Tiller Money
Xero
| Feature | Tiller Money | Xero |
|---|---|---|
| Pricing | From $79/mo | From $25/mo |
| Free Plan | ✗ No | ✗ No |
| Rating | 4.3 / 5 | 4.4 / 5 |
| Best For | spreadsheet-users, power-users, freelancers, accountants | small-businesses, accountants, international-companies, uk-businesses |
| Founded | 2016 | 2006 |
| Bank Sync | ✓ | ✗ |
| Google Sheets | ✓ | ✗ |
| Excel | ✓ | ✗ |
| Auto Categorization | ✓ | ✗ |
| Templates | ✓ | ✗ |
| Reports | ✓ | ✗ |
| Daily Email Digest | ✓ | ✗ |
| Invoicing | ✗ | ✓ |
| Bank Reconciliation | ✗ | ✓ |
| Reporting | ✗ | ✓ |
| Payroll Addon | ✗ | ✓ |
| Projects | ✗ | ✓ |
| Expenses | ✗ | ✓ |
| Multi Currency | ✗ | ✓ |
✓ 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
✓ Xero Pros
- Beautiful, modern interface
- Unlimited users on all plans
- Strong in UK, Australia, NZ markets
- Excellent bank reconciliation
✗ Xero Cons
- Fewer integrations than QuickBooks in US
- Payroll is a paid add-on
- Inventory management is basic
The Verdict
Tiller Money is built for spreadsheet users and power users, with a focus on bank-sync and google-sheets. Xero targets small businesses and accountants and leads with invoicing and bank-reconciliation.
On pricing, Xero is the clear winner for budget-conscious users — starting at $25/mo compared to $79/mo for Tiller Money. That $54/mo difference adds up quickly for growing teams.
Neither tool offers a free plan, so factor the subscription cost into your decision from the start.
Both tools are a solid fit for accountants — in those cases, the decision often comes down to workflow style and how your team prefers to organize work.
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.
