# Authentication
Source: https://docs.treasury.sh/account/authentication



## Authentication

The **Sign-in Methods** section in your [**Account Settings**](https://app.treasury.sh/settings/account) lets you manage how you sign in to Treasury. Treasury is **passwordless** — you sign in with a passkey, a connected account, or a code we email you, never a password to remember or leak.

<Frame>
  <img alt="The Account settings page with the Sign-in Methods section: passkey, connected accounts, and add buttons" />

  <img alt="The Account settings page with the Sign-in Methods section: passkey, connected accounts, and add buttons" />
</Frame>

You can use any combination of the following secure sign-in methods — **Passkey**, **Google**, and **Apple**:

<Tabs>
  <Tab title="Passkey">
    Passkeys let you sign in without using a password.

    They’re a modern, secure login method that uses your device — such as Face ID, Touch ID, or your computer’s built-in authentication system.

    #### Add a Passkey

    1. Click **Add Passkey** under the **Authentication** section.
    2. Follow your device’s prompt to create a passkey.
    3. Once created, it will appear in your authentication list (for example, “Mac (Chrome)”).

    You can have multiple passkeys (for different devices) or remove one at any time by clicking the **×** icon next to it.

    <Warning>
      Removing a passkey means you won’t be able to use that specific device to sign in until a new
      passkey is created.
    </Warning>
  </Tab>

  <Tab title="Google Authentication">
    Google OAuth allows you to sign in using your existing Google account.\
    It’s quick, secure, and doesn’t require you to remember another password.

    #### Connect Google Authentication

    1. Click **Sign in with your Google account** under the **Authentication** section.
    2. Follow the prompts to link your Google account securely.
    3. Once connected, you’ll see it listed as **Google OAuth**.

    You can disconnect Google authentication at any time by clicking the **×** next to it.
  </Tab>
</Tabs>

### Sign in with an email code

Every account can also sign in with a one-time code sent to its email address. You don't need to set anything up.

1. On the [sign-in page](https://app.treasury.sh/login), choose **Email me a sign-in code**.
2. Enter your email and choose **Email me a code**.
3. Enter the 6-digit code from the email, or tap the link in it. Both expire in 5 minutes and work once.

If you change your email address, codes and links sent to the old address stop working.

#### Skip passkey setup

If creating a passkey fails when you sign up, choose **Skip for now** on the passkey step. In browsers that can't create passkeys at all, such as the Instagram or TikTok in-app browser, Treasury skips this step for you. From then on, sign in with **Email me a sign-in code**. A passkey is optional: add one anytime from this page.

***

### Using Multiple Sign-In Methods

You can enable both **Passkey** and **Google Authentication** for added security and flexibility.

For example, use a passkey for quick sign-ins on your personal device and Google sign-in when accessing Treasury from another location.

Your authentication list displays the methods currently linked to your account, including when each one was last used.

<Tip>
  It’s a good idea to keep at least two authentication methods connected — for example, Passkey and
  Google — so you can always access your account, even if one method becomes unavailable.
</Tip>

## Related

<CardGroup>
  <Card title="Connected Accounts" icon="link" href="/account/security/connected-accounts">
    Manage Google and Apple sign-in.
  </Card>

  <Card title="Passwords" icon="lock" href="/account/security/changing-password">
    Why Treasury doesn't use passwords.
  </Card>

  <Card title="Account Security" icon="shield-check" href="/account/security/two-factor-auth">
    How passkeys keep your account safe.
  </Card>

  <Card title="Profile" icon="user" href="/account/profile">
    Update your name and email.
  </Card>
</CardGroup>


# Billing
Source: https://docs.treasury.sh/account/billing

Treasury's plans and pricing, and how to manage your subscription.

## Plans & Pricing

Treasury has one plan with everything included — every feature, unlimited bank connections, and Treasury AI. You only choose how you'd like to pay:

| Billing | Price | Works out to |
| - | - | - |
| Monthly | **\$12.99**/month | \$12.99/month |
| Yearly | **\$95**/year | \~\$7.92/month |

Every new account starts with a **14-day free trial** — no charge until the trial ends, and you can cancel any time before then.

<Note>
  Prices are in USD. Paying yearly saves about \$61 compared to twelve months of monthly billing.
</Note>

## Manage Subscription

To view and manage your subscription, navigate to [**Settings → Subscription**](https://app.treasury.sh/settings/subscription).

<Frame>
  <img alt="The Subscription settings page showing plan, membership, and manage subscription options" />

  <img alt="The Subscription settings page showing plan, membership, and manage subscription options" />
</Frame>

Here, you can:

* See your **current subscription plan** (e.g., *Treasury Core – Early Access*).
* Check your **billing amount** (monthly or yearly).
* View your **next renewal date**.

***

### Update or Change Your Subscription

If you’d like to switch to a different plan — for example, moving from **monthly** to **yearly billing** — click **Manage Subscription**.

This will redirect you to Treasury’s secure billing partner, **Polar**, where you can:

* Update your **billing plan**
* Change your **payment method**
* Cancel or reactivate your subscription

***

<Note>
  Your subscription changes take effect immediately upon confirmation in Polar. You’ll receive an
  updated invoice or billing confirmation once changes are complete.
</Note>


# Delete Account
Source: https://docs.treasury.sh/account/delete-account

Permanently delete your Treasury account and all of your data.

## Delete your account

If you decide Treasury isn’t for you, you can permanently delete your account at any time. Go to [**Settings → Account**](https://app.treasury.sh/settings/account) and scroll to the **Danger Zone** at the bottom of the page.

<Frame>
  <img alt="The Account settings page with the Danger Zone delete account option at the bottom" />

  <img alt="The Account settings page with the Danger Zone delete account option at the bottom" />
</Frame>

Click **Delete Account** and follow the confirmation prompts. Treasury will ask you to confirm before anything is removed.

## What gets deleted

Deleting your account permanently removes **all of your data** from Treasury, including:

* Your profile and sign-in methods
* All connected and manual accounts
* Every transaction, category, tag, and budget
* Your recurring transactions and net-worth history
* Your AI conversations and memory

<Warning>
  Deleting your account is **permanent and cannot be undone.** Your data cannot be recovered afterward. If you only want to stop being billed, [cancel your subscription](/account/billing) instead — that keeps your data so you can come back later.
</Warning>

<Note>
  Deleting your Treasury account removes Treasury’s copy of your data. It does **not** affect your actual bank accounts — it only disconnects them from Treasury.
</Note>

## Related

<CardGroup>
  <Card title="Billing" icon="credit-card" href="/account/billing">
    Prefer to just cancel? Manage your subscription instead.
  </Card>

  <Card title="Connections" icon="link" href="/core/connections">
    Disconnecting a single bank vs. deleting everything.
  </Card>
</CardGroup>


# Profile
Source: https://docs.treasury.sh/account/profile



## Manage Profile

To manage your profile information, navigate to [**Settings → Account**](https://app.treasury.sh/settings/account).

Here, you can update your **name**, **email address**, and **profile picture**.

<Frame>
  <img alt="The Account settings page showing the profile section with name and email" />

  <img alt="The Account settings page showing the profile section with name and email" />
</Frame>

### Update Your Name

1. In the **Profile Information** section, locate your **name fields** and click the **edit** icon.
2. Click inside the text boxes to edit your **first** or **last** name.
3. Once you've made your changes, click **Save** to confirm — or **Cancel** to discard them.

Your updated name will appear across your Treasury account, including dashboards and reports.

### Update Your Email

1. In the **Profile Information** section, click the **edit icon** next to your current email address.
2. A **Change Email Address** window will appear.
3. Enter your **new email address** in the text box.
4. Click **Send Verification Link**.

You’ll receive an email at your new address containing a link to confirm the change.

<Note>
  Your current email remains active until you verify the new one. Once verified, you’ll be logged
  out and prompted to sign in again for security.
</Note>

### How Email Changes Work

When updating your email:

* Treasury sends a **verification link** to the new address.
* You must click that link to confirm the change.
* Until verified, your existing email continues to work normally.
* After verification, you’ll be logged out automatically to complete the update securely.

## Related

<CardGroup>
  <Card title="Authentication" icon="key" href="/account/authentication">
    Manage passkeys and connected sign-in methods.
  </Card>

  <Card title="Billing" icon="credit-card" href="/account/billing">
    View and manage your subscription.
  </Card>
</CardGroup>


# Passwords
Source: https://docs.treasury.sh/account/security/changing-password

Treasury is passwordless — here's why, and how you sign in instead.

## Treasury doesn’t use passwords

There’s no password to change in Treasury — and that’s by design. Treasury is **passwordless**. Instead of a password you can forget, reuse, or have stolen in a breach, you sign in with a **passkey** or a **connected account** (Google or Apple).

This is more secure *and* more convenient: nothing to memorize, and nothing for an attacker to phish.

## How you sign in instead

<CardGroup>
  <Card title="Passkeys" icon="fingerprint" href="/account/authentication">
    Sign in with Face ID, Touch ID, or your device’s built-in authentication. Passkeys are unique to Treasury and can’t be reused or phished.
  </Card>

  <Card title="Connected accounts" icon="link" href="/account/security/connected-accounts">
    Use your existing Google or Apple account to sign in — no extra credentials to manage.
  </Card>
</CardGroup>

Manage all of these under [**Settings → Account → Sign-in Methods**](https://app.treasury.sh/settings/account).

<Tip>
  Because there’s no password to reset, the key to never being locked out is keeping **more than one** sign-in method on your account — for example a passkey *and* Google. See [Account Security](/account/security/two-factor-auth).
</Tip>

## Related

<CardGroup>
  <Card title="Authentication" icon="key" href="/account/authentication">
    Add and manage passkeys and connected accounts.
  </Card>

  <Card title="Account Security" icon="shield-check" href="/account/security/two-factor-auth">
    How passkeys protect your account.
  </Card>
</CardGroup>


# Connected Accounts
Source: https://docs.treasury.sh/account/security/connected-accounts

Use Google or Apple to sign in to Treasury, and manage which providers are connected.

## What are connected accounts?

Connected accounts let you sign in to Treasury using an account you already have — **Google** or **Apple** — instead of (or alongside) a passkey. It’s fast, secure, and means one less thing to manage.

You’ll find them under [**Settings → Account → Sign-in Methods**](https://app.treasury.sh/settings/account), listed next to any passkeys you’ve added.

<Frame>
  <img alt="The Sign-in Methods section with options to link Google and Apple accounts" />

  <img alt="The Sign-in Methods section with options to link Google and Apple accounts" />
</Frame>

## Connect a provider

1. Go to [**Settings → Account**](https://app.treasury.sh/settings/account) and find **Sign-in Methods**.
2. Click **Link Google** or **Link Apple**.
3. Follow the provider’s prompts to authorize the connection.

Once connected, the provider appears in your sign-in methods and can be used to log in.

## Remove a provider

Click the **×** next to a connected account to disconnect it. You’ll no longer be able to sign in with that provider.

<Warning>
  Don’t remove your only sign-in method. Keep at least one other way in — a passkey or another provider — before disconnecting, so you’re never locked out.
</Warning>

<Note>
  Connecting Google or Apple here is only used to **sign in** to Treasury. It’s separate from [Connections](/core/connections), which link your **bank and card accounts** for transaction syncing.
</Note>

## Related

<CardGroup>
  <Card title="Authentication" icon="key" href="/account/authentication">
    The full picture of how you sign in.
  </Card>

  <Card title="Account Security" icon="shield-check" href="/account/security/two-factor-auth">
    Why keeping multiple methods matters.
  </Card>
</CardGroup>


# Account Security
Source: https://docs.treasury.sh/account/security/two-factor-auth

How Treasury keeps your account secure with passkeys and connected sign-in.

## A secure-by-default account

Treasury is built to be secure without you having to think about it. Because sign-in is [passwordless](/account/security/changing-password), the most common way accounts get compromised — a stolen, reused, or phished password — simply doesn’t apply.

## Passkeys are phishing-resistant

When you sign in with a **passkey**, authentication happens on your device using Face ID, Touch ID, or a hardware security key. The secret never leaves your device and is tied specifically to Treasury, so it can’t be:

* **Phished** — there’s nothing to type into a fake login page.
* **Reused** — each passkey is unique to Treasury.
* **Leaked in a breach** — Treasury never stores a password to lose.

This gives you strong, modern protection out of the box — the kind that traditional password-plus-2FA setups are trying to approximate.

## Keep a backup sign-in method

The most important thing you can do for your account is keep **at least two sign-in methods** connected — for example a passkey on your phone *and* Google. That way, if you lose a device, you can still get in and add a new passkey.

Manage your methods under [**Settings → Account → Sign-in Methods**](https://app.treasury.sh/settings/account).

<Tip>
  Add a passkey on each device you use Treasury from, and connect a provider account (Google or Apple) as a fallback. Two independent ways in means you’re never locked out.
</Tip>

<Warning>
  Removing your only sign-in method, or losing the single device that holds your only passkey, can lock you out. Always keep a second method connected.
</Warning>

## Related

<CardGroup>
  <Card title="Authentication" icon="key" href="/account/authentication">
    Add and manage passkeys and connected accounts.
  </Card>

  <Card title="Connected Accounts" icon="link" href="/account/security/connected-accounts">
    Use Google or Apple as a backup sign-in.
  </Card>
</CardGroup>


# AI Advisor
Source: https://docs.treasury.sh/core/ai-advisor

Ask Treasury AI about your money in plain English and get answers grounded in your real financial data.

## Overview

**Treasury AI** is your built-in money coach. Open it from the navigation bar (or the **Ask about your finances…** box on your home dashboard) to ask questions about your spending, budgets, accounts, and net worth — in plain English — and get answers grounded in *your* actual data.

<Frame>
  <img alt="The Treasury AI start screen with suggested prompts and an ask box" />

  <img alt="The Treasury AI start screen with suggested prompts and an ask box" />
</Frame>

## What can it do?

Treasury AI understands your finances and can answer questions, surface insights, and pull up the exact numbers behind them. Ask things like:

* “How much did I spend on food last month?”
* “Show me all my active subscriptions and flag any worth cancelling.”
* “What’s my net worth and how has it changed this year?”
* “Which bills are coming up in the next week?”

To get started fast, tap one of the suggested prompts — **Budget deep dive**, **Net worth snapshot**, **Upcoming bills**, or **Subscription audit** — or just type your own question.

