Free Financial Health Check — Get Your Score in 30 Seconds
A financial health check isn't about your credit score — it's about understanding your spending habits, identifying what's draining your account unnecessarily, and knowing your realistic savings potential. Upload your bank statement and get an honest picture instantly.
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Check My Financial HealthFree · No signup · CSV or PDF · Any bank
Signs of a Financially Healthy Spending Pattern
| Health Signal | Healthy | Common Reality |
|---|---|---|
| Subscription-to-income ratio | Under 5% of take-home pay | Most people with 5+ subscriptions exceed this |
| Bank fee burden | Under $10/month total fees | Average bank customer pays $12–$35/month |
| Spending category balance | No single discretionary category over 20% | Dining and entertainment often spike unnoticed |
| Recurring charge awareness | Can name every subscription and its cost | Most people undercount their subscriptions by 3–5 |
| Month-over-month stability | Spending within 10% of previous month | Lifestyle creep pushes spending up 3–5% every quarter |
What the Analysis Includes
- Complete spending breakdown by category
- Every subscription and recurring charge — monthly and annual cost
- Bank fee total and which fees are avoidable
- Month-over-month spending trends
- Analysis-confidence indicator showing what we could and could not verify (Pro report)
- Evidence-linked next steps and a savings scenario you control (Pro report)
Frequently Asked Questions
What is a financial health check?
A financial health check gives you an honest picture of your current financial habits — specifically where your money goes, whether you're carrying unnecessary costs, and what your realistic savings potential is. Leaky Wallet does this automatically from your bank statement.
Does the report give me a financial health score?
No. A score built from a partial bank statement would imply more than the data supports. The Pro report shows an analysis-confidence indicator instead: how much of your statement we could read, categorise and verify, with each component visible.
What does analysis confidence mean?
It describes the data, not you. "Good" means most dates, payees and categories were identified and totals reconciled; "Limited" means much of the statement could not be identified, so conclusions are held back and the report lists what to check.
How often should I do a financial health check?
Quarterly is ideal. Upload your previous quarter's bank statement each time. The changes between quarters reveal whether your financial habits are improving or drifting.
Does a financial health check include my savings rate?
The analysis covers your spending side — where money goes and what's recoverable. For a complete picture including savings rate, you'd combine this analysis with your savings account deposits. The Pro report includes a recommended savings target based on your spending patterns.