Best AI Personal Finance Apps: 6 Tested | TreasuryBench

01 / Overall results

Treasury scored highest overall.

Average final task score, out of 100. Higher is better. This is a composite evaluation score, not a percentage of answers that are correct.

Overall TreasuryBench score

Product / tested configurationScore · 0–100

01

TreasuryAI Advisor

95

02

ChatGPTGPT-6 Astra · Medium *

89

03

PerplexityComputer · Default Orchestrator

84

04

OriginAI Advisor

76

05

Quicken SimplifiQuicken AI Beta

61

06

MonarchAI Assistant

53

Quality dimensions

Product Grounding Correctness Resolution Prudence
Treasury 98 98 96 96
ChatGPT 92 93 88 95
Perplexity 90 88 86 91
Origin 76 84 77 84
Quicken Simplifi 52 74 51 72
Monarch 44 63 46 66

02 / Cost

Best answers. Better value.

Treasury led the benchmark with the second-lowest subscription price among the 6 reference plans compared, at $7.92/month billed annually.

Higher score, lower cost · score ≥80 and ≤$20/month equivalent

Overall score / 100 $5 $10 $20 $40 $80 $120 Monthly equivalent ($) · log scale

Treasury $7.92/mo ChatGPT $100.00/mo Perplexity $16.67/mo Origin $8.25/mo Quicken Simplifi $6.99/mo Monarch $8.33/mo

03 / Response times

A good advisor doesn’t leave you waiting.

Treasury paired the highest score with the shortest recorded median response time: 9.4 seconds.

Higher score, faster response · score ≥80 and ≤20s

Overall score / 100 5 10 20 40 80 160 Response time (seconds) · log scale

Treasury 9.4s ChatGPT 18s Perplexity 103s Origin 47.7s Quicken Simplifi 14.8s Monarch 86.2s

04 / Domain analysis

Strong advice across your financial life.

Compare how the apps performed on spending, debt, investing, retirement, and more.

Debt & Credit Health

Treasury and ChatGPT tied for first.

Treasury

99

ChatGPT

99

Origin

95

Quicken Simplifi

93

Employer Benefits & Perks

Treasury scored highest.

Treasury

98

ChatGPT

89

Origin

82

Perplexity

73

Housing & Rent

Treasury scored highest.

Treasury

97

ChatGPT

93

Perplexity

90

Origin

79

Transaction Intelligence

Treasury scored highest.

Treasury

97

ChatGPT

91

Perplexity

89

Quicken Simplifi

88

Investing & Equity Comp

Treasury scored highest.

Treasury

96

ChatGPT

90

Perplexity

86

Origin

67

Insurance & Risk Protection

Treasury scored highest.

Treasury

96

Perplexity

95

ChatGPT

91

Origin

84

Credit Cards & Rewards

Treasury scored highest.

Treasury

95

ChatGPT

82

Origin

74

Perplexity

72

Life Planning & Major Decisions

ChatGPT scored highest.

ChatGPT

95

Treasury

94

Perplexity

81

Origin

75

Cashflow & Budgeting

Treasury scored highest.

Treasury

93

ChatGPT

87

Perplexity

84

Origin

73

Savings & Expense Reduction

Treasury scored highest.

Treasury

93

ChatGPT

80

Perplexity

74

Origin

72

Tax Strategy

ChatGPT scored highest.

ChatGPT

96

Treasury

93

Perplexity

88

Origin

73

Retirement & Tax-Advantaged

Treasury and Perplexity tied for first.

Treasury

91

Perplexity

91

ChatGPT

88

Origin

65

05 / Qualitative evidence

What better answers look like.

Each example uses the same question and financial context across the products. These selected excerpts illustrate Treasury’s strengths; they are not a random sample of the run.

Subscriptions

Maria, who works at Microsoft

“Are any of my subscriptions or recurring charges worth changing?”

100 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

What makes it a better answer

See the quality in context.

Choose a strength to highlight the relevant words in Treasury’s captured answer.

Connects spending to your benefits

Identifies Microsoft Perks+ as the relevant reimbursement program.

Where the others landed

65 Perplexity Suggested a cheaper ClassPass tier; missed the Microsoft reimbursement

59 ChatGPT Treated ClassPass as a cost to trim, not a perk to claim

59 Quicken Simplifi Identified her subscriptions; suggested cuts but missed the Microsoft reimbursement

45 Origin Suggested a cheaper tier and missed the perk

Priya, a parent with a toddler in daycare

“Is there a smart way to earn rewards on daycare without giving back the value in fees?”

