Money Leaks Finder
A 2-minute money MOT. Answer a few quick questions and see the subscriptions, bills, insurance and loyalty penalties quietly draining your money — plus how much you could claw back each year. Private: everything stays on your device.
Your money MOT
Answer what you can — sensible defaults are filled in so a result shows straight away. The total updates as you go.
Streaming, apps, gym, boxes — anything you pay for but barely touch. We assume ~£9.50/month each.
Out-of-contract deals creep up. Above ~£32/month you're likely overpaying versus the best new-customer prices.
An un-reviewed tariff often isn't the cheapest available. Reviewing it can be worth ~£100/year.
Auto-renewing is the classic loyalty penalty — shopping around saves roughly ~£110 per policy.
Top easy-access rates are near ~4.5%. We estimate lost interest as the gap (4.5% − 2%) on this balance. Enter £0 if your savings already earn a top rate.
SVRs are usually far higher than a new deal. Remortgaging off it can be worth ~£1,200/year — a big, lumpy leak.
Trials that rolled into paid plans and zombie direct debits add up — we estimate ~£60/year.
Where your money is leaking
Email me my savings plan & the steps to fix each leak
Get your personalised checklist — the leaks we spotted, the estimated £/year for each, and the exact step (and tool) to plug it. Free, no spam.
We store your address only to send your savings checklist and occasional money-MOT reminders. Not financial advice.
Fix every leak with a free Keepwise tool
Each leak has a dedicated tool to help you actually plug it.
Renewals Tracker
Track subscriptions, free trials, insurance and contract end dates so nothing auto-renews behind your back.
Subscriptions & renewalsBills Benchmark
See how your broadband, energy and other bills compare to typical UK households.
BillsBroadband Speed Calculator
Work out the speed you actually need so you stop paying for a package you don't use.
BroadbandMortgage Rate Watch
Watch rates and savings deals — escape the SVR and stop your cash losing to inflation.
Mortgage & savingsMOT & Tax Reminder
Car admin reminders — pair with insurance renewal dates so you shop around in good time.
CarHow much money am I wasting? Here's how to find out
Most money doesn't leak out in one dramatic splurge — it drips. A subscription you meant to cancel. A broadband bill that crept up the month your contract quietly ended. An insurance policy that auto-renewed at a price you'd never have agreed to if you'd been asked. Savings sitting in an account paying almost nothing while inflation eats away at them. Individually, none of these feels worth the bother. Added together, they're the difference between feeling stretched and feeling comfortable. The Money Leaks Finder is a fast, friendly audit — a money MOT — that puts a single, motivating number on all of it: the amount you could plausibly claw back over a year if you tackled each leak.
The loyalty penalty: why staying put costs you
The biggest leaks share a cause: the loyalty penalty. For years, insurers, broadband firms and energy suppliers offered their best prices to new customers and quietly charged existing ones more — a practice known as "price walking." Citizens Advice estimated the insurance loyalty penalty alone was costing UK customers in the region of £4.1 billion a year, which led the Financial Conduct Authority to ban the worst of it in home and motor insurance pricing from January 2022. That helped, but loyalty still has a price. Auto-renewal quotes are often higher than the best deal you'd get by shopping around. Broadband and mobile prices typically jump once your minimum term ends. And savings rates on older accounts drift downward while banks launch shiny new ones. The common thread is inertia: providers bank on you not switching, and most of the time they're right.
Where UK households leak the most
Surveys consistently find people underestimate their subscriptions — it's common to be paying £20 to £40 a month for streaming services, apps, gym memberships and subscription boxes that barely get used. Broadband is a reliable offender: stay out of contract and you can pay well above the best new-customer prices for exactly the same line. Energy tariffs that haven't been reviewed in over a year often aren't the cheapest available. Insurance that auto-renews without a comparison check is the textbook loyalty penalty. Lazy savings are a quieter leak — the gap between a typical sub-2% rate and a top easy-access rate near 4.5% is real money you're choosing not to earn. And a mortgage on the standard variable rate is the single largest leak most people can have, because SVRs are usually far above any competitive deal.
