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Software · head to head

Kraken vs Tiller Money

Kraken logo

Kraken

Software

Secure cryptocurrency exchange for serious traders

From
Free
Rated
-
Full reviewWebsite
Tiller Money logo

Tiller Money

Software

Spreadsheet-based personal finance

From
$79/year
Rated
-
Full reviewWebsite

The short version

  • Only Kraken has a free tier, so it costs nothing to try first.
  • Each has a real cost: Kraken restricted in 16 jurisdictions due to compliance requirements; Tiller Money no native mobile app means mobile access limited to Google Sheets or Excel apps
  • They diverge on capability: Kraken covers Spot Trading, Tiller Money covers Auto-populates financial data.

Where they differ

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

Attributes where Kraken and Tiller Money differ
AttributeKrakenTiller Money
Starting priceFree$79/year
Pricing modelfreemiumUnknown
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb, Google Sheets, Microsoft Excel
Founded20112015

Identical on both: 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 Kraken

  • Spot Trading
  • Futures Trading
  • Margin Trading
  • Staking
  • OTC Desk
  • Bank transfers
  • SWIFT
  • Plaid

Only in Tiller Money

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

Both cover

  • Web support

What people use each for

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

Kraken

  • Exchangesnot Tiller Money
  • Tradingnot Tiller Money
  • Stakingnot Tiller Money

Tiller Money

  • Budget Managementnot Kraken
  • Expense Trackingnot Kraken
  • Investment Trackingnot Kraken

Where each one falls short

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

Kraken

  • Restricted in 16 jurisdictions due to compliance requirements
  • Withdrawal processing delays due to KYC verification, blockchain confirmations, and compliance checks
  • Account restrictions triggered by scam prevention can only be lifted after 90 days
  • Margin trading limited to 5x leverage on most assets; 10x available only to eligible users

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

Kraken

Free
  • StarterFree
    • Basic trading
    • Staking
    • Instant buy
  • ProFree
    • Advanced trading
    • Margin trading
    • Futures

Tiller Money

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

Which should you pick?

Choose Kraken if

  • You need spot trading.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want futures trading.
Kraken 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 Kraken or Tiller Money better?
Neither clearly leads. Kraken 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, Kraken or Tiller Money?
Kraken has a free tier; the other does not. Paid plans start at Free for Kraken and $79/year for Tiller Money.
Does Kraken or Tiller Money run on more platforms?
Kraken runs on Web, Ios, Android. Tiller Money runs on Web, Google Sheets, Microsoft Excel.
Can I use Kraken for free?
Yes. Kraken has a free tier, so you can try it without paying. Tiller Money starts at $79/year.
What is Kraken best used for?
Kraken is most often used for exchanges, trading, staking. Of those, exchanges and trading are not what Tiller Money is typically brought in for.
What can Kraken do that Tiller Money cannot?
Kraken covers Spot Trading, Futures Trading, Margin Trading, Staking. Tiller Money covers Auto-populates financial data, Customizable spreadsheets, Budget tracking, Financial templates. Both handle Web support.

Answered from the vendors’ own pages

Kraken: How much does Kraken charge in fees?

Kraken Pro spot trading fees start at 0.25 percent maker and 0.40 percent taker for entry-level volume, decreasing to 0.00 percent maker and 0.08-0.10 percent taker at USD 10M+ monthly volume. The Kraken standard platform charges 1 percent on instant trades and 1.5 percent on custom orders. Kraken+ membership costs 4.99 USD/month or 49.99 USD/year for up to USD 10k/month in fee-free volume.

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
Kraken: In how many countries can I use Kraken?

Kraken supports 190+ countries and 9 major fiat currencies (USD, EUR, GBP). However, services are restricted in 16 jurisdictions including Russia, Iran, North Korea, Syria, and Afghanistan due to regulatory compliance requirements.

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
Kraken: Is Kraken custody secure?

Kraken holds ISO/IEC 27001:2022 certification and passed SOC 2 Type 1 examination. The exchange uses cold storage with crypto infrastructure in secure cages under 24/7 armed surveillance. Kraken Custody uses multiparty computation (MPC) and hardware security module (HSM) technology. As a Wyoming SPDI-chartered institution, Kraken Financial operates on full-reserve basis, holding 100 percent of client deposits in unencumbered liquid assets.

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
Kraken: What cryptocurrencies can I trade?

Kraken supports 500+ cryptocurrencies across 600+ crypto trading pairs. The platform also offers tokenized equities (xStocks) for direct trading of stock exposure, and supports staking rewards on eligible digital assets.

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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