# Treax AI — Finances, Your Way

> AI-powered personal finance manager for budgeting, BNPL tracking, and shared expenses. (iPhone/iPad app by Fiveset.)

- Source: https://appshunter.io/ios/app/treax-ai/id6752579830 (this page in markdown: same URL + `.md`)
- Developer: [Fiveset](https://appshunter.io/developer/1839998340)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings · 2 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 47 MB
- Languages: German (Germany), American English, French (France), Italian, Dutch, European Portuguese, Swedish, European Spanish, Turkish
- Released: 2025-11-25
- Data updated: 2026-10-03
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/treax-ai/id6752579830/reviews.md

## What is Treax AI?

Treax AI: Stop Guessing. Start Growing.

Ever look at your bank balance and wonder where the money went? Most finance tools feel like a second job - manual entry, confusing charts, invasive bank connections, and surprise installment fees.

Treax is different. Designed for clarity, speed, and total privacy, Treax is the AI-powered financial command center that turns spending data into a clear roadmap for wealth - for couples, families, and individuals.

Whether you’re managing household budgets together with Shared Ledgers, tracking Buy Now Pay Later (BNPL) plans, or eliminating unnecessary spending leaks, Treax gives you total control without compromising your security.


WHAT’S NEW IN THIS RELEASE

• Shared Ledgers: Create dedicated shared budget spaces to track joint expenses seamlessly with a partner, spouse, housemates, or small group.
• BNPL & Installment Tracker: Easily monitor Buy Now, Pay Later plans (Klarna, Affirm, Pay in 4) so future installment payments never catch you off guard.
• One-Tap Expense Templates: Save custom templates for daily coffee, routine commutes, or frequent groceries for lightning-fast logging.
• Enhanced "Ask Treax" AI: Chat directly with your personal financial CFO for real-time feedback and actionable spending advice.
• Upgraded Security: Strengthened encryption and local privacy controls keep your financial records 100% isolated.


WHY CHOOSE TREAX?

• Shared Spaces for Couples & Groups: Manage shared household costs seamlessly in collaborative, multi-user ledgers.
• Zero Bank Sync Required: No linking accounts, no Plaid disconnects, and zero risk. Keep your accounts isolated and private.
• Rapid-Entry & Templates: Log expenses in seconds using custom 1-tap templates before the receipt is even printed.
• Smart Installment & Debt Tracking: Stay ahead of BNPL schedules and recurring bills in one unified dashboard.
• Conversations, Not Graphs: Use the "Ask" feature to get actionable financial feedback tailored specifically to your goals.


THE TREAX WEALTH-BUILDING TOOLKIT

1. Collaborative Shared Ledgers
Budgeting is better together. Set up shared spaces for rent, groceries, or group trips. Keep joint expenses organized without revealing private individual transactions.

2. "Ask" Treax (Your Personal CFO)
Stop staring at static spreadsheets. Just ask: "How much did we spend on takeout this month?" or "Can we afford our upcoming BNPL installment?" Get instant, data-backed feedback to optimize your cash flow.

3. Complete Debt & BNPL Management
Never miss a split payment. Track all BNPL installments, credit card payoffs, and debt reduction progress side-by-side with your monthly budget.

4. Effortless Budgeting & Templates
Set custom targets for living costs, savings, and guilt-free spending. Use 1-tap templates to record routine expenses instantly without typing from scratch.

5. Visual Financial Storytelling
Turn raw numbers into clean, high-contrast charts. Visualize spending trends across custom date ranges to find the "hidden money" in your budget.


BANK-GRADE SECURITY & PRIVACY

Your financial privacy is our obsession.

• 100% Private & Isolated: We use bank-level encryption. Your financial data stays safely in your hands.
• Zero Data Selling: We never monetize or sell your financial habits to advertisers.
• No Bank Access: Treax never connects to your bank accounts—meaning zero risk of compromised credentials.


DESIGNED FOR REAL LIFE

Treax is built for anyone who wants to master their money without sacrificing privacy or spending hours on a laptop. Perfect for couples, families, side-hustlers, and individuals. 

Download Treax today - Your money, finally mastered.

