Tiller is the rare budgeting tool built for people who actually like spreadsheets. Instead of locking your money into an app, it pulls your bank transactions into Google Sheets or Excel automatically every day. The catch: it's a subscription. Here's an honest look at what you get for the money, based on Tiller's published pricing and feature pages — and when a one-time template does the same job.
What Tiller Actually Does
Tiller's core feature is automated bank feeds: connect your checking, credit card, and investment accounts, and new transactions land in a spreadsheet each day without manual entry. It ships with a Foundation Template for budgeting and net-worth tracking, an AutoCat tool that categorizes transactions using rules you define, and a daily email summarizing balances. It works in both Google Sheets and Excel, and there's a 30-day free trial (tiller.com/pricing).
Tiller Pricing in 2026
As of this writing, Tiller costs $99 per year — about $8.25 a month — after the free trial, following a 2026 increase from its long-standing $79. There's no free tier and no monthly plan. That's cheaper than YNAB, but it compounds: three years of Tiller is $297, five years is $495. If you're weighing it against other subscription tools, our YNAB vs. Monarch vs. spreadsheet comparison breaks down the same math.
Who Tiller Is Right For
Tiller makes sense if you have many accounts and the manual entry is what kills your budgeting habit. If you've abandoned spreadsheets before because typing in 200 transactions a month got old by February, automated feeds genuinely remove that friction. It's also one of the only tools that gives you automation and full spreadsheet control — you can edit formulas, add tabs, and build anything on top of your data.
When a One-Time Spreadsheet Makes More Sense
If your finances run through one or two accounts, updating a budget takes about ten minutes a week — and paying $99 every year to avoid that is a hard sell. A one-time template also means you never link bank credentials to a third-party aggregator, which some people simply prefer. Our 2026 Budget Dashboard is $12 once — not per year — and auto-calculates your category totals, monthly overview, and savings rate in Excel or Google Sheets. Want to test the manual habit first? The One-Page Budget Starter is free. Through August 15, 2026, code LAUNCH20 works on any paid template at checkout.
The Verdict
Tiller is one of the best options in the subscription category because it respects the spreadsheet instead of replacing it. Pay for it if automated bank feeds are the difference between budgeting and not budgeting. Skip it if your setup is simple: a $12 one-time template gets you the same clarity, and the $99 you save every year can go straight into savings.