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Tiller offers greater flexibility and more tools for planning and forecasting vs YNAB

See all your finances in one place, confidently plan your financial future, and easily manage your money, your way

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“Easiest way to save thousands”

“Intuitive to use”

“Spreadsheets + money = sense of control”

“Helps you make spending decisions”

“Best way to budget without going insane”

“Takes spreadsheets to a whole other level”

Why You’ll Love Tiller

Like YNAB, Tiller automatically imports all your daily spending and balances into one dashboard. But only Tiller aggregates everything into your Google or Microsoft spreadsheets, with easy templates for tracking budgets, expenses, net worth, debt payoff, and more. And because Tiller is based on flexible spreadsheets, you can easily customize everything, analyze trends, and forecast your financial future.

Top reasons people prefer Tiller over YNAB

Familiar, simple interface

YNAB requires a steep learning curve. But if you’ve ever edited a spreadsheet, you already know how to use Tiller.

Use any budgeting style

While YNAB is designed exclusively for zero-based budgeting, Tiller supports any budgeting approach.

Go beyond budgeting

Unlike YNAB, Tiller isn’t solely focused on budgeting. Analyze trends, track net worth, and plan your financial future.

Advanced planning tools

With Tiller, you can easily dig into your financial data, analyze trends, and build detailed forecasts

Powerful custom reports

Get started with Tiller’s prebuilt charts and graphs, create your own reports, or use hundreds of third-party templates

Collaboration built in

YNAB is a single-user tool, but Tiller includes all the real-time collaboration features of Google Sheets and Excel

Fully customizable categories

With Tiller you have complete control of editing and deleting all categories – as easy as editing a spreadsheet.

Ultraflexible categorization

With Tiller, only you create your auto-categorization rules, so your transactions always end up in the right place.

Lower subscription fees

YNAB costs between $99 – $179/year, while Tiller is a flat, simple $79/year (just $6.58/month) with a free 30-day trial.

woman window tiller

“I always end up using a spreadsheet anyway”

Spreadsheets are the most time-trusted tool for managing money. Tiller combines their flexibility and control with the automation of an app, making spreadsheets 10x faster for everyday (and lifelong) personal finance.

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Tiller includes top-rated customer support

Tiller’s support options include a dedicated, US-based customer success team, a helpful user Community, and extensive documentation

“On the rare occasions where I’ve needed to contact support they were prompt and helpful.”

Kusno Mudiarto

★★★★★ Google Workspace

“If I ever run into an issue, the customer service team has been amazing and extremely helpful.”

Jeremy Engman

★★★★★ Google Workspace

“The support team is responsive and respectful. The community is also a valuable resource.”

Richard Garnett

★★★★★ Google Workspace

“The couple of times I needed help, the support team was fast, professional, and solved my problems.”

Susan

★★★★★ Google Workspace

woman window tiller

“I always end up using a spreadsheet anyway”

Spreadsheets are the most time-trusted tool for managing money. Tiller combines their flexibility and control with the automation of an app, making spreadsheets 10x faster for everyday (and lifelong) personal finance.

Try Tiller Free

Tiller is the easiest way to manage your financial life with the flexibility, privacy, and control of a spreadsheet.

That’s because Tiller automatically imports all your daily spending, income, debts, and account balances directly into Google Sheets and Microsoft Excel. No more data entry, CSV files, or logging into multiple accounts.

Prebuilt templates help you budget, analyze trends, and confidently plan your financial future. Track all your accounts in one place with everything customizable, strict privacy, and no ads.

Use Tiller’s automated spreadsheets and daily email for awareness to always know where your money goes, control spending, save more, and optimize cash flow.

Keep financially organized with all your transactions and balances neatly updated in one place.

Analyze trends and confidently plan ahead with prebuilt budgets, templates, and reports.

Get inspired and find help when you need it with the Tiller Community and U.S-based customer support.

Because Tiller is based in spreadsheets, you can use it for nearly any financial task, from household budgeting, paying off debt, tracking expenses, planning for retirement, even running a small business.

Your annual Tiller subscription includes:

– Tiller Money Feeds for Google Sheets
– Tiller Money Feeds for Microsoft Excel
– Foundation Template for Google Sheets
– Automatic transaction categorization with AutoCat
– Daily email summarizing recent transactions and balances of all linked accounts
– U.S.-based customer support
– Tiller Community
– Dozens of free Tiller Community Solutions templates

While Tiller doesn’t currently offer a dedicated smartphone app, you can easily use the free Google Sheets app for Android or iOS or the free Microsoft Excel app for Android or Google Sheets to access your Tiller data on the go.

Tiller imports data each day from over 21,000 credit unions, banks, credit cards, mortgages, loans, brokerages, and other financial sources.

New banks are added each week. In our experience, the best way to know for certain if your account is compatible with Tiller is by testing it with a free trial. You can easily cancel if your bank isn’t supported. Learn more here.

Tiller is a flat $79/year, with no hidden fees or upgrades.

YNAB is either $99/year, or $14.99/month (the equivalent of $180/year).

