If money always seems to slip through your fingers, you are not alone. Saving sounds easy in theory, but in real life, it is hard to stick to. That is where the “Last Digit” hack comes in. It is simple, almost effortless, and yes, it actually works.

Originally shared by creator @budgetbrojoe on TikTok, this easy money-saving hack racked up over 110,000 views. Why? Because it is easy to start, costs you next to nothing each day, and still adds up to real savings over time.

What Is the “Last Digit” Hack?

Here is how it works. You check your checking account balance at the end of the day. Whatever the last digit is, you move that amount into savings. If your balance ends in $7, you save $7. If it ends in $2, you move $2. That is it.

Olly / Pexels / Let’s say you have $1,756 in your account. You’d take that $6 and transfer it into savings.

Some people take it further and use the last cent digit. So instead of $6, it might be $0.06. It depends on your budget and how much flexibility you have.

This method works because it feels painless. Moving $3 or $6 doesn’t set off alarm bells in your head, and you won’t feel like you are cutting back. Over time, those little numbers grow into something real.

It is also low effort. No spreadsheets, no calculators, no guilt. You just do it once a day. And once it becomes a habit, it runs in the background of your life, building your savings while you focus on everything else.

@budgetbrojoe Super easy #savingshack that helps your create a good #habit for your #money now. #tiktokfinance #whiteboard #budget #tiktok #4 #fyp #moneyhack ♬ original sound - Budget Bros Podcast

 TikTok user @budgetbrojoe demonstrates that he saved $1,248 in a year using just this method. That is with no big income boost, no side hustle, no extra stress. Just checking the balance, moving the last digit, and keeping it going daily.

Other people in the #MoneyTok community have similar results. One woman saved over $1,300 in nine months. Another user combined the hack with a round-up savings app and ended the year with $2,000 stashed away.

Freepik / Most people fail at saving because they aim too high, too fast. They plan to stash $200 a week or commit to some strict challenge that collapses in no time.

The Money Adds Up Fast

If you average around $4 a day using this trick, you are looking at about $1,460 per year. Even if you are on a tight budget and saving pennies or cents, it still builds. It is not flashy, but it is reliable. The trick is in the habit, not the size. Once you start doing it without thinking, the numbers take care of themselves.

The “Last Digit” hack doesn’t ask much. There is no fixed number, and there is no pressure. If your account ends in $1, that is fine. If it ends in $9, great. You adjust based on what is there, and that is what makes it work long-term.

The best part is that you can do it all manually. That said, if you like automating things, some banking apps can help. Set daily reminders, use notes, or even program transfers with IFTTT or a banking rule if your app allows it.

Some people keep it old school and use pen and paper to track progress. Others share daily updates online to stay motivated. It is low-tech or high-tech, whatever fits your style.