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Tiller Money
Hidden Gem

Curated by Surfaced Editorial·Finance·3 min read
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Tiller Money is a service that automatically imports your financial data (transactions, balances) into customizable Google Sheets or Microsoft Excel spreadsheets. It specializes in bridging the gap between automated bank syncing and the power of spreadsheet-based budgeting, offering templates for various financial tracking needs. The primary user is someone who loves the flexibility and control of spreadsheets but wants to avoid the tedious manual data entry typically associated with them. Users open Tiller Money's spreadsheet daily or weekly to categorize transactions, build custom reports, and analyze their financial health using familiar spreadsheet formulas and charts. Tiller integrates with over 10,000 U.S. and Canadian financial institutions through Yodlee and Plaid, pushing data directly into Google Sheets or Microsoft Excel.

Why It’s Useful

Tiller Money provides a powerful alternative to traditional budgeting apps like Mint or YNAB by combining bank automation with the complete customization of a spreadsheet, surpassing limitations of fixed interfaces. For the data analyst or spreadsheet enthusiast, Tiller transforms personal finance into a dynamic data set, allowing for unparalleled custom reporting, scenario planning, and pivot table analysis. A small business owner might use Tiller to track both personal and business expenses within the same spreadsheet environment, leveraging its categorization and reporting tools without needing separate software. Tiller offers a 30-day free trial, after which it costs $79/year for unlimited sheets and accounts; there is no free tier beyond the trial. Its "Foundation Template" in Google Sheets includes a powerful "AutoCat" feature that automatically categorizes transactions based on user-defined rules, a feature often discovered after initial setup. Tiller's primary challenge is educating users that it's not a standalone app but a data feed for spreadsheets, which can be a paradigm shift for those expecting a pre-built dashboard. Tiller maintains a vibrant community forum, regularly releases new spreadsheet templates and feature updates, and provides extensive documentation and support resources.

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