What Tiller does

Tiller, operating as Tiller LLC (Washington, USA), is a bootstrapped SaaS company founded in 2015 that sells a single $99-per-year consumer subscription for an automated personal-finance service. Its product feeds daily transactions, balances, and income from more than 21,000 financial institutions into user-owned Google Sheets and Excel spreadsheets via the Yodlee aggregation layer and OAuth open-banking connections, with the Foundation Template as the primary product surface alongside add-ons such as AutoCat (rules-based categorization), Hello Money (daily email summary), Net Worth Tracker, Spending Trends, and a Solo Business module.

The underlying architecture is intentionally thin: rather than building a proprietary analytics layer, Tiller pipes cleansed bank data into spreadsheets where users own the data, build custom categories and reports, and integrate it with their existing financial workflows. Distribution is product-led and community-led — a 30-day free trial on tiller.com, listings on Google Workspace Marketplace and Microsoft AppSource, a selective Awin affiliate program, content/SEO, and an active Tiller Community — and Microsoft officially endorsed the product in 2022 as the replacement for Money in Excel. The company has no venture funding, runs no advertising, and does not sell user data; revenue is generated exclusively through subscriptions, supplemented by a fractional CFO hire and a planned mobile experience.

Customers are predominantly US-based individual consumers (with Canada evaluated), including households managing shared finances and solo-business owners who want personal and business expense tracking in one spreadsheet. The company is privately held, founder-led by Peter Polson, operates as a remote/distributed team of 11–50, and has been featured in the New York Times, Fortune, Morningstar, WSJ, CNBC Wirecutter, and The Verge.

Name

Tiller

Legal name

Tiller LLC

Website

https://tiller.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Tiller is a bootstrapped SaaS platform that automates personal finance tracking by feeding daily transactions and balances from 21,000+ financial institutions into user-owned Google Sheets and Excel spreadsheets, sold to US consumers and solo-business owners via a single $99 annual subscription and a 30-day free trial.

Ownership category

akta.pro rank

Product category

Personal Finance Software

NAICS

Software Publishers (5132), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Prepackaged Software (7372), Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

Software/SaaS Subscriptions (Consumer & Prosumer) (CRAFAIAB)

Keywords

• Personal finance software
• Spreadsheet automation
• Bank data aggregation
• Budgeting tools
• Financial tracking

Headquarters

HQ city

Philadelphia

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Annual Subscription: Single subscription tier at $99/year providing full access to all features including Foundation Template, auto-categorization, unlimited bank connections, and support. No venture capital funding - revenue comes solely from subscriptions.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Tiller is a SaaS personal finance service that automatically imports daily spending, income, debt, and account balances from over 21,000 financial institutions into users' private Google Sheets or Microsoft Excel spreadsheets. The platform uses Yodlee and open banking OAuth connections to aggregate data and delivers it via the Foundation Template, with built-in AutoCat transaction categorization, customizable templates, and a daily email summary (Hello Money). A single $99 annual subscription covers all features, including a Solo Business add-on for freelancers and small business owners.

Product overview

Tiller is a SaaS personal finance service that operates as a unified platform centered on spreadsheet-based automation. The core offering is the Foundation Template for Google Sheets and Microsoft Excel, which automatically imports daily spending, income, debt, and balances from over 21,000 financial institutions via Yodlee data feeds. The platform includes modular features such as Hello Money (daily email summaries), AutoCat (automatic transaction categorization), Spending Trends (analytics), and Net Worth Tracker. Additional specialized templates include the 50/30/20 Budget, Investment Tracking, Monthly Budget Calendar, and Wedding Budget templates. A Solo Business module allows business expense tracking alongside personal finances. Pricing follows a single $99 annual subscription model with a 30-day free trial. Tiller is not venture-funded, earns revenue solely from subscriptions, does not sell data or show ads, and targets primarily US-based individual consumers.

