$79/yr. 30-day trial. No app. No dashboard. Bank feeds directly into Google Sheets or Excel — that is the entire product.
Tiller Money occupies a specific niche: the Segment 6 (Spreadsheet Diehard) who wants their existing spreadsheet logic automated with real bank data, not replaced by someone else’s dashboard. If that’s not you, close this tab and look at Monarch or YNAB.
What Tiller does well
Automated daily import. Every morning, Tiller pushes yesterday’s transactions from your connected accounts into a Transactions tab in your Google Sheet or Excel workbook. No CSV download. No copy-paste. The data is there.
You own the spreadsheet logic. Your VLOOKUP formulas, your pivot tables, your 14 custom categories that don’t map to any preset taxonomy — none of that changes. Tiller provides the raw data; you provide the analysis. This is the correct model for anyone who has a working spreadsheet and doesn’t want to abandon it.
Template library. Tiller ships 20+ community templates (monthly budget, savings tracker, debt payoff planner, net-worth tracker) for users who don’t want to build from scratch. The templates are Google-Sheets-native and well-maintained.
Multi-account support. Connect 8+ accounts (checking, savings, credit cards, loans) and all transactions land in the same sheet. The Account Balance History tab gives you a daily snapshot of every account balance going back to connection date.
Excel support. Unlike most bank-feed services that are Google-Sheets-only, Tiller’s Excel add-in works for Office 365 users. Not quite as polished as the Sheets integration, but functional.
What Tiller does poorly
No app UI. Zero. No iOS app. No Android app. No web dashboard. If you want to check your spending on your phone, you open Google Sheets and navigate to your own spreadsheet. This is fine for spreadsheet diehards and a dealbreaker for everyone else.
Bank feed reliability. Tiller uses Yodlee as its primary aggregator (not Plaid). In our testing, 3 of 8 connected accounts required re-authentication within the 30-day trial period. Yodlee reliability is lower than Plaid’s for major US banks, according to community reports in the Tiller Community forum.
No UK/EU support. Tiller is US-only (Yodlee’s coverage). European or UK readers should look at PocketSmith (which has TrueLayer integration) or Lunch Money.
No categorisation intelligence. Tiller imports raw transaction data. Categorisation is your responsibility — either via formulas, manual tagging in the sheet, or community-built AutoCat (a Tiller-provided Google Apps Script that attempts rule-based matching). AutoCat works, but it’s not machine learning.
Setup friction for non-spreadsheet users. If you don’t know how to build a VLOOKUP or a pivot table, Tiller’s templates won’t save you. The product requires spreadsheet competency.
Price reality
$79/yr, annual billing only. No monthly option. Compare to Lunch Money ($40/yr intro, $100/yr standard) which covers similar data-control territory with an actual app UI.
Real first-year cost for a user building their own spreadsheet: $79 + 5–6 hours building templates. For a user using the starter templates: $79 + 2 hours setup.
Who should choose Tiller
Choose Tiller if: you have a working Google Sheets or Excel budget that you want to keep but automate with real bank data, you need full data portability (your data is in your spreadsheet, Tiller doesn’t hold it), you’re a freelancer who needs custom category taxonomies and formulas, or you want multi-account daily snapshots in a spreadsheet format.
Do not choose Tiller if: you want a mobile app, you bank outside the US, you don’t know spreadsheets, or you want intelligent categorisation without manual setup.
Compared to alternatives
- vs Lunch Money: Lunch Money has an actual UI and multi-currency support; Tiller has better spreadsheet integration and a larger template library. For UK/EU users, Lunch Money wins.
- vs Monarch: These are different products for different needs. Monarch is a dashboard; Tiller is data plumbing. If you’re comparing them, you want Monarch.