Tiller

Tiller pulls transactions directly into Google Sheets or Excel, letting you build and customize budgets in the spreadsheet tools you already know. Instead of learning new software, you work in familiar templates that track spending exactly the way you want. The included zero-based template assigns every dollar of income to a category before you spend it, turning budgeting into an intentional exercise.

This approach appeals to people who want spreadsheet transparency and control without manual transaction entry. You keep full custody of your data and budget design, making it easy to tweak formulas, add categories, or restructure your plan whenever your needs change.