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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$3,900

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

Subscriptions$280

Streaming, apps, memberships, and recurring tools.

Food and dining$1,450

Groceries, takeaway, coffee, and restaurants.

Transport$850

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

Debt payments$900

Debt repayments excluding mortgage or rent.

Impulse spending$650

Unplanned shopping, upgrades, and discretionary extras.

Savings$700

Monthly amount saved or invested.

Cleanup intensityRealistic

How aggressively you want to reduce identified leaks.

Decision Summary

Largest cashflow leak

Impulse spending

Estimated monthly waste is $412, with practical saving potential around $268 per month.

Tracked spending is higher than income after savings. The budget needs immediate cleanup or a savings adjustment.

Decision index

Watch

Key metric comparison

Monthly waste estimate$412

Yearly waste estimate$4,944

Saving potential$268

Unassigned cashflow-$530

Monthly waste estimate

Watch

$412

Total spending above practical category thresholds.

Yearly waste estimate

Action

$4,944

Annualised version of the monthly leak estimate.

Saving potential

Healthy

$268

Estimated monthly saving based on the selected cleanup intensity.

Unassigned cashflow

Action

-$530

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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