FinTrack vs. Tiller Money — escape spreadsheets or embrace them?

Last updated May 2026 · Prices may change

What is Tiller Money?

Tiller Money is a finance tool for people who love spreadsheets but hate manually importing transactions. It connects to your bank accounts via OAuth and automatically feeds your transactions into Google Sheets or Microsoft Excel templates. You get the full flexibility of a spreadsheet — custom formulas, pivot tables, charts, any layout you can imagine — with the convenience of automatic data import. Tiller costs $79/year and offers a 30-day free trial. It requires both a bank connection and a working knowledge of spreadsheets to get meaningful value from it.

What is FinTrack?

FinTrack is a purpose-built finance tracking app. You log income and expenses manually — no bank connection, no spreadsheet. FinTrack handles the financial logic automatically: projected month-end balance, recurring bill due-date tracking, month-over-month comparisons, and category breakdowns. Everything works out of the box without building or maintaining your own spreadsheet system. Free tier available with no card required. Pro is $99.99/year or $11.99/month.

Feature comparison

FeatureFinTrackTiller Money
PriceFree tier; Pro $99.99/yr$79/yr (30-day trial)
Bank connection requiredNeverYes — required
Data entry methodManual onlyAuto-import into spreadsheet
InterfacePurpose-built appGoogle Sheets / Excel
Spreadsheet skills neededNoYes — for customization
Mobile experienceNative iOS, Android, webSpreadsheet on mobile
Projected balanceBuilt inBuild it yourself
Recurring bill trackerBuilt inVia spreadsheet formulas
Month-over-month comparisonBuilt inVia spreadsheet formulas
CustomizabilityApp settingsUnlimited (it's a spreadsheet)
PrivacyNo bank credentials everBank OAuth required

Choose FinTrack if…

  • 1You want to escape spreadsheets entirely. FinTrack gives you projected balances, recurring bill tracking, and category analysis — all without building or maintaining formulas.
  • 2Privacy matters. FinTrack never connects to your bank. Your transaction history stays on your device and in your account, not flowing through a third-party bank connection.
  • 3You want a clean mobile experience. Logging transactions on a phone is far smoother in a purpose-built app than in a spreadsheet.
  • 4You don't want to think about setup. FinTrack works immediately. Tiller requires you to design your own spreadsheet system or adapt community templates.

Choose Tiller Money if…

  • 1You love spreadsheets and already live in Google Sheets or Excel. Tiller adds bank sync to a tool you already know without forcing you into a new interface.
  • 2Automatic transaction import is a hard requirement. If manual entry feels too tedious, Tiller's auto-import is a genuine time-saver.
  • 3You want unlimited customization. No app can match a spreadsheet for bespoke financial modeling, custom categories, or one-off calculations.
  • 4You have the spreadsheet skills to build what you need. Tiller's value increases directly with your spreadsheet ability.

The fundamental difference

Tiller is a bridge between banking data and spreadsheets. It solves the specific problem of getting transactions into a spreadsheet automatically. If you want to track finances in a spreadsheet and hate manual data entry, Tiller is an elegant solution — but the spreadsheet itself is still yours to build and maintain.

FinTrack is a complete, purpose-built system. The financial logic — recurring bill tracking, projected balance, month-over-month comparison — is already built in. You don't need spreadsheet skills, and you don't need to maintain anything. If you want to stop managing a spreadsheet and just see your financial picture clearly, FinTrack is designed for exactly that.

Try FinTrack free — no bank link, no card

Start in two minutes. Log your first transaction and see your dashboard immediately.

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