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Upkeep is the Gold required to keep a troop or commander in your employment. It is always the gold cost of the unit divided by 15. Holy units pay less upkeep (Gold cost divided by 30). Resources are not used for upkeep. A few Summonable Monsters like Trolls demand gold upkeep, but most summuned Monsters work for free.
The ruler who cannot pay his troops can expect random desertions among the disgruntled.
See also page 40 of the printed manual.
The treasury is the amount of gold present in your entire empire. It is influenced by two factors: