YourDigits is a personal finance tool designed to simplify budgeting by minimizing manual data entry and aligning financial planning with an individual's pay cycle. Built by an accountant who manually tracked over 4,600 transactions, the app addresses common frustrations found in traditional budgeting software, such as the need for frequent manual input, miscategorized transactions, and rigid calendar-based cycles that do not reflect actual pay schedules. YourDigits allows users to set up their budget once, after which each pay cycle requires only a brief check-in to approve or adjust the automatically generated plan.
The platform emphasizes automation for recurring transactions, with fixed bills and planned expenses pre-scheduled and marked as paid on their due dates. Categories and amounts carry forward from one cycle to the next, so users do not need to rebuild their budget every month. The app supports a variety of pay cycles, including weekly, fortnightly, monthly, semi-monthly, and custom schedules. For unplanned expenses, users can add transactions by speaking, reducing the need for manual typing. YourDigits also features adaptive targets that recalibrate when spending deviates from the plan, helping users stay on track without punitive measures.
A key component is the "Leak Ladder," a built-in priority system that automatically allocates funds to essential categories in a specific order: spending plan, emergency fund, employer match, high-interest debt, and other financial goals. This approach ensures that critical financial needs are addressed before discretionary spending. The app provides at-a-glance insights through three key metrics: percent of plan spent versus cycle elapsed, projected cash at the end of the period, and changes in spending pace. Additionally, a health score from 0 to 100 summarizes the user's overall financial setup.
YourDigits does not require bank account linking, focusing instead on user-driven scheduling and approval of transactions. 99 per month. Its design aims to make budgeting less time-consuming and more closely matched to real-world financial habits.
YourDigits is a Personal finance & budgeting product. It focuses on simplifying personal budgeting by automating recurring transactions and reducing manual entry. It is built as a consumer product for individuals managing personal finances. YourDigits is a paid product starting at $6. The product ships for the web, iOS, and macOS.
Behind YourDigits is Joy Lumantas, based in the United States, and the product first shipped in 2026. Key capabilities include automated budgeting, recurring transaction scheduling, and spoken input.
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