## Answers you can act on

Treasury AI doesn’t only reply in text — it pulls relevant data into rich, interactive **cards** right inside the conversation. Ask about your subscriptions, for example, and it returns a card listing each one with its amount and a running monthly total, so you can act on the answer without leaving the chat.

<Frame>
  <img alt="Treasury AI answering a question with an interactive recurring-transactions card" />

  <img alt="Treasury AI answering a question with an interactive recurring-transactions card" />
</Frame>

<Tip>
  Be specific. “How much did I spend on dining out in May, and is that more than April?” gets a
  sharper, more useful answer than “How’s my spending?” You can always follow up — the conversation
  keeps its context.
</Tip>

## Conversations & history

Each chat is saved. Start a fresh thread with **New chat** (top right), and revisit earlier conversations from the **history** icon next to it. This makes it easy to pick up a previous line of questioning or keep separate threads for different topics.

## Memory

Treasury AI can remember context about you and your finances across conversations — your goals, preferences, and the things you tell it to keep in mind — so its advice gets more tailored over time. You can review and manage what it remembers in **Settings → Memory**.

<Note>
  Treasury AI can make mistakes — it even says so under the chat box. Treat its answers as a fast,
  well-informed starting point and double-check anything important before acting on it.
</Note>

## FAQ

<AccordionGroup>
  <Accordion title="What kinds of questions can I ask?">
    Anything about your money — spending, budgets, accounts, bills, net worth, subscriptions. Be
    specific for the best answers, and follow up in plain English to go deeper.
  </Accordion>

  <Accordion title="Does Treasury AI remember things between chats?">
    Yes. It keeps context within a conversation, and **Memory** lets it remember details about you
    and your goals across conversations. Manage what it remembers in **Settings → Memory**.
  </Accordion>

  <Accordion title="Can it move my money or change my accounts?">
    No. Treasury AI reads your data to answer questions and surface insights — it never moves money,
    pays bills, or makes changes on your behalf. You stay in control.
  </Accordion>

  <Accordion title="Is it ever wrong?">
    It can be — it even says so under the chat box. Treat its answers as a fast, well-informed
    starting point and double-check anything important before acting on it.
  </Accordion>
</AccordionGroup>

## Related

<CardGroup>
  <Card title="Transactions" icon="receipt" href="/core/transactions">
    The activity Treasury AI reasons over.
  </Card>

  <Card title="Budgets" icon="chart-pie" href="/core/budgets">
    Ask the advisor how your budgets are tracking.
  </Card>

  <Card title="Net Worth" icon="chart-line" href="/core/net-worth">
    Get a plain-English snapshot of your whole picture.
  </Card>

  <Card title="Recurring Transactions" icon="repeat" href="/core/recurring-transactions">
    Run a subscription audit in one question.
  </Card>
</CardGroup>

## Contact the Treasury team

For customer service, open **Settings → Help & feedback** under **Support**. Choose **Help request**, **Bug report**, **Feature idea**, or **Billing & account**, write your message, then select **Send message**. Return to **Help & feedback** to see your requests and replies. You can also email [support@treasury.sh](mailto:support@treasury.sh).

The advisor can explain product workflows but cannot edit or delete your financial records or submit a support request for you. That does not mean those controls are unavailable in the app.


# Budgets
Source: https://docs.treasury.sh/core/budgets

Plan and track your income, expenses, and savings by category — and see exactly where you stand.

## Overview

Your [budgets](https://app.treasury.sh/budgets) are found on the navigation bar. This is where you can create, view, and manage the budgets you use to plan and track your income, expenses, and savings over time.

<Frame>
  <img alt="The Budgets page listing the user's budgets" />

  <img alt="The Budgets page listing the user's budgets" />
</Frame>

## What you can do here

* **Create** ongoing budgets (recurring spending) or goal budgets (one-off targets).
* **Allocate** amounts per category and track **budgeted vs. actual**.
* See **income, expenses, and savings** netted into your cash flow.
* **Pin** the budget you check most to your sidebar and dashboard.
* Step through **previous months** to compare performance.

## What are budgets?

Budgets in Treasury help you plan, track, and visualize your spending and savings over time.

They show how your money flows in and out — giving you a clear picture of your **income**, **expenses**, and **savings** across selected categories.

Each budget displays your total performance at a glance:

* **Income** shows how much money you’ve earned.
* **Expenses** track how much you’ve spent.
* **Savings** capture how much you’ve set aside or transferred toward goals.

Budgets also let you **visualize your spending by category** — so you can see which areas take up the largest share of your expenses. For example, you might notice that some categories make up more of your spending than others. This makes it easy to identify where you can adjust your habits or free up money for savings.

Treasury automatically updates your budget as new transactions sync from your connected accounts and are categorized, so you always know where you stand — whether you’re **under**, **on**, or **over** budget.

<Note>
  Budgets are built from your [categories](/core/categories), so you’ll need at least one category
  before you can create a budget. If you haven’t set any up yet, Treasury will point you to
  **Categories** first.
</Note>

## Create a Budget

To create a new budget, go to **Budgets → New Budget**. You’ll be guided through four steps: **Details**, **Categories**, **Allocate**, and **Review**.

### Step 1: Details

Enter the **name** of your budget, choose an **icon**, and optionally add a **description** to clarify its purpose (for example, “Day to Day” or “Lapland 2025 Trip”). Next, select your **currency** and **budget type**:

* **Ongoing Budget** — great for tracking regular spending that resets on a schedule (e.g., monthly or yearly).
* **Goal Budget** — ideal for specific savings goals or one-time projects (e.g., vacations, events, or large purchases).

You can also set an optional **date range**, depending on the type of budget.

If your budget is linked to a specific purpose, you can apply **tags** so only transactions with that tag appear in the budget. For example, you could tag all trip-related expenses with “Lapland 2025” to track only those transactions.

When you’re ready, click **Next**.

<Frame>
  <img alt="Step 1 of the New Budget wizard: Details, with name, icon, budget type, date range, and tags" />

  <img alt="Step 1 of the New Budget wizard: Details, with name, icon, budget type, date range, and tags" />
</Frame>

### Step 2: Categories

Next, you can select which **categories** you want to include in your budget.

Click a category to add it to one of the boxes at the top (Income, Expense, or Saving).

You can also click **Create Group** to organize multiple categories of the same type together — for example, grouping **Food**, **Rent**, and **Healthcare** under “Monthly Expenses.”

When your categories are set, click **Next**.

### Step 3: Allocate

Decide how much you want to allocate to each category. You can set daily, monthly, or yearly amounts depending on your tracking preference.

The table will automatically calculate the **net total**, showing the difference between income and expenses (including savings).

Click **Next** once you’ve finished allocating.

### Step 4: Review

Review your budget details, categories, and allocations to make sure everything looks right.

When you’re done, click **Create Budget** — and your new budget will appear on the main Budgets page, ready to track in real time.

## Track a Budget

For the current scope and calculation of Ins, Outs, and Net Cashflow, see the [verified cashflow reference](/core/product-reference#cashflow).

Click any budget to open its detail view. Here you can see your **Income**, **Expenses**, and **Savings** against their targets, your **Net Cashflow**, and a per-category breakdown of **Budgeted vs. Actual** spending — so it’s instantly clear which categories are on track and which are running hot.

<Frame>
  <img alt="A budget detail view showing budgeted versus actual spending by category, plus frequent merchants and largest transactions" />

  <img alt="A budget detail view showing budgeted versus actual spending by category, plus frequent merchants and largest transactions" />
</Frame>

The detail view also surfaces your **Frequent Merchants** and **Largest Transactions** for the period, and you can step through previous months to compare performance over time.

<Tip>
  **Pin** the budget you check most often. Pinned budgets appear in the sidebar and on your home
  dashboard, so your day-to-day spending is always one glance away.
</Tip>

## On the go

Create, review, and track your budgets from anywhere — the full budget experience is available on mobile.

<Frame>
  <img alt="The Budgets page on mobile" />

  <img alt="The Budgets page on mobile" />
</Frame>

## Tips & best practices

* **Start with an Ongoing budget.** A single “Monthly Spending” budget covering your main expense categories is the fastest way to get value — refine it later.
* **Budget the categories that matter.** You don’t need to budget everything. Focus on the handful of categories where overspending actually happens.
* **Use Goal budgets for one-offs.** Trips, weddings, and big purchases fit a Goal budget better than your everyday spending plan.
* **Keep transactions categorized.** A budget is only as accurate as the transactions behind it — pair budgets with consistent [categorization](/core/transactions) and [Turbo Review](/core/turbo-review).

## FAQ

<AccordionGroup>
  <Accordion title="What's the difference between an ongoing and a goal budget?">
    An **ongoing** budget tracks recurring spending that resets on a schedule (your monthly
    groceries). A **goal** budget targets a one-off amount for a trip, event, or purchase. Pick
    ongoing for day-to-day, goal for projects.
  </Accordion>

  <Accordion title="Do I need to budget every category?">
    No. Budget the handful of categories where overspending actually happens. A focused budget is
    easier to keep than one that tries to track everything.
  </Accordion>

  <Accordion title="Why does my budget show no spending?">
    Budgets are built from categorized transactions. If a category's transactions aren't categorized
    yet, they won't count — clear them with [Turbo Review](/core/turbo-review) and the budget fills
    in.
  </Accordion>

  <Accordion title="Can a budget track just one trip or project?">
    Yes — apply a [tag](/core/tags) to the relevant transactions and scope the budget to that tag,
    so only tagged spending counts.
  </Accordion>
</AccordionGroup>

## Related

<CardGroup>
  <Card title="Categories" icon="shapes" href="/core/categories">
    The building blocks every budget is made from.
  </Card>

  <Card title="Transactions" icon="receipt" href="/core/transactions">
    The activity that fills your budgets in real time.
  </Card>

  <Card title="Tags" icon="tag" href="/core/tags">
    Scope a budget to a trip or project with tags.
  </Card>

  <Card title="Net Worth" icon="chart-line" href="/core/net-worth">
    See budgets in the context of your whole financial picture.
  </Card>
</CardGroup>


# Categories
Source: https://docs.treasury.sh/core/categories

Organize your transactions into the income, expense, and saving buckets that power your budgets and insights.

## Overview

Your categories are found in [Settings > Categories](https://app.treasury.sh/settings/categories). This is where you create and manage the categories that organize your transactions — the foundation every budget and spending insight is built on.

<Frame>
  <img alt="The Categories page listing income, expense, and saving categories" />

  <img alt="The Categories page listing income, expense, and saving categories" />
</Frame>

## What you can do here

* **Create** custom categories for income, expenses, and savings.
* **Edit** a category's name, type, color, or description.
* **Delete** a category and reassign or clear its transactions.
* Use the **Default** preset to start with a well-rounded set.

## What are Categories?

Categories help you organize and track your expenses by grouping similar transactions together. You can create custom categories to suit your budgeting needs, making it easier to analyze your spending patterns.

### Category Types

Treasury offers three category types for organizing budget plans and progress. Changing a category type does not reverse a transaction's direction or automatically exclude it from cashflow. See [what budget Ins and Outs count](/core/product-reference#cashflow).

| Type | Description | Examples |
| :- | :- | :- |
| **Income** | Money coming in. | Salary, refunds, interest |
| **Expense** | Money going out. | Food, rent, healthcare |
| **Saving** | Money you set aside or transfer. | 401(k), HSA, emergency fund |

<Note>
  Keep your categories broad (e.g., **Food**, **Rent**, **Salary**). For trip or event-specific
  tracking, use **Tags** instead.
</Note>

## Manage Categories

To manage your categories, navigate to the [**Settings → Categories**](https://app.treasury.sh/settings/categories) page.

Categories organize your transactions and power your budgets and reports. Use them to group income, expenses, and savings in a way that reflects how you manage your money.

Click the **table view** in the top right corner to see all your categories in a list format — from there, you can **create**, **edit**, or **delete** categories.

### Create a Category

To add a new category:

1. Go to [**Settings → Categories**](https://app.treasury.sh/settings/categories).
2. Click **New Category** in the top right corner.
3. Enter a **Name** for your category.
4. Select a **Type** — *Income*, *Expense*, or *Saving*.
5. Choose a **Color** and optionally add a **Description**.
6. Click **Create** to save.

Your new category will instantly appear in your list and be available when categorizing transactions or building budgets.

<Frame>
  <img alt="The New Category dialog with name, type, and color fields" />

  <img alt="The New Category dialog with name, type, and color fields" />
</Frame>

<Tip>
  Not sure where to start? During onboarding Treasury offers a **Default** preset with a
  well-rounded set of categories you can tweak — far faster than building them one by one.
</Tip>

### Edit a Category

To edit an existing category:

1. Go to [**Settings → Categories**](https://app.treasury.sh/settings/categories).
2. Find the category you want to change.
3. Click the **three dots** (`⋯`) and select **Edit Category**.
4. Update the **Name**, **Type**, **Color**, or **Description**.
5. Click **Save Changes** to apply your edits.

<Tip>
  Editing a category helps keep your reports clean — for example, if you rename **Dining Out** to
  **Restaurants**, all related transactions update automatically.
</Tip>

### Delete a Category

To delete a category:

1. Go to [**Settings → Categories**](https://app.treasury.sh/settings/categories).
2. Find the category you want to remove.
3. Click the **three dots** (`⋯`) and select **Delete Category**.
4. A confirmation window will appear showing how many transactions are currently assigned to that category.
5. Choose one of the following options:
   * **Make Uncategorized** — remove the category label so you can review and reassign transactions later in [**Transactions**](https://app.treasury.sh/transactions) or Turbo Review.
   * **Reassign to Category** — move all transactions to another category (e.g., merging **Dining Out** into **Food**).
6. Click **Delete Category** to confirm.

<Warning>
  Deleting a category is permanent. Once deleted, it cannot be recovered — make sure to reassign any
  important transactions first.
</Warning>

## Use Categories in Budgets

Categories are the building blocks of your budgets.\
When you create a new budget in Treasury, you’ll choose which categories to include and how much money to allocate to each one.

For example, if you creates a monthly budget, you might include:

* **Food** → \$600
* **Rent** → \$1,600
* **Shopping** → \$300

As your transactions are categorized throughout the month, Treasury automatically tracks her spending against those category limits.

If she spends less than her budgeted amount, the category will show as **under budget**, and if she spends more, it will show as **over budget**.

You can edit a budget at any time to add or remove categories or adjust spending targets.

