Richify vs Tiller
Tiller automatically syncs transactions and balances from 21,000+ banks into customizable Google Sheets and Excel spreadsheets you own, with rule-based auto-categorization (AutoCat) and a library of templates.
Feature Comparison
| Feature | Richify | Tiller |
|---|---|---|
| Net Worth Tracking (USD) | ✓ | Via spreadsheet templates |
| Automated Budgeting | Goals overview | Spreadsheet budget templates |
| Account Aggregation (auto-sync) | ✗ | Auto-syncs 21,000+ banks to sheets |
| Privacy-First (no linking) | Manual entry, no linking | Links accounts to sync |
| AI Explanations & Coaching | Built-in AI (Felix) | ✗ |
| What-If Scenario Planning | Recession, rates, Roth conversions | DIY in the spreadsheet |
| Spreadsheet Flexibility & Control | Structured app | Full Google Sheets / Excel control |
| Auto-Categorization Rules | Manual | AutoCat rule engine |
| No Spreadsheet Skills Needed | App — no spreadsheets | You manage the sheet |
| 401(k) / Roth / HSA Framing | Country-native | Template-dependent |
| Compare to US Net Worth Benchmarks | Age benchmarks (Fed SCF) | ✗ |
| Multi-Country Support | 7+ countries | US, Canada, UK bank feeds |
| Pricing | Free trial, then paid plans | $79/yr, 30-day trial, no free tier |
✅ Why Choose Richify
- •Built-in AI (Felix) that explains your finances in plain English
- •What-if scenarios: recession, rate changes, Roth conversions
- •A finished app — no spreadsheet to build or maintain
- •Privacy-first: manual entry, no bank linking required
- •Country-native framing (401(k), Roth IRA, HSA) + US net worth benchmarks
- •Multi-country support beyond US/Canada/UK
⚡ Tiller's Strengths
- •Automated sync from 21,000+ banks into Google Sheets / Excel
- •Full spreadsheet flexibility and customization
- •AutoCat rule-based auto-categorization
- •You own your data in your own spreadsheet
- •No ads, never sells your data, one flat price
- •Large library of free community templates
The Verdict
Tiller is the better choice if you want your transactions auto-synced into a fully customizable Google Sheet or Excel workbook that you own and control. Richify is the better fit if you want a structured app with built-in AI explanations, what-if planning and country-native framing — without spreadsheets or linking your bank. Choose Tiller for spreadsheet power and data ownership; choose Richify for an AI-explained app. Richify offers a free trial before paid plans.
Last reviewed: · Reviewed by the Richify team
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Try Richify — Free Trial❓ Frequently Asked Questions
Is Richify a good Tiller alternative?
It depends on whether you want a spreadsheet or an app. Tiller automatically syncs transactions and balances from 21,000+ banks into a Google Sheet or Excel workbook you fully control, with rule-based auto-categorization (AutoCat) and a library of templates. Richify is a structured app with built-in AI explanations, what-if scenario planning, country-native account framing and privacy-first manual entry. For spreadsheet power and data ownership, Tiller is excellent; for an AI-explained app without spreadsheets or bank linking, Richify is the better fit.
Does Tiller link to my bank?
Yes. Tiller's whole model is automated bank sync — it pulls your transactions and balances into your spreadsheet daily across 21,000+ institutions. Richify is manual-entry and privacy-first, so nothing is linked automatically.
Do I need spreadsheet skills to use Richify?
No. Richify is a finished app — you don't build or maintain a spreadsheet. Tiller, by contrast, hands you a powerful spreadsheet that you customize and manage yourself.
Does Tiller have AI explanations like Richify?
Not in the same way. Tiller is spreadsheet-based, with optional AI-suggest features inside Google Sheets, but it does not have a built-in AI assistant that explains your finances. Richify's AI (Felix) explains your net worth and scenarios in plain English.
Can I use Richify without linking my bank?
Yes. Richify never requires linking — you add accounts yourself and keep your credentials private. This is the main trade-off versus Tiller's automated sync.
Does Richify give financial advice?
No. Richify is educational — it explains, models and organizes, but does not direct you to specific products or provide personalized advice.
Comparison is educational only. Features and pricing may change. We strive for accuracy but recommend verifying directly with each service.
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