For the self-employed and sole traders in Latvia · free beta

Your money and invoices,
in one calm place.

Upload a bank statement — Tally sorts transactions into categories and separates transfers between your own accounts and cash. And a client invoice that follows Latvian rules takes a minute.

  • Read-only — no access to your money
  • No ads, no cookie tracking
  • Latviešu · Русский · English

Sound familiar?

A freelancer's finances usually live in three places at once

Invoices in Word or Excel
Numbering drifts, details get copied from the last file every time, and you remember the VAT line after the invoice is sent.
Money, but no picture
The bank shows a long list. Transfers between your own accounts and cash withdrawals inflate “spending”, and you can't tell what really went out.
It's all in your head
When the client should pay, when a subscription renews, how much goes to the loan — you remember until you forget.

How it works

Three steps to order in your money

01
Upload a statement
A CSV from SEB internet banking, or manual entry. No bank connection — Tally only reads what you upload.
02
Tally sorts it
Categories from a dictionary of Latvian shops plus AI. Transfers and cash withdrawals kept separate so spending isn't inflated. Unsure items are flagged for you.
03
See the picture, act
Where money goes, recurring payments, cash on hand, client invoices and reminders — all in one place.

Features

Everything a freelancer needs every month

Invoices

A Latvian-format invoice in a minute

RĒĶINS with your details, continuous numbering and VAT based on your profile. Not VAT-registered? Add “Nav PVN maksātājs” to your profile note and it appears on every invoice.

  • Saved clients — pick from a list
  • Issue date, including backdating
  • A clean PDF ready to send
  • Statuses: draft → issued → paid → overdue

Insights

Where your money really goes

Not just categories but levels: obligations (housing, loans, taxes), essentials (food, transport) and wants (cafés, subscriptions). You instantly see where there's room.

  • Transfers between your accounts aren't spending
  • Income by source — who paid you
  • Search and filter by any field
  • Any period: month, quarter, year, custom

Receipts

A receipt splits a purchase into items

Snap a receipt or pick up to 5 photos from your gallery. Tally reads items and discounts and finds the payment in your statement — even by the last card digits.

  • Cable to business, groceries to personal
  • “Was / discount / after discount” per line
  • Cash or card with one tap
  • Optional: without a receipt the transaction is categorised anyway

Cash

Cash and statement-less accounts, under control

Took €200 from an ATM? That's not spending yet. Tally shows withdrawn, accounted and left — and lets you mark what it went on. Upload the other account's statement and estimates are replaced by real data.

  • Nothing is counted twice
  • Default date — when the money arrived
  • Manual entries are clearly labelled “estimate”

Recurring

Recurring payments and reminders

Tally finds repeating charges — rent, subscriptions, loan — and shows what they cost per month. Reminders help you not miss a payment.

  • Obligations separate from subscriptions
  • Monthly total in one number
  • Reminder when a client invoice is due

Made for Latvia

Local specifics built in, not bolted on

Tally is built around the reality of a Latvian freelancer, not translated from another market.

Latvian invoice
RĒĶINS format, both parties' details, continuous numbering, VAT from your profile.
SEB statement
CSV import that recognises transfers, cash withdrawals and the real time of card payments.
Business and personal apart
For saimnieciskā darbība: every transaction is tagged, business has its own section with invoices and clients.
Three languages
Latvian, Russian and English — switch with one click.

Coming

What we're building next

Honestly: these don't work yet — but they're in development. No dates promised.

in progress
Tax helper
An income/expense journal, a “how much to set aside for taxes” hint and a calendar of VID deadlines — for your form (SDV/IK) and regime. A guide, not advice.
in progress
Automatic bank import
Transactions will arrive on their own via open banking — once we obtain the required authorisation. Optional.
in progress
More banks
Swedbank, Citadele, Luminor, Revolut — statement import just like SEB.

Security

Your data is yours

Read-only
Tally isn't connected to your money and can't transfer or pay anything.
AI only to read
A receipt photo goes to an AI provider only to read the text. We don't use your data to train models.
Delete any time
Wipe your data or delete your account in Settings — no emails, no waiting.
No ads, no tracking
We don't sell data or show ads. Site statistics are our own and cookieless.

Pricing

Free during the beta

€0/ month

Every feature is open during the beta. If a paid plan appears we'll tell you in advance — and a free option will remain.

  • Invoices, clients and PDF
  • Statement import and auto-categories
  • Receipts, cash, recurring payments
  • All three languages
Start free →

No card, no commitment.

FAQ

Common questions

What is Tally and who is it for?

Tally is a web app for self-employed people (saimnieciskās darbības veicējs) and sole traders in Latvia. It brings personal and work money into one place: you upload a statement, Tally sorts transactions into categories and separates transfers between your own accounts and cash, and for work you issue invoices that follow Latvian rules.

You can use it without a business too — simply as a clear map of your finances.

How much does it cost?

It's free during the beta. All features are open and no card is needed. If a paid plan appears, we'll tell you in advance, and a free option will remain.

Do I need to connect my bank?

No. You upload a statement (CSV) yourself or add expenses by hand. Tally doesn't connect to your bank and has no access to your money — it cannot transfer or pay anything.

Automatic import via open banking will come later, after we obtain the required authorisation, and it will be optional.

How does Tally categorise spending?

First your own rules apply, then a built-in dictionary of Latvian shops and services, and whatever is still unknown is recognised by AI.

Where it isn't sure (is Bolt a ride or food?), Tally sets the likely category and marks it “to check”. You can change any category.

Do I have to add receipts?

No. Every transaction is categorised automatically anyway.

A receipt is only needed to split one purchase into several categories (say, at Rimi: groceries to personal, a cable to business) or to record a cash purchase.

Are Tally invoices right for Latvia?

Invoices use the Latvian RĒĶINS format: your and your client's details, continuous numbering, issue and due dates, the amount and — if you're VAT-registered — VAT. If you aren't, add “Nav PVN maksātājs” to the note in your profile and it will appear on every invoice.

Before your first invoice, fill in your details in Settings (name, registration number, bank, IBAN). Tally helps you prepare invoices, but the issuer is responsible for their content.

How safe is my data?

Tally only stores and shows what you uploaded: it has no access to your bank or money. Passwords are stored only as hashes and sign-in is protected by a session.

You can wipe your data or delete your account in Settings at any time.

All questions and answers →

Get your money in order in 10 minutes

Upload your first statement — the picture appears right away.

Start free →