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Expense tracking, done for you
Every purchase across every account, categorized automatically.
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Track everything. Uncover missed opportunities. Get more from your money.
How can I safely spend $5,000 on a trip this year? Ask Treasury
Tuesday, Mar 24
Good afternoon, Penny
Net Worth
$148,726.43
▲ $5,354.15 (3.6%) Past Month
📈 Road to Riches
Income $8,437 / $9,000
Expenses $5,118 / $6,000
Savings $2,940 / $3,000
Recent
Whole Foods $72.30
Uniqlo $48.00
Monorail Espresso $5.40 Budget deep dive Subscription audit
Ask anything…
Your entire financial life, in one place.
Track what happened, plan what’s next, and grow your money without piecing together a stack of apps.
S
A Budgets
Budgeting that moves with your life
Ongoing budgets for daily pace, goal budgets for a target.
Investments
Investment tracking in one view
Every holding and brokerage account, updated together.
M
A
N Subscriptions
Subscription tracking that finds what you forgot
Recurring charges detected from your bank activity, on one calendar.
G
T Net Worth
Net worth tracking, always current
Everything you own and owe, updated together.
Treasury Advisor
An AI financial advisor that sees your accounts
Personal guidance grounded in your real numbers, not generic tips.
A
DOne question. Your whole financial life behind the answer.
Treasury considers your spending, savings, investments, debt, property, and plans together before it answers.
Housing
Should I buy a condo or keep renting?
Querying your cash flow and assets 6 accounts
Running rent-versus-buy projections 24 scenarios
Including fees, equity, and opportunity cost
Testing the break-even horizon 10 years
Renting looks cheaper month to month, but that flips the longer you stay. At your income and local prices, buying pulls ahead around year 5 — before that, closing costs and fees outweigh the equity you'd build. So it comes down to one question: are you planning to stay at least five years?
Treasury Insight
The math flips around year 5 — before then, closing costs and fees outrun the equity you'd build, so renting quietly wins. Buy only if you're confident you'll stay put at least five years; otherwise keep renting and invest the difference.
TREASURYBENCH RESULTS
Better answers for the decisions that matter.
Treasury scored highest overall across 6 products tested on the same 59 personal-finance questions.
| Product | GroundingUses your numbers | CorrectnessGets facts right | ResolutionAnswers the question | PrudenceHandles risks |
|---|---|---|---|---|
 Treasury | 98 | 98 | 96 | 96 |
 ChatGPT | 92 | 93 | 88 | 95 |
 Perplexity | 90 | 88 | 86 | 91 |
 Origin | 76 | 84 | 77 | 84 |
 Simplifi | 52 | 74 | 51 | 72 |
 Monarch | 44 | 63 | 46 | 66 |
| Measure | Treasury | ChatGPT |
|---|---|---|
| GroundingUses your numbers | 98 | 92 |
| CorrectnessGets facts right | 98 | 93 |
| ResolutionAnswers the question | 96 | 88 |
| PrudenceHandles risks | 96 | 95 |
Compare Treasury with
What that looks like in practice
“Are any of my subscriptions or recurring charges worth changing?”
Maria, who works at Microsoft
Treasury Submit ClassPass to Microsoft Perks+ — … an annual reimbursement of up to $1,500 for qualifying physical, mental, and financial wellbeing expenses. … submitting your $89.00 monthly ClassPass receipts ($1,068.00/year) would effectively cover this expense.
Found a work perk that could cover her $89/mo ClassPass
ChatGPT ClassPass — $89/mo: worth keeping only if you consistently use the credits. At $1,068/year, even modest underuse can make direct class purchases or a cheaper tier better.
Treated ClassPass as a cost to trim, not a perk to claim
What that looks like in practice
“Are any of my subscriptions or recurring charges worth changing?”
Maria, who works at Microsoft
Treasury Submit ClassPass to Microsoft Perks+ — … an annual reimbursement of up to $1,500 for qualifying physical, mental, and financial wellbeing expenses. … submitting your $89.00 monthly ClassPass receipts ($1,068.00/year) would effectively cover this expense.
