Fintech AppConceptTallyo
Invoicing, payments and tax for freelancers and small businesses.
A finance app for freelancers and small businesses: send invoices with payment links, match receipts to payments, track cash flow and set aside tax.
- Category
- Fintech · Mobile App
- Designed for
- iOS & Android
Why Tallyo exists
The problem
Freelancers and small businesses chase late invoices, lose receipts and only find out what they owe in tax when the bill arrives.
The product
Tallyo sends invoices with payment links, matches payments and receipts automatically and keeps a live tax estimate so there are no surprises.
Built for: Freelancers, consultants and small businesses with up to 20 staff.
- Invoices with card and bank payment links
- Automatic matching of payments to invoices
- Receipt capture and categorisation
- Cash-flow view with a forward forecast
- VAT and income tax estimates
- Read-only access for your accountant
Walkthrough
Your Business Finances, On One Screen
Designed for people who would rather do their actual work: everything urgent on the home screen, everything else one tap away.
- 01
Home
Balance, money in and out, quick actions, a cash-flow chart and the invoices, receipts and deadlines that need attention.
- 02
Invoices
Create an invoice in under a minute with line items, VAT and a payment link.
- 03
Payments
Every transaction categorised and matched, with receipts requested where missing.
- 04
Insights
Revenue, profit, spending by category, a tax estimate and accountant sharing.
Every screen
The full experience.
What makes it different
Bank-Grade By Default
Open-banking connections are read-only, sensitive data is encrypted at rest, and every change to money records is logged.
Open-Banking Feeds
Transactions sync from the business bank account through regulated providers.
Smart Matching
Payments match to invoices and receipts automatically, with a quick review for the rest.
Tax Set-Aside
A running estimate of VAT and income tax with progress toward the amount due.
Secure Access
Biometric login, device binding and read-only access for accountants.
How it’s built
The technology stack.
The architecture we would build this on today, and why each piece earns its place.
- Mobile app
React Native with Expo · TypeScript
One codebase for iOS and Android with native performance
- Offline data
SQLite on device with background sync
The app keeps working with a weak or no signal
- API
NestJS on Node.js · PostgreSQL
Shared business rules with the web platform
- Notifications
APNs and FCM via Expo push
Timely alerts without a third-party marketing SDK
- Banking & payments
Open-banking aggregator APIs and Stripe
Regulated bank connections and card and bank payments
- Security
Encrypted storage, biometric unlock, audit logs
Financial data protected on the device and the server
- Release
EAS Build, over-the-air updates, staged store rollouts
Fixes reach users in hours, not store-review days
More inside
Get Paid, Stay Organised, Never Guess.
The finance jobs a small business does every week.
Reminders
Polite automatic reminders to clients when invoices are overdue.
Accountant Access
Read-only access for your accountant, with exports in standard formats.
What comes next
On the roadmap.
What a second release would add once the first one is in real users’ hands.
- 01Expense cards with spending limits
- 02Payroll for small teams
- 03Multi-currency accounts
- 04Making Tax Digital submissions
- 05Recurring invoices and subscriptions
Concept project
Need Something Like This?
This is concept work: the product design, screens and architecture we would start from. If your business needs a fintech, payments or finance app, we can scope a first release with you, usually within a week.
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