Leaky Wallet

Free Personal Finance Tracker — No App, No Subscription, No Bank Login

Most personal finance trackers ask you to connect your bank account and pay a monthly fee. Leaky Wallet is different: upload your bank statement once and get your complete personal finance picture in 30 seconds — free, private, and no ongoing commitment.

The analysis covers everything: where your money is going by category, every hidden subscription, all bank fees, your biggest spending merchants, and a ranked list of actions to improve your finances immediately.

Track Your Personal Finances Now

Upload your bank statement — full financial picture in 30 seconds

Analyze My Finances Free

Free · No app · No bank login · CSV or PDF from any bank

Everything You Get

Spending breakdown by category: Every dollar categorized — groceries, dining, transport, subscriptions, fees, entertainment, and more
Hidden subscription audit: Every recurring charge surfaced: monthly, quarterly, and annual. With total yearly cost.
Month-over-month trends: See which categories grew or fell vs your previous month — spot problems early
Bank fee analysis: Every bank fee identified and totaled — many are avoidable or negotiable
Top merchant breakdown: See exactly which companies are getting the most of your money
Money leak estimate: Your estimated monthly leak — the recoverable amount you're losing to forgotten or unused charges
Easy wins list: Ranked list of specific actions to improve your finances this week
Pro savings plan: Unlock a personalized 12-week financial recovery roadmap for $1.99

Frequently Asked Questions

What is a personal finance tracker?

A personal finance tracker gives you a clear picture of your income, spending, and savings. Leaky Wallet focuses on the spending side — analyzing your bank statement to show exactly where your money goes and where you're losing it unnecessarily.

Do I need to connect my bank account?

No. Leaky Wallet works from an exported bank statement (CSV or PDF). You download the file from your bank's website and upload it here. No account connection, no login credentials shared.

How is this different from apps like Mint, YNAB, or Emma?

Those apps require ongoing bank connections and charge subscription fees. Leaky Wallet is one-time: upload your statement, get your analysis. It specifically focuses on finding and eliminating spending leaks rather than ongoing budget management.

Does it track investments or net worth?

Not currently. Leaky Wallet focuses on transaction-level spending analysis — finding where your money is going and where you're losing it unnecessarily. Investment tracking is not included.

Is it safe to upload my bank statement?

Yes. Your statement is processed in memory on our servers and immediately discarded. We never store your financial data, never sell it, and have no persistent access to it after analysis.

Can I use this for personal budgeting?

Absolutely. The category breakdown is the foundation for any budget. See what you're actually spending, identify where you're over-budget, and use the savings plan to set targets for the next month.