Coming Soon
CATO Cash Flow
Personal budgeting & retirement cash flow planning — unified in one intelligent tool.
See every dollar. Plan every year.
CATO combines the daily clarity of personal budgeting with the long-horizon power of cash flow modeling — so you can track what you spend today and project where you'll be decades from now.
Two tools. One seamless experience. Zero guesswork.
Monthly Income
$8,450
+2.1%
Total Expenses
$5,230
-4.3%
Savings Rate
38.1%
+1.8%
Runway to FIRE
12.4 yr
-0.6yr
Two powerful engines
Built for people who want more than a spreadsheet but less than a financial advisor.
Personal Budgeting
Track & optimize
- Automatic categorization of income & expenses
- Custom budget templates (50/30/20, zero-based, etc.)
- Real-time spending alerts & trend analysis
- Month-over-month variance tracking
- Savings goal automation with milestone alerts
Cash Flow Planning
Model & project
- Multi-decade retirement income & expense projection
- Social Security, pension & RMD integration
- Tax-aware withdrawal sequencing across accounts
- Scenario modeling (early retirement, part-time, etc.)
- Monte Carlo simulations for portfolio longevity
Built for clarity
Every feature designed to turn financial complexity into actionable insight.
Smart Categorization
AI-powered transaction sorting that learns your patterns and gets more accurate over time.
Projection Engine
Model your financial future with adjustable inflation, returns, and life-event assumptions.
Scenario Stress-Testing
What if the market drops 30%? What if you retire 3 years early? Run the numbers instantly.
Goal Tracking
Set milestones for emergency funds, home down payments, or retirement targets — and watch your progress.
Tax-Aware Insights
Understand the tax impact of Roth conversions, withdrawal order, and capital gains in context.
Real-Time Sync
Connect accounts for live balance updates, or import manually — your data, your choice.
0+
What-if scenarios using your real data
0+
Year projection range
$0
Cost during beta
0%
Privacy-first
Free Beta Access
Be the first to try CATO
We're building CATO for people who care about their money — not just today, but for every year ahead. Sign up to get free access when we launch.
No spam. No credit card. Just early access.