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Your Money, Ready for the AI You Choose

Tiller builds a unified source of truth about your money in clean, structured spreadsheets you own.

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Tiller keeps your spreadsheet current from your banks and cards, so AI assistants can answer questions about your money.

Banks & cards

Checking

xxxx0021

Credit card

xxxx2521

Savings

xxxx0001

Transactions

9/5

Herkheimer

-$9.55

9/5

Puget Sound Energy

-$110.00

9/4

Netflix

-$19.99

9/3

Stateside

-$99.01

9/2

Amtrak

-$226.69

Tiller transactions in a spreadsheet

Ask any assistant

How much have I spent so far in September?

Reading your Tiller sheet

You’ve spent $598.11 across 10 transactions since 9/1. Your largest was Amtrak at $226.69. Rental income of $950.00 came in on 9/2.

Vacation −$226.69

Utilities −$110.00

Restaurants −$99.01

Sovereignty

AI for personal finance works best from a spreadsheet you own.

Unlike apps or AI bank connections, Tiller builds a source of truth about your money in spreadsheets you own. Freely move between models without rebuilding your history, categories, and personal financial context. Get answers about your spending, analyze investments, and explore your finances with any AI you choose. Your spreadsheet stays yours, even without Tiller.

All your finances, unified in one place

Tiller keeps your finances updated and ready for AI questions and analysis.

A safe layer between your banks and AI

Point AI at your spreadsheets instead of linking banks directly.

Universal format with no data lock-in

You own the data in your spreadsheet. Take it with you wherever you go.

Tiller automatically imports your spending, transactions, and balances into spreadsheets you own and keeps everything organized by your custom categories and rules.

Choice

More ways to use AI than any app

With a Tiller spreadsheet, you can pick the best AI model for each job and work natively with chatbots, agents, coding tools, and whatever comes next.

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Official Tiller MCP for Claude

Best for: Questions, categorization, reports, and recurring analysis in Claude.

OpenAi revese

ChatGPT in Excel or Google Sheets

Best for: Analysis, formulas, reports, spreadsheet builds.

Gemini in Google Sheets

Best for: Analysis, formulas, charts, tables, and pivots.

Microsoft Copilot in Excel

Best for: Analysis, formulas, charts, trends, PivotTables.

Selective sharing

Best for: Specific questions and limited data sharing.

Claude Tiller

Ask AI questions about your money in plain language

Know where you stand, see how you got there, and decide where to go next.

“Which subscriptions and streaming services have gone up since 2024, and when did they start?”

Tiller MCP for Claude

“Why did we have about $7,000 left over in August when most months it’s closer to $1,000?”

Tiller MCP for Claude

“How has our total debt changed since January, counting mortgage, loans, and credit cards?”

Tiller MCP for Claude

Tiller MCP Claude drk 3

Build your own way to understand your money

AI can help you build dashboards and apps powered by the clean, structured data in your Tiller spreadsheets. Read: 17 projects built with AI and Tiller spreadsheets ›

“Can you build a payoff timeline for the Prius from our Toyota Financing payments, with the month we’ll be done?”

ChatGPT, Claude, Gemini in Google Sheets, or ChatGPT, Claude, Copilot in Excel.

“Can you build a bills calendar that shows each fixed bill, its usual amount, and the day of the month it posts”

ChatGPT, Claude, Gemini in Google Sheets, or ChatGPT, Claude, Copilot in Excel.

“Can you build a subscription sheet that lists each service, what it costs now, and when the price last went up?”

ChatGPT, Claude, Gemini in Google Sheets, or ChatGPT, Claude, Copilot in Excel.

Chat GPT Report

“Using AI, I no longer spend hours designing solutions from scratch. I use tools like Claude Code to define requirements and roll them out seamlessly. Tiller is a fantastic solution for anyone who wants complete control over their financial data without limitations of traditional budgeting apps.”
★★★★★ David Hom, Google Review, 10-03-26

Schedule a weekly financial briefing about your money

“Can you summarize last week and flag charges that are higher than usual or posted twice?”

ChatGPT, Claude, Gemini in Google Sheets, or ChatGPT, Claude, Copilot in Excel.

“Can each summary show what’s left in every budget category for the rest of the month?”

ChatGPT, Claude, Gemini in Google Sheets, or ChatGPT, Claude, Copilot in Excel.

“Can each summary list bills due before the 1st and whether checking covers them?”

ChatGPT, Claude, Gemini in Google Sheets, or ChatGPT, Claude, Copilot in Excel.

Tiller MCP Claude chatgpt drk

Verification

See the answer. Check the source.

AI is only as trustworthy as the source behind it. Unlike apps or MCPs, with Tiller you can verify answers directly in your spreadsheet; no export required.

verify

Performance

Engineered for both humans and AI.

Tiller spreadsheets have transformed hundreds of millions of customer transactions into a structured source of financial truth. AI efficiently reads that structure to help you understand your money and navigate your financial life.

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A Tiller Transactions sheet with standard headers, an editable Category column, Transaction Id and Account Id columns, and a Create New Rules panel assigning Netflix to Streaming.

One consistent structure for every account.

Standard headers give AI predictable fields to filter, group, and compare your financial data across institutions.

Saved edits carry your financial context forward.

Splits, notes, category changes, and added columns inform later questions and reports

Unique IDs enable reliable matching.

Stable Transaction, Account, and Balance IDs give AI references for account-level queries, and database-style joins.

Your categories tell AI what transactions mean to you.

Your category rules tell AI when a transaction is personal, reimbursable, or something else.

