Tiller
Tiller is a personal finance software that automatically syncs your daily spending, income, and balances into Google Sheets and Microsoft Excel to help you take full control of your money.
YNAB
YNAB is a personal budgeting software that uses a unique four-rule method to help you gain total control of your money, break the paycheck-to-paycheck cycle, and reach your financial goals.
Quick Comparison
| Feature | Tiller | YNAB |
|---|---|---|
| Website | tillermoney.com | ynab.com |
| Pricing Model | Subscription | Subscription |
| Starting Price | $6.58/month | $14.99/month |
| FREE Trial | ✓ 30 days free trial | ✓ 34 days free trial |
| Free Plan | ✘ No free plan | ✘ No free plan |
| Product Demo | ✘ No product demo | ✓ Request demo here |
| Deployment | ||
| Integrations | ||
| Target Users | ||
| Target Industries | ||
| Customer Count | 0 | 0 |
| Founded Year | 2015 | 2004 |
| Headquarters | Seattle, USA | Lehi, USA |
Overview
Tiller
Tiller gives you the flexibility of a spreadsheet with the automation of a modern financial app. Instead of manually entering every coffee or bill payment, you can automatically sync your bank transactions and balances directly into Google Sheets or Microsoft Excel. This approach lets you build a completely custom budget, track your net worth, or analyze your spending habits without the rigid constraints of traditional banking apps.
You can choose from a variety of pre-built templates or design your own unique financial dashboard from scratch. Because your data lives in your own private spreadsheet, you maintain full ownership and privacy while using powerful sorting and filtering tools. It is a hands-on solution for people who want to see exactly where their money goes and manage their financial future with total precision.
YNAB
YNAB (You Need A Budget) is a zero-based budgeting platform designed to change your relationship with money. Instead of just tracking what you've already spent, you give every dollar a job before it leaves your pocket. This proactive approach helps you plan for large expenses, adjust when life happens, and eventually stop living paycheck to paycheck by spending money you earned at least thirty days ago.
You can connect your bank accounts for automatic syncing or enter transactions manually to stay more mindful of your spending. The software works across your phone, desktop, and tablet, ensuring you always know exactly what you can afford to spend in the moment. It is built for individuals and households who want a hands-on, intentional way to manage their wealth and reduce financial stress.
Overview
Tiller Features
- Automated Data Feeds Connect your bank accounts to automatically sync transactions and balances into your spreadsheets every day.
- Foundation Template Start immediately with a comprehensive template that includes monthly budgets, yearly trackers, and net worth dashboards.
- Auto-Categorization Create custom rules to automatically categorize your spending so your budget stays organized without manual effort.
- Daily Email Digests Stay on top of your finances with a daily summary of your latest transactions and account balances sent to your inbox.
- Multi-Platform Support Manage your money wherever you feel most comfortable, whether you prefer Google Sheets or Microsoft Excel.
- Privacy-First Security Protect your financial data with bank-grade encryption and the knowledge that Tiller never sees your login credentials.
YNAB Features
- Direct Import. Connect your bank accounts to automatically sync transactions and keep your budget up to date with minimal effort.
- Real-Time Sync. Access your budget across all your devices so you and your partner always see the same numbers before spending.
- Goal Tracking. Set specific targets for savings or spending and visualize your progress with easy-to-read charts and progress bars.
- Loan Planner. Calculate the impact of extra payments on your debt to see exactly how much interest and time you can save.
- Spending Reports. Analyze your financial trends with detailed reports that show exactly where your money goes over weeks or months.
- YNAB Together. Share your subscription with up to six people to manage household finances or help family members build better habits.
Pricing Comparison
Tiller Pricing
- Automated bank feeds
- Google Sheets & Excel support
- Unlimited spreadsheets
- Customizable templates
- Daily email alerts
- Helpful community support
- Full access to all features
- Connect unlimited accounts
- Try all available templates
- Automated data syncing
- No commitment required
YNAB Pricing
- All core budgeting features
- Bank account syncing
- Real-time sync across devices
- Loan tracking tools
- Share with up to 6 people
- Live customer support
- Everything in Monthly, plus:
- Significant savings over monthly billing
- One-time annual payment of $99
- Full access to all educational resources
- Detailed financial reports
- Secure data encryption
Pros & Cons
Tiller
Pros
- Ultimate flexibility to build your own custom budget
- No advertisements or unwanted financial product pitches
- Reliable automated syncing saves hours of manual entry
- Excellent customer support and active user community
- Supports both Google Sheets and Microsoft Excel
Cons
- Requires basic knowledge of how spreadsheets work
- No native mobile app for on-the-go tracking
- Initial setup can take time for complex budgets
YNAB
Pros
- Proactive method helps users save significantly more money
- Exceptional customer support and free educational workshops
- Seamless syncing between mobile and desktop versions
- YNAB Together allows sharing with family at no cost
- No advertisements or third-party data selling
Cons
- Steeper learning curve than simple expense trackers
- Subscription price has increased over recent years
- Occasional connection issues with specific smaller banks