About Tallyroot

I'm Máté Németh — a software engineer who works in fintech, and the person who builds Tallyroot.

My money has never lived in one currency. I earn in one, pay for things in another, and keep savings in a third. Every budgeting app I tried assumed that 100 is 100 — that a euro, a franc, and a forint are interchangeable. They aren't, and the moment you have more than one currency, most tools quietly fall apart: separate budgets per currency, manual conversion on every transaction, transfers between your own accounts double-counted as spending.

I wanted one budget that simply understood all of it. When I couldn't find it, I built it.

Budgeting solved the spending half. It didn't solve the other half: once savings turned into an investment portfolio, I was back to two apps, two exchange-rate tables, and a spreadsheet to turn both into one net worth number, exactly the problem Tallyroot exists to avoid. So investments and net worth joined the same ledger: one exchange-rate table, one set of accounts, one number that actually adds up.

What Tallyroot is

Tallyroot pairs zero-based envelope budgeting with an investment portfolio synced from Interactive Brokers and a net worth dashboard that rolls cash, investments, property, and debts into one base-currency total. Every transaction, holding, and account stays in the currency it actually happened in and converts automatically at real daily rates, with a double-entry ledger underneath so budgeting, investments, and net worth all read from the same books. One set of accounts, every currency, no manual math.

Working in fintech is part of why it's built this way. The double-entry ledger isn't a gimmick: it's the same approach real financial systems use to stay correct across currencies and account types, and it's what lets an IBKR sync, an FX conversion, or a brokerage deposit all settle into the same books without rounding errors or double-counting.

It's for people whose money lives in more than one place:

• Expats earning in one country and spending in another
• Remote workers paid in a foreign currency
• Couples and families split across borders
• Freelancers invoicing international clients in several currencies
• Anyone with a brokerage account and a budget that don't currently talk to each other

Independent, and built by someone who uses it

Tallyroot is independent and bootstrapped. I'm not building a venture-scale company that needs your attention to survive — I'm building a tool I rely on myself, for people with the same problem I have. That shapes the decisions: no growth-hacking, no dark patterns, no selling the roadmap to advertisers. Just a budgeting app that does its job and gets out of your way.

Where your data lives

Your financial data is stored on servers in the EU, under GDPR. I don't sell it, I don't show you ads, and I don't train AI models on your finances. You can export everything in a structured format and delete it permanently whenever you want — see the privacy policy for the full detail. Tallyroot is operated by Németh Máté ev., a sole proprietor based in Hungary; you can reach me at [email protected].