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Personal Finance · head to head

Copilot Money vs Tiller Money

Copilot Money logo

Copilot Money

Personal Finance

AI-powered personal finance assistant

From
Free
Rated
-
Full reviewWebsite
Tiller Money logo

Tiller Money

Personal Finance

Spreadsheet-based personal finance

From
$79/year
Rated
-
Full reviewWebsite

The short version

  • Only Copilot Money has a free tier, so it costs nothing to try first.
  • Each has a real cost: Copilot Money apple only: web, iPhone, iPad and Mac, with no Android app; Tiller Money no native mobile app means mobile access limited to Google Sheets or Excel apps
  • They diverge on capability: Copilot Money covers AI-powered insights, Tiller Money covers Auto-populates financial data.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Copilot Money and Tiller Money actually diverge.

Attributes where Copilot Money and Tiller Money differ
AttributeCopilot MoneyTiller Money
Starting priceFree$79/year
Pricing modelsubscriptionUnknown
Free tierYesNo
PlatformsWeb, IOS, AndroidWeb, Google Sheets, Microsoft Excel
Founded20202015

Identical on both: user rating (Not yet rated), category (Personal Finance).

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 Copilot Money

  • AI-powered insights
  • Spending analysis
  • Budget optimization
  • Financial planning
  • Credit cards
  • IOS support
  • Android support

Only in Tiller Money

  • Auto-populates financial data
  • Customizable spreadsheets
  • Budget tracking
  • Financial templates
  • Google Sheets
  • Excel

Both cover

  • Bank accounts
  • Web support

What people use each for

The jobs each tool is most often brought in to do.

Copilot Money

  • Tracking spending across connected accountsnot Tiller Money
  • Budgeting by category with automatic transaction taggingnot Tiller Money
  • Investment and net worth trackingnot Tiller Money
  • Reviewing recurring subscriptionsnot Tiller Money

Tiller Money

  • Budget Managementnot Copilot Money
  • Expense Trackingnot Copilot Money
  • Investment Trackingnot Copilot Money

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Copilot Money

  • Apple only: web, iPhone, iPad and Mac, with no Android app
  • No free tier; $95 a year billed annually, which works out at $7.92 a month
  • The trial only starts once accounts are connected

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

Copilot Money

Free
  • Free TrialFree
    • No credit card required
    • Limited access to test the app
  • Paid Subscription$95/year
    • No ads
    • No hidden fees
    • Private data handling

Tiller Money

$79/year
  • Annual Subscription$79/year
    • Unlimited transaction import
    • Up to 5 connected spreadsheets
    • AutoCat categorization

Which should you pick?

Choose Copilot Money if

  • You need ai-powered insights.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want spending analysis.
Copilot Money review

Choose Tiller Money if

  • You need auto-populates financial data.
  • You work on Web, Google Sheets, Microsoft Excel.
  • You also want customizable spreadsheets.
Tiller Money review

Questions people ask

Is Copilot Money or Tiller Money better?
Neither clearly leads. Copilot Money starts at Free and Tiller Money at $79/year, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Copilot Money or Tiller Money?
Copilot Money has a free tier; the other does not. Paid plans start at Free for Copilot Money and $79/year for Tiller Money.
Does Copilot Money or Tiller Money run on more platforms?
Copilot Money runs on Web, IOS, Android. Tiller Money runs on Web, Google Sheets, Microsoft Excel.
Can I use Copilot Money for free?
Yes. Copilot Money has a free tier, so you can try it without paying. Tiller Money starts at $79/year.
What is Copilot Money best used for?
Copilot Money is most often used for tracking spending across connected accounts, budgeting by category with automatic transaction tagging, investment and net worth tracking, reviewing recurring subscriptions. Of those, tracking spending across connected accounts and budgeting by category with automatic transaction tagging are not what Tiller Money is typically brought in for.
What can Copilot Money do that Tiller Money cannot?
Copilot Money covers AI-powered insights, Spending analysis, Budget optimization, Financial planning. Tiller Money covers Auto-populates financial data, Customizable spreadsheets, Budget tracking, Financial templates. Both handle Bank accounts, Web support.

Answered from the vendors’ own pages

Copilot Money: How much does Copilot Money cost?

Copilot Money costs $95 per year when billed annually, which equals $7.92 per month. A free trial is available with no credit card required. A monthly subscription option exists but the specific monthly price is not listed on the website.

Source
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.

Source
Copilot Money: Does Copilot Money have any hidden fees?

No, Copilot Money explicitly states there are no ads, no hidden fees, and your data stays private with the company focused on building the product.

Source
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.

Source
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.

Source
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.'

Source
Tiller 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.

Source
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