The basic plan is the free version, and it shows. PocketSmith is a deluxe personal finance app with three plans, one of which is free: Once the trial ends, Tiller costs $79 per year. You can cancel at any time without penalty during this period. Tiller Money offers a risk-free trial for 30 days from sign-up.
If you manage your finances jointly with a spouse, domestic partner, roommate, co-parent, or anyone else or have a professional financial planner evaluate your cash flow from time to time, you’re free to share your spreadsheets securely with them. Tiller offers an optional email alert feature that serves up a daily digest of your transaction activity to your inbox. And you can always manually recategorize synced transactions if you’re not satisfied with your current spending categories. You’re always in control of your own categorization rules and color scheme, so your spreadsheets should always be easy to decipher, even if you don’t check them every day (or week). Tiller updates custom-created Google or Excel spreadsheets daily with auto-categorized transactions pulled from your synced accounts, theoretically enabling expense tracking for every dollar you earn. For example, a $50 grocery store purchase today appears as a “Groceries” or “Food” transaction (depending on your preference) tomorrow. No matter where you bank, borrow, and invest, your U.S.-based financial institution should sync with Tiller. Tiller Money merges the granularity of old-fashioned spreadsheet-based budgeting with the convenience of a cloud-based app that syncs with nearly 20,000 external financial sources: bank accounts, brokerage accounts, employer-sponsored retirement accounts, and credit products like credit cards and personal loans. Read our full Personal Capital review for more information about this app.
You can also take advantage of the investment checkup feature, an allocation analyzer that’s a godsend for do-it-yourself investors who don’t regularly rebalance their portfolios. These include retirement and education planners, which help illuminate the cost of two major life goals (and estimate how much you need to save and invest to reach them), and a fee analyzer that exposes the true cost of your managed investments. That means its budgeting tools come with no salesy recommendations for anything other than Personal Capital’s wealth management service, which is not available to users with less than $100,000 in investable assets.įor users who don’t want or can’t afford to manage their money or retain financial planning services with Personal Capital, there’s a nice lineup of free personal finance resources and budgeting tools available at no cost. Personal Capital is a robo-advisor that makes money by managing users’ investment portfolios, not recommending third-party financial products and services.
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