Tiller Money

What Tiller Money does

Tiller Money is a Seattle-based, bootstrapped personal finance software company founded in 2016 that automatically syncs users' bank, credit, debt, and investment transactions into private Google Sheets or Microsoft Excel templates they themselves own. The product architecture combines three layers: a daily financial data feed (Tiller Money Feeds) that pulls account balances and transactions via third-party bank-data aggregators; the Foundation Template, a prebuilt workbook containing sheets for transactions, budgets, spending trends, net worth, debt, and savings goals; and add-on features such as AutoCat for rule-based transaction categorization and "Hello, Money" for daily email summaries. A newly announced mobile experience (expected 2026-06) extends the product beyond desktop spreadsheets, and a Solo Business module lets solopreneurs handle personal and business finances under a single subscription.

The company sells exclusively through a single annual subscription priced at $99/year following a 30-day free trial, with no advertising and no data resale; this positioning is reinforced by the company's explicit "not venture-funded" messaging and serves as a trust signal in a category where consumers are wary of free, ad-supported finance apps. GTM is product-led growth via self-serve signup with Google or Microsoft authentication, primarily through Google Workspace Marketplace and Microsoft AppSource, supported by content marketing, an active user community, an affiliate program, and earned media in outlets such as the New York Times, Fortune, Inc, Morningstar, WSJ, CNBC, and GeekWire. Customer segments are horizontal: individual consumers seeking spreadsheet-native financial control, plus a secondary cohort of solo business owners needing lightweight business-finance tracking.

Name

Tiller Money

Legal name

Tiller

Website

https://tillerhq.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Tiller Money is a Seattle-based bootstrapped SaaS company that automatically syncs bank, credit, and investment transactions into private Google Sheets or Excel templates owned by the user, serving individual consumers and solo business owners via a $99/year subscription.

Ownership category

akta.pro rank

Product category

Personal Finance Software

NAICS

Sales Financing (52222), Sales Financing (522220)

SIC

Finance Services (6199)

akta.pro primary industry

Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD)

Keywords

• Personal finance software
• Spreadsheet automation
• Bank transaction syncing
• Financial planning tools
• Budget tracking templates

Headquarters

HQ city

Seattle

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Annual Subscription: Tiller generates revenue through a straightforward annual subscription model at $99/year. The company is explicitly not venture-funded and does not sell data or display ads, relying solely on subscription revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Tiller Money automatically imports daily bank account transactions (spending, income, debt, balances) into private Google Sheets or Excel spreadsheet templates owned by the user. Its core subscription ($99/year) bundles the Foundation Template, automatic bank connections, AutoCat categorization, and Hello Money daily email summaries, with optional solo business tracking for solopreneurs.

Product overview

Tiller Money is a spreadsheet-based personal finance service that syncs financial account data into private Google Sheets or Excel spreadsheets users own. The core offering consists of the Foundation Template (primary spreadsheet with transactions, budgets, spending trends, debt, and net worth sheets), enhanced by Automatic Bank Connections (daily account syncing), AutoCat (automatic transaction categorization), and Hello, Money (daily email summaries). The company also offers free budget templates and supports solo business tracking. Tiller positions itself as a Mint replacement emphasizing data ownership, no ads, and deep spreadsheet customization. Pricing is $99/year after a 30-day free trial.

Differentiator

Problem solved

Functional benefit

Products and services

• Foundation Template Prebuilt spreadsheet template that serves as the foundation for Tiller's financial tracking, including prebuilt sheets for transactions, budgets, spending trends, debt tracking, net worth, and savings goals for individual consumers.
• Tiller Money Feeds (Automatic Bank Connections) Bank account connection service that automatically syncs daily spending, income, debt, and balances from financial institutions into the user's private Google Sheets or Excel spreadsheet.
• AutoCat Automatic transaction categorization feature that uses rules to categorize and classify bank transactions as they sync into the spreadsheet.
• Hello, Money Daily email update service that sends users a morning email with account balances and recent transactions, allowing quick financial review without opening spreadsheets.
• Free Google Sheets Budget Templates Collection of prebuilt spreadsheet templates for personal finance management including budgets, expenses, debt payoff, net worth tracking, and savings goals.
• Solo Business Tracking Business expense and income tracking module that allows users to manage personal finances and solo business finances in the same spreadsheet under a single subscription.

Quantifiable outcome

• Users report finding hundreds of dollars in annual savings by identifying unused subscriptions and forgotten charges

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Emerging players

• PocketGuard: Personal finance app that aggregates accounts, categorizes spending, and surfaces 'in your pocket' remaining budget. Competes in the same consumer tracking space but with a simplified, recommendation-driven UI rather than spreadsheet customization.
• Boldin (formerly NewRetirement): Financial planning platform for retirement and long-term planning with account aggregation. Adjacent to Tiller for users whose needs extend from day-to-day budgeting into long-horizon financial modeling.
• Origin: Subscription-based financial planning platform focused on holistic wealth and cash flow planning. Adjacent to Tiller for users wanting deeper planning features beyond day-to-day tracking and budgeting.

Direct peers

• Monarch Money: Modern, subscription-based personal finance aggregator that syncs bank accounts and provides dashboards, budgeting, and collaboration. Targets the same Mint-refugee segment with a more traditional UI versus Tiller's spreadsheet model.
• Empower (formerly Personal Capital): Aggregator that syncs financial accounts for budgeting, net worth tracking, and investment analysis. Targets consumers wanting holistic visibility across spending and wealth — overlapping with Tiller's net worth and spending trends functionality.
• Rocket Money: Subscription cancellation and budgeting app that syncs bank accounts to identify and cancel recurring charges. Directly overlaps with Tiller's subscription-discovery value proposition but emphasizes automated cancellation rather than user-controlled spreadsheet tracking.
• Copilot Money: Mobile-first, AI-powered personal finance app for tracking spending, investments, and budgets. Targets the same premium-conscious individual consumer segment as Tiller but competes primarily on UX and AI-driven insights versus spreadsheet ownership.
• Quicken: Long-standing personal and small business finance management software. Competes directly with Tiller for users wanting detailed transaction tracking, budgeting, and reporting — though via a desktop application rather than cloud spreadsheets.
• YNAB (You Need A Budget): Subscription-based personal budgeting app that targets the same DIY-focused user segment as Tiller, with comparable price point and zero-based budgeting methodology. Direct substitute for users choosing between a structured app versus Tiller's spreadsheet-first approach.

Broad incumbents

• Intuit (Mint / Credit Karma): Owner of the discontinued Mint product (shut down 2024) and Credit Karma. Represents the broad incumbent that previously dominated this category and whose exit created the migration opportunity Tiller is positioned to capture.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/tillermoney
• YouTubeyoutube.com/@Tillermoney
• Facebookfacebook.com/tillermoney
• LinkedInlinkedin.com/tiller-money
• Instagraminstagram.com/tiller_money

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tiller Money