## FAQ

<AccordionGroup>
  <Accordion title="What's the difference between a category and a tag?">
    A **category** is the *type* of spending (Food, Rent, Salary) — every transaction has one, and
    categories power your budgets. A [**tag**](/core/tags) is a flexible label you add *across*
    categories for a theme like a trip or project. Use categories for structure, tags for context.
  </Accordion>

  <Accordion title="How many categories should I have?">
    Keep them broad — a dozen or so is plenty for most people. Too many makes categorizing a chore
    and budgets noisy. Reach for [tags](/core/tags) when you need finer, one-off grouping.
  </Accordion>

  <Accordion title="What happens to my transactions if I delete a category?">
    You choose: **make them uncategorized** (to review and reassign later) or **reassign them** to
    another category in one step. Nothing is lost.
  </Accordion>

  <Accordion title="Can I rename a category later?">
    Yes — and the change applies everywhere automatically. Rename **Dining Out** to **Restaurants**
    and all its transactions, budgets, and reports update instantly.
  </Accordion>
</AccordionGroup>

## Related

<CardGroup>
  <Card title="Transactions" icon="receipt" href="/core/transactions">
    Assign categories to your activity, one by one or in bulk.
  </Card>

  <Card title="Turbo Review" icon="zap" href="/core/turbo-review">
    Blast through uncategorized transactions fast.
  </Card>

  <Card title="Budgets" icon="chart-pie" href="/core/budgets">
    Categories are the building blocks of every budget.
  </Card>

  <Card title="Tags" icon="tag" href="/core/tags">
    For one-off events and projects, reach for tags instead.
  </Card>
</CardGroup>


# Connections
Source: https://docs.treasury.sh/core/connections

Securely link your banks and cards so transactions and balances sync into Treasury automatically.

## Overview

Your connections are found in [Settings > Connections](https://app.treasury.sh/settings/connections). This is where you can link your bank accounts and other financial institutions to Treasury using Plaid — the foundation that makes everything else (transactions, budgets, net worth) update on its own.

<Frame>
  <img alt="The Connections page showing linked institutions — Wells Fargo, Chase, and American Express" />

  <img alt="The Connections page showing linked institutions — Wells Fargo, Chase, and American Express" />
</Frame>

## What you can do here

* **Connect** banks, credit cards, loans, and investment accounts through Plaid.
* **Sync** balances and transactions to keep everything current.
* **Reconnect** an account when a bank's login or security changes.
* **Disconnect** an institution — keeping its history or removing it.
* **Rename** and **exclude** individual accounts.

## What are Connections?

Connections allow Treasury to securely sync your financial data from your **bank**, **credit card**, and **investment** accounts — all in one place.

They’re powered by **Plaid**, an industry-standard platform trusted by major financial apps and supporting over **12,000 financial institutions** across the country.

When you connect an account, Treasury automatically imports your balances and transactions, giving you a complete view of your finances. You can connect checking, savings, credit cards, loans, and even investment accounts like 401(k)s or brokerage accounts.

Treasury keeps your data up to date by syncing connections regularly, so your budgets, reports, and net worth always reflect the latest information.

## Add a Connection

To add a new connection, navigate to [**Settings > Connections**](https://app.treasury.sh/settings/connections) and click **New Connection**.

A window will appear where you can choose your **country** and select how far back you want Treasury to import your transactions — from **1 week** up to **16 weeks** (default is 8 weeks). Once you’ve set your preferences, click **Continue**.

You’ll then be redirected to **Plaid**, the secure service Treasury uses to connect with your financial institutions.

Follow Plaid’s prompts to log in to your bank or account provider, select which accounts to share (such as checking, savings, credit cards, or investments), and confirm the connection.

After completing the setup, Treasury will automatically sync your selected accounts and begin importing your recent transactions.

## Manage Connections

Once your accounts are connected, you can manage them anytime from [**Settings > Connections**](https://app.treasury.sh/settings/connections).

Click the **⋯ (three dots)** next to any institution to sync, reconnect, disconnect, edit, or exclude accounts.

### Syncing Connections

To refresh your data, click **⋯ → Sync** next to the financial institution.\
This will update your balances and transactions with the latest data from your bank. Syncing ensures your dashboards, budgets, and net worth remain accurate and up to date.

### Reconnecting Connections

Sometimes a connection between Treasury and your bank may break — for example, if you’ve changed your login credentials or your bank updates its security settings.

When this happens, click **⋯ → Reconnect** and follow the **Plaid** prompts to log back into your account.

Once reconnected, Treasury will resume syncing your data automatically.

### Disconnecting Connections

To remove a connection, click **⋯ → Disconnect**.\
You’ll then choose how Treasury should handle your existing data:

* **Convert to manual accounts (Recommended):** Keeps all your transaction history and converts the accounts to manual tracking. You can continue adding transactions manually.
* **Delete all data:** Permanently removes all related accounts, transactions, and recurring payments. This action cannot be undone.

After making your selection, click **Select an option** to confirm.

### Editing Account Names

To rename an account, expand the financial institution, click **⋯ → Edit**, update the account name, and click **Save Changes**.

Renaming helps you personalize your dashboard (e.g., “Joint Checking” instead of “Everyday Checking 5790”).

### Excluding Accounts

If you want to hide an account from your **Net Worth** calculations without deleting it, click **⋯ → Exclude**.

Excluded accounts won’t appear in your total net worth but will still retain their transaction history.

<Tip>
  Choose your import window thoughtfully when connecting. A longer window (up to 16 weeks) gives Treasury more history to detect recurring payments and build accurate budgets from day one.
</Tip>

## FAQ

<AccordionGroup>
  <Accordion title="Is it safe to connect my bank?">
    Yes. Connections are powered by **Plaid**, the same secure service used by major financial apps. Treasury receives read-only data — it can see transactions and balances, but can never move your money.
  </Accordion>

  <Accordion title="My bank isn't showing up.">
    Plaid supports thousands of institutions, but not every one. If you can't find yours, you can track it with a [manual account](/core/manual-accounts) instead and update the balance yourself.
  </Accordion>

  <Accordion title="How often do my accounts sync?">
    Treasury syncs connections regularly so your data stays current. You can also force a refresh any time with **⋯ → Sync** next to the institution.
  </Accordion>

  <Accordion title="A connection keeps disconnecting.">
    Banks occasionally break the link after a password change or security update. Use **⋯ → Reconnect** and follow the Plaid prompts to restore syncing.
  </Accordion>
</AccordionGroup>

## Related

<CardGroup>
  <Card title="Manual Accounts" icon="pencil" href="/core/manual-accounts">
    Track cash, property, or institutions Plaid can't reach.
  </Card>

  <Card title="Transactions" icon="receipt" href="/core/transactions">
    See the activity that syncs in from your connections.
  </Card>

  <Card title="Net Worth" icon="chart-line" href="/core/net-worth">
    Connected balances roll up into your net worth automatically.
  </Card>

  <Card title="Recurring Transactions" icon="repeat" href="/core/recurring-transactions">
    Treasury detects subscriptions from your synced activity.
  </Card>
</CardGroup>


# Importing Data
Source: https://docs.treasury.sh/core/data-import

Bring your transactions, accounts, and history into Treasury from another budgeting app.

## Overview

Switching from another budgeting app? Treasury can **import your transactions and history** so you don’t start from scratch. Open the importer from **Settings → Data Import**, or from the **Import data** prompt on your home dashboard.

<Frame>
  <img alt="The data import screen asking which app you're importing from" />

  <img alt="The data import screen asking which app you're importing from" />
</Frame>

## What you can do here

* **Import** transactions, accounts, and balance history from another app.
* **Merge** imported history into accounts you connect — one continuous timeline.
* **Map** your old accounts and categories to Treasury's.
* **Review** everything before it's imported, then confirm.

## Choose where you’re importing from

The importer starts by asking **“Where are you importing from?”** Pick the app you’re switching from. Treasury supports three sources today:

* **Monarch** — upload your transactions and balance-history exports.
* **Apple Card** — upload the CSV you export from Wallet on your iPhone or iPad.
* **CSV Import** — bring transactions in from *any* app using Treasury’s template.

**YNAB**, **Copilot**, **Rocket Money**, and **Origin** are marked *Coming soon*.

<Note>
  Monarch links your accounts in a connect step first. **Apple Card** and **CSV Import** come
  straight from a file, so they skip connecting and take you right to the upload step.
</Note>

## Walk through the import

Once you pick a source, Treasury guides you through a short series of steps — connect your accounts, upload your export, map your accounts and categories, review, and import.

<Frame>
  <img alt="Stepping through the data import flow" />

  <img alt="Stepping through the data import flow" />
</Frame>

### 1. Connect your accounts first

<Note>
  This step applies to **Monarch**. **Apple Card** and **CSV Import** skip straight to upload — see
  [Importing from a CSV file](#importing-from-a-csv-file) below.
</Note>

Treasury merges your imported transactions into the accounts you connect here, so your history lines up with live balances going forward. Anything you don’t connect becomes a **new manual account** instead — so you can still import everything even if you’re not ready to link a bank.

<Frame>
  <img alt="The first import step: connect your accounts so imported history merges correctly" />

  <img alt="The first import step: connect your accounts so imported history merges correctly" />
</Frame>

### 2. Upload your export

Upload the file you exported from your previous app. Treasury reads your transactions, accounts, and historical balances from it.

### 3. Map accounts and categories

Match the accounts and categories from your export to the ones in Treasury (or let Treasury create new ones). This keeps your history consistent — your old “Groceries” lands in the right Treasury category, and each imported account maps to the right place.

### 4. Review and import

Confirm what’s about to be imported, then let Treasury bring it all in. When it finishes, you’ll see a summary of everything that was added, and your transactions, accounts, and net-worth history will be ready to use.

<Tip>
  Connect the matching bank in step 1 before importing. That way your imported history and your live
  synced transactions merge into one continuous timeline instead of living in a separate manual
  account.
</Tip>

## Importing from a CSV file

Two sources — **Apple Card** and **CSV Import** — bring data in from a CSV file rather than a linked bank. They skip the connect step and go straight to upload.

### Apple Card

Apple Card isn’t available through bank connections, so Treasury imports it from the CSV you export on your device:

1. On your iPhone, open **Wallet** and tap **Apple Card** (on iPad: **Settings → Wallet & Apple Pay → Apple Card**).
2. Tap **Card Balance**.
3. Under **Statements**, tap **Export Transactions**.
4. Choose a start and end date, pick **CSV** as the file format, then tap **Done**.

Upload that file under **Apple Card** in the importer. Every transaction lands in a single **Apple Card** account, and re-importing an overlapping date range later won’t create duplicates.

### CSV Import (any app)

If your app isn’t listed, choose **CSV Import** to bring transactions in from a file that follows Treasury’s template. On the upload step, download the **Transactions** template (and the optional **Balances** template), fill it in, then upload it.

Your CSV must follow this schema:

| Column | Required | What it holds |
| - | - | - |
| **Date** | Yes | `YYYY-MM-DD` (or `MM/DD/YYYY`). |
| **Amount** | Yes | Positive for money you **spent**, negative for money you **received**. |
| **Description** | No | The merchant or payee. |
| **Category** | No | Mapped to a Treasury category — or created — during the import. |
| **Account** | No | Matched to an account by name. Leave it blank to group everything into one “Imported (CSV)” account. |
| **Tags** | No | Separate multiple tags with `;` or `,`. |
| **Notes** | No | Anything else you want to keep. |

Column order doesn’t matter and optional columns can be left out — Treasury matches columns by name.

<Tip>
  The optional **Balances** template (`Date, Account, Balance`) imports historical balances into
  your net-worth timeline. Use a positive balance for assets and a negative balance for what you owe
  (for example, a credit-card balance). The account name should match one used in your transactions
  file.
</Tip>

## FAQ

<AccordionGroup>
  <Accordion title="Which apps can I import from?">
    **Monarch**, **Apple Card**, and *any* app via **CSV Import** (using our template) are supported
    today. **YNAB**, **Copilot**, **Rocket Money**, and **Origin** are on the way.
  </Accordion>

  <Accordion title="Can I import my Apple Card?">
    Yes. Apple Card isn't available through bank connections, so you import it from the CSV you
    export in **Wallet → Apple Card → Card Balance → Export Transactions**. See [Apple
    Card](#apple-card) above for the full steps.
  </Accordion>

  <Accordion title="My app isn't in the list — can I still import?">
    Yes — choose **CSV Import** and download Treasury's template. As long as your file has a
    **Date** and an **Amount** column, Treasury can read it. See [CSV Import](#csv-import-any-app)
    for the full schema.
  </Accordion>

  <Accordion title="Which way should amounts be signed in the CSV template?">
    Money you **spent** is a **positive** number; money you **received** (income, refunds) is
    **negative**. For the optional balances file, assets are positive and what you owe is negative.
  </Accordion>

  <Accordion title="Will I get duplicate transactions?">
    No. For connected sources, Treasury merges imported history into the account you connect. For
    CSV and Apple Card imports, re-importing an overlapping date range skips rows it already has
    (matched on account, amount, and merchant), so you won't get duplicates.
  </Accordion>

  <Accordion title="What if I don't connect the matching bank?">
    Anything you don't connect is imported into a **new manual account**, so you keep all the
    history. You can connect the live account later.
  </Accordion>

  <Accordion title="What happens to my categories?">
    You map your old categories to Treasury's during the import (or let Treasury create them). Tidy
    up any leftovers afterward in [Categories](/core/categories).
  </Accordion>
</AccordionGroup>

## Related

<CardGroup>
  <Card title="Connections" icon="link" href="/core/connections">
    Link the accounts your history should merge into.
  </Card>

  <Card title="Manual Accounts" icon="pencil" href="/core/manual-accounts">
    Unconnected accounts import as manual accounts.
  </Card>

  <Card title="Transactions" icon="receipt" href="/core/transactions">
    Where your imported activity lands.
  </Card>

  <Card title="Net Worth" icon="chart-line" href="/core/net-worth">
    Imported balances and history feed your net worth.
  </Card>
</CardGroup>


# Manual Accounts
Source: https://docs.treasury.sh/core/manual-accounts

Track cash, a home, a car, or any account Treasury cannot connect to — so your net worth is complete.

## Overview

Your manual accounts are found in [Settings > Manual Accounts](https://app.treasury.sh/settings/manual-accounts). This is where you add and update the things that don't connect to a bank — a home, a car, cash, or an unsupported institution — so your [net worth](/core/net-worth) reflects your whole financial life, not just what syncs.

