Tiller

Tiller solves the one problem that keeps most people off a spreadsheet budget for good, the daily grind of copying transactions over from a bank statement. Once you connect your accounts, Tiller pulls in new transactions each morning and drops them straight into a spreadsheet template you fully control, whether that’s the basic Tiller Foundation template, a zero-based version, or one of several community-built layouts. Because the underlying file is still just a Google Sheet or Excel workbook, you can edit formulas, add tabs, or rebuild the whole thing from scratch without breaking the daily feed.

A subscription costs $79 a year, available after a free trial period, and there’s no free plan to fall back on once that trial ends. It’s built for people who already think in rows and columns and have either built their own budget spreadsheet before or wanted to, but found the manual data entry too tedious to keep up for more than a month or two.