Tiller

Spreadsheet Budgeting With Automatic Daily Bank Syncing

Tiller is an automated personal finance service for Google Sheets and Microsoft Excel. Founded over a decade ago and led by founder Peter Polson, Tiller is the only automated feed of daily spending, income, debt, and balances available for spreadsheets. You connect your banks once, and Tiller feeds your transactions into a spreadsheet template you own and control. The spreadsheet lives in your Google Drive or your local computer, not on a Tiller server. After a 30-day free trial, Tiller costs $99 per year. Your card is not charged until the trial ends, and you can cancel anytime.

The company is venture-capital free and funded exclusively by customer subscriptions. That means Tiller does not sell your data to advertisers or third parties, does not show ads, and your transactions and balances are not statistically aggregated or shared. The site emphasizes that customers are not the product. Tiller publishes a 12-point security and privacy promise, including commitments that the company does not make money selling data or running ads, your financial data is held in your private spreadsheets under your control, and their privacy policy is public.

Tiller users employ the service for budgeting, debt payoff, expense tracking, investment and net-worth analysis, shared finance management, and even running small businesses. The company offers a Foundation Template as the core budgeting tool, plus specialized templates for debt snowball payoff. The site features a blog post titled "6 Best Free Debt Snowball Spreadsheets for 2026" that walks through the debt snowball method, how it works, and how to use Tiller's own debt-snowball template as part of a structured payoff strategy.

Daily Automatic Bank Syncing, No Credentials Required

Tiller connects to your banks and feeds your daily transactions directly into your spreadsheet, which is the core distinction from manual-entry spreadsheet tools. You link your accounts once, then Tiller automatically updates your spending, income, debt, and balances each day. All your transactions flow into a unified Transactions Sheet, and Tiller categorizes them using its AutoCat feature, which learns your patterns and applies categories automatically.

The site states that Tiller is "10X faster than manual spreadsheets," referring to the speed gain of automatic daily updates over downloading and importing CSVs by hand. Tiller does not store your credentials or maintain a persistent login to your banks. The company notes that your transactions and balances stay in your spreadsheets, not on Tiller's servers. You own the spreadsheet, and Tiller simply feeds the data into it.

For users who switch from other platforms like Mint, Tiller positions itself as the alternative that keeps your data in spreadsheets you control rather than a proprietary app. Shared finance management is supported: you can add a partner or family member to your spreadsheet using standard Google Sheets or Excel sharing features.

Tiller does not publish details about which banks or institutions it supports via its connection, whether Plaid powers the integration, how long the initial setup takes, or what happens if a connection breaks mid-month. The site does not disclose a comprehensive list of compatible institutions or whether all US banks and credit unions are supported. These details are important for assessing whether your own financial institutions are reachable, and the captured pages do not provide them.

Five Flexible Reports and Customizable Templates

Tiller includes five interactive reports: Spending Visual, Trends, Income vs. Expense, Budget vs. Actual, and Money Flow. Spending Visual breaks down spending by category and group so you can see where your money goes each month. Trends shows how spending in any category changes over time, letting you catch creeping expenses before they grow large. Income vs. Expense compares what you earned against what you spent month by month, spotting surplus or shortfall at a glance. Budget vs. Actual shows your monthly category targets against actual spending, and you can open the transactions behind an over-target month to see the details. Money Flow follows external income through your accounts into spending groups using an interactive flow diagram.

The Foundation Template is the core budgeting spreadsheet, which you can use as-is or customize extensively. The site mentions that Tiller lets you use the template as-is and keep it simple, or customize an endless variety of options. The AutoCat feature (AutoCategory) is mentioned as a major upgrade to bank connections, though the captured page does not detail what it changed or whether it is separate from the base product.

Tiller also publishes content about using AI with spreadsheets, Microsoft Excel strategy, and building custom reports and dashboards. The site offers a Builder's Guide to help users create custom reports safely. However, the captured pricing page and homepage do not specify which features are included in the base $99/year plan and which (if any) are paid add-ons.

Pricing: $99 Per Year After a 30-Day Free Trial

Tiller is $99 per year, billed annually, with no ads or hidden fees. A 30-day free trial is available. Your payment card is not charged until the trial period ends, and you can cancel anytime. If Tiller is not helping you feel more confident about your money, you can contact support for a full refund, though the site does not specify a refund window or whether you must request it within a certain timeframe after purchase.

The pricing page does not disclose what the free trial includes, whether you can downgrade from an annual plan to a lower tier, whether there are any limits on the number of accounts, spreadsheets, or historical transactions you can import, or whether Tiller charges extra for customer support. It also does not state whether the Foundation Template, AutoCat, or the five reports are all included in the $99 price, or whether any features are reserved for premium tiers. Sales tax will be added after the trial ends if required in your state. The site does not explain whether you pay once at signup or whether the annual subscription auto-renews.

Who Tiller Fits and Who It Doesn't

Tiller is built for spreadsheet users who want daily bank syncing without learning a proprietary app. If you already use Google Sheets or Excel, you will recognize the interface. If you want to build custom reports or modify your budget layout, Tiller gives you spreadsheet flexibility. If you are concerned about a company selling your financial data or running ads, Tiller's non-venture-backed model and explicit privacy promise address that concern. If you want to see all your accounts synced automatically each day without downloading and importing CSVs, Tiller handles that.

Tiller is not a fit if you want a mobile-first budget app or if you need budget access on your phone as your primary interface. A spreadsheet is not a phone-optimized experience, and the site does not mention a dedicated mobile app. If you need your budget to be completely offline with zero internet transmission of your financial data, Tiller syncs to the cloud, so your bank connections and daily updates travel over the internet. If your financial institution is not supported by Tiller's bank connections, you fall back to manual CSV import, which eliminates the automatic-daily-update advantage. If you want a fixed, simple budget that you do not customize, a dedicated app might feel faster. If you need bank-grade security features like SOC 2 certification, the captured pages do not advertise them.