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Personal Finance · head to head

Robinhood vs Tiller Money

Robinhood logo

Robinhood

Personal Finance

Investing for everyone

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 Robinhood has a free tier, so it costs nothing to try first.
  • Each has a real cost: Robinhood robinhood Gold costs 5 USD a month after a 30 day free trial; Tiller Money no native mobile app means mobile access limited to Google Sheets or Excel apps
  • They diverge on capability: Robinhood covers Commission-free trading, 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 Robinhood and Tiller Money actually diverge.

Attributes where Robinhood and Tiller Money differ
AttributeRobinhoodTiller Money
Starting priceFree$79/year
Pricing modelfreemiumUnknown
Free tierYesNo
PlatformsWeb, IOS, AndroidWeb, Google Sheets, Microsoft Excel
Founded20132015

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 Robinhood

  • Commission-free trading
  • Options trading
  • Crypto trading
  • Fractional shares
  • Crypto wallets
  • 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.

Robinhood

  • Commission free trading of US stocks and ETFs from a phonenot Tiller Money
  • Options and futures trading for retail investorsnot Tiller Money
  • Holding an IRA with a contribution matchnot Tiller Money

Tiller Money

  • Budget Managementnot Robinhood
  • Expense Trackingnot Robinhood
  • Investment Trackingnot Robinhood

Where each one falls short

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

Robinhood

  • Robinhood Gold costs 5 USD a month after a 30 day free trial
  • The 3.35 percent APY on brokerage cash is available only to Gold subscribers
  • The 3 percent IRA contribution match requires keeping the Gold subscription for one year and leaving the assets in the IRA for five years, and is capped at 225 USD against 2026 contribution maximums
  • Reduced contract fees of 0.50 USD per futures contract and 0.35 USD per index option apply only to Gold subscribers
  • Management fees are waived only above 100K USD in expert managed portfolios

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

Robinhood

Free
  • FreeFree
    • Commission-free trading
    • Real-time data
    • Mobile app
  • Gold$4.99/month
    • All Free features
    • Extended hours trading
    • Premium research

Tiller Money

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

Which should you pick?

Choose Robinhood if

  • You need commission-free trading.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want options trading.
Robinhood 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 Robinhood or Tiller Money better?
Neither clearly leads. Robinhood 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, Robinhood or Tiller Money?
Robinhood has a free tier; the other does not. Paid plans start at Free for Robinhood and $79/year for Tiller Money.
Does Robinhood or Tiller Money run on more platforms?
Robinhood runs on Web, IOS, Android. Tiller Money runs on Web, Google Sheets, Microsoft Excel.
Can I use Robinhood for free?
Yes. Robinhood has a free tier, so you can try it without paying. Tiller Money starts at $79/year.
What is Robinhood best used for?
Robinhood is most often used for commission free trading of us stocks and etfs from a phone, options and futures trading for retail investors, holding an ira with a contribution match. Of those, commission free trading of us stocks and etfs from a phone and options and futures trading for retail investors are not what Tiller Money is typically brought in for.
What can Robinhood do that Tiller Money cannot?
Robinhood covers Commission-free trading, Options trading, Crypto trading, Fractional shares. 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

Robinhood: What is the minimum amount needed to open a Robinhood account?

You can get started with as little as $1.

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
Robinhood: What does Robinhood Gold cost and what does it include?

Robinhood Gold is $5 per month and includes zero management fees on portfolios exceeding $100,000 through Robinhood Strategies.

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
Robinhood: Are there trading commissions on Robinhood?

Robinhood offers 24/5 commission-free stock and ETF trading. Other fees may apply to your brokerage account as detailed in the RHF Fee Schedule.

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
Robinhood: What cash back rate does Robinhood's credit card offer?

The Robinhood Agentic Credit Card offers 3% cash back on purchases.

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
Robinhood: How much FDIC insurance coverage do Robinhood Cash Card accounts have?

Cash Card accounts are covered up to $250,000 through FDIC insurance via Sutton Bank.

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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