<Frame>
  <img alt="The Manual Accounts page listing accounts with their type, subtype, and balance" />

  <img alt="The Manual Accounts page listing accounts with their type, subtype, and balance" />
</Frame>

## What you can do here

* **Add** assets that don't connect — a home, car, cash, or valuables.
* **Track** balances Treasury can't sync and update them over time.
* **Choose a type** (depository, credit, loan, investment, other) so it counts correctly toward net worth.
* **Edit** and **delete** manual accounts any time.

## What are Manual Accounts?

Manual accounts let you include financial assets and balances in Treasury that aren’t connected through Plaid. They’re perfect for tracking items that still contribute to your **net worth**, even if they don’t exist in a traditional bank or investment account.

You can use manual accounts for:

* **Physical assets** like a home, car, or jewelry
* **Cash on hand** that isn’t in a linked bank account
* **Investments or holdings** not supported by Plaid
* **Closed loans or credit lines** you still want reflected in your history

When creating a manual account, you can set an **initial balance** and manually update it over time as values change — for example, adjusting your home’s estimated value or tracking your cash total.

This helps ensure your **net worth** in Treasury accurately reflects your complete financial picture, not just what’s in connected institutions.

## Adding a Manual Account

To add a manual account, go to [**Settings > Manual Accounts**](https://app.treasury.sh/settings/manual-accounts), then click **New Account** in the top-right corner.

A pop-up will appear where you can enter your account details:

1. **Account Name** — Give your account a clear name (e.g., “Cash on Hand,” “Toyota Corolla,” or “Home Equity”).
2. **Balance** — Enter the current value of the account or asset.
3. **Type** — Choose the type of account from the list below.
4. **Subtype** — Optionally, specify what kind of account it is (e.g., *Checking* or *Car Loan*).
5. Click **Add Account** to save it.

### Account Types

| Type | Description | Example Uses |
| :- | :- | :- |
| **Depository** | Accounts that hold money or cash equivalents. | Checking, Savings, Cash on Hand |
| **Credit** | Accounts that represent borrowed money. | Credit Cards, Lines of Credit |
| **Loan** | Long-term borrowed funds you’re repaying over time. | Mortgage, Student Loan, Car Loan |
| **Investment** | Accounts or assets that may appreciate or generate returns. | Brokerage, Retirement Accounts, Crypto Wallets |
| **Other** | Any other asset or account type not covered above. | Home, Car (paid off), Gold Set, Collectibles |

### Subtype

The **Subtype** field lets you add more context within your chosen account type.\
For example:

* If you selected **Loan**, your subtype might be *Student Loan* or *Auto Loan*.
* If you selected **Depository**, you could enter *Cash* or *Savings Account*.

Subtypes are completely flexible — you can name them however best describes your account.

Once created, your manual account will appear alongside your connected accounts in **Net Worth** and can be updated manually anytime.

## Editing a Manual Account

To make updates to an existing manual account, go to [**Settings > Manual Accounts**](https://app.treasury.sh/settings/manual-accounts).

1. Locate the account you’d like to update.
2. Click the **three dots** (`⋯`) on the right-hand side.
3. Select **Edit** from the dropdown.
4. The **Edit Manual Account** window will open. Here, you can update:
   * **Account Name** — rename the account for clarity.
   * **Balance** — adjust the amount to reflect the current value.
   * **Type** — change the account type if needed (e.g., from *Depository* to *Loan*).
   * **Subtype** — modify the subtype (for example, *Cash* → *Checking* or *Student Loan* → *Car Loan*).
5. When finished, click **Save Changes** to confirm.

All edits are immediately reflected across Treasury, including in your **Net Worth** and any connected reports.

### Deleting a Manual Account

If you no longer need a manual account, you can remove it at any time.

1. Go to **Settings → Manual Accounts**.
2. Find the account you want to remove.
3. Click the **three dots** (`⋯`) on the right-hand side.
4. Select **Delete**.
5. Review the number of linked transactions (including Trash) and recurring items.
6. Choose **Keep transactions**, **Move history**, or **Delete account and all history**.
7. Confirm the action. No option is selected automatically.

**Keep transactions** removes the account and its recurring items, but keeps all linked transactions
without an account assignment. Transactions already in Trash remain restorable.

**Move history** opens the merge flow. Choose a connected account with the same type and currency,
review the affected history, and confirm the merge. Transactions and recurring items move to the
destination, and the manual account is removed.

**Delete account and all history** permanently removes the account, its transactions (including
Trash and earlier bank-synced history if the account was converted to manual), recurring items,
and any holdings, portfolio snapshots, and investment activity.

Accounts with investment records cannot use **Keep transactions** or **Move history**, because those
records require their account. The preview shows their counts. Retain the account to preserve these
records, or explicitly choose **Delete account and all history** to clean them up permanently.

For bulk removal, select accounts in the table and choose **Keep transactions** or **Delete account
and all history**. Moving history is available for one account at a time.

<Warning>
  Account removal cannot be undone. Permanently deleted history cannot be restored from Trash. If
  you keep transactions from an excluded account, they can become eligible for budget
  recommendations.
</Warning>

<Tip>
  Manual accounts are the key to a *complete* net worth. Add your home, car, and any cash or
  investments Plaid can't reach, then update their balances every month or two to keep the picture
  accurate.
</Tip>

## FAQ

<AccordionGroup>
  <Accordion title="When should I use a manual account vs. connecting one?">
    Connect anything Treasury supports — it stays current automatically. Use a manual account for
    what can't connect: a home, a car, cash, valuables, or an account at an unsupported institution.
  </Accordion>

  <Accordion title="How do I track my home or car?">
    Add it as a manual account with type **Other** and its estimated value. It counts toward your
    assets in [Net Worth](/core/net-worth). Update the value every so often to keep it accurate.
  </Accordion>

  <Accordion title="Do manual accounts update on their own?">
    No — that's the trade-off. Since they aren't connected, you update their balances yourself
    whenever the value changes.
  </Accordion>

  <Accordion title="Will a manual account show in my net worth?">
    Yes. Manual accounts sit alongside connected ones in [Net Worth](/core/net-worth), classified as
    an asset or liability based on their type.
  </Accordion>
</AccordionGroup>

## Related

<CardGroup>
  <Card title="Connections" icon="link" href="/core/connections">
    Prefer automatic syncing? Link the institution instead.
  </Card>

  <Card title="Net Worth" icon="chart-line" href="/core/net-worth">
    Manual accounts roll into your net worth alongside synced ones.
  </Card>

  <Card title="Transactions" icon="receipt" href="/core/transactions">
    Add manual transactions to a manual account.
  </Card>
</CardGroup>


# Net Worth
Source: https://docs.treasury.sh/core/net-worth

See your complete financial picture — assets, liabilities, and how your net worth changes over time.

## Overview

Your [net worth](https://app.treasury.sh/networth) is on the navigation bar. It pulls every account you've connected or added into one number — what you own minus what you owe — and tracks how it changes over time. It's the single best measure of whether you're moving in the right direction.

<Frame>
  <img alt="The Net Worth page: an upward trend chart, asset and liability totals, credit utilization, and accounts grouped by type" />

  <img alt="The Net Worth page: an upward trend chart, asset and liability totals, credit utilization, and accounts grouped by type" />
</Frame>

## What you can do here

* See your **net worth** and how it's trending over any period (1W to all-time).
* Break down your **assets** vs **liabilities** at a glance.
* Spot high **credit utilization** and the cards worth paying down first.
* Review every account, grouped by type, with **largest assets** surfaced.
* Add what doesn't sync — a home, a car, cash — so the number is *complete*.

## Track your net worth over time

The headline number sits above a trend chart you can view over **1W**, **1M**, **3M**, **YTD**, **1Y**, or **ALL**. Switch periods to see the short-term wiggles or the long-term climb — the year-over-year view is the one that tells you whether you're really making progress.

<Tip>
  Don't react to the daily number. Markets and balances bounce around day to day; what matters is
  the direction of the **1Y** or **ALL** line. Up and to the right over months is the goal.
</Tip>

## Understand assets vs liabilities

Treasury sorts every account into assets or liabilities based on its type, then nets them together:

| Account type | Counts as | Examples |
| :- | :- | :- |
| **Depository** | Asset | Checking, savings, cash |
| **Investment** | Asset | Brokerage, 401(k), IRA, crypto |
| **Other** (positive balance) | Asset | Home, car, valuables |
| **Credit** | Liability | Credit cards |
| **Loan** | Liability | Mortgage, student loan, auto loan |

Accounts are listed grouped by type, and the **Largest Assets** card highlights what's doing the heavy lifting.

## Credit utilization

The **Credit Utilization** card shows how much of your available credit you're using across your cards — a major factor in your credit score — and flags the cards **worth paying down** first.

<Note>
  Charge cards and cards without a preset limit can't have a meaningful utilization percentage, so
  they appear under **Not included**. If a card is missing its limit, use **+ Limit** to set one so
  it's counted correctly.
</Note>

## Keep your picture complete

Your net worth is only as honest as the accounts behind it. Two ways accounts get here:

* **Connected accounts** — banks and cards linked through [Connections](/core/connections); balances sync automatically.
* **Manual accounts** — anything that doesn't connect (a home, a car, cash, an unsupported institution) added via [Manual Accounts](/core/manual-accounts).

Use **Manage Accounts** (top right) to add, reconnect, or remove accounts, and **History** to see every recorded snapshot.

## Edit your net worth history

Historical net worth entries can be added, edited, or deleted in Treasury.

1. Open **Net Worth → History**.
2. Open an entry's **three-dot menu → Edit**.
3. In **Edit Net Worth Entry**, change **Date**, **Net Worth Amount**, or currency.
4. Select **Save Changes**.

This updates the stored net worth snapshot. It does not change bank balances or transaction amounts. Use this history workflow rather than editing transactions or a manual account's current balance to correct a historical entry.

## On the go

Your full picture — trend chart, headline number, and account groups — travels with you on mobile.

<Frame>
  <img alt="The Net Worth page on mobile" />

  <img alt="The Net Worth page on mobile" />
</Frame>

## Tips & best practices

* **Add your big assets.** A home or paid-off car is often someone's largest asset — add it as a [manual account](/core/manual-accounts) so your net worth reflects reality, not just your bank balances.
* **Watch utilization, not just balances.** Keeping credit utilization low protects your score; the utilization card tells you exactly which card to pay down first.
* **Reconnect promptly.** A disconnected bank freezes its balance and skews your total — reconnect from **Manage Accounts** when prompted.
* **Check monthly, not daily.** Make the 1Y view a once-a-month ritual.

## FAQ

<AccordionGroup>
  <Accordion title="Why is my net worth different from my bank balance?">
    Your bank balance is one account. Net worth combines *all* of them — every cash, investment, and
    asset account, minus every credit card and loan — into a single number.
  </Accordion>

  <Accordion title="My net worth went down — did I lose money?">
    Not necessarily. It moves when investment balances change with the market, when a credit-card
    balance goes up, or when an account hasn't synced recently. Look at the trend over months rather
    than a single day, and check that all accounts are connected and up to date.
  </Accordion>

  <Accordion title="How do I add my house or car?">
    Add them as [manual accounts](/core/manual-accounts) with type **Other** and their estimated
    value. They'll count toward your assets, and you can update the value any time.
  </Accordion>

  <Accordion title="My net worth chart is empty or short.">
    History builds as Treasury records snapshots over time, so a brand-new account starts with
    little history. Give it a few days and your trend line will fill in.
  </Accordion>
</AccordionGroup>

## Related

<CardGroup>
  <Card title="Connections" icon="link" href="/core/connections">
    Link banks and cards so balances sync automatically.
  </Card>

  <Card title="Manual Accounts" icon="pencil" href="/core/manual-accounts">
    Add cash, property, or accounts Treasury can't connect to.
  </Card>

  <Card title="Transactions" icon="receipt" href="/core/transactions">
    See the activity behind your account balances.
  </Card>

  <Card title="Budgets" icon="chart-pie" href="/core/budgets">
    Plan spending alongside your overall financial picture.
  </Card>
</CardGroup>


# Treasury product reference
Source: https://docs.treasury.sh/core/product-reference

Verified capabilities, controls, and current behavior.

This reference describes verified Treasury behavior. It covers the topics below; a missing topic does not establish that a feature is unsupported.

## Auto-categorization and rules

Treasury has no user-defined categorization rules engine: no Settings → Rules, New Rule, rule priorities, or apply-rule-to-past-transactions action. The real Settings → Auto-categorization page offers All, Confident only, and None. None still provides suggestions. Apply predictions can apply eligible existing AI predictions; this is not a user-defined matching rule or a guarantee that every bank descriptor gets a chosen category. Manual categorization and Turbo Review are alternatives.

## Internal transfers

There is no per-transaction Internal Transfer toggle. Settings → Preferences has a global Internal Transfer Handling preference: Leave Unreviewed (none), Exclude from Budget (exclude), Auto-Delete (soft\_delete). It applies to detected transfers. Detection covers credit-card payments and corroborated movements between connected bank accounts, including checking-to-savings transfers. Bank transfers require matching records on both sides; equal amounts or generic transfer wording alone are insufficient, and ambiguous or unsupported cases remain unmarked. Transactions can individually be excluded using Exclude; there is no category-level Hidden from Budget toggle. Auto-Delete moves detected transfers to Trash, not immediate permanent deletion.

## Reading transaction rows

A transaction's merchant/description is not its account. Wide rows show merchant, tags, category, account, amount; date appears in the date-group heading or under the merchant, not a separate body cell. On narrower screens, the account and tags fields are hidden. Stored Plaid-positive amounts are outflows, negative amounts are inflows. UI displays inflows as green + amounts. An inflow can be a transfer, not earned income.

## Editing transaction amounts

Open a transaction to use Edit Amount. The New Amount input supports a positive/negative toggle and currency changes. Amount/sign editing exists. The advisor cannot edit transactions. Do not change a correct amount or sign to resolve confusion about a row.

## Budget Ins and Outs

Budget Ins adds incoming amounts and Outs adds outgoing amounts, based on direction rather than category type. Net is Ins minus Outs. Totals use converted amounts in your primary currency, with conversion to the budget display currency when applicable. Scope follows the selected period, budget categories (including applicable uncategorized rows), tags, and accounts. Excluded and deleted transactions do not count; transactions without a converted amount cannot contribute. A Saving category or internal-transfer flag does not by itself remove a transaction from these totals or reverse its direction. Category types affect budget planning and progress.

## Tags

Create a tag: Settings → Tags → New Tag; enter a name and optional description; click Create. Tags track trips/projects across categories. Edit through the row's three-dot menu → Edit Tag, then Save Changes.

