Getting Started with TallySmarts

1. Create Your Account

Sign up with your first name, last name, email, and password (or continue with Google or Apple). You'll get a confirmation email to verify your account before logging in.

• Every signup starts you with a Personal workspace, seeded with everyday starter categories — add a Business or Trust workspace anytime afterward from Settings (see the next section)
• You'll see a personalized welcome message on your Dashboard

2. Personal & Business Profiles

TallySmarts can track a Personal workspace alongside one or more Business/Trust workspaces — kept completely separate under the one login.

• Every account starts with just a Personal workspace (see the previous section) — add a Business/Trust one anytime from Settings → Account Profile, picking an entity type (Company, Family Trust, Unit Trust, Corporate Trustee, SMSF, or plain Business), what it's for, and a name
• Business/Trust workspaces are a paid feature: Free doesn't include one, Plus includes 1, Premium is unlimited — upgrade from Settings to add your first (or another) one
• Personal and every Business/Trust workspace are fully separate: their own accounts, categories, transactions, budgets, bills, and net worth — never shared or mixed
• What starter categories a new Business/Trust workspace gets depends on what you say it's for when you add it: "Property / Trust holding" seeds a property-focused set (Rental Income, Land Tax, Loan Interest, Trust Distributions, and more), while "Trading business" seeds a generic set instead (Sales/Revenue, Wages & Super, GST, BAS, and more) — this only decides the one-time starting list, so pick whichever's closer and adjust categories afterward either way
• Switch between Personal and any Business/Trust workspace from Settings → Account Profile, or via the badge next to the page title in the nav bar
• Rename or re-type any Business/Trust workspace anytime from Settings → Account Profile; on Premium, once you've added more than one, a dropdown lets you pick which one to remove

3. Create Your Accounts

Go to Accounts and add your bank accounts, savings accounts, or any place you hold money.

• Click "Add Account", give it a name, pick your bank and account type (Everyday, Savings, Credit Card, Cash), and enter your starting balance. If your bank isn't listed, pick "Other..." at the bottom and type its name
• Credit Card accounts also need a Credit Limit, so TallySmarts can show what you currently owe
• Credit Card accounts can also say when the payment is due — fill it in to unlock a payment reminder with its own lead time and Email/Push options, the same pattern as Bill reminders. No reminder is sent when nothing is owing on the card
• Most cards are due a set number of days after the statement closes (ANZ, CommBank and NAB all use 14), so the due date moves a few days each month. Choose A set number of days after the statement, enter the day your statement usually closes and how many days later it's due (both are on your statement), and pick what happens when that lands on a weekend: the Friday before (reminders are never late) or the Monday after (how ANZ does it). The form shows the next due date, and the card on the Accounts page shows "Next payment due …". If your card really is due on the same date every month, choose The same day every month instead
• Multiple cards at the same bank? Give each a distinct name (e.g. "CommBank •1234") to tell them apart
• Accounts are sorted alphabetically; view your Total Balance across all non-credit-card accounts
• Click an account's name to jump to its filtered Transactions list
• Edit or delete anytime via the pencil/trash icons
• Accounts are capped per workspace: 3 on Free, 8 on Plus, unlimited on Premium — upgrade to add more
• Credit cards show the amount owing as the main figure, with available credit of the limit underneath
• Each account shows its bank's logo (a wallet for cash), and "Updated" with when a transaction was last added to it (amber after 30 days - it may be missing transactions)
• Credit cards also show the next due date ("Due Wed 18 Nov") and the reminder; how the date is worked out is in the card's Edit pop-up
• The line under each account's name only says what the logo and group heading don't: grouped by Bank it shows the account type, grouped by Type it shows the bank only if there's no logo for it
• Click the scales icon to Reconcile: type the balance your bank app shows (for a credit card, the amount owing). TallySmarts says whether it matches and, if not, which way it's out, with a link to that account's transactions. A match is saved and shown as "Reconciled" with the date

4. Set Up Categories

You'll automatically get preset categories matching your account type at signup. Go to Categories to view them or add your own.

