Verified purchaser
Needs More Polish
I think it has potential but right now it is so annoying for an AI powered tool. So many popups and notifications. During the onboarding phase, it constantly interrupted me.
It does categorize many transactions but that was possible even before generative AI. Banks have been doing this for years. I don't think Tabby is any more accurate than other tools. What's annoying is that in my short time, it could not categorize common transactions like Reddit Ads, cashback statement credits and credit card payments.
Bug: When I went to add a new category, the form says "Add Account". At first I thought I clicked the wrong button so i closed it and reopened but this is indeed a typo.
Also, this feels like it was vibe-coded as it has all the tell-tale signs of it. If it's true, it makes me very concerned as fintech is not something I would trust to a non engineer + AI.
I bought tier 2 because tier 1 does not even provide AI features, which seems very counterintuitive for an AI bookkeeping tool. I am on the fence on whether to keep it or not. I only added business credit cards. I will test with other bank accounts that have mixed usage.
Determining personal or business use and generating reports for tax purposes were the two use cases for me. If it can do those two things I will likely keep it and add a taco to the rating.
ahadthecpa
Jan 6, 2026Thank you for taking the time to share your feedback.
On the onboarding interruptions:
You’re absolutely right - we got too aggressive with the popups. We’re working on a redesign to make onboarding smoother and less intrusive. If you could email us at support@usetabby.com with specific points where you felt interrupted, that would be incredibly helpful.
On AI categorization accuracy:
I understand the frustration with Reddit Ads, cashback credits, and credit card payments not categorizing correctly. Here’s what’s different about Tabby:
While banks can categorize transactions generically (e.g., “Shopping” or “Food”), Tabby categorizes according to IRS tax code - the actual categories that appear on your tax return (Schedule C line items). This is critical for accurate tax reporting.
You’re right that we’re not perfect on day one, but our smart learning system improves as you correct categories. For credit card payments specifically - these require matching to a connected credit card account for proper double-entry accounting. If you haven’t connected the credit card being paid, Tabby can’t categorize it correctly.
We’d love to help you get better results:
∙ Email us the specific transactions that aren’t categorizing correctly
∙ We can manually review and improve the AI’s accuracy for your use case
∙ Our team can help you set up proper account connections for credit card payment tracking
On the “Add Account” bug:
I am not seeing this, I am seeing “add a category”. Please email support.
On engineering concerns:
I want to address this directly: Tabby is not “vibe-coded.” We have:
∙ A full engineering team led by our CTO Shah Paran
∙ A complete GL-based double-entry accounting system
∙ Bank-level security through Plaid (SOC 2 certified)
∙ Built by a practicing CPA (me) who serves 1,200+ clients
This is serious fintech infrastructure, not AI-generated code. Your data security and accuracy are our top priorities.
On your use cases:
For what you’re trying to accomplish:
1. Personal vs. business separation: Tabby can handle this, but it requires some initial setup and review. Not 100% automated, but saves significant time.
2. Tax reports: This is Tabby’s strength. Once transactions are categorized, your Schedule C and P&L reports are ready instantly.
Here’s what I’d recommend:
1. Email us at support@usetabby.com - let’s get on a quick call to optimize your setup
2. Connect all your accounts (including the credit cards you’re paying)
3. Spend 15 minutes correcting categories - the AI learns from your corrections
4. Test the tax reports - this is where Tabby shines
We’re a small team going up against billion-dollar companies like QuickBooks and Xero. We’re not perfect, but we’re committed to serving small businesses better than the incumbents who take advantage of them.
I’d love to earn that extra taco from you. Give us a chance to make this right.