Net worth 
Portfolio 
Budgeting
A budget that survives two currencies
Assign every forint, euro, and dollar to a Category. Real daily rates, one budget, no spreadsheet math.
See budgeting →Investments
Your portfolio, synced from IBKR
Positions arrive on their own through the Flex Web Service.
See investments →Net worth
Every currency counted
Cash flow and exchange-rate movement, split apart in one history chart.
See net worth →Product tour
See it in under a minute
Accounts in several currencies adding up to one net worth, a budget you run by category, and a portfolio that syncs from Interactive Brokers.
All figures in the video are sample data.
Three tools you no longer need to juggle
A budgeting app for spending. A portfolio tracker for investments. A spreadsheet for net worth. Tallyroot is all three, sharing one set of accounts and one exchange-rate table.
Budgeting
A budget that survives two currencies
Assign every forint, euro, and dollar to a Category. Tallyroot converts at real daily rates, so a salary in EUR and rent in HUF land in one budget without spreadsheet math. Built for dual-currency living and multiple income currencies.
- Zero-based Categories with monthly targets and rollover
- CSV and OFX import with saved mappings and duplicate detection
- AI receipt parsing that suggests the right Category
Investments
Your portfolio, synced from IBKR
Connect Interactive Brokers once and positions arrive on their own through the Flex Web Service. No manual XML exports. Track ETFs, bonds, loans, and property next to unrealized gains, TWR, and IRR.
- IBKR auto-sync over the Flex Web Service, read-only token
- Holdings, dividends, bonds, loans, property, and projections
- Unrealized gains, TWR, and IRR
Net worth
One net worth number, every currency counted
Cash, investments, property, and debts roll into a single base-currency total. The history chart separates real cash flow from exchange-rate movement, so you can tell whether you saved money or the rate moved.
- FX-aware history: cash flow and currency movement, split apart
- Manual valuations for a house or a mortgage
- Owner filters for couples and family accounts
The budgeting core
Everything you need to take control
Flexible budget categories on double-entry rails. A clear, accurate picture across every currency you use.
Multi-currency support
Track bank accounts, savings, and spending in 150+ currencies. Transactions automatically convert using real exchange rates.
Category budgeting
Assign every unit of income to a purpose. Set monthly limits, track progress, and roll over unused funds automatically.
Receipts
AI scans line items and suggests categories. Cloud storage keeps originals. Auto-matching links receipts to transactions.
Bank import
CSV and OFX from any bank. Smart column mapping, saved templates, and duplicate detection — switch tools without losing history.
Bank sync
Connect your banks through your own Lunch Flow account. Transactions and balances arrive four times a day, and what you already typed by hand is matched, not duplicated.
Family collaboration
Shared workspaces with role-based permissions. Everyone sees the same budget in real time — financial transparency without spreadsheet chaos.
Recurring transactions
Automate regular expenses and income on schedule. Pre-assigned categories keep your monthly allocations consistent.
Insights & reconciliation
Spending analytics by category and time period. Reconcile balances against your bank to catch drift early.
How it works
From signup to financial clarity
The category-based budgeting method — recommended by financial advisors worldwide.
Why Tallyroot
Built for how people actually manage money
Most budgeting apps assume one currency and one bank. Most portfolio trackers ignore your spending. You end up running two apps and a spreadsheet to answer one question: where does my money stand.
Tallyroot keeps the whole picture in one place: multiple currencies, shared household budgets, and investments. It runs on plain Postgres. Self-hosting is on the roadmap.
IBKR sync built in
Connect Interactive Brokers with a read-only Flex token. Positions, trades, and cash arrive on a schedule. No CSV downloads, no manual XML.
Works for couples and families
Shared workspaces mean everyone sees the same budget. Financial transparency without spreadsheet chaos.
Multi-currency all the way down
Every amount keeps its native currency and converts to your base at real daily rates. Budgets, reports, and net worth share one conversion path. Not display-only.
Proper accounting under the hood
Double-entry bookkeeping ensures every transaction balances. Transfers, FX conversions, allocations — all tracked with full audit trails.
Pricing
Start free, upgrade when you're ready
Free
€0
Forever
- 3 accounts
- 10 AI receipt scans/mo
- 1 API key
- 100 portfolio transactions
- Multi-currency
- Budget categories
- Portfolio, bonds, property and loans
- Net worth across currencies
- Bank import
- IBKR import (manual Flex upload)
- Family collaboration
- Recurring transactions
- API & SDK access
Premium
€3.99
/month + VATor €39/year + VAT (save 18%)
Prices exclude VAT. VAT is added at checkout based on your billing country.
- Unlimited accounts
- Bank sync via your own Lunch Flow account
- IBKR auto-sync, daily
- Unlimited AI receipt scans
- Unlimited API keys
- Unlimited portfolio transactions
- Hungarian TBSZ tax tools
- Multi-currency
- Budget categories
- Portfolio, bonds, property and loans
- Net worth across currencies
- Bank import
- IBKR import (manual Flex upload)
- Family collaboration
- Recurring transactions
- API & SDK access
Blog
Latest articles
Bring Your Own Data: Bank Sync with Lunch Flow, and Every Other Way In
Tallyroot now syncs your bank accounts through your own Lunch Flow account. Here is how that works, why Tallyroot asks you to bring the connection, and how it fits with IBKR sync, file imports, the API, and receipts.
My Portfolio Is Up 8% in Dollars and Down 13% in Forints
Same holdings, same 21 months, two opposite results. How a strengthening home currency turned a dollar gain into a forint loss, the one-line formula behind it, and why the timing of every contribution changes the answer.
How to Avoid FX Overspend When Spending Abroad
Card markups, DCC and weekend spreads add 3-6% to everything you buy abroad. Here is where the money goes, and what budgeting tools can and cannot do about it.