Features

More than a money tracker. A system for your financial life.

See the full picture, keep the numbers clean, plan what comes next, and get advice grounded in your actual finances.

Tuesday, Mar 24

Good afternoon, Penny

Net Worth

$148,726.43

▲ $5,354.15 (3.6%)

📈 Road to Riches

Income $8,437 / $9,000
Expenses $5,118 / $6,000
Savings $2,940 / $3,000

Recent

Whole Foods Whole Foods $72.30
Uniqlo Uniqlo $48.00
Monorail Espresso Monorail Espresso $5.40

Upcoming

Safeway Safeway $85.00
Spotify Spotify $12.99
REI REI $249.00
Ask anything…

AI money advisor

Advice that gets the facts right.

Treasury grounds every answer in your actual finances, checks what is current, and stays careful when the wrong recommendation could cost you.

TreasuryBench overall score

Treasury
89
Origin
71
Monarch
52
See the full TreasuryBench methodology

Personalized opportunities

Find opportunities hiding in your money.

Spot idle cash, missed benefits, unnecessary fees, overlooked tax advantages, and other opportunities that fit your actual finances.

How can I save faster for a home without cutting everything I enjoy?

Your rent is the bigger lever. You pay $2,350 a month in Seattle, and the income and household size you shared make a local affordable-housing program worth checking before smaller spending cuts.

Treasury Insight

Before renewing, check Seattle’s MFTE apartments. A comparable unit for $400 less would redirect $4,800 a year to your home fund—without touching the rest of your spending.

Treasury would compare your gross income with the current program limits and available units before treating the savings as real.

2026 HSA family contribution limit Current

Updated for the 2026 tax year

IRS guidance
$8,750

Always current

The right fact for right now.

When a contribution limit or tax rule changes, Treasury shows the current figure and where it came from—not an old number recalled from model training.

Memory
Goal Buy a home in 2028
Household Married, one child
Safety reserve Keep six months untouched

Context that carries forward

Your next question starts further ahead.

Treasury can remember the goals and life context that change the answer. Every fact stays visible, editable, and optional.

Your complete financial picture

From scattered accounts to one place that makes sense.

Bring in the accounts and history you already have, then see what you own, what you owe, and what is actually available without rebuilding your financial life from zero.

Connections

7 accounts total

Chase
Chase (3)
2m ago
Sapphire Preferred credit card $1,247.32
Total Checking checking $8,420.18
Robinhood
Robinhood (2)
8m ago
Wells Fargo
Wells Fargo (2)
14m ago

Connect

Every institution, one current view.

Read-only sync keeps balances and transactions current across more than 12,000 US financial institutions.

All done

Imported 2,418 transactions

Your history is now in Treasury.

Transactions

2,418

36 duplicates skipped

New categories

8

Accounts

6

4 merged · 2 new

Categorization is running. Imported transactions will get categories over the next few minutes.

You can undo this import within 7 days.

Import

Bring the history you already built.

Move over transactions from supported apps or CSV, with duplicate detection, category mapping, and a seven-day undo window.

Net Worth

$824,382.50

▲ $42,180.20 (5.4%) this year

1M3M6M1YALL

Assets

$862,410

Liabilities

$38,027

Net Cash

$24,920

Debt Ratio

4.4%

Understand

See everything you own and owe.

Net worth, assets, liabilities, available cash, and debt ratio stay together in the same view.

Numbers you can trust

Less time fixing the data. More confidence using it.

Treasury handles the repeatable work, keeps money moving between your own accounts from distorting the picture, and makes the remaining judgment calls fast.

Auto-Categorize Mode

Hands-free

All

Every transaction is categorized for you. You can always adjust later.

Balanced

Confident only

Auto-Categorizes only when highly confident. You review the rest.

Manual

None

Auto-Categorize will be disabled. You categorize everything manually.

Learn

Categorization that follows your lead.

Choose how much Treasury should automate. Predictions stay visible and editable.

Review Transactions

3 / 12
Whole Foods

Whole Foods

Jul 12 · Chase Sapphire

$82.43

Category

Review

Clear the edge cases without losing an evening.

Turbo Review turns the uncategorized remainder into a focused, keyboard-first flow.

Handle Internal Transfers

Choose what Treasury should do when money moves between your own accounts.