Differentiator

Problem solved

Functional benefit

Brands

• Foundation Template: The primary automated template for Google Sheets and Microsoft Excel that automatically tracks daily spending, income, and account balances.
• Hello Money
• AutoCat

Products and services

• Tiller Foundation Template Primary automated spreadsheet template for Google Sheets and Microsoft Excel that automatically tracks daily spending, income, and account balances from over 21,000 financial institutions, including Spending Insights, Monthly Budget, Yearly Budget, Net Worth Tracker, Account Balances, Transactions Sheet, and AutoCat categorization.
• Hello Money Daily email summary service that sends users a morning email with account balances and recent transactions, allowing review without opening spreadsheets.
• Tiller Money Feeds Bank and financial institution data connection service that feeds transaction data from over 21,000 sources including banks, credit cards, brokerages, and loans into user spreadsheets.
• Tiller Solo Business Business finance tracking feature that allows users to track business income, expenses, and profits alongside personal finances in the same spreadsheet, included in the single subscription.
• 50/30/20 Budget Template for Google Sheets Free budget template for Google Sheets that follows the 50/30/20 budgeting method (50% needs, 30% wants, 20% savings), automatically filled with Tiller transaction data.
• Investment Tracking Spreadsheet Google Sheets template powered by Google Finance that tracks daily price history of stocks with an editable watchlist and price history charts showing open, high, low, close prices and volume.
• Monthly Budget Template for Google Sheets Free user-friendly income and expense tracker template for Google Sheets, designed to be automated by Tiller.
• Personal Monthly Budget for Excel Free Excel monthly budget template that tracks expenditures by income and expenses including housing loans and transportation costs, with automatic calculations.
• Spending Trends Analytics sheet within the Foundation Template that provides categorized spending insights and visual spending analysis to help users understand where their money goes.

Quantifiable outcome

• Users have identified an average of $564/year in unused subscriptions through transaction analysis
• +1 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Four partnerships are on record, tiered flagship, core and supporting.

• MicrosoftflagshipTechnology or Integration · 1 May 2022Microsoft officially recommended Tiller Foundation Template in 2022 as the replacement for Money in Excel. Tiller launched a personal finance service for Excel with an exclusive offer for Microsoft 365 subscribers. Tiller is the only automated Excel budget workbook recommended by Microsoft.
• Yodlee (Envestnet | Yodlee)coreTechnology or IntegrationYodlee is Tiller's primary data aggregator, collecting bank account transaction data from users' financial institutions on their behalf. Tiller works with Yodlee to securely retrieve and store transaction data, which is transmitted with TLS and stored with 256-bit AES encryption.
• GooglecoreTechnology or IntegrationTiller integrates with Google Sheets as one of its two primary platforms (alongside Excel). Available on Google Workspace Marketplace with 4.8-star rating.
• AwinsupportingChannel Partner/ Reseller/ DistributorAwin is Tiller's affiliate platform. Affiliates apply through Awin, are reviewed by Tiller Evangelist, and earn $25 per successful subscriber conversion after completing the 30-day free trial.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Quicken (Simplifi): Quicken's cloud subscription product targeting the same Mint-leaving and personal-finance-management audience. Closely comparable subscription model and feature set around spending, budgets, and net worth tracking.
• PocketGuard: Subscription personal finance app that links bank accounts, categorizes spending, and tracks budgets. Direct comparison point for Tiller's auto-categorization and spending-insight features.
• YNAB (You Need a Budget): Subscription-based personal budgeting tool that targets the same privacy-conscious, self-directed individual consumer segment. Closely comparable pricing model and value proposition around active budgeting, with Tiller differentiated primarily by its spreadsheet-native delivery.
• Banktivity: Subscription personal and small-business finance management software for Mac and iOS. Targets the same detail-oriented user that values direct data control rather than ad-supported cloud apps.
• Moneydance: Desktop and mobile personal finance application that imports bank transactions and supports detailed budgeting. Comparable to Tiller in its power-user, finance-control orientation, though not spreadsheet-native.
• Monarch Money: Subscription-based Mint replacement that emerged after Intuit shut down Mint. Competes head-to-head with Tiller for migrating Mint users, with a modern web/mobile UI rather than a spreadsheet-first approach.

Emerging players

• Copilot Money: Mobile-first subscription personal finance app positioned as a modern Mint alternative. Competes for the same digitally-native consumer with a polished iOS-first experience rather than spreadsheets.

Broad incumbents

• Rocket Money: Well-funded personal finance and subscription-cancellation service. Overlaps with Tiller in budgeting and spending visibility, but extends into bill negotiation and a broader financial-tools suite.
• Empower Personal Dashboard: Personal Capital's successor product offering free budgeting, net worth tracking, and investment analytics. Overlaps with Tiller in personal finance visibility but anchors on wealth/investment management services.

Others

• Plaid: Bank-data aggregation infrastructure provider widely used by fintech apps. Relevant because Tiller depends on Yodlee for similar aggregation; Plaid's trajectory and pricing shape the economics of the entire category Tiller operates in.

Market position

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/UseTiller

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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