Tiller Money Review




Tiller Money is a personal finance management platform that helps users track, analyze, and optimize their spending and budgeting habits. It has features like automatic transaction tracking, customizable budgeting templates, and integrations with banks and credit cards to help users take control of their finances.

It's good to be financially literate and if you already know this, chances are that you have used spreadsheets in a bid to keep track of your money. While that is commendable, you may want to up your spreadsheet game to the next level.

Well, the Tiller Money App could be what you are looking for. Is it a good fit for you? You have to read on to find out, don't you?

An Overview of Tiller Money

tiller money homepage

Tiller Money is a financial app that allows you to manage your finances in spreadsheets that are updated automatically daily. The app offers tools that enable you to manage your investments, track your net worth, and even come up with budgets effortlessly.

The best part is that the app is user-friendly and flexible making it ideal even for first-time users.

How It Works

tiller money how it works

Essentially, the Tiller Money app links to your bank accounts. With that, it then automatically displays your transactions on a Google Sheet. You will love this because you are not required to do any data entry.

In the Tiller app, you get in-built spreadsheet templates but if you so wish, you can create your own and as we have already mentioned, the app updates your transactions daily so you will always have updated information about your finances.

Now, when creating a budget sheet, you get to customize your expense and income categories as well as pick a time frame whether quarterly, monthly, or weekly. One of the things most people like about the Tiller app is that it doesn't require you to memorize any formulas. Instead, you will receive daily alerts with information about your bank balances and transactions.

What's more, the app can link up to 10, 000 financial institutions and banks. Surely, that is more than the average person can have. Anyway, in case your bank is not on Tiller's list, you can reach out to their support team so that they can add it.

Another thing about Tiller is that it offers more than just tracking your finances. It can also help with debt paying. What do we mean by that? You see, Tiller comes with a debt spreadsheet that helps you track your debts and utilizes the debt snowball technique as each debt is paid off.

For you to get started with the app, you will need a Gmail account from Google. You will get a 30-day free trial and after that, you will be charged $79 annually. That said; college students can use the app for free for a year as long as they provide proof of enrollment.

What it Entails

Once you pay to use the Tiller app, here is what you will access.

Google Sheet Add-ons

With Tiller, there are two key Google Sheets add-ons that you will have to use. Let us get right into that, shall we?

Tiller Money Feeds

The Money Feeds add-on provides you with the tools you need to link your bank accounts to each spreadsheet as it gets added as part of the process when using the template. It comes with AutoCat, a feature that enables you to categorize expenses and income automatically based on the description of transactions.

Tiller Money Labs

With the Money Labs add-on, you get extra tools that you will find extremely useful as it gives you access to several resourceful tools like:

  • Split transactions – Just as the name implies, this tool will help you split transactions across different categories.
  • Debt planner – Again, just as the name suggests, this tool offers you a way to create and manage your debts so that you can achieve financial freedom.
  • Bill payment tracker – This tool, is supposed to keep you in the know about impending bills so that you have no unpleasant surprises.
  • Net worth dashboard – This is a template that focuses on your account balances and how they fluctuate over time. It comes with a trends table and net worth chart that allows for a comparison of your net worth.

Of course, there are many other tools that we will not be able to cover here, but you can expect something like a retirement planner that approximates the value of your investments in the future so that you can have a seamless retirement.

Tiller Money Features

tiller money features

Here are the features you will get with the Tiller Money app.

1. Classification

As soon as your sources of finance are linked to the app, you can classify the transactions or set up the app to do it for you.  Whether you decide to do it on your own or not will depend on how much you want to be involved in managing your finances or how much you are willing to do. Tiller does come with an ad-on that allows you to split a single transaction into several categories.

For instance, if you purchase house furnishings and groceries simultaneously, you can easily split them into different categories. The best part is that the AutoCat add-on will classify your transactions as they come in if you do not want to do it yourself. This feature is helpful in that, it enables you to put in place your own rules for categories particularly with recurring expenses.

2. Customized Sheets

The Tiller app is supposed to make financial management easy for you but if you prefer to make your own Google or Excel spreadsheet, the platform allows it. You can do anything from personalizing your categories to creating your financial reports and templates. Simply play around with it until you find something that suits you.

