YourDigits Pricing: Free Plan and Premium
YourDigits shows what you're on track to have left each day until payday. You can start on the Free plan at no cost. Premium is US$5.99 a month or US$39.99 a year, with a 14-day free trial.
Prices as of October 2026. Prices are in US dollars; the App Store charges in your local currency, so the price differs outside the US.
Free vs Premium
| Free | Premium | |
|---|---|---|
| Price | US$0, no card needed | US$5.99/month or US$39.99/year (about US$3.33/month) |
| Payday forecast | Your current pay cycle | Plus the last 2 pay cycles and the next 4 |
| Pay cycles | Weekly, every two weeks, twice a month, monthly, or custom (1 to 365 days) | Same |
| Typed transactions | Unlimited | Unlimited |
| Voice entry | 5 saves a day (one save can hold several transactions) | Unlimited |
| Accounts | Up to 9 | Unlimited |
| Categories | Up to 24, including subcategories | Unlimited |
| Balance Checks (reconciliation: match an account to your real balance) | 5 a month | Unlimited |
| Recurring income and bills | The ones you add during setup carry into every pay cycle | Add new ones after setup, as many as you like |
| Budget planning on your pay cycle | Included | Included |
| Leak Ladder tasks with dollar amounts, adaptive targets, end-of-cycle recaps | Included | Included |
| Savings and debt tracking (Saved and Owed on your dashboard) | Not included | Included |
| Spending insights | Locked previews | Full insights and trends, plus the Cycle Summary |
| Financial Health Score | The score on your home screen | The full score breakdown |
| Currencies | 31 built-in currencies with automatic exchange rates, plus your own custom ones | Same |
| Import | From YNAB, Monarch, Copilot, Bluecoins or a CSV file | Same |
| Export | Not included | CSV and PDF |
| Notifications | Daily reminder | Daily reminder, plus alerts for recurring items, pay cycles, tasks and spending |
Voice saves reset daily. Balance Checks reset on the first of each month.
The price
- Monthly: US$5.99 a month.
- Yearly: US$39.99 a year. That's about US$3.33 a month, or US$31.89 less than paying monthly for 12 months.
- Price lock: new subscribers keep this price as long as they stay subscribed.
- Outside the US: the App Store sets the price in your local currency, so it may not be US$5.99. You'll see the price in your currency before you subscribe.
The free trial
Premium comes with a 14-day free trial, one per person. You choose how to start it when you set up the app:
- With a card, on the monthly or yearly plan. You're billed when the 14 days end unless you cancel first.
- Without a card. You get Premium for 14 days, then move to the Free plan automatically. Nothing to cancel.
Either way, everything you've set up stays when the trial ends.
What YourDigits doesn't do
- No bank login. YourDigits can't connect to your bank, so it never sees your bank password. You add transactions by typing, by voice or by importing a file.
- No Android or web app. YourDigits is built for iPhone (iOS 16 or later) and also installs on iPad. (The Payday Forecast tool on this site is free to use in any browser.)
- The forecast is a projection, not a bank balance. It's built from the balances, pay schedule and bills you enter, so it shows what you're on track to have based on your plan. It doesn't guess at spending you haven't added.
- It doesn't move money. YourDigits doesn't hold funds, make payments or transfer anything. It's a planning app.
Questions
Is YourDigits free? Yes. The Free plan costs nothing and needs no card. You get the payday forecast for your current pay cycle, unlimited typed transactions, 5 voice saves a day, up to 9 accounts and up to 24 categories.
Is the payday forecast free? Yes. The forecast for your current pay cycle is on the Free plan: a calendar with a projected balance on every day until your next payday. Premium adds the last 2 pay cycles and the next 4.
How much is Premium? US$5.99 a month or US$39.99 a year in the US. Outside the US, the App Store charges in your local currency and shows you the price before you subscribe.
Is there a free trial? Yes, 14 days of Premium, with or without a card. Without a card, you move to the Free plan automatically when it ends.
How do I cancel? Apple manages the subscription, so you cancel in your iPhone's Settings: tap your name, then Subscriptions, then YourDigits. You keep Premium until the end of the period you've paid for, and your data stays.
How does the price compare with other budgeting apps? Many popular budgeting apps charge between US$10 and US$18 a month, and several have no free plan. YourDigits Premium is US$5.99 a month, with a Free plan alongside it. Our comparison of YourDigits and other budgeting apps goes through the differences app by app.
Do I need to link my bank? No. YourDigits never asks for a bank login. Your recurring income and bills carry into each new pay cycle, so the regular items are already in place each time you get paid.