tally

Personal finance management CLI and MCP server. Pulls transactions from Wise, categorizes them, writes to hledger journal files, and generates financial summaries.

Features

Pull transactions from Wise API across all currency balances
Map Wise transactions to hledger journal format with proper double-entry bookkeeping
Deduplicate imports — safe to run repeatedly without double-counting
Run hledger reports (balance, register, income statement)
List uncategorized transactions for review
Dual-mode: works as both a CLI tool and an MCP server for AI-assisted bookkeeping

CLI Usage

tally serve                              Start MCP server
tally pull [--since DATE] [--until DATE] [--profile TYPE]
                                         Pull transactions from Wise
tally import [--journal FILE] [--since DATE] [--until DATE]
                                         Pull and write to journal
tally balance [--profile TYPE]           Show Wise balances
tally report [--journal FILE] [--type bal|reg|is] [QUERY]
                                         Run hledger reports
tally categorize [--journal FILE]        List uncategorized transactions

Examples

# Pull recent transactions
tally pull --since 2026-03-01T00:00:00Z

# Pull transactions within a date range
tally pull --since 2026-01-01T00:00:00Z --until 2026-03-31T23:59:59Z

# Import transactions to journal with deduplication
tally import --journal finances.journal --since 2026-01-01T00:00:00Z

# Check current Wise balances
tally balance

# Run a balance report
tally report --type bal assets

# Monthly income statement
tally report --type is

# List uncategorized transactions
tally categorize --journal finances.journal

MCP Server Tools

When running as an MCP server (tally serve), the following tools are available:

Tool	Description
`tally/pull`	Pull recent transactions from Wise API
`tally/import`	Pull and import new transactions into journal
`tally/balance`	Show current Wise account balances
`tally/report`	Run hledger reports (bal, reg, is)
`tally/categorize`	List uncategorized transactions for review

Configuration

Environment variables:

Variable	Required	Description
`WISE_API_TOKEN`	Yes (for Wise operations)	Wise personal API token
`TALLY_JOURNAL`	No	Default journal file path (default: `main.journal`)
`TALLY_PROFILE`	No	Default Wise profile type: `personal` or `business` (default: `personal`)

Account Mapping

Wise transactions are mapped to hledger accounts as follows:

Wise balances: assets:wise:{currency} (e.g., assets:wise:eur, assets:wise:usd)
Debit transactions: expenses:uncategorized (re-categorize after import)
Credit transactions: income:uncategorized (re-categorize after import)

Each imported transaction includes the Wise reference number as both a transaction code and a ref tag for deduplication.

Dependencies

sigil-wise — Wise API client library
sigil-ledger — hledger journal read/write
sigil-mcp — MCP server framework
hledger — required on PATH for report commands

Building

Requires a C toolchain. On Guix:

guix shell -m ../sigil/manifest.scm -- env CC=gcc sigil build --redirects dev-redirects.sgl

Testing

guix shell -m ../sigil/manifest.scm -- env CC=gcc sigil test --redirects dev-redirects.sgl

Note: tests require a lib symlink to the build output for dependency resolution:

ln -s build/dev/lib lib