Hey, I'm Michael. I built Catalyst Cash because my money was a mess across five different apps.
One app for the budget, another for net worth, a third nagging me about subscriptions, a spreadsheet for credit card points, and my actual bank app for the balance. None of them talked to each other, and a few of them were quietly making money off my data. I wanted one place that just told me what was going on and what to do next. So I built it.
I'm an independent developer. There's no investor in the background who needs me to sell your information to hit a number.
Rewards, subscriptions, net worth, budgeting, and debt in a single place that actually fits together.
A few dollars keeps the lights on and keeps your data out of the business model.
Most money apps either do one thing, or quietly sell you out.
Here's the thing I kept running into. The free apps are free for a reason, and that reason is usually your data. The good apps that respect you each only solve one slice of the picture, so you end up paying for three or four of them and still tab-switching all day to see where you actually stand.
The scattered problem
Your budget lives one place, your net worth another, your subscriptions somewhere else, and your card points in your head. Nothing connects, so nothing is ever the full story.
The free-app catch
If you are not paying, your spending habits often are. For a tool that sees your whole financial life, that never sat right with me.
What I wanted instead
One private app that pulls it together, points out what matters this week, and does not treat me like the product. It did not exist, so this is my attempt at it.
It brings together what usually takes four or five separate apps.
Instead of stitching tools together yourself, Catalyst Cash combines the core of the most useful money apps into one. Here is the short version of what lives inside.
Best card for the moment
It tells you which card to use for rewards and surfaces open welcome bonuses, so you stop leaving points on the table. Think of the rewards tools, built in.
Subscription cleanup
It catches the recurring charges you forgot you were paying. The "wait, I'm still paying for that?" tool, built in.
Net worth and debt
Your accounts, balances, and payoff picture in one clear view, updated as things change. The net worth tracker, built in.
A real budget and a weekly read
Spending context and a short weekly take on what to actually do next, not just another dashboard to stare at. The budgeting app, built in.
Put together, it is meant to be the all-in-one tool I always wanted. Not the best at any single one of those jobs to the exclusion of everything else, but the one place where they finally work together.
I charge a few dollars on purpose, and I want to be upfront about it.
I could have made this free and made my money the way a lot of finance apps do, by packaging up what you spend and who you bank with. I did not want to build that, and honestly I would not want to use it. So I charge instead.
You're the customer, not the product
When you pay, my only job is to make the app good enough that you want to keep paying. That keeps my incentives pointed at you instead of at advertisers.
It keeps the app alive
I'm one person covering real costs, bank connections, servers, and the time to keep improving it. The price is what lets me keep the lights on and keep building instead of disappearing in a year.
Fair and flexible
Pro is $12.99 a month, $119.99 a year, or $249.99 once for lifetime if you would rather not think about it again. There is a free version too, so you can try before you decide.
Your financial data is yours. I don't sell it, and I never will.
Privacy is the whole reason this app exists, so I am not going to be vague about it. When you link an account, the connection runs through Plaid, the same trusted service a lot of your other finance apps already use, so I never see or store your bank login. I do not sell your data, I do not rent it out to advertisers, and I am not building a side business out of your spending. If you want the full technical detail, the security and privacy pages lay it all out plainly.
That's the whole pitch.
One private app that pulls your money together and tells you what to do next. If that sounds like something you've been missing, give it a try.
Download on the App Store