AdamChalmers .

Where Is Your $150k+ Income Actually Going?

Most homeowners think they have a "spending problem." They don’t. They have a structure problem. Use this detector to identify your first $300 in "found money" and the $1,000+ mortgage leak draining your future.

Start My Leak Scan

No bank logins required. Judgement-free. Results in 2 minutes.)

Load the sample and click scan to see how it works or load your own one month of transactions in a simple CSV file in format: date, description and amount

The Spending Leak Detector™
SMART MONEY FINANCE

The Spending Leak Detector

Paste one month of transactions and get a calm snapshot of where your money is invisibly leaking — subscriptions, impulse buys, BNPL, and fees — plus how much you can reclaim.

Step 1 · Add Your Transactions

Format: date, description, amount. One transaction per line. Positive = money spent. You can load a sample to see how it works.

Or upload a simple CSV file:

We analyse patterns, not people. This runs locally in your browser — nothing is uploaded or stored.

Judgement-Free Snapshot
See exactly where money leaks — then what to do next.
Waiting for data…
Total Money Lost (Last 30 Days)
$0.00
Total Spent
$0.00
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Healthy vs Leaks
$0 / $0
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Leak Zones
No leaks detected yet. Paste or upload your transactions, then click Scan My Spending.
Patterns We’re Seeing
Once you scan, we’ll highlight a few gentle observations about your spending patterns — no judgement.
Where to Get $500 Back Fast
Your quick reclaim plan will appear here after your spending is analysed.

Next step (after your scan): turn these insights into a simple weekly Money Flow System so surprises don’t knock you over.

Not All Leaks Are Created Equal.

To fix your cash-flow, you need to look at both ends of the scale. This tool scans for the two types of drains currently holding you back:

The Micro-Leaks (The Symptoms): The forgotten subscriptions, the "convenience tax" on last-minute meals, and the BNPL stings that steal $300–$500 a month.

The Mother of All Leaks (The Cause): A "lazy" mortgage rate and scattered high-interest debt that can cost you $10,000 to $20,000 every single year.

3 Steps to Your "Breathing Room" Number.

Input Your Basics: Enter your rough monthly spending (no bank linking needed).

Scan Your Zones: The detector identifies exactly where your income is "vanishing."

Get Your Strategy: See your "Before vs. After" and how much cash-flow you can reclaim this month.

This is the same tool I used to save $1,523 a month.

"I was earning great money but still doing 'mental maths' at the checkout. Once I plugged my spending leaks and fixed my mortgage structure, everything changed. I went from survival mode to building an investment portfolio. Now, I help other families do the same".

Ready to stop the flood?

Once you’ve found your leaks, the next step is plugging them for good. If your detector shows a "Big Leak" in your mortgage or debt structure, let's map out your exit strategy together.

BOOK MY S.M.A.R.T STRATEGY SESSION