Face your financial future with confidence
Built for you
Catosphere is building a personal finance platform for everyone. As you grow your financial knowledge, our platform will expand to meet your needs.
The idea of managing your money is new to you. Our platform is easy to navigate and guides you to make effective financial decisions with minimal effort.
Build strategies, test scenarios, and understand your portfolio's true performance. We offer a wide range of features to make investing a breeze.
Our platform is easy to pick up and grows with you. While we are a great choice for beginners, you will find that our features rival dedicated software in multiple fields.
Planning a move, a wedding, a baby, or a home purchase? Our simulation features help you see the impact of your decisions before they hit your wallet.
Radical Pricing
We are dedicated to delivering unmatched features at an unmatched price. Everything from the size of our company to the technologies we use are aimed at keeping costs low.
Price Decrease: Pricing will decrease as our user base grows. Our goal is to make simulation-driven financial planning accessible to everyone.
Platform Status: Catosphere is currently in active development. Joining the waitlist is a non-binding expression of interest and does not require financial commitment, credit card details, or down payments.
Target Pricing: The displayed price of $50 per year represents our maximum target launch price for full platform access. While our architecture is built to minimize overhead, final pricing may be adjusted at release to account for changing third-party data pipelines, infrastructure costs, and platform development.
Market Comparisons: Competitor pricing reflects publicly available standard annual plan rates checked as of mid-2026. Competitor trademarks, and brand names are the property of their respective owners.
The Cato Way
Personal finance and budgeting haven't truly changed in decades. It's time for something better. Learn about the features that make Catosphere different.
Combining your long-term goals with our advanced simulation engine takes the worry out of planning for the future. Our system looks ahead to see how your choices play out over time, makes sure your plan can handle life's unexpected expenses, and gives you a clear path forward every single day.
Aug 2026
of $48,000 goal
🎉 Achieved 🎉
May 2028
of $50,000 goal
Save $1,090.51/mo in a CD
Feb 2060
of $2,000,000 goal
Invest $405.99/mo in a market index fund
Our uniquely powerful simulation engine is the key to unlocking the platform's most advanced features. By simulating a wide range of possible futures, our system helps you stay best prepared for the one that actually happens.
Map out big decisions and see the immediate and long-term impacts on your wealth before you spend a dime. Test any scenario by adding one-time expenses, shifts in your investment strategy, or permanent changes to your income and everyday spending. Instead of guessing, you get total clarity on how today's choices affect your future.
Price: $37,380
Loan: 3.49% APR for 5 years, $5,000 down
You allocate $200 per month for the car
Cash is invested and earns 7.6% per year
Inflation does not affect the value of the car or loan
A great budget shouldn't feel like a second job. Our tools connect your daily spending directly to your long-term goals, and strip away the tedious maintenance other budgeting methods require. Whether you want to put your finances on autopilot or dive deep into a granular budgeting plan, our platform seamlessly adapts to your needs.
Automatically build a savings and investment plan based on your upcoming income and bills. Plus, get a dedicated "fun money" category for guilt-free spending that won't impact your goals.
Ditch the rigid monthly box. Assign unique frequencies to individual income and expense categories so your budget aligns with your actual cash flow.
Expecting a promotion, or a move? Make changes to your budget at any point in the future and get a more accurate view of your net worth over time.
Automatically calculate budget amounts based on a percentage of your income or expenses.
Project your asset growth based on the specific positions you hold. You can analyze your entire portfolio, run historical tests to see how your assets would have performed in past markets, and design custom strategies that automatically adjust your allocations over time. Our reports include detailed analysis of your actual investment performance, ignoring contributions and withdrawals.
Strip away the noise of deposits and withdrawals to see your portfolio's true performance. Our platform scans your holdings to ensure you are aware of any hidden risks with your strategies.
Build and automate your portfolio allocation strategy using a detailed, node-based visual editor. Define your target portfolio architecture, and our platform will automatically calculate the exact trade orders required to rebalance and stay on track.
Move past generic growth assumptions. Our platform runs forward-looking projections on each individual position in your portfolio, simulating how your specific asset mix compiles into the future under various market conditions.
Stop treating taxes like an afterthought. The system automatically calculates your latent tax liabilities and capital gains burdens across your positions, ensuring your net return projections account for real-world friction.
By connecting your budget and your goals to our simulation engine, you can see exactly how your recent spending choices affect your future. Instead of guessing, you get a clear look at how your daily decisions impact your overall chances of success.
of $2,000,000 goal
You beat your prediction by $11,163.34! Now expected December 2058 instead of February 2060.
You can enjoy all the benefits of an advanced simulation engine driving your daily plan without ever having to adjust a single setting. But if you love to dig into the details, our platform gives you complete control to tweak every underlying assumption and model to match your exact philosophy.
The cloud made sense twenty years ago when devices were slow and unreliable, but times have changed. Our platform runs primarily on your own device, so your information stays safe at home where it belongs. Furthermore, we don't show ads and our list of third parties is shockingly small. The less we know about you, the better.
We ship with a beautifully documented REST API that grants you unrestricted access to your own financial data. Whether you want to build custom data pipelines, automated scrapers, or private AI assistants, the keys are entirely in your hands. While secure bank syncing is available as a hassle-free add-on, you are never locked into a single ecosystem.
Add Transaction
{
"date": "04-28-2026",
"account": "Joint Checking",
"description": "Check Paid #1046 (Cash)",
"amount": 988.08,
"tags": ["Credit Card", "Groceries"],
}{
"status": "success",
"latency_ms": 3.8
}The Simulation
This demo shows the trajectory of your net worth over the next 10 years, using the same technologies that will power our platform.
10-year projection based on simple statistical models
Final Range (high confidence)
This demonstration runs on the exact architectural foundation that will power our full financial platform. The results are based on simple statistical models seeded by historic market performance between 2016 and 2026. Inflation is not applied to income or expenses. This demo uses 5 simulation seeds to show sample paths; it does not represent a complete statistical risk analysis.
Notable Articles
Read our longer-form content for a more holistic view of the features we offer and how they interact to make our platform stand out.
Learn about a new budgeting method that focuses on achieving your goals rather than just tracking expenses.
Your long-term goals are the foundation of your financial plan, so why do we barely acknowledge them when creating a budget?
Learn how we plan for an uncertain future in the aerospace industry, and how our techniques can be applied to your personal finances.
At Catosphere, we're bridging the gap between daily budgeting and long-term planning. By connecting your goals and your spending, to our aerospace-grade simulation, the path forward becomes clear. Leave the guesswork behind and embrace data-backed confidence.
We are currently in active development of our suite of personal finance tools. If you want an approach to personal finance that adapts to your life instead of fighting it, join our waitlist. You'll help shape the future of Vision-Aligned Budgeting and have a chance to participate in our early access program.
