Coffee shop habit
$5.75 x 5 weekly equals $1,495 a year.
Plan
Models cutting the habit roughly in half.
Annual cost$1,495
Recoverable$748
Monthly impact$125
WireNorth Tools
Money Leak Finder
Add subscriptions, coffee runs, delivery fees, small habits, and quiet recurring charges. See what they cost per year and what a realistic cleanup could put back into your budget.
Privacy first
This calculator runs in your browser. It does not require a login, does not connect to bank accounts, and does not store your financial details.
Your scan
$1,588 could be recovered this year.
The tool separates total spending from realistic recovery. Canceling, downgrading, reducing, auditing, and keeping each item all use different assumptions.
The average American household spends $219/month on subscriptions — most underestimate this by 2.5× (C+R Research, 2024).
Total tracked
$3,251
$271 per month
Recoverable
$1,588
$132 per month
Emergency runway
0.5 mo
At $3,200 essentials
Goal timing
8 mo
For a $1,000 goal
1. Quick start
Pick a common leak or add your own
Use the chips below to build a realistic example in seconds.
What would you likely do?
Preview: This item would cost $144 per year.
2. Review the plan
Your leak list
Delivery fees and tips
$9.50 x 2 weekly equals $988 a year.
Plan
Models cutting the habit roughly in half.
Annual cost$988
Recoverable$494
Monthly impact$82
Streaming bundle overlap
$18.00 x 3 monthly equals $648 a year.
Plan
Models a cheaper plan or smaller package.
Annual cost$648
Recoverable$227
Monthly impact$54
Forgotten app subscription
$9.99 x 1 monthly equals $120 a year.
Plan
Counts the whole item as recoverable.
Annual cost$120
Recoverable$120
Monthly impact$10
A practical audit rhythm
Review recurring charges once a month, check free-trial dates before entering card details, and keep a short cancellation note for anything you decide to remove.
Why this tool exists
The CFPB's financial empowerment toolkit includes spending trackers, bill calendars, cash-flow budgets, and debt tools because small decisions compound into real financial pressure.
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Why subscriptions matter
The FTC warns that free trials, auto-renewals, and negative-option subscriptions can create recurring charges people did not intend to keep.
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What this is not
This is an educational worksheet, not financial, legal, tax, or investment advice. Use it to organize your own decisions and verify terms directly with each provider.
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Frequently asked questions
What is a money leak?
A money leak is a recurring expense or small habit that drains your budget over time without you realizing the total annual cost. Common leaks include unused streaming subscriptions, auto-renewals you forgot to cancel, daily coffee shop runs, and overlapping app charges.
How do I find subscriptions I forgot about?
The fastest way is to review your last 3 months of bank and credit card statements. Look for identical charges that appear on the same day each month or year. You can also check the 'Subscriptions' section in your Apple ID or Google Play account, as well as third-party payment providers like PayPal.
Does canceling subscriptions actually save money?
Yes, but the impact depends on what you do with the freed cash flow. If you cancel $100/month in unused subscriptions and automatically redirect that money to an emergency fund or debt payoff, the mathematical impact is guaranteed. If the money just stays in checking, it usually gets absorbed by lifestyle inflation.
Is this calculator safe to use?
Yes. The WireNorth Money Leak Finder runs entirely locally in your browser. It does not connect to your bank, requires no login, and we do not store any of the numbers you enter. It is simply a private worksheet for your own educational use.