All-in-one iPhone finance app

One money app for the decisions that matter.

Catalyst combines daily spend guidance, weekly audits, budgets, bills, rewards, Ask AI, ledger, and backup in one privacy-first iPhone system built around action, not app-hopping.

↯ Private by design Core records stay local-first with deliberate network boundaries

⌁ One operating system Audits, Ask AI, budget, bills, rewards, planning, and backup together

◇ Open before spending Today Brief checks room, bills, pace, and context

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Local: working record by default
Free: real all-in-one loop
5 min: weekly audit target
Backup: encrypted recovery paths

Weekly Audit Catch what matters before it costs you.

Ask AI Context-aware answers grounded in your data.

How much room do I have before payday?

You have about $425 of weekly spend room before Friday if you keep checking above your floor.

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Know if today is safe

Today Brief turns cash, bills, pending charges, payday timing, and today’s context into a before-spend guardrail.

Explore Cash Flow

⌁

Keep the record yours

Your core budget, bills, renewals, balances, and audit history are designed around a local-first record, not a cloud-first finance profile.

See Safe-to-Spend

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Replace multiple specialist apps

Budgets, bills, rewards, portfolio, Ask AI, ledger, export, and recovery work together instead of forcing your money system across separate tools.

View Portfolio

The all-in-one money system that still keeps you in control.

Catalyst Cash combines local-first storage, privacy-first AI boundaries, daily spend guidance, weekly planning, budgets, bills, rewards, ledger, and recovery so one app can carry the whole loop.

Local-first record by default
Today Brief and Spend Check first
Budget, bills, rewards, AI, and ledger together
Encrypted backup and recovery paths

System

This is a daily decision layer plus a weekly money system.

The audit is the anchor, but the daily brief is what makes the product worth opening before a purchase. Together they help you verify the decision, act on it, and keep a recoverable record without making a remote dashboard the center of gravity.

Load the live picture

Start with what is true now: checking, savings, card balances, upcoming bills, pending charges, and any note the audit must respect before it makes a recommendation.

Fast path for a first credible audit
Manual entry works fully on its own
Optional Plaid support when freshness matters more than manual control
Budget lines can be seeded from recurring bills and audit context

Run the audit and see the pressure clearly

Native money math handles the safety boundaries first. The app turns those signals into a score, a status, a safe zone, and the specific next action that deserves attention.

See Today Brief, Protection Stack, debt priority, and trend direction
Use Today Brief to translate the weekly plan into a daily spending guardrail
Use the dashboard and archive to see whether the plan is actually improving
Designed for daily decisions and repeated weekly planning, not occasional cleanup

Work the follow-through inside the same product

Ask AI, rewards, cash flow, renewals, and the ledger all exist to help you execute the decision the audit just surfaced instead of making you bounce across separate tools.

Ask if you can afford the purchase, whether to pay a card first, or how a move changes runway
Choose the right card with rewards ranking, nearby suggestions, and lead-over-backup context
Use cash flow, renewals, and ledger detail to reduce what is about to hit checking

Inside The App

The product is broad enough to replace tools, but disciplined enough to stay usable.

These are the shipped surfaces that now work together as one weekly operating rhythm.

Today Brief + weekly audit

Home base for daily spending room, next bill pressure, Spend Check, Protection Stack, net worth trend, and what changed since the last check-in.

Audit history + scenario demos

Review the archive, test realistic demo households, and keep a record of how each week was classified over time.

Ask AI

Follow up on your real numbers, flag a reply as helpful or needs work, and request a tighter revision without leaving the app.

Cash Flow + budget + renewals

Recurring bills, burn rate, seeded budget lines, negotiation prompts, and upcoming claims on cash.

Portfolio + rewards + ledger

Cards, bank accounts, investments, nearby rewards picks, credit utilization, FIRE math, and the searchable transaction workflow.

Financial Freedom Score

A composite 0–100 score measuring debt momentum, liquidity, income stability, spending discipline, and wealth building in one glance.

Built for real messy finance

Multiple cards. Uneven pay cycles. Too many accounts. Rewards decisions in the wild. Recovery if the phone disappears.

