YourDigits: Budget By Payday

See how much money you're on track to have each day until payday.

YourDigits maps your pay cycle day by day, so you can spot tight days before they hit. Set it up once, keep your bills and income scheduled, and your forecast stays current as you mark items paid or unpaid. You can see where you stand in this cycle, and with Premium, the ones coming up.

Most budgeting apps explain where your money went. YourDigits is built for what comes next: upcoming bills, future paydays, and the days in between. It runs on your real pay cycle, weekly, biweekly, twice a month, monthly, or custom, instead of forcing your life into a calendar month.

SEE EVERY DAY UNTIL PAYDAY

The Payday Forecast screen lays out your pay cycle day by day, with your projected balance on each one. Mark a bill paid or unpaid and the whole forecast updates instantly. Scroll ahead to preview your next four pay cycles before money gets tight, or back to compare past ones.

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. Three-paycheck months just work.

SET IT UP ONCE

Schedule your income and recurring bills once, during setup. They carry forward every cycle and pre-generate into future ones, so you never rebuild your budget from scratch. Fixed bills record themselves on their date, already categorized. Most cycles, your job is a quick review. Adding new recurring bills after setup is part of Premium.

ADD THE REST IN SECONDS

For the stray coffee run, just say it: "twelve dollars at the cafe yesterday." Parsed, categorized, and dated in seconds. Speech recognition runs entirely on your device. No audio is stored, saved, or sent anywhere.

KNOW WHAT TO FIX FIRST

Your money has structural leaks: gaps that quietly cost you hundreds or thousands a year, like missing your employer match or having no emergency fund. YourDigits finds them through a quick audit, scores your financial health 0 to 100, and tells you which to fix first, with a real dollar amount each cycle.

YOUR CYCLE, WRAPPED

At the end of each pay cycle, get a story-style recap: total spent, biggest expense, versus last cycle, and your momentum.

SWITCH WITHOUT STARTING OVER

Years of history in another app? It comes with you. Built-in importers for YNAB, Monarch Money, Copilot Money, and Bluecoins, or any CSV.

FREE PLAN

The current pay cycle in Payday Forecast, budget planning on your pay cycle, Leak Ladder tasks with dollar amounts, adaptive targets, end-of-cycle recaps, voice input (5 a day), reconciliation (5 a month), up to 9 accounts, 24 custom categories, multi-currency, and import from any app.

PREMIUM

Future and past pay cycles in Payday Forecast, unlimited voice, financial health score, full spending insights, savings and debt tracking, unlimited accounts and categories, new recurring bills after setup, 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 for years. The thing that actually changed how I felt about money wasn't the tracking. It was a spreadsheet I built to see, day by day, how much I'd have until my next payday, so I knew when things would be tight and when I could breathe. YourDigits is that, made simple.

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

Privacy Policy: https://yourdigits.app/privacy
Terms of Service: https://yourdigits.app/terms