# Treasury: AI Budgeting & Bills — Money Manager, Expense Tracker

> AI money manager for budgeting, expense tracking, and financial planning. (iPhone/iPad app by Treasury Technologies, Inc..)

- Source: https://appshunter.io/ios/app/treasury-ai-budgeting-and-bills/id6756083347 (this page in markdown: same URL + `.md`)
- Developer: [Treasury Technologies, Inc.](https://appshunter.io/developer/1858396665)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 4.50/5 from 20 App Store ratings · 9 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 13 MB
- Languages: American English
- Released: 2025-12-15
- Data updated: 2026-11-05
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/treasury-ai-budgeting-and-bills/id6756083347/reviews.md

## What is Treasury?

Treasury is your AI money manager. Link your US bank accounts, then ask anything about your money. Treasury answers from your real transactions and helps you plan your next move.

Budgets, a bill and subscription calendar, spending and net worth, all in one place.

GOOD TO KNOW
• New members get 14 days free, then $12.99/month or $95/year. Cancel anytime.
• Bank linking supports US financial institutions, through Plaid.
• Read-only access: Treasury can't move your money, and we never sell your data.

GET ANSWERS ABOUT YOUR MONEY
"Where did my money go this month?"
"How much is left in my budget?"
"Which subscriptions am I paying for?"

Ask in plain English. Treasury AI uses your financial data to explain spending changes, review recurring costs and help you consider your next steps. See the relevant numbers right in the conversation, ask follow-up questions and explore what matters to you.

Share your goals and preferences so Treasury can remember what matters to you. You control what it remembers in Settings.

BUILD A BUDGET THAT FITS YOUR LIFE
Use Treasury as your budget planner for everyday expenses, a vacation or a savings goal. Set your own categories and planned amounts. Track income, spending and savings, with planned-versus-actual breakdowns that update as transactions sync from your connected accounts.

ORGANIZE BILLS AND SUBSCRIPTIONS
See recurring bills, subscriptions and income on one calendar. Review detected payments, add items yourself and check expected amounts and dates. Use the bill organizer alongside your budget to understand how upcoming expenses fit into your plans.

SEE WHERE YOUR MONEY GOES
Bring transactions from your connected accounts into one spending tracker. Automatic categorization, custom categories and tags help you organize the details. Search for a charge, compare spending by category and spot changes over time.

TRACK YOUR NET WORTH AND INVESTMENTS
See your assets and debts together and follow how your net worth changes. Review investment holdings, portfolio allocation and history alongside your everyday finances. Ask Treasury AI to help you understand the bigger picture.

KEEP CONTROL OF YOUR MONEY
Connect supported financial accounts through Plaid. Your financial data is encrypted in transit and at rest. Connections are read-only: Treasury cannot move your money or pay bills. We do not sell your financial data.

Connect your accounts, ask your first question and make your next money decision with a clearer picture.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://treasury.sh/privacy

## Key features

- AI-powered financial insights
- Link US bank accounts
- Budget planning and tracking
- Bill and subscription calendar
- Spending and net worth tracking
- Investment portfolio overview

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Treasury Annual | $95.00 | per year |
| Treasury Monthly | $12.99 | per month |


## Is Treasury safe?

Not enough ratings yet to assess Treasury.

## Is Treasury legit?

Treasury: AI Budgeting & Bills has limited verification signals. The AppsHunter Legitimacy Score for Treasury is 58 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (9 of 9)

All indexed reviews: https://appshunter.io/ios/app/treasury-ai-budgeting-and-bills/id6756083347/reviews.md

### 3/5 — Lacking Creditors

*2026-10-29*

Apple Card and Ally Auto are not available.

### 5/5 — Very intuitive and straightforward

*2026-10-26*

Probably the best budgeting app around. especially the AI is super useful

### 5/5 — Was skeptical but love it

*2026-10-26*

at first, I was really skeptical because I’m sometimes skeptical of just adding more and more AI tools, but this is really nice to be able to prompt and get answers about my finances across different platforms. There are still some little improvements that need to be done, especially when it comes to credit card payments counting double is expenses and things like that but overall it’s a great platform.

### 5/5 — simplicity and efficiency

*2026-07-24*

The app is easy to use at sametime so efficient. All in one, smart and easy to navigate. It’s also very AI friendly..

**Developer response:** Thank you! Keeping Treasury simple to navigate while the AI does the heavy lifting is exactly what we're going for. If there's ever something you wish it did, we'd love to hear it at support@treasury.sh.

