Copilot Money vs Tiller Money
Side-by-side comparison of features, pricing, ratings, and alternatives.
Copilot Money is a personal finance app that links bank, credit, and investment accounts to automatically categorize transactions, track budgets with rollover, and monitor net worth. It uses AI-assisted automation to recognize spending patterns, detect subscriptions, and surface monthly cash flow summaries without manual entry.
Tiller Money brings automated bank and credit card feeds into a private Google Sheets or Excel spreadsheet, giving users full control over their budget's structure while removing the manual work of entering transactions. Pre-built templates cover budgeting, net worth tracking, expense reporting, and small-business bookkeeping, and can be customized like any spreadsheet. Daily automation pulls in new transactions each morning, and the AutoCat feature learns categorization rules over time so recurring merchants are tagged automatically. A companion daily email digest, called Hello Money, summarizes account balances and recent activity, and the single subscription tier includes a 30-day free trial with no separate monthly plan.
- Clean automation reduces manual transaction entry
- Combines budgeting and investment tracking in one app
- Budget rollover rewards underspending in a category
- Privacy-focused, no-ads positioning
- Full control over budget structure and formulas since everything lives in a real spreadsheet, not a locked app.
- Single, transparent flat-rate pricing with no upsells to higher tiers or hidden feature gates.
- Data ownership means spreadsheets can be backed up, duplicated, or exported without vendor lock-in.
- AutoCat and daily feeds remove most of the manual transaction entry that spreadsheet budgeting traditionally requires.
- Paid subscription required after the trial, no permanent free tier
- Apple-only platform support (iPhone, iPad, Mac, web)
- Relies on linked account data accuracy from bank connections
- Requires comfort with spreadsheets; users who dislike Excel or Google Sheets will find the learning curve steeper than an app.
- No standalone mobile app; budgeting happens through the Google Sheets or Excel mobile apps instead.
- Less automated guidance (like Simplifi's Spending Plan or Empower's retirement projections) since the analysis is left to the spreadsheet templates.
More alternatives & similar tools
Alternatives to Copilot Money
View all →
All‑in‑one personal finance app for budgeting, net worth, and shared money management
Free net worth, budgeting, and retirement planning dashboard, formerly known as Personal Capital.
Automatically updated spreadsheet budgeting in Google Sheets or Excel, with daily bank feeds.
Alternatives to Tiller Money
View all →The Verdict
AI-generated from listing dataCopilot Money offers a native, all‑in‑one mobile budgeting app with AI automation, while Tiller Money gives spreadsheet power and data ownership but requires spreadsheet comfort.
Key differences
- •Platform: Copilot is iOS/macOS (mobile‑first); Tiller lives in Google Sheets/Excel (web‑based, no native app).
- •Data control: Tiller stores data in the user’s own spreadsheet; Copilot keeps data in its service.
- •Automation style: Copilot auto‑categorizes and rolls over budgets; Tiller provides auto‑cat but leaves formulas and reporting to the user.
- •Setup complexity: Copilot is plug‑and‑play via bank links; Tiller needs spreadsheet setup and formula familiarity.
Pricing & value
Both are subscription‑based, but Tiller’s flat annual fee covers unlimited accounts with no tiered upsells, offering clearer value.
Ease of use / learning curve
Copilot’s mobile UI and AI automation require minimal setup; Tiller demands spreadsheet knowledge and manual template handling.
Features & depth
Copilot includes built‑in net‑worth aggregation, subscription alerts, and visual cash‑flow summaries; Tiller relies on user‑built formulas for similar insights.
Integrations & ecosystem
Copilot integrates bank and investment accounts via Plaid directly; Tiller integrates only through bank feeds into Sheets/Excel.
Collaboration
Tiller’s spreadsheet can be shared and edited by multiple users; Copilot is a personal‑only mobile app.
Scalability
Tiller’s flat‑rate model and spreadsheet format scale to many accounts without extra cost; Copilot adds cost per subscription regardless of account count.
Support
Both provide email support and a help center; no difference in support channels.
Security & privacy
Copilot markets itself as privacy‑focused with no ads; Tiller stores data in user‑controlled spreadsheets, but vendor privacy claims are not specified.
Migration / lock‑in
Tiller’s data lives in a user‑owned spreadsheet, easy to export; Copilot’s data resides in its service, creating potential lock‑in.
Choose Copilot Money if…
Individuals who want a simple, mobile‑first budgeting app with AI automation and don’t need spreadsheet flexibility.
Choose Tiller Money if…
Spreadsheet‑savvy users who value data ownership, collaboration, and a flat‑rate unlimited‑account model.
Common questions
Which tool is cheaper for multiple bank and investment accounts?
Tiller Money offers a single flat annual subscription covering unlimited connected accounts; Copilot requires a paid subscription per user regardless of account count.
Can I use the app on Android or Windows devices?
Copilot Money is Apple‑only (iPhone, iPad, Mac, web); Tiller works on any device via Google Sheets or Excel web/mobile apps.
Do I retain full ownership of my financial data?
With Tiller, data lives in your own spreadsheet, which you can back up or export; Copilot stores data in its service, so ownership is less clear.