junead01

If you build with LLMs, I'd genuinely value you tearing into the methodology.

People want their finances to be as simple or as complex as their lives are. YNAB, Monarch, and Copilot force one budgeting shape on every user. We're the Notion of personal finance — composable blocks that allows users to build whatever financial tool they need. A college student builds a simple semester budget; a freelancer with three income streams builds a more complex one. Power users get spreadsheet-level flexibility. Beginners get a clean default. Both happy.

Monarch and most other apps fix users into a rigid budgeting system that allows for little customization. People are unique and see their money in different ways. These apps try to allow limited customization but usually end up incorrectly categorizing transactions and then you spend more time fixing their mistakes than actually budgeting. That’s why most people usually fallback to their own spreadsheet. Treasury is designed to be ‘build your own budget’. It provides the building blocks for users to build systems that are either as complicated or as simple as they’d like. It’s the flexibility of spreadsheets but without any more manual data entry.