Mint
Tiller Money
| Feature | Mint | Tiller Money |
|---|---|---|
| Pricing | Free / from $4.99/mo | From $79/mo |
| Free Plan | ✓ Yes | ✗ No |
| Rating | 4.2 / 5 | 4.3 / 5 |
| Best For | budget-beginners, individuals, college-students, families | spreadsheet-users, power-users, freelancers, accountants |
| Founded | 2006 | 2016 |
| Budget Tracking | ✓ | ✗ |
| Bill Reminders | ✓ | ✗ |
| Credit Score | ✓ | ✗ |
| Spending Insights | ✓ | ✗ |
| Goal Setting | ✓ | ✗ |
| Account Aggregation | ✓ | ✗ |
| Alerts | ✓ | ✗ |
| Bank Sync | ✗ | ✓ |
| Google Sheets | ✗ | ✓ |
| Excel | ✗ | ✓ |
| Auto Categorization | ✗ | ✓ |
| Templates | ✗ | ✓ |
| Reports | ✗ | ✓ |
| Daily Email Digest | ✗ | ✓ |
✓ Mint Pros
- Free comprehensive budgeting and tracking
- Automatic categorization of transactions
- Credit score monitoring included
- Bill tracking and payment reminders
- Syncs with thousands of financial institutions
✗ Mint Cons
- Ad-supported free tier with product recommendations
- Occasional sync issues with some banks
- Limited investment tracking 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
Mint is built for budget beginners and individuals, with a focus on budget-tracking and bill-reminders. Tiller Money targets spreadsheet users and power users and leads with bank-sync and google-sheets.
On pricing, Mint is the clear winner for budget-conscious users — starting at $4.99/mo compared to $79/mo for Tiller Money. That $74.01/mo difference adds up quickly for growing teams.
Mint 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.
