Tiller Pricing: Cost of Tiller Money, How Much Is Tiller Money and the Free Trial

Tiller costs $99 a year. The FAQ describes it as "$99/year, just $8.25/month", but $8.25 is the annual price divided by twelve rather than a monthly billing option. You pay $99 once when the 30 day free trial ends, and again each year at renewal, plus sales tax where your state charges it.

That single number buys the whole product. The subscription includes Tiller Money Feeds (the add-on for Google Sheets and the add-in for Excel that pulls in your transactions and balances each day), the Foundation Template, AutoCat categorization rules, a daily email summary of your accounts, support by email and chat, and the free templates published by the Tiller Community. Nothing on the pricing page or in the FAQ is sold separately.

No. Tiller sells an annual subscription only, and neither its pricing page nor its FAQ lists a month to month option. If you want to pay monthly, Monarch, YNAB and Copilot all offer it, at $14.99, $14.99 and $13 a month respectively, although each of those costs more over a full year than its own annual plan.

The annual-only model matters most if you are unsure the spreadsheet approach suits you. The protection Tiller gives instead is time: 30 days of trial, then a further 30 days after the charge in which you can ask for the full $99 back. That is longer than a monthly plan would give you to change your mind at the same risk.

Yes. Tiller is free for the first 30 days, and the FAQ says the trial "isn't limited or throttled in any way", so you get the bank feed, every template and support. If you cancel during the trial, the data and templates you downloaded are yours to keep, because they sit in your own Google Sheets or Excel file.

To make the trial useful, connect every account on the first day, let a full month of spending flow in, and test the exact reports you rely on today. A trial spent only looking at the Foundation Template tells you little. A trial spent rebuilding your monthly budget and one tax category summary tells you whether you will still be maintaining the sheet in March.

Tiller says it validates your card as one of several steps in confirming that you own the financial accounts you link. The card is not charged until the trial ends. To avoid the $99 charge, log in to the Tiller Console and cancel before day 30; Tiller describes that as a single click.

If you forget, the FAQ says support will reverse the charge and cancel the subscription, provided you ask within 30 days of the payment. Set a calendar reminder for day 25 anyway. Refund requests are easy, but they are still an email you would rather not write.

Yes, within 30 days of payment. Tiller's FAQ says you can request a full refund for up to 30 days after you are charged and that there are no refunds after that. Combined with the 30 day trial, Tiller points out, that gives you about 60 days to test the service before the $99 is final.

One detail worth knowing: the pricing page also carries a guarantee that if Tiller is not helping you feel more confident about your money, you can contact support "anytime" for a full refund. The FAQ's written refund policy is the more specific statement, so plan around the 30 day window rather than counting on the broader wording later in the year.

Yes, in states that require it. Tiller's FAQ says sales tax is added to your invoice when the free trial ends or when you renew. The $99 headline price does not include it, so in a taxing state your first charge will be slightly higher than $99.

Tiller's pricing page and FAQ list no coupon code, student price or first-year promotion; the only price shown is $99 a year. That is different from Quicken and Monarch, which both advertise first-year discounts that renew at a higher rate. With Tiller, the price in year one is the price in year five unless Tiller changes it.

The closest thing to a discount is how far one subscription stretches. It covers up to five linked spreadsheets and unlimited personal bank accounts, and a spouse or financial planner can share the same sheet through normal Google or Microsoft sharing at no extra charge. A couple who would otherwise pay for two app logins pays once.

Partly, and it is changing. Tiller's feed has always brought in brokerage balances. In September 2026 Tiller announced Investments (Beta), which adds a Holdings sheet with your current positions and a Holdings History sheet that records how those positions change over time. It works only in Google Sheets for now; Tiller says Excel support is planned.

Two cautions for a buyer. First, beta users get full access, and Tiller says it will "share more information about access" after the beta ends, so do not assume holdings will stay inside the $99 plan. Second, holdings data is raw material. Cost basis reports, capital gains and dividend income by security are formulas you build yourself, which is the main reason investors stay on Quicken. Our Tiller vs Quicken comparison goes through that gap in detail.

