Accounting · head to head
Causal vs Tiller Money
Causal
Accounting
Formula-based financial planning and modelling, now sold as Lucanet xP&A
- From
- On request
- Rated
- -
The short version
- Each has a real cost: Causal causal was acquired by Lucanet on 31 October 2024 and the independent brand has been retired in favour of Lucanet xP&A, so the roadmap, support and pricing you buy are Lucanet’s and not the ones the product built its reputation on.; Tiller Money no native mobile app means mobile access limited to Google Sheets or Excel apps
- They diverge on capability: Causal covers Variable-based modelling, Tiller Money covers Auto-populates financial data.
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Causal and Tiller Money actually diverge.
| Attribute | Causal | Tiller Money |
|---|---|---|
| Starting price | On request | $79/year |
| Pricing model | quote | Unknown |
| Platforms | Web | Web, Google Sheets, Microsoft Excel |
| Category | Accounting | Personal Finance |
| Founded | Unknown | 2015 |
Identical on both: free tier (No), user rating (Not yet rated).
What each one covers
Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.
Only in Causal
- Variable-based modelling
- Dimensional breakdowns
- Scenario and range inputs
- Actuals integration
- Interactive dashboards
- Version history
- Spreadsheet import
- Workforce and headcount planning
Only in Tiller Money
- Auto-populates financial data
- Customizable spreadsheets
- Budget tracking
- Financial templates
- Bank accounts
- Google Sheets
- Excel
- Web support
What people use each for
The jobs each tool is most often brought in to do.
Causal
- A finance team whose three-statement Excel model has become too fragile to change safely before every board meetingnot Tiller Money
- A company that needs to show a range of outcomes rather than a single forecast, with uncertainty modelled directly in the driversnot Tiller Money
- A budget owner outside finance who should adjust hiring or spend assumptions and see the effect without being given edit access to the master spreadsheetnot Tiller Money
- A group already running Lucanet for consolidation and reporting that wants planning on the same platform rather than a separate toolnot Tiller Money
Tiller Money
- Budget Managementnot Causal
- Expense Trackingnot Causal
- Investment Trackingnot Causal
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Causal
- Causal was acquired by Lucanet on 31 October 2024 and the independent brand has been retired in favour of Lucanet xP&A, so the roadmap, support and pricing you buy are Lucanet’s and not the ones the product built its reputation on.
- Self-serve pricing is gone: the old causal.app pricing page now redirects to a Lucanet solution page, so what was a transparent product you could sign up for is an enterprise sales conversation with no published rate.
- The variable-based model is a genuine departure from spreadsheet thinking, so an accountant fluent in Excel must relearn how to express a model, and the team members who could previously all edit the forecast often cannot at first.
- Deep Excel compatibility is limited by design; complex existing workbooks with macros, circular references or heavy lookups do not import cleanly and have to be rebuilt, which turns a tool evaluation into a modelling project.
- Consolidation, statutory reporting and multi-entity currency handling are weaker than in dedicated corporate performance management suites, so a group with several legal entities usually needs Lucanet’s other modules alongside it, raising the real cost well past the planning tool alone.
Tiller Money
- No native mobile app means mobile access limited to Google Sheets or Excel apps
- Spreadsheet-based interface can be intimidating for non-technical users unfamiliar with formulas
- Requires manual customization and setup of templates and formulas for advanced features
- No built-in investment performance tracking or analysis at the depth some competitors offer
- Customer support is email and community-based, not real-time chat or phone support
Pricing, plan by plan
Causal
On request- Lucanet xP&A (formerly Causal)$undefined/year
- Variable-based planning models with dimensions and scenarios
- Actuals integration from accounting, CRM and warehouse sources
- Interactive dashboards for non-finance stakeholders
Tiller Money
$79/year- Annual Subscription$79/year
- Unlimited transaction import
- Up to 5 connected spreadsheets
- AutoCat categorization
Which should you pick?
Choose Causal if
- You need variable-based modelling.
- You also want dimensional breakdowns.
Choose Tiller Money if
- You need auto-populates financial data.
- You work on Web, Google Sheets, Microsoft Excel.
- You also want customizable spreadsheets.
Questions people ask
- Is Causal or Tiller Money better?
- Neither clearly leads. Causal starts at On request and Tiller Money at $79/year, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Causal or Tiller Money?
- Causal starts at On request and Tiller Money at $79/year.
- Does Causal or Tiller Money run on more platforms?
- Causal runs on Web. Tiller Money runs on Web, Google Sheets, Microsoft Excel.
- What is Causal best used for?
- Causal is most often used for a finance team whose three-statement excel model has become too fragile to change safely before every board meeting, a company that needs to show a range of outcomes rather than a single forecast, with uncertainty modelled directly in the drivers, a budget owner outside finance who should adjust hiring or spend assumptions and see the effect without being given edit access to the master spreadsheet, a group already running lucanet for consolidation and reporting that wants planning on the same platform rather than a separate tool. Of those, a finance team whose three-statement excel model has become too fragile to change safely before every board meeting and a company that needs to show a range of outcomes rather than a single forecast, with uncertainty modelled directly in the drivers are not what Tiller Money is typically brought in for.
- What can Causal do that Tiller Money cannot?
- Causal covers Variable-based modelling, Dimensional breakdowns, Scenario and range inputs, Actuals integration. Tiller Money covers Auto-populates financial data, Customizable spreadsheets, Budget tracking, Financial templates.
Answered from the vendors’ own pages
Causal: Does Causal still exist?
The product does, as Lucanet xP&A. The independent Causal brand and self-serve offering have been retired following the October 2024 acquisition.
Tiller Money: How much does Tiller Money cost?
Tiller Money costs $79 per year with no free tier. A 30-day free trial is available. The annual subscription includes 5 connected spreadsheets and unlimited categories.
SourceCausal: What does it cost now?
Nothing is published. The former pricing page redirects to Lucanet, and the product is quoted as part of the Lucanet CFO Solution Platform.
Tiller Money: Does Tiller work with Google Sheets and Excel?
Yes. Tiller automatically feeds daily bank transactions and account balances to Google Sheets or Microsoft Excel spreadsheets you own. Your data remains yours permanently.
SourceCausal: Can I import my existing Excel model?
Simple workbooks import. Models with macros, circular references or heavy lookup chains have to be rebuilt around named variables, which is the real migration cost.
Tiller Money: How many banks and financial institutions does Tiller connect to?
Tiller connects to 21,000+ US banks, credit card accounts, brokerages, and loan servicers via Yodlee and MX data providers. New banks are added weekly.
SourceCausal: Is it a replacement for a consolidation tool?
No. It plans and forecasts. Statutory consolidation and multi-entity reporting sit in Lucanet’s other modules.
Tiller Money: What is AutoCat in Tiller?
AutoCat is Tiller's 100% customizable automatic categorization feature that learns your spending patterns. You can set rules like 'file all grocery store transactions above $10 as groceries and below $10 as snacks.'
SourceTiller Money: Does Tiller have a mobile app?
Tiller does not have a dedicated mobile app. Instead, it uses Google Sheets and Excel apps on mobile devices to access your spreadsheets. Mobile access is primarily for viewing, not transaction entry.
SourceRelated pages
More on Tiller Money
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