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Personal Finance · head to head

Tiller Money vs YNAB

Tiller Money logo

Tiller Money

Personal Finance

Spreadsheet-based personal finance

From
$79/year
Rated
-
Full reviewWebsite
YNAB logo

YNAB

Personal Finance

You Need A Budget

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only YNAB 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; YNAB subscription priced exclusively in US dollars; international customers face unfavourable exchange rates
  • They diverge on capability: Tiller Money covers Auto-populates financial data, YNAB covers Zero-based budgeting.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

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

Attributes where Tiller Money and YNAB differ
AttributeTiller MoneyYNAB
Starting price$79/yearFree
Pricing modelUnknownsubscription
Free tierNoYes
PlatformsWeb, Google Sheets, Microsoft ExcelWeb, iOS, Android
Founded20152004

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 YNAB

  • Zero-based budgeting
  • Bank sync
  • Goal tracking
  • Reports
  • Multi-device sync
  • Bank connections
  • Plaid
  • Bank-level encryption

Both cover

  • Web support

What people use each for

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

Tiller Money

  • Budget Managementnot YNAB
  • Expense Trackingnot YNAB
  • Investment Trackingnot YNAB

YNAB

  • Personal and household budget trackingnot Tiller Money
  • Debt management and repayment planningnot Tiller Money
  • Family financial planning with multiple usersnot 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

YNAB

  • Subscription priced exclusively in US dollars; international customers face unfavourable exchange rates
  • Multi-currency support restricted to one currency per spending plan
  • Bank import limited to select institutions in US, Canada, UK, and EU only
  • Household plan can only be shared with up to 6 people; additional members cannot access shared plan

Pricing, plan by plan

Tiller Money

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

YNAB

Free
  • Annual Subscription$109/year
    • 34-day free trial with no credit card required
    • No credit card required to start
    • Share access with up to 6 people at no additional cost
  • Monthly Subscription$14.99/month
    • Share access with up to 6 people at no additional cost
    • Real-time account syncing
    • Bank connection and transaction tracking

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.
Tiller Money review

Choose YNAB if

  • You need zero-based budgeting.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want bank sync.
YNAB review

Questions people ask

Is Tiller Money or YNAB better?
Neither clearly leads. Tiller Money starts at $79/year and YNAB at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Tiller Money or YNAB?
YNAB has a free tier; the other does not. Paid plans start at $79/year for Tiller Money and Free for YNAB.
Does Tiller Money or YNAB run on more platforms?
Tiller Money runs on Web, Google Sheets, Microsoft Excel. YNAB runs on Web, iOS, Android.
Can I use YNAB for free?
Yes. YNAB 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 YNAB is typically brought in for.
What can Tiller Money do that YNAB cannot?
Tiller Money covers Auto-populates financial data, Customizable spreadsheets, Budget tracking, Financial templates. YNAB covers Zero-based budgeting, Bank sync, Goal tracking, Reports. 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.

Source
YNAB: How much does YNAB cost per month?

YNAB costs $14.99 USD per month on a month-to-month basis, or $9.08 per month when paid annually as a $109 per year subscription. Both plans come with a 34-day free trial and no credit card required to start. Source: https://www.ynab.com/pricing

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
YNAB: Can I share YNAB access with my family?

Yes, both annual and monthly YNAB plans include the ability to share access with up to 6 people at no additional cost, making it suitable for family budget management. Source: https://www.ynab.com/pricing

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
YNAB: Does YNAB offer a free trial?

Yes, YNAB provides a 34-day free trial with no credit card required to sign up. This trial gives full access to all budgeting features including account syncing, transaction tracking, goal-setting, and debt management tools. Source: https://www.ynab.com/pricing

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
YNAB: Do students get a discount on YNAB?

Yes, verified college students receive a full year of YNAB access for free through YNAB's College Program. This allows eligible students to use all features at no cost for 12 months. Source: https://www.ynab.com/pricing

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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