Software versus a spreadsheet pipeline
Tiller's homepage describes syncing accounts into spreadsheet templates you own, including budget, expense, debt, net worth and savings templates and free community templates. PocketSmith is a hosted app with a calendar, projections and dashboards. The trade is control and flexibility against convenience.
This is research from official vendor pages read on 29 October 2026, not firsthand testing; we have not tested live bank feeds, forecasts or exports. Vendor pages describe what a product offers, not how well it works for you.
Side-by-side from official pages
USD, as listed on 29 October 2026; tax may apply.
| Point | PocketSmith | Tiller |
|---|---|---|
| Format | Hosted app with calendar, budgets, dashboards | Bank data synced into spreadsheet templates you own |
| Price | $9.99 to $39.95/month by tier and billing; Free tier available | $99/year after trial; no monthly price shown |
| Trial | No trial listed; 14-day money-back guarantee | 30 days free, then another 30 days with full refund |
| Forecasting | Daily balances, 6 months to 60 years by tier | Not described on pages read; depends on your spreadsheet |
| Bank coverage | Caps of 6, 18 or unlimited connections by tier | Providers and countries not stated on pages read |
| Skills needed | Data entry of recurring items | Comfort editing a spreadsheet |
How we would choose
If you already maintain a spreadsheet that works, Tiller's pitch is removing manual entry while keeping your own formulas. If you do not enjoy spreadsheets, an app with built-in projections will likely feel less like a project. Confirm your institutions connect before paying for either.
Our existing guides on choosing between an app and a spreadsheet and on rehearsing an export apply to both.
Gaps
We could not verify from Tiller's pages which bank providers and countries it supports, so we make no claim on that. Its pricing page says your card isn't charged until the end of the free trial, which means a card is collected at sign-up.
Questions before you decide
Is Tiller an app?
Its homepage says it feeds spending, income, debt and balances into private spreadsheet templates owned by you, and names Google Sheets and Excel. Sign-up uses a Microsoft or Google account.
What does Tiller cost?
Its pricing page says after 30 days Tiller is $99 per year, with no monthly price shown, a card not charged until the trial ends, and another 30 days backed by a full refund.
Follow the sources
- PocketSmith official plans page Checked Oct 29, 2026
- Tiller official homepage Checked Oct 29, 2026
- Tiller official pricing Checked Oct 29, 2026
Provider terms can change. Recheck the linked source before applying or subscribing.