Tiller Money
Wise
| Feature | Tiller Money | Wise |
|---|---|---|
| Pricing | From $79/mo | Free / from $0/mo |
| Free Plan | ✗ No | ✓ Yes |
| Rating | 4.3 / 5 | 4.6 / 5 |
| Best For | spreadsheet-users, power-users, freelancers, accountants | digital-nomads, freelancers, international-businesses, expats |
| Founded | 2016 | 2011 |
| Bank Sync | ✓ | ✗ |
| Google Sheets | ✓ | ✗ |
| Excel | ✓ | ✗ |
| Auto Categorization | ✓ | ✗ |
| Templates | ✓ | ✗ |
| Reports | ✓ | ✗ |
| Daily Email Digest | ✓ | ✗ |
| Multi Currency Account | ✗ | ✓ |
| International Transfers | ✗ | ✓ |
| Debit Card | ✗ | ✓ |
| Batch Payments | ✗ | ✓ |
| Api Access | ✗ | ✓ |
| Direct Debits | ✗ | ✓ |
| Business Tools | ✗ | ✓ |
✓ 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
✓ Wise Pros
- Transparent fees with real mid-market exchange rates
- Multi-currency account holds 40+ currencies
- Debit card for spending abroad with no markups
- Fast international transfers (often same day)
- Business accounts with batch payments and API
✗ Wise Cons
- Not a full bank (limited banking features)
- Some currency routes slower than others
- Large transfers may require additional verification
The Verdict
Tiller Money is built for spreadsheet users and power users, with a focus on bank-sync and google-sheets. Wise targets digital nomads and freelancers and leads with multi-currency-account and international-transfers.
On pricing, Wise is the clear winner for budget-conscious users — starting at $0/mo compared to $79/mo for Tiller Money. That $79/mo difference adds up quickly for growing teams.
Wise 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.
Both tools are a solid fit for freelancers — in those cases, the decision often comes down to workflow style and how your team prefers to organize work.
Bottom line: Wise has a slight overall edge — but if unmatched customization via spreadsheets matters most to you, Tiller Money may still be the right call.
