Tiller Money
YNAB
| Feature | Tiller Money | YNAB |
|---|---|---|
| Pricing | From $79/mo | From $14.99/mo |
| Free Plan | ✗ No | ✗ No |
| Rating | 4.3 / 5 | 4.6 / 5 |
| Best For | spreadsheet-users, power-users, freelancers, accountants | individuals, couples, debt-payoff, budget-beginners |
| Founded | 2016 | 2004 |
| Bank Sync | ✓ | ✓ |
| Google Sheets | ✓ | ✗ |
| Excel | ✓ | ✗ |
| Auto Categorization | ✓ | ✗ |
| Templates | ✓ | ✗ |
| Reports | ✓ | ✓ |
| Daily Email Digest | ✓ | ✗ |
| Budgeting | ✗ | ✓ |
| Goals | ✗ | ✓ |
| Mobile App | ✗ | ✓ |
| Education | ✗ | ✓ |
✓ 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
✓ YNAB Pros
- Powerful budgeting method
- Bank sync
- Goal tracking
- Educational resources
✗ YNAB Cons
- No free plan
- Learning curve
- Pricey for casual users
The Verdict
Tiller Money is built for spreadsheet users and power users, with a focus on bank-sync and google-sheets. YNAB targets individuals and couples and leads with budgeting and bank-sync.
On pricing, YNAB is the clear winner for budget-conscious users — starting at $14.99/mo compared to $79/mo for Tiller Money. That $64.01/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.
Feature-wise, Tiller Money offers broader built-in capabilities (7 features vs 6), while YNAB takes a more focused approach — which can mean a simpler, faster onboarding experience.
Bottom line: YNAB has a slight overall edge — but if unmatched customization via spreadsheets matters most to you, Tiller Money may still be the right call.