Found a work perk that could cover her $89/mo ClassPass
Perplexity If you're not using most of your monthly credits, dropping a tier could save $20–50/month ($240–600/year).
Suggested a cheaper ClassPass tier; missed the Microsoft reimbursement
What that looks like in practice
“Are any of my subscriptions or recurring charges worth changing?”
Maria, who works at Microsoft
Treasury Submit ClassPass to Microsoft Perks+ — … an annual reimbursement of up to $1,500 for qualifying physical, mental, and financial wellbeing expenses. … submitting your $89.00 monthly ClassPass receipts ($1,068.00/year) would effectively cover this expense.
Found a work perk that could cover her $89/mo ClassPass
Origin ClassPass ($89 per month): This recurring wellness expense totals $1,068 annually. If you find your monthly credits are going unused or rolling over, stepping down to a lower tier can save $30 to $50 monthly without losing access.
Suggested a cheaper tier and missed the perk
What that looks like in practice
“Are any of my subscriptions or recurring charges worth changing?”
Maria, who works at Microsoft
Treasury Submit ClassPass to Microsoft Perks+ — … an annual reimbursement of up to $1,500 for qualifying physical, mental, and financial wellbeing expenses. … submitting your $89.00 monthly ClassPass receipts ($1,068.00/year) would effectively cover this expense.
Found a work perk that could cover her $89/mo ClassPass
Simplifi If you want to reduce recurring spending, ClassPass and Adobe are the biggest places to check first based on monthly cost. Netflix is smaller, but still easy to cut or pause if you’re not using it much.
Identified her subscriptions; suggested cuts but missed the Microsoft reimbursement
What that looks like in practice
“Are any of my subscriptions or recurring charges worth changing?”
Maria, who works at Microsoft
Treasury Submit ClassPass to Microsoft Perks+ — … an annual reimbursement of up to $1,500 for qualifying physical, mental, and financial wellbeing expenses. … submitting your $89.00 monthly ClassPass receipts ($1,068.00/year) would effectively cover this expense.
Found a work perk that could cover her $89/mo ClassPass
Monarch ClassPass – $89/month: Great if you’re going regularly, but pricey if you’re not. If your cost per class is high or you’ve been skipping weeks, pausing or downgrading would make sense.
Found ClassPass, but suggested pausing or downgrading instead of claiming the perk
Selected example of Treasury’s strengths. Verbatim captured excerpts, trimmed for length; emphasis added.
In their words
Why people switch to Treasury.
One place instead of two
“Treasury replaced both.”
I used Rocket Money for a year and maintained a spreadsheet alongside it because neither was enough on its own. One place, everything connected, nothing to maintain.
A budget that stays useful
“Treasury is the first one that just works.”
Every budgeting app I tried turned into a second job—fixing categories, correcting errors, fighting the interface. I actually budget now instead of maintaining an app.
A business model that aligns
“Paying for something that is genuinely on your side feels different.”
The first thing that sold me was that Treasury does not sell your data. The app itself is actually beautiful and easy to use.
One membership
Everything in Treasury. One clear price.
Your whole financial life, every answer, and every feature Treasury adds. No tiers. No add-ons.
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A few things before you start.
Clear answers to the questions that can get in the way of starting.
No. Connected accounts are read-only. Treasury can use balances and transactions to organize your finances and answer questions, but it cannot transfer, withdraw, send, or spend your money.
Treasury connects through Plaid to more than 12,000 US financial institutions, including major banks, credit cards, and investment accounts.
Your first 14 days are free. Billing begins automatically when the trial ends using the annual or monthly option you selected. Cancel before then and you will not be charged.
Budgeting apps usually show one part of your finances, while generic AI starts without your context. Treasury keeps accounts, transactions, budgets, recurring expenses, and net worth connected, then grounds every answer in that complete picture.
See how much further your money can go.
Let Treasury uncover missed opportunities and show you what is possible across your entire financial life.
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