Track income, expenses, and investments on one screen. Split access with your family — everyone sees only what they need.
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AI INSIGHT
You're spending 28 % more on food than usual.
SCENARIO
+$200/mo cuts your loan by 8 months.
Whether you manage a household, run a business, or build long-term wealth — Treziqo adapts to you.
Treziqo doesn't just show your financial past. It shows what may come next.
Everyday payments aren't just history entries. They're a pattern of behavior. Treziqo shows you where it leads.
A transaction tracker tells you how much you spent. Treziqo tells you what it means for your future — and what you can do about it.
„You spent 12,430 CZK on food."
„You're spending 28 % more on food than usual. If it continues, you'll be 18,000 CZK short of your reserve in 3 months."
„Here's your loan payment."
„Add $200 monthly to cut the loan and improve cashflow. But June will have a risky day."
„Here are your transactions."
„This is how you behave with money. This is what it causes. And here are your options."
" Don't just track where money went. Understand where it's leading you. "
— Treziqo
Treziqo bundles everything about personal finance into one clean app.
Track all bank accounts and wallets in one place. Supports CZK, EUR, USD and more.
Add income, expense, investment or transfer between accounts in seconds. Ctrl+N hotkey.
Tree hierarchy (Housing → Utilities → Electricity). System and custom. Drag-and-drop, icons, limits.
Monthly cashflow, category donut, year-over-year comparison. Data for better decisions.
Salary, rent, Netflix, loan payments — set what repeats once and Treziqo will keep it running.
ETFs, stocks, crypto — hold in USD, contribute from CZK or EUR. Per-product currency whitelist with FX rate on every deposit.
Pull a year of history from MyBank and import in a few clicks. Mapping wizard and a 72h rollback safety net.
Invite partner or kids, grant access only to specific accounts or modules. Privacy-first.
Custom categories, advanced analytics, import/export, and family accounts for 149 CZK/mo.
First 14 days free — no payment details required. No long-term commitment, cancel anytime.
or €2.99 / mo
✨ First 14 days free
For individuals who want a clear view of their finances.
or €5.99 / mo
✨ First 14 days free
For families, power users, and those who want trends and custom categories.
Payment via PayPal, monthly subscription. Prices include VAT. Invoice downloadable in-app.
Anytime — one click in your PayPal account, or directly inside the app under Subscription. No notice period, no fees. After cancellation PRO runs until the end of your paid period, then you auto-switch to BASIC. Your data stays untouched and you can come back whenever.
First 14 days are free — no payment details required, just sign-up. After the trial expires you confirm payment via PayPal (Visa/Mastercard/Amex card, bank transfer or PayPal balance; no PayPal account needed, a card is enough). We support three currencies: CZK (69/149 Kč), USD ($3.49 / $6.99) and EUR (€2.99 / €5.99) — pick your currency at sign-up or anytime in settings. Billed monthly with auto-renewal; prices are final.
Yes, anytime and without restrictions. Upgrading to PRO takes effect immediately (analytics, family, custom categories, import/export and the investment widget unlock). Downgrading to BASIC keeps PRO features until the end of your paid period. No data is deleted — just sections BASIC doesn't cover stay hidden.
Unlimited on PRO — invite a partner, kids, or your accountant. Each member has their own login and you as admin control exactly what they can see: specific accounts, modules (transactions, budgets, analytics) or read-only. By default kids don't see transactions entered by parents (privacy-first).
Any — a single bank account can hold wallets in CZK, EUR, USD and others simultaneously. Cross-currency transfers use the actual rate you received (or the system derives it from the amounts), so historical data isn't distorted by FX swings. The dashboard shows balances in their original currencies — no misleading conversions.
Yes. In Settings → Notifications you compose your own rules — e.g. "Alert me when groceries hit 80 % of budget", "Notify me when more than $500 leaves my main account", or "Weekly summary every Monday morning". Alerts arrive in the in-app inbox (bell icon, bottom right) or by email. You can also add external recipients — e.g. a partner — who confirms via opt-in email and then receives the same alerts. Pause or delete any rule anytime.
On /blog we publish a short daily article on personal finance, macro, fintech, or regulation — always from authoritative sources (ECB, Fed, BLS, CFPB, FT, Reuters) and always with a "Impact on personal finance" section. We're not a news portal but a guide — world events filtered through the lens of your budget, mortgage, savings, or investing. No hype, no investment advice, no shouty marketing.
On the dashboard you'll find an "Ask" section — query your data in natural language: "How much did I spend on groceries last month?", "How is my budget doing right now?", "Where is most of my money going?". The assistant answers with concrete numbers pulled from your records via typed tools (categories, transactions, budgets, recurring) — your data never leaves our server beyond the model query. A per-user rate limit prevents abuse.
EU hosting (Hetzner DE, ISO 27001) under GDPR jurisdiction — no US Cloud Act. HTTPS with modern TLS, bcrypt-hashed passwords, optional two-factor (TOTP), daily encrypted backups with 14-day retention. We don't connect to your bank account — you enter transactions manually or via import. Technical details on /security.
Yes. Passwords are bcrypt-hashed (never plaintext). Sensitive config (SMTP password) is field-level AES-256 encrypted via APP_KEY. Transaction notes encryption is opt-in in /settings → Security — when enabled it protects the note content even in a DB dump, but disables full-text search in note text. Disabled = full-text works, plain text in DB. Full overview on /security.
No. No Google Analytics, no Facebook Pixel, no third-party cookies. Your expenses are never seen by Meta or any ad-tech. The cookies banner shows only technically essential cookies (session, CSRF, locale). For paid plans we talk to PayPal — they get only your email and custom_id for subscription matching, no transaction data. Verify yourself in DevTools → Network.
Data lives in our database in the EU (Hetzner DE). Under Settings → Your data you can download a full ZIP anytime (profile, accounts, transactions, budgets, payments — JSON for portability). Same for account deletion — one click and you're removed from our system (GDPR art. 17). No „give us 30 days notice", no retention on our side.
Treziqo is a responsive Progressive Web App (PWA) — you can "install" it on your iPhone or Android home screen just like a native app, without the App Store or Google Play. Works online, shows up as its own icon, and runs the same way everywhere (phone, tablet, desktop).
Currently Czech and English — switch with one click in the header. More languages coming (Slovak, German). If something is missing or translated oddly, email info@treziqo.com and we'll fix it right away.
Czech product, Czech support, GDPR-compliant. Treziqo isn't an imported SaaS — we know how Czech banks, taxes and leases work.
No advertising trackers, no data sold. Export and full account deletion in one click. Files encrypted on disk.
Public changelog. Regular updates. Transparent roadmap — you know what's coming and when.
Early adopters have direct influence on which features get priority. No anonymous support — you write directly to the founder.
More details: Security and privacy · Changelog
Join the waiting list and be among the first to receive an invitation to closed beta. The first 50 users get Premium free for 2 years in exchange for regular feedback.