### 5/5 — It’s like having ChatGPT inside your bank account

*2026-06-23*

I love the idea of having AI just fully aware of all my spending and habits and I can ask for whatever I want, I already see this app getting exponentially better and I’m here for it. It would be nice if you can ask ai to generate tabs in the app that are dedicated for a single type of spending. Like track how much I spend on my pets and I can have a dedicated tab for that, maybe a way to upload pics of receipts in the moment after shopping then ai goes and checks your bank account to match that receipt and categorize it for you. This way you can have more detailed information and when I ask ai how much I spent on my pets it can actually know. Anyways love the app if you are hesitant, TRY IT! you won’t regret it

**Developer response:** Thank you for such a thoughtful review! Tracking spending on one thing, like your pets, and matching receipts to transactions are both great ideas, and we've shared them with the team. Keep asking Treasury anything, and thank you for recommending it.

### 5/5 — This is the one!

*2026-05-05*

I’ve been looking for a better way to manage finances across all my different cards, banks, and accounts. I’ve tried Rocket Money and a few other apps, but for whatever reason, they never really stuck for me.

Treasury has been different. It actually makes checking my spending and budget feel simple, clear, and kind of fun. I’ve found myself wanting to open the app, categorize things, look at my budget, and see how I’m doing toward my goals.

The AI assistant is a really nice addition too. It helps me step back and see whether my spending actually matches what I think I’m doing in my head, which is honestly super useful.
Really excited to keep using it and seeing it grow!

**Developer response:** This made our day. We built Treasury so checking in on your money feels clear and even a little fun, so it's great to hear it stuck for you. Thanks for growing with us!

### 5/5 — The best finance app money can buy!

*2026-04-29*

I’ve been using Treasury for a few months now and already it saved me so much money in redundant subscriptions and overall financial planning decisions that have helped me live a better life for less.

**Developer response:** Thank you! We're really glad Treasury helped you catch subscriptions you didn't need and plan with more confidence.

### 5/5 — Best App I used so far

*2026-01-25*

I love the fact that they don’t sell our data. It’s super organized and easy to use

**Developer response:** Thank you! Your trust matters to us. Treasury never sells your data, and we're glad it feels organized and easy to use.

### 5/5 — Finally a budgeting app that actually makes sense!

*2025-12-19*

Treasury is hands down the best budgeting app I’ve ever used. What sets it apart is how flexible and personalized it is. I can create multiple budgets for different purposes, such as my everyday spending and separate budgets for specific goals like trips or short-term projects, without everything getting mixed together.

One of my favorite features is the ability to customize my own categories and then quickly review and re-categorize transactions in bulk. Being able to “turbo review” transactions makes staying on top of my spending fast and actually enjoyable, and the categories reflect my life instead of forcing me into generic labels.

## Frequently asked questions about Treasury

### What is Treasury?

Treasury is an AI money manager that connects to your US bank accounts. It helps you understand your spending, manage budgets, track bills, and monitor your net worth by analyzing your real financial data.

### How does Treasury's AI work?

Treasury AI uses your linked financial data to answer questions in plain English about your money. It can explain spending changes, review recurring costs, and help you plan your next financial steps by providing relevant numbers and insights.

### What are the pricing details for Treasury?

New members receive a 14-day free trial. After the trial, subscriptions cost $12.99 per month or $95 per year. You can cancel your subscription at any time.

### Does Treasury have ads?

No, Treasury does not contain advertisements. It is ad-free, allowing for an uninterrupted financial management experience.

### What financial institutions does Treasury support?

Treasury supports bank linking for US financial institutions through Plaid. It offers read-only access, meaning Treasury cannot move your money or pay bills.

### How secure is my financial data with Treasury?

Your financial data is encrypted in transit and at rest. Treasury uses read-only connections and states that it never sells your data, ensuring your financial information is kept private and secure.

### What devices can I use Treasury on?

Treasury is available on iPhone, iPad, and iPod. It is designed for users who want to manage their finances on Apple mobile devices.

### How often is Treasury updated?

Treasury was last updated on October 28, 2026, with version 26.10.3. This indicates a commitment to regular updates and improvements for the application.

## Version history (last 5 releases)

### 26.10.3 — 2026-10-28

• Home Screen widgets refreshed to match Treasury's new look, with glass budget bars that show when you're over budget
• Bug fixes and performance improvements.

### 26.10.2 — 2026-10-27

• Bug fixes and performance improvements.

### 26.10.1 — 2026-10-16

Smoother everywhere: every date now opens Treasury's own calendar, and the keyboard stays out of your way on simple fields. Enjoying Treasury? You may occasionally see Apple's rating prompt after a moment that went well. It takes two taps, and you can always skip it.

### 26.9.8 — 2026-09-30

• Smoother navigation: pages slide in and out as you move around, and you can swipe back from anywhere on the screen.
• A new floating tab bar. Tap the tab you're on to jump back to the top.
• Going back returns you to where you were in the list.
• Starting a chat from Home flows straight into the conversation.
• The message box moves up with your keyboard instead of hiding behind it.
• Bug fixes and performance improvements.

### 26.9.6 — 2026-09-28

• Voice input now remembers your microphone choice. Allow it once and Treasury won't ask again every time you open the app.
• Bug fixes and performance improvements.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-11-05.*