Spending Insights — Deep Analysis of Where Your Money Goes
Surface-level spending summaries tell you what you spent. Spending insights tell you why — which categories are growing, which merchants are your biggest expenses, where habits have changed, and what your spending patterns predict about your financial health.
Leaky Wallet goes beyond basic categorization to surface patterns in your bank statement that would take hours to find manually: subscription creep, dining frequency changes, month-over-month category shifts, and specific merchants driving most of your spending.
Get Your Spending Insights
Upload your bank statement for a deep analysis of your spending patterns.
Get My Spending InsightsFree · No signup · Works with any bank
Insights Available From Your Bank Statement
Category trends over time
Which spending categories grew or shrank each month — and by how much
Top merchants by spend
The 10 merchants getting most of your money — often surprising
Subscription creep detection
New subscriptions that appeared since your last analysis
Price change alerts
Services that increased their charge without sending a notification
Spending velocity
How quickly different categories deplete your monthly budget
Financial health score
How your spending ratios compare to recommended benchmarks
How to Get Spending Insights
- 1Export your bank statement. For the best insights, download 90+ days of transactions from your bank's website as CSV or PDF.
- 2Upload to the analyzer. The AI processes every transaction and surfaces patterns across your full date range.
- 3Review your insights dashboard. See category trends, top merchants, subscription changes, and your financial health score.
- 4Act on the recommendations. The AI generates specific actions: subscriptions to cancel, categories to reduce, and projected savings from each.
Frequently Asked Questions
What spending insights can I get from my bank statement?
Leaky Wallet surfaces: spending by category with month-over-month trends, top merchants by total spend, all subscription and recurring charges with price changes flagged, financial health score against benchmarks, and a personalized savings action plan.
How do I analyze my spending habits?
Upload your bank statement (CSV or PDF) to Leaky Wallet. The AI analyzes every transaction across your date range and surfaces patterns — including habits you didn't know you had, like how often you use delivery apps or how much dining spending has grown.
What is a financial health score?
A financial health score rates your spending patterns against recommended benchmarks: what percentage of income goes to needs vs wants vs savings, whether subscription spending is in a healthy range, and whether your month-over-month spending is stable or growing.
How often should I review my spending insights?
Monthly is ideal — upload each month's statement to track category trends. Quarterly is the minimum for catching subscription creep and price increases. Annual reviews reveal lifestyle inflation patterns that are hard to spot month-to-month.