Quadratic vs Tiller
A Tiller alternative for people who want more than synced transactions
Tiller is great if you like bank feeds in a spreadsheet. Quadratic is an alternative to Tiller for spreadsheet-first users who want AI analysis, charts, formulas, Python, and reusable dashboards in the same place.
AI Spreadsheet
Spreadsheet Finance Workspace
Turn synced transactions into category trends, subscription alerts, cash flow summaries, and a net worth dashboard.
Feeds
Banks + cards
Analysis
AI + formulas
Outputs
Dashboards
| A | B | C | |
|---|---|---|---|
| 1 | Need | Tiller-style workflow | Quadratic workflow |
| 2 | Transactions | Synced rows | Live data plus AI analysis |
| 3 | Categories | Rules and templates | AI draft plus editable logic |
| 4 | Dashboards | Sheet templates | Charts, formulas, Python, AI |
| 5 | Questions | Build a new view | Ask in plain English |
| 6 | Extensibility | Spreadsheet formulas | Formulas, SQL, Python, APIs |
Why compare Tiller and Quadratic
Bank feeds are useful. Analysis is where the work starts.
If your personal finance workflow has outgrown synced rows and templates, Quadratic gives you a more capable spreadsheet environment.
Synced transactions are only step one
Tiller is useful when you want bank feeds in a spreadsheet. Quadratic is built for the next step: asking questions, generating analysis, and sharing dashboards.
Templates can become maintenance work
When your questions change, static templates often need new formulas, helper tabs, and manual cleanup. Quadratic lets AI draft the next analysis in the same grid.
Personal finance now needs more than formulas
Categorization, subscription detection, cash flow summaries, and net worth analysis are easier when AI, Python, charts, and formulas work together.
What Quadratic adds to spreadsheet personal finance
Keep the spreadsheet interface, then add AI, code, charts, and connected workflows for deeper analysis.
Start with transactions and balances
Connect financial data or import CSV and Excel exports from your existing personal finance spreadsheet workflow.
| Source | Data | Use |
|---|---|---|
| Bank | Transactions | Spending analysis |
| Credit card | Charges | Subscriptions |
| Brokerage | Balances | Net worth |
| Loan | Balance | Debt payoff |
Ask AI for the view you need
Generate category summaries, subscription lists, net worth charts, and cash flow explanations without building every helper tab manually.
Customize with spreadsheet logic
Use formulas when they are enough and Python or SQL when the model needs more power. Everything remains visible and editable.
Quadratic vs Tiller: full comparison
Tiller centers on spreadsheet bank feeds. Quadratic centers on turning connected data into analysis and dashboards.
| Capability | Quadratic | Tiller |
|---|---|---|
| Primary job | Connected financial data plus AI analysis in a spreadsheet | Bank feeds into Google Sheets or Excel templates |
| Best for | Users who want custom dashboards, AI, charts, formulas, and code | Users who mainly want synced transactions in an existing sheet |
| AI assistance | Ask questions, categorize, summarize, generate code and charts | Not the core workflow |
| Analysis depth | Formulas, charts, SQL, Python, and AI in one file | Spreadsheet formulas and templates |
| Dashboards | Build reusable dashboards from data, formulas, code, and AI outputs | Template-driven dashboards |
| Extensibility | Call APIs, run Python, combine multiple data sources | Works inside Sheets or Excel with spreadsheet formulas |
| Visibility | Generated logic stays inspectable and editable in the spreadsheet | Spreadsheet formulas are visible, feed logic is separate |
Go beyond synced transactions with an AI spreadsheet.
Use AI and code where templates stop
Quadratic keeps spreadsheet formulas, but gives you more options when personal finance questions become analytical.
Categorize with review
Draft categories and keep the output editable.
Ask: "Categorize these transactions and explain uncertain merchants."Find recurring charges
Detect repeated merchant and amount patterns.
recurring = df.groupby("merchant").filter(
lambda x: x["date"].dt.month.nunique() >= 3
)Budget variance
Keep simple spreadsheet logic for monthly dashboards.
=Actual_Spending-Budget_TargetWho should choose Quadratic over Tiller?
If you're comparing tools like Tiller, YNAB, Monarch, or Copilot, the right choice depends on how much flexibility and analysis you need. Quadratic is a fit when you still want a spreadsheet, but the workflow now requires analysis, automation, and flexible outputs.
Spreadsheet-first budgeters
Keep custom categories, rules, and budget formulas while using AI to reduce manual cleanup.
Investors and FIRE planners
Combine transactions with balances, assets, liabilities, savings rate, and net worth dashboards.
Power users
Use Python, SQL, formulas, charts, and APIs when spreadsheet templates are not enough.
Spreadsheet freedom without a patchwork of add-ons
Quadratic gives you one browser-based workspace for connected data, AI, formulas, Python, charts, and sharing. It is built for people who want to own the analysis, not just receive synced rows.
Secure data connections
SOC 2 and HIPAA compliant
Browser-based sharing
Tiller alternative FAQ
What is the best Tiller alternative for spreadsheet users?+
The best Tiller alternative depends on what you want after transactions sync. Quadratic is a strong option for spreadsheet-first users who want connected financial data plus AI analysis, charts, formulas, SQL, Python, and reusable dashboards. It stands out among alternatives to Tiller Money for users who want deeper analysis in the same workflow.
How is Quadratic different from Tiller?+
Tiller focuses on syncing bank transactions into Google Sheets or Excel templates. Quadratic focuses on the full analysis workflow: connected financial data, AI-generated analysis, editable formulas, Python, charts, and shareable dashboards in one spreadsheet.
Does Quadratic replace Tiller Money Feeds?+
Quadratic is not just a feed replacement. It is for people who want the spreadsheet format but also want AI to categorize transactions, explain cash flow, build charts, analyze net worth, and create reusable finance dashboards.
Can I import my existing Tiller spreadsheet?+
You can import CSV and Excel files into Quadratic. If you export data from your current spreadsheet workflow, you can use Quadratic to analyze it with formulas, AI, Python, and charts.
Is Quadratic only for personal finance?+
No. Quadratic is an AI spreadsheet for many data workflows, including personal finance, investing, accounting, marketing, sales, databases, and API-connected analysis.
Is Quadratic secure enough for financial data?+
Yes. Quadratic is SOC 2 and HIPAA compliant, with secure data connections and self-hosting available for teams that need full control.
Try the spreadsheet built for analysis, not just feeds
Bring your personal finance data into Quadratic and turn synced rows into dashboards, answers, and reusable workflows.
