Free Monthly Expense Calculator — Real Numbers From Your Bank Statement
Most expense calculators ask you to guess. Leaky Wallet reads your actual bank statement and calculates exactly what you spent last month — by category, by merchant, and by trend. Upload once, get your full expense breakdown in 30 seconds.
The average person underestimates their monthly expenses by 20–40%. Subscriptions, small recurring fees, and dining expenses are the most common blind spots. Real data from your bank statement eliminates the guesswork entirely.
Calculate Your Real Monthly Expenses
Upload your bank statement — instant breakdown, completely free
Calculate My Expenses FreeFree · No signup · CSV or PDF · Works with any bank
Expense Categories Tracked Automatically
How to Calculate Your Monthly Expenses
- 1Export last month's transactions from your bank as CSV or PDF
- 2Upload the file to Leaky Wallet — no account required, data never stored
- 3See your full expense breakdown: category totals, top merchants, recurring charges
- 4Use the numbers to set a realistic budget — or unlock the Pro report for a personalized savings plan
Frequently Asked Questions
How is this different from a manual expense calculator?
Manual calculators require you to remember and enter every expense. Leaky Wallet reads your actual bank transactions, so nothing gets missed — including the small recurring charges you've forgotten about.
What categories does the expense calculator use?
The analyzer automatically categorizes spending into: housing, groceries, dining, transport, entertainment, subscriptions, health, shopping, insurance, fees, and more. You see both category totals and the individual transactions within each.
How accurate is the expense breakdown?
Very accurate — it uses your real transactions, not estimates. The only limitation is the date range of the statement you upload. A 90-day statement gives a reliable monthly average.
Can I use this to calculate expenses for a budget?
Yes. The category totals are the perfect starting point for a budget — they show your current actual spending in each area so you can set realistic targets. The Pro report includes suggested spending limits per category based on your income and spending patterns.
What file formats are accepted?
CSV and PDF bank statements from any bank. Export from your bank's website (ANZ, CommBank, Westpac, NAB, Chase, Barclays, HSBC, etc.) and upload directly.