Cashflow

Cashflow Leak Detector

This is more useful than a basic budget calculator because it compares spending categories with practical thresholds and identifies the biggest leaks.

Decision report included

Review the decision summary, key metrics, assumptions, and action items, then create a printable report for a lender, broker, household, or client discussion.

Use the report to document the scenario, explain the tradeoff, and agree on the next action.

Inputs

Enter your scenario.

Monthly take-home income$8,200

Monthly income after tax.

Fixed expenses$3,500

Rent/mortgage, utilities, insurance, and recurring essentials.

Subscriptions$240

Streaming, apps, memberships, and recurring tools.

Food and dining$1,420

Groceries, takeaway, coffee, and restaurants.

Transport$760

Fuel, public transport, rideshare, parking, and car costs.

Debt payments$650

Debt repayments excluding mortgage or rent.

Impulse spending$450

Unplanned shopping, upgrades, and discretionary extras.

Savings$900

Monthly amount saved or invested.

Cleanup intensityRealistic

How aggressively you want to reduce identified leaks.

Decision Summary

Largest cashflow leak

Food and dining

Estimated monthly waste is $148, with practical saving potential around $96 per month.

Decision index

Healthy

Key metric comparison

Monthly waste estimate$148

Yearly waste estimate$1,776

Saving potential$96

Unassigned cashflow$280

Monthly waste estimate

Healthy

$148

Total spending above practical category thresholds.

Yearly waste estimate

Healthy

$1,776

Annualised version of the monthly leak estimate.

Saving potential

Watch

$96

Estimated monthly saving based on the selected cleanup intensity.

Unassigned cashflow

Watch

$280

Income left after tracked spending and savings.

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Assumptions

Review the assumptions behind the result.

Monthly income is take-home income after tax.
Benchmarks are planning thresholds, not rules for every household.
Savings are treated as positive cashflow protection rather than spending.
Leak estimates are monthly amounts above practical category thresholds.

How To Use The Result

Turn the output into a practical next step.

Use the top leaks to decide where to cut first.
Look for categories with recurring waste before making painful lifestyle cuts.
Export the cleanup report for a household budget review.

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