Hey, I have some issue with the mod I'm playing then, my army got upkeep cost. This is normal you will say, but the hard part is that an army's don't have any upkeep cost. Sparta, who maintains something like 8-10 full army with elite unit have a treasury of 350k gold when I have issue to maintain 5 full armies without going bankrupt .
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also try this mod:
https://steamcommunity.com/sharedfiles/filedetails/?id=2278413181
try playing on Normal difficulty
Yep AI has no army upkeep, but also AI is braindead. Best way to start is, to stack the cheapest unit with max defense you have and auto resolve everything (I know, thats cheating, but it helps big time on legendary difficulty). Until you get stable economy to maintain good army auto resolve is the only way. AI units also get health, morale, attack, defense, armor and other boosts in real time battle, depending on difficulty and auto resolve ignores all that, putting the units at base stats. So even with decent units on higher than normal difficulty, it's almost impossible to win in the first 10-20 turns.