Software · head to head
Fidelity vs Tiller Money
The short version
- Each has a real cost: Fidelity options trades carry a 0.65 USD per contract fee on top of zero commission; Tiller Money no native mobile app means mobile access limited to Google Sheets or Excel apps
- They diverge on capability: Fidelity covers Commission-free trading, Tiller Money covers Auto-populates financial data.
Where they differ
Only the attributes on which Fidelity and Tiller Money actually diverge.
| Attribute | Fidelity | Tiller Money |
|---|---|---|
| Starting price | On request | $79/year |
| Pricing model | transaction | Unknown |
| Platforms | Web, IOS, Android | Web, Google Sheets, Microsoft Excel |
| Founded | 1946 | 2015 |
Identical on both: free tier (No), user rating (Not yet rated), category (Unknown).
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 Fidelity
- Commission-free trading
- Retirement planning
- Advisory services
- Research tools
- Investment accounts
- 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.
Fidelity
- Commission free trading of US stocks and ETFsnot Tiller Money
- Holding IRAs, 401(k) plans and taxable brokerage accountsnot Tiller Money
- Trading bonds, options and mutual funds from one accountnot Tiller Money
Tiller Money
- Budget Managementnot Fidelity
- Expense Trackingnot Fidelity
- Investment Trackingnot Fidelity
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Fidelity
- Options trades carry a 0.65 USD per contract fee on top of zero commission
- Non Fidelity mutual funds carry a 49.95 USD transaction fee per purchase
- Secondary market bonds cost 1.00 USD per bond, while new issues are free
- A foreign settlement fee of 50 USD applies per trade
- Margin rates are tiered by debit balance, from 11.825 percent below 25,000 USD down to 7.50 percent at 1 million USD or more, against a base rate of 10.575 percent effective 12 December 2025
- Margin liquidation by the broker costs 32.95 USD per liquidation
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
Fidelity
On request- Brokerage$undefined/month
- Commission-free trading
- Research tools
- Advisory$undefined/month
- Personal advisor
- Wealth management
Tiller Money
$79/year- Annual Subscription$79/year
- Unlimited transaction import
- Up to 5 connected spreadsheets
- AutoCat categorization
Which should you pick?
Choose Fidelity if
- You need commission-free trading.
- You work on Web, IOS, Android.
- You also want retirement planning.
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 Fidelity or Tiller Money better?
- Neither clearly leads. Fidelity 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, Fidelity or Tiller Money?
- Fidelity starts at On request and Tiller Money at $79/year.
- Does Fidelity or Tiller Money run on more platforms?
- Fidelity runs on Web, IOS, Android. Tiller Money runs on Web, Google Sheets, Microsoft Excel.
- What is Fidelity best used for?
- Fidelity is most often used for commission free trading of us stocks and etfs, holding iras, 401(k) plans and taxable brokerage accounts, trading bonds, options and mutual funds from one account. Of those, commission free trading of us stocks and etfs and holding iras, 401(k) plans and taxable brokerage accounts are not what Tiller Money is typically brought in for.
- What can Fidelity do that Tiller Money cannot?
- Fidelity covers Commission-free trading, Retirement planning, Advisory services, Research tools. 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
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.
SourceTiller 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.
SourceTiller 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.
SourceTiller 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.
Source