The app is strongest when your money is complex enough that a passive dashboard or one-purpose optimizer leaves too much interpretation on you, but you still want privacy boundaries and a free path that is useful before you pay.

Daily before-spend checks Debt payoff with cash friction Best-card decisions near the register Recurring bill pressure Manual-first or Plaid-assisted Layered backup and restore Financial Freedom Score

Trust + Recovery

The trust model is part of the product, not a footnote.

Catalyst Cash is built for people who do not want their financial life trapped inside a generic cloud dashboard. The working record stays local-first, and networked features are deliberate.

Local-first record

Balances, debts, renewals, settings, and audit history live on-device as the primary record.

No data selling

We do not sell your personal data or use your financial data to build advertising profiles.

Optional Plaid boundary

Plaid can refresh balances and transactions when you choose it. Manual entry still supports the full loop.

Layered recovery

Encrypted export, iCloud backup on iPhone, Recovery Vault, and account-backed continuity on secure devices.

This is the practical difference from most finance-app marketing.

The app is not promising magic. It is promising a tighter weekly loop, clearer privacy boundaries, no data selling, and a more resilient personal record if you actually use it every week.

Read Security Details Read Privacy Policy

Pricing

Free proves the system. Pro removes the friction.

Free is not a teaser. It is enough to run the loop honestly on real data. Pro is for heavier use, deeper models, more institutions, more history, and quieter upkeep once the system becomes part of your week.

Catalyst Cash Free

$0 forever

Enough to prove the weekly system on your real money before you commit.

2 audits per week
5 Ask AI chats per day
Catalyst AI Nano model
1 Plaid institution or fully manual use
Last 12 audits
Dashboard, budget, renewals, rewards, and core planning tools included

Start Free in TestFlight

Pro

Catalyst Cash Pro

For heavier weekly use, deeper reasoning, multi-institution upkeep, full history, and the more serious operating workflow.

20 audits per month and 30 Ask AI chats per day
Three OpenAI-powered lanes: Nano for volume, CFO for planning, and Boardroom for deep reasoning
Up to 8 Plaid institutions with quiet balance + ledger upkeep
Full audit archive
Full searchable transaction ledger with export
Best-card ranking, nearby merchant suggestions, and deeper follow-up workflows

Monthly

$12.99 / month

Lowest upfront cost for getting full Pro access right away.

Annual

$119.99 / year Save $46/yr vs monthly

$10.00/mo effective with the strongest recurring-value option.

Lifetime

$249.99 once Never pay again

One purchase, lifetime access. Pays for itself in under 20 months compared with monthly Pro. Every current Pro feature is included.

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Subscriptions auto-renew until cancelled. Lifetime is a one-time, non-recurring purchase. Billing is managed through your Apple account.

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Recovery and export live in both tiers

Trust features are not paywalled. Pro is about depth, scale, and working history, not locking basic resilience behind a subscription.

FAQ

The questions people ask once they realize the app is broader than a weekly score screen.

Is this mainly an audit app or a full money system?

The audit is the weekly planning layer, but the home dashboard now starts with Today Brief and Spend Check. Protection Stack, Ask AI, budget, rewards, cash flow, renewals, portfolio, ledger, and recovery stay in the same daily and weekly loop.

Can it help me choose the right card before I pay?

Yes. The Rewards tab ranks the best card for a merchant or category, compares the lead over backup, and supports nearby merchant choices when several stores are close together.

Does the budget start completely blank?

No. Catalyst can seed starter lines from recurring bills and audit context without overwriting the budget you already built.

What happens if I change phones or reinstall?

You can recover through encrypted export, iCloud backup on secure iPhone devices, or Recovery Vault and continuity flows. The site now explains which path is best for most people and which options are advanced.

Browse the Full FAQ

Next Step

Run your money like a clear weekly system, not a reactive cleanup project.

The latest version of Catalyst Cash is built for a recurring rhythm: check today’s room, run the weekly audit, work the surfaces that matter, and keep the financial record recoverable.

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