Catalyst Cash: Money Manager

Most budgeting apps show you charts of money you already spent. Catalyst Cash tells you what to do next. Once a week, you run a quick money audit and walk away with answers, not just data: what's safe to spend before bills hit, which subscriptions and fees are coming, which card to use for your next purchase, and the single move that matters most right now. No sprawling dashboards. No guesswork. Just a sharper plan, every week. BUILT AROUND YOU Catalyst learns your goals during a quick setup, then shapes everything around them. A Your Plan card tracks your progress right on the home screen. Your audits and AI guidance speak to what you are actually working toward. And the tone adapts to your moment, steady and reassuring when money is tight, sharper when you are optimizing. The numbers and safety guidance never bend. Adjust your goals anytime, and the plan follows. WHAT YOU GET - Your safe-to-spend number, before bills and renewals land - Early warning on upcoming subscriptions, annual fees, and cash-flow gaps - Checking, savings, debt, cards, rewards, and cash flow in one clear place - The best card to use before you pay, so you stop leaving rewards behind - A weekly plan for paying down debt, building savings, and staying in control - Ask AI follow-ups grounded in your real, current numbers - Track by hand, or connect your accounts when you want it automated - On-device records with backup, export, and restore whenever you choose FIND THE MONEY YOU'RE LEAVING BEHIND Potential Opportunities surfaces missed rewards, recurring charges you forgot about, and bills worth a second look, kept separate from what you have already saved and easy to dismiss. When a subscription is not pulling its weight, Catalyst hands you a direct cancellation link and a ready-to-send negotiation script. Nearby best-card suggestions run entirely on your device with Apple Maps, so your location never leaves your phone. FOR PEOPLE WHO WANT AN ACTIVE MONEY SYSTEM Not passive charts. Open the app, run the audit, see your week clearly, and move with intent. Most people turn it into a few-minute weekly ritual, and the plan compounds from there. YOUR DATA STAYS YOURS Privacy comes first. Your core records stay on your device. Unlike apps that make money off your financial data, Catalyst Cash never sells your data and uses no third-party advertising tracking. AI audits and Ask AI ask for your in-app consent before any request is sent, and those requests carry minimized financial context routed through Catalyst Cash LLC's backend to OpenAI, our current AI provider. Optional online features like AI, account linking, backup, restore, and export only run when you choose them. FREE OR PRO The full weekly workflow is free. Pro lifts the limits for people who live in it: 30 in-depth audits a month, 20 Ask AI chats a day on the upgraded Catalyst AI CFO engine, up to 8 linked banks, the full audit archive, and a searchable ledger with export. Invite a friend and you both get a free month of Pro after their first eligible purchase. Catalyst Cash Pro Monthly: $9.99 per month. Catalyst Cash Pro Annual: $89.99 per year. Catalyst Cash Pro Lifetime: one-time purchase of $199.99. Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current period. Lifetime does not auto-renew. Terms of Use: https://catalystcash.app/terms Privacy Policy: https://catalystcash.app/privacy