PocketSmith vs Tiller
PocketSmith vs Tiller: Forecasting App or Spreadsheet?
Both feed your bank transactions somewhere and let you plan, but the "somewhere" is the whole story. PocketSmith is a self-contained app built around cash-flow forecasting and a budget calendar, with multi-currency support. Tiller pipes your transactions straight into Google Sheets or Excel and hands you the formulas. The choice is whether you want a finished forecasting tool or total spreadsheet control.
PocketSmith vs Tiller: feature comparison
Feature comparison of PocketSmith, Tiller and Auritrack
| Feature | PocketSmith | Tiller | Auritrack |
|---|---|---|---|
| AI chat expense tracking | No | No | Yes |
| AI bookkeeping & categorization | Auto-categorization rules, not AI chat | AutoCat rules inside the sheet | Yes |
| Automatic bank sync | YesBank feeds on paid plans; count varies by tier | YesDaily feed into Sheets or Excel | On the roadmap; statement import today |
| Bank-statement import (PDF/CSV/Excel) | YesCSV / OFX file import | Manual import into the sheet | YesPDF, CSV or Excel, read by AI |
| Budgeting | YesCalendar-based budgets and cash-flow forecasting | YesPrebuilt budget templates | Yes |
| Savings goals | Modelled through forecasts, not dedicated goals | Via templates | Yes |
| Invoicing | No | No | Small-business records and reports |
| Receipt scanning | No | No | Yes |
| All currencies with live conversion | YesDaily exchange-rate updates | Only if you build it in the sheet | YesLive exchange rates |
| Data export (PDF/CSV) | YesCSV export | YesIt is your spreadsheet | YesPDF and CSV anytime |
| Telegram tracking | No | No | Yes@auritrack_bot |
| Investment tracking | Tracks balances and net worth | Account balances only | No |
| Shared / household accounts | Shared access on higher tiers | YesShare the sheet | Yes |
| Sells your data to advertisers | No | No | No |
| Price | Free or from $9.99/mo | $79/yr | Free tier + AI from $3/mo |
Which of the two should you pick?
Where PocketSmith wins
- Long-range cash-flow forecasting and a budget calendar
- True multi-currency with daily exchange-rate updates
- Works globally, beyond just the US and Canada
- A free plan (manual entry) and real iOS and Android apps
Where Tiller wins
- Total spreadsheet flexibility — build any view or formula you want
- Daily automatic bank feeds into Google Sheets or Excel
- You own every row of raw data in your own sheet
- A large template library, at a flat $79/year
A third option: Auritrack
PocketSmith asks you to learn its forecasting app, and Tiller asks you to keep a spreadsheet alive — both are hands-on. Auritrack removes that upkeep: you chat a purchase or upload a statement and the AI categorizes it against a budget, in any currency. It runs a free tier for manual tracking 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 PocketSmith if you want forecasting, a budget calendar and multi-currency in a polished app, or a free manual tier to start. Choose Tiller if you love spreadsheets and want your transactions in Sheets or Excel with full control. If maintaining either sounds like too much, an AI tracker like Auritrack does the categorizing for you.
Frequently Asked Questions
Want to dig into one of them on its own? Read the PocketSmith 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.