• Click "Add Category" — categories are split into Income and Expenses, each with its own color (click the color box to pick one) for easier-to-read charts
• Personal comes with everyday categories (Salary, Groceries, Rent, Transport, Entertainment, and more); a Business/Trust workspace comes with whichever starter set you picked when adding it — Property / Trust holding (Rental Income, Land Tax, Loan Interest, Trust Distributions, and more) or Trading business (Sales/Revenue, Wages & Super, GST, BAS, and more)
• All three starter sets split out Loan Interest from Loan Repayment, so a loan's interest can be tracked separately from its principal — only interest is actually tax-deductible on a business loan, so this matters most for Property / Trust and Trading business
• Transfer is for money moving between your own accounts (e.g. paying off a credit card) — excluded from Dashboard totals and Reports charts since it isn't real income or spending. Owner Contributions in a Business/Trust workspace works the same way — money you put in to cover a shortfall (like topping up so the mortgage repayment goes through) isn't counted as income
• Own an investment property in your own name? On Plus and Premium, on the Personal workspace's Categories page, click Add categories on the "Own an investment property in your own name?" card to add rental categories (Property Management Fees, Water Rates, Building & Landlord Insurance, Depreciation and more) under an "Investment Property" group. A property held in a company or trust belongs in its own Business/Trust workspace instead
• Investments (money going out to buy shares/crypto) is separate from Investment Returns (dividends and gains coming back in)
• Car costs are split out: Car Maintenance (rego, servicing, repairs), Fuel, and Transport (everything else, like tolls, CTP or roadside assistance)
• Pay comes in two income categories: Salary for pay as it lands in your bank (after tax — bank imports file pay here), and Salary (Gross) if you'd rather log your pay before tax, with the tax withheld added as a separate Income Tax expense. Your net income works out the same either way
• Optionally add a category to a Group (e.g. "Transport") when creating it, so similar categories can be bundled into one section on the Budgets page — type a new group name or pick an existing one from the suggestions
• Click the pencil icon on any existing category to change its Group later (name, type, and color are set at creation and aren't editable afterward)
• Categories are sorted alphabetically; add custom ones anytime — names only need to be unique within their own type and profile, so you can reuse one across Income/Expenses or Personal/Business
• Each category shows how many transactions use it and its total this month
• Click the merge icon to fold one category into another of the same type - all its transactions, refunds, recurring transactions, bills, budgets and rules move across, then the empty one is removed
• Auto-categorise rules at the bottom of the page: "if the description contains X, use category Y". They're used on CSV import and when adding a transaction, before TallySmarts' own list. Add, change or remove them there

5. Log Your Transactions

Go to Transactions and start recording your income and expenses.

• Click "Add Transaction" to open a popup, choose the account, then fill in each transaction's Type, Merchant (who you paid or who paid you), Category, Amount and Date. Click + Add note under a row to add a note about what it was for, e.g. "footy boots" - notes show under the merchant in the list and are included when you search — your account balance updates automatically
• Click "+ Add another" to enter several transactions in one go rather than one at a time — each gets its own row, and they're all saved together with a single click. Remove a row with its trash icon
• As you type a Merchant, merchants you've used before are suggested (most-used first) — pick one with a click or the arrow keys and Enter. If the row has no category yet, one is filled in for you: the category you last used for that merchant, or for a merchant you've never entered, a best guess from its name (e.g. "Caltex Chermside" → Fuel). If you don't have that exact category, the closest one you do have is used (e.g. Fuel → Transport), falling back to Other Expenses. Change the merchant and the filled-in category changes with it; a category you pick yourself is never changed. Common Australian merchants are suggested too — in a Business/Trust workspace that's the property ones (property managers like Ray White, strata managers, water and council rates, landlord insurers, ASIC, banks) with trust categories like Water Rates and Building & Landlord Insurance
• Category is required for every transaction — pick one before saving, so everything always has something for Budgets/Reports/Dashboard to group it under
• Got a refund? Set a row's Type to Income and Category to Refund — a "Reduce spend in category" dropdown appears right below that row so you can pick which expense category it's offsetting. Each refund row in a batch offsets its own category independently. It stays as Income in your ledger, but reduces that category's spend on Budgets, Dashboard, and Reports instead of just adding to Income
• Transactions are grouped by month (newest first), each header showing that month's income/expense totals — click to expand or collapse it
• Each transaction shows the merchant's logo for well-known merchants (Woolworths, Telstra, Ray White and hundreds more), the same as on your Dashboard and Bills. Anything else shows the merchant's first letter tinted in its category colour, and transfers between your own accounts show a two-way arrow. Logos are stored and served by TallySmarts itself, so no outside service ever sees what you buy
• The list shows your last 3 months by default; click "Load 3 more months" at the bottom to widen it, 3 months at a time, for as far back as you need
• Moved money between your own accounts (e.g. paying off a credit card)? Tick "This is a transfer between my accounts", then pick the From and To accounts, amount, and date. Both sides are added together and linked — each shows as "Transfer to …" or "Transfer from …" in grey, isn't counted as income or spending, and editing or deleting either side changes both. A regular transfer (like a monthly top-up of your savings) can be made recurring too — tick "Make this recurring" under the transfer and it adds both linked sides every time it's due
• Click "Select Transactions" to check off several at once and delete them together (deleting one side of a transfer removes its other side too)
• Linking a repayment to a tracked loan? While adding a single transaction, choose Expense and pick it from "Link to loan (optional)" — it's recorded against that loan's balance and ledger automatically, with a clickable "Linked to" note on the transaction. Only available while adding one transaction at a time, not a batch
• Each row shows the account's running Balance right after that transaction; hover a truncated Category or Description to see the full text
• Transactions created by a recurring transaction show a small repeat icon next to the merchant
• Edit or delete any transaction via the pencil/trash icons

6. Import Transactions from a CSV File

Instead of entering transactions one at a time, click Import Transactions — right next to Add Transaction — to bulk-import from a bank statement CSV. Importing is available on the desktop version of TallySmarts (a computer or larger screen), not on phones.

