The Tiller shortcoming: sharing stops at the bank connection
Tiller’s secondary-user feature solves shared access to the Tiller Console. It does not give each collaborator equal control over the institutions they own.
That may be fine when one person manages the household. It becomes awkward when two people own different bank logins, a bookkeeper manages selected files, or a small team expects each person to maintain their own connection.
Tiller vs. Montley for multiple users
The products make a different choice about ownership. Tiller starts with one subscription owner and adds secondary users. Montley starts with a Google Sheet and gives its invited editors control of their own bank connections.
Montley also avoids creating a second long-term financial data silo. It stores the technical state needed to maintain connections and syncing and never logs financial transaction rows. If you opt in to chat notifications, an encrypted delivery copy is cleared after delivery or within 24 hours.
Who is most likely to outgrow Tiller’s sharing model?
Each partner has separate bank credentials
The primary Tiller user becomes the coordinator whenever the other person needs to add an institution or complete bank authentication.
One person becomes the household support desk
Secondary users can handle routine spreadsheet work, but institution-level fixes and account administration still route back to the primary user.
Access should follow a specific Sheet
Tiller account access and spreadsheet access are separate. Teams must manage both layers and keep the same email identity aligned across them.
The practical cost is coordination
The problem is not the number of supported users. It is that the person who owns the Tiller account must remain available for the highest-friction connection tasks. Montley moves those tasks to the person who owns each bank login.
If you stay with Tiller, use both access layers
Tiller may still be the right product, especially if you depend on its templates, AutoCat, or Excel support. Set up collaboration carefully so account access and file access do not drift apart.
- 01
Add the secondary user
The primary user enters the collaborator’s Google or Microsoft email in Tiller Settings.
- 02
Send the join URL
Tiller does not send the invitation email. Send the person to my.tiller.com/secondary in Google Chrome.
- 03
Share every spreadsheet
Grant the same email access to each Google Sheet or Excel workbook they need.
- 04
Coordinate bank changes
The primary user must add institutions, refresh an individual institution, and manage billing or users.
Choose based on where you want control to live
Remove the primary-user handoff.
Try one shared Montley Sheet free for 14 days with a card.
Common questions
Does Tiller support multiple users?+
Yes. Tiller documents support for up to five secondary users. The limitation is not basic access. It is that institution management and account administration remain with the primary user.
Why choose Montley for a couple or small team?+
Choose Montley when each person should join the same Google Sheet with their own identity and connect the bank accounts they own without routing the setup through one primary account holder.
Can a Tiller secondary user add their own bank?+
No. Tiller’s current documentation says only the primary user can add a financial institution or refresh one institution individually.
Can both products share a spreadsheet?+
Yes. Tiller supports shared Google Sheets and Excel workbooks. Montley focuses specifically on shared Google Sheets.
Sources
Research note: Product behavior was reviewed against Tiller’s published documentation on August 23, 2026. Tiller is a trademark of its respective owner. Montley is not affiliated with or endorsed by Tiller.
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