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Personal Finance · head to head

Splitwise vs Tiller Money

Splitwise logo

Splitwise

Personal Finance

Split expenses easily with friends

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 Splitwise has a free tier, so it costs nothing to try first.
  • Each has a real cost: Splitwise the free tier limits how many expenses can be added in a day and shows adverts; Tiller Money no native mobile app means mobile access limited to Google Sheets or Excel apps
  • They diverge on capability: Splitwise covers Bill splitting, 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 Splitwise and Tiller Money actually diverge.

Attributes where Splitwise and Tiller Money differ
AttributeSplitwiseTiller 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 (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 Splitwise

  • Bill splitting
  • Expense tracking
  • Group management
  • Settlement tracking
  • Venmo
  • PayPal
  • IOS support
  • Android support

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.

Splitwise

  • Splitting shared household bills between flatmatesnot Tiller Money
  • Tracking who owes what on a group tripnot Tiller Money
  • Settling up across currencies on the Pro plannot Tiller Money
  • Recording IOUs between friends over timenot Tiller Money

Tiller Money

  • Budget Managementnot Splitwise
  • Expense Trackingnot Splitwise
  • Investment Trackingnot Splitwise

Where each one falls short

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

Splitwise

  • The free tier limits how many expenses can be added in a day and shows adverts
  • Transaction import works in the United States only
  • Currency conversion, receipt scanning, charts and expense search are all Pro features
  • The Pro price is not shown on the product page

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

Splitwise

Free
  • FreeFree
    • Bill splitting
    • Group tracking
    • Mobile app
  • Splitwise Pro$4.99/month
    • Receipt scanning
    • Advanced analytics
    • No ads

Tiller Money

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

Which should you pick?

Choose Splitwise if

  • You need bill splitting.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want expense tracking.
Splitwise 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 Splitwise or Tiller Money better?
Neither clearly leads. Splitwise 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, Splitwise or Tiller Money?
Splitwise has a free tier; the other does not. Paid plans start at Free for Splitwise and $79/year for Tiller Money.
Does Splitwise or Tiller Money run on more platforms?
Splitwise runs on Web, IOS, Android. Tiller Money runs on Web, Google Sheets, Microsoft Excel.
Can I use Splitwise for free?
Yes. Splitwise has a free tier, so you can try it without paying. Tiller Money starts at $79/year.
What is Splitwise best used for?
Splitwise is most often used for splitting shared household bills between flatmates, tracking who owes what on a group trip, settling up across currencies on the pro plan, recording ious between friends over time. Of those, splitting shared household bills between flatmates and tracking who owes what on a group trip are not what Tiller Money is typically brought in for.
What can Splitwise do that Tiller Money cannot?
Splitwise covers Bill splitting, Expense tracking, Group management, Settlement tracking. Tiller Money covers Auto-populates financial data, Customizable spreadsheets, Budget tracking, Financial templates. Both handle Web support.

Answered from the vendors’ own pages

Splitwise: Is there a free version of Splitwise?

Yes, Splitwise offers a free version available for iPhone, Android, and web with core features including adding groups and friends, splitting expenses, recording debts, equal or unequal splits, offline mode, and cloud sync.

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
Splitwise: What is Splitwise PRO and how much does it cost?

Splitwise PRO is an upgrade offering receipt scanning, charts and graphs, currency conversion, and additional features. The specific price is not published on the main website; users must visit the subscription page or access the app to view pricing details.

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
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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