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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
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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
Plan for what comes next
A flexible plan that moves with your life.
Investments
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Every holding and account in one view.
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N Subscriptions
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Upcoming charges, all on one calendar.
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T
C Net Worth
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Everything you own and owe, updated together.
Treasury Advisor
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Personal guidance grounded in your real numbers.
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.
#1 ON TREASURY BENCH
Better answers for the decisions that matter.
From everyday spending to life-changing decisions, Treasury gave the strongest answers of every money app we tested.
| Measure | Treasury | Origin | Monarch |
|---|---|---|---|
Grounding | 94 | 76 | 51 |
Correctness | 91 | 75 | 57 |
Resolution | 85 | 68 | 48 |
Prudence | 89 | 75 | 59 |
Speed | 12s | 46s | 101s |
Overall | 89 | 71 | 52 |
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.
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