Cash Flow Analyzer — See Your Real Money In vs Money Out
Cash flow is the difference between what comes into your account and what goes out. When spending consistently outpaces income — even slightly — savings never build and you're always waiting for the next paycheck.
Upload your bank statement to see your exact cash flow picture: income by source, spending by category, recurring charges that commit your future income, and the net position across each month.
Analyze Your Cash Flow
Upload your bank statement to see your real money in vs money out — and where it goes.
Analyze My Cash FlowFree · No signup · Works with any bank
What Cash Flow Analysis Reveals
Income patterns
Salary, freelance, rental income — all sources with timing
Fixed outflows
Rent, loan repayments, subscriptions — committed spending that can't easily change
Variable outflows
Dining, shopping, transport — spending you control month to month
Subscription burden
What percentage of monthly cash flow is committed to recurring charges
Seasonal spikes
Annual subscriptions, insurance renewals, and holiday spending that hit at certain times
Net monthly position
The gap between what you earned and what you spent each month
How to Analyze Your Cash Flow
- 1Upload 3+ months of statements. Multiple months reveal patterns that a single month hides — upload up to 12 files at once.
- 2See income vs spending. The analyzer separates credits (income) from debits (spending) and shows the net position for each month.
- 3Identify the committed spending. Subscriptions and fixed charges that run every month represent committed future cash flow — review and cancel the unnecessary ones.
- 4Find the months where cash flow turns negative. Identify the categories driving overspending and set limits before the next month.
Frequently Asked Questions
What is cash flow in personal finance?
Personal cash flow is the difference between money coming into your account (income, transfers in) and money going out (bills, spending, subscriptions). Positive cash flow means you're saving; negative means you're spending more than you earn.
How do I improve my personal cash flow?
The fastest improvements come from reducing committed outflows — cancelling subscriptions you don't use, eliminating avoidable fees, and reducing recurring charges. These improve cash flow immediately without requiring behavior changes.
How do I calculate my monthly cash flow?
Upload your bank statement to Leaky Wallet. The analyzer automatically separates income and spending, calculates the net position for each month, and shows which categories are consuming the most cash.
Why is my cash flow always negative?
The most common causes are: subscriptions consuming more than budgeted (often 2–3x what people estimate), dining and delivery spending that's crept up, and irregular expenses (annual fees, insurance) that disrupt the monthly budget when they hit.