Leave Unreviewed
Exclude from Budget
Auto- Delete

Exclude from Budget

Drops the transfer from budgets and spending totals so a credit-card payoff does not double-count, but keeps it visible in your list.

Reconcile

Card payments stop looking like new spending.

Treasury matches internal transfers and lets you choose exactly how they affect budgets and review.

Plan around real life

See where money is going. Give it somewhere to go.

Create distinct plans for everyday life and future goals, keep recurring commitments in view, and see income flow into spending and savings across the same history.

Budget Type

Ongoing

A daily spending pace that adapts to the date range.

Goal

A fixed amount for a milestone or purchase.

Budgets

🏠

House Fund

Down payment by 2028

2
goal
💍

Wedding 2027

Venue, travel, and vendors

3
goal
🌿

Everyday Life

Monthly household plan

ongoing

Budget

A separate plan for each part of life.

Use ongoing budgets for daily pace and goal budgets for a defined amount or milestone.

3 new recurring transactions detected

Review and categorize to keep tracking accurate

DismissReview

Recurring

Upcoming payments and subscriptions

$115.98/mo

Spotify Premium

Spotify Premium

Monthly · Aug 2

$11.99

Adobe Creative Cloud

Adobe Creative Cloud

$5.00

Monthly · Jul 18

$59.99

Peloton

Peloton

Monthly · Jul 22

$44.00

Sibling services stay separate, and your edits are never overwritten.

Anticipate

Know what repeats before it lands.

Review detected income and expenses, see upcoming dates, and catch real price changes.

Money Flow

This month

$7,700 → $6,120

$2,775.80$1,734.88$948.40$624.56$416.37$512.46$320.28$175.09$115.30$76.87Salary: $6,500.00Salary$6,500.00Other income: $1,200.00Other income$1,200.00Housing: $2,400.00Housing$2,400.00Savings: $1,500.00Savings$1,500.00Food: $820.00Food$820.00Bills: $540.00Bills$540.00Travel: $360.00Travel$360.00

Follow the flow

See income become spending and savings.

Trace the month across categories in the same money-flow view used inside Treasury.

CategoryAccountTagsDate
Whole Foods

Whole Foods

Jul 12 · Chase

$82.43

Spotify

Spotify

Jul 10 · Capital One

$11.99

Adobe

Adobe

Jul 8 · Chase

$59.99

Find

Find anything fast.

Search every account and narrow transactions by category, account, tags, or date.

Control the details

Your financial life is personal. The controls should be too.

Find and organize the exact activity you need, keep unusual transactions from distorting the picture, settle shared spending, and keep credit usage visible.

Organize money your way

Use several tags on one transaction without forcing it into another category.

Tags on this transaction

Trip to Italy Reimbursable Add tag
Search tags...
Trip to Italy
Reimbursable
Apartment

Keep credit usage in view

See overall utilization and the balance-to-limit ratio on each card before it starts working against you.

Credit Utilization

$2,400.00 of $12,000.00 20%
ExcellentGoodHighVery HighMaxed Out
C
Chase Sapphire $1,400.00 / $8,000.00 18%
C
Capital One $1,000.00 / $4,000.00 25%

Split it, then request it

Choose a share of any transaction and open a ready-to-send Venmo request for that amount.

Dinner at Lilia

Original amount

$126.40

50%

$63.20

33%

$42.13

25%

$31.60

Request $63.20
Confirm

Exclude the noise

Keep unusual activity in your history without letting it distort budgets or spending.

R

Client reimbursement

Jul 9 · Chase Sapphire

+$84.50

Exclude from calculations

Keep it visible in history

Private by default

Your data serves your decisions.
Never someone else’s business.

Read-only connections

Treasury can read balances and transactions, but never move, withdraw, or pay with your money.

Encrypted financial data

Your financial information is protected in transit and at rest, with bank credentials kept outside Treasury.

Subscription-funded

You are the customer. Treasury does not sell your financial data or build an advertising business from it.

Wherever you are

Start on your phone. Finish on your laptop.

Phone, tablet, laptop, or the web — one Treasury, always in sync, so you pick up right where you left off.

On the App Store, or any browser
Always in perfect sync
One subscription, every device
Net worth and budget widgets on iPhone
Want the head-to-head? Compare Treasury See the benchmark

Ready when you are

Clarity that compounds. Start building it today.

Your whole financial life in one place, quietly working for you.

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