iPhone Screenshots


Tally is the first automated debt manager. Tally makes it easier to save money, manage credit cards and pay down balances faster. Tally’s low-interest credit line has helped thousands of people consolidate credit card payments into a single bill and save on interest and late fees!

Sign up for Tally and quickly see if you’re eligible for a credit line. Our credit check won’t impact your credit score.

Tally is available in most states except MT, NV, and WV. Generally, you need a FICO Score of 580 or higher to qualify for a credit line. (Scroll down to see which credit cards Tally supports.)

Here’s how it works:

1. Download Tally
Within minutes, Tally can help you start the path to being debt-free, and it won’t hurt your credit score.

2. Find your savings
Once you qualify, Tally gives you a line of credit with a low annual percentage rate (APR). Tally then uses the new line of credit to pay your credit cards every month. The low APR helps save you money on interest. (Scroll down for important disclosures about what Tally charges.)

3. Organize your cards
Manage all your credit cards in one simple app! Tally keeps track of the balances, interest rates and due dates for each card. That’s how Tally makes the right payment to the right card at the right time. All you have to do is make one monthly payment to Tally.

4. Say goodbye to late fees
Tally’s late fee protection gives you the peace of mind of autopay without the fear of overdraft. As long as you’re in good standing with Tally, you’ll avoid the hassle of late fees.

5. Be debt-free faster
That’s it! Tally helps separate the burden of credit cards from the benefits. Keep using your credit cards for the rewards and let Tally handle the hard work. No tricks. Just a smarter way to manage your cards and a faster way to pay your balances.


What does Tally charge?
To get the benefits of Tally, you must qualify for and accept a Tally line of credit. Depending on your credit history, your APR will be between 7.9% and 29.9% per year. The APR will vary with the market based on the Prime Rate. Some credit lines are subject to an annual fee, which will be explained with your offer if you qualify. If you don’t qualify for a line of credit, Tally’s card payoff services are available for $4.99/month.

How does Tally estimate my savings?
To calculate your savings we look at: 1) an average-weighted APR based on your initial eligible credit card balances and APR’s; 2) an average monthly payment to Tally of 3% of your eligible balances; and 3) an average monthly spend of 0.8% of your eligible credit card balances. We exclude credit cards with APR’s lower than the Tally APR, since Tally doesn’t make payments to those cards. For the Express member savings estimate, we assume you receive the Express discount every month.

How does Tally save me money?
You can save money with a lower APR on your Tally line of credit. That means you’re saving money on credit card interest each month. Tally’s late fee protection helps you avoid missed payments.

How does Tally make money?
Tally makes money through interest on your Tally line of credit, but only if Tally can help save you money. Tally also makes money on membership fees (annual or monthly fee) according to the Tally service you are eligible for.


The Tally app and servicing is only available in English. If there is any discrepancy between translations, the English version prevails over other translations.

Tally supports most cards from American Express, Bank of America, Barclays, Capital One, Chase, Citibank, Discover, US Bank and Wells Fargo, as well as cards from Amazon, American Eagle, Macy’s, Sears, TJ Maxx and Walmart.

Tally Technologies, Inc. (NMLS # 1492782 NMLS Consumer Access , SC License , MO License). Lines of credit issued by Cross River Bank, Member FDIC, or Tally Technologies, Inc. (“Tally”), as noted in your line of credit agreement. Lines of credit not available in all states.

What’s New

Version 5.21.0

We've made a few bug fixes and improvements to make managing your debt even easier.

Ratings and Reviews

4.5 out of 5
17.4K Ratings

17.4K Ratings

PAC rob ,

Tally is a interest saver and stress reliever.

Tally has simplified my balancing 5 credit cards making sure everything is paid off I never missed a payment in my life yet I needed help organizing my credit card debt and being able to pay it down now since i got Tally all I do is weekly pay a set amount I budgeted for my debt weekly so on pay day I wake up my check from work is already deposited so I immediately pay tally $250 every week I let the app decide how to pay my debt off and I get a weekly report of how much saved interest I do have to run #s think about due payments or anything just pay weekly and save I’m not a bot or paid person lol you don’t have to pay as much as me in just trying to pay my debt down quick so I do the maximum I can budget from my weekly pay but if you budget yourself pay what you can as much as you can just give it to Tally and relieve your mental stress I love it I still got long ways to go on my debt but I’m no longer stressed like I use to be...

Revredrusty ,

What you need to know about this service

First you need a minimum fico credit score of 660 to be approved for a line of credit. So if you don’t have that high of a score don’t even waste your time trying this option. Secondly when I spoke to the rep over the phone they could not be specific on how balances are paid down or off. They did advise that you can specify how you want your debt paid by using the line of credit. The run down is this. Your APR is going to range from 7.9%-21% roughly. I’m just making this comment so it’s easier for us consumers to see it. So they have a formula which I was unable to get from the rep over the phone. So since I don’t have their formula on how the APR brackets break down as far as the interest rates you might be funneled into I can’t really comment on that. But if their minimum fico score is 660 I think it’s pretty safe to say your going be in their higher APR bracket. And depending on your credit worthiness and debt history and payment history probably has a factor as well. Just saying this app sounds great and I would love to have just one payment and all cards paid off and just pay tally at a lower interest rate. Realistically though for me it sounds like tally would become another debtor added to my portfolio especially if my line of credit doesn’t cover all the debt of the cards. Just be vigilant before proceeding with this offer. Hope this helps someone.

Consumer with debt

Developer Response ,

Hi Revredrusty,

Thanks for your feedback. We wanted to clear up a few things that you mentioned.

1. The reason we can’t be specific about paying your card balances before you sign up for Tally is that we can’t see your card information! Tally is able to help different users in vastly different ways. Once you get through enough of the sign-up process and if you are eligible for Tally, we’ll be able to see your cards and walk you through the payments we’d plan to make to them if you did decide to activate with us.

2. Our system takes into consideration multiple factors when determining eligibility and interest rates. We hope to be able to offer an interest rate that can save you money on interest, in order to help you feel less stressed financially and help pay down your debt faster.

The Tally Team

Lexxinater ,

Terrible Experience

For several days now, the app has had issues. I cannot load any of my account information, and they publicly stated they have been having issues with it. So, under their direction, I deleted and re-downloaded the app. It worked for one day and now they are having issues AGAIN.

And that’s not even the main problem. After several payments, I noticed my balance wasn’t going down, so I contacted them and provided screen shots. They stated they did not see any issues, and when I checked later it appeared as though it was “fixed.”

I felt uneasy, and absolutely do not trust this company or their employees and their cookie-cutter responses, so I completely paid off my balance and requested to close my account. They then stated they would start that process, and then send me a bill for all the interest I owed. Are you kidding me?! So after paying my balance I now have a completely separate interest balance I have to pay? Why isn’t this viewable in my account rather than me blindly getting burdened with yet another bill? The whole point of this was for me to be in a better place and pay off my debt. I feel like I was taken advantage of, and this company is a complete scam.

Developer Response ,

Hi there, we're sorry to hear of your recent experience. Tally experienced a system outage momentarily on April 15, 2020. All functionality has since been restored. We'd love to also address your other concerns. Please feel free to message me directly at support@meettally.com and add Jay to the subject line. I will personally review your account and communications. - Jay from The Tally Team

App Privacy

The developer, Tally Technologies, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info
  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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