Abstract: Based on the elimination of polarization, common prosperity is the universal prosperity. Whether digital inclusive finance can promote common prosperity is worth discussing. From the perspective of urban-rural income gap, this paper uses the panel data of 31 provinces from 2013 to 2021 in China, and analyzes the influence of digital inclusive finance on common prosperity by means of fixed effects model, mediating effect model, and panel threshold model. The results are following: (1) The development of digital inclusive finance is beneficial to reducing the urban-rural income gap. When digital inclusive finance increases for every 1 unit, the Theil index correspondingly drops by 0.0378 units. (2) Innovation is the transmission channel between digital inclusive finance and the urban-rural income gap. Innovation has a partial mediating effect between digital inclusive finance and urban-rural income gap, with a contribution rate of 9.04%. (3) Digital inclusive finance has the characteristics of regional heterogeneity, and its effect on the urban-rural income gap will vary with different regions. (4) There is a linear relationship between digital inclusive finance and urban-rural income gap. Accordingly, it puts forward the countermeasures from deepening the development of digital inclusive finance, strengthening the construction of digital infrastructure and alleviating regional differences.