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Tiller vs YNAB

Tiller takes the higher SoftwareScore, 70 to 65. That's a real but not decisive edge. Both are scored on the same public formula. See how.

Reviewed by Rick Castro, Founder & lead analyst · Last updated July 2026
Tiller
From $99/yr
ValueEaseAutoLinkingReportsSecurityOwnership
70
SoftwareScore
View Tiller →
YNAB
From $109/yr · ★4.8 (58k)
ValueEaseAutoLinkingReportsSecurityOwnership
65
SoftwareScore
View YNAB →

Tiller vs YNAB: our take

Tiller takes the higher SoftwareScore, 70 to 65. That's a real but not decisive edge.

Tiller pulls ahead on Ownership and Value (Ownership 10 vs 6), which makes it the stronger pick for privacy and data control.

YNAB pulls ahead on Ease and Reports (Ease 6 vs 5), which makes it the stronger pick for undefined.

The clearest divide is Ownership (Tiller 10, YNAB 6). If that axis is central to how you work, let it settle the choice.

On lock-in, Tiller is the safer bet: it scores 10/10 on data ownership to YNAB's 6, so weigh how easily you could move your notes out later.

Axis by axis

Value (price vs capability) 6 5
Ease of use 5 6
Automation 7 6
Account linking 8 7
Budgets & reporting 7 8
Security & privacy 7 8
Data ownership / export 10 6
Axis (◆ = data ownership, our under-served focus) Tiller YNAB
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