Tiller alternatives

4 tools to consider instead of Tiller, shown against it.

Tiller Lunch Money YNAB Empower Personal Dashboard Actual Budget
Vendor Tiller Money, Inc. Lunch Money YNAB (You Need A Budget LLC) Empower (Empower Annuity Insurance Company of America) Actual Budget (open source project)
Pricing model Subscription Subscription Subscription Free Open source + paid options
Free tier No No No Yes Yes
Deployment Cloud Cloud Cloud Cloud Cloud, Self-hosted
Open source No No No No Yes (MIT)
Best for Spreadsheet-comfortable users who want automated data feeds into a fully customizable budget workbook rather than a fixed app UI. Multi-currency, crypto-holding, or developer-minded users who want API access to their budgeting data. People who want to actively change spending habits through structured, envelope-style budgeting rather than passive expense tracking. Investment-focused households who want free portfolio and retirement analytics, with the option of paid managed advisory services. Privacy-conscious, self-hosting-comfortable users who want YNAB-style envelope budgeting without a subscription or third-party data custody.
Pricing

Single annual subscription with a 30-day free trial and a money-back guarantee; no permanent free tier.

Tiller $99/year

Prices read from the vendor's own page on September 21, 2026. Vendors change prices; check the source before you budget.

Paid monthly or annual subscription with a free trial period; no permanent free tier.

Pricing has not been verified yet — see the vendor's site.

Single subscription plan billed monthly or annually, with a 34-day free trial and no credit card required to start.

YNAB $14.99/month or $109/year

Prices read from the vendor's own page on September 21, 2026. Vendors change prices; check the source before you budget.

The Personal Dashboard tools are free; Empower charges asset-based advisory fees only for clients who opt into its separate managed portfolio service.

Pricing has not been verified yet — see the vendor's site.

Free, open-source software; self-hosting costs only the user's own server or third-party host fees, with no vendor subscription.

Pricing has not been verified yet — see the vendor's site.

Features
  • Automated daily transaction and balance feeds into Google Sheets or Excel
  • Prebuilt and community budgeting/net-worth templates
  • Full spreadsheet-level customization of categories and formulas
  • Linked bank, credit, and investment accounts
  • Net worth tracking over time
  • Multi-currency support
  • Data stays in the user's own Google or Microsoft account
  • Linked bank, credit, and investment account aggregation
  • Native multi-currency support
  • Cryptocurrency account tracking
  • Category budgeting and recurring-transaction detection
  • Net worth tracking
  • Manual CSV import for unsupported accounts
  • Public developer API
  • Zero-based budgeting (assign every dollar a job)
  • Linked bank and credit card import plus manual entry
  • Category-level savings and debt-payoff goals
  • Shared household budgets
  • Net worth and spending reports
  • Age of Money and overspending tracking
  • Free educational workshops and in-app guidance
  • Linked bank, credit, loan, and investment account aggregation
  • Net worth and cash-flow tracking
  • Retirement planner with scenario projections
  • Investment checkup and asset-allocation analysis
  • Investment fee analyzer
  • Portfolio performance and holdings view
  • Budgeting and spending categorization
  • Zero-based, envelope-style budgeting
  • Local-first storage with end-to-end encrypted sync
  • Self-hosted sync server (Docker/Node.js) or third-party hosting
  • Bank-linked import in supported regions, manual CSV import elsewhere
  • Multi-device sync
  • Budget and spending reports
  • Multi-currency support
  • No account required to use the desktop app standalone

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