• Choose the account to import into, then upload your bank's CSV export
• Select your bank and account type to auto-fill the column mapping and date format — presets exist for 20+ Australian banks including CommBank, ANZ, NAB, ING, Westpac, St George, Bank of Melbourne and BankSA (some are best-effort, so double-check the preview); map manually for any other bank
• The mapping screen shows the first rows of your file with a dropdown above each column — pick Date, Description, Amount (or Debit and Credit), and optionally Merchant or Category, right where you can see what's in each column. Columns in use are highlighted; anything set to "Don't import" is ignored
• CommBank and ANZ exports are also detected automatically from the file itself, even if you skip picking a bank — leave it on "Auto" and upload
• If your bank's file has a merchant name column (NAB's does — e.g. "Hungry Jacks (Kedron)" for "HJs Kedron"), it's picked up automatically and used as the merchant, with the location in brackets dropped. Lines without one (payments, fees) keep the bank's description, and so do purchases where the bank names a payment service like Google or PayPal instead of the shop. You can change or clear it with the dropdown above that column
• No merchant column? Bank text TallySmarts recognises is tidied into a merchant name anyway — e.g. "Direct Debit 304458 Qld Urban Util" becomes Urban Utilities, and "BRISBANE CITY CO" becomes Brisbane City Council — with the original text kept underneath
• Categories are auto-guessed from the merchant description (or your bank's own category column, if it has one) — if a guessed category isn't one you have, the closest one you do have is used instead. Anything unrecognised is left Uncategorized for you to set manually. A banner shows how many are still Uncategorized, with a toggle to filter down to just those
• A review screen shows everything before import — change a row's category or flip Income/Expense, flag a refund as Income → Refund with its own offset category, and possible duplicates are auto-flagged (but stay included by default) - same amount and type within 5 days of something already saved on that account, with a similar merchant, so a purchase you entered by hand on the day isn't missed when the bank shows it a day or two later. Each row has a "Save Merchant" tick: it's on for merchants TallySmarts recognises (so they import with their name and logo), and off for raw bank text — tick it if you want to keep that text as the merchant anyway
• Only checked rows get imported — nothing happens until you click the final Import button
• Transfers are matched up automatically after an import: a Transfer out of one account and the same amount into another of your accounts within 5 days get linked as one transfer — handy when you import both your Everyday and credit card statements

7. Search & Filter Transactions

On wider screens, Search & Filter sits open in a sidebar next to Add Transaction on the Transactions page. On narrower screens it collapses instead — click "Search & Filter" to expand it.

• Search by merchant or description, or filter by type, one or more accounts, one or more categories, a date range, or a dollar amount range
• Turn on "Hide transfers" to leave out money moved between your own accounts, so the list only shows real income and spending
• Turn on "No merchant only" to see just the transactions with no merchant filled in, so you can find and fix them
• Active filters show as removable tags just below the panel; all months auto-expand while filters are active so you see every match
• Click "Clear all filters" to reset everything at once
• The totals line above the list adds up whatever it's showing. It first says what it covers — the dates (your loaded months, or your From/To dates), which accounts (all of them unless you pick some), any category, search or other filter, and how many transactions — then In, Out and Net. Transfers between your own accounts, like paying off a credit card, aren't counted, so several accounts together never count the same money twice. Over about 2 months or more it also shows an average per month — e.g. search "Woolworths" to see what you usually spend there each month

8. Set Up Recurring Transactions

On the Transactions page, check "Make this recurring" when adding a transaction for expenses or income that happens regularly (rent, subscriptions, salary, etc.).

• Choose a frequency (Weekly to Yearly) and a first due date — a date today or in the past generates (and backfills) as soon as you save it; a future date starts on its own once it arrives
• Choose when it Ends — Never, a specific date, or after a set number of occurrences. Once it ends, the template is removed, but everything it already generated stays as-is
• View, edit, or delete templates in the "Recurring Transactions" section — open in its own sidebar on wider screens, collapsible on narrower ones — each shows its next due date and end condition
• Like a regular loan repayment? Link it to a tracked loan the same way as a normal transaction — every occurrence carries the link forward automatically
• Not paying one for a while (e.g. a membership on hold)? Edit it and choose Pause — until a date, skip a number of occurrences (e.g. the next 2), or until you resume it. Nothing is added while it's paused and it's left off the calendar, budget suggestions and Recurring Commitments; it picks up again on its normal day. Resume early with the ▶ button in the list. If it already added a payment in the last week that you didn't actually make, pausing lists it so you can tick it to remove it too
• Recurring transaction templates are capped per workspace: 3 on Free, 8 on Plus, unlimited on Premium — a one-off (non-recurring) transaction is never affected, only the "Make this recurring" template itself; upgrade to add more

9. Track Bills

Go to Bills to keep track of bills like quarterly water & sewer, half-yearly car registration, or yearly land rates. Monthly works too, for bills that change in amount or that you pay yourself (like rent paid by transfer) - a fixed monthly direct debit is better as a recurring transaction, since those are added for you automatically.

