Who wrote this: the team that makes SIMPL, so read it knowing we sell one of the two apps. Every fact about Tiller links to where we read it, on 2026-10-19. Where Tiller is the better choice, we say so.

Tiller vs SIMPL

Bottom line: Tiller is $99 a year and feeds your bank data into your own Google Sheet or Excel workbook. SIMPL is $199 once and is a finished app, not a spreadsheet. Spreadsheet people should stay on Tiller.

Our read

It depends on the job

Tiller is for people who want their own spreadsheet with bank data flowing into it. If you love building sheets, stay. If you want a finished budget app you pay for once, SIMPL is about two years of Tiller.

Can it pay for itself?

SIMPL is $199 once, about $17 a month over its first year. Its Drain Guard reads your expenses (from a linked bank, an imported statement, or ones you type in), finds the charges that repeat, and adds them up by the month. Keep or Cut then walks you through them one at a time. Cancel $17 a month of charges you'd forgotten about and SIMPL has paid for itself inside the first year, before you count the Tiller bill you'd stop paying.

It depends on what you find and what you cancel, so we don't promise a number.

What Tiller is

Spreadsheet enthusiasts who would rather customize their own spreadsheets than learn a new budgeting app. finder.com

Price: $99 a year, after a 30-day free trial and then 30 more days backed by a full refund. No monthly plan. tiller.com

Where it runs: Works inside Google Sheets or Excel (Excel needs Microsoft 365 or Excel Online), plus the web-based Tiller Console. No native phone app.

Where Tiller is strong

Your spreadsheets live in your own Google Drive. Tiller says it does not own or store any of your spreadsheets in its database. help.tiller.com
Bank transactions are filled into Google Sheets or Excel automatically and 'Updated Each Day'. tiller.com
With 2026's Direct Fills, new transactions land in the Google Sheet as soon as linked accounts refresh, with no button to press. tiller.com
Finder lists flexible budgeting templates and auto-categorized transactions as pros, and says Tiller connects to 21,000 institutions through Yodlee. finder.com

What reviewers say it lacks

There is no native mobile app, and some customers report a learning curve if they aren't comfortable with spreadsheets. finder.com
Finder rates the Excel version as limited. Tiller confirms that Direct Fills, AI Suggest and Data Cleanup work only in Google Sheets for now. tiller.com
It doesn't connect with non-US banks. finder.com
It has no investment tracking, it is subscription only, and setup takes significant work at the start. machow2.com

What SIMPL is

SIMPL is a budgeting and money app you buy once for $199. It is the same money engine as the Vault inside Nexa, sold on its own.

What it does

A zero-based budget: give every dollar a job on payday, with envelopes for the irregular costs.
Savings goals, each with its own progress, and a debt payoff plan.
A subscription tracker (Drain Guard) that finds charges repeating every month and lets you Keep or Cut each one.
Receipt capture with the phone camera; receipts become expenses.
Profit and loss, balance sheet and cash flow, for anyone who also earns freelance or side income.
Works offline, with a Spanish interface.

What it doesn't

No investment tracking. If watching a brokerage or retirement portfolio is the job, SIMPL is the wrong tool.
Without Cloud Sync it lives on one device. Cloud Sync is optional at $4.99 a month (the first three months are included).
No hosted support desk: it is software you own and run yourself.

What each costs, at today's prices

Tiller's price as listed on tiller.com on 2026-10-19 (the only plan). No price rises are assumed: these are today's prices multiplied by the years.

Over	Tiller	SIMPL
1 year	$99	$199
2 years	$198	$199
3 years	$297	$199
5 years	$495	$199

At $99 a year, SIMPL's $199 equals about 2.0 years of Tiller. If you'd only use a budgeting app for a year or two, Tiller costs less.

Who should stay on Tiller

Stay if you live in Google Sheets and want bank data flowing into a spreadsheet you own and can rebuild however you like. finder.com

Who SIMPL suits better

You do not want to build or maintain a spreadsheet, and you want a phone-friendly app with the budget already built.

Moving from Tiller to SIMPL

Getting your data out of Tiller: No export step is needed: the data already sits in your own Google Sheet or Excel workbook. Tiller's help shows making a full copy through File > Make a copy. Excel workbooks live in your OneDrive or on your computer, and you can copy them with 'Save as'. help.tiller.com

What SIMPL can bring in:

Bank and card transactions: CSV, OFX, QFX. In SIMPL: Bank → Import CSV.
Any other spreadsheet of spending: CSV with a date, a description and an amount. In SIMPL: Bank → Import from YNAB / Mint / CSV.

Questions people ask before switching

Can I bring my Tiller data into SIMPL?

No export step is needed: the data already sits in your own Google Sheet or Excel workbook. Tiller's help shows making a full copy through File > Make a copy. Excel workbooks live in your OneDrive or on your computer, and you can copy them with 'Save as'. SIMPL imports bank downloads (CSV, OFX or QFX) and any spreadsheet of spending with a date, a description and an amount.

Does SIMPL track investments like Tiller?

No. SIMPL has no investment tracking: it covers budgets, goals, debt payoff, subscriptions, receipts and money reports. If you track a portfolio, keep a tool that does.

Do I need a subscription for SIMPL?

No. SIMPL is $199 once. Cloud Sync, which keeps it on more than one device, is optional at $4.99 a month, and the first three months come with the purchase. Without it SIMPL runs on one device and works offline.

Does SIMPL need my bank login?

No. You can bring in the files your bank lets you download (CSV, OFX or QFX). SIMPL can also connect to your bank directly if you choose to.

Is Tiller cheaper than SIMPL?

Over one year, yes: $99 against $199. SIMPL costs the same as about 2.0 years of Tiller at today's price, and nothing after that.

$199 once. No subscription.

Get SIMPL: $199

Sources

Checked 2026-10-19. Prices change; the vendor's page is the final word.