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.
Hey, I'm Michael. My money was a mess across five apps, so I built one.
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 were quietly making money off my data. I wanted one place that told me what was going on and what to do next. So I built it.
Why I made it
Most money apps either do one thing, or quietly sell you out.
The free apps are free for a reason, and that reason is usually your data. The good apps that respect you each solve one slice of the picture, so you end up paying for three or four and still tab-switching to see where you stand.
If you're not paying, your spending habits often are. For a tool that sees your whole financial life, that never sat right with me.
One private app that pulls it together, points out what matters this week, and doesn't treat me like the product. It didn't exist, so this is my attempt at it.
What it actually does
The work of four or five apps, finally in one place.
Which card to use for rewards, plus open welcome bonuses, so you stop leaving points on the table. The rewards tools, built in.
Catches the recurring charges you forgot you were paying. The "wait, I'm still paying for that?" tool, built in.
Accounts, balances, and the payoff picture in one clear view, updated as things change. The net worth tracker, built in.
Spending context and a short weekly take on what to do next, not just another dashboard to stare at. The budgeting app, built in.
Why it costs money
A private, high-quality app has real costs.
I charge for Catalyst Cash so I can protect your financial data without relying on ads or data selling, maintain a high-quality experience, and keep improving the app. The business model is straightforward: you pay for the product, and I work for you.
- Privacy without a hidden trade Revenue comes from customers, not advertisers or access to their spending history. That keeps the incentive simple: make a product worth paying for.
- Ongoing upkeep Bank connections, servers, security work, support, and App Store operations have recurring costs. Pro helps keep those pieces dependable.
- Continuous improvement The price funds the time to fix issues, refine the experience, and keep shipping useful improvements instead of letting the app stand still.
Your privacy
Your financial data is yours. I don't sell it, and I never will.
When you link an account, the connection runs through Plaid, the same service many finance apps use, so I never see or store your bank login. I don't sell your data, I don't rent it to advertisers, and I'm not building a side business out of your spending. The security and privacy pages lay out the full technical detail.
That's the whole pitch.
One private app that pulls your money together and tells you what to do next.