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CK

CalcKit

Decision report

Cashflow Leak Detector

Prepared 28 Apr 2026

Decision summary

Cashflow Leak Detector

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

Planning caution

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

Decision index

76of 100

Impulse spending

Largest cashflow leak

Key figures

Monthly waste estimate

$412

Yearly waste estimate

$4,944

Saving potential

$268

Unassigned cashflow

-$530

Findings snapshot

What deserves attention first

These signals are the strongest points to review before relying on the result.

1

1. Impulse spending: around $240 above the benchmark.

2

2. Food and dining: around $138 above the benchmark.

3

3. Subscriptions: around $34 above the benchmark.

Status mix

Metric health

Green is healthier, yellow needs monitoring, and red needs action.

Healthy 0Watch 3Action 1
CK

CalcKit

Decision report

Cashflow Leak Detector

Prepared 28 Apr 2026

Metric dashboard

Relative strength of the main numbers

These bars compare the largest numeric signals in this report. Each value keeps its own unit, so use the chart as a visual guide rather than a like-for-like financial comparison.

Monthly waste estimate

$412
Watch

Yearly waste estimate

$4,944
Watch

Saving potential

$268
Watch

Unassigned cashflow

-$530
Action
CK

CalcKit

Decision report

Cashflow Leak Detector

Prepared 28 Apr 2026

Metric notes

What each result means

Each row explains the result in practical language and highlights whether it is healthy, worth watching, or needs action.

Monthly waste estimate

$412Watch

Total spending above practical category thresholds. This is one of the main numbers behind the result. Against the other key figures in this report, it is marked watch.

Yearly waste estimate

$4,944Watch

Annualised version of the monthly leak estimate. This is one of the main numbers behind the result. Against the other key figures in this report, it is marked watch.

Saving potential

$268Watch

Estimated monthly saving based on the selected cleanup intensity. This estimates the benefit if the entered plan is followed. Against the other key figures in this report, it is marked watch.

Unassigned cashflow

-$530Action

Income left after tracked spending and savings. This is the money left after the main commitments. A larger buffer usually means a safer plan. Against the other key figures in this report, it is marked action.

CK

CalcKit

Decision report

Cashflow Leak Detector

Prepared 28 Apr 2026

Findings

Plain-English interpretation

These findings translate the numbers into decision points.

1

1. Impulse spending: around $240 above the benchmark.

2

2. Food and dining: around $138 above the benchmark.

3

3. Subscriptions: around $34 above the benchmark.

4

4. Fixed expenses: no material leak detected.

5

5. Transport: no material leak detected.

CK

CalcKit

Decision report

Cashflow Leak Detector

Prepared 28 Apr 2026

Action plan

What to do next

Recommended actions are based on the strongest signals in the result. Use them to decide what to check, change, or confirm.

Action 1

Reduce pressure before committing

Medium
What it means
1. Impulse spending: around $240 above the benchmark. Read this together with Monthly waste estimate ($412) to see what is driving the result.
Why it matters
Total spending above practical category thresholds. This is one of the main numbers behind the result.
Next step
Check one more conservative scenario, confirm the real figures, then decide whether to proceed, adjust the amount, or pause.
Metric evidence
Monthly waste estimate: $412; Yearly waste estimate: $4,944; Saving potential: $268

Action 2

Reduce pressure before committing

Medium
What it means
2. Food and dining: around $138 above the benchmark. Read this together with Yearly waste estimate ($4,944) to see what is driving the result.
Why it matters
Annualised version of the monthly leak estimate. This is one of the main numbers behind the result.
Next step
Check one more conservative scenario, confirm the real figures, then decide whether to proceed, adjust the amount, or pause.
Metric evidence
Monthly waste estimate: $412; Yearly waste estimate: $4,944; Saving potential: $268

Action 3

Reduce pressure before committing

Medium
What it means
3. Subscriptions: around $34 above the benchmark. Read this together with Saving potential ($268) to see what is driving the result.
Why it matters
Estimated monthly saving based on the selected cleanup intensity. This estimates the benefit if the entered plan is followed.
Next step
Check one more conservative scenario, confirm the real figures, then decide whether to proceed, adjust the amount, or pause.
Metric evidence
Monthly waste estimate: $412; Yearly waste estimate: $4,944; Saving potential: $268

Action 4

Review decision signal 4

Monitor
What it means
4. Fixed expenses: no material leak detected. Read this together with Unassigned cashflow (-$530) to see what is driving the result.
Why it matters
Income left after tracked spending and savings. This is the money left after the main commitments. A larger buffer usually means a safer plan.
Next step
Check one more conservative scenario, confirm the real figures, then decide whether to proceed, adjust the amount, or pause.
Metric evidence
Monthly waste estimate: $412; Yearly waste estimate: $4,944; Saving potential: $268

Action 5

Review decision signal 5

Monitor
What it means
5. Transport: no material leak detected. Read this together with Monthly waste estimate ($412) to see what is driving the result.
Why it matters
Total spending above practical category thresholds. This is one of the main numbers behind the result.
Next step
Check one more conservative scenario, confirm the real figures, then decide whether to proceed, adjust the amount, or pause.
Metric evidence
Monthly waste estimate: $412; Yearly waste estimate: $4,944; Saving potential: $268
CK

CalcKit

Decision report

Cashflow Leak Detector

Prepared 28 Apr 2026

Scenario inputs

Values used in the calculation

These inputs are the basis of the report. If any value changes, regenerate the report before relying on the result.

Monthly take-home income

Monthly income after tax.$8,200

Fixed expenses

Rent/mortgage, utilities, insurance, and recurring essentials.$3,900

Subscriptions

Streaming, apps, memberships, and recurring tools.$280

Food and dining

Groceries, takeaway, coffee, and restaurants.$1,450

Transport

Fuel, public transport, rideshare, parking, and car costs.$850

Debt payments

Debt repayments excluding mortgage or rent.$900

Impulse spending

Unplanned shopping, upgrades, and discretionary extras.$650

Savings

Monthly amount saved or invested.$700

Cleanup intensity

How aggressively you want to reduce identified leaks.Realistic

Assumptions

How to read 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.

Professional note

Before acting

This report is a decision-support summary based on the assumptions entered. It is not financial, tax, lending, or legal advice. Confirm product terms, fees, tax treatment, and policy settings before making a financial commitment.

CK

CalcKit

Decision report

Cashflow Leak Detector

Prepared 28 Apr 2026

Terms explained

Key terms used in this report

These definitions explain finance terms and strategies that appear in the result.

After-tax return

The expected investment return after tax is considered. It is usually more useful than the headline return when comparing investing with paying down debt.

BAS

Business Activity Statement. Australian businesses use it to report GST and other obligations to the ATO.