## Categories

Create a category: Settings → Categories → New Category; enter Name, choose Type (Income, Expense, Saving), choose Color and optional Description; click Create. Category assignment does not change transaction direction. There is no category-level Excluded / Hidden from Budget setting.

## Settings overview

Settings contains Account, Subscription, Preferences, Connections, Manual Accounts, Auto-categorization, Categories, Tags, Memory, and Data Import. Auto-categorization controls AI prediction confidence (All, Confident only, None) and Apply predictions; it does not create or manage categorization rules. There is no Rules page or user-defined rules engine. Each topic has its own reference entry; only describe steps verified in that entry. Settings also includes Help & feedback under Support; use the support topic for contacting the team.

## Preferences

Settings → Preferences contains Primary Budget (choose a budget, then Save Changes), Primary Currency, Internal Transfer Handling, Notifications, and Appearance. Primary Currency is used for totals; individual transactions retain their original currency. This global transfer preference is not a per-transaction transfer toggle.

## Bank connections

To connect a bank: Settings → Connections → New Connection (or Connect account in the empty state), then complete the Plaid connection flow. Institutions and data availability depend on Plaid. Treasury reads connected financial data; it cannot move money, make transfers, or pay bills. A bank descriptor on a transaction is not necessarily the account name.

## Manual accounts

Use Settings → Manual Accounts for accounts/assets you maintain manually when an automatic connection is unavailable. The Create Manual Account dialog collects account details and has a Create button; Edit Manual Account saves with Save Changes. Manual accounts do not automatically sync a bank feed.

## Data import

Start at Settings → Data Import → New Import, or Import data in the empty state. Imports can be undone within seven days; older imports are archived. Import data is an import workflow, not a public API or webhook configuration. Follow the import wizard for source-specific fields; this entry does not verify every import format or wizard step.

## Advisor memory

The advisor can save, update, and forget memory; this is separate from editing financial records. Settings → Memory lets you review and manage memories, including Delete all with confirmation. Memory is user context, not authoritative evidence about Treasury capabilities or a disputed transaction.

## Account and sign-in

Settings → Account has name and email profile controls, sign-in methods, and Delete Account. Treasury is passwordless: passkeys and connected Google/Apple sign-in are managed here; there is no password-change or password-reset workflow. Deleting the account is distinct from removing a bank connection. Do not invent a Security → Password page.

## Subscription and billing

Settings → Subscription shows the current subscription. Users without a subscription record are routed to subscription onboarding. Use the actual subscription or checkout for account-specific price, trial, renewal, and cancellation terms; this reference does not verify a live charge or universal price. Do not fill missing billing facts from memory.

## Public API and webhooks

Treasury has no supported customer-facing public API-key or webhook configuration workflow. Do not invent a developer console, API token generator, or endpoint. Internal application endpoints are not a supported public API. Data Import is the real in-app workflow for importing supported files; it is not an API substitute with automation guarantees.

## Creating a budget

Create a budget from Budgets. The budget dialog progresses through details/scope, categories, allocations, and review with Next; the final action is Create Budget (Update Budget when editing). Category selection is required to submit. Use budget Ins and Outs reference for actual cashflow definitions; category type does not change transaction direction.

## Delete and restore transactions

Treasury supports deleting individual synced and manual transactions. On Transactions, open the row’s three-dot menu → Delete, then confirm Delete in Delete Transaction. The transaction moves to Trash; it is not immediately permanently erased. Open Trash from Transactions to Restore a deleted row or choose Delete Forever and confirm permanent removal. Deleting in Treasury does not delete or reverse the bank transaction. Exclude is a separate budget action, not a substitute for deletion. The advisor can explain these steps but cannot delete financial records for you.

## Edit and delete recurring items

Treasury supports editing and deleting a recurring item (the tracked series), separate from deleting individual posted transactions. Open Recurring, select the item, then use Edit (pencil). In Edit Recurring Transaction, choose Delete, then confirm Delete. This deletes the recurring record and unlinks its underlying transactions; those posted transactions remain. Deleting a recurring item does not cancel a merchant subscription, stop bank autopay, or guarantee the pattern cannot be detected again. To change the item instead, edit its details and use Save Changes. The advisor cannot make these financial-record changes for you.

## Edit net worth history

Treasury supports adding, editing, and deleting historical net worth entries. Open Net Worth → History. For an existing entry, open its three-dot menu → Edit. In Edit Net Worth Entry, change Date, Net Worth Amount, or currency, then Save Changes. The history table also supports adding an entry and deleting entries with confirmation. This changes the stored net worth snapshot, not the balances at your bank or the underlying transaction amounts. Do not direct users to edit transactions or current manual-account balances as a substitute for editing net worth history. The advisor can explain this workflow but cannot edit the entries for you.

## Contact Treasury support

To contact the Treasury team, open Settings → Help & feedback under Support (also available as Help & feedback in the sidebar/command palette). Choose Help request, Bug report, Feature idea, or Billing & account; write your message and select Send message. Return to Help & feedback to view requests and replies. You can also email [support@treasury.sh](mailto:support@treasury.sh). Do not merely suggest looking around menus or offer more advisor troubleshooting instead of answering a request to contact support. Do not claim the advisor submitted a ticket or promise a response time. For account/billing messages, do not include card or bank details.


# Recurring Transactions
Source: https://docs.treasury.sh/core/recurring-transactions

See every subscription, bill, and paycheck Treasury detects — and know exactly what is coming up.

## Overview

Your [recurring transactions](https://app.treasury.sh/recurring) are found on the navigation bar. Treasury automatically detects the payments that repeat — subscriptions, bills, memberships, paychecks — and lays out the month ahead so nothing catches you off guard.

<Frame>
  <img alt="The Recurring page with a payment calendar, monthly totals, and upcoming income and expenses" />

  <img alt="The Recurring page with a payment calendar, monthly totals, and upcoming income and expenses" />
</Frame>

## What you can do here

* See all recurring **income and expenses** on a calendar, with monthly totals.
* Know what's **due next** and what's coming this month.
* **Edit** an item's amount, frequency, category, or next date.
* **Pause**, **block**, or **delete** items you no longer want tracked.
* **Accept or reject** newly detected recurring payments.

## What are Recurring Transactions?

Recurring transactions are financial activities that occur on a regular basis, such as subscriptions, memberships, or scheduled payments. Treasury automatically identifies these transactions from your connected accounts and lists them in the Recurring Transactions page, allowing you to easily track and manage them.
From the Recurring Transactions page, you can:

* View all your recurring income and expenses in one place.
* Edit details like amounts, frequency, category, or next occurrence.
* Delete or pause recurring transactions when needed.
* Add manual recurring transactions that may not be automatically detected.

Payments without a category still appear in your recurring list and calendar and count toward totals. Their details show **Uncategorized**; use the category filter to find them or edit a payment to assign a category later. The category breakdown keeps Uncategorized separate from Other.

## Review detected payments

During your first 24 hours after signing up, new recurring payments from your connected accounts go straight into your list as they arrive. Later detections wait for your decision in the **review inbox**, opened from the review prompt on the [Recurring](https://app.treasury.sh/recurring) page.

<Frame>
  <img alt="The recurring review inbox for confirming or dismissing detected payments" />

  <img alt="The recurring review inbox for confirming or dismissing detected payments" />
</Frame>

The review screen has two tabs:

* **Inbox** — newly detected recurring payments waiting for your decision.
* **Dismissed** — detections you've rejected, kept so you can restore one if you change your mind.

To review a detected payment:

1. Click the item to open the **Review Recurring Transaction** window.
2. Review and edit the details if needed:
   * **Description** — rename for clarity.
   * **Account** — confirm which account it's tied to.
   * **Average Amount / Last Amount** — adjust if the detected amounts are off.
   * **Frequency** — how often it occurs (e.g., *Monthly*, *Weekly*, *Annually*).
   * **Category** — optionally assign a category for reporting.
   * **Next Due Date** — set the upcoming date if applicable.
3. Choose an action:
   * **Confirm** — adds it to your recurring list so it counts toward your monthly totals and upcoming bills.
   * **Dismiss** — declines the detection (use this when a one-off is mistaken for a subscription); it moves to the **Dismissed** tab.

When there's nothing left to decide, you'll see **“All caught up!”** — a good sign your recurring list and upcoming-bills forecast are accurate.

<Tip>
  Skim the inbox after connecting a new account or a big import — that's when Treasury surfaces the
  most detections. A few seconds of confirming and dismissing keeps your forecast clean.
</Tip>

## Manage Recurring Transactions

Open [Recurring](https://app.treasury.sh/recurring) and select an item from the list to open its details.

### Editing a Recurring Transaction

1. Select **Edit** (the pencil icon).
2. In **Edit Recurring Transaction**, update **Name**, **Amount**, **Billing Cycle**, **Category**, **Start Date**, or **Payment Source** as needed.
3. Select **Save Changes**.

The dialog also has **Pause this transaction**, which excludes the item from recurring totals and upcoming payments while retaining it.

### Deleting a Recurring Transaction

You can delete the tracked recurring item without deleting its posted transactions:

1. Open **Recurring** and select the item.
2. Select **Edit** (the pencil icon).
3. In **Edit Recurring Transaction**, select **Delete**.
4. Confirm with **Delete**.

This removes the recurring record and unlinks its underlying transactions; those posted transactions remain. It does not cancel a merchant subscription or bank autopay, and it does not guarantee that the pattern cannot be detected again. Recurring-item deletion is separate from deleting an individual transaction into Trash.

### Pausing and resuming a Recurring Transaction

Open the item's details and select **Pause**. For a paused item, the action becomes **Resume**. Pausing retains the recurring item while excluding it from recurring totals and upcoming payments; it does not pause the actual merchant charge or bank payment.

## On the go

The recurring calendar, upcoming bills, and monthly totals are all available on mobile, so you can check what's due before it hits your account.

<Frame>
  <img alt="The Recurring page on mobile" />

  <img alt="The Recurring page on mobile" />
</Frame>

## FAQ

<AccordionGroup>
  <Accordion title="How does Treasury know what's recurring?">
    It detects patterns in your synced transactions — same merchant, similar amount, regular cadence
    — and surfaces them. Detections during your first 24 hours go straight into your list. Later
    detections wait for your confirmation in the [review inbox](#review-detected-payments).
  </Accordion>

  <Accordion title="What's the difference between pausing and deleting?">
    **Pause** keeps the recurring item but excludes it from recurring totals and upcoming payments.
    **Delete** removes the recurring item and unlinks its posted transactions, which remain in
    Treasury. The same pattern may be detected again later. Neither action cancels the actual
    payment.
  </Accordion>

  <Accordion title="My subscription price changed — will the forecast update?">
    Treasury follows the latest amounts automatically, and you can [edit the recurring
    transaction](/core/recurring-transactions) to set the expected amount or frequency precisely.
  </Accordion>
</AccordionGroup>

## Related

<CardGroup>
  <Card title="Transactions" icon="receipt" href="/core/transactions">
    The individual payments behind each recurring series.
  </Card>

  <Card title="Never miss a bill" icon="bell" href="/guides/never-miss-a-bill">
    Use the recurring calendar to stay ahead of what's due.
  </Card>

  <Card title="Connections" icon="link" href="/core/connections">
    Connect accounts so Treasury can detect subscriptions.
  </Card>

  <Card title="Budgets" icon="chart-pie" href="/core/budgets">
    Plan around your fixed recurring costs.
  </Card>
</CardGroup>


# Tags
Source: https://docs.treasury.sh/core/tags

Label transactions across categories to track a trip, project, or event from start to finish.

## Overview

Your tags are found in [Settings > Tags](https://app.treasury.sh/settings/tags). This is where you create and manage tags — flexible labels that group transactions *across* categories, so you can see the full cost of a trip, project, or event in one place.

<Frame>
  <img alt="The Tags page listing the user's tags" />

  <img alt="The Tags page listing the user's tags" />
</Frame>

## What you can do here

* **Create** tags for trips, projects, events, or any theme.
* **Apply** a tag to transactions across any categories.
* **Filter** transactions — or build a [budget](/core/budgets) — by tag.
* **Edit** and **delete** tags, reassigning where needed.

## What are Tags?

Tags let you label and group transactions across different categories. They're perfect for tracking spending tied to a specific event, project, or goal.

For example, you could tag all your transactions related to your **Lapland 2025** trip — flights, hotels, and winter gear — as **Lapland 2025**. Later, you can filter your transactions by that tag to see the total cost of your trip, regardless of which categories those expenses were in.

## Create Tags

To create a new tag, navigate to **Settings → Tags** and click **New Tag**.\
A window will appear where you can enter a **name** and an optional **description**.

After filling in the details, click **Create**, and your new tag will be added to your list.

<Frame>
  <img alt="The New Tag dialog with name and description fields" />

  <img alt="The New Tag dialog with name and description fields" />
</Frame>

## Edit Tags

To edit an existing tag, go to **Settings → Tags**, find the tag you want to change, click the **⋯ (three dots)** next to it, and select **Edit Tag**.

You can update the **name** or **description**. After making your changes, click **Save Changes** to update the tag.

## Delete Tags

To delete a tag, go to **Settings → Tags**, click the **⋯ (three dots)** next to the tag, and select **Delete Tag**.

If the tag is attached to existing transactions, Treasury will ask how you’d like to handle them:

* **Remove the tag** — transactions will simply lose that tag.
* **Reassign to another tag** — choose a different tag to keep them grouped.

After selecting your preference, click **Delete Tag** to confirm.

<Tip>
  Tags shine for anything that cuts **across** categories — a trip, a renovation, a side hustle, or shared expenses. Apply a tag to transactions, then [filter](/core/transactions) by it or build a [budget](/core/budgets) scoped to that tag to see the full picture.
</Tip>

## FAQ

<AccordionGroup>
  <Accordion title="When should I use a tag instead of a category?">
    Use a tag when you want to track something that spans categories — a trip's flights (Travel), hotels (Travel), and dinners (Food) all under one **Japan 2026** tag. Categories answer *what* you spent on; tags answer *why*.
  </Accordion>

  <Accordion title="Can a transaction have more than one tag?">
    Yes. A transaction has a single category but can carry multiple tags, so you can slice your spending in several ways at once.
  </Accordion>

  <Accordion title="How do I see everything for one tag?">
    [Filter your transactions](/core/transactions) by the tag to see the total, or create a [budget](/core/budgets) scoped to that tag to track it against a target.
  </Accordion>

  <Accordion title="What happens to transactions when I delete a tag?">
    You can simply remove the tag from them, or reassign them to a different tag — your transactions stay put either way.
  </Accordion>
</AccordionGroup>

## Related

<CardGroup>
  <Card title="Transactions" icon="receipt" href="/core/transactions">
    Add tags to transactions and filter by them.
  </Card>

  <Card title="Categories" icon="shapes" href="/core/categories">
    Categories group by *what* you spent on; tags group by *why*.
  </Card>

  <Card title="Budgets" icon="chart-pie" href="/core/budgets">
    Scope a budget to a single tag for trips and projects.
  </Card>
</CardGroup>


# Transactions
Source: https://docs.treasury.sh/core/transactions

View, categorize, edit, and manage every transaction across your connected and manual accounts.

