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Personal Finance · head to head

Monarch Money vs Tiller Money

Monarch Money logo

Monarch Money

Personal Finance

All-in-one wealth management platform

From
$99/year
Rated
-
Full reviewWebsite
Tiller Money logo

Tiller Money

Personal Finance

Spreadsheet-based personal finance

From
$79/year
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Monarch Money the free trial is one week, after which a paid subscription is required to keep using the app; Tiller Money no native mobile app means mobile access limited to Google Sheets or Excel apps
  • They diverge on capability: Monarch Money covers Budget management, 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 Monarch Money and Tiller Money actually diverge.

Attributes where Monarch Money and Tiller Money differ
AttributeMonarch MoneyTiller Money
Starting price$99/year$79/year
Pricing modelsubscriptionUnknown
PlatformsWeb, IOS, AndroidWeb, Google Sheets, Microsoft Excel
Founded20222015

Identical on both: free tier (No), 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 Monarch Money

  • Budget management
  • Investment tracking
  • Tax planning
  • Financial insights
  • Investment accounts
  • Cryptocurrency
  • 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.

Monarch Money

  • Tracking household budgets and spending across linked bank accountsnot Tiller Money
  • Shared budgeting between partners in one accountnot Tiller Money
  • Monitoring net worth and investment balances alongside cash accountsnot Tiller Money

Tiller Money

  • Budget Managementnot Monarch Money
  • Expense Trackingnot Monarch Money
  • Investment Trackingnot Monarch Money

Where each one falls short

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

Monarch Money

  • The free trial is one week, after which a paid subscription is required to keep using the app
  • The advertised 30 percent discount with code WELCOME applies to the first year only and is restricted to new users
  • There is no free tier, and a Plus tier gates features above the base subscription

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

Monarch Money

$99/year
  • Core Plan$99/year
    • 7-day free trial
  • Plus$null/year
    • Premium features

Tiller Money

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

Which should you pick?

Choose Monarch Money if

  • You need budget management.
  • You work on Web, IOS, Android.
  • You also want investment tracking.
Monarch 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 Monarch Money or Tiller Money better?
Neither clearly leads. Monarch Money starts at $99/year and Tiller Money at $79/year, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Monarch Money or Tiller Money?
Monarch Money starts at $99/year and Tiller Money at $79/year.
Does Monarch Money or Tiller Money run on more platforms?
Monarch Money runs on Web, IOS, Android. Tiller Money runs on Web, Google Sheets, Microsoft Excel.
What is Monarch Money best used for?
Monarch Money is most often used for tracking household budgets and spending across linked bank accounts, shared budgeting between partners in one account, monitoring net worth and investment balances alongside cash accounts. Of those, tracking household budgets and spending across linked bank accounts and shared budgeting between partners in one account are not what Tiller Money is typically brought in for.
What can Monarch Money do that Tiller Money cannot?
Monarch Money covers Budget management, Investment tracking, Tax planning, Financial insights. 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

Monarch Money: How much does Monarch Money cost?

Monarch Money Core plan costs 99 USD/year, referenced in customer testimonials and promo code terms. Additional Plus tier exists but specific pricing is not disclosed on the main page.

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
Monarch Money: Is there a free trial?

Yes, Monarch Money offers a 7-day free trial for new users with no credit card required.

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
Monarch Money: Are there discounts available?

Monarch Money offers 30% off the first year with promo code WELCOME for new members on annual Core plan subscriptions. Cannot be combined with other offers.

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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