On annual billing Tiller sits in the middle of the market. At $99 a year it costs about the same as Monarch Core at $99.99, less than YNAB at $109, and more than Copilot at $95 or Quicken Simplifi after its promotion at $83.88. What separates them is not price but form: Tiller is a spreadsheet you build, and the others are finished apps.

The five-year column assumes each vendor keeps today's price, which none of them promises. Quicken's Simplifi and Classic figures are first-year promotional prices for new members ordering directly from Quicken by October 24, 2026; Classic then renews at "then-current rates", so we do not project it. Monarch also runs a first-year code for new annual Core members. Tiller has no promotion, which makes its five-year number the most predictable in the table.

If you are weighing Tiller against one specific app, we have head-to-head pages with the full feature detail: Tiller vs Monarch Money, Tiller vs YNAB and Tiller vs Quicken. For the others' price lists on their own, see Monarch Money cost and Copilot Money cost.

Tiller is worth $99 a year if you already manage money in spreadsheets and want the bank data to arrive on its own, or if you want one file you fully control that a partner or planner can open. It is not worth it if you want a phone-first app, per-security investment reports, or bill pay, because you would be paying $99 to build what Monarch, Simplifi or Quicken already ship.

A practical way to decide: list the three views you actually open every month. If they are spending by category, a budget against actual, and a net worth total, Tiller's Foundation Template covers them on day one and you can reshape them as much as you like. If one of them is a Schedule C summary, a rental property report or capital gains by lot, count the hours you would spend building and maintaining it. At almost any hourly rate, that time costs more than the difference between Tiller and a finished app.

The subscription is $99 a year, but the hidden cost for a Quicken user is the history. Tiller pulls up to 90 days of transactions when you connect an account, and it has no Quicken import. Anything older has to be loaded through Tiller's CSV Importer, and Quicken does not export CSV transaction files the way Tiller expects.

Quicken Classic for Windows exports history as a QIF file, a tagged text format that Google Sheets and Excel open as one long column of codes. (Our guide on how to export a QIF file from Quicken covers the steps, including the Mac workaround.) Upload that QIF to the converter at the top of this page and it rebuilds the history as rows with three columns, Date, Description and Amount, which is the shape Tiller's importer asks for. Memo and check numbers are appended to the description, and splits are combined into one amount per transaction, so let AutoCat assign categories after the import rather than expecting Quicken's categories to carry over.

You can test the conversion on three files of up to 100 transactions each with a free QIFQBO account. CSV and Excel output, larger files and batches of several accounts at once are on paid plans, which suit a one-time move of a Quicken file that holds ten or twenty years. For a single account, the QIF to CSV converter page explains the output format column by column; if you would rather work in a workbook first, use the QIF to Excel converter.

Order matters. Export QIF while your Quicken membership is still active, run Tiller's trial with your accounts connected, import the converted history, then set categories once across the full date range. Cancel Quicken last. Quicken's data access guarantee keeps Deluxe and higher files viewable and exportable after the membership lapses, which we explain in what happens when a Quicken subscription expires.

Your spreadsheet stays where it is, because it is your own file in Google Drive or OneDrive, not a copy held by Tiller. What stops is the daily bank feed, so new transactions no longer arrive and balances stop updating. Your categories, formulas and history remain usable.

That is the strongest argument for Tiller on cost. When you stop paying Monarch or Copilot, the app goes away and you keep only the CSV you remembered to export. When you stop paying Tiller, you keep the finished workbook. If you later want the business half of that history in QuickBooks, the same records can be moved there; our QIF to QuickBooks Online page covers that route for anything still in QIF form.

Pay for Tiller if you are a spreadsheet budgeter who is tired of downloading bank files by hand, a couple who wants one shared file across different computers, or a former Mint or Quicken user who wants control of the categories and a record you keep forever. Skip it if you want a polished phone app, bill pay, or investment reporting you do not have to build.