# YourDigits: Budget By Payday — See what's left till payday > Daily balance forecasting based on your specific pay cycle. (iPhone/iPad app by Joy Lumantas.) - Source: https://appshunter.io/ios/app/yourdigits-budget-by-payday/id6756943171 (this page in markdown: same URL + `.md`) - Developer: [Joy Lumantas](https://appshunter.io/developer/1863832667) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 16.0 · 68 MB - Languages: American English - Released: 2026-04-04 - Data updated: 2026-10-11 - Monetization: freemium ## What is YourDigits? 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 ## Key features - Daily balance forecast until payday - Customizable pay cycle scheduling - Income and recurring bill scheduling - Speech-to-text expense entry - Financial health audit and scoring - End-of-cycle spending recaps - Import from other budgeting apps ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | YourDigits System (Yearly) | $39.99 | per year | | YourDigits System (Monthly) | $5.99 | per month | | YourDigits System (Yearly) | $59.99 | per year | | YourDigits System (Monthly) | $9.99 | per month | | YourDigits System (Monthly) | $5.99 | per month | | YourDigits System (Yearly) | $39.99 | per year | ## Is YourDigits safe? Not enough ratings yet to assess YourDigits. ## Is YourDigits legit? YourDigits: Budget By Payday has limited verification signals. The AppsHunter Legitimacy Score for YourDigits is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Frequently asked questions about YourDigits ### How does YourDigits forecast my balance? YourDigits maps your pay cycle day by day, incorporating your scheduled income and bills. It then projects your balance for each day until your next payday, allowing you to see potential tight spots in advance. ### Can I customize my pay cycle in YourDigits? Yes, YourDigits is built to run on your actual pay cycle, whether it's weekly, biweekly, twice a month, monthly, or custom. This ensures your budget accurately reflects your financial reality. ### What features are included in the free version of YourDigits? The free plan includes the current pay cycle forecast, budget planning based on your cycle, Leak Ladder tasks, adaptive targets, end-of-cycle recaps, limited voice input (5 per day), limited reconciliation (5 per month), up to 9 accounts, and 24 custom categories. ### What are the benefits of YourDigits Premium? Premium unlocks future and past pay cycle forecasts, unlimited voice input, a financial health score, full spending insights, savings and debt tracking, unlimited accounts and categories, the ability to add new recurring bills after setup, export options (PDF/CSV), and all smart notifications. ### Does YourDigits have ads? No, YourDigits does not contain advertisements. The app offers a free tier and a premium subscription for enhanced features. ### How secure is the speech recognition in YourDigits? The speech recognition for adding expenses runs entirely on your device. No audio is stored, saved, or sent anywhere, ensuring your privacy. ### Can I import my data from other budgeting apps into YourDigits? Yes, YourDigits offers built-in importers for YNAB, Monarch Money, Copilot Money, and Bluecoins, as well as support for importing any CSV file. This makes switching to YourDigits seamless. ### What is the update frequency for YourDigits? The app was last updated on September 24, 2026, indicating active development. Updates typically focus on improving features and reliability. ## Version history (last 5 releases) ### 1.2.6 — 2026-10-01 More than one income - Budget Builder now shows every income in your pay cycle, not just your paycheck - Your main income is marked MAIN and stays protected, since your pay cycle runs on it - Add a side income or a bonus right from Budget Builder Smarter forecasts - Payday Forecast sizes your future set-asides from your main income, so a one-off bonus doesn't inflate them ### 1.2.3 — 2026-09-24 A smoother start - After setup you land on Payday Forecast, your pay cycle at a glance - Home then points you to your first step: reviewing the budget built from your answers Budgeting fixes - Extra income: a savings top-up now counts once, so Remaining is right - Tap a top-up again to lower it or clear it - Budget amounts are exact to the cent - Done Budgeting no longer shows a save error Other fixes - No more error when deleting a transaction that was already removed - Daily recurring transactions can be edited again ### 1.2.0 — 2026-09-10 Payday Forecast - See your whole pay cycle as a calendar, and what your balance does across it - Tap any day to see just that day's breakdown - The current cycle shows Planned or Actual, your choice. Actual counts only what you have actually paid - See the money you started each cycle with - Past and future cycles are part of premium Recurring made easier - Manage a whole recurring series, not one entry at a time - Turn a transfer you already have into a recurring one - Set up recurring transfers between your accounts - Let auto pay tick off recurring items as they come due Fewer interruptions - Coach marks and the welcome screen are off by default. Turn them on anytime from the drawer Faster and steadier - The app feels more responsive when you tap - Fixed a bug that could leave two Home screens stacked - Import Data now closes properly when you go back - Fixed a crash on the home tab if you are paid twice a month ### 1.1.0 — 2026-04-28 - Dark Mode (pick Light, Dark, or System in Settings) - Redesigned onboarding with interactive chapters and claim cards - New in-app tours walk you through Home (Budget and Actual), Categories, and Accounts. Replay anytime from the drawer or the (?) icon on each screen - Categories page now shows each category's budget amount. Tap to edit, or tap Add to set one. Income tab shows your take-home pay - Tap an unbudgeted category on the Planned tab to set a budget mid-cycle - Budget tasks are no longer premium - Tap your avatar for the new profile sheet ### 1.0.1 — 2026-04-05 Bug fixes and minor polish: - Fixed dates showing the wrong day in certain time zones - Fixed keyboard staying visible after sign-in and modal transitions - Calendar and time picker display fixed in system dark mode - Minor UX improvements across transaction entry and onboarding ## Apps similar to YourDigits | App | Rating | Price | Category | | --- | --- | --- | --- | | [Finolid: Budget by Paycheck](https://appshunter.io/ios/app/finolid-budget-by-paycheck/id6761145701) | — | Free | Finance | | [PiggyPulse](https://appshunter.io/ios/app/piggypulse/id6761050079) | — | Free | Finance | | [blyn: Budget & Expense Tracker](https://appshunter.io/ios/app/blyn-budget-and-expense-tracker/id6799817602) | — | Free | Finance | | [Sana Money: AI Expense Tracker](https://appshunter.io/ios/app/sana-money-ai-expense-tracker/id6774725442) | — | Free | Finance | | [The Collextion: Balance](https://appshunter.io/ios/app/the-collextion-balance/id6752877141) | 5.0 (3) | $0.99 | Finance | | [Paycheck Debt Planner](https://appshunter.io/ios/app/paycheck-debt-planner/id6773201250) | 5.0 (1) | Free | Finance | ## Related topics [payday budget](https://appshunter.io/ios/topics/payday-budget) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-11.*