• Click "Add Bill" — pick a common bill from the dropdown (Frequency and Category fill in automatically) or choose Custom. The list matches the workspace: Personal shows household bills like car rego and health insurance, while Business/Trust workspaces show company/trust bills like the ASIC Annual Review Fee, Audit Shield / Tax Audit Insurance and Accountant / Tax Agent Fees; property bills (rates, water, strata, landlord insurance, smoke alarm service) show in both, then add an amount and due date
• Paid a bill? Click Mark as paid — its due date moves on to the next one (a quarter, half-year, or year later) and its reminder resets. Tick "Also record it as a transaction" to log the payment against an account at the same time — the bill's merchant (if you've added one) becomes the transaction's merchant and the bill's name goes in its notes. It's off by default, since the payment is often already in your transactions (entered when you paid, or imported from a statement)
• If the amount you paid differs from the bill's amount, you can update the bill to the new amount for next time in the same step
• Anything past its due date sits in its own Overdue Bills section at the top until it's marked as paid; Upcoming Bills covers today through the end of next month
• Upcoming bills are color-coded by urgency: 🟨 Yellow (15+ days), 🟧 Orange (8–14 days), 🔴 Red (7 or fewer)
• Reminders are set right there per bill — tick "Include this bill in reminders" on the Add/Edit Bill form, choose how many days ahead, and pick Email and/or Push (turning Push on offers to enable it for this device too)
• Add a Note to tell apart bills that would otherwise look identical (e.g. two car insurance policies) — it shows everywhere the bill appears, including reminders
• Edit or delete bills anytime via the pencil/trash icons
• A summary at the top shows what bills cost on average per month and what's due in the next 30 days
• Upcoming Bills is a timeline grouped by month, with each month's total
• Bills are marked paid automatically when the payment turns up in your transactions (same merchant or bill name, close to the due date, similar amount or the bill's category) - checked when you open Bills or the Dashboard and before reminders are sent
• On Plus and Premium, a bill whose cost changed shows "Up X% since last time"

10. Set Budgets

Go to Budgets and set monthly spending limits for categories you want to control.