## Overview

Your [transactions](https://app.treasury.sh/transactions) are found on the navigation bar. This is where you can view, manage, and categorize all your financial activity across connected and manual accounts.

<Frame>
  <img alt="The Transactions page showing a grouped list of transactions by date" />

  <img alt="The Transactions page showing a grouped list of transactions by date" />
</Frame>

## What you can do here

* See every **inflow and outflow** across all accounts, grouped by day.
* **Categorize** transactions individually or in bulk.
* **Filter** by category, account, or tag to find anything fast.
* **Edit** details — rename, re-date, note, split, or exclude.
* **Add** manual transactions and recover deleted ones from Trash.

## What are Transactions?

The **Transactions** page is where all your financial activity lives. It shows every inflow and outflow across your connected and manual accounts — including purchases, transfers, deposits, and savings contributions.

Each transaction is automatically synced from your bank connections (via Plaid) or added manually, and can be categorized based on your **Categories** and **Tags**. This helps you understand where your money is going and how it aligns with your budgets.

Transactions are grouped by day, with a running **Net** total for each day so you can see at a glance whether a given day was net positive or negative.

From the Transactions page, you can:

* View all your income, expenses, and savings in one place.
* Filter by **account**, **category**, or **tag**.
* Add or edit details like descriptions, notes, or categories.
* Split, merge, or delete transactions when needed.

<Tip>
  Treasury keeps Transactions in sync automatically — new activity flows in from your connected
  accounts and feeds straight into your [Budgets](/core/budgets) and [Net Worth](/core/net-worth).
  The more consistently your transactions are categorized, the more accurate those views become.
</Tip>

## Read a Transaction Row

The merchant or description is separate from the account. A green plus amount indicates an inflow; it does not necessarily mean earned income. On narrower screens, some fields are hidden. See the [verified row and direction reference](/core/product-reference#rows) for the current layout and conventions.

For [auto-categorization and its limitations](/core/product-reference#rules) or [internal-transfer handling](/core/product-reference#transfers), use the product reference.

## Categorize a Transaction

You can categorize transactions in two ways — directly from the transaction list or through the edit menu.

<Tabs>
  <Tab title="Option 1: Click the Category">
    If a transaction already has a category assigned (or says “Uncategorized”), you can click directly on the **category label** to update it. A dropdown menu will appear where you can **search** or **select** the correct category.

    For example, if you previously marked your "shopping" category incorrectly, you can click the **shopping** label and reassign it to a different category.
  </Tab>

  <Tab title="Option 2: Edit Transaction">
    Alternatively, click the **three dots** next to a transaction and select **Edit**.

    This opens the transaction details window, where you can change the category by clicking the correct category. You can also utilize keyboard shortcuts to reassign the category.

    Once you’ve made your changes, click **Confirm** to save.
  </Tab>
</Tabs>

<Note>
  Categories are required before you can build budgets. If your list is full of **Uncategorized**
  items, set up your categories first — see [Categories](/core/categories) — or let Treasury do it
  for you with [Turbo Review](/core/turbo-review) and auto-categorization.
</Note>

## Edit a Transaction

To edit a transaction, click the **three dots** next to a transaction and select **Edit**. This opens the transaction details window, where you can make a variety of changes.

### Available Actions

At the top of the edit screen, you’ll see several icons. Each one lets you quickly adjust different details of the transaction:

| Icon | Action | Description |
| :- | :- | :- |
| <Icon icon="coins" /> | **Edit Amount** | Change the amount or currency, toggle its sign, or use a quick split. |
| <Icon icon="text-cursor-input" /> | **Edit Name** | Rename the transaction for clarity — helpful if the bank provided name is unclear. |
| <Icon icon="calendar-days" /> | **Edit Date** | Change the transaction date if it was recorded incorrectly. |
| <Icon icon="notebook-pen" /> | **Add Note** | Add or edit a note or description for extra context. |
| <Icon icon="square-check" /> | **Exclude / Include** | Toggle whether the transaction is counted in reports or budgets. Useful for removing one-off or reimbursement items. |
| <Icon icon="trash-2" /> | **Delete** | Deletes the transaction. |

You can also:

* **Add or remove tags** to transactions by clicking on **+Tags**.
* **Recategorize transactions using keyboard shortcuts** for quick updates.

After making your changes, click **Confirm** to save.

<Tip>
  Use **Exclude** for reimbursements, one-off anomalies, or internal transfers you don't want
  skewing your budgets — the transaction stays on your ledger for the record but is left out of
  budget and report totals.
</Tip>

### Deleting Transactions

You can delete individual synced or manual transactions by clicking the **three dots** next to it and selecting **Delete**. A confirmation window will appear — click **Delete** again to move the transaction to Trash. This is a recoverable deletion, not Delete Forever.

If you accidentally delete a transaction, you can recover it from the **Trash**:

1. Click the **trash can icon** in the top right corner of the Transactions page.
2. You’ll be redirected to the **Trash** view, where all deleted transactions appear.
3. Click the **three dots** next to a transaction to:
   * **Restore** – return the transaction to your Transactions page.
   * **Delete Forever** – permanently remove the transaction from Treasury.

<Frame>
  <img alt="The Trash view, with a Return to Transactions link and a Delete All action" />

  <img alt="The Trash view, with a Return to Transactions link and a Delete All action" />
</Frame>

<Warning>
  **Delete Forever** is permanent. Choosing it prompts a confirmation screen — once confirmed, the
  transaction is gone for good and **cannot be undone**. If a transaction came from a connected
  account, deleting it here removes it from Treasury but does not affect your bank.
</Warning>

### Filtering Transactions

The **Filter** button on the Transactions page lets you quickly narrow down your view to find specific transactions.

You can filter your transactions by:

* **Categories** – show only transactions in certain categories (e.g., *Food*, *Rent*, *Travel*).
* **Accounts** – display transactions linked to specific accounts.
* **Tags** – view transactions associated with a particular tag (e.g., *Lapland 2025*).

Once you make a selection, the page will automatically update to show only the matching transactions. To remove filters and return to the full transaction list, click **Reset**.

<Frame>
  <img alt="The filter popover with Categories, Accounts, and Tags tabs" />

  <img alt="The filter popover with Categories, Accounts, and Tags tabs" />
</Frame>

### Adding a Manual Transaction

Manual transactions are useful for recording purchases made with **cash** or for tracking activity that isn’t automatically captured by your synced bank accounts.

To add a manual transaction:

1. Click **Add Transaction** in the top right corner of the Transactions page.
2. Fill in the details:
   * **Name** – what the transaction is for (e.g., “Coffee at Local Café”).
   * **Account** – choose the account to associate the transaction with.
   * **Date** – select when the transaction occurred.
   * **Category** – assign the appropriate category (e.g., *Food*, *Travel*, *Miscellaneous*).
   * **Tag** *(optional)* – apply a tag if you’d like to group this transaction (e.g., *Vacation 2025*).
   * **Note** *(optional)* – add any extra details or context.
3. Click **Submit**, and the transaction will be added to your Transactions page.

<Frame>
  <img alt="The Add Transaction dialog with Name, Amount, Date, Category, Tags, and Notes fields" />

  <img alt="The Add Transaction dialog with Name, Amount, Date, Category, Tags, and Notes fields" />
</Frame>

Manual transactions behave just like synced transactions — they can be categorized, edited, filtered, and included in budgets or reports.

## On the go

Everything on the Transactions page is available on mobile. Transactions are grouped by day as cards, with search and filter at the top and your daily **Net** on the right — so you can review and recategorize spending wherever you are.

<Frame>
  <img alt="The Transactions page on mobile, showing transactions grouped into daily cards" />

  <img alt="The Transactions page on mobile, showing transactions grouped into daily cards" />
</Frame>

## Tips & best practices

* **Categorize little and often.** A few minutes a week keeps your budgets and reports accurate — or turn on auto-categorization and use [Turbo Review](/core/turbo-review) to clear the backlog fast.
* **Tag by project, not just category.** Tags like *Lapland 2025* let you slice spending across categories for trips, events, or shared expenses, and can drive a dedicated [budget](/core/budgets).
* **Exclude noise.** Reimbursements and internal transfers can distort your numbers — exclude them so your budgets reflect real spending.
* **Rename unclear merchants.** Cryptic bank descriptors become searchable and reportable once you give them a clear name.

## FAQ

<AccordionGroup>
  <Accordion title="Why is a transaction uncategorized?">
    Treasury auto-categorizes most activity, but flags anything it isn't sure about. Clear those in
    seconds with [Turbo Review](/core/turbo-review), or click the category label on the transaction
    to set it.
  </Accordion>

  <Accordion title="I deleted a transaction by accident.">
    Open the **Trash** (trash-can icon, top right) and choose **Restore**. Transactions stay in the
    trash until you delete them forever.
  </Accordion>

  <Accordion title="What does excluding a transaction do?">
    It keeps the transaction on your ledger for the record but leaves it out of budget and report
    totals — ideal for reimbursements, internal transfers, and one-off anomalies.
  </Accordion>

  <Accordion title="Can I add cash spending?">
    Yes — use **Add Transaction** to record cash purchases or anything your synced accounts don't
    capture. Manual transactions behave just like synced ones.
  </Accordion>
</AccordionGroup>

## Related

<CardGroup>
  <Card title="Categories" icon="shapes" href="/core/categories">
    Organize transactions into the categories that power your budgets.
  </Card>

  <Card title="Turbo Review" icon="zap" href="/core/turbo-review">
    Rapidly categorize a backlog of uncategorized transactions.
  </Card>

  <Card title="Budgets" icon="chart-pie" href="/core/budgets">
    Plan and track spending using your categorized transactions.
  </Card>

  <Card title="Connections" icon="link" href="/core/connections">
    Connect a bank so transactions sync in automatically.
  </Card>
</CardGroup>


# Turbo Review
Source: https://docs.treasury.sh/core/turbo-review

Clear a backlog of uncategorized transactions in seconds with a fast, keyboard-friendly review flow.

## Overview

**Turbo Review** is the fastest way to categorize. Instead of editing transactions one at a time in a list, it shows you a single transaction with every category one tap — or one keystroke — away, then jumps straight to the next. A month of uncategorized spending becomes a minute of tapping.

Open it from the **⚡ icon** in the top-right of the [Transactions](https://app.treasury.sh/transactions) page. The badge tells you how many transactions are waiting.

<Frame>
  <img alt="Categorizing several transactions in a row with Turbo Review — pick a category and it instantly advances to the next" />

  <img alt="Categorizing several transactions in a row with Turbo Review — pick a category and it instantly advances to the next" />
</Frame>

## What you can do here

* Categorize a backlog **one transaction at a time**, fast.
* Assign categories by **tap or keyboard** — no scrolling a giant list.
* Adjust a transaction inline as you go — rename, re-date, add a note or tags, split, or exclude.
* Watch the queue empty to **zero**.

## How it works

Turbo Review steps through your **uncategorized** transactions in order:

<Steps>
  <Step title="See the transaction">
    The current transaction is front and center — name, amount, account, and date — with a progress counter (e.g. **1 / 6**) so you always know how many are left.
  </Step>

  <Step title="Pick a category">
    Choose the right category from the grid, or use a keyboard shortcut. Treasury saves it instantly.
  </Step>

  <Step title="Advance automatically">
    The next uncategorized transaction loads on its own — keep going until you're done.
  </Step>

  <Step title="Reach zero">
    When the queue is empty you'll see **“No transactions left to review.”** That's the goal.
  </Step>
</Steps>

Here's the full screen, with the category grid and the inline action icons (rename, date, note, split, exclude) above it:

<Frame>
  <img alt="The Turbo Review dialog: one transaction with action icons and a grid of categories to choose from" />

  <img alt="The Turbo Review dialog: one transaction with action icons and a grid of categories to choose from" />
</Frame>

<Tip>
  Turbo Review is built for the keyboard. Once you learn the shortcuts you can clear a backlog without ever touching the mouse — that's the difference between categorizing a month of spending in ten minutes and ten seconds.
</Tip>

## When to use it

* **After connecting a new account**, when Treasury imports weeks of history at once.
* **Weekly cleanup** — knock out the few transactions auto-categorization wasn't sure about.
* **Before checking a budget or report**, so every transaction counts toward the right category.

## FAQ

<AccordionGroup>
  <Accordion title="Turbo Review says I'm all caught up — where did everything go?">
    It only surfaces transactions that still need a category. If you've turned on [auto-categorization](/core/categories), most transactions are handled for you and only the uncertain ones land here. An empty queue means your data is clean.
  </Accordion>

  <Accordion title="Can I change other details, not just the category?">
    Yes. The action icons above the category grid let you rename, change the date, add a note or tags, split, or exclude the transaction — all without leaving Turbo Review.
  </Accordion>

  <Accordion title="What if I pick the wrong category?">
    No harm done — reopen the transaction from the [Transactions](/core/transactions) list any time and change it. Categories aren't permanent.
  </Accordion>
</AccordionGroup>

## Related

<CardGroup>
  <Card title="Transactions" icon="receipt" href="/core/transactions">
    The full ledger Turbo Review draws from.
  </Card>

  <Card title="Categories" icon="shapes" href="/core/categories">
    The categories you assign while reviewing.
  </Card>

  <Card title="Find & cancel subscriptions" icon="wand-magic-sparkles" href="/guides/cancel-subscriptions">
    Put clean data to work — surface and cut wasted subscriptions.
  </Card>

  <Card title="Budgets" icon="chart-pie" href="/core/budgets">
    Accurate categories make accurate budgets.
  </Card>
</CardGroup>


# Concepts
Source: https://docs.treasury.sh/get-started/concepts

Core concepts used throughout Treasury

## Concepts

Treasury helps you understand and organize your finances by connecting your accounts, tracking transactions, and visualizing where your money goes. This page introduces the key building blocks of Treasury and how they work together.

