Tiller Money vs Mint 2023

If you’re tired of trying to make a monthly budget and track your personal capital on paper, online solutions offer an easy way to track your financial life.

The services import all of your financial transactions from connected bank accounts, credit cards, investment accounts, and other accounts. Using the right personal software can make it easier to reach your financial goals, as you’ll be able to identify and track all your expenses.

Of course, not all online solutions are created equally. In this Tiller Money vs Mint comparison, we’ll be comparing two similar services—one free, one paid—to see if the extra features are worth paying for.

Tiller Money is Better for:Mint is Better for:
Spreadsheet trackingMobile tracking
Daily email summariesInvestment tracking
Those familiar with Excel/Google DocsUsers with limited funds

Each piece of personal finance software offers similar key features, such as tracking personal expenses and upcoming expenses. You’ll be able to link relevant accounts and other financial products to your account, providing the software with spending data.

While both services can help you spend smarter, stay within your spending target, and allocate more funds into your savings, each one uses a different method of budgeting. This difference is likely what will sway many potential users one way or the other.

Tiller Mint
Free Features N/A Account sync, transaction tracking, balance tracking, budgeting tool, alerts/reminder, free credit monitoring, net worth calculator, mobile app, goal-setting tools
Paid Features Account sync, transaction tracking, balance tracking, budgeting tool, customizable spreadsheet, data export, daily email summary N/A
Annual Subscription Fees $79/year None
Accounts Analyzed text text
Mobile App No Yes (iOS & Android)
Best Use Personal finance and budgeting Personal finance, budgeting, and investment tracking
Current Promotion

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Modest Money Overall Rating
4.0 rating based on 5 ratings
4.0 rating based on 5 ratings

Factor 1: Free Features

First, we’ll be looking at what each platform can offer potential users for free. Finding a free service is a top priority for many people, as their current spending habits and/or debt payoff schedule may not give them the additional funds needed to pay for a subscription service.

Mint is the Better Free Option

  • Mint offers all of its services for free
  • Tiller Money
  • Mint includes credit score monitoring

Tiller Money

Unfortunately, Tiller Money Labs doesn’t offer any of its investment tracking solutions for free. However, they do offer a 30-day free trial, which gives you plenty of time to test out their approach to budgeting.

During this time, you’ll have complete control and access to your account, allowing you to preview the experience of a premium subscription. Once the trial is over, you’ll be charged $79 for the year.

It’s worth noting that Tiller Money Labs claims you can “contact support anytime for a full refund.”


Mint—a product of Intuit—offers its budgeting tool for free. Out of all the budgeting apps around, it’s the #1 most downloaded personal finance app (and for good reason!).

The mobile app easily connects with your financial accounts, such as credit card accounts, bank accounts, investment accounts, or student loan debts. Once connected, it automatically imports financial transactions, sorting each transaction as it’s imported.

You can either let Mint sort transactions into the appropriate spending category automatically, sort them manually, or create your own categories for transactions to track your monthly income and expenses.

In addition to finance tracking, Mint also includes a free credit score monitoring service, making it an excellent option for people who don’t want to spend more money to monitor their finances.

Factor 2: Paid Features

Next, we’ll look at the paid features offered by each service. Premium features can often go a long way towards helping individuals reach their savings goals, giving them advanced options to track their cash flow and predict their financial future.

However, this isn’t a universal truth, so let’s see what each service has to offer in its premium financial dashboard.

Tiller Money Provides a Premium Way to Track Monthly Spending

  • Tiller Money offers a budgeting spreadsheet
  • Mint doesn’t have a premium method of budgeting
  • Tiller Money spreadsheet budget files work with Google Sheets

Tiller Money

Whether you’re trying to track your credit union transactions, monthly savings, or other routine expenses, Tiller Money can show you your entire financial picture in one place. Using Tiller Money Feeds, your entire spreadsheet budget is automatically imported and updated on Google Sheets.

The service offers templates for spreadsheets (so you won’t have to create a Google Sheet from scratch), supports filtering by various budget categories, and can be accessed from either a desktop or a mobile device.

It’s important to note that Tiller Money doesn’t have a dedicated mobile app; you’ll be accessing your updated data via the Google Sheets mobile app.

If you’re not a fan of Google Sheets, Tiller Money also works with Excel as well.


Unlike Tiller Money, Mint’s approach to budgeting is that tracking your monthly income, monthly spending, and other types of financial accounts should be free. The positive aspect of this is you’ll never need to spend money to track your personal finances. The downside is that—should you need them—no additional services are available.

Factor 3: Subscription Costs

Those with a smaller monthly income, budget-minded individuals, and people who simply don’t want any unnecessary expenses will want to pay close attention to any ongoing subscription costs. Let’s briefly go over the expenses you can anticipate paying with each service.

Mint is Completely Free

  • Mint doesn’t charge for its service
  • Tiller Money charges a flat rate annually
  • Mint may try to upsell you on other Intuit services

Tiller Money

For instant access to budget spreadsheet tracking and sorted spreadsheet budget categories, Tiller Money charges a fee of $79 for its annual plan. Although this may be a bit higher than your preferred spending target, the expense will likely be beneficial for your financial health in the long term.


Mint doesn’t charge a thing, so you can use the service’s key features like tracking daily expenses, monthly income, and savings goals without paying. Even credit score monitoring is included for free.

The only downside is that Mint, as a part of Intuit, may occasionally try to upsell you on compatible Intuit products.

Tiller Money vs Mint: Which Service is Superior?

For the average person, Mint should be adequate to track their daily expenses. However, it does categorize transactions incorrectly on occasion, which means you’ll need to pay attention when new transactions are added.

The service is offered as a mobile app, which may be the preferred option for some users. You can sign up for Mint by heading over to their website to create a free account.

However, for people who are more serious about accurately tracking their spending and savings activity, we think that Tiller Money is the superior option. Having instant access to comprehensive spreadsheets on a desktop/laptop is crucial for accurate finance tracking, and that’s exactly what Tiller Money offers.

You can sign up for a free 30-day trial by clicking here.
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Jeremy Biberdorf

About the Author:

Jeremy Biberdorf is the founder of Modest Money. After working many years in the website marketing industry, he decided to take on blogging full time and also get his finances headed in the right direction. Also check out his contributions to Equities.com and Benzinga.