A Tiller alternative when you want an app, not a spreadsheet
Beyond Payday is for people who want the math built in — net worth, debt payoff and retirement — with no spreadsheet to maintain. If you love working in your own spreadsheet, Tiller may suit you.
30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo).
Why people switch to Beyond Payday
$90/yr vs $99/yr
Pro is $90/yr. Tiller lists $99/yr on its own site.Source: Tiller pricing page (opens in a new tab), verified Oct 1, 2026
Retirement, month by month
On Pro, to age 95 with Social Security, pensions and taxes.
Ready to use
Net worth, debt payoff and what’s left, ready from day one.
Permissions for each person
Owner, spouse or partner, and kids, each with their own access.
Beyond Payday and Tiller at a glance
Yes (their site says so) No (their site says so) Couldn’t confirm
| Feature | Beyond Payday | Tiller |
|---|---|---|
| Price | Free plan, or Pro at $9/mo or $90/yr | Yes, their site says so: $99/yrsource: Tiller pricing page, checked Oct 1, 2026 (opens in a new tab) |
| Free plan | Yes. Income, bills, net worth, goals and debt payoff | Couldn’t confirm on their site |
| Free trial | Yes. 30 days of Pro, no card needed | Yes, their site says so: 30 dayssource: Tiller pricing page, checked Oct 1, 2026 (opens in a new tab) |
| Links bank accounts | No. By design: no bank login needed | Yes, their site says so: 21,000+ bankssource: Tiller: How it works, checked Oct 1, 2026 (opens in a new tab) |
| Household sharing | Yes. Owner, spouse or partner, and kids, with per-person permissions | Yes, their site says so: Up to 5 secondary userssource: Tiller help: Add a secondary user, checked Oct 1, 2026 (opens in a new tab) |
| Retirement plan | Yes. On Pro: month by month to age 95 | Yes, their site says so: Retirement Planner templatesource: Tiller: Retirement Planner template, checked Oct 1, 2026 (opens in a new tab) |
| Social Security timing | Yes. On Pro: any claiming age 62–70, spousal and survivor | Couldn’t confirm on their site |
| Debt payoff plan | Yes. Free: avalanche or snowball, with a debt-free date | Yes, their site says so: Debt payoff sheetssource: Tiller: How it works, checked Oct 1, 2026 (opens in a new tab) |
| Business tracking | Yes. On Pro: one or more businesses | Yes, their site says so: Yessource: tiller.com, checked Oct 1, 2026 (opens in a new tab) |
| AI assistant | Yes. On Pro: Beth answers from your own numbers | Couldn’t confirm on their site |
| Connects to ChatGPT & Claude | Yes. Connect either one to your own data | Yes, their site says so: Claude (beta MCP)source: Tiller: Tiller AI, checked Oct 1, 2026 (opens in a new tab) |
| Data export | Yes. Every plan: a .zip of JSON and CSV files | Yes, their site says so: Your own spreadsheetsource: Tiller: exporting your financial data, checked Oct 1, 2026 (opens in a new tab) |
| Tracks transactions | No. By design: no transaction busywork | Yes, their site says so: Yessource: Tiller: How it works, checked Oct 1, 2026 (opens in a new tab) |
| Platforms | iPhone, Android and Windows apps, plus a web app you can install on any phone or computer | Yes, their site says so: Google Sheets and Excelsource: Tiller: How it works, checked Oct 1, 2026 (opens in a new tab) |
| Your data in your own spreadsheet | No. An app instead; export any time | Yes, their site says so: Yessource: tiller.com, checked Oct 1, 2026 (opens in a new tab) |
Based on each company’s own website, checked Oct 1, 2026. A – means we couldn’t confirm it on their site; features change, so check with them. Beyond Payday isn’t affiliated with Tiller.
Something wrong or missing? Let us know and we’ll review it and update this page.
Beyond Payday is a great fit if…
- You’d rather not build your own spreadsheet.
- You want retirement planning built in.
- You’d rather not connect your bank accounts.
Might not be for you if…
- You want to work in your own Google Sheets or Excel files.Source: Tiller: How it works (opens in a new tab), verified Oct 1, 2026
How switching works
Import or type in your bills, assets and debts
CSV, TSV or XLSX files work. Transactions don’t carry over — Beyond Payday doesn’t track them. How import works
Add your income
Type it in, or scan a paystub photo and review what it fills in (3 scans on Free, unlimited on Pro).
Leave any time with your data
Export everything as a .zip of JSON and CSV files, on every plan.
Questions
- Does Beyond Payday link to my bank?
- No. It never asks for a bank login. You type your numbers in or import them from a spreadsheet, and you keep them current.
- Can my partner and kids use it too?
- Yes. One account covers the household: an owner, a spouse or partner, and children, with per-feature permissions for each person. One subscription covers everyone.
- Is there a free plan?
- Yes. The Free plan covers the dashboard, income, bills, assets, debts, net worth, goals, the Scenario Tester, import and export. Pro adds retirement planning, business tracking and Beth, the AI assistant. New accounts start with a 30-day Pro trial with no card needed, and keep the Free plan afterward unless they subscribe.
- Can I use it outside the US?
- No. Beyond Payday is built for US households only: amounts are in US dollars, and taxes and Social Security rules are US-only.
Other comparisons
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- Beyond Payday vs Copilot Money
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- Beyond Payday vs Empower
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- Beyond Payday vs ProjectionLab
For households that want a month-by-month retirement plan alongside their monthly bills, debts and net worth.
- Beyond Payday vs Boldin
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- Beyond Payday vs Quicken Simplifi
For households that want to see what is left each month without connecting bank or card accounts.
Facts verified Oct 1, 2026 from each company’s own website (or an archived copy of it); features change — check the provider for current details.
Current details from each provider: tiller.com (opens in a new tab).
Tiller is a trademark of its owner. Beyond Payday has no affiliation with or endorsement from it.
Beyond Payday is a planning tool, not a financial advisor. Its figures are estimates based on what you enter, not guarantees.
Plan your household’s money without building the spreadsheet
Income, bills, what is left each month, net worth and, on Pro, retirement. No bank login.
30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo). After 30 days you keep the Free plan — no charge, no card.