Finman vs Tiller Money: app or bank-fed spreadsheet?

Short answer: choose Tiller if you want daily bank transactions in your own Google Sheets or Excel file and like building reports yourself; it costs $99 a year after a 30-day trial. Choose Finman if you want budgets, goals, debts, a balance forecast and an AI CFO chat ready-made, free during the open beta, and can import statement files.

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Open beta: every feature free, no card. All Finman comparisons

Both tools start from the same wish: every transaction in one place, so you can decide what to do next. They split on who does the analysis. Tiller delivers the raw data into a spreadsheet and leaves the reports to you and its templates. Finman is an app with the budgets, forecasts and an AI assistant already built on top of your data.

Every Tiller fact below comes from Tiller’s own pages; every Finman fact matches what the app does today.

Finman vs Tiller at a glance

What matters	Finman	Tiller
Price	Free during the open beta, every feature, no card. After the beta: Free $0, Pro $9/month, Family $19/month.	$99 a year after a 30-day free trial, plus another 30 days backed by a full refund.
Where you work	Web app for Android, iPhone and desktop browsers; installs to the home screen.	Google Sheets or Microsoft Excel, with Tiller templates.
How transactions arrive	Manual entry; CSV, OFX or QFX statement files from Canadian banks, Revolut and Wise; direct connection only for monobank.	Automatic bank connections update the spreadsheet each day.
Budgets and reports	Built in: category budgets with an envelope (rollover) mode, goals, debt payoff, net worth, balance forecast up to 90 days.	Prebuilt templates for budgets, expenses, debt, net worth and savings; you edit them or build your own.
Categories	From the merchant code or description keywords; your rules sort what is left in Other.	AutoCat, Tiller’s automatic categorisation for Sheets and Excel.
AI	AI CFO chat that answers from your accounts, budgets, goals, debts and transactions; monthly summary, savings plan, receipt reading.	Tiller’s AI page describes using outside assistants such as Claude or ChatGPT with your Tiller spreadsheet.
Your data	CSV export of transactions; full JSON backup.	The data lives in spreadsheet templates owned by you.

Tiller Money facts come from Tiller Money’s own pages, checked on 30 October 2026: Tiller pricing, Tiller features, Tiller home page, AI and Tiller. Prices and plans change, so check the vendor’s site before you pay. Finman facts are listed below.

Where Tiller is the better choice

You want a hands-off daily feed. Tiller’s automatic bank connections refresh the sheet each day. Finman connects live only to monobank, so most users import a statement file from online banking.
You think in formulas. Any pivot, chart or rule you can build in Google Sheets or Excel is available, and Tiller’s templates give you a starting point.
You want the file itself. Your history sits in a spreadsheet you own, which you can copy, share or archive like any other file.
You already use an AI assistant. Tiller’s AI page is built around pointing Claude or ChatGPT at your own sheet.

Where Finman is the better choice

You want the analysis done for you. Category budgets with a flag at 80% spent, savings goals, debt payoff tracking, subscription detection and a forecast of your balance up to 90 days ahead are part of the app.
You want to ask questions in plain words. The AI CFO chat reads your accounts, budgets, goals, debts and transactions before it answers, and writes a monthly summary and a savings plan. More on how this compares with other tools in our AI finance app round-up.
Your money is in more than one currency. Each account keeps its own currency and totals convert to your base currency; see multi-currency budgeting.
You handle money on your phone. Finman installs to the home screen, reads receipt photos from the camera and keeps offline entries until the connection returns.
You want to start at $0. Every feature is free during the open beta, with no card.

See your budget without building it

Import one bank statement and Finman sorts it into categories and draws a balance forecast; budgets take a few clicks on top. Free during the open beta, no card.

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The real decision: who maintains the analysis

A spreadsheet stays useful as long as someone keeps its categories, ranges and formulas in order. People who enjoy that work get a tool with no ceiling. People who find it a chore often stop opening the file after a few months, and the budget goes quiet with it.

Finman moves that upkeep into the app. One Apply rules click files the expenses left in Other by your category rules, budgets and subscriptions update from the transactions, and the AI CFO reads the current numbers each time you ask. The trade is that you work inside Finman’s structure. If you are still deciding between the two approaches in general, read spreadsheet vs budgeting app.

Tiller or Finman: answer the questions in order and stop at the first yes.

