YourDigits

Your finances have structural leaks. Not impulse buys or bad coffee habits. Structural gaps. Things like not having an emergency fund, carrying high-interest debt while investing, missing your employer's retirement match. There are 9 of them, and they have a priority order. Fix them out of order and you undo your own progress. YourDigits detects your leaks through an 11-question audit, roughly 3 minutes, and scores your financial health from 0 to 100. It tells you which leaks you have and which one to fix first. The priority system is called the Leak Ladder, and it works the way it sounds: you start at the bottom and climb, plugging one leak at a time. Each pay cycle, the app generates tasks with actual numbers based on where you are on the Leak Ladder. Not "save more." More like "put $140 toward your starter emergency fund this cycle." If you have a rough week, the targets come down instead of turning red. When you plug a leak, the system moves you up to the next rung. For tracking, you just talk. Say what you spent and the app parses it. "Forty at Woolworths, twelve at the servo yesterday." About 5 seconds. Speech recognition runs on your device, nothing stored or sent anywhere. No bank login. Free tier available. Premium is $5.99/month or $39.99/year. iOS.