Your money has leaks you can't see.
And there's an order to fixing them.
YourDigits finds these leaks and tells you what to fix first.
Built by an accountant who tracked 4,600+ transactions by hand.
Every budgeting app you've tried tracked your spending but never told you what to do about it. That's why you quit.
The Leak Ladder.
Most people jump straight to investing before they've plugged the leaks below it. The Leak Ladder fixes that. It detects your leaks, puts them in priority order, and tells you which to fix first.
Once everything below is handled, put your money to work. This is the last rung because it only makes sense when the foundation is solid.
Learn more →Future you needs about 15% of your income going toward retirement. Most people start this too late or skip it entirely.
Learn more →You need something to save toward beyond emergencies. A house deposit, a trip, a buffer. Without goals, extra money just leaks.
Learn more →Car loans, BNPL, personal loans. Less urgent than high-interest, but still costing you.
Learn more →Once the expensive debt is gone, build your full safety net (3–6 months). This is what keeps you from going back into debt.
Learn more →Debt above 7% costs more than investing would earn you. Paying it down is a guaranteed return.
Learn more →Your employer is matching what you put in. Every pay cycle you skip this, you’re turning down free money.
Learn more →A small safety net ($1,000 or one month) keeps one bad week from undoing everything above it.
Learn more →Nothing works if you don’t know where your money is going. This is the foundation everything else sits on.
Learn more →Start at the bottom. Work up.
Want to understand each leak? Read the Leak Ladder guide
Find your leaks in 3 minutes.
No signup. No bank connection. Just answers and a score.
Find My LeaksJust want a quick estimate? Try the leak calculator (60 seconds)
Just talk. The system does the rest.
Just talk. The system does the rest.
Tracking your spending is how the system knows you're on track. That's it. 5 seconds per transaction. No forms. No categories to pick.
You speak naturally
"Fifty bucks at Costco, twenty at Chick-fil-A, and fifteen at Target."
We parse everything
Three transactions, three merchants, three categories, matched to accounts. Automatically.
Confirm and move on
One tap. Your whole day's spending, logged in under 10 seconds.
It works even when you don't.
Voice gets your data in. The app handles the rest: tracking your pace, building your plan, adjusting when life happens.
Payday tasks
Every payday, the system tells you exactly where your money should go.
Bills, savings transfers, debt payments. In order. No more guessing.
Adaptive targets
Slip up? The system adjusts instead of punishing you.
Life happens. The plan bends with you. No red numbers. No guilt.
Spending pace
Know you're overspending before the pay cycle ends, not after.
The system watches your spending velocity and warns you before a leak gets worse.
Health score
One score (0–100). Watch it climb as you plug each leak.
How well are your leaks plugged? Track your progress with one number.
Real people. Real leaks. Real progress.
“I kept quitting budgeting apps after two weeks. This is the first one where I actually know what to do each payday.”
YourDigits user
6 weeks and counting
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Collecting feedback from early users.
Bring your history with you.
You spent months categorising transactions in another app. That work shouldn't disappear because you switched.
Export your data, upload the file. Our importer maps everything in seconds. No data left behind.
Mapping your transactions...
Why this exists.
I've tracked every personal transaction since 2020. Over 4,600 entries. I'm an accountant so the habit kind of came with the job. I call it my financial diary. A record of my life, written in transactions instead of words.
But even with all that data, I didn't always know what to do with it. I had habits I could see but no system for fixing them in the right order. My cousin was the same. He'd try tracking, last about 2-3 weeks, and quit. Every time. Not because he didn't care. Because the apps never told him what to actually fix.
So I built something for both of us. You just talk, and it detects where your money is leaking and tells you what to fix first, in what order. I call it the Leak Ladder.
The goal: make a 5-year streak possible for someone who doesn't have accounting in their blood. Including me.
Your data stays with you.
No bank login. No bank connection. You enter what you spend.
No bank login required
You enter your spending by voice or typing. No bank credentials needed.
On-device speech recognition
Your voice is processed on your phone. No audio is stored or sent to any server.
Your data is encrypted
Encrypted at rest and protected by row-level security. Only you can access your data.
No third-party access
We don’t sell, share, or analyse your financial data.
Start free. Upgrade when you're ready.
Most budgeting apps charge $13–$15/mo. YourDigits starts free.
Free
No credit card required
- Voice input (daily limit)
- Spending Pulse basics
- Reality Check (monthly limit)
- Up to 9 accounts
- 24 custom categories
- Multi-currency support
- Import from other apps
- Daily reminders
Premium
per month · $39.99/yr
Everything you need to find and fix your leaks.
- Everything in Free
- Unlimited voice input
- Unlimited Reality Checks
- Full Spending Pulse insights
- Leak detection & Health Score
- Budget mode & adaptive plans
- Unlimited accounts & categories
- Recurring transactions
- Export (PDF & CSV)
- All smart notifications
Start free. Upgrade anytime.
Find your leaks. Fix them in order.
Free to download. The audit takes 3 minutes and tells you exactly where your money is leaking.
Download on the App Store (requires iOS 16+)
Take the audit. Get your score in 3 minutes.
Bring your data from other apps
Want updates and tips?
No spam. Updates and tips only.
Built by an accountant who tracked 4,600+ transactions by hand so you don't have to.