Know if this week is green, yellow, or red.
Stop tracking the past. Start directing the future. Know exactly what to pay, what to pause, and what's safe to spend this week.
$1,240 safe move room before your next payday.
You are holding safely above your $500 checking floor. Pay off the remaining $300 on the Chase card today to kill the high APR, and let Catalyst Cash negotiate your upcoming Verizon renewal.
This auto-renews in 4 days. Request an unadvertised loyalty rate or threaten to switch carriers before it bills.
12 months of perfect payments. Request a 3% APR reduction or threaten a balance transfer to a competitor.
Know what to pay, what to pause, and what is actually safe this week.
Your core financial data stays on your device. Raw payloads are not stored on our servers.
Automatic balances and transactions if you want convenience. Manual entry if you do not.
Perfect for debt payoff, messy multi-account setups, and high-income disorganization.
This is a weekly CFO pass for your money, not another passive tracker.
Most finance apps show history. Catalyst Cash is built to produce a decision packet: what matters this week, where the risk is, and which move should happen first.
Push savings, attack debt, or green-light a planned spend without guessing.
Spend carefully, keep your checking floor intact, and avoid forcing next week into recovery mode.
No spreadsheet archaeology. No hunting for the "right" account. Just the next smartest move.
Trackers show data. Audits tell you what matters.
That is the real difference in practice.
Three steps to a clearer week.
No spreadsheets, no tracking categories. Just link your accounts and let the AI find your next best move.
Bring in your numbers
Connect with Plaid or keep it manual. Checking, savings, cards, renewals, and investments all feed the same weekly picture.
Run the audit
The app combines native money math with AI reasoning to classify the week and surface the real pressure points.
Act on the next moves
Pay this, skip that, cut this, wait until payday. Your plan is already sorted and explained.
Power tools when your finances are not neat.
Built for the reality of modern finances—multiple cards, overlapping subscriptions, and competing goals.
Weekly AI audits
Run a recurring check-in that turns balances, debts, and renewals into a simple decision packet.
Debt payoff logic
See the smartest card or loan to target first based on math, timing, and your actual cash position.
Cash flow calendar
Spot upcoming bills, renewals, and paychecks before they surprise you.
Plaid sync or manual mode
Choose convenience or keep everything manual. The core weekly audit works either way.
Card portfolio control
Track APRs, limits, utilization, annual fees, promo windows, and due dates in one place.
Privacy and lock controls
Face ID, passcode lock, local-first storage, and a secure backend proxy for shipped AI features.
Start free. Upgrade when the audit becomes a habit.
The free tier is real, not crippleware. Pro increases your usage, unlocks premium reasoning models, and adds advanced tools for power users.
Free
Enough to build the weekly habit and trust the system.
- 2 weekly audits
- 10 AskAI chats per day
- Catalyst AI — fast, intelligent analysis
- Plaid sync with automatic transaction categorization
- Debt simulator, cash flow calendar, state tax modeling
- Face ID lock, CCPA/GDPR control, encrypted backups
- Multi-currency mode (28 global currencies)
Pro
For users who want deeper reasoning, more usage room, and a cleaner pro workflow.
- 60 audits per month
- 50 AskAI chats per day
- Catalyst AI Pro & Catalyst AI Reasoning
- Transaction ledger, export tools, unbranded sharing
- $49.99 yearly plan with 40% savings
Subscriptions auto-renew until cancelled. Manage or cancel anytime in your iPhone subscription settings.
The questions people ask before they trust a finance app.
Do I need to link my bank?
No. Plaid is optional. The app still works with manual balances, debts, and renewals.
What makes this different from budgeting apps?
Budgeting apps mainly track. Catalyst Cash is optimized for a weekly review that tells you what matters now and what to do next.
Is my data stored on your servers?
Your core financial data is stored locally on your device. AI requests go through a secure proxy with scrubbed prompts, and raw financial payloads are not retained on our servers.
Who is this best for?
People with real financial complexity: multiple cards, inconsistent spending, debt payoff goals, subscription creep, or too many accounts to mentally track well.
Your money data should feel private and actionable.
Catalyst Cash stores your core financial data locally on your device. Manual backups exclude passcodes, API keys, device identifiers, and subscription state. AI requests are routed through the Catalyst Cash backend proxy with PII scrubbing.