Personal finance

Finance software that shows its work.

Most apps give you a number. Tact shows you how it got there — debt payoff with the month-by-month math, investments including the accounts that won't sync, equity comp beside the rest of your plan. Built by a data scientist who got tired of going back to spreadsheets for the hard parts.

Net Worth

Transactions

Budgets

Investments

Plan

Net worth

$412,840

↑ +$2,140 this month

Assets

$612,840

Liabilities

−$200,000

Δ YTD

+$18,240

Goal reached

Emergency fund complete

$15,000 6 months funded · CHK ···4821

Recent All →

Payroll — Acme Corp

Income Apr 25

+$5,833.33

Chase Mortgage

Housing Apr 24

−$2,418.00

Whole Foods Market

Groceries Apr 23

−$84.12

Budget · April Detail →

Housing

$2,418 on budget

Food

$384 $216 left

Transport

$324 −$24 over

What's inside

Full picture

Checking, credit cards, loans, brokerage accounts, real estate, and equity compensation in one dashboard. Connected through SimpleFin, with CSV import for history from other apps.

Rollover budgets

Budget lines with real rollover behavior, sinking funds, savings goals, and history snapshots. Not a simplified monthly reset.

Debt payoff math

Payoff dates with the month-by-month math, not a black-box estimate. Scenario comparisons: current pace, extra payment, minimum payment — with exact dates.

Investments

Manual holdings, Fidelity exports, OFX/QFX tax lots, and quote refreshes for accounts that don't sync cleanly. Your actual portfolio, not a simplified summary.

Equity comp

Vesting schedules and exit-scenario estimates beside the rest of your plan, instead of another forgotten spreadsheet.

Clean data

Merchant cleanup and category normalization built in. History imports cleanly from Monarch, YNAB, and other apps.

How it compares

If you use	What's missing	Tact adds
Monarch / YNAB	Investment detail, equity comp, debt scenarios	All of it, linked
Empower	Rollover budgets, payoff math	Budget + debt layer
Spreadsheets	Live account data, maintenance burden	Same logic, synced

Pricing

$15–30/yr

The goal is to make a better personal finance tool without turning it into another expensive subscription. Exact price TBD when hosted access opens.

Tact is still being built. If you pay for Monarch, YNAB, or Empower and still end up in spreadsheets for the hard parts — that's who this is for. Leave your email and I'll let you know when it's ready.

Got it. I'll be in touch.

About

Built by Amos, a data scientist and personal finance obsessive. No VC pressure, no growth team, no dark patterns. The goal is a tool that's actually good — priced around $15–30/year once hosted access opens.

Deliberately scoped. US-first. Web before mobile. It will never move your money, give you financial advice, or add a streak counter.