Tally helps individuals manage and pay off their credit card debt through a mobile application. The app simplifies the payment process by allowing users to automate their credit card payments, which helps them avoid late fees and potentially lower their annual percentage rate (APR). Tally is especially useful for those with multiple credit cards, as it consolidates payment management into one platform. The company offers a custom, low-interest line of credit to eligible users, which they can use to pay off their existing credit card debt more quickly. This line of credit typically has a lower interest rate than standard credit cards, making it a more affordable option for users. Tally's goal is to help users save money on interest payments, with potential savings of up to $4,300 over seven years, depending on individual circumstances.