Tiller Money (Spreadsheet-Based)

Tiller Money is the most powerful personal finance tool for people who are comfortable with spreadsheets and want maximum flexibility and transparency. It automatically syncs all bank and investment accounts to a Google Sheets or Excel spreadsheet daily, with a library of pre-built templates for budgeting, net worth tracking, debt payoff, and more. Unlike app-based tools, everything in Tiller is fully customizable — you can modify formulas, add columns, build custom dashboards, and retain your data forever without vendor dependency. Cost: $79/year. The obvious limitation: requires spreadsheet comfort. For the minority of users who are power spreadsheet users and have always wanted automated data in their own format, Tiller eliminates the manual import step that made spreadsheet budgeting unsustainable. Most useful for small business owners, freelancers, and anyone with complex financial situations.