Tiller Money Review 2026: $99 Spreadsheet Budgeting

Tiller is a bank feed for spreadsheets, not a budgeting app. It connects to your accounts and drops each day's cleared transactions and balances into a Google Sheets or Excel workbook you own. Everything after that, categories, budgets, charts, is spreadsheet work, with a starter template to save you the setup.

That makes it a narrow product with a loyal fit: people who already budget in a spreadsheet and want the data entry gone. Tiller says subscriptions are its only revenue, that it does not sell data or show ads, and that it is not venture-funded.

Toolradar data: Toolradar, the software directory we run, tracks 72 personal finance tools as of 20 October 2026, and 60% of them are free, freemium or open source, per its personal finance ranking. Tiller sits in the paid 40% with no free tier, and it has no Toolradar listing yet, so every Tiller fact here comes from Tiller's own site and help center.

Methodology: on 21 October 2026 we read Tiller's pricing page, its homepage and its help articles, plus the US pricing pages of YNAB, Monarch Money, Quicken Simplifi and EveryDollar. Each is compared on its entry paid plan over twelve months on yearly billing. Finpresso runs no test lab, so features are what each vendor publishes.

Tiller is a service that automatically updates your bank transactions and balances into a Google Sheets or Microsoft Excel workbook. It links to bank accounts, credit cards, loans and investments through two data providers, Yodlee and Plaid, which between them support over 10,000 financial institutions.

The Foundation Template gives the spreadsheet a starting shape: a transactions sheet that collects every account, budgets, spending trends, cash flow and net worth tracking. From there you can change categories, write your own rules for categorizing transactions, add charts and even change fonts and colors.

Tiller also pitches the spreadsheet as a safe place to point AI. Its homepage suggests asking ChatGPT, Claude or Gemini about your spending using the sheet, instead of linking an AI tool to your bank accounts, and says AI use is optional.

Data moves in two steps. First, Yodlee or Plaid refreshes your account, and Tiller pulls the result into its database. Second, the data fills into your sheet. On Google Sheets that fill can run automatically with AutoFill or Direct Fills; on Excel, AutoFill is not available, so you click to fill.

Refreshes are not always hands-off. Tiller says 95% of the institutions it supports offer automatic refreshes, about once a day, but accounts that require a security code at login may need you to refresh them manually in the Tiller Console. Loans and mortgages can refresh as rarely as twice a month, and only cleared transactions come through, which can take 2 to 3 days.

When a connection fails, Tiller now lets you reconnect the same bank through the other data provider. On Google Sheets with Direct Fills, a Data Cleanup workflow removes the overlapping rows. That workflow does not exist for Excel.

Away from the computer, Tiller's on-the-go feature is a morning email with your balances and recent charges. The spreadsheet stays the product, so anyone who budgets mainly on a phone should compare it with YNAB or Monarch first.

Tiller's yearly plan works out to $8.25 a month on our arithmetic, billed once a year after a 30-day free trial. Your card is not charged until the trial ends, and Tiller offers a full refund for another 30 days, up to 60 days risk-free. Sales tax is added in states that require it. The pricing page lists that single yearly plan. Source: Tiller pricing, checked 21 October 2026.

Against rivals on yearly billing: Tiller is $10 below YNAB's $109 (YNAB pricing), $0.99 below Monarch Money Core (Monarch pricing) and $19.01 above EveryDollar Premium (EveryDollar on Ramsey Solutions). Quicken Simplifi shows $3.99 a month billed annually against a struck-through $6.99, which is $47.88 a year at the shown rate or $83.88 at the struck-through one (Simplifi pricing).

The business case is where Tiller is cheapest. Monarch puts business income and expense tracking on Plus at $199.99 a year, so a sole proprietor gets the same job from Tiller for $100.99 less, our arithmetic. All five pages checked 21 October 2026.

Tiller fits someone who already budgets in a spreadsheet and wants the bank data to arrive by itself, especially on Google Sheets, where fills can run automatically. It also fits a freelancer or sole proprietor who wants business and personal money in one place without paying for a second plan.

It does not fit someone who wants guidance or a phone app. YNAB teaches a method, Monarch and Simplifi are apps first, and EveryDollar has a free manual version. If a budget means opening an app on the bus, read the YNAB review (or its Toolradar profile), the Monarch Money review (and Monarch on Toolradar) or the Simplifi review instead. Excel users should weigh the missing AutoFill and Data Cleanup before they commit.