How the estimates are calculated
Every figure here is a deliberately conservative rule of thumb. Unused subscriptions are counted at roughly £9.50 a month each. Broadband above about £26 a month is assumed to have headroom down to a competitive deal. An un-reviewed energy tariff is estimated at around £100 a year. Each auto-renewing insurance policy is estimated at about £110 of avoidable loyalty penalty. Lazy savings are calculated as the interest gap — your balance multiplied by the difference between roughly 2% and roughly 4.5%. A standard variable mortgage carries a placeholder potential saving of around £1,200 a year, and suspected free trials or forgotten payments are estimated at around £60 a year. We add these up into one headline. These are illustrative averages, not a forecast of your personal savings — they exist to point you at the right places to check.
Run a 10-minute money MOT
You don't need a spreadsheet or a free afternoon. Set a timer for ten minutes and do five things. One: open your banking or card app and scan the last month for subscriptions and direct debits you don't recognise or don't use. Two: find the end dates of your broadband and mobile contracts. Three: check when your energy and insurance renew, and whether you auto-renewed last time without comparing. Four: look up the interest rate on your savings. Five: confirm whether your mortgage is on a fixed deal or has slipped onto the SVR. Note one action for each — cancel, switch, compare, or move. This finder front-loads that audit and links each leak to the Keepwise tool that helps you act: the Renewals Tracker for subscriptions and renewal dates, the Bills Benchmark and Broadband Speed Calculator for your bills, the Mortgage Rate Watch for your mortgage and savings, and the MOT & Tax Reminder to keep car admin in sync with insurance renewals.
Honesty: estimates, not advice
It would be easy to inflate the headline number — but that wouldn't help you. The point of the Money Leaks Finder is to be a credible nudge, not a sales pitch. The averages are intentionally modest, your real numbers will differ, and nothing here is regulated financial advice. Treat the total as a starting question — "could I be leaking this much?" — and let the linked tools and your own quotes give you the real answer. Plug even half of what you find and most households will be hundreds of pounds a year better off, with nothing more than an afternoon of admin.
FAQ
How much money does the average UK household waste a year?
There's no single official figure, but studies repeatedly put avoidable household waste in the hundreds of pounds. Citizens Advice estimated the insurance loyalty penalty alone cost UK customers around £4.1bn a year before the FCA banned price-walking, and surveys regularly find people spend £20–£40 a month on subscriptions they've forgotten or rarely use. Add an out-of-contract broadband deal, an un-reviewed energy tariff and savings earning near-zero interest, and a typical household can easily be losing several hundred pounds a year. The figures here are illustrative averages to show you where to look, not a precise audit.
What is the loyalty penalty?
The loyalty penalty is the extra you pay for staying put. Insurers, broadband providers and energy suppliers historically charged loyal customers more than new ones, banking on the fact that most people never switch. The FCA banned the worst of it in home and motor insurance pricing from 2022, but loyalty still costs money: auto-renewal quotes are often higher than the best new-customer deal, broadband prices jump once your contract ends, and savings rates on old accounts quietly fall. Shopping around at renewal is the single most reliable way to plug these leaks.
Are these savings figures guaranteed?
No. Every number here is an illustrative estimate based on published UK averages, designed to guide action — not a promise of what you'll save. Your actual saving depends on your provider, your circumstances and the deals available when you switch. Treat the total as a prompt to check each area, then use the linked Keepwise tools and your own quotes to find your real numbers. This is information, not financial advice.
How do I run a 10-minute money MOT?
Set a timer for ten minutes and work through five things: scan the last month for subscriptions you don't use; check the date your broadband and mobile contracts end; find out when your energy and insurance renew and whether you auto-renewed last time; check the interest rate on your savings; and confirm whether your mortgage is on a fixed deal or has slipped onto the standard variable rate. Note one action for each. This finder front-loads that audit and points you to the right tool to fix each leak.
Is my data private?
Yes. Everything you type stays in your browser — the calculation runs entirely on your device and nothing is sent anywhere. If you choose to enter your email for a savings plan, that's the only thing shared, and only so we can send the checklist and tips you asked for.
Where do the savings estimates come from?
They're simple rules of thumb built from public UK averages: roughly £9.50 a month for an unused subscription, a broadband bill above about £26 likely being above the best deals, around £100 a year from reviewing an un-checked energy tariff, around £110 per insurance policy that auto-renews without shopping around, the gap between a typical sub-2% savings rate and a top ~4.5% rate, and the difference between a standard variable mortgage rate and a competitive fix. They're intentionally conservative and illustrative.