Catalyst Cash
How Catalyst Cash Works
Catalyst Cash is more than a budgeting app. It's a complete financial toolkit designed to help you take full control of your money, grow your wealth, and build lasting financial health.
Private by Design
Your financial data stays on your device. Your balances, accounts, and personal details never touch our servers. Everything is processed locally on your phone.
AI Financial Coach
Your personal AI coach understands your complete financial picture — every account, every balance, every bill — and gives you clear, prioritized guidance.
Direct & Secure
AI requests go directly from your device to the AI provider — no middleman servers. This means faster responses and maximum privacy.
Your Complete Financial Picture
The more your AI coach knows about your finances, the better advice it can give. Catalyst Cash tracks all your accounts in one place.
- Checking & Savings: Connect your bank accounts via Plaid for automatic balance updates, or enter them manually.
- Investment Accounts: Sync your brokerage, Roth IRA, 401(k), and HSA accounts via Plaid. Track holdings with live market prices.
- Credit Cards: Add your cards with limits, APRs, annual fees, and due dates. See your total utilization and upcoming payments at a glance.
- Debts & Savings Goals: Track non-card debts (mortgage, auto, student loans) and set savings targets — all in the Accounts tab.
- Crypto & Other Assets: Add crypto holdings with live market prices and track other assets like real estate or vehicles.
Smart Rule: Emergency Floor
Set a minimum checking balance you never want to go below. If upcoming bills would push you below this safety net, Catalyst highlights the risk and suggests adjustments.
Smart Rule: Debt Payoff Optimizer
The Debt Simulator ranks all your debts and finds the fastest payoff order — avalanche (highest interest first) or snowball (smallest balance first) — so you save the most money.
Beautiful, Intuitive Design
Catalyst Cash is designed to feel premium and effortless — a clean interface that makes complex financial data easy to understand at a glance.
Dark & Light Modes
Switch between a sleek Dark Mode and a clean Light Mode. Both are designed for comfortable reading and clear data visualization.
Smooth & Responsive
Every interaction feels natural with smooth animations, haptic feedback, and a layered glass design that makes navigation intuitive.
Your Weekly Check-In
Spend 5 minutes every Sunday running through these steps to stay on top of your finances and catch problems before they grow.
Sync Your Accounts
Tap "Sync latest" to pull live balances from Plaid, or update your manual accounts with this week's numbers.
Run Your Audit
Tap one button and your AI coach analyzes everything — spending, debts, bills, and investments — to generate your personalized action plan.
Review Your Dashboard
Your dashboard updates instantly with charts, health scores, net worth trends, and a clear breakdown of where your money is going.
Ask Follow-Up Questions
Need more detail? Open Ask AI and chat with your coach. It knows your full financial picture and can answer anything from "Can I afford this?" to "How do I save more?"
All chat messages automatically delete after 24 hours. Before anything is saved locally, sensitive information like account numbers and SSNs is automatically masked for your protection.
Free vs Pro Plans
The free plan includes everything you need. Pro unlocks premium AI models and removes all limits.
Free Plan
$0 / mo- 2 AI audits per week
- 10 AI chat messages per day
- Gemini Flash & GPT-4o Mini models
- Full Plaid bank syncing
- All dashboard features & charts
Catalyst Pro
$6.99 / mo- Unlimited AI audits
- 100 AI chat messages per day
- Premium models: Gemini Pro & o3-mini
- CSV & PDF export
- Priority market data refresh (5 min)
Power users can add their own OpenAI, Anthropic, or Google API keys in Settings to use any model directly. You pay the AI provider at their standard API rates.
Data Privacy & Backup
You have complete control over your data. Catalyst Cash provides secure backup and export tools so your information is always safe.
Transparent & Honest
No hidden fees, no dark patterns, no misleading claims. Our pricing is clear, and we never guarantee investment returns.
Export Your Data
Download your financial data as CSV or PDF reports. Your data belongs to you — take it anywhere, anytime.
Encrypted Backups
Create AES-256 encrypted backups of your data. Store them in iCloud or anywhere you choose — only you can decrypt them with your passcode.
Clear Audit History
Deletes all past audit results while keeping your accounts, settings, and portfolio intact.
Factory Reset
Completely erases all data — accounts, settings, API keys, and history. Returns the app to a fresh install state.