Ghostfolio
Tiller Money
| Feature | Ghostfolio | Tiller Money |
|---|---|---|
| Pricing | Free / from $5.99/mo | From $79/mo |
| Free Plan | ✓ Yes | ✗ No |
| Rating | 4.3 / 5 | 4.3 / 5 |
| Best For | privacy-focused-investors, self-hosters, passive-investors, international-portfolios | spreadsheet-users, power-users, freelancers, accountants |
| Founded | 2021 | 2016 |
| Portfolio Tracking | ✓ | ✗ |
| Performance Analysis | ✓ | ✗ |
| Allocation Views | ✓ | ✗ |
| Multi Currency | ✓ | ✗ |
| Dividends | ✓ | ✗ |
| Benchmarking | ✓ | ✗ |
| Self Hostable | ✓ | ✗ |
| Bank Sync | ✗ | ✓ |
| Google Sheets | ✗ | ✓ |
| Excel | ✗ | ✓ |
| Auto Categorization | ✗ | ✓ |
| Templates | ✗ | ✓ |
| Reports | ✗ | ✓ |
| Daily Email Digest | ✗ | ✓ |
✓ Ghostfolio Pros
- Open-source with self-hosting option
- Privacy-focused (no data selling or ads)
- Supports stocks, ETFs, crypto, commodities
- Beautiful portfolio allocation visualizations
✗ Ghostfolio Cons
- Limited broker integrations (manual entry mostly)
- Smaller community than commercial alternatives
- No tax-loss harvesting or advisor features
✓ Tiller Money Pros
- Unmatched customization via spreadsheets
- Cheaper than YNAB and Monarch Money
- Supports both Google Sheets and Excel
- Strong security with 256-bit encryption
✗ Tiller Money Cons
- No mobile app
- Steeper onboarding than typical budget apps
- Requires spreadsheet literacy
The Verdict
Ghostfolio is built for privacy focused investors and self hosters, with a focus on portfolio-tracking and performance-analysis. Tiller Money targets spreadsheet users and power users and leads with bank-sync and google-sheets.
On pricing, Ghostfolio is the clear winner for budget-conscious users — starting at $5.99/mo compared to $79/mo for Tiller Money. That $73.01/mo difference adds up quickly for growing teams.
Ghostfolio has a free plan, which gives it a meaningful edge for individuals and small teams exploring their options. Tiller Money requires a paid subscription from day one.
This is a genuinely close comparison. If you can, sign up for both free trials (where available) and run a one-week test with your actual team tasks before deciding.
