In May 2024, Tally Technologies shut down without warning, stranding hundreds of thousands of users who had relied on the app to manage and automate their credit card payments. If you're one of them — or if you've been searching for what Tally used to offer — this guide is for you.
What Made Tally Useful
Tally's core value proposition was automation: it analyzed your credit cards, identified the optimal payment order, and made the payments for you through a revolving line of credit it extended to users. That line of credit element was unique, and no direct replacement exists. What you can replace is everything else: the payoff strategy, the debt visibility, and the accountability that kept users on track.
DebtCrusher — Best for Strategy + Accountability
DebtCrusher doesn't automate your payments, but it does something Tally never did: it tells you exactly why to pay debts in the order it recommends, calculates your debt-free date, and uses an AI advisor named Eli Carter to identify opportunities to accelerate payoff through spending cuts and income optimization.
The free plan is genuinely useful — you can enter all your debts, compare avalanche vs. snowball strategies, and get a real debt-free date without a subscription. Pro users get Eli's coaching, streak tracking, and credit score monitoring for $7.99/month. If you're committed to a multi-year payoff, the $249 lifetime plan pays for itself in months.
Undebt.it — Best Free Option
Undebt.it is the most comprehensive free debt calculator available. You enter your debts, choose a strategy, and it generates a detailed payoff timeline. There's no mobile app and no push notifications, but the desktop experience is thorough.
The Bottom Line
Tally's shutdown was disruptive, but the core problem it solved — paying off credit card debt systematically — is solvable with the right tools. For strategy-driven payoff with AI coaching and accountability, DebtCrusher is the strongest replacement.