3. Net Worth and Budget Templates

In the Tiller app, you will get an assortment of Google and Excel Sheet templates to meet your different financial tracking needs. You get free templates for weekly expense tracking, net worth tracking, debt payoff, and budgeting among others.

4. Daily Emails

You will get daily emails from Tiller regarding your transactions from linked accounts. This is a great way to stay updated on your account balances and spending every day without putting in too much effort.

5. Security

Just like your credit union or bank, your information on the Tiller Money app is fully encrypted. Besides, only you can see whatever is in your sheets unless you decide to share that information. The app's access to your checking and savings accounts as well as your spending is limited to read-only. That means that even the employees at Tiller cannot see your financial information.

6. Shareability

Some people share accounts with their spouses or even business partners and if you are one such person, you get to share your financial details with Tiller Money. The best part is that you get to decide what information you would like to share and how you want to share.

That means that you can control whether or not your partner should edit your budget spreadsheet, net worth tracker, or other transactions. You can also decide the amount of time you want them to have access to the information you are sharing.

7. Tutorials

On the Tiller Money platform, you will get a sequence of tutorials that are supposed to take you through the setup procedure. Aside from that, the Tiller Money website also has articles on how to use its sheets and templates.

What's more, Tiller Money has a customer care team in place to answer any queries you may have.

8. Versatility

Versatility here is in terms of where you can access Tiller Money. You will be pleased to learn that you can access it from your phone through your Google app. With that, you can check your transactions and manage your finances from anywhere.

9. Community

Once you decide to pay for the Tiller Money membership, you get access to a community where other users and the platform's team seek and share input, tips, and inspiration on using the Tiller system.

Why Use Tiller Money?

At this point, you are probably wondering why you should opt to use Tiller Money and not any other similar tool. Well, the secret lies in its flexibility and simplicity. With its spreadsheets, Tiller Money will help you manage your finances effortlessly.

Moreover, you will find it extremely easy to use the tool even if you are not familiar with budgeting software or spreadsheets. That is because you get tutorials with the app. Another thing about the platform is that it allows you to rename, delete, and ass transaction categories so that you can create a customized budgeting system.

As if that is not enough, you get security and privacy which is a great thing when dealing with finances. Finally, you get access to a committed support team that is always ready to address your queries and offer any help regarding the platform.

We feel that these are reasons enough to convince you that Tiller Money is the right tool to help you manage your finances.

About the Creator

Peter Polson

The CEO and founder of Tiller Money is a man named Peter Polson. He launched the company in 2014 and up until now, it is the only service available that links daily transactions with Google Sheets. It helps you create your spreadsheet which is automatically updated whenever you transact using your cards. This helps you track your money and ultimately meet your financial goals.

Because of that, Tiller Money is designed for individuals who want to be more hands-on when it comes to their finances.

Is It Safe?

One thing you need to keep in mind is that the Tiller Money app requires you to provide most of your personal information seeing as you need to link both your Google and bank accounts. It is, therefore, safe to say that the platform will have access to your entire life.

Through the Yodlee platform that gathers data from financial institutions and combines it, Tiller accesses about 21,000 different banks. You will not come across any ads on the platform simply because it charges a fee. This is good because then you know that it doesn't sell your information to advertisers.

Generally, the platform is safe to use but since it has access to your personal information, you can go the extra mile by turning on Google's two-factor authentication.


One of the biggest selling points when it comes to Tiller Money is that it offers a 30-day free trial. After that period, you will have to pay $79 annually if you want to continue using the platform. That translates to less than $7 monthly.


  • You get to split your expenses even though the platform automatically updates your data
  • It offers a discount for college students
  • The platform comes with in-built templates
  • You remain up to date with daily emails
  • The platform automatically updates your transaction
  • It is user-friendly and flexible
  • It comes with a 30-day free trial period


  • You must have a Google account to use the platform
  • The platform is not always intuitive which may be problematic for beginners
  • You do not get investment tools with the platform


Having analyzed Tiller Money, we can confidently say that it is among the best budgeting tools in the market presently. The platform gives you the simplicity, flexibility, and power of a spreadsheet along with the templates and tools to compete with the top budgeting apps in the market today.

Simply put, Tiller Money is a useful tool for understanding your spending habits, monitoring your saving goals, creating financial plans, and much more. In that regard, we would recommend it to anyone interested in tracking their finances and making smart financial plans.