Moving from Tiller to Finman

Create a free account at app.finman.money with email or Google.
Add your accounts, each in its own currency.
Download recent statements from online banking as CSV, OFX or QFX, or download your Tiller Transactions sheet as a CSV file.
Use Import statement. The wizard detects the columns, shows every row with its mapping, flags duplicates and only then writes to the account you choose. Details in our CSV import guide.
Set a category rule once; one Apply rules click sorts the matching expenses left in Other.

You can keep the Tiller sheet as an archive. Finman does not need it after the import.

Finman facts used in this comparison

Checked against the app, October 2026

Status: open beta at app.finman.money; sign up with email or Google. During the beta every feature is free and no card is asked for. After the beta the plans are Free ($0), Pro ($9/month) and Family ($19/month).
Getting transactions in: Manual entry; CSV, OFX or QFX statement files from RBC, TD, Scotiabank, BMO, CIBC, Tangerine, Wealthsimple Cash, EQ Bank, Revolut and Wise; direct connection only for monobank. The import wizard shows every row with its column mapping and flags duplicates before anything is saved.
Categories: from the merchant category code (monobank statements carry one) or keywords in the description; your own rules sort what is left in Other with one Apply rules click.
Budgets: Monthly, weekly or custom budgets per category; an envelope (rollover) mode; a flag at 80% spent or when the pace will break the budget.
Planning: Savings goals, debt payoff tracking, subscription detection, net worth, investments with Stooq prices, balance forecast up to 90 days ahead.
Currencies: Each account keeps its own currency; totals convert to your base currency.
Household: Family sharing for up to 5 members: shared household accounts and budgets, a private spending view for each person, split expenses.
AI: AI CFO chat that answers from your accounts, budgets, goals, debts and transactions; monthly summary, spending insights, savings plan, receipt photo reading. It runs on an OpenAI GPT model through Finman’s own ChatGPT account, and your data goes to the model only after you open the AI page or send a message. Budgets, accounts and imports work without it.
Your data out: Export transactions to CSV or the whole account to a JSON backup. Data requests go to privacy@finman.money.
Where it runs: One web app for Android, iPhone and desktop browsers; installs to the home screen. Store versions are not published yet. Entries made offline sync when the connection returns.

Sources: Finman features, About Finman and the plans on the home page.

Who should pick which

Pick Tiller if you think in spreadsheets, want a daily automatic feed into a file you own, and are happy to maintain your own reports for $99 a year.
Pick Finman if you want budgets, goals, debts, a forecast and an AI CFO chat without building them, work in more than one currency, or want to start free.
A quick test: if fixing a broken formula on a Sunday sounds fine, Tiller. If it sounds like the moment you would quit, Finman.

Frequently Asked Questions

Is Finman a good alternative to Tiller Money?

Yes, if you want budgets, goals, debt plans, a balance forecast and an AI CFO chat without building them in a spreadsheet. Stay with Tiller if a daily automatic bank feed into your own Google Sheets or Excel file matters most to you.

How much does Tiller cost compared with Finman?

Tiller’s pricing page lists $99 a year after a 30-day free trial. Finman is free during the open beta with every feature and no card; after the beta the plans are Free at $0, Pro at $9 a month and Family at $19 a month.

Does Finman connect to my bank automatically like Tiller?

Finman connects directly only to monobank. For RBC, TD, Scotiabank, BMO, CIBC, Tangerine, Wealthsimple Cash, EQ Bank, Revolut and Wise it imports the CSV, OFX or QFX file you download from online banking, and manual entry is always available.

Can I get my data out of Finman into a spreadsheet?

Yes. Finman exports transactions to CSV and the whole account to a JSON backup, so you can open your history in Google Sheets or Excel at any time.

Does Tiller have AI?

Tiller’s AI page describes using outside assistants such as Claude or ChatGPT to answer questions about your Tiller spreadsheet. Finman has its own AI CFO chat inside the app, which answers from your accounts, budgets, goals, debts and transactions.

Can I import my Tiller transactions into Finman?

Download the Tiller Transactions sheet as a CSV file and use Import statement in Finman. The wizard detects the columns, lets you correct the mapping and flags duplicates before anything is saved.

Your budget, without the formulas

Bring a statement file to Finman and ask the AI CFO the questions you would otherwise build a sheet for.