• A Total Budgeted / Total Spent / Remaining (or Over By) summary sits at the top of the page, adding up every budget for the month you're viewing. Refunds come off the category they belong to, and a category in credit (refunds bigger than its spending) reduces the total too
• On Plus and Premium, for the current month, a forecast estimates where each budget will end up by month end: what you've spent so far, plus recurring transactions and bills still to come, plus your usual everyday spending in that category for the days left (based on your last 3 months). A small marker on each bar shows where you're likely to finish, with "On track" or "Likely over by about $X" underneath, and the summary at the top shows the month-end forecast for all budgets together. It's an estimate - it gets more accurate as the month goes on. In the first week of the month, and for any budget you haven't spent in yet, it won't warn that you're likely to go over - with no spending to go on it would only be guessing from past months
• Click "Set Budget", choose a category, and set a monthly limit — a progress bar tracks your spend against it, with a warning once you go over. The panel stays open by default and after you add a budget, ready for the next one
• If the category has a bill or recurring transaction due this month, a Suggested amount appears with a "Use this" shortcut; if it has recent spending history instead (like Groceries or Dining Out), a separate Typical spend suggestion appears based on your last 3 active months — either or both can show depending on the category
• The Category dropdown only offers categories that don't already have a budget for the month — once every category is budgeted, the form tells you so instead, with a link to add another category if you need one
• A linked Refund reduces the spend shown here for the month instead of being ignored (never shown below $0)
• Spent money this month in a category you haven't budgeted for yet? A banner lists each one with a quick "Set a budget ↑" link, so nothing slips past unnoticed
• Some expense categories aren't spending you choose, so they can't be budgeted and are never flagged: Transfer, Income Tax and HECS-HELP Repayment (taken out of your pay), Depreciation (no money changes hands), Trust Distributions and Rental Bond (a deposit you get back)
• Edit a limit anytime via the pencil icon
• Within each group, budgets are sorted by percentage spent, highest first, so whatever needs your attention most rises to the top
• Categories that share a Group (set on the Categories page) are bundled into one section, with that group's own budgeted/spent totals shown in its header; categories with no group sit together under "Ungrouped"
• Use the ▲ ▼ arrows on a group's header to move it up or down — your order is remembered for the workspace
• Sort by (above the list) switches to one list without the groups: by % of budget used, amount spent (highest or lowest first), what's left, or name. Your choice is remembered on that device; pick "Groups" to go back
• The "Current month ▾" dropdown lets you look back at any past month's budgets exactly as they were set at the time — each month's history keeps up with your changes until the month ends, then it's locked in, so later edits never rewrite it. Past months show the same grouping and order, but without drag-to-reorder, since it's a locked-in snapshot
• Budgets don't carry over on their own. At the start of each month the Budgets page asks how to set up the new month: copy all of last month's budgets (you confirm first, and any budget whose bills and recurring payments come to a different amount this month - like five weekly rent payments instead of four - can be updated by the difference), choose which ones to copy (and adjust their amounts - $0 is allowed), or start fresh. When choosing, categories that weren't budgeted last month but have bills or recurring transactions due are listed underneath, ready to tick and add. Last month stays saved in its history either way, and budget alerts on the Dashboard return once you've chosen
• Plan ahead (Plus and Premium): open More next to Set Budget and choose Plan [month] to set a future month's budgets before it starts — Plus can plan next month any time during the current month, Premium up to 12 months ahead. Each category shows this month's budget, what bills and recurring transactions are due that month, and your typical spend, with a "Use" link to fill it in, or copy this month's budgets in one click. Nothing about the current month changes. On the 1st of that month, "Use your planned budgets" is the first choice in the new-month prompt. Months with a saved plan are marked "Planned". On Free it shows in the More menu with a Plus tag
• If "Copy N from [month]" appears in the More menu later in the month, it's offering to bring back budgets you left out or deleted; pick which ones you want and adjust the amounts before adding them
• Budgets are capped per workspace: 8 on Free, 20 on Plus, unlimited on Premium — upgrade to set more
• On Plus and Premium, click a budget's pencil to turn on rollover (unspent money carries into next month, overspending comes off it) or to enter it as a fortnightly or yearly amount
• On Plus and Premium, the Edit Budget pop-up (pencil icon) shows your 3-month average spend for that category, with a "Use this" link
• Each budget shows at most one line of extra detail under its bar: a warning first, then rollover, then what makes up a pay-cycle budget, then how it was entered (like "$300 a fortnight")
• If refunds this month are bigger than your spending, Total Spent shows $0 with a note instead of a negative figure
• In a month where a budget's recurring payments and bills come to more than the budget - like five weekly rent payments instead of four - an amber line under it says what's due and by how much it's short
• Left to budget (every plan) is the last figure in the summary, once there's income to work from - click How Left to budget is worked out under it for the breakdown. It's the income you expect this month - recurring income due plus your usual other income from the last 3 months, or what's actually arrived if that's more - minus tax and HECS taken from pay (only if you record pay gross, with Income Tax or HECS-HELP as their own transactions - recurring ones on their dates, extra tax entered by hand, such as on a bonus, as your 3-month average), your budgets, and any bills or recurring payments in categories without a budget. Money left over hasn't been given a job yet; a negative figure means you've planned to spend more than you'll earn
• Use my averages (every plan, in the More menu) sets budgets from what you've spent a month in each category over the last 3 months, rounded up to the next $10. New categories are ticked to add; ones that already have a budget are listed unticked with their current amount. Change any amount before saving
• Pay cycle (Plus and Premium): switch between Month and Pay cycle at the top of the page. Tell it how often you're paid (weekly, fortnightly or monthly) and a recent payday - it's filled in from your recurring pay if you have it set up. Your budgets then run from payday to payday: recurring payments and bills are counted on the dates they actually fall in the cycle (two weekly rent payments, or insurance only in the cycle it's due), the rest of each budget (after that month's payments) is spread by the days in the cycle, and a line under each budget shows what makes it up. The bars count spending since your last payday, Left to budget uses the income due this cycle, and the dashboard's Safe to spend counts down to your next payday. Rollover, Plan ahead, forecasts and past months stay monthly - switch back to Month to see them. The gear icon changes your payday

11. View Reports & Export Your Data

Go to Reports to see visualizations of your spending, export your transactions and statements, or create tax-ready summaries for your accountant.

