Tally review: How does an app that claims to help you lower your debt actually work?

To summarize — using Tally is saving our testers money in the long run, as they went from paying interest rates in the teens to paying 11 percent interest on most of their debt. The app is also streamlining their two monthly payments into one, so they just have to navigate the Tally app, which makes sure all payments are made on time, minimizing fees and penalties.