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Personal Finance · head to head

PayPal vs Tiller Money

PayPal logo

PayPal

Personal Finance

The simpler, safer way to pay and get paid

From
$29/month
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: PayPal currency conversion on international purchases and sends carries a 4.00 percent fee, and 3.00 percent in other conversion scenarios; Tiller Money no native mobile app means mobile access limited to Google Sheets or Excel apps
  • They diverge on capability: PayPal covers Payment processing, 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 PayPal and Tiller Money actually diverge.

Attributes where PayPal and Tiller Money differ
AttributePayPalTiller Money
Starting price$29/month$79/year
Pricing modelusage-basedUnknown
PlatformsWeb, Ios, Android, ApiWeb, Google Sheets, Microsoft Excel
Founded19982015

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 PayPal

  • Payment processing
  • PayPal Checkout
  • Invoicing
  • Business debit card
  • Working capital loans
  • Shopify
  • WooCommerce
  • BigCommerce

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.

PayPal

  • Paying online merchants without sharing card detailsnot Tiller Money
  • Sending money to friends and family domestically and internationallynot Tiller Money
  • Holding balances in multiple currencies for cross border purchasesnot Tiller Money

Tiller Money

  • Budget Managementnot PayPal
  • Expense Trackingnot PayPal
  • Investment Trackingnot PayPal

Where each one falls short

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

PayPal

  • Currency conversion on international purchases and sends carries a 4.00 percent fee, and 3.00 percent in other conversion scenarios
  • Instant transfer to a bank or debit card costs 1.75 percent of the amount, with a minimum of 0.25 USD and a maximum of 25.00 USD
  • International personal transactions carry a 5.00 percent fee regardless of payment method, with a minimum of 0.99 USD and a maximum of 4.99 USD
  • Sending domestic personal payments funded by a credit card costs 2.90 percent plus a fixed fee of 0.49 USD
  • Instant transfers are capped at 25,000.00 USD per transaction

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

PayPal

$29/month
  • Standard$2.99/transaction
    • Card payments
    • PayPal checkout
    • Invoice payments

Tiller Money

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

Which should you pick?

Choose PayPal if

  • You need payment processing.
  • You work on Web, Ios, Android, Api.
  • You also want paypal checkout.
PayPal 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 PayPal or Tiller Money better?
Neither clearly leads. PayPal starts at $29/month and Tiller Money at $79/year, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, PayPal or Tiller Money?
PayPal starts at $29/month and Tiller Money at $79/year.
Does PayPal or Tiller Money run on more platforms?
PayPal runs on Web, Ios, Android, Api. Tiller Money runs on Web, Google Sheets, Microsoft Excel.
What is PayPal best used for?
PayPal is most often used for paying online merchants without sharing card details, sending money to friends and family domestically and internationally, holding balances in multiple currencies for cross border purchases. Of those, paying online merchants without sharing card details and sending money to friends and family domestically and internationally are not what Tiller Money is typically brought in for.
What can PayPal do that Tiller Money cannot?
PayPal covers Payment processing, PayPal Checkout, Invoicing, Business debit card. Tiller Money covers Auto-populates financial data, Customizable spreadsheets, Budget tracking, Financial templates. Both handle Web support.

Answered from the vendors’ own pages

PayPal: Does PayPal charge fees and when do they apply?

PayPal states that fees apply when converting currency and sending money to accounts in another country. Specific fee amounts are not disclosed on the homepage but are referenced in their published fee schedule.

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
PayPal: Is there a subscription cost to use PayPal's basic services?

No subscription fees are mentioned on the homepage. PayPal operates on a transaction-based fee structure for money transfers and payments rather than recurring charges.

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
PayPal: Are there restrictions on when I can use buyer protection?

PayPal offers buyer protection for eligible purchases, but coverage limitations exist. A user agreement sets the specific conditions for protection eligibility.

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
PayPal: What payment methods can I link to PayPal?

PayPal's digital wallet allows storage of multiple payment methods and can be used for secure money transfers, payment requests, and checkout at major retailers.

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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