See what you're on track to have left each day until payday.
YourDigits maps your pay cycle day by day, so you spot the tight days before they happen. Set up your income and bills once and they carry into every cycle.
Built by an accountant who tracked 4,600+ transactions by hand. No bank linking required.
Payday Forecast
9 OCT – 22 OCT 2026
Mon
Tue
Wed
Thu
Fri
Sat
Sun
5
$224
6
$211
7
$211
8
$197
9
$2,140
10
$2,140
11
$1,515
12
$1,405
13
$1,309
14
$1,269
15
$1,215
16
$1,215
17
$1,199
18
$1,199
19
$254
20
$254
21
$244
22
-$121
23
$1,831
24
$1,691
25
$1,096
Income
Expenses
Set aside
Payday Forecast
Your bank balance shows today. YourDigits shows whether your money will last until payday.
Payday Forecast
9 OCT – 22 OCT 2026
Mon
Tue
Wed
Thu
Fri
Sat
Sun
5
$224
6
$211
7
$211
8
$197
9
$2,140
10
$2,140
11
$1,515
12
$1,405
13
$1,309
14
$1,269
15
$1,215
16
$1,215
17
$1,199
18
$1,199
19
$254
20
$254
21
$244
22
-$121
23
$1,831
24
$1,691
25
$1,096
Income
Expenses
Set aside
Your payday forecast lays out your pay cycle day by day, with your projected balance on each one, ending at your next payday. Mark a bill paid or unpaid and the whole forecast updates.
Mark paid, it updates
Tick a bill paid or unpaid and every day after it recalculates instantly.
Preview coming cycles
Scroll ahead to your next pay cycles, pre-generated from your schedule, before money gets tight.
Spot tight days early
Payday isn't always the tightest day. See the dip coming before it happens.
Your forecast is built from what you enter: your starting position, scheduled income and bills, and what you mark paid. No bank linking, no guessing at purchases you haven't planned.
Built on your paydays, not the 1st.
You don't get paid on the 1st, so why budget like it? Everything runs on your actual paydays, and three-paycheck months just work. Set it up once: your income and bills carry forward every cycle, so you never rebuild your budget from scratch.
Setup is the hard part. After that, every cycle starts pre-populated. Each payday is a five-minute check-in, not a rebuild.
Auto-recorded bills
Fixed bills record themselves on their date.
Rent, subscriptions, utilities. Scheduled once, recorded on the day, already categorized.
One-tap recurring
Planned items show up as one-tap rows.
Groceries, gas, coffee. Pre-generated from your schedule. Hit confirm.
Carries forward
Categories and amounts copy to the next cycle.
No rebuilding the budget every month. Last cycle's plan is next cycle's starting point.
Pay-cycle aligned
Aligned to your pay cycle, not the calendar.
Weekly, fortnightly, monthly, semi-monthly, custom. Whatever cycle you actually get paid on.
For the unplanned ones, just talk.
For the unplanned ones, just talk.
Most transactions are already on the schedule. Coffee you didn't budget for, a surprise refund, the slice the schedule doesn't catch. Five seconds, no forms, no categories.
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. The unplanned slice of your day, logged in under 10 seconds.
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
“
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...
Founder
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 the tracking wasn't what changed how I felt about money. All those entries answered where it went, a backward-looking question. The one that mattered was what I'd have left before payday. So I built a spreadsheet that showed me, day by day, when things would be tight and when I could breathe.
Set up your pay cycle, income, and bills once, and your forecast is just there every day. When you're ready to fix what's draining you, the Leak Ladder tells you what to fix first, in order.
YourDigits is that spreadsheet, made simple.
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 · 14-day free trial
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
- Past and current cycles
- Unlimited accounts & categories
- Recurring transactions
- Export (PDF & CSV)
- All smart notifications
Start free. Upgrade anytime.
See your money through to payday.
Free to download. Add your pay cycle and a few bills, and your first payday forecast is on screen in minutes.
Download on the App Store (requires iOS 16+)
Set your pay cycle and bills. See your first forecast.
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.