Leaky Wallet

Free Budget Calculator — Build Your Budget From Real Bank Data

Budgets built on guesses don't work. Upload your bank statement and Leaky Wallet calculates your actual spending per category — the real foundation for a budget that you can actually stick to.

Most budgeting apps require connecting your bank account and trusting them with your login. Leaky Wallet works differently: you export your transactions as CSV or PDF directly from your bank, upload the file, and get your complete budget data in 30 seconds. No connection, no login, no ongoing data sharing.

Build Your Budget From Real Data

Upload your bank statement — instant spending breakdown per category

Calculate My Budget Free

Free · No signup · CSV or PDF · Works with any bank

What the Budget Calculator Shows You

Current spending per category: See exactly what you're spending on housing, food, transport, subscriptions, and more — based on actual transactions
Where you are overspending: Categories with the fastest month-over-month growth are highlighted automatically
Fixed vs variable expenses: Recurring charges (subscriptions, insurance, loan repayments) are separated from variable spending
Hidden costs you forgot to budget for: Annual fees, quarterly charges, and forgotten subscriptions that distort monthly averages
Potential savings by category: Estimated amount recoverable per category if you act on the detected leaks

Frequently Asked Questions

How does this help me build a budget?

Most budgets fail because they're based on guesses. Leaky Wallet shows your actual spending per category, so you can set budget targets that reflect reality — then identify where to reduce.

What's the 50/30/20 rule and does this help with it?

The 50/30/20 rule allocates 50% of income to needs, 30% to wants, and 20% to savings/debt. Leaky Wallet categorizes your spending so you can see how your current split compares to this target.

Can this replace a budgeting app like YNAB or Mint?

For the analysis step — yes, and without requiring account connections. Upload your bank statement and get the same category breakdown. Leaky Wallet specifically focuses on finding and eliminating spending leaks, which most budgeting apps miss.

How often should I run the budget calculator?

Monthly. Export the previous month's statement, upload it, and compare category totals to your budget targets. The month-over-month comparison in the analyzer shows you which categories improved or worsened.

Is this a real budget calculator or just an analyzer?

It's both. The free analysis gives you the data to build or adjust a budget. The Pro report ($1.99) provides a specific 12-week savings plan with recommended spending limits for each category based on your actual patterns.