10 Best AI-Powered Financial Planning Tools Worth Trying in 2026

9. Tiller - AI-Enhanced Spreadsheet-Based Financial Planning

Tiller has carved out a unique niche in the financial planning space by combining the flexibility of spreadsheets with AI-powered automation and insights, appealing to users who prefer customizable financial tracking solutions. The platform automatically imports and categorizes transactions from financial institutions into Google Sheets or Microsoft Excel, while its AI algorithms learn from users' categorization patterns to improve accuracy over time. Tiller's machine learning capabilities analyze spending trends and provide personalized insights into financial behavior, helping users identify opportunities for saving and optimization. The platform's AI-powered budgeting templates adapt to users' specific needs and financial goals, providing dynamic tracking and forecasting capabilities that traditional spreadsheets cannot offer. Tiller's debt payoff calculators use AI to optimize payment strategies and project payoff timelines based on different scenarios and payment amounts. The platform's investment tracking features leverage AI to analyze portfolio performance and provide insights into asset allocation and diversification. Tiller's AI-enhanced reporting capabilities generate personalized financial summaries and trend analyses that help users understand their financial progress and make informed decisions. The platform's flexibility allows users to create custom financial models and scenarios while benefiting from AI-powered data processing and analysis. Tiller's subscription-based model provides ongoing updates and improvements to its AI capabilities, ensuring that users have access to the latest financial planning innovations while maintaining the control and customization that spreadsheet-based solutions offer.