Tiller
Depends
Confidence: Medium
Tiller is a strong buy if you're comfortable in Google Sheets or Excel and want automated bank feeds with full control over your data.
Comparison
Tiller vs YNAB
Tiller and YNAB both land on Depends.
YNAB
Depends
Confidence: High
Buy if you'll commit to daily zero-based budgeting . users report saving $3,000-$5,000 a year.
| Compare | Tiller | YNAB |
|---|---|---|
| Verdict | Depends | Depends |
| Best for | Spreadsheet power users | Paycheck-to-paycheck earners |
| Who it's not for | Anyone allergic to spreadsheets . Tiller lives in Sheets/Excel | Passive, set-and-forget trackers |
| Privacy | No known public vulnerabilities found in the sources reviewed.10 | No known public vulnerabilities found in the sources reviewed; uses bank-grade encryption, two-step verification, and a vulnerability disclosure program. |
| Support quality | Users rave; some praise is self-published | Live classes, help center, active user community. |
| Public sentiment | Users love the automation and control, but grumble about the price hike and weigh it against YNAB.⁸ | Users report life-changing savings and debt payoffs but frequently complain about the price and learning curve. |
| Biggest gotcha | Annual price rose from $79 to $99/yr . existing users objected loudly.³ | Price hiked repeatedly from $50/year at launch to $109 . expect future increases. |
Pick Tiller when
- Spreadsheet power users
- Hands-on budgeters
- Financial coaches and advisors
- Mint refugees wanting data ownership
When Tiller is not a fit
- Anyone allergic to spreadsheets . Tiller lives in Sheets/Excel
- Mobile-first users wanting a polished phone app
- People who want zero-maintenance, passive tracking
- Simple spenders already fine with their bank's free tools
Pick YNAB when
- Paycheck-to-paycheck earners
- Detail-oriented budgeters
- Couples sharing one budget
- College students (free)
When YNAB is not a fit
- Passive, set-and-forget trackers
- Investors wanting portfolio tracking in-app
- Anyone unwilling to pay $109/year
- People who won't touch their budget daily
Sources
- Tiller homepagetiller.comofficial
- Tiller Pricing And Free Trialtiller.comofficial
news
- Tiller Money Review 2026: Spreadsheet-Based Budgeting . College Investorthecollegeinvestor.comreview
review
review
- Tiller Money Review and User's Guide . Rob Bergerrobberger.comreview
security
security
- Does Tiller Use Plaid? . SheetLinksheetlink.appsecurity
- Tiller Money Feeds . Google Workspace Marketplaceworkspace.google.comofficial
official
official
- YNAB Pricingynab.comofficial