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How can I safely spend $5,000 on a trip this year? Ask Treasury

4.7 on the App Store

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

📊Budget deep dive💰Net worth snapshot🔁Subscription audit

Where's my money going this month?

tracks every accountask it anythingfinds savings for younever sells your data

W

Whole Foods Groceries $82.43

S

Spotify Subscriptions $12.99

A

Alaska Airlines Travel $347.00

$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$6,500.00UGC: $1,200.00UGC$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

MSFT Microsoft

$46,280.40 +18.6%

AAPL Apple

$37,942.16 +12.4%

NVDA NVIDIA

$29,618.72 +41.8%

August 2026 $511.28 Light month

MTWTFSS

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Net Worth $824,382.50

▲ $42,180.20 (5.4%) Past Year

1M3M6M 1Y ALL

Which airline card fits how I actually travel?

Top airlines Past 12 months

Home airport · SEA

A

Alaska Airlines $6,480

D

Delta Air Lines $1,960

You fly from SEA and spend most with Alaska. The Atmos Rewards Ascent Visa could turn that into about 19,400 points, move you closer to Atmos Silver, and unlock a $99 Companion Fare after $6,000 in annual card spend.

One question. Your whole financial life behind the answer.

Treasury considers your spending, savings, investments, debt, property, and plans together before it answers.

Choose a decision

TransactionsCatches what your bank alerts miss

RewardsA card-rewards optimizer, built in

Debt & creditYour payoff plan and score, no extra app

HousingThe rent-vs-buy math, done for you

InvestingPortfolio and equity-comp decisions

RetirementWhether you’re actually on track

TaxesLower your bill, legally

Big decisionsTalk through the life-changing ones

Housing

Should I buy a condo or keep renting?

Thought for 6s3 steps

Querying your cash flow and assets6 accounts

Running rent-versus-buy projections24 scenarios

Including fees, equity, and opportunity cost

Testing the break-even horizon10 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.

TREASURYBENCH RESULTS

Better answers for the decisions that matter.

Treasury scored highest overall across 6 products tested on the same 59 personal-finance questions.

Quality dimension scores for all six products, out of 100

Treasury and ChatGPT quality scores out of 100

Compare Treasury with

ChatGPTPerplexityOriginSimplifiMonarch

What that looks like in practice

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

Maria, who works at Microsoft

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

ChatGPT

ClassPass — $89/mo: worth keeping only if you consistently use the credits. At $1,068/year, even modest underuse can make direct class purchases or a cheaper tier better.

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

What that looks like in practice

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

Maria, who works at Microsoft

Treasury

Found a work perk that could cover her $89/mo ClassPass

Perplexity

If you're not using most of your monthly credits, dropping a tier could save $20–50/month ($240–600/year).

Suggested a cheaper ClassPass tier; missed the Microsoft reimbursement

What that looks like in practice

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

Maria, who works at Microsoft

Treasury

Found a work perk that could cover her $89/mo ClassPass

Origin

ClassPass ($89 per month): This recurring wellness expense totals $1,068 annually. If you find your monthly credits are going unused or rolling over, stepping down to a lower tier can save $30 to $50 monthly without losing access.

Suggested a cheaper tier and missed the perk

What that looks like in practice

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

Maria, who works at Microsoft

Treasury

Found a work perk that could cover her $89/mo ClassPass

Simplifi

If you want to reduce recurring spending, ClassPass and Adobe are the biggest places to check first based on monthly cost. Netflix is smaller, but still easy to cut or pause if you’re not using it much.

Identified her subscriptions; suggested cuts but missed the Microsoft reimbursement

What that looks like in practice

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

Maria, who works at Microsoft

Treasury

Found a work perk that could cover her $89/mo ClassPass

Monarch

ClassPass – $89/month: Great if you’re going regularly, but pricey if you’re not. If your cost per class is high or you’ve been skipping weeks, pausing or downgrading would make sense.

Found ClassPass, but suggested pausing or downgrading instead of claiming the perk

Selected example of Treasury’s strengths. Verbatim captured excerpts, trimmed for length; emphasis added.

Explore the full results

In their words

Why people switch to Treasury.

4.7 on the App Store

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.

Your 14-day free trial

Take Treasury for a test drive.

Bring your accounts together and discover missed savings, smarter moves, and answers shaped around your entire financial life.

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A few things before you start.

Clear answers to the questions that can get in the way of starting.

Can Treasury move my money?

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.

Which accounts and institutions can I connect?

Treasury connects through Plaid to more than 12,000 US financial institutions, including major banks, credit cards, and investment accounts.

What happens after the free trial?

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.

Why not use a budgeting app or generic AI?

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.

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