Bank transactions look like gibberish. Your bank's categories are too broad—"Shopping" when you need "Kids > Clothing" vs "Home > Furniture". Restaurants get lumped together when you want "Coffee" tracked separately from "Fast Food".
The Solution
AI assistants know what "WHOLEFDS MKT" is. They understand "SQ *" means Square. Just tell Tally your categorization rules in plain English:
"ZELLE to Sarah is babysitting → Childcare" "COSTCO with GAS is fuel, otherwise groceries"
Tally works with your AI to write the rules to a simple file. No database, no cloud service. Just a file on your computer that you control.