Apps where a spreadsheet — Google Sheets, Excel, or both — is part of the workflow as the source of truth, an automated transaction sink, or a first-class export.
Last updated: August 16, 2026
| Rank | App | Best for |
|---|---|---|
| 1 | Okane Budgeting | Sheet-as-database. The Google Sheet on the user's Drive IS the store — Okane reads and writes it. Mobile-first, free tier, $5/month for Plaid sync and on-device AI categorization. |
| 2 | Tiller | Sheet-as-sink. $99/year. Pipes transactions into a Google Sheet or Excel workbook the user controls. Library of prebuilt templates plus full power-user customization. |
Apps qualify if a spreadsheet is meaningfully integrated, not just a CSV export option. We split into three tiers: (1) Sheet-as-database, where the spreadsheet is the actual store; (2) Sheet-as-sink, where the app pipes transactions into a spreadsheet you build out; (3) Spreadsheet-template, where the spreadsheet is the entire product and there's no app layer. Apps without verified spreadsheet integration are excluded.
See the full methodology page for how Lumis Finance handles ranking criteria, verification, and editorial disclosure.
Mobile zero-based budgeting app backed by a Google Sheet on the user's Drive. The free tier covers budgeting, savings goals, bills, and annual analytics; $5/month Premium adds Plaid sync, on-device AI, net worth, and investment portfolio tracking.
Why it's on this list: Sheet-as-database. The Google Sheet on the user's Drive IS the store — Okane reads and writes it. Mobile-first, free tier, $5/month for Plaid sync and on-device AI categorization.
Tiller pipes daily bank transactions into a Google Sheet or Excel workbook you control. Less an app than a spreadsheet automation layer with prebuilt budgeting templates.
Why it's on this list: Sheet-as-sink. $99/year. Pipes transactions into a Google Sheet or Excel workbook the user controls. Library of prebuilt templates plus full power-user customization.
Most budgeting apps store data in a vendor cloud and offer a CSV export at best. We don't include those here unless and until a deeper spreadsheet integration is verified. Aspire Budget (Google Sheets template, no app) is a strong fit conceptually and will be added once we have a sourced profile.
Sheet-as-database means the app reads and writes the spreadsheet — edits in either place flow back to the other. Okane works this way. Sheet-as-sink means the app drops transactions into the spreadsheet and the user does whatever they want with them — Tiller works this way. Sheet-as-sink gives you more spreadsheet flexibility; Sheet-as-database gives you a tighter app workflow.
Tiller supports both Google Sheets and Excel. Okane is Google Sheets only. Aspire Budget (when added) is Google Sheets only.
For Okane and Tiller, yes — the file lives on the user's Google Drive (or OneDrive for Tiller + Excel). If the company disappears, the spreadsheet stays. This is the architectural property worth caring about; it's distinct from data export, which most apps offer but which isn't the same as actually owning the working file.