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Clarity vs Tiller: pricing, features, and fit
Tiller pipes daily bank data into Google Sheets and Excel — power-user spreadsheets, your way. Clarity is a modern web product that covers banks, brokerages, 130+ crypto exchanges, and 40+ chains with AI grounded in your real transactions.
Tiller$79/yr (30-day trial)Clarity Pro$29/mo or $279/yr
30-day money-back guarantee. Read-only — Clarity never moves your money.
Best fit for Clarity
A web product with banks, brokerages, 130+ crypto exchanges, 40+ chains, AI grounded in transactions, and tax-form exports.
Best fit for Tiller
Spreadsheet power users who want daily bank data in their own Google Sheets or Excel files, with full data ownership and unlimited custom workflows.
Score at a glance
Average across 7 criteria — every cell dated and sourced below.
- Clarity4.3
- Tiller4.1
Where Clarity goes further
Modern web product, no spreadsheets required
Tiller: Every interaction happens in a Google Sheet or Excel file you maintain yourself.
Browser-based dashboard, mobile-responsive, real-time refresh — no formulas to maintain.
130+ crypto exchanges + 40+ chains
Tiller: No native crypto exchange or on-chain support — users hand-build crypto into their own sheets.
Coinbase, Binance, Kraken, MetaMask, Phantom, Ledger — direct APIs and on-chain reads.
Lot-level cost basis + Form 8949
Tiller: No tax-lot workflow — investment tracking is what the user builds in a sheet.
FIFO/HIFO/LIFO across exchanges and wallets; wash-sale flags; tax-ready exports.
AI grounded in your real transactions
Tiller: No AI assistant — analysis happens via spreadsheet formulas and pivot tables.
Every answer cites the underlying transaction; nothing fabricated.
Merchant-level analytics
Tiller: Merchant normalization depends on user-built spreadsheet rules and pivot tables.
Amazon, DoorDash, Spotify normalized and rolled up across years — beyond category averages.
Net-worth and portfolio dashboards out of the box
Tiller: Dashboards exist as community templates — quality varies by template.
Pre-built net-worth, portfolio performance, and recurring-charge views.
Clarity AI in action
Four questions Clarity can answer without maintaining a spreadsheet
Tiller pipes your bank into Google Sheets and Excel. Clarity gives you the same automated pull plus 130+ crypto exchanges, on-chain wallets, lot-level cost basis, and an AI that interprets what just moved — no formulas to maintain.
Subscription audit
You: Show me subscriptions I haven't used in 60 days.
7 subs · $189/mo · $2,268/yr.
Notion $16 (last login 87d) · DoorDash DashPass $10 (last order 142d) · Audible $15 · Calm $15 · Disney+ $13 · NYT $17 · Headspace $13. Each tied to the recurring merchant transaction it came from.
Cross-asset concentration
You: What's my real tech exposure including target-date funds and crypto?
42.1% — higher than your stock-screen number.
Direct $184k (AAPL, MSFT, NVDA) + lookthrough $94k (VTSAX 28% tech + 401(k) TDF 23% tech) + RSU $62k + $38k ETH+SOL on-chain. Above your 30% concentration target.
Tax-loss harvesting
You: Anything worth harvesting before Dec 31?
$9,400 in losses · ~$2,250 saved at your bracket.
VXUS −$3,200 LT (replace with IXUS, avoids wash). BND −$2,100 LT (AGG ok). ETH lot from Mar 2024 −$1,400 ST. Crypto exempt from wash-sale today. Lot citations included.
On-chain risk
You: Is my Aave loan close to liquidation?
Health factor 1.42 — 28% buffer to liquidation.
3.2 ETH supplied (Base) · $4,200 USDC borrowed. Liquidation price $1,640 vs spot $2,278. Refreshed 4 min ago. Alert threshold set at 1.20.
Every answer cites the underlying transactions, lots, or positions. Read-only — Claritynever moves money, never trades, never trains on your data.
