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Treasury

Budgets

📈 Road to Riches

🇪🇸 Spain Trip '26

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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

Upcoming

Safeway$85.00

Spotify$12.99

REI$249.00

Where's my money going this month?

Money Flow

Mar 1 – 24

$6,350.00→$4,871.00

$2,241.84$1,494.56$683.23$555.12$225.25$495.79$330.53$151.10$122.77$49.82Salary: $5,200.00Salary$5,200.00Etsy Shop: $1,150.00Etsy Shop$1,150.00Rent: $2,100.00Rent$2,100.00Savings: $1,400.00Savings$1,400.00Groceries: $640.00Groceries$640.00Dining & Fun: $520.00Dining & Fun$520.00Subscriptions: $211.00Subscriptions$211.00

$6,350in,$4,871out—rentandsavingslead.Watch:$211/moinsubscriptions.

Am I keeping too much cash in checking?

Thought for 5s3 steps

Querying balances and account rates6 accounts

Measuring your monthly cash needs18 months

Calculating a safe amount to move4 scenarios

Breakdown by account

4 of 6

Chase Total Checking

Checking · 0.01% APY

$28,400.00

Marcus Online Savings

Savings · 4.25% APY

$18,600.00

Fidelity Brokerage

Investment

$126,880.00

Vanguard Roth IRA

Investment

$42,940.00

Yes. You have $28,400 in Chase checking earning 0.01%, while your average monthly outflow is $6,100. Your Marcus savings account already holds another $18,600, so your emergency reserve does not depend on leaving all of that cash in checking.

Keep $10,000 in checking for next month's bills and a comfortable cushion. Moving the remaining $18,400 to your existing Marcus account at 4.25% would earn about $780 more over the next year—without touching your investments or reducing your emergency fund.

YNAB— Budgeting

Rocket Money— Subscriptions

Empower— Net worth

CardPointers— Card strategy

ChatGPT— Money questions

Google Sheets— Manual tracking

Treasury

Budgeting here. Subscriptions there. Investments somewhere else. Treasury replaces the handoffs with tools that share context, uncover connections, and help you act without piecing the story together yourself.

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

goal

💍

Wedding 2027

Venue, travel, and vendors

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

Monthly · Aug 2

$11.99

Adobe Creative Cloud

$5.00

Monthly · Jul 18

$59.99

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.

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%

Grow

Know where you stand.

Follow net worth, investment-account values, assets, debts, available cash, and credit utilization together.

CategoryAccountTagsDate

Whole Foods

Jul 12 · Chase

$82.43

Spotify

Jul 10 · Capital One

$11.99

Adobe

Jul 8 · Chase

$59.99

Find

Find anything fast.

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

How can I spend less flying home to Tulsa?

Thought for 7s4 steps

You prefer nonstop flights and usually check a bag when visiting family in Tulsa. That makes Alaska status especially useful. In the past year, $6,480 of your $9,180 airline spend was with Alaska, across four round trips from Seattle to Tulsa.

Top Merchants

Past 12 months

Total $9,180.00

Alaska Airlines$6,480

Delta Air Lines$1,960

United Airlines$740

Showing 1–3 of 3

That pattern lines up with your Microsoft employee benefits: Alaska is the nonstop option on that route, and its current Microsoft fast track gives you trial Atmos Silver for 180 days; four qualifying round trips earn Atmos Gold. That can unlock free checked bags, priority boarding, preferred seating, bonus points, and upgrades when available.Past trips do not count and Saver fares are excluded, so only pursue it with travel you would take anyway. Use this link to register with your Microsoft email, then add your Atmos number before your next Tulsa trip.

What makes it a better answer

See the quality in context.

Choose a quality to see exactly where it appears in Treasury’s answer.

Built around your real financesUses your actual spending and travel patterns.

$6,480 of $9,180 spent with Alaska
Four recent SEA–TUL round trips
Airline spending across accounts

Remembers what matters to youUses context Treasury has learned over time.

Checked against current factsVerifies the route, offer, and benefits.

Honest about limits and tradeoffsShows when the opportunity is not worth it.

Clear about your next stepGives you a direct path to act on it.

TreasuryBench

Better answers, measured side by side.

A transparent benchmark of answer quality across real financial questions.

Zero dangerous Treasury answers in the latest evaluation.

Read the methodology → Compare money apps

Treasury

Origin

Monarch

Explore how Treasury keeps your financial picture current

Connections

7 accounts total

New Connection

Chase(3)

2m ago

Sapphire Preferredcredit card$1,247.32

Total Checkingchecking$8,420.18

Robinhood(2)

8m ago

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

Accounts

4 merged · 2 new

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

UndoGo to transactions

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.

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

Understand

See how the month moves.

Trace income into spending and savings with the same money-flow view used inside Treasury.

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

Jul 12 · Chase Sapphire

$82.43

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.

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.

No ads or data sales

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

See what Treasury can do with your real numbers.

Connect your accounts and try every feature free for 14 days.

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