TallyMsg is an AI-driven expense tracking tool that operates through Telegram and WhatsApp, allowing users to log and manage their spending without downloading a separate application. The service interprets natural language messages, receipt images, and voice notes to automatically record expenses, assign categories, and monitor budget limits. Users interact with a bot on either messaging platform, and the system provides real-time confirmations and updates through a dashboard accessible via a web interface. The tool offers a range of features across free and paid tiers. The free plan includes a limited number of messages per day and month, access to the dashboard, and the last three months of transaction history. Paid plans provide unlimited messages, receipt image scanning, voice note logging, AI insights with custom categories, CSV export, and PDF exports for monthly digests or the full dashboard. TallyMsg does not require a bank account login or any app download, and it can be set up within approximately 30 seconds by connecting a Telegram or WhatsApp account. Typical use cases include quickly logging a purchase by sending a simple text message such as "32 at carrefour food," taking a photo of a receipt, or speaking an expense aloud. The system automatically extracts the amount, merchant, and category, then updates the user’s budget summary. The dashboard displays spending totals, category breakdowns, and budget status, helping users track monthly spending without manual data entry. Users can also request a chat-based summary or export a PDF of their expenses directly within Telegram or WhatsApp. Technical requirements are minimal: a Telegram or WhatsApp account and an internet connection. The service does not store sensitive banking credentials, as it relies solely on user-submitted messages. The bot processes messages on a per-account basis, and the dashboard is accessible from any web browser. TallyMsg is designed for individuals who want a frictionless, app-free way to monitor personal finances using tools they already use for communication.