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

Privacy Policy: https://fiveset.io/aplume/privacy-policy

## Key features

- AI-powered financial insights
- Shared ledgers for couples/groups
- Buy Now Pay Later (BNPL) tracking
- One-tap expense templates
- Zero bank sync required
- Personalized financial advice via chat

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Treax Plus - Monthly | $9.99 | per month |
| Treax Plus - Yearly | $79.99 | per year |


## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/treax-ai/id6752579830/reviews.md

### 5/5 — Convenient

*2026-05-13*

Helping me to track my expenses, love it

### 5/5 — Great

*2026-03-15*

Best app on earth for personal finances.

## Frequently asked questions about Treax AI

### Does Treax AI have ads?

Yes, Treax AI contains advertisements. As a free application with in-app purchases, ads are displayed to support its continued development and availability.

### What are the subscription options for Treax AI?

Treax AI offers a 'Treax Plus' subscription available in monthly ($9.99/month) and yearly ($79.99/year) plans. The yearly plan includes a 7-day free trial.

### How secure is Treax AI?

Treax AI prioritizes security with strengthened encryption and local privacy controls, ensuring your financial records are isolated. It does not require linking bank accounts, eliminating the risk associated with data breaches from third-party financial institutions.

### Can I track Buy Now Pay Later plans with Treax AI?

Yes, Treax AI features a dedicated BNPL & Installment Tracker. You can easily monitor plans from providers like Klarna and Affirm, ensuring you stay on top of future installment payments.

### How does Treax AI help with shared expenses?

Treax AI allows you to create 'Shared Ledgers,' dedicated budget spaces for managing joint expenses with partners, spouses, or housemates. This makes tracking shared costs seamless and organized.

### What is the 'Ask Treax' feature?

'Ask Treax' is an AI-powered feature that acts as your personal financial CFO. You can chat with it to get real-time feedback and actionable advice on your spending habits and financial goals.

### Is Treax AI available on all devices?

Treax AI is supported on iPhone, iPad, and iPod devices. It is designed to provide a consistent experience across Apple's mobile ecosystem.

### How often is Treax AI updated?

The latest version, 1.3.0, was released on August 19, 2026, indicating regular updates. This suggests the app is actively maintained and improved by its developers.

## Version history (last 4 releases)

### 1.3.0 — 2026-08-19

Our biggest update yet is here!

• NEW: Shared Ledgers – Manage budgets together! Create shared spaces to track joint expenses with partners, housemates, or family members.
• NEW: BNPL & Installment Tracker – Track Buy Now, Pay Later plans (Klarna, Pay in 4, split payments) and keep future cash flow crystal clear.
• NEW: One-Tap Expense Templates – Set up custom templates for routine spending to make manual logging lightning fast.
• ENHANCED: "Ask Treax" AI CFO – Get deeper financial feedback, instant queries, and coaching in chat.
• UPGRADED: Enhanced Security – Advanced encryption safeguards to keep your financial data strictly private.

Love Treax? Please leave us a review on the App Store!

For more details:
https://fiveset.io/treax/whats-new/1.3.0

### 1.2.0 — 2026-03-04

What’s New: Simpler, Faster, Better.

Logging in just got a whole lot easier! We’re thrilled to introduce Single Sign-On (SSO)—you can now access your account instantly using your Google or Apple ID. No more juggling passwords.

But that’s not all:

iPad Optimization:
We’ve polished the iPad experience to make managing your finances on a larger screen smoother and more intuitive than ever.

Under the Hood:
We’ve squashed dozens of bugs and fine-tuned performance to ensure the app stays as fast as your financial goals.

### 1.1.0 — 2026-01-23

What’s New
We’re going global!

We want everyone to feel right at home using our app, which is why we are thrilled to announce that we have added support for 8 new languages. You can now manage your finances in the language that suits you best.

But that’s not all—this is a massive update:

Visuals & Insights Dark Mode is finally here, making your late-night budgeting easier on the eyes. We’ve also launched the powerful Reflect Module, featuring new spending breakdowns and income graphs. You can now drill down into your data by Category, Tag, Vendor, or Account to get the full picture.

Better Organization We have overhauled how you organize your money. You can now manage Tags, Vendors, and Accounts with ease. We’ve also improved the workflow with new options to Copy Budgets, move category assignments, and navigate the app faster.

As always, we’ve included various bug fixes and performance improvements to keep everything running smoothly.

### 1.0.0 — 2025-11-25

No release notes.

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## More apps by Fiveset

- [Aplume AI](https://appshunter.io/ios/app/aplume-ai/id6761556103)

All apps by Fiveset: https://appshunter.io/developer/1839998340

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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 2026-10-03.*