Money Leak Scanner
Drag the sliders — your annual money leak updates live. See exactly where your household is overpaying across six categories that quietly drain thousands per year.
Your monthly income
Your monthly spend
Habits (optional)
- 1Credit Card InterestA$432/yr
- 2Investment FeesA$192/yr
- 3Banking FeesA$162/yr
Full 6-category breakdown
How each spending bucket stacks up against healthy benchmarks.
You are paying $15 in monthly banking fees — free-tier accounts are available in every market.· Current: A$15/mo
Subscriptions consume $80/mo — audit tools can typically recover 30–50%.· Current: A$80/mo
Credit-card interest of $60/mo is a classic high-APR leak — balance-transfer cards cut it to 0% for 12–21 months.· Current: A$60/mo
Your insurance spend is below the attention threshold.· Current: A$150/mo
$40/mo in investment fees is a silent drag — low-fee robo-advisors and index ETFs recover most of this.· Current: A$40/mo
Your FX footprint is low enough to ignore.· Current: A$25/mo
How the scoring works
Each of the six categories is scored against market-specific benchmarks (US/UK/CA/AU). A spend that exceeds a healthy ratio of your income — or a habit that signals you haven't shopped around recently — is flagged. Flagged spend is multiplied by a conservative recovery factor to estimate annualised savings.
Privacy-first
IPs are hashed. Email is only stored when you tick the consent box. We never sell data.
60-second scan
No sign-up required for the preview. Unlock the full breakdown with one email.
Frequently asked questions
How does the Money Leak Scanner work?
Drag sliders for your monthly income and spend across six categories (banking fees, subscriptions, credit-card interest, insurance, investment fees, FX) and toggle a few habit questions. Each slider re-scores the result instantly against market-specific benchmarks and estimates how much of your current spend is recoverable. The total is your annual money leak.
Is my data stored or shared?
Your scan inputs are stored anonymously with a hashed IP. Your email is only saved once you explicitly unlock the full report and tick the consent box. We never sell your data and you can unsubscribe any time.
Do I have to give my email to see the results?
No. The full 6-category breakdown, donut chart, and matched product recommendations are visible to everyone without an email. Email is only needed if you want a downloadable PDF report sent to you for later reference.
Are the recommendations affiliate links?
Yes. SmartFinPro earns a commission when you sign up through the partners we suggest. This never affects our scoring: the leak engine runs the same for everyone and commissions only influence the ordering among already-matched partners.
How accurate are the savings estimates?
Estimates are deliberately conservative and based on published benchmarks for each category (e.g. fee drag for investing, average balance-transfer savings for credit-card interest). They are directional, not guaranteed — the point is to show you where the biggest wins are.
Is the scanner available in my country?
Yes — the scanner works in the US, UK, Canada and Australia with market-specific thresholds and compliance labels. If you want results in a different market, switch using the country selector.
Canonical: https://smartfinpro.com/au/tools/money-leak-scanner