YourDigits for Retirees
Hero
Heading: You Saved for Decades. Now You Need to Know If It's Going to Last.
Subheading: In retirement, the question isn't how to save more. It's whether your spending rate matches your income. Most people don't have a clear answer to that.
Pain Points
1. Fixed Income With Rising Costs
Your pension or super payment comes in on a predictable schedule. But the bills don't stay predictable. Healthcare costs go up. Utility bills go up. A repair you didn't budget for shows up in the middle of a month that was already tight. When you're on a fixed income, one unexpected expense doesn't just cause stress. It throws off your whole cycle. And without visibility into your spending pace, you often don't notice until the end of the month.
2. No Clear Picture of Whether Your Money Will Last
This is the question that sits in the background for a lot of retirees. Not "can I afford this?" in isolation. The deeper one: "Am I spending at a rate that makes sense given what I have and what I expect to receive?" Most tracking tools weren't built for this. They show you what you spent. They don't show you whether that spending rate is sustainable, or flag when you're drifting above it.
3. Most Budgeting Apps Are Built for People Accumulating, Not Drawing Down
The Leak Ladder in working life is about building. Saving, investing, reducing debt. In retirement, the leaks are different. Not Investing Beyond Retirement flips in meaning: it's about drawdown management, not growth. No Spending Plan matters more on a fixed income than it ever did on a salary. And any app that's built for a 35-year-old trying to max their 401k doesn't really speak to where you are now.
Solution
Heading: A System That Works for the Drawdown Phase
- Voice-log expenses the way you'd tell someone what you spent. "Pharmacy, forty-two dollars." No tiny buttons or multi-step forms.
- Spending pace visibility shows you whether you're on track for the cycle, not just what you've already spent.
- The Health Score (0-100) adapts to a drawdown context. No Spending Plan and Not Investing Beyond Retirement are the leaks most relevant to your situation, and the audit finds both.
- No bank connections required. Everything is on-device, private, and under your control.
- Simple enough to use without a tutorial. Powerful enough to actually change what you see.
CTA
Heading: Find Out Where Your Money Is Actually Going Each Cycle
Body: Take the Know Your Digits quiz. 11 questions about your actual financial situation. Find out which leaks are active and get a spending system that works on a fixed income.
Button: Take the Know Your Digits Quiz → /tools/know-your-digits
Or start with the blog if you want to read more first.