Subscription drift
Renewals, duplicate services and plans that grew while you weren’t looking.
A PRIVATE SPENDING DIAGNOSTIC
Your money has a pulse.
Let’s read it.
A five-minute checkup that spots silent cost pressure, estimates your recovery range, and turns it into a practical next move.
- ⌁No bank connection
- ○No account
- ◇Your numbers stay on this device
LIVE DIAGNOSTICSC—01
71/100
Where could your money be leaking?
Answer five focused questions. We calculate locally and never send your numbers anywhere.
MONTHLY OUTFLOW€2,840AVG
POTENTIAL RECOVERY€168 / mo↘ 5.9%
CHECKUP SCORE71 / 100+12
THE QUIET LEAKS
Not a budget. A diagnostic.
Most tools ask you to track more. SpendCheckup asks better questions, then shows where action is most likely to pay back.
Convenience premium
Small, repeated choices that feel harmless but compound across a year.
Price creep
Utilities, insurance and providers that quietly moved above the market.
Invisible friction
Fees, habits and overlapping costs hiding between ordinary categories.
SPENDCHECKUP / 01
Take your first SpendCheckup
No login. No judgement. Just a clearer view of the next best move.
01 — BASELINE
Roughly how much leaves your household each month?
Include housing, bills, food, transport, subscriptions and flexible spending.
$
THREE MOVES, NOT THIRTY CHARTS
Clarity that ends in action.
Map
A few high-signal questions create a picture without demanding bank access.
Diagnose
We rank the pressure points and estimate a realistic recovery range.
Act
You get the first three actions in the order most likely to matter.
LOCAL100%PRIVATE BY DEFAULT
PRIVACY IS THE PRODUCT
Your financial life stays yours.
The first checkup runs entirely in your browser. We do not connect to a bank, create a shadow profile, or sell behavioral data. If we add optional accounts later, privacy will remain the default—not an upgrade.
You don’t need another dashboard. You need to know what to do next.
FAQ
Straight answers
Is the estimate exact?+
No. It is a directional range designed to reveal whether a deeper review is worth your time.
Do you see my numbers?+
No. In this version, the checkup is calculated on your device and your answers are not submitted.
Is this financial advice?+
No. SpendCheckup is an educational diagnostic and does not replace a qualified financial adviser.
Why only five questions?+
Because completion matters. The first checkup uses high-signal questions; deeper modules can follow only where useful.