Feature comparison
| Feature | Clarity | Tiller |
|---|---|---|
| Account Coverage Range of financial accounts and asset types supported. | Leads, score 5 out of 5 Banks · brokerages · 130+ crypto exchanges · 40+ chains · manual assets. May 2026 | Behind, score 3 out of 5 Banks and brokerages via Yodlee + Plaid pipelines into Google Sheets / Excel. No native crypto exchanges or on-chain wallets — users add those manually. May 2026 ↗ |
| Sync Reliability How consistently account data syncs without errors or manual intervention. | Tie, score 4 out of 5 Automatic retry · connection-health monitoring · explicit error states. May 2026 | Tie, score 4 out of 5 Daily data feed into your sheet; long-established product with a stable pipeline. May 2026 ↗ |
| Pricing Predictability How transparent and stable the pricing is over time. | Tie, score 5 out of 5 Pro $15/mo · $144/yr · 30-day money-back · no AUM %. May 2026 | Tie, score 5 out of 5 $79/year flat after a 30-day free trial. Money-back guarantee. May 2026 ↗ |
| Data Freshness How quickly new transactions and price changes appear. | Leads, score 4 out of 5 Multi-sync daily · on-demand refresh · real-time crypto prices. May 2026 | Behind, score 3 out of 5 Daily refresh into your sheet. No on-demand intra-day refresh by default. May 2026 ↗ |
| Historical Depth How far back transaction and portfolio history extends. | Behind, score 3 out of 5 ~24 months from Plaid. Daily net-worth snapshots after sign-up. May 2026 | Leads, score 5 out of 5 Unlimited history — every transaction stays in your sheet forever. The user owns the data file. May 2026 ↗ |
| Export & Reporting Ability to export data and generate financial reports. | Tie, score 4 out of 5 CSV · net-worth · portfolio performance · Form 8949–ready crypto exports. May 2026 | Tie, score 4 out of 5 Reporting is whatever you build in your sheet — community templates cover net-worth, cash-flow, and savings rates. No tax-form exports. May 2026 ↗ |
| Privacy & Security Data protection practices, encryption, and privacy controls. | Tie, score 5 out of 5 Read-only · encrypted at rest · no ad model · no ad cookies · deletion ≤30 days. May 2026 | Tie, score 5 out of 5 No advertising business model. Data lives in the user's own Google or Microsoft account — strong data-ownership posture. May 2026 ↗ |
Where Tiller genuinely wins
Tiller's premise is right: own your data, own your formulas, never hostage to a vendor's UI. If you enjoy maintaining a Google Sheet on Sunday mornings, Tiller is the cleanest automated pipe into Sheets there is.
What we verified
- Spreadsheet-native — Google Sheets and Excel
- Tiller's product is daily bank data piped directly into Google Sheets and Microsoft Excel — no separate dashboard. Tiller product site ↗
- $79/year flat after 30-day free trial
- Tiller's pricing page lists a single $79/year plan after a generous 30-day free trial, with a money-back guarantee. Tiller pricing ↗
- Data ownership — your sheet, your file
- Because data lives in the user's own Google or Microsoft account, Tiller has unusually strong data-ownership posture compared to dashboard-based competitors. Tiller product site ↗
Deeper, if you want it
How to get started with Clarity
easy·20 minutes (plus optional sheet-archive setup)
- 01From your Tiller sheet: copy the Transactions tab to a CSV and save your category mapping as reference.
- 02Sign up for Clarity and re-add the same bank and brokerage connections via Plaid — ~24 months of transaction history imports automatically.
- 03Add the crypto exchanges and on-chain wallets Tiller couldn't reach (Coinbase API key, MetaMask address, Ledger, etc.).
- 04Decide your long-term posture: many users keep the Tiller sheet as an archive for older history and run Clarity forward.
Frequently asked questions
Related comparisons
Related calculators
Tiller's data, without the spreadsheet upkeep.
Banks, brokerages, crypto, and DeFi together. 30-day money-back guarantee — a full refund if Clarity isn't for you.
Sources
Trademarks belong to their owners. Clarity is independent and not affiliated with Tiller. Comparison reflects publicly available info as of 2026-05-18; verify current pricing on each vendor's site.