100 Treasury

A pre-tax Dependent Care FSA beats credit card points by an order of magnitude. The 2026 statutory limit for married couples filing jointly is $7,500. … giving you over $2,100 in guaranteed tax savings with zero fee leakage.

✓ Put the dependent care FSA ahead of card points

05 / Complete results

The full results, category by category.

All six products across all 12 categories. Bold scores mark each category’s winners, including ties.

Debt & Credit Health

Payoff & credit score · scores out of 100

  1. Treasury Tied first 99
  2. ChatGPT Tied first 99
  3. Origin 95
  4. Quicken Simplifi 93
  5. Monarch 88
  6. Perplexity 86

Employer Benefits & Perks

Workplace perks · scores out of 100

  1. Treasury Highest 98
  2. ChatGPT 89
  3. Origin 82
  4. Perplexity 73
  5. Monarch 44
  6. Quicken Simplifi 37

Housing & Rent

Rent, buy & move · scores out of 100

  1. Treasury Highest 97
  2. ChatGPT 93
  3. Perplexity 90
  4. Origin 79
  5. Quicken Simplifi 57
  6. Monarch 56

Transaction Intelligence

Where your money went · scores out of 100

  1. Treasury Highest 97
  2. ChatGPT 91
  3. Perplexity 89
  4. Quicken Simplifi 88
  5. Origin 85
  6. Monarch 75

Investing & Equity Comp

Portfolio & RSUs · scores out of 100

  1. Treasury Highest 96
  2. ChatGPT 90
  3. Perplexity 86
  4. Origin 67
  5. Monarch 56
  6. Quicken Simplifi 49

Insurance & Risk Protection

Coverage gaps · scores out of 100

  1. Treasury Highest 96
  2. Perplexity 95
  3. ChatGPT 91
  4. Origin 84
  5. Monarch 67
  6. Quicken Simplifi 60

Credit Cards & Rewards

Cards & points · scores out of 100

  1. Treasury Highest 95
  2. ChatGPT 82
  3. Origin 74
  4. Perplexity 72
  5. Quicken Simplifi 50
  6. Monarch 38

Life Planning & Major Decisions

Big-decision guidance · scores out of 100

  1. ChatGPT Highest 95
  2. Treasury 94
  3. Perplexity 81
  4. Origin 75
  5. Quicken Simplifi 62
  6. Monarch 50

Cashflow & Budgeting

Income vs. spending · scores out of 100

  1. Treasury Highest 93
  2. ChatGPT 87
  3. Perplexity 84
  4. Origin 73
  5. Monarch 63
  6. Quicken Simplifi 60

Savings & Expense Reduction

Cutting waste · scores out of 100

  1. Treasury Highest 93
  2. ChatGPT 80
  3. Perplexity 74
  4. Origin 72
  5. Quicken Simplifi 62
  6. Monarch 51

Tax Strategy

Deductions & timing · scores out of 100

  1. ChatGPT Highest 96
  2. Treasury 93
  3. Perplexity 88
  4. Origin 73
  5. Quicken Simplifi 57
  6. Monarch 43

Retirement & Tax-Advantaged

401(k), HSA & Roth · scores out of 100

  1. Treasury Tied first 91
  2. Perplexity Tied first 91
  3. ChatGPT 88
  4. Origin 65
  5. Quicken Simplifi 60
  6. Monarch 37

Overall

Average final task score · scores out of 100

  1. Treasury Highest 95
  2. ChatGPT 89
  3. Perplexity 84
  4. Origin 76
  5. Quicken Simplifi 61
  6. Monarch 53
Financial category Treasury ChatGPT Perplexity Origin Quicken Simplifi Monarch
Debt & Credit Health Payoff & credit score 99 99 86 95 93 88
Employer Benefits & Perks Workplace perks 98 89 73 82 37 44
Housing & Rent Rent, buy & move 97 93 90 79 57 56
Transaction Intelligence Where your money went 97 91 89 85 88 75
Investing & Equity Comp Portfolio & RSUs 96 90 86 67 49 56
Insurance & Risk Protection Coverage gaps 96 91 95 84 60 67
Credit Cards & Rewards Cards & points 95 82 72 74 50 38
Life Planning & Major Decisions Big-decision guidance 94 95 81 75 62 50
Cashflow & Budgeting Income vs. spending 93 87 84 73 60 63
Savings & Expense Reduction Cutting waste 93 80 74 72 62 51
Tax Strategy Deductions & timing 93 96 88 73 57 43
Retirement & Tax-Advantaged 401(k), HSA & Roth 91 88 91 65 60 37
Overall 95 89 84 76 61 53

Treasury maintains this evaluation of 59 questions across two synthetic households. Scores combine financial checks with an LLM judge using the same task rubric for each product.