AI financial advisor
Ask questions about your finances in plain English and get answers grounded in your actual accounts, balances, and transactions. The product is framed as an AI money advisor rather than a static dashboard.
Treasury
Treasury is a personal finance app that connects accounts, tracks spending, and answers money questions in plain English. It combines budgeting, net worth tracking, subscription detection, and AI-assisted guidance in one app.
Overview
Treasury is a personal finance app that combines account aggregation, budgeting, transaction categorization, subscription tracking, and AI-generated answers in one place. It is positioned as a personal CFO that can help users understand what they can afford, where money is leaking, and how their net worth is changing.
The app emphasizes advice based on a user's actual financial context rather than generic guidance. On the site, Treasury describes this as a way to ask money questions in plain English, surface hidden savings, and make decisions with a clearer view of income, expenses, investments, and recurring charges.
Core features
Multiple budgets
Create separate budgets for different life chapters, such as a wedding, trip, house fund, or student loans. Treasury presents these as independent budgets instead of one shared spending plan.
Net worth tracking
Track checking, savings, investments, and credit cards together to see your net worth over time. The site shows this as a single chart with account-level detail underneath.
Subscription detection
Detect recurring charges automatically and surface subscriptions you may have forgotten about. Treasury uses this to highlight recurring spending and monthly totals.
Adaptive transaction categorization
Classify transactions automatically as they arrive and learn from your corrections over time. The site also calls out custom category learning rather than fixed presets.
Account sync across devices
Connect accounts through auto bank sync and browse the app on web, iPhone, and iPad. The pricing page also lists 12,000+ bank connections.
Common use cases
Replace spreadsheet-based tracking
Connect accounts and check spending, balances, subscriptions, and net worth in one place instead of maintaining separate spreadsheets or finance apps.
Plan around specific goals
Create a dedicated budget for a wedding, trip, house fund, or another life chapter and monitor progress against that goal separately from day-to-day spending.
Get plain-English financial answers
Ask direct questions such as what you can afford or where money is being lost, then use Treasury's context-aware answers to make a decision.
Find money leaks and recurring costs
Review recurring charges and transaction history to find forgotten subscriptions, hidden fees, or bills that may be worth negotiating.
Maintain cleaner transaction categories
Watch transactions get categorized automatically and correct the app when needed so it can learn your preferred categories over time.
Pros and Cons
Pros
- Combines budgeting, net worth tracking, subscriptions, and AI advice in one app.
- Uses the user's actual financial data to answer questions and explain recommendations.
- Supports multiple budgets for different goals or life stages.
- Automatically detects recurring charges and categorizes transactions as they arrive.
- Offers read-only access and states that it does not sell financial data.
Cons
- The site does not clearly spell out every supported institution or integration detail on the collected pages.
- Most advanced claims are framed through product messaging and benchmark results, so readers may want to evaluate how well the advice fits their own accounts and workflows.
FAQ
What is Treasury?
Treasury is a personal finance app that connects your accounts, tracks spending, and answers money questions in plain English. It is designed to combine budgeting, net worth tracking, subscription detection, and AI-assisted guidance in one place.
Is there a free trial?
The pricing page shows a 14-day free trial and says you can cancel anytime. The plan is billed at $95/year, with a monthly equivalent shown on the site.
How does Treasury handle security and privacy?
Treasury says it uses read-only access and 256-bit encryption, and its pricing page states that your data stays yours. The site also says it does not sell financial data.
What banks or accounts does Treasury support?
The site says Treasury connects to bank accounts and shows bank connections of 12,000+ on the features/pricing materials. It also highlights auto bank sync and support for accounts used in net worth and budgeting views.
What makes Treasury different from free finance apps?
Treasury is positioned as a single paid app rather than a free product, with one plan advertised on the pricing page. The site emphasizes that you pay for the service and it does not show ads.
Quick Facts
- Category
- Personal finance app
- Primary use
- Budgeting, account tracking, and AI money questions
- Platforms
- Web, iPhone, iPad
- Pricing
- Paid plan with 14-day free trial
- Security
- 256-bit encryption, read-only access
- Website
- treasury.sh
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