Recurring subscriptions
Netflix, Spotify, ChatGPT, cloud storage…
Money forensics lab
Monthly Money Leak Calculator
Find the quiet drain on your bank account before it empties your savings goal.
Estimate how much money quietly leaks every month through subscriptions, food delivery, impulse shopping, bank fees, unused memberships, UPI AutoPay, and small repeat expenses.
No login requiredWorks manuallyBuilt for Indian recurring expenses
Leak scan
Common monthly leaks
SubscriptionsOTT, apps, tools
Food deliveryswiggy, zomato, chai
Impulse shoppingquick buys, deals
Convenience feesdelivery, platform
Bank chargesATM, annual, late
Unused membershipsgym, clubs, OTT
Miscellaneousmicro-leaks, tips
Food delivery / month
₹3,000–6,000
Small recurring leaks become invisible until you total them up.
OTT + app subscriptions
₹800–2,500
Small recurring leaks become invisible until you total them up.
Convenience fees / month
₹300–900
Small recurring leaks become invisible until you total them up.
Manual audit
Where your salary disappears
Enter an approximate monthly amount for each category. Be honest — estimates are fine. This tool is judgment-free and runs only in your browser.
Food delivery / eating out
Swiggy, Zomato, chai, office lunch…
Shopping / impulse buys
Quick deals, apps, gadgets, fashion…
Convenience / delivery fees
Platform fees, delivery, packaging…
Bank / card charges
ATM fees, annual card charges, late fees…
Unused memberships
Gym, clubs, apps you stopped using…
Miscellaneous leaks
Micro-tips, donations, forgotten debits…
Add at least one amount to reveal your leak score.
Related tools
Keep the momentum going with these forensic money tools.
Subscription Leak DetectorFind hidden subscriptions draining your account.Open toolAI Money Leak ReportGet a full AI audit with cancellation priorities.Open toolBudget PlannerBuild a 30-day savings plan from your leaks.Open toolSalary Burn RateSee how fast your salary disappears every month.Open tool
Frequently asked questions
A ₹2,000 monthly leak becomes ₹24,000 yearly. Over 5 years, that is ₹1.2 lakh — enough for an emergency fund or a SIP.
Essara helps you organize and review recurring expenses. It is not financial advice and does not cancel services on your behalf.
FAQ
Money leak questions, answered plainly.
What is a money leak?
A money leak is spending that leaves your account repeatedly without adding real value. It includes forgotten subscriptions, unused memberships, impulse app purchases, convenience fees, and autopay debits you stopped tracking.
How do I find where my money is going?
Check your last 60 days of UPI history, card statements, and wallet transactions. Look for repeat merchants, app-store charges, food delivery, shopping, and any debit labeled “AutoPay” or “mandate.”
Should I start with budgeting or leak detection?
Start with leak detection. Budgeting works better when you have already removed the noise. Plugging leaks first gives you instant free cash, which makes every budget easier to follow.
How much can I realistically save in 30 days?
Most people can recover 20–40% of their identified leaks in the first month by cancelling unused subscriptions, reducing food delivery frequency, and pausing impulse shopping.
Is this financial advice?
No. This calculator is an educational tool to help you review your own spending. For personalized financial advice, speak with a SEBI-registered investment advisor.