NextMoveAI
Money Leak Detector

See where your money is quietly disappearing.

Your car, takeout, subscriptions and everyday habits may be costing you thousands more than you realize. Find your biggest leaks and see what that money could do instead.

Find My Money Leaks Check My Car Cost
✓ No bank connection ✓ Private on your device ✓ Results in minutes
The real cost of a car Illustrative Example
🚘

Advertised monthly cost

$700 car payment

Car payment $700
Insurance $400
Gas and maintenance $250
True monthly cost $1,350
True yearly cost $16,200
Income needed* $108,000/yr

*Based on the common guideline of keeping total car costs to 15% of gross income.

Monthly See what quietly leaves your account
Yearly Understand the full annual impact
Next move See what those dollars could accomplish
Step 1

Build your money-leak snapshot.

Enter your estimated monthly spending. Leave anything that does not apply to you at zero. Your results update instantly.

Your monthly spending

Estimates are fine. You can adjust the numbers anytime.

$
🚘
Car payment Loan or lease payment
$
🛡️
Car insurance Your monthly insurance premium
$
⛽
Gas, tolls and parking Fuel, garages, tolls and parking fees
$
🍽️
Eating out Restaurants, lunch and casual meals
$
🛵
Food delivery Delivery fees, tips and marked-up prices
$
☕
Coffee and snacks Small purchases made throughout the week
$
📺
Subscriptions Streaming, apps, memberships and software
$
🛍️
Impulse shopping Unplanned online and in-store purchases
$
🎉
Nightlife and entertainment Bars, events, clubs and entertainment
$
🎟️
Lottery and gambling Lottery tickets, casinos and betting
$
Additional financial drains
💳
Credit-card interest and fees Interest, late fees and account charges
$
📦
Other recurring spending Anything else that quietly adds up
$
V Veto's money-leak analysis

Your spending snapshot is ready.

Enter your monthly expenses above to see a personalized breakdown and your strongest next move.

100 Leak score
Protected Higher means less income is being lost
Monthly leaks $0 Your combined monthly total
Yearly cost $0 What these expenses cost each year
Five-year cost $0 Before considering investment growth
Recoverable money $0 Based on your selected reduction target

Your biggest money leak

This category is currently taking the largest amount from your monthly cash flow.

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No spending entered $0 per month

Where the money is going

Your largest categories appear first.

Step 2

See what that money could do instead.

Even a partial reduction can help build protection, reduce debt or create long-term wealth.

$
🛟

Emergency fund

$0

Enter an amount to see how quickly you could build a $10,000 safety fund.

💳

Debt reduction

$0

This is how much extra you could send toward debt each year.

📈

Potential investment value

$0

Hypothetical projection based on monthly contributions and your selected estimated return. Not a guarantee of future results.

Car Reality Check

Your car payment is only part of the cost.

Insurance, gas, parking, tolls and maintenance can turn an affordable-looking payment into one of your largest monthly expenses.

Use the complete number. Compare your total transportation cost with your take-home income—not just the advertised car payment.

Calculate your true car cost

Enter your average monthly vehicle expenses.

$
$
$
$
True monthly cost $1,350
True annual cost $16,200
Five-year cost $81,000
Income needed* $108,000/yr

*Based on the common guideline of keeping total car costs to 15% of gross income.

Step 3

Choose a realistic next move.

The goal is not to remove everything you enjoy. It is to make sure your spending matches what matters most to you.

1

Cancel one expense

Remove a subscription, fee or recurring charge you no longer use or value.

2

Reduce your biggest leak

Focus on the largest category first instead of trying to cut every small purchase.

3

Redirect the difference

Automatically send the recovered money toward savings, debt or investing.

Turn your savings into a complete plan.

Use your recovered money to build your personalized NextMoveAI financial blueprint.

Build My Plan
Save Your Results

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Get your money-leak breakdown emailed to you, plus occasional tips from Veto on how to close the gaps you found.

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This tool provides estimates for educational and planning purposes only. Investment projections are hypothetical and do not guarantee future results. Actual costs, returns and financial outcomes may vary.

Veto
Educational guidance only, not financial advice.