A spreadsheet that fills itself.
Still a spreadsheet.
Tiller automatically feeds your bank and card transactions into Google Sheets or Excel — total flexibility for people who love to build their own system. Formation is the opposite trade: structure out of the box. Entities, cross-custodian tax, citations, and equity comp that you'd otherwise hand-build into formulas for years.
No charge today · Cancel in two clicks · Founding price $199/yr, locked for as long as you stay
What Tiller does well
Unmatched flexibility: your data, in your spreadsheet, shaped however you want, with daily automated feeds and a library of templates. If you're a spreadsheet power user who wants to own every formula, Tiller is the best version of that — and we'll say so plainly.
Feature by feature
Tiller
Sheets / Excel
Formation
one plan · $199/yr founding
Tiller pricing per tiller.com as of June 2026 and subject to change.
Build it, or have it built
The formulas you'd spend years writing — already built.
Tiller hands you the raw feed and a blank sheet. Everything past that — an entity model, a wash-sale-aware TLH engine, AMT on an ISO exercise, K-1 ingestion, a number that traces to its source — is yours to formula together and maintain forever. Formation ships that structure as a product, kept current automatically, so your time goes to decisions instead of spreadsheet maintenance.
Common questions
Is Formation a good Tiller alternative?
Formation is built for households whose finances have outgrown a single-login tool: money spread across many custodians, more than one legal entity (trusts, LLCs, S-Corps), equity compensation, K-1s, and multi-state tax — unified in one view, organized by the entity that owns each account, with every number traced back to its source. The feature-by-feature table above lays out where Formation differs from Tiller so you can judge the fit for your own situation.
How much does Formation cost compared to Tiller?
Formation is one plan with full access — $29.99/month or $349/year list, and founding members lock $17.99/month or $199/year for as long as they stay subscribed. Every subscription starts with a 7-day free trial; there is no free tier and no percentage-of-assets (AUM) fee. The pricing row in the comparison table above shows how that lines up against Tiller.
Can Formation handle trusts, LLCs, equity compensation, and K-1s?
Yes. Formation models every account by the legal entity that owns it (personal, joint, trust, LLC, S-Corp), tracks RSUs, ISOs, NSOs, and ESPP with alternative-minimum-tax awareness, ingests Schedule K-1s from PDF, and runs cross-custodian, wash-sale-aware tax-loss harvesting across all your brokers at once. AURA, Formation's education-only AI, explains and analyzes these numbers but never gives personalized advice, places trades, or moves money.
Skip the spreadsheet maintenance.
Get the structure you'd otherwise hand-build — entities, cross-custodian tax, citations — current automatically, no formulas to babysit.
No charge today · Cancel in two clicks · Founding price $199/yr, locked for as long as you stay
Full pricing detailsCompare Formation to other tools