One consistent structure for every account. Standard headers give AI predictable fields to filter, group, and compare your financial data across institutions.

Unique IDs enable reliable matching. Stable Transaction, Account, and Balance IDs give AI references for account-level queries, and database-style joins.

Direct table queries protect context limits. Tiller’s structure lets AI query and retrieve only the exact rows it needs, reducing errors and saving token limits.

Your categories tell AI what transactions mean to you. Your category rules tell AI when a transaction is personal, reimbursable, or something else.

Dedicated balance history prevents guesswork. AI can pull historical balances from Balance History instead of calculating past balances from daily spending rows.

Saved edits carry your financial context forward. Splits, notes, category changes, and added columns inform later questions and reports

Explicit logic handles financial edge cases. Income, Expense, and Transfer labels tell AI how to process transactions, preventing transfers from being counted as new spending or income.

Separate sheets isolate raw activity from reports. Balances and Transactions are separate from budgets and dashboards so AI doesn’t confuse them with source transactions.

Spreadsheet math ensures verifiable calculations. Formulas, pivots, queries, and scripts execute directly in the sheet, letting you audit AI answers in place outside the chat.

How people are answering their money questions with Tiller and AI

“Tiller provides the structured financial data, while I use AI to help investigate unclear transactions, compare information from Tiller with bank exports, and organize receipts and warranties.” – David O., Tiller Community

“The power of Tiller is the customizations within the Google Sheets, and with AI it’s a TOTAL step change to get exactly what you want.” – Kevin B., Tiller Community

Mint Tiller AI 1

Ownership

Apps come and go. AI models change. Your spreadsheet is forever.

At Tiller, we believe you should own your source of financial truth,
with freedom to use it with any AI you choose – or none at all.

AI is optional and not required
Tiller doesn’t train AI on your data
You can share selectively with AI
You keep your data if you cancel Tiller

Tiller and AI FAQ

Yes. AI is optional. You can categorize transactions, review spending, manage budgets, track balances and net worth, and build reports without connecting an AI tool. AI Suggest, Tiller MCP for Claude, and third-party AI tools are each your choice.

Tiller is a spreadsheet-based personal finance service that launched in 2016. Tiller adds your spending, income, and balances to Google Sheets and Microsoft Excel, with prebuilt money templates and human support. The spreadsheet remains yours, even if you stop using Tiller, so you choose which AI tools to use with it.

You can use Tiller with Claude, ChatGPT, Gemini, and Microsoft Copilot, each in the spreadsheet app it supports. You can also upload a copy of your spreadsheet to any AI chat that accepts files. Plans, permissions, and capabilities depend on the spreadsheet app, the AI provider, and how you connect. See: 20 ways to use AI with your Tiller spreadsheet

Yes. Tiller has an MCP server. Tiller MCP for Claude is live in Claude’s connector directory. With Tiller MCP for Claude, Claude reads your transactions and categories in Google Sheets and answers your questions. Claude can also update transaction categories and notes after you allow the action. Claude works inside Microsoft Excel too, through Anthropic’s Excel add-in.

Yes. ChatGPT works with spreadsheets in Google Sheets and Microsoft Excel on plans from Free to Enterprise, with limited usage on Free and Go. ChatGPT can analyze your Tiller spreadsheet, explain its formulas, build trackers and budgets, and update the spreadsheet from a plain-language request. Review the changed cells before you rely on them.

Yes. Gemini works directly in Google Sheets on eligible Google plans.

Yes. Copilot works inside Microsoft Excel on eligible Microsoft 365 plans. Copilot can analyze data, generate formulas, compare trends, and build or edit spreadsheet content.

AI Suggest is an optional AutoCat feature for Google Sheets with Direct Fills. Tiller uses Gemini for AI Suggest. After AutoCat Rules and Description Match run, AI Suggest proposes categories for transactions that remain uncategorized. Review the suggested categories before you rely on them.

Your Tiller subscription covers Tiller MCP for Claude. Other AI tools follow their provider’s plans. Each setup guide lists the current requirements.

No. You can use AI with the financial information in your Tiller spreadsheet, without connecting the AI to your financial accounts. Tiller connects to the financial accounts you authorize and adds available transactions and balances to your spreadsheet. You then choose what information to share with AI.

Only with your consent. Tiller doesn’t send your transactions to an AI tool unless you turn on AI Suggest or connect Tiller MCP for Claude. Any other AI tool receives only the spreadsheet data you share. Tiller never trains AI on your data.

No. Share the accounts, dates, columns, rows, or separate file the question requires. Connection methods have different permissions, so review the access you grant before you connect a tool.

Some AI workflows can edit authorized spreadsheet content, while others only receive the data you choose to share. Tiller MCP for Claude updates transaction categories and notes, and only after you allow the action. For any other tool, review the permissions for that tool and connection method before you give edit access.

Yes. Your spreadsheet stores the transactions, categories, formulas, and other financial information behind the answer. Filter the same transactions, inspect what was included, and verify the calculation yourself.

Tiller checks your linked accounts every day and adds new transactions once they clear. Some transactions take 2 to 3 days to clear. Timing varies by bank connection. In Excel, click Fill Available Updates to add new transactions to your spreadsheet.

Your spreadsheet, transactions, categories, corrections, formulas, and reports don’t depend on one AI provider. You can use the same spreadsheet with another compatible tool, use several tools, or stop using AI.

Yes. Use sample data to test prompts, reports, and workflows without your financial data.

Microsoft Excel: Tiller Feeds Sample Data (for Excel Builders)

Google Sheets: Tiller Feeds Sample Data (for Google Builders)