Monarch Money vs Tiller
Monarch Money vs Tiller: Polished App or Spreadsheet Control?
This comes down to how much control you want over your numbers. Monarch Money is a polished app that presents budgets, investments and net worth in a clean, unified interface. Tiller does the opposite: it feeds your bank transactions straight into Google Sheets or Excel and hands you the raw rows to build on. One hides the mechanics, the other exposes every formula.
Monarch Money vs Tiller: feature comparison
Feature comparison of Monarch Money, Tiller and Auritrack
| Feature | Monarch Money | Tiller | Auritrack |
|---|---|---|---|
| AI chat expense tracking | No | No | Yes |
| AI bookkeeping & categorization | Auto-categorization rules | AutoCat rules inside the sheet | Yes |
| Automatic bank sync | YesPlaid / MX connections | YesDaily feed into Sheets or Excel | On the roadmap; statement import today |
| Bank-statement import (PDF/CSV/Excel) | CSV import | Manual import into the sheet | YesPDF, CSV or Excel, read by AI |
| Budgeting | YesFlexible category budgets | YesPrebuilt budget templates | Yes |
| Savings goals | Yes | Via templates | Yes |
| Invoicing | No | No | Small-business records and reports |
| Receipt scanning | No | No | Yes |
| All currencies with live conversion | NoPrimarily USD | Only if you build it in the sheet | YesLive exchange rates |
| Data export (PDF/CSV) | YesCSV | YesIt is your spreadsheet | YesPDF and CSV anytime |
| Telegram tracking | No | No | Yes@auritrack_bot |
| Investment tracking | YesNet worth and holdings | Account balances only | No |
| Shared / household accounts | YesPartner included free | YesShare the sheet | Yes |
| Sells your data to advertisers | No | No | No |
| Price | $14.99/mo or $99/yr | $79/yr | Free tier + AI from $3/mo |
Which of the two should you pick?
Where Monarch Money wins
- A polished, unified interface with no spreadsheet to maintain
- Investment and net-worth tracking built in
- Household collaboration with a partner included free
- Proper mobile apps for iOS and Android
Where Tiller wins
- Total spreadsheet flexibility: your own formulas, columns and views
- Daily automatic bank feeds into Google Sheets or Excel
- You own every row of raw data outright
- A huge template library and lower price at $79/year
A third option: Auritrack
Both apps are US and Canada focused and track only in USD, and both still expect you to run bank sync. Auritrack works differently: an AI logs and categorizes your spending from a chat message or an uploaded statement, in any currency, then keeps you on budget. It runs on a free tier for manual use with AI features from $3/month, and it has no live bank sync yet, so you share a statement rather than a bank login.
The verdict
Choose Monarch if you want a finished, good-looking app and will pay $14.99/month to avoid touching a spreadsheet. Choose Tiller if you love spreadsheets, want to own the raw data, and are happy to maintain your own sheet for $79/year. If you want the budget without either a dashboard or a spreadsheet, an AI tracker like Auritrack sits between them.
Frequently Asked Questions
Want to dig into one of them on its own? Read the Monarch Money guide or the Tiller guide, each an honest look at where that tool wins and where Auritrack fits.
Comparisons reflect our understanding of each product at the time of writing and may change; check each provider’s site for current pricing and features. Product names and trademarks belong to their respective owners. This page is general information, not financial advice.