Finances vs Tiller

Updated 14 September 2026 · Tiller prices as advertised in September 2026

Tiller pipes your bank transactions into Google Sheets or Excel for an annual fee, and you build the rest yourself. Finances is a purpose-built Mac app with the views, rules and encryption already done.

Download Finances free 30-day trial. macOS. No sign-up.

Finances vs Tiller at a glance

Feature	Finances	Tiller
Platform	✓ Native macOS desktop app	✓ Google Sheets, Excel
Where your data lives	✓ On your Mac, in an encrypted SQLite database	~ Your spreadsheet in Google or Microsoft cloud
Price	✓ One-time 1.x licence, or a monthly subscription	✗ $99/year
Free trial	✓ 30 days, no sign-up	✓ 30 days
Bank sync	✓ Australian banks via Redbark (CDR), Up Bank direct, US banks via Plaid, AMEX	✓ US and Canada
File import	✓ CSV, OFX/QFX and JSON with auto-detected columns	~ Paste into the sheet
Views and charts	✓ List, bar, pie, Sankey, calendar, map, subscriptions	~ Whatever you build; templates provided
Subscription detection	✓ Automatic recurring-charge detection	~ Community templates
Auto-categorisation	✓ Bundled merchant database, optional cloud categorisation	✓ AutoCat rules
Custom rules	✓ Match on text, amount, date or merchant	✓ AutoCat
Encryption	✓ AES-256 at rest, Touch ID unlock, idle lock	~ Spreadsheet provider encryption
Works offline	✓ Fully offline (sync and cloud categorisation are opt-in)	~ Excel offline
Multi-currency	✓ Original amount and currency preserved	~ Manual
Receipts and attachments	✓ Attach receipts and files to transactions	✗ No
Budgeting	✗ Not yet	✓ Templates
Investments and net worth	✗ No	✓ Balances and net worth
Mobile app	✗ No	~ Sheets or Excel apps
Shared / household access	✗ Single user	✓ Share the spreadsheet
Data export	✓ CSV export; the database is a standard SQLite file	✓ It is a spreadsheet
AI	✓ Open SQLite file your AI assistant can query	~ Spreadsheet AI features

✓ Yes ~ Partly or with caveats ✗ No

Where Tiller wins

Unlimited flexibility if you love spreadsheets.
Sharing is as easy as sharing a sheet.
US and Canadian bank feeds into a familiar tool.

Where Finances wins

Charts, Sankey, calendar, map and subscription views without building formulas.
Encrypted local database instead of a cloud spreadsheet.
Australian bank sync and statement import.
Merchant icons, receipts and a searchable inspector.

Which should you choose?

Choose Tiller if you want to design your own system in a spreadsheet.

Choose Finances if you want a finished, private app that does the work for you.

How Finances works

Finances is a native macOS app. Import CSV, OFX or JSON statements from any bank, or sync Australian accounts through Redbark (Consumer Data Right) and Up Bank directly. Transactions are categorised by a bundled merchant database and your own rules, then explored as a list, bar and pie charts, a Sankey diagram, a calendar, a map, or a subscriptions view. Everything is stored in an encrypted SQLite database on your computer, unlocked with Touch ID.

Frequently asked questions

Can I still use spreadsheets with Finances?

Yes. Export any view to CSV and open it in Excel or Google Sheets whenever you need a custom analysis.

Does Tiller support Australian banks?

No. Tiller supports US and Canadian institutions. Finances syncs Australian banks via Redbark.

Try Finances free for 30 days

No account, no card. Your data stays on your Mac.

Download for macOS

Other comparisons

Tiller is a trademark of its respective owner and is not affiliated with The Finances App. Competitor details are based on public information as of September 2026 and may change; check the vendor's site for current pricing. Spotted a mistake? Let us know.