Okane vs Tiller
Last updated: May 3, 2026
Recommendation
Both apps refuse the standard 'budget in our cloud' pattern — they put the data in a spreadsheet on the user's Google Drive (Tiller also supports Excel). The difference is shape. Okane is a phone-first envelope budgeting app where the Sheet is the database the app reads and writes. Tiller is a transaction pipeline that drops data into a Sheet you build out yourself, with prebuilt templates as a starting point. Okane is $0 (free tier) or $5/month; Tiller is $79/year.
Choose Okane Budgeting if…
You want a phone app, you want envelope/zero-based budgeting on rails, you don't want to design a spreadsheet, and you want a free tier.
Choose Tiller if…
You want full control over the spreadsheet layout, you live in Sheets or Excel, you don't need a polished mobile app, and you don't mind paying $79/year for the automation.
Pricing
| Okane Budgeting | Tiller | |
|---|---|---|
| Pricing | Free tier · $5/mo · $60/yr | $79/yr |
| Verification | Verified | Verified |
Feature comparison
| Okane Budgeting | Tiller | |
|---|---|---|
| Bank sync | Yes | Yes |
| Manual transactions | Yes | Yes |
| Envelope budgeting | Yes | Unknown |
| Zero-based budgeting | Yes | Unknown |
| Couples / shared budget | Yes | Yes |
| Google Sheets | Yes | Yes |
| CSV export | Yes | Yes |
| Recurring transactions | Unknown | Yes |
| Net worth tracking | Unknown | Yes |
Privacy
| Okane Budgeting | Tiller | |
|---|---|---|
| Summary | Budget data is stored in a Google Sheet on the user's Drive. Okane does not retain a server-side copy of the budget. AI categorization runs on-device. Bank credentials are handled by Plaid; Okane does not see them. | Transaction data flows into a spreadsheet on the user's own Google Drive or OneDrive. Tiller's role is the aggregation pipeline — the user controls the resulting data file. Tiller uses both Plaid and Yodlee as aggregators per the Tiller security page. |
| Sells data | does_not_sell | does_not_sell |
| Verification | Verified | Verified |
Tradeoffs to consider
Okane gives you envelope structure and a phone UI but no power-user spreadsheet customization. Tiller gives you raw transactions and infinite spreadsheet flexibility but no opinionated budgeting workflow. Both use Plaid for US bank coverage; Tiller also uses Yodlee.
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Other comparisons featuring these apps
Sources
- Tiller pricing page — Tiller Money. Accessed May 2, 2026.
- Tiller security page (data aggregators) — Tiller Money. Accessed May 3, 2026.
- Okane homepage — Okane. Accessed May 3, 2026.
- Okane homepage and pricing copy — Okane. Accessed May 2, 2026.