03 · The honest part
Where the variable spending really goes.
Twelve months of history per line, plus a target. The diff is your leak.
Highlighting Jan 2026
Jan 2026 / Year variable total
£1,788/£22,111
What is the Target column?
Your Target is the monthly cap you're aiming to spend on each line. We auto-set it to roughly 20% below your average so you have a realistic stretch goal — edit any cell to set your own. Anything you spend above the target becomes a leak you can fix.
Food & Groceries
Avg
£485
Target
£388
Leak
£97
| Item | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Target | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto | ||
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto | ||
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto |
Travel & Commute
Avg
£173
Target
£138
Leak
£35
| Item | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Target | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto | ||
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto | ||
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto |
Holiday & Trips
Avg
£400
Target
£320
Leak
£80
| Item | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Target | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto | ||
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto |
Beauty & Personal
Avg
£125
Target
£100
Leak
£25
| Item | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Target | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto | ||
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto |
Loans & Debt
Avg
£215
Target
£172
Leak
£43
| Item | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Target | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto | ||
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto |
Savings & Goals
Avg
£180
Target
£144
Leak
£36
| Item | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Target | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto | ||
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto |
Investing
Avg
£230
Target
£184
Leak
£46
| Item | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Target | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto | ||
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto |
Family & Gifts
Avg
£73
Target
£87
Leak
£0
| Item | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Target | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto | ||
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto |
Miscellaneous
Avg
£0
Target
£0
Leak
£0
| Item | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Target | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto |
Total variable (avg/mo)
£2,176
Total target (mo)
£1,769
Combined leak
£421
Variable
£2,176
Target
£1,769
Leak
£421
Step 4 of 5 · Next
See your leaks
We'll show where you spent more than the targets you set.
Help others trust this
Be the first voice others hear.
One honest review from you could be the reason someone else finally takes control of their money.
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