• Two quick stats above the charts: Expenses vs Last Month, and Recurring Commitments (monthly total from your bills and recurring transactions combined)
• Income vs. Expenses bar chart (last 6 months) — hover a bar for that month's Income, Expenses, and Net together. A refund linked to a category comes off that month's expenses rather than counting as income, and loan repayments count in full as money out (the tax exports claim just the interest)
• Savings Rate — a 6-month trend line of what share of your income you kept each month (income minus expenses, divided by income), so you can see whether that's improving rather than just this month's number on its own
• Net Worth Trend — a line chart of your net worth over time, built from a snapshot captured automatically once a day as you use the app; see Track Your Net Worth below for how to backfill history from before this existed
• Want to look further back? Click the expand icon on Income vs Expenses, Savings Rate, or Net Worth Trend and pick a longer range — Free shows the last 6 months, Plus up to 12, and Premium up to 24. The expand icon appears on tablet and desktop screens. The Cash-flow forecast has one too, showing a bigger chart with the full list of what's coming underneath
• Spending by Category pie chart — pick any of the last 12 months, with an Expenses/Income switch and each category's amount/share listed below the chart. A linked Refund reduces its category's slice for the month
• Average Spend by Category, right below the pie chart — averages your spend (or income) per category over a range you pick, ranked highest first; toggle individual categories or "Include all" to exclude a one-off outlier. Free looks back 3 months; Plus and Premium can pick any range
• Biggest Changes vs Last Month (Plus and Premium) — the categories where your spending moved most compared with the same point last month
• Data exports (every plan): Transactions gives every transaction in the accounts and dates you pick, one row each — date, merchant, amount, type, category and group, what a refund was for, account, running balance, notes, recurring — as CSV (opens anywhere, or imports into another app) or Excel (real dates, filters). Statement gives a bank-style PDF/Excel statement for one account with opening and closing balance and a running balance — credit cards show the amount owing once a credit limit is set on the account — or a combined list for several accounts. Both include a check that opening + money in − money out = closing
• Tax & accountant exports (Premium), for whichever workspace is active, by financial year (This/Last Financial Year, or your own dates). Every one has a proper header (who it's for, the FY), Australian dates, page numbers and the transactions behind each figure:
• Accountant Pack — one PDF or Excel file for your tax agent: a cover page, the summary for the workspace (personal tax summary, rental property summary or profit & loss), loans, account balances, "items to check" (uncategorised transactions, refunds not linked to an expense, large repairs that might be capital, interest that might be counted twice) and every transaction grouped by category. The Excel version adds a month-by-month breakdown
• Rental Property — income and expenses grouped under the labels on the ATO rental property schedule (gross rent, interest on loans, council rates, body corporate, agent fees, insurance, water...), so figures can be copied straight across. Loan interest and fees come from your tracked loans; loan repayments are listed separately and never counted as an expense, because they include principal, which isn't deductible. On Personal, pick which categories belong to the property; it appears once there's a property signal (an "Investment Property" Net Worth asset, or a tracked loan)
• Personal Tax Summary (Personal) — income by tax return item with the myTax references (salary and bonuses, termination payments, interest, government payments...), tax withheld, and the categories that may hold deductions (donations, self-education, phone/internet work use, tax agent fees) — only the eligible part is claimable, so it's a starting point for your tax agent. Profit & Loss (Business/Trust) — income and expenses by category, with transfers and owner contributions left out
• Loan Interest & Fees (once you track a loan) — interest, fees and repayments per loan with every entry; break costs, LMI and cashback are shown separately as they're usually treated differently
• In every total, transfers between your own accounts and owner contributions are left out, and a refund linked to an expense comes off that expense. Free and Plus can look through the tax export options; creating the files needs Premium
• Cash-flow forecast (30 days on Plus, 90 on Premium): your cash from today, with recurring transactions, bills and an everyday-spending allowance, the lowest point and when it happens, and a list of what's coming
• Compare two periods (Premium): pick two months or runs of months and see spending or income by category side by side, with the change

12. Track Your Net Worth

Go to Net Worth to see what you actually have once everything you own and owe is combined into one figure.

• Cash and credit card balances pull from your Accounts page automatically — no need to re-enter them
• Click "Add Asset / Liability" for everything else: home, car, investments, super, mortgage, car loan, and more
• Pick a preset Name (or Custom); add a Description to tell apart duplicates like two properties or two super funds (the field's label changes to match what you picked — Property Address, Super Fund, Lender, Make & Model and so on) — for loans/super/term deposits it's a fund/lender dropdown with an "Add detail" box, for a home or investment property it's the address, shown across two lines like a delivery label
• These are updated manually whenever their value actually changes (a new loan statement, a fresh estimate) — the summary at the top breaks the total into Cash & Accounts, Other Assets, Credit Card Debt, and Other Liabilities
• Tick "Track this as a loan" on a mortgage or other liability to unlock a full repayment ledger for it (see the next section) — works the same in Personal or any Business/Trust workspace; tracked loans are capped account-wide (across every workspace combined) at 2 on Free, 5 on Plus, unlimited on Premium
• Free and Plus also cap a handful of asset types, each its own separate allowance and account-wide across every workspace combined (Family Home and Investment Property share one allowance rather than getting one each): Free gets 1 tracked property, 2 Car / Vehicle items, 2 Superannuation items, and 1 Term Deposit; Plus gets 3 properties, 4 cars, 4 super accounts, and 4 term deposits; Premium is unlimited across the board — upgrade to track more
• On a liability, pick "Secured against" to link it to the asset it's for (a mortgage to its property, a car loan to the car) — the asset then shows its own Equity figure (its value minus whatever's linked against it), handy if you've got several properties or investments each with their own loan; more than one liability can link to the same asset, e.g. a main loan and a separate equity loan against the one property
• Add a Nickname to any item if you'd rather see something short (like "Riverside Rental") as the headline instead of a full address or description — it shows in place of the description everywhere the item's referenced, including Equity and Secured against lines
• Edit or delete anytime via the pencil/trash icons; a compact version of this summary also sits on your Dashboard
• Each item shows when it was last updated (hover it for the exact date). Tick "Remind me to update this value" when adding or editing an item and choose how often — every month, 3 months, 6 months or year (e.g. 3 months for super, 6 months for property) — once it's that old it's flagged in a banner up top with a quick-jump link, and you're sent a reminder by email (and push, if it's on for your device) on the 1st of the month. Untick it for items you don't need reminding about
• New here, or already had months of transaction/loan history before it existed? Click "Fill in history" to reconstruct past months for the Net Worth Trend chart on Reports straight from your existing account transactions and loan repayments, rather than waiting for new months to pass — accounts and tracked loans are rebuilt accurately month by month, anything without its own history (like a manually entered property value) is held flat at today's figure, and any month that already has a real snapshot is never overwritten. It goes back 1 month on Free, 12 on Plus and 24 on Premium
• Add an Owned since date to an asset or debt (and a Purchase price to an asset) so the trend counts it from when you really got it, not from when you added it here — a property then rises from what you paid to today's value instead of a flat line. Accounts have the same idea with an optional Account opened date
• Rebuilt months show as a dashed line on the Net Worth Trend (with "estimated" in the tooltip) and are updated each time Fill in history runs — it also runs by itself after a bank or loan statement import. Months recorded as you used the app are never changed
• The Net Worth Trend chart shows on this page too
• Items due for an update can be updated straight from the amber banner - type today's value and press Update
• Once past months have been filled in, the Fill in history card shrinks to a one-line Rebuild link. Super without an "Owned since" date counts for every rebuilt month

