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What is Tiller Money AI?

Tiller Money AI is a personal finance tool that connects your bank accounts to Google Sheets or Excel, automatically importing transactions and account data. Rather than manually entering financial information or switching between banking apps and spreadsheets, Tiller pulls your data directly from your financial institutions and organises it in a format you can analyse and customise. The tool is designed for people who want more control over their financial data than traditional budgeting apps offer, or who prefer working within spreadsheets they can modify to suit their needs. It works on a freemium model, so you can try the basic functionality at no cost before deciding whether to upgrade.

Key Features

Automatic bank data import

Connects to thousands of financial institutions and pulls transactions into your spreadsheet

Google Sheets and Excel compatibility

Works with both platforms so you can use whichever you prefer

AI-powered categorisation

Automatically sorts transactions into categories, learning from your patterns

Customisable spreadsheet templates

Access pre-built budgeting and tracking templates you can adjust

Multi-account support

Consolidate data from checking, savings, credit cards, and investment accounts in one place

Pros & Cons

Advantages

  • Full control and transparency: Your data lives in your own spreadsheet, not locked in a proprietary app
  • Flexible customisation: Build reports and analyses exactly as you need them using spreadsheet formulas
  • Works with tools you already use: Most people have Google Sheets or Excel open anyway
  • No vendor lock-in: Your financial data stays accessible even if you stop using Tiller

Limitations

  • Requires spreadsheet knowledge: Getting the most from Tiller means understanding pivot tables, formulas, and data organisation
  • Manual work for advanced analysis: Unlike automated budgeting apps, deeper insights often require you to build them yourself
  • Setup time: Initial configuration and template customisation takes longer than point-and-click budget apps

Use Cases

Detailed budget tracking for people who want to customise their categories and reporting

Small business owners tracking personal and business expenses in one place

Financial analysis and forecasting using your own spreadsheet models

People who distrust third-party apps with financial data and prefer self-hosted solutions

Complex household finances requiring coordination across multiple accounts and family members