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Personal Finance · head to head

Rocket Money vs Tiller Money

Rocket Money logo

Rocket Money

Personal Finance

Cancel subscriptions and save money automatically

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 Rocket Money has a free tier, so it costs nothing to try first.
  • Each has a real cost: Rocket Money successful bill negotiation costs a one time fee of 35% to 60% of the first year's savings; Tiller Money no native mobile app means mobile access limited to Google Sheets or Excel apps
  • They diverge on capability: Rocket Money covers Subscription tracking, 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 Rocket Money and Tiller Money actually diverge.

Attributes where Rocket Money and Tiller Money differ
AttributeRocket MoneyTiller Money
Starting priceFree$79/year
Pricing modelfreemiumUnknown
Free tierYesNo
PlatformsWeb, IOS, AndroidWeb, Google Sheets, Microsoft Excel
Founded20162015

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 Rocket Money

  • Subscription tracking
  • Bill negotiation
  • Automatic savings
  • Spending insights
  • Credit score monitoring
  • Credit cards
  • Utility providers
  • IOS 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.

Rocket Money

  • Finding and cancelling unwanted subscriptionsnot Tiller Money
  • Tracking bills and spending in one appnot Tiller Money
  • Having a third party negotiate down recurring billsnot Tiller Money

Tiller Money

  • Budget Managementnot Rocket Money
  • Expense Trackingnot Rocket Money
  • Investment Trackingnot Rocket Money

Where each one falls short

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

Rocket Money

  • Successful bill negotiation costs a one time fee of 35% to 60% of the first year's savings
  • Premium is priced on a sliding scale and the help centre publishes no fixed monthly or annual amount, stating rates vary across platforms
  • Custom budget categories, financial goal plans, credit score tracking and real time account syncing are Premium only
  • The Premium free trial is 7 days

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

Rocket Money

Free
  • FreeFree
    • Subscription tracking
    • Spending insights
    • Bill reminders
  • Premium$12/month
    • Bill negotiation
    • Subscription cancellation
    • Smart savings

Tiller Money

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

Which should you pick?

Choose Rocket Money if

  • You need subscription tracking.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want bill negotiation.
Rocket 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 Rocket Money or Tiller Money better?
Neither clearly leads. Rocket Money 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, Rocket Money or Tiller Money?
Rocket Money has a free tier; the other does not. Paid plans start at Free for Rocket Money and $79/year for Tiller Money.
Does Rocket Money or Tiller Money run on more platforms?
Rocket Money runs on Web, IOS, Android. Tiller Money runs on Web, Google Sheets, Microsoft Excel.
Can I use Rocket Money for free?
Yes. Rocket Money has a free tier, so you can try it without paying. Tiller Money starts at $79/year.
What is Rocket Money best used for?
Rocket Money is most often used for finding and cancelling unwanted subscriptions, tracking bills and spending in one app, having a third party negotiate down recurring bills. Of those, finding and cancelling unwanted subscriptions and tracking bills and spending in one app are not what Tiller Money is typically brought in for.
What can Rocket Money do that Tiller Money cannot?
Rocket Money covers Subscription tracking, Bill negotiation, Automatic savings, Spending 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

Rocket Money: Does Rocket Money charge for its basic features?

No. The free tier includes account linking, balance alerts, subscription management, and spend tracking across linked accounts.

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
Rocket Money: What additional features does the premium tier offer?

The premium plan adds subscription cancellation assistance, an automated savings plan, net worth tracking, shared accounts, unlimited budgets, and human support for subscription cancellation and bill negotiation.

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
Rocket Money: What does Rocket Money charge for premium features?

The specific dollar amount and billing cycle for the premium tier are not disclosed on the homepage. Pricing details appear only when signing up in the app.

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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