13. Track Loan Interest & Repayments

Ticking "Track this as a loan" on a liability (see Track Your Net Worth) unlocks a detailed ledger right below it — interest, fees, repayments, and more, each one keeping that loan's balance up to date automatically.

• Click the loan icon next to a tracked liability to open its ledger, then click Add Entries — Interest, Principal Payment, Bank Fee, Break Cost, LMI, Cashback/Rebate, or Adjustment, each as a plain positive number (the type implies the direction; Adjustment is the one exception and can be +/-)
• Click "+ Add another" in the popup to add several entries at once, e.g. a statement's interest, fees and repayments — each new row starts with the previous row's type and date
• Edit an entry you added with its pencil icon, or delete it with its trash icon
• "Interest paid this financial year" is shown at the top, running 1 July–30 June to match the Australian tax year
• On Plus and Premium, click Import Entries to bulk-import a loan statement CSV (CommBank preset available) — the same review-before-confirming flow as transaction imports, with types auto-guessed from the description and possible duplicates (same type and amount within 5 days of an existing entry) flagged and unticked. Refunds and reversals - an interest refund, a dishonoured repayment - come in as an Adjustment signed the way the statement moved the balance, and changing any row to Adjustment keeps that direction
• On "Auto-detect / Other", the date, amount, and description columns are worked out from what's in the file, shown on a preview of the first rows with a dropdown above each column to change what it's used for. A single amount column is read the way banks show loans — positive for repayments, negative for interest and fees — and "Flip sign" is ticked for you if the file's interest rows are positive instead
• The ledger groups entries by month, collapsed by default — click "Select" to check off and delete several at once
• Entries created automatically from a linked transaction (e.g. a recurring repayment) show a link icon instead of edit/delete — edit or delete the transaction itself on the Transactions page, and the ledger stays in sync
• The loan's balance at the bottom updates automatically as entries are added, edited, or removed

14. Set Goals

Go to Goals to set targets and watch how you're tracking toward them, right alongside your other numbers.

• Click "Add Goal" and pick a type — Savings Target (tick one or more accounts to track together, e.g. a high-interest saver plus an offset account), Debt Payoff (linked to a tracked loan), or an overall Net Worth Target
• Add an optional name, then a target amount and target date — your account(s)/loan/net worth figure at that moment becomes the goal's starting point
• Progress is measured from that starting point, not from zero — so a savings goal you're already partway toward, or a loan you've already been paying down, shows fairly from day one
• The status line compares your progress against how much of the time between start and target date has passed — "On track" if you're keeping pace, "Behind pace" if you're not, "Goal reached!" once you get there
• Goals per workspace: 1 on Free, 5 on Plus, unlimited on Premium — edit or delete any of them anytime via the pencil/trash icons. Already have more than your plan allows? They all stay; you just can't add another until you upgrade
• A compact version of each goal's progress bar also sits on your Dashboard, linking back here
• Pick from Ideas to start with - emergency fund (3 months of your actual spending), house deposit, holiday, loan payoff or your next net worth milestone - and the form fills in for you to adjust
• Each goal shows when you'll reach it at your current pace, and how much a month it needs to make the target date

15. Dashboard Overview

The Dashboard is your starting point — it shows:

• A greeting for the time of day (or a welcome with a first step, if you're brand new), plus This Month's Income, Expenses, and Net in color-coded cards that update as you add transactions
• A monthly calendar of bills and recurring transactions — click a day for details, and use the arrows to look ahead at future months (forward only)
• A Recent Transactions panel showing your last 5, with a "View all" link straight to the full Transactions list
• A Goals summary — a slim progress bar per goal you've set, linking through to the Goals page to manage them
• A Net Worth summary next to the calendar, with the same breakdown as the full Net Worth page
• Budgets — categories at 80%+ of their limit show as alerts by default; flip "Show all" to see every budget's progress bar instead
• Bill Alerts for anything coming up soon, color-coded by urgency — sits beside Budgets on wider screens, stacks on mobile
• Use the Home icon in the nav to return here from anywhere
• Safe to spend at the top of the budgets card: what's left in this month's budgets after setting aside the bills and recurring payments still due before month end
• With Show all on, budgets you've spent against are listed and the rest sit behind "+N more with nothing spent yet"
• Expenses never shows below $0 - when refunds this month are bigger than spending, the extra shows under Income as "incl. $X refunds"

16. Notifications

The bell icon in the nav bar keeps a running list of anything worth your attention — no need to go looking for it on each page yourself.

