See what you're on track to have left each day until payday.
YourDigits puts your pay cycle on a calendar, with a projected balance for every day until payday, 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
23 OCT – 5 NOV 2026
Mon
Tue
Wed
Thu
Fri
Sat
Sun
19
$224
20
$211
21
$211
22
$197
23
$2,140
24
$2,140
25
$1,515
26
$1,405
27
$1,309
28
$1,269
29
$1,215
30
$1,215
31
$1,199
1
$1,199
2
$254
3
$254
4
$244
5
-$121
6
$1,831
7
$1,691
8
$1,096
Income
Expenses
Set aside
Payday Forecast
Your bank balance shows today. YourDigits shows whether your money will last until payday.
Payday Forecast
23 OCT – 5 NOV 2026
Mon
Tue
Wed
Thu
Fri
Sat
Sun
19
$224
20
$211
21
$211
22
$197
23
$2,140
24
$2,140
25
$1,515
26
$1,405
27
$1,309
28
$1,269
29
$1,215
30
$1,215
31
$1,199
1
$1,199
2
$254
3
$254
4
$244
5
-$121
6
$1,831
7
$1,691
8
$1,096
Income
Expenses
Set aside
Your payday forecast is a bill calendar for your pay cycle: a projected running balance on every day until your next payday. Tap a day in the app to see what lands on it. 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 which day your balance will be lowest before payday, while there's still time to plan around it.
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 month.
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.
Many popular budgeting apps charge US$10 to US$18 a month. YourDigits starts free.
Free
No credit card required
- Payday forecast for your current pay cycle
- Leak Ladder tasks & adaptive targets
- 5 voice saves a day
- 5 Balance Checks a month
- Up to 9 accounts
- Up to 24 categories
- Multi-currency support
- Import from other apps
- Daily reminders
Premium
per month · US$39.99/yr · 14-day free trial
See the pay cycles ahead, not just this one.
- Everything in Free
- Payday forecast for the last 2 pay cycles and the next 4
- Unlimited voice entry
- Unlimited Balance Checks
- Unlimited accounts & categories
- New recurring bills after setup
- Savings & debt tracking
- Full spending insights & Cycle Summary
- Financial Health Score breakdown
- Export (PDF & CSV)
- All smart notifications
Prices in US dollars. The App Store charges in your local currency. See full pricing and plan limits
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.