Taxumo vs Tiller Money

Taxumo is an accredited online platform that automates Bureau of Internal Revenue (BIR) tax filing and e-invoicing for freelancers, self-employed professionals, small businesses, and corporations in the Philippines. It has served the market for over a decade and reports more than 144,000 users, offering real-time tax computation and auto-generated forms so users can file and pay taxes without manual paperwork. Beyond core tax filing, Taxumo offers EIS-ready e-invoicing that automatically transmits sales data to the BIR and archives records for 5+ years, plus add-on services such as Taxumo Timeout for dormant-business zero filing, Taxumo Collect for payment collection, business registration and incorporation assistance, and retainer access to a certified accountant. Payments for subscriptions and taxes can be made via GCash, Maya, Dragonpay, Visa, Mastercard, or Billease installments.

Tiller Money brings automated bank and credit card feeds into a private Google Sheets or Excel spreadsheet, giving users full control over their budget's structure while removing the manual work of entering transactions. Pre-built templates cover budgeting, net worth tracking, expense reporting, and small-business bookkeeping, and can be customized like any spreadsheet. Daily automation pulls in new transactions each morning, and the AutoCat feature learns categorization rules over time so recurring merchants are tagged automatically. A companion daily email digest, called Hello Money, summarizes account balances and recent activity, and the single subscription tier includes a 30-day free trial with no separate monthly plan.

• Long track record (over a decade) and a large user base of 144,000+ in the Philippines
• Automates BIR-specific forms and computations that are otherwise manually intensive
• Tiered plans matched to tax registration type (8%, graduated/Micro, VAT/SMB) rather than one-size-fits-all
• Multiple local payment options (GCash, Maya, Dragonpay) alongside cards

• Full control over budget structure and formulas since everything lives in a real spreadsheet, not a locked app.
• Single, transparent flat-rate pricing with no upsells to higher tiers or hidden feature gates.
• Data ownership means spreadsheets can be backed up, duplicated, or exported without vendor lock-in.
• AutoCat and daily feeds remove most of the manual transaction entry that spreadsheet budgeting traditionally requires.

• Built specifically around Philippine BIR tax rules, so it has no relevance outside the Philippines
• The Free plan only tracks income/expenses and does not actually file or pay taxes, which could confuse first-time users
• Users must correctly pick a plan matching their tax registration type (8%, graduated, or VAT), and the differing form sets between tiers can be confusing to newcomers

• Requires comfort with spreadsheets; users who dislike Excel or Google Sheets will find the learning curve steeper than an app.
• No standalone mobile app; budgeting happens through the Google Sheets or Excel mobile apps instead.
• Less automated guidance (like Simplifi's Spending Plan or Empower's retirement projections) since the analysis is left to the spreadsheet templates.