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Personal Finance · head to head

Strands vs Tiller Money

Strands logo

Strands

Personal Finance

Personal and business financial management modules for banks, owned by CRIF

From
On request
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: Strands transaction categorisation accuracy depends on local merchant data, and banks in smaller markets face months of tuning before customers trust the categories shown.; Tiller Money no native mobile app means mobile access limited to Google Sheets or Excel apps
  • They diverge on capability: Strands covers Transaction categorisation, Tiller Money covers Auto-populates financial data.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Strands and Tiller Money actually diverge.

Attributes where Strands and Tiller Money differ
AttributeStrandsTiller Money
Starting priceOn request$79/year
Pricing modelquoteUnknown
PlatformsWeb, iOS, Android, REST APIWeb, Google Sheets, Microsoft Excel
FoundedUnknown2015

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 Strands

  • Transaction categorisation
  • Personal financial management
  • Business financial management
  • Lighthouse
  • Automated savings
  • Account aggregation

Only in Tiller Money

  • Auto-populates financial data
  • Customizable spreadsheets
  • Budget tracking
  • Financial templates
  • Bank accounts
  • Google Sheets
  • Excel
  • Web support

What people use each for

The jobs each tool is most often brought in to do.

Strands

  • A retail bank adding budgeting and spending insight without building a categorisation enginenot Tiller Money
  • A bank wanting personalised product offers driven by observed spending and credit datanot Tiller Money
  • A credit union offering small business customers cash flow forecasting inside online bankingnot Tiller Money
  • A Nordic institution combining Strands insight with open banking account aggregationnot Tiller Money

Tiller Money

  • Budget Managementnot Strands
  • Expense Trackingnot Strands
  • Investment Trackingnot Strands

Where each one falls short

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

Strands

  • Transaction categorisation accuracy depends on local merchant data, and banks in smaller markets face months of tuning before customers trust the categories shown.
  • It is now a product line inside CRIF, a credit bureau, so roadmap priorities follow group data strategy rather than standalone software competition.
  • Commercial terms are often bundled with other CRIF services, which makes a standalone comparison against a pure PFM vendor harder to run.
  • Money management features have weak measurable impact on bank revenue, so the business case relies on engagement metrics that are difficult to tie to profit.
  • It is a white-label component, so the bank still owns design, support and customer communication, and a poor in-app implementation reflects on the bank rather than the vendor.

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

Strands

On request
  • Strands AI Finance Suite$undefined/year
    • Licence scaled by end customers or active users
    • Modules licensed separately for personal, business and Lighthouse
    • Implementation and categorisation tuning charged as a project

Tiller Money

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

Which should you pick?

Choose Strands if

  • You need transaction categorisation.
  • You work on Web, iOS, Android, REST API.
  • You also want personal financial management.
Strands 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 Strands or Tiller Money better?
Neither clearly leads. Strands starts at On request and Tiller Money at $79/year, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Strands or Tiller Money?
Strands starts at On request and Tiller Money at $79/year.
Does Strands or Tiller Money run on more platforms?
Strands runs on Web, iOS, Android, REST API. Tiller Money runs on Web, Google Sheets, Microsoft Excel.
What is Strands best used for?
Strands is most often used for a retail bank adding budgeting and spending insight without building a categorisation engine, a bank wanting personalised product offers driven by observed spending and credit data, a credit union offering small business customers cash flow forecasting inside online banking, a nordic institution combining strands insight with open banking account aggregation. Of those, a retail bank adding budgeting and spending insight without building a categorisation engine and a bank wanting personalised product offers driven by observed spending and credit data are not what Tiller Money is typically brought in for.
What can Strands do that Tiller Money cannot?
Strands covers Transaction categorisation, Personal financial management, Business financial management, Lighthouse. Tiller Money covers Auto-populates financial data, Customizable spreadsheets, Budget tracking, Financial templates.

Answered from the vendors’ own pages

Strands: Who owns Strands?

CRIF, the Italian credit bureau and information services group, which acquired it to combine money management software with credit data.

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
Strands: Is it sold to consumers?

No. It is licensed to banks and credit unions who embed it in their own applications under their own brand.

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
Strands: Does it include account aggregation?

It supports aggregated external accounts, with CRIF and partners such as Enable Banking supplying the open banking connectivity.

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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