# Chat with Treasury AI Ask Treasury AI on Home or the Treasury AI page by typing, picking a suggestion or dictating, and it can answer with cards and charts of your data. ## Start a chat from Home or the Treasury AI page Treasury AI answers in a chat. Type in the **Ask about your finances...** box on Home or the **Treasury AI** page, then select **Send message** (the arrow). On a phone, there's no Treasury AI tab, so ask from the box at the bottom of Home. A question asked on Home starts a new chat on the **Treasury AI** page. On a computer, you can also press ⌘K (Ctrl+K on Windows), type a question and select **Ask Treasury about** it. On Home, Treasury AI suggests up to four questions about your own money, next to the box. They change from day to day, and a phone shows fewer when space is short. Select one to send it. In a new, empty chat on the **Treasury AI** page, these suggestions send a ready-made question: - **Budget deep dive** reviews a budget's categories and any overspending. - **Net worth snapshot** shows your net worth, accounts and trend. - **Upcoming bills** lists what's due in the next two weeks. - **Subscription audit** totals your subscriptions and flags any worth canceling. On Home and the **Treasury AI** page, suggestions hide while you type. ## Questions that get good answers Treasury AI answers best when a question names a period, account, budget or amount. For example: - "How much did I spend on dining out in May compared with April?" - "Show my transactions over $200 this month." - "Where did my money go last month?" - "Which debt should I pay off first?" - "How long until my car loan is paid off if I add $100 a month?" Start with "Show me" to get a card instead of text. Treasury AI may first ask a short follow-up question with options. For the data it uses, see [What Treasury AI can look at](https://treasury.sh/help/treasury-ai#can-read). ## Cards and charts in answers Treasury AI can answer with cards drawn from your Treasury data: - **Budget list**: up to 20 of your budgets. - **Budget analysis**: a budget's totals and each category against its target. Select a category for its top transactions. - **Budget flow**: a diagram of one budget's money in flowing to its categories. - **Spending flow**: the same diagram, titled **Money Flow**, across all accounts. It shows this month unless you name a period. - **Transactions**: matching transactions and their total. - **Spending summary**: merchants, categories or tags ranked by total, average or count. - **Accounts overview**: net worth and every account, grouped by type. - **Net worth**: your net worth, its change and a trend line. - **Recurring payments**: bills, subscriptions and income with amounts and next dates. - **Upcoming payments**: recurring bills and income due in the next 30 days, or the window you ask for. Card due dates are on the **Credit cards** card. - **Credit utilization**: how much of your credit limits you use, from **Excellent** to **Maxed Out**. - **Credit cards**: each card's balance. Select a card for its statement, **Minimum**, **Due** date and **APR**. - **Debts**: loans and cards carrying a balance, highest rate first. Cards paid in full each month are left out. - **Connections**: each bank's status, with **All healthy** or a count of issues. Most card headers open the matching page in Treasury. A flow diagram needs both money in and money out. There's no investments card, so investment answers come as text. ## Dictate a question 1. In the **Ask about your finances...** box, select **Dictate a message** (the microphone), then speak. 2. Select **Stop recording and transcribe** (the tick). Your words appear in the box. 3. Check the text, then select **Send message**. To cancel, select **Discard recording**. Recording stops and transcribes itself when you pause for a few seconds, or after 2 minutes. Dictation counts toward Treasury AI's weekly limit. If dictation doesn't start: - **Microphone access is off. Turn it on in Settings > Treasury.** means the iPhone app needs microphone access in your iPhone's **Settings**. - **Microphone access is blocked. Allow it in your browser settings.** means your browser needs microphone access. - **Update to the latest version of Treasury to use dictation.** means your Treasury app is out of date. Select **Update** to open the App Store. - A greyed-out microphone means this browser can't record, or dictation isn't available right now. Type your question instead. ## Stop an answer While Treasury AI answers, **Send message** becomes **Stop generating** (the square). Select it to stop. The part already written stays on screen until you leave, but Treasury doesn't save a stopped answer. Reopen the chat and only your question is there. A stopped answer still counts toward your weekly limit. ## Find, rename, pin or delete a chat 1. Select **Conversation history** (the speech bubbles) on Home or the **Treasury AI** page. On a computer, recent chats also show in the sidebar. 2. With 8 or more chats, use **Search your conversations** to find one by its name or words in it. 3. Open a chat to continue it, or select **New chat**. To change an open chat, select its name at the top of the **Treasury AI** page, then: - **Rename**: type up to 100 characters, then select **Save**. - **Pin**: keep it at the top of your history. You can pin up to 20 chats. - **Delete**: confirm with **Delete**. A chat's **⋯** menu in **Conversations** or the sidebar can also pin or delete it. In **Conversations**, **Delete** doesn't ask first. > [!CAUTION] > Deleting a chat removes its messages and can't be undone. It doesn't delete what [Treasury AI remembers](https://treasury.sh/help/treasury-ai-memory). ## Get help with Treasury AI chats If Treasury AI shows a limit message or stops answering, see [If Treasury AI stops answering](https://treasury.sh/help/treasury-ai#stopped). To see which services get your chats, see [How Treasury AI handles your data](https://treasury.sh/help/treasury-ai#privacy). --- Open Treasury AI in Treasury: https://app.treasury.sh/ai Page: https://treasury.sh/help/chat-with-treasury-ai Last checked against the app: 2026-11-04