• Shows bills due soon or overdue, upcoming card payments, and budgets that need attention — only for bills/cards with their own "include in reminders" setting on
• Budgets: an early warning once a budget is 80% used, and another once it's over. On Plus and Premium you're also warned when a budget is likely to go over by month end (from the second week of the month, using the same forecast as the Budgets page)
• The bell's red badge counts what's unread; click one to jump to the relevant page (switching to that workspace first if it's not the one you're currently viewing)
• Don't need to open one? Click the ✓ on the right of a notification to mark it as seen and stay where you are, or Mark all as seen at the top to clear the badge in one go. Seen notifications stay in the list, faded, until they're no longer relevant (for example, once a bill is paid)
• Clicking marks it read — it reappears on its own once relevant again, like next month's card payment or a bill whose due date has moved

17. Switch Between Light & Dark Mode

TallySmarts supports both light and dark mode across every page.

• Toggle via the icon next to your name in the nav bar — your choice is remembered on this device
• Reports charts and the Dashboard calendar adjust their colors automatically to match

18. Account Settings

Go to Settings to manage your account details. Each section has its name and a short explanation on the left and its options on the right.

• Profile Information — update your first and last name anytime
• Email Address — change it; requires confirming via links sent to both your old and new address
• Change Password — update it anytime
• Timezone — decides what counts as "today" for bills, budgets, and recurring transactions; type to search by city, state or abbreviation — e.g. "Canberra", "Queensland", "ACT" or "WA" — or click the arrow to browse the full list. Leave on Auto to always match whichever device you're using, or fix it to one zone if the account is shared across different locations so everyone sees the same day
• Account Profile — see your Personal workspace and every Business/Trust workspace you've added; add another (picking an entity type — Company, Family Trust, Unit Trust, Corporate Trustee, SMSF, or Business — what it's for, and a name, up to your plan's limit), switch between any of them, rename or re-type one, or remove a specific Business/Trust workspace (deletes only its own data; Personal can't be removed while it's your only active workspace)
• Reminders — not set here: bill reminders live on the Bills page (per bill) and credit card payment reminders live on the Accounts page (per card), each with its own lead time and Email/Push options; push must be enabled per device, and on iPhone only works once the site's added to your Home Screen
• Legal — links to TallySmarts's Privacy Policy and Terms of Service
• Danger Zone — remove a single Business/Trust workspace, or delete your whole account, which permanently removes everything across Personal and every Business/Trust workspace. Cannot be undone — a pop-up asks you to type the workspace name (or your email, for the whole account) before anything is deleted

Since TallySmarts holds real financial data, you're also automatically signed out after 30 minutes of inactivity, even across closed tabs — a "Still there?" prompt appears about a minute beforehand.

19. Install TallySmarts on Your Phone

TallySmarts can be installed to your home screen like a regular app — quicker to open, and required for bill reminder push notifications to work at all on iPhone.

• Android: in Chrome, tap the ⋮ menu → "Install app" (or "Add to Home screen") — a banner may offer this automatically too
• iPhone: must be done in Safari specifically — tap Share, scroll to "Add to Home Screen", then Add. Always open it from that home screen icon afterward, and re-enable push from inside the installed app if you'd already turned it on in a regular tab
• On desktop, most browsers offer a similar "Install" option in the address bar

20. Getting Around TallySmarts

How you get between pages depends on your screen size — phones and tablets have a tab bar along the bottom, while desktop gets a sidebar down the left.

• Every page shows its name and icon at the top, next to the Home icon — a quick way to confirm where you are and jump back to the Dashboard from anywhere
• Need a hand on a page? The round ? button in the bottom-right corner explains the page you're on, and the small ? next to a section's heading explains just that section — both open a panel at the side (or from the bottom on a phone) so you can keep looking at the page while you read
• Phone/tablet: the tab bar along the bottom has Dashboard, Transactions and Accounts, plus More for every other page, Settings, this guide and Log Out
• Desktop: the sidebar down the left lists every page. Click the arrow at the bottom to collapse it to icons only (hover an icon to see its name) or open it again — whichever way you leave it is remembered on that device
• Click your name (or the circle with your initials) in the top-right corner for Settings, this How-To guide and Log out. The bell next to it shows bills, card payments and budgets that need attention, and the sun/moon switches between light and dark mode