Bills AI vs Tiller Money
AI Analysis or Spreadsheet Budget
Tiller pushes transactions into your Google Sheets / Excel daily — great if you love spreadsheets. Bills AI reads your bank statement PDF and gives you AI-powered insights with no setup, no formulas, no bank linking.
Pick the One That Matches How You Work
AI Did It For You
Bills AI categorizes transactions, finds forgotten subscriptions, and surfaces insights automatically. No formulas, no rules, no spreadsheet template to maintain.
30 Seconds Per Audit
Tiller sets you up with a template, then you spend weeks tweaking categories. Bills AI takes a PDF and gives a categorized breakdown in 30 seconds. Trade-off: less control, way less time.
Cheaper Entry
Bills AI Starter $5/mo vs Tiller $79/yr ($6.58/mo). On an annual basis, Bills AI Starter at $49/yr is the cheapest in this category.
Feature-by-Feature Comparison
| Feature | Bills AI | Tiller Money |
|---|---|---|
AI-powered transaction categorization Bills AI uses GPT-4/Claude. Tiller relies on spreadsheet formulas | ||
Works without bank linking Tiller uses Yodlee aggregator. Bills AI reads PDFs directly | ||
No spreadsheet skills required Tiller's value depends on your Google Sheets / Excel ability | ||
Out-of-box financial health score Tiller gives you data; you build the dashboards yourself | ||
Lives in Google Sheets / Excel Tiller's superpower for spreadsheet power users | ||
Daily auto-import to your sheet Tiller pushes new transactions daily; Bills AI is on-demand | ||
Customizable templates / charts Tiller has a library of community templates | ||
Forgotten subscription detection (AI) Bills AI auto-detects; Tiller requires you to build the filter | ||
Lower price point Bills AI Starter $5/mo vs Tiller $6.58/mo effective | ||
Free plan Bills AI: 1 full scan/mo. Tiller: 30-day trial only |
Pricing
Bills AI
- AI does the heavy lifting
- No bank linking, no Yodlee
- Real free plan
- Works worldwide
Tiller Money
- Lives in Google Sheets / Excel
- Yodlee bank linking required
- Steep spreadsheet learning curve
- 30-day trial only, no free plan
Frequently Asked Questions
Bills AI vs Tiller — which fits which user?
Tiller is for spreadsheet lovers who want to own every category, formula, and chart in Google Sheets / Excel. Bills AI is for people who want AI to do the categorization and surface insights in a normal UI — no spreadsheet skills required. Different audiences entirely.
Does Tiller use bank linking?
Yes — Tiller uses Yodlee to fetch transactions and push them into your spreadsheet daily. Bills AI doesn't use Yodlee, Plaid, or any aggregator — you upload PDFs manually.
Is Bills AI cheaper than Tiller?
Tiller is $79/year ($6.58/mo effective). Bills AI Starter is $5/mo ($49/yr — actually cheaper annually). Pro is $12/mo. So Bills AI Starter is the cheapest entry point.
Can Bills AI export to Google Sheets like Tiller?
Bills AI can export transaction data to CSV (which imports into Sheets / Excel in one click). It doesn't push to Sheets daily the way Tiller does, but the AI-categorized CSV is often more useful as a starting point than raw bank data.
Is Tiller's spreadsheet-based approach actually safer?
Not really — Tiller still uses Yodlee to fetch data, so your bank credentials are stored at a third party. The 'safety' of a spreadsheet vs an app is more about user comfort than actual data security. Bills AI is the only option here that genuinely doesn't store or fetch via your bank credentials.
Review the Same Statement Three Ways
Compare Bills AI on its workflow, evidence, and privacy model—not unsupported ratings or savings claims.
Bills AI groups recurring charges from the uploaded statement so you can decide which services are still useful.
Fee transactions are highlighted in context, making each result easy to verify against the original statement.
Category summaries turn a long statement into a smaller set of spending decisions without requiring a live bank connection.
AI Insights Without the Spreadsheet
No formulas to maintain, no template to customize. Upload one statement, get a categorized breakdown in 30 seconds.
No spreadsheet skills needed • No bank login • 1 free scan