Free interactive tool

Find the Money Quietly Leaking From Your Household

Estimate subscriptions, duplicate charges, missing refunds, fees, renewals, and bill increases worth investigating—without uploading a statement or connecting an account.

August 18, 20265 min read

Monthly money audit

Four places to look first

Recurring charge$14.99/mo

Duplicate charge$48.20

Refund due$72.00

Renewal deadline4 days

Your private audit

Enter only the amounts you want to investigate.

