Personal Finance · head to head
Tiller Money vs Credit Karma
The short version
- Only Credit Karma has a free tier, so it costs nothing to try first.
- Each has a real cost: Tiller Money no native mobile app means mobile access limited to Google Sheets or Excel apps; Credit Karma state tax filing costs 15 USD even though federal filing is 0 USD
- They diverge on capability: Tiller Money covers Auto-populates financial data, Credit Karma covers Free credit score.
Where they differ
Only the attributes on which Tiller Money and Credit Karma actually diverge.
| Attribute | Tiller Money | Credit Karma |
|---|---|---|
| Starting price | $79/year | Free |
| Pricing model | Unknown | freemium |
| Free tier | No | Yes |
| Platforms | Web, Google Sheets, Microsoft Excel | Web, IOS, Android |
| Founded | 2015 | 2007 |
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 Tiller Money
- Auto-populates financial data
- Customizable spreadsheets
- Budget tracking
- Financial templates
- Bank accounts
- Google Sheets
- Excel
Only in Credit Karma
- Free credit score
- Credit report monitoring
- Credit card recommendations
- Tax filing
- Credit bureaus
- Financial institutions
- IOS support
- Android support
Both cover
- Web support
What people use each for
The jobs each tool is most often brought in to do.
Tiller Money
- Budget Managementnot Credit Karma
- Expense Trackingnot Credit Karma
- Investment Trackingnot Credit Karma
Credit Karma
- Monitoring a credit score and the factors affecting it for freenot Tiller Money
- Comparing credit card and loan offers with Approval Oddsnot Tiller Money
- Filing federal tax returns at no chargenot Tiller Money
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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
Credit Karma
- State tax filing costs 15 USD even though federal filing is 0 USD
- Credit Spark builds score history against TransUnion, and the site states that not all lenders use TransUnion credit reports or scores
- Card and loan listings are advertising placements, disclosed on the site as compensation from third party advertisers
- Send and score update frequency limits are not published on the site
Pricing, plan by plan
Tiller Money
$79/year- Annual Subscription$79/year
- Unlimited transaction import
- Up to 5 connected spreadsheets
- AutoCat categorization
Credit Karma
Free- FreeFree
- Credit score monitoring
- Credit reports
- Personalized recommendations
Which should you pick?
Choose Tiller Money if
- You need auto-populates financial data.
- You work on Web, Google Sheets, Microsoft Excel.
- You also want customizable spreadsheets.
Choose Credit Karma if
- You need free credit score.
- You want to start without paying.
- You work on Web, IOS, Android.
- You also want credit report monitoring.
Questions people ask
- Is Tiller Money or Credit Karma better?
- Neither clearly leads. Tiller Money starts at $79/year and Credit Karma at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Tiller Money or Credit Karma?
- Credit Karma has a free tier; the other does not. Paid plans start at $79/year for Tiller Money and Free for Credit Karma.
- Does Tiller Money or Credit Karma run on more platforms?
- Tiller Money runs on Web, Google Sheets, Microsoft Excel. Credit Karma runs on Web, IOS, Android.
- Can I use Credit Karma for free?
- Yes. Credit Karma has a free tier, so you can try it without paying. Tiller Money starts at $79/year.
- What is Tiller Money best used for?
- Tiller Money is most often used for budget management, expense tracking, investment tracking. Of those, budget management and expense tracking are not what Credit Karma is typically brought in for.
- What can Tiller Money do that Credit Karma cannot?
- Tiller Money covers Auto-populates financial data, Customizable spreadsheets, Budget tracking, Financial templates. Credit Karma covers Free credit score, Credit report monitoring, Credit card recommendations, Tax filing. Both handle Web support.
Answered from the vendors’ own pages
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.
SourceTiller 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.
SourceTiller 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.
SourceTiller 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.'
SourceTiller 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