Your AI-Powered
Financial Coach
Get a personalized financial checkup every week. Catalyst Cash connects to your bank accounts, analyzes your spending, and gives you clear action steps to grow your wealth — all while keeping your data private on your device.
Free to use · No credit card required · iOS
Everything you need to take control
A complete financial toolkit that works for you — whether you're paying off debt, building savings, or growing investments.
Bank Sync & Transactions
Link accounts with Plaid for automatic balances and transaction history. Your recent spending flows directly into AI audits — no manual entry needed.
Weekly AI Audits
Get a comprehensive financial health check every week. Your AI coach analyzes spending, debt, and progress — then tells you exactly what to do next.
Ask Your AI Coach
Chat with an AI that understands your complete financial picture. Ask anything — from "Can I afford this?" to "How do I save $10k?" Chat history auto-deletes after 24 hours.
Pay Off Debt Faster
Our debt simulator finds the mathematically optimal payoff order — avalanche or snowball — to save you the most on interest and get you debt-free sooner.
Track Investments
Monitor your 401(k), Roth IRA, brokerage, HSA, and crypto holdings with live market prices. See your complete net worth in one place.
Cash Flow Calendar
See upcoming bills, subscriptions, and paychecks on a visual timeline so you're never surprised by a charge. Cancel what you don't need.
Card Portfolio Manager
Track every credit card — limits, APRs, annual fees, due dates, and promo rates. See your total utilization at a glance and optimize your credit health.
Challenges & Badges
Stay motivated with weekly challenges and achievement badges. Build healthy financial habits through gamification that actually works.
Transaction Ledger PRO
Browse all your bank transactions in a beautiful, searchable feed. Filter by category, account, or date — and export to CSV or JSON with one tap.
FIRE Calculator
Calculate your path to financial independence and early retirement based on your real numbers — savings rate, expenses, and investments.
Savings Goals
Set targets for emergency funds, vacations, or big purchases. Track progress and watch your goals factor into your overall financial health score.
Face ID & Passcode Lock
Protect your financial data behind Face ID, Touch ID, or a custom passcode. Your money info stays private even if someone picks up your phone.
Three steps. Five minutes. Full clarity.
Run a weekly check-in every Sunday to stay on top of your finances.
Sync Your Accounts
Connect your banks with Plaid for automatic updates, or enter balances manually — whatever you're comfortable with.
Run Your Audit
Tap one button. Your AI coach analyzes everything — checking, savings, debt, bills, investments — and generates your personalized action plan.
Follow Your Plan
Get clear, prioritized steps: pay this card first, move this to savings, cancel this subscription. Track your progress on the dashboard.
Free forever. Upgrade when you're ready.
The free plan includes everything you need to take control. Pro unlocks premium AI models and removes all limits.
Free
- 2 AI audits per week
- 10 AI chat messages per day
- AI powered by Gemini 2.5 Flash & GPT-4o mini
- Plaid bank syncing
- Debt simulator & FIRE calculator
- Cash flow calendar
- iCloud cross-device backup & restore
- Face ID / passcode lock
Pro
- 60 AI Check-Ins per month
- 50 AI Chat messages per day
- Upgrade to premium AI: Gemini 2.5 Pro, OpenAI o4-mini & Claude Haiku
- Transaction Ledger with search & export
- Advanced analytics & trend charts
- Faster AI responses & deeper reasoning
- Share score cards without branding
💡 Save 40% with the annual plan — just $4.17/month.
Subscriptions auto-renew until cancelled. Cancel anytime in your device's subscription settings.