YourDigits

YourDigits is a budgeting app that finds where your money is leaking and tells you what to fix first, in what order. Most budgeting apps track your spending and leave you to figure out the rest. YourDigits detects 9 types of financial leaks — from missing emergency funds to unmatched employer contributions to high-interest debt — and prioritises them into a system called the Leak Ladder. You start at the bottom and work up. The app runs on your pay cycle, not calendar months. Every payday, it assigns your money to leak-plugging tasks: bills, savings transfers, debt payments. Voice entry lets you log spending in 5 seconds — just talk, the app parses everything. Adaptive targets adjust when life happens instead of showing you red numbers. A health score from 0 to 100 tracks your progress as you plug each leak. No bank login required. On-device speech
recognition. Your data stays with you. Free on TestFlight during the public beta.