Tiller currently offers an annual subscription only, starting with a completely free 30-day trial.

Tiller offers a completely free 30-day trial. Your card isn’t charged until the end of your trial. You can easily cancel anytime. Your trial subscription isn’t limited or throttled in any way. Click here to start your free trial.

YNAB encourages its users to “give every dollar a job.” This approach is commonly known as “zero-based budgeting.”

Tiller automates your daily spending, transactions, and balances into a spreadsheet to give you ultimate control over your budget. A Tiller Community Solution, called the Savings Budget, can be added on top of the out-of-the-box Foundation Template from Tiller if you prefer the envelope or zero-sum method.

It makes zero-sum budgeting in a spreadsheet easy. You can allocate unspent funds to any other category, such as “savings” or “vacation” and quickly see how much is left in your envelope. Learn more here.

Also, because Tiller is based in spreadsheets, you can also build your own automated workflow customized for any budgeting style.

Yes! Because it’s built on cloud-based spreadsheets, Tiller offers the best real-time and asynchronous collaboration features of any automated personal finance and budgeting tool.

You can easily and securely share your Tiller-powered spreadsheets. You can also restrict access at any time.

Yes! The Foundation Template includes simple quick insights visualizations. You can browse dozens of other pre-built reports, templates, and workflows in the Tiller Community Solutions gallery. And, of course, you can freely customize or build your own reports to better understand your financial data.

Tiller offers the most customizable and accurate transaction categorization of any automated personal finance service with AutoCat.

You can use AutoCat to categorize some, all, or none of your transactions, 100% based on your custom rules. Read: How Tiller Gives Your Ultimate Control of Your Budget Categories

Chris Lozac’h, 05/14/2021, Google Workspace Marketplace review: “Tiller’s AutoCat feature intelligently categorizes based on simple rules under my full control. Result? It gets it right 100% of the time, leaving a small number of transactions for me to do manually. Of course, those transactions are exactly the ones that need my attention because they fall outside my usual habits. Thanks to Tiller, I have complete control of my financial data, along with complete peace of mind.”

It’s easy to export your data transactions from YNAB and import it into a Tiller-powered spreadsheet. YNAB allows you to export your budget as CSV files. The CSV Line Item importer from Tiller Community Solutions simplifies importing and formatting your data for Tiller.

For more details, read about getting your YNAB budget into a Google spreadsheet powered by Tiller.

You keep any data you’ve imported from your banks with Tiller (or manually imported from YNAB). Your data is yours, period. You also keep any templates you’ve installed from Tiller or the Tiller Community.

You can read reviews here on Tiller’s website, or recent reviews on the Google Workspace Marketplace, where Tiller has a 4.7-star rating and over 37,510 installs.

If you strongly prefer a manual workflow, you can still use Tiller’s templates and AutoCat without connecting your banks to your spreadsheets. Some of our subscribers use it this way.

Your data is encrypted in transit and at rest with bank-grade 256-bit AES encryption. By default, neither Microsoft nor Google will see your data. Tiller only has read-only access to bank data, and cannot transfer or move money.

Your spreadsheets are private. Tiller doesn’t use or sell your financial data for targeting ads or any other purposes. Tiller works to minimize the data we collect, focusing on data essential to providing core services.

Unusual among personal finance services, no one on Tiller’s team sees your transaction data. This data remains encrypted and private externally and internally.

Tiller is a leader in open banking, an API-based approach where customers access their bank data without sharing usernames or passwords.

Tiller supports 2-Step verification via Google OAuth.

Learn more about security and privacy at Tiller.

Only Tiller brings these money management features together to help you manage your money, your way

Bank-grade encryption

Your data is protected with secure 256-bit AES encryption

No annoying ads

Tiller doesn’t run ads; we never sell your financial data to advertisers

Private by design

Tiller’s team doesn’t see your data. Tiller never sells data to third parties

Finance feeds

Tiller connects 21,000+ banks to your spreadsheets

AutoCat

Powerful auto-categorization based on your custom rules

Foundation Template

With sheets for tracking expenses, budgets, and net worth

Daily email summary

Get a morning summary of your latest spending and balances

Free community templates

Dozens of templates to customize how you track your money

Builder friendly

Build your own custom financial dashboard powered by Tiller

Custom categories

Tiller gives you complete control of your transaction categories

For Google and Microsoft

Use Google Sheets and Microsoft Excel with one Tiller subscription

Open banking

Tiller is a leader in support for secure, private open banking

Customer support

Our top-rated U.S.-based team is here to help if you need it

Helpful community

Share ideas and get inspired with Tiller’s vibrant user Community.

Helpful webinars

With Q&A help you get up to speed fast and do more with Tiller

Extensive help docs

Tiller offers an extensive, up-to-date library of help docs

Secure collaboration

Securely collaborate in real time at no extra cost

Use multiple spreadsheets

Use up to five Google and Microsoft spreadsheets with one subscription

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Keep a clear, confident view of all your money in one place, with flexible templates, powerful privacy, and top-rated support

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"There isn’t another tool on the market that does what Tiller can do.”

Will Hinton, Google Review October 30, 2023