### Connections

Connections link Treasury to your financial institutions through **Plaid** or other secure integrations. Once connected, Treasury automatically syncs your transactions — keeping your budgets, reports, and balances up to date in real time.

You can also add **Manual Accounts** for assets or accounts that can’t be linked directly, such as cash, investment properties, or offline balances.

Learn more in [**Connections**](../core/connections) and [Manual Accounts](../core/manual-accounts).

<Frame>
  <img alt="The Connections page where you link financial institutions" />

  <img alt="The Connections page where you link financial institutions" />
</Frame>

### Categories

Categories are high-level groupings that organize your transactions for better reporting and budgeting. Examples include **Food**, **Rent**, **Healthcare**, or **Salary**.

They’re the foundation of your budgets and spending summaries — helping you see *where* your money is going.

Learn how to create and manage them in [**Categories**](../core/categories).

<Frame>
  <img alt="The Categories page listing income, expense, and saving categories" />

  <img alt="The Categories page listing income, expense, and saving categories" />
</Frame>

### Tags

Tags are flexible labels that help you track spending across multiple categories or projects.

Unlike categories (which represent *types* of spending), tags represent *themes* or *contexts*.

For example:

* Category: **Food**
* Tag: **Trip to Japan**

That means you could tag airfare, hotels, and meals from multiple categories — all under one tag to see the total trip cost.

<Frame>
  <img alt="The Tags page where you manage labels that span categories" />

  <img alt="The Tags page where you manage labels that span categories" />
</Frame>

#### Tags vs. Categories — What’s the Difference?

Both tags and categories help organize your finances — but they serve different purposes:

| Use Case | Categories | Tags |
| :- | :- | :- |
| **Purpose** | Group transactions by spending type (e.g., Food, Rent) | Add flexible context (e.g., “Summer Trip,” “Work Expenses”) |
| **Structure** | Hierarchical — used for reporting and budgets | Non-hierarchical — can be added freely across transactions |
| **Example** | Category: *Transportation* | Tag: *Seattle Commute* |

<Tip>
  Understanding these concepts will make Treasury more powerful — especially once you start
  combining categories, tags, and budgets to get a full picture of your spending and saving habits.
</Tip>

### Budgets

Budgets help you plan and visualize your spending or saving over time.

Treasury supports two types of budgets:

* **Ongoing Budgets** — for regular spending that resets on a schedule (e.g., monthly groceries).
* **Target Budgets** — for one-time savings or spending goals (e.g., “New Laptop Fund” or “Vacation 2025”).

Learn how to build one in [**Budgets**](../core/budgets).

<Frame>
  <img alt="A budget tracking budgeted versus actual spending by category" />

  <img alt="A budget tracking budgeted versus actual spending by category" />
</Frame>

### Transactions

Transactions are individual records of money moving **in or out** of an account — like a paycheck deposit or a rent payment. They power your budgets, reports, and recurring insights across Treasury.

See how to manage them in [**Transactions**](../core/transactions).

<Frame>
  <img alt="The Transactions page showing categorized activity grouped by day" />

  <img alt="The Transactions page showing categorized activity grouped by day" />
</Frame>

### Recurring Transactions

Recurring transactions are payments that repeat on a schedule — subscriptions, memberships, rent, or payroll. Treasury detects these automatically from your activity and forecasts what’s coming up, so bills never surprise you.

Learn more in [**Recurring Transactions**](../core/recurring-transactions).

<Frame>
  <img alt="The Recurring page forecasting upcoming bills and income on a calendar" />

  <img alt="The Recurring page forecasting upcoming bills and income on a calendar" />
</Frame>

### Net Worth

Net worth is everything you **own** (assets) minus everything you **owe** (liabilities), rolled up from all your accounts — connected and manual. It’s the single best measure of your financial progress over time.

See it in action in [**Net Worth**](../core/net-worth).

<Frame>
  <img alt="The Net Worth page with an upward trend and assets versus liabilities" />

  <img alt="The Net Worth page with an upward trend and assets versus liabilities" />
</Frame>

### Treasury AI

Treasury AI is your built-in money coach. Ask questions about your finances in plain English and get answers grounded in your real data — complete with interactive cards you can act on.

Learn more in [**AI Advisor**](../core/ai-advisor).

<Frame>
  <img alt="Treasury AI answering a question with an interactive data card" />

  <img alt="Treasury AI answering a question with an interactive data card" />
</Frame>

## Where to next

<CardGroup>
  <Card title="Quickstart" icon="rocket" href="/get-started/quickstart">
    Set up your account step by step.
  </Card>

  <Card title="AI Advisor" icon="sparkles" href="/core/ai-advisor">
    Put these concepts to work by just asking.
  </Card>
</CardGroup>


# Quickstart
Source: https://docs.treasury.sh/get-started/quickstart

Set up Treasury in under an hour — connect your accounts, organize your spending, and see your whole financial picture.

You can be fully set up in **under an hour** — often much less. This is the fastest path from signup to a complete, organized picture.

**By the end you'll have:** accounts connected, transactions categorized, a budget running, your net worth visible, and the AI ready to answer questions.

## 1. Create an account

Sign in to [Treasury](https://app.treasury.sh/signup) with a **Passkey**, **Google**, or **Apple**, or with a code we email you — no password to remember.

<Tabs>
  <Tab title="Passkey">
    1. Enter your first name, last name, and email to create your account.
    2. You'll get a confirmation email with a link to verify your address.
    3. Once verified, set up your passkey using your device's built-in authentication (Face ID, Touch ID, or a security key).
    4. You'll be taken to your subscription settings.

    If creating a passkey fails, choose **Skip for now**. In browsers that can't create passkeys at all, such as the Instagram or TikTok in-app browser, this step is skipped for you. Next time, sign in with **Email me a sign-in code** on the sign-in page. A passkey is optional: add one anytime in [Settings → Account](https://app.treasury.sh/settings/account).
  </Tab>

  <Tab title="Google or Apple">
    * Choose **Continue with Google** or **Continue with Apple** and pick the account you'd like to use.
    * Once authorized, you'll be taken to your subscription settings.
  </Tab>
</Tabs>

<Tip>
  Signing in on a device without your passkey? On the sign-in page, choose **Email me a sign-in
  code**. We'll send a 6-digit code and a link that signs you in; both expire in 5 minutes.
</Tip>

## 2. Choose a plan

Pick a **Monthly** or **Yearly** subscription to get started. You can change it anytime in [Billing → Manage Subscription](https://app.treasury.sh/settings/subscription).

## 3. Connect your accounts · a few minutes

Head to [Settings → Connections](https://app.treasury.sh/settings/connections) and click **Connect account** to link your banks and cards through **Plaid**. Balances and recent transactions import automatically.

<Frame>
  <img alt="The Connections page with linked institutions" />

  <img alt="The Connections page with linked institutions" />
</Frame>

<Tip>
  Coming from another app? [Import your transactions and history](/core/data-import) instead of
  starting from zero.
</Tip>

## 4. Set up your categories · a minute

Add the [categories](/core/categories) that match how you think about money (the **Default** preset is a one-tap head start). Want to track a trip or project across categories? Add a [tag](/core/tags).

## 5. Clear your transactions · a few minutes

Open [Transactions](https://app.treasury.sh/transactions) to see your activity. Most of it is categorized automatically; clear anything left over in seconds with [**Turbo Review**](/core/turbo-review) — one transaction, one tap, on to the next.

<Frame>
  <img alt="Categorizing transactions quickly with Turbo Review" />

  <img alt="Categorizing transactions quickly with Turbo Review" />
</Frame>

## 6. Create a budget · 2 minutes

Go to [Budgets](https://app.treasury.sh/budgets) and click **New Budget**. Keep it simple to start: one "Monthly Spending" budget covering your main expense categories. It tracks itself as transactions sync.

<Frame>
  <img alt="The New Budget wizard" />

  <img alt="The New Budget wizard" />
</Frame>

## 7. See your whole picture · instant

Open [Net Worth](https://app.treasury.sh/networth) for the one number that matters most. Add anything that doesn't sync — a home, a car, cash — as a [manual account](/core/manual-accounts) so the number is complete.

<Frame>
  <img alt="The Net Worth page with an upward trend and asset breakdown" />

  <img alt="The Net Worth page with an upward trend and asset breakdown" />
</Frame>

## 8. Ask the AI · seconds

You're set up — now let [Treasury AI](https://app.treasury.sh/ai) do the heavy lifting. Ask it anything: *"How much did I spend on food last month?"*, *"What bills are due this week?"*, *"Which subscriptions should I cancel?"*

## Next steps

That's it — from here, daily use is a 30-second glance and the occasional question. Dig deeper with these:

<CardGroup>
  <Card title="Find & cancel subscriptions" icon="scissors" href="/guides/cancel-subscriptions">
    Surface every recurring charge and cut the waste.
  </Card>

  <Card title="See your true net worth" icon="chart-line" href="/guides/true-net-worth">
    Add the assets your bank can't see.
  </Card>

  <Card title="Never miss a bill" icon="bell" href="/guides/never-miss-a-bill">
    Stay ahead of what's due.
  </Card>

  <Card title="Ask Treasury AI" icon="sparkles" href="/core/ai-advisor">
    Your money questions, answered from your real data.
  </Card>
</CardGroup>


# Find & cancel wasted subscriptions
Source: https://docs.treasury.sh/guides/cancel-subscriptions

See every recurring charge in one place, let Treasury AI flag what to cut, and stop paying for things you forgot about.

Subscriptions are designed to be forgotten. A trial you never cancelled, two streaming services you don't watch, an app you used once — they quietly add up to hundreds of dollars a year. This guide shows you how to surface every recurring charge, decide what's worth keeping, and cut the rest.

**What you'll achieve:** a clear list of everything that bills you on repeat, an AI-flagged shortlist of cancel candidates, and a lower monthly outflow.

<Note>
  You'll get the most out of this guide once you've [connected an account](/core/connections) (or [imported your history](/core/data-import)) so Treasury has your real recurring charges to work with.
</Note>

## 1. See every subscription in one place

Open [**Recurring**](https://app.treasury.sh/recurring) from the navigation bar. Treasury automatically detects repeating charges across your accounts and lays them out on a calendar, with your **Monthly Out**, what's **due next**, and a count of active **subscriptions**.

<Frame>
  <img alt="The Recurring page showing detected subscriptions on a calendar with monthly totals and upcoming charges" />

  <img alt="The Recurring page showing detected subscriptions on a calendar with monthly totals and upcoming charges" />
</Frame>

This is the whole picture in one view — every Netflix, gym, cloud-storage, and insurance charge you're signed up for, and what they cost you each month.

## 2. Let Treasury AI audit them

You don't have to eyeball the list. Open [**Treasury AI**](https://app.treasury.sh/ai) and tap **Subscription audit** (or just ask, *"Show me all my active subscriptions, what they cost me monthly, and flag any I should consider cancelling"*). Treasury reads your real data and answers with an interactive card — every subscription, its cost, and a running monthly total.

<Frame>
  <img alt="Asking Treasury AI for a subscription audit and getting back a card listing each subscription with its cost" />

  <img alt="Asking Treasury AI for a subscription audit and getting back a card listing each subscription with its cost" />
</Frame>

<Tip>
  Follow up in plain English to go deeper: *"Which of these have I not had a transaction from in 3 months?"* or *"What's the cheapest two I could cut to save \$30/month?"* The conversation keeps its context, so you can drill down without starting over.
</Tip>

## 3. Decide what to cut

Go through the shortlist and ask yourself, for each one:

* **Do I actually use it?** If you can't remember the last time, that's your answer.
* **Is it a duplicate?** Two music or streaming services, overlapping cloud storage.
* **Did a trial convert?** Something that jumped from free to paid.
* **Could a cheaper tier do?** Downgrade instead of cancelling.

## 4. Cancel, then keep Treasury honest

Cancel the ones you've decided on with the provider (Treasury never moves money or cancels on your behalf — you stay in control). Then tidy up how they're tracked:

* **Pausing for a while?** (e.g. a gym membership over winter.) [Block or pause](/core/recurring-transactions) the recurring item so it stays on your radar without skewing your forecast.
* **A one-off mistaken for a subscription?** [Block it](/core/recurring-transactions) so Treasury stops predicting it.
* **Want it out of your budgets entirely?** [Exclude the transaction](/core/transactions).

Once the charge stops appearing, Treasury drops it from your recurring forecast automatically.

## What good looks like

A recurring list you recognize end to end, a **Monthly Out** that's lower than when you started, and no surprise charges. Check back here every month or two — subscriptions creep back, and a two-minute audit keeps them in check.

## Take it further

<CardGroup>
  <Card title="Never miss a bill" icon="bell" href="/core/recurring-transactions">
    Use the recurring calendar to stay ahead of what's due.
  </Card>

  <Card title="Budget your subscriptions" icon="chart-pie" href="/core/budgets">
    Set a cap for subscriptions so they can't creep again.
  </Card>

  <Card title="Ask Treasury AI" icon="sparkles" href="/core/ai-advisor">
    Your money questions, answered from your real data.
  </Card>

  <Card title="Recurring Transactions" icon="repeat" href="/core/recurring-transactions">
    Manage, pause, and block recurring charges.
  </Card>
</CardGroup>


# Get every transaction categorized
Source: https://docs.treasury.sh/guides/categorize-everything

Clean, categorized data is what makes budgets, reports, and AI answers trustworthy. Here is how to get there fast.

Every insight in Treasury — your budgets, your spending breakdowns, the AI's answers — is only as good as the categories behind your transactions. The good news: getting to a fully categorized state takes minutes, not hours, and staying there takes seconds a week.

**What you'll achieve:** a transaction list with no "Uncategorized" stragglers, and a routine that keeps it that way.

## 1. Let auto-categorization do the bulk

Most transactions are categorized for you as they sync. Set up your [**categories**](/core/categories) first so Treasury has the right buckets to sort into — use the **Default** preset during onboarding for a well-rounded starting set you can tweak.

<Frame>
  <img alt="The Categories page listing income, expense, and saving categories" />

  <img alt="The Categories page listing income, expense, and saving categories" />
</Frame>

## 2. Clear the rest with Turbo Review

Whatever auto-categorization wasn't sure about lands in [**Turbo Review**](/core/turbo-review) — opened from the **⚡** icon on the [Transactions](https://app.treasury.sh/transactions) page. It shows one transaction at a time with every category a tap away, and jumps to the next the instant you pick. A backlog disappears in a minute.

<Frame>
  <img alt="Clearing a backlog of uncategorized transactions with Turbo Review" />

  <img alt="Clearing a backlog of uncategorized transactions with Turbo Review" />
</Frame>

## 3. Fix one-offs inline

For the occasional stray on the main list, just click its **category label** and pick the right one — no need to open anything. While you're there you can [rename a cryptic merchant](/core/transactions) so it's clear next time.

<Frame>
  <img alt="The Transactions page where each transaction shows a category pill you can click to change" />

  <img alt="The Transactions page where each transaction shows a category pill you can click to change" />
</Frame>

## 4. Keep it clean

* **Exclude the noise.** Reimbursements, internal transfers, and one-off anomalies can distort your budgets — [exclude them](/core/transactions) so totals reflect real spending.
* **Use tags for context.** [Tags](/core/tags) cut across categories for trips and projects, without changing how something is categorized.
* **Make it a habit.** A 30-second Turbo Review once a week keeps you at zero.

## What good looks like

No "Uncategorized" pills on your transactions, budgets that add up, and an AI that can answer "how much did I spend on X?" accurately — because every transaction is in the right bucket.

## Take it further

<CardGroup>
  <Card title="Turbo Review" icon="bolt" href="/core/turbo-review">
    The fastest way to categorize.
  </Card>

  <Card title="Budgets" icon="chart-pie" href="/core/budgets">
    Clean categories make accurate budgets.
  </Card>

  <Card title="Find & cancel subscriptions" icon="scissors" href="/guides/cancel-subscriptions">
    Put clean data to work.
  </Card>

  <Card title="Ask Treasury AI" icon="sparkles" href="/core/ai-advisor">
    Accurate answers need accurate categories.
  </Card>
</CardGroup>


# Never miss a bill
Source: https://docs.treasury.sh/guides/never-miss-a-bill

Let Treasury detect your recurring payments and show you what is due, so a charge never catches you off guard.

Late fees, surprise renewals, and "wait, that came out already?" all come from the same place: not knowing what's due and when. Treasury detects your recurring payments automatically and lays out the month ahead — so you're never caught off guard.

**What you'll achieve:** a clear view of every upcoming bill and income deposit, with nothing slipping through.

## 1. Let Treasury find your recurring payments

Connect your accounts in [**Connections**](/core/connections) and Treasury detects the patterns — rent, utilities, subscriptions, insurance, payroll — on its own. See them all on the [**Recurring**](https://app.treasury.sh/recurring) page: a calendar of what's coming, your monthly in and out, and what's due next.

<Frame>
  <img alt="The Recurring page with a payment calendar, monthly totals, and upcoming bills and income" />

  <img alt="The Recurring page with a payment calendar, monthly totals, and upcoming bills and income" />
</Frame>

## 2. Confirm what's real

New detections land in the [**review inbox**](/core/recurring-transactions#review-detected-payments). Confirm the genuine ones so they count toward your forecast, and dismiss anything that was a one-off mistaken for a subscription. A quick pass keeps your "upcoming" list accurate.

<Frame>
  <img alt="The Recurring Review inbox for confirming or dismissing detected recurring payments" />

  <img alt="The Recurring Review inbox for confirming or dismissing detected recurring payments" />
</Frame>

## 3. Read the month ahead

The **Upcoming Expenses** and **Upcoming Income** panels show exactly what's hitting your accounts and when. Glance at it at the start of each week and you'll always know what's coming.

<Tip>
  Pair this with a [budget](/core/budgets) that includes your fixed bills. When your recurring costs are budgeted, the money left over is what you can actually spend — no nasty surprises.
</Tip>

## 4. Handle changes

* **Paused for a while?** (a seasonal membership) [Pause or block](/core/recurring-transactions) it so it stays tracked without distorting your forecast.
* **Amount changed?** [Edit the recurring transaction](/core/recurring-transactions) so the prediction stays accurate.
* **Stopped for good?** Once the charge stops appearing, Treasury drops it automatically.

## What good looks like

A recurring calendar you trust, a weekly glance at what's due, and zero surprise charges. Bills become something you see coming, not something that happens to you.

## Take it further

<CardGroup>
  <Card title="Recurring Transactions" icon="repeat" href="/core/recurring-transactions">
    Manage, edit, pause, and block recurring items.
  </Card>

  <Card title="Find & cancel subscriptions" icon="scissors" href="/guides/cancel-subscriptions">
    Trim the recurring charges you don't need.
  </Card>

  <Card title="Budgets" icon="chart-pie" href="/core/budgets">
    Budget around your fixed costs.
  </Card>

  <Card title="Ask Treasury AI" icon="sparkles" href="/core/ai-advisor">
    "What bills are due this week?"
  </Card>
</CardGroup>


# Switch from Monarch (or another app)
Source: https://docs.treasury.sh/guides/switch-from-monarch

Bring your transactions, accounts, and history into Treasury so you pick up right where you left off.

Switching budgeting apps shouldn't mean losing years of history. Treasury imports your transactions, accounts, and balances from your old app so your categories, net-worth trend, and spending history all come along. This guide walks the move end to end.

**What you'll achieve:** your full financial history in Treasury, merged with live accounts going forward — nothing left behind.

## 1. Export from your current app

Export your data from your existing app (for Monarch, download your transactions and account history). You'll upload this file to Treasury in a moment.

## 2. Start the import

Open the importer from **Settings → Data Import** (or the **Import data** prompt on your dashboard) and choose where you're coming from. **Monarch** is supported today, with more apps on the way.

<Frame>
  <img alt="The data import screen asking which app you're importing from" />

  <img alt="The data import screen asking which app you're importing from" />
</Frame>

## 3. Walk the import

Treasury guides you through the rest: connect your accounts, upload your export, map your accounts and categories, then review and import.

<Frame>
  <img alt="Stepping through the Treasury data import flow" />

  <img alt="Stepping through the Treasury data import flow" />
</Frame>

<Tip>
  **Connect the matching bank first.** When you connect an account in step one, Treasury merges your imported history into it — so your old transactions and your new live ones form one continuous timeline instead of living in a separate manual account.
</Tip>

## 4. Verify the move

After the import finishes you'll get a summary of everything that came in. Spend a few minutes confirming it landed right:

* **Accounts** — each maps to the right Treasury account (or a new manual one).
* **Categories** — your old categories matched to Treasury's; tidy any leftovers in [Categories](/core/categories).
* **Transactions** — your history is on the [Transactions](/core/transactions) page; clear any stragglers with [Turbo Review](/core/turbo-review).
* **Net worth** — your [Net Worth](/core/net-worth) history reflects the imported balances.

## What good looks like

Treasury feels lived-in from day one — years of history, familiar categories, an established net-worth trend — with live accounts syncing forward. You picked up exactly where you left off.

## Take it further

<CardGroup>
  <Card title="Importing Data" icon="download" href="/core/data-import">
    The full import reference.
  </Card>

  <Card title="Connections" icon="link" href="/core/connections">
    Link accounts so history merges with live data.
  </Card>

  <Card title="Get every transaction categorized" icon="wand-magic-sparkles" href="/guides/categorize-everything">
    Tidy up imported categories fast.
  </Card>

  <Card title="Quickstart" icon="rocket" href="/get-started/quickstart">
    The rest of your setup, in one short sitting.
  </Card>
</CardGroup>


# See your true net worth
Source: https://docs.treasury.sh/guides/true-net-worth

One honest number for everything you own and owe — including the assets your bank connections cannot see.

Most apps show you account balances. Net worth is the number that actually tells you whether you're getting ahead: everything you **own** minus everything you **owe**, tracked over time. The catch is that a lot of what you own — your home, your car, cash — doesn't live in a bank Treasury can connect to. This guide gets you to a *complete*, honest number.

**What you'll achieve:** a net worth that reflects your whole financial life, trending over time.

## 1. Connect what you can

Start by linking your banks, cards, loans, and investment accounts in [**Connections**](/core/connections). These sync automatically, so their balances stay current without any effort.

<Frame>
  <img alt="The Connections page for linking financial institutions" />

  <img alt="The Connections page for linking financial institutions" />
</Frame>

## 2. Add what you can't

This is the step most people skip — and it's the difference between a balance and a *net worth*. Add the big assets that don't connect as [**manual accounts**](/core/manual-accounts): your home's estimated value, your car, cash, valuables, or an account at an unsupported institution.

<Frame>
  <img alt="The Manual Accounts page listing accounts with their type and balance" />

  <img alt="The Manual Accounts page listing accounts with their type and balance" />
</Frame>

Use type **Other** for things like a home or car (a positive balance counts as an asset) and **Loan** for the mortgage or auto loan against them. Now both sides of the ledger are real.

## 3. Read your number

Open [**Net Worth**](https://app.treasury.sh/networth). You'll see assets, liabilities, and the bottom-line number — plus a trend you can view over any period.

<Frame>
  <img alt="The Net Worth page with an upward trend, asset and liability totals, and largest assets" />

  <img alt="The Net Worth page with an upward trend, asset and liability totals, and largest assets" />
</Frame>

<Tip>
  Switch to the **1Y** or **ALL** view. A single day means nothing; the multi-month direction is the real story. Up and to the right is the goal.
</Tip>

## 4. Keep it honest

* **Update manual values** every month or two (home estimate, car value) so the number stays accurate.
* **Reconnect promptly** when a bank drops — a frozen balance skews the total.
* **Mind utilization.** The credit-utilization card flags cards worth paying down, which lifts net worth *and* your credit score.

## What good looks like

A net worth that includes your home and car, not just your checking account — and a line that climbs over the year. That's the number to watch.

## Take it further

<CardGroup>
  <Card title="Net Worth" icon="chart-line" href="/core/net-worth">
    The full feature reference.
  </Card>

  <Card title="Manual Accounts" icon="pencil" href="/core/manual-accounts">
    Add and update what doesn't sync.
  </Card>

  <Card title="Find & cancel subscriptions" icon="scissors" href="/guides/cancel-subscriptions">
    Free up cash to grow the number.
  </Card>

  <Card title="Ask Treasury AI" icon="sparkles" href="/core/ai-advisor">
    "How has my net worth changed this year?"
  </Card>
</CardGroup>


# Welcome
Source: https://docs.treasury.sh/index

Guides, tips, and answers to help you connect your accounts, organize your spending, and grow your net worth with Treasury.

<div>
  <div>
    <div>
      <div>
        # Treasury Help Center

        <p>
          Everything you need to connect your accounts, organize your spending, and grow your net worth — with a little help from your AI money coach.
        </p>

        <div>
          <a href="/get-started/quickstart">
            Get started →
          </a>

          <a href="/guides/cancel-subscriptions">
            Browse guides
          </a>
        </div>
      </div>

      <div>
        <div>
          <Icon icon="rocket" />

          <span>Get started</span>
        </div>

        <p>Set up Treasury in just a few minutes.</p>

        <div>
          <a href="/get-started/quickstart"><Icon icon="rocket" />Quickstart</a>
          <a href="/core/connections"><Icon icon="link" />Connect accounts</a>
          <a href="/core/budgets"><Icon icon="chart-pie" />Create a budget</a>
          <a href="/core/net-worth"><Icon icon="chart-line" />Track net worth</a>
        </div>

        <a href="/core/ai-advisor">
          <span><Icon icon="sparkles" />Ask Treasury AI</span>

          <Icon icon="chevron-right" />
        </a>
      </div>
    </div>

    <section>
      <h2>Guides</h2>
      <p>Step-by-step playbooks to get real value out of Treasury.</p>

      <div>
        <a href="/guides/cancel-subscriptions">
          <div><Icon icon="scissors" /><span>Find & cancel wasted subscriptions</span></div>
          <p>Surface every recurring charge and let the AI flag what to cut.</p>
        </a>

        <a href="/guides/true-net-worth">
          <div><Icon icon="chart-line" /><span>See your true net worth</span></div>
          <p>One honest number — including the assets your bank can't see.</p>
        </a>

        <a href="/guides/never-miss-a-bill">
          <div><Icon icon="bell" /><span>Never miss a bill</span></div>
          <p>Let Treasury detect what's due and show you the month ahead.</p>
        </a>

        <a href="/guides/categorize-everything">
          <div><Icon icon="wand-sparkles" /><span>Get every transaction categorized</span></div>
          <p>Clean data is what makes budgets and AI answers trustworthy.</p>
        </a>

        <a href="/guides/switch-from-monarch">
          <div><Icon icon="download" /><span>Switch from Monarch</span></div>
          <p>Bring your transactions, accounts, and history — lose nothing.</p>
        </a>
      </div>
    </section>

    <section>
      <h2>Features</h2>
      <p>A reference for every part of Treasury.</p>

      <div>
        <a href="/core/connections"><Icon icon="link" /><div><div>Connections</div><div>Link institution to sync automatically.</div></div></a>
        <a href="/core/transactions"><Icon icon="receipt" /><div><div>Transactions</div><div>View, categorize, and manage activity.</div></div></a>
        <a href="/core/budgets"><Icon icon="chart-pie" /><div><div>Budgets</div><div>Plan and track spending by category.</div></div></a>
        <a href="/core/net-worth"><Icon icon="chart-line" /><div><div>Net Worth</div><div>See what you own and owe over time.</div></div></a>
        <a href="/core/recurring-transactions"><Icon icon="repeat" /><div><div>Recurring</div><div>Stay ahead of subscriptions and bills.</div></div></a>
        <a href="/core/turbo-review"><Icon icon="bolt" /><div><div>Turbo Review</div><div>Clear uncategorized transactions fast.</div></div></a>
        <a href="/core/categories"><Icon icon="shapes" /><div><div>Categories & Tags</div><div>Organize by type and by theme.</div></div></a>
        <a href="/core/manual-accounts"><Icon icon="pencil" /><div><div>Manual Accounts</div><div>Track cash, a home, or a car.</div></div></a>
        <a href="/core/ai-advisor"><Icon icon="sparkles" /><div><div>AI Advisor</div><div>Your built-in money coach.</div></div></a>
      </div>
    </section>

    <div>
      <p>© 2026 Treasury Technologies, Inc.</p>

      <div>
        <a href="https://app.treasury.sh">Open the app</a>
        <a href="https://treasury.sh">Website</a>
        <a href="mailto:support@treasury.sh">Support</a>
      </div>
    </div>
  </div>
</div>