Tool profile
Tiller: cost, fit and limits
Tiller is a spreadsheet-based money tool that feeds bank transactions into a Google Sheet and offers a Foundation Template and AutoCat categorization for individuals who prefer to budget in sheets they control rather than in an app.
What to know first
Tiller's pricing page shows one price, $99 per year, billed after a 30 day free trial, with a further 30 days of full refund. Plan names are not published. The page lists Foundation Template, Automatic Bank Connections, AutoCat, Hello, Money and Private by Design without describing each. The site links an AI and Tiller page that was not opened for this review.
Tiller at a glance
| Maker | Not stated on the vendor pages, Not stated on the vendor pages |
|---|---|
| Free plan | Free trial only |
| Entry price | $99 per year |
| API access | No |
| Category | Best AI Personal Finance Apps in 2026, rank 9 of 11 |
| Website | tiller.com |
Who Tiller is best for
Spreadsheet natives
Data lands in a Google Sheet, so formulas, pivot tables and charts stay in your own file, which suits people who already live in spreadsheets and want to design their own reports.
Template users
Foundation Template gives a starting layout for a spreadsheet-based budget, so you do not need to build every tab and formula from nothing before the first month of data arrives.
Careful buyers
A 30 day trial plus 30 days of full refund gives two months to decide, which is a longer decision window than most apps in this category state on their pages.
Tiller plans and pricing
| Plan | Price | What it includes |
|---|---|---|
| Tiller (plan name not published) | $99 per year | Foundation Template, Automatic Bank Connections, AutoCat, Hello, Money and Private by Design are listed without any description of each |
| Free trial | 30 days | Billed yearly after the trial; the page says sales tax may be added and names no currency beyond a dollar sign |
| Refund window | 30 further days | A full refund is offered for an extra 30 days after the trial period, which gives roughly two months in total to decide |
Checked November 2026.
What Tiller does
- Automatic Bank Connections
- Pulls bank transactions into the sheet automatically, so you do not have to type them in. The bank data provider named in the privacy policy is Yodlee.
- AutoCat
- Sorts transactions into categories automatically. The page names it only and does not describe how it works or whether it learns from corrections, and it does not call it AI.
- Foundation Template
- A ready budget layout built in a spreadsheet, intended as a starting structure that you then edit to match your own categories and reporting needs.
- Google Sheets delivery
- Data flows into a Google Sheet, per the privacy policy, so the transactions live in a file under your own Google account where you can copy or back them up.
- Private by Design
- A page heading on the pricing page with no detail given, so the privacy policy is the only place to read what the vendor actually commits to about handling data.
How Tiller handles your data
Tiller's privacy policy says that on cancellation, personal financial and transaction data is deleted, while some account data and communications may be kept. Servers are in the United States and other countries, per the policy. It does not mention AI training and names no certifications. Data placed in a Google Sheet follows Google's policies. The policy names Yodlee as the bank data provider and is marked updated May 2019.
Where Tiller falls short in practice
- Single unnamed plan. Only one paid price is shown and no plan names are published, so there is no way to compare tiers or see what a cheaper or richer option would include.
- Old policy date. The privacy policy is marked updated in May 2019 by the vendor, so its statements about providers and storage may not match the current service and should be confirmed.
- Build it yourself. Budgeting happens in your sheet, so there is no built-in assistant and little guidance, and a user who wants charts and a phone app out of the box will find it bare.
Works with
Alternatives to Tiller
Tiller: common questions
What does Tiller cost?
The pricing page shows $99 per year, billed after a 30 day free trial, with a further 30 days of full refund. Sales tax may be added, and the currency is not named beyond a dollar sign. No plan names are published, so there is a single paid option to consider.
Does Tiller work without Google Sheets?
The pages opened describe delivery into a Google Sheet, and the privacy policy says data flows there. No other destination is described, so a Google account appears to be required, and users who avoid Google services should look at Lunch Money or YNAB instead.
Does Tiller use AI?
None is described as AI. AutoCat categorization is listed by name only, and the site links an AI and Tiller page that was not opened, so no AI claim is made here. Read that page directly if you want to know what the vendor says about AI.
What happens to my data if I cancel Tiller?
The privacy policy says personal financial and transaction data is deleted on cancel, while some account data and communications may be kept. Data already in your Google Sheet stays under your own Google account and follows Google's policies, so you keep your history.
Which bank data provider does Tiller use?
The privacy policy names Yodlee as the bank data provider. The policy is marked updated in May 2019, so the current provider and terms should be confirmed with Tiller before you link accounts, since providers and their terms change over several years.