Your weekly money briefing, not another finance dashboard.
Catalyst Cash turns your balances, debt, renewals, and transaction pressure into a weekly decision packet: what is safe, what needs attention, and what move should happen first.
$1,120 looks safe before your next payday.
You are above your emergency floor, your minimum debt stack is covered, and one credit card balance is still the clear highest-cost target. This week is about tightening one renewal and clearing one expensive balance.
Use this week’s extra room to reduce the balance that is compounding the fastest instead of spreading payments evenly.
Use the renewals surface to decide whether to keep it, downgrade it, or use the app’s negotiation prompts and cancellation links.
The primary output is a ranked action list, not just categories and charts.
Your core balances, debts, renewals, and history stay on your device by default.
Audit, AskAI, debt simulation, budget planning, renewals, and card rewards live in one app.
Multiple cards, uneven cash flow, subscription creep, debt payoff, and too many accounts.
The app answers four questions every week.
Catalyst Cash is strongest when you need clarity fast: how safe your cash is, what debt matters most, what upcoming items can hurt you, and what your next move should be.
The audit classifies the week so you know whether to push forward, stay disciplined, or protect cash immediately.
Debt focus, renewal pressure, checking-floor risk, and spending tradeoffs are turned into a concrete action list.
AskAI lets you stress test a purchase, debt sequence, savings move, or timing choice against your current numbers.
What each product area is responsible for
The app is not one screen pretending to do everything.
Three steps to a better money week.
Manual entry is supported. Plaid is optional. The weekly operating loop stays the same either way.
Bring your numbers current
Update checking, savings, cards, renewals, and major balances manually or sync supported institutions through Plaid.
Run the audit
Native math evaluates cash pressure, due dates, balances, and debt order before the AI turns the result into readable next moves.
Act and re-check
Use AskAI, renewals, budgeting, and the transaction ledger to act on the decision and rerun when reality changes.
The core surfaces and what they are for.
The product is broader than the audit, but every tool is there to support better weekly decisions.
Audit
The weekly money review that ranks pressure points, debt priority, runway, and next moves.
AskAI
Follow-up reasoning for affordability, debt sequence, timing questions, and scenario testing.
Portfolio Vault
Track bank accounts, cards, loans, investments, crypto, and other assets in one working view.
Cashflow
Budget envelopes, spending pace, and a timeline of upcoming money in and money out.
Renewals
Track recurring bills, surface likely subscriptions, and use negotiation or cancellation support.
Power tools
Debt simulator, FIRE math, credit-utilization tools, rewards ranking, and the Pro ledger workflow.
Who gets the most value from Catalyst Cash.
The product is strongest when your finances have real moving parts and you want one weekly operating system instead of six isolated tools.
Debt payoff with cash friction
Good fit if you need to decide what to pay first without accidentally starving checking or missing bills.
High-income, low-clarity finances
Good fit if you earn well but still feel behind because your money is spread across too many accounts and obligations.
Subscription and renewal leakage
Good fit if recurring charges keep quietly compounding and you want a structured monthly cleanup pass.
Free is the full workflow. Pro expands the headroom.
The free tier is meant to prove the operating model. Pro raises usage limits, unlocks premium AI models, supports up to 8 Plaid institutions with quiet balance and ledger upkeep, and opens the full ledger workflow.
Catalyst Cash Free
Enough to build the weekly habit and understand how the system works on your own money.
- 2 audits per week
- 5 AskAI chats per day
- Catalyst AI model
- 1 Plaid institution or fully manual use
- Last 12 saved audits
- Dashboard, budgeting, debt, FIRE, renewals, and rewards tools included
Catalyst Cash Pro
For heavier weekly use, deeper model reasoning, quieter multi-institution upkeep, and a more operational workflow.
- 20 audits per month and 30 AskAI chats per day
- Catalyst AI plus Catalyst AI CFO (GPT-4.1) and Boardroom (o3)
- Up to 8 Plaid institutions with quiet balance + ledger upkeep
- Full audit archive
- Full searchable transaction ledger with export
$8.33/mo effective — about 2 months free vs. monthly
Subscriptions auto-renew until cancelled. Billing is managed through your Apple account.
The questions serious users ask first.
Do I need Plaid to use the app well?
No. Plaid is optional. Manual entry still supports the core audit, budgeting, debt, and planning workflow.
Does Pro change the financial math?
No. The core math stays the same. Pro changes usage limits, model depth, history depth, and premium tooling.
Is the output financial advice?
No. Catalyst Cash provides educational analysis and decision support, not licensed tax, legal, investment, or financial advice.
Where does my data live?
Your core financial data stays local-first on your device. AI requests are scrubbed and routed through the Catalyst backend. Your raw financial payload is not stored on our servers; a short scrubbed excerpt of the AI response is logged for service reliability and purged on a rolling basis. See the Privacy Policy for full details.
Use the app weekly, not reactively.
Catalyst Cash is built for people who want a recurring operating rhythm: update the numbers, run the audit, act on the top move, and keep the system honest.