Tiller Review (2026)
Tiller pulls your bank and card transactions into a Google Sheet or Excel workbook every day, and you build the budget in the spreadsheet. It suits people who already like spreadsheets and want to own their data in a file they control. It costs $99 a year with no monthly plan, and there is no native phone app.
By Wealthy Pot Editorial · Facts checked October 18, 2026
Facts checked October 18, 2026 against Tiller's own pricing, help and policy pages (11 sources, listed below). We re-check prices about once a month. We do not earn a commission from Tiller today. We have applied to its affiliate program (pending as of October 2026); if approved, the Visit link may become a paid link, and this review will say so.
Tiller at a glance
| Price | $99 a year; no monthly plan [1] |
|---|---|
| Free trial | 30 days, then 30 more days covered by a full refund [1] |
| Free plan | None [1] |
| Spreadsheets | Google Sheets, or Excel through Microsoft 365 or Excel Online [4] |
| Phone use | No native app; the Tiller Console web app works in a phone browser [3] |
| Bank connections | Yodlee and Plaid, chosen per bank; over 20,000 institutions [6] |
| Not supported | EU and UK banks, crypto, investment positions (balances and transactions only) [6] |
| File import | CSV importer for institutions that cannot connect [6] |
| Budgeting method | Whatever you build; starts from the Foundation Template [1] |
| Ads / data sales | No ads; Tiller says it does not sell your personal information [7] |
| Company | Seattle; funded by customer subscriptions, no venture capital [8] |
What Tiller costs
| Plan | Paying monthly, 1 year | Annual plan, 1 year | 3 years (cheapest way) |
|---|---|---|---|
| Tiller subscription | - | $99 | $297 |
Our arithmetic from the listed prices, before sales tax, assuming today's prices hold; subscriptions can renew at a different rate. Tiller is billed yearly only; $99 works out to $8.25 a month. The price rose from $79 on August 1, 2026, the first increase since 2020. Your card is not charged until the 30-day trial ends. Excel users also need a Microsoft 365 subscription or Excel Online; Google Sheets is free.
How Tiller works
You link accounts in the Tiller Console, a web app, and pick Yodlee or Plaid for each bank. Tiller then fills new transactions and balances into your spreadsheet. On Google Sheets, Direct Fills push them in as they arrive; Excel users pull them in through a sidebar.
The budget itself is a spreadsheet. The Foundation Template gives you transactions, balances and budget sheets, and AutoCat rules categorize transactions by description. You can change any formula, add sheets or build your own method. A hypothetical example: you set a $500 grocery row in the budget sheet, AutoCat files every transaction containing "KROGER" as Groceries, and a standard SUMIFS formula shows $340 spent by the 20th.
Because the data lives in your own Google Sheet or Excel file, you keep it if you cancel, and you can share the sheet with a partner. Shared users can see and edit the sheet but do not get Tiller's add-on features or account management.
Pros
- Your data sits in your own Google Sheet or Excel file
- Two bank-data providers, switchable per bank
- Fully customizable: change any formula or sheet
- Customer-funded, no ads, and Tiller says it does not sell personal data
Cons
- You need to be comfortable with spreadsheets
- Annual billing only, $99 a year after the 2026 price rise
- No native iPhone or Android app
- Several 2026 features work in Google Sheets only for now
Who Tiller fits, and who should skip it
A good fit if
- You already track money in a spreadsheet and are tired of typing in transactions.
- You want your full transaction history in a file you own, not locked inside an app.
- You want to design your own categories, reports and formulas.
Look elsewhere if
- You want a phone app that just works: Monarch Money or YNAB are built for phones.
- Your banks are in the UK or EU: Tiller cannot connect to them. Actual Budget takes file imports.
- You want a spreadsheet-style budget without a subscription and will enter data by hand: GnuCash is free.
Limitations to know
- Excel support needs Excel from a Microsoft 365 subscription or Excel Online; standalone Office 2019, 2021 and 2024 are not supported. [4]
- Tiller cannot connect to EU or UK banks, does not support crypto, and brings in balances and transactions but not investment positions. [6]
- Direct Fills, AI Suggest and the Data Cleanup tool are Google Sheets only for now. [3]
- People you share the sheet with do not get Tiller's add-on features or account management. [9]
Tiller compared with alternatives
| App | Price | Free plan | Bank sync | Platforms | Method |
|---|---|---|---|---|---|
| Tiller | $99/yr (30-day trial; annual only) | No | Yes (Yodlee, Plaid) | Web | Spreadsheet (Sheets/Excel) |
| Monarch Money | No free tier; Core $14.99/mo · $99.99/yr; Plus $199/yr (US & Canada only) | No | Yes (Plaid, Finicity, MX) | iOS, Android, Web | Flexible / aggregation |
| YNAB | $14.99/mo · $109/yr (34-day trial; free 365-day trial for college students) | No | Yes (Plaid, MX) | iOS, Android, Web | Zero-based envelope |
| Actual Budget | Free (self-host); hosting about $1.50/mo (PikaPods); US bank sync needs SimpleFIN ($15/yr) | Yes | Via SimpleFIN ($15/yr), US | Web, Desktop, Self-host | Envelope / zero-based, local-first |
| GnuCash | Free | Yes | OFX Direct Connect only where the bank offers it | Desktop | Double-entry + investments |
- Pick Monarch Money if you want automatic tracking in a polished phone and web app instead of a spreadsheet.
- Pick YNAB if you want a ready-made zero-based method rather than building your own.
- Pick Actual Budget if you want a free, open-source budget you can host yourself.
- Pick GnuCash if you want free double-entry bookkeeping on your desktop and can import files.
Security and privacy
- Bank connections run through Yodlee or Plaid, chosen per bank in the Console. [5]
- Tiller says data travels over TLS and that transaction descriptions are stored with 256-bit AES encryption. [7]
- Tiller says it does not sell your personal information to third parties, and the pricing page promises no ads. [7]
- Tiller's privacy policy does not mention two-factor login or a SOC 2 audit. Once data is in your spreadsheet, its protection also depends on your Google or Microsoft account security. [7]
Recent changes
| Date | What changed |
|---|---|
| Jul 2026 | Tiller 2026 release: phone-friendly Console, Direct Fills, Data Cleanup, and AutoCat Description Match with opt-in AI Suggest. [3] |
| Jun 2026 | Announced a price rise from $79 to $99 a year, effective August 1, 2026, the first since 2020. [2] |
| May 2026 | Added Plaid as a second bank-data provider alongside Yodlee, plus a Data Cleanup workflow. [5] |
Tiller FAQ
How much does Tiller cost?
$99 a year, billed annually, after a 30-day free trial. It was $79 a year until August 1, 2026.
Does Tiller work with Excel?
Yes, if your Excel comes from a Microsoft 365 subscription or you use Excel Online. Standalone Office 2019, 2021 and 2024 are not supported.
Does Tiller have a mobile app?
There is no native app. The Tiller Console has worked in a phone browser since July 2026, and you can open your sheet in the Google Sheets or Excel app.
Does Tiller work with UK or European banks?
No. Tiller cannot connect to EU or UK banks. You can still use its CSV importer.
What happens to my data if I cancel Tiller?
Your transactions stay in your own spreadsheet. New transactions stop filling in.
How we researched this review
We did not get paid or receive a free account for this page. We read Tiller's own pricing page, help center, security and privacy pages and app-store listing on October 18, 2026, quoted each fact from those pages, and link every one below. We did not run a long-term hands-on test, so we do not score the app; where a point rests on what the company says rather than something we can check, we attribute it to Tiller. Cost figures are our own arithmetic. We re-check prices and plans about once a month and log changes in the table above.
Sources
- Tiller, Pricing, checked October 18, 2026.
- Tiller Community, Update to Tiller's annual price starting in August 2026, checked October 18, 2026.
- Tiller, What's new in Tiller 2026, checked October 18, 2026.
- Tiller Help, Tiller for Microsoft Excel FAQ, checked October 18, 2026.
- Tiller, Bank connections: Plaid, Yodlee and Data Cleanup, checked October 18, 2026.
- Tiller Help, Supported financial institutions and accounts, checked October 18, 2026.
- Tiller, Privacy policy, checked October 18, 2026.
- Tiller, About, checked October 18, 2026.
- Tiller Help, How to set up Tiller when you share expenses, checked October 18, 2026.
- Tiller, Tiller launches personal finance service for Excel, partners with Microsoft, checked October 18, 2026.
- Tiller, Tiller for Excel and Google Sheets, checked October 18, 2026.
See every option in our budgeting apps comparison, and set your category targets with the free budget calculator.
This review is for general information, not financial advice. Prices and features change; check the vendor's site before you subscribe.