YourDigits: Budget by Voice

Most budgeting apps feel like homework. You start strong, fall behind by week two, and quit by month two. The problem isn't discipline. It's that the app makes you do the work every cycle.

YourDigits flips it. Set up your budget once, aligned to your actual pay cycle. After that, every cycle takes minutes: a recap, a quick review, and you're set.

THE PAY-CYCLE FLOW

You don't get paid on the 1st. YourDigits builds your budget around your actual pay cycle (weekly, biweekly, semimonthly, monthly, or custom). Categories and allocations copy forward. When the next cycle starts, you confirm. No rebuilding from scratch.

THE LEAK LADDER

Your money has 9 structural leaks: gaps that quietly cost you hundreds or thousands a year. Things like missing your employer match, carrying high-interest debt while investing, or having no emergency fund to absorb one bad month.

There's an order to fixing them. YourDigits detects your leaks through an in-app audit, gives you a financial health score from 0 to 100, and tells you which one to fix first. The system funds the leaks before lifestyle spending, so the right things get paid every cycle.

Each pay cycle, the app generates tasks tied to your specific leaks with actual dollar amounts. Something like "put $140 toward your starter emergency fund this cycle." Rough week? Targets adjust down instead of turning red. Fix a leak? The system moves you to the next one on the ladder.

JUST TALK

For tracking, you just talk. Say "fifty dollars at Costco, twenty at Chick-fil-A yesterday" and the app parses both transactions, categorises them, tags the dates and accounts. About 5 seconds. Speech recognition runs entirely on your device. No audio is stored, saved, or sent anywhere.

WARNINGS BEFORE YOU OVERSPEND

Other apps tell you what you spent. YourDigits tells you how fast you're spending. You'll know dining is running hot on Tuesday, not after the damage is done on Friday.

YOUR CYCLE, WRAPPED

At the end of each pay cycle, get a Spotify Wrapped-style recap: health score, total spent, vs. last cycle, biggest expense, over-budget categories, and your momentum trend.

SWITCH WITHOUT STARTING OVER

Built-in importers for YNAB, Monarch Money, Copilot Money, and Bluecoins, or any CSV. Accounts, categories, and dates mapped automatically.

THE REALITY CHECK

Enter your bank balance. YourDigits calculates the gap between what you've tracked and what your bank says. No statement hunting. Just the number and a way to close it.

FREE PLAN

Voice input (daily limit), Budget Mode with pay-cycle planning, Leak Ladder tasks each cycle with actual dollar amounts, spending pace basics, reconciliation (monthly), up to 9 accounts, 24 categories, multi-currency, daily reminders, and import from any app.

PREMIUM

Unlimited voice input, full spending pace, unlimited reconciliation, adaptive targets, leak detection and health score, cycle recaps, unlimited accounts and categories, recurring transactions, export (PDF/CSV), and all smart notifications.

Start free. Upgrade when you're ready.

WHY THIS EXISTS

I'm an accountant who tracked 4,600+ transactions by hand over 5 years. Even with all that data, I had no system for deciding what to fix first. My cousin had the opposite problem: he couldn't sustain tracking at all. Built YourDigits for both of us. The pay-cycle flow makes the system sustainable. The Leak Ladder gives you the order. Voice entry removes the friction. The app does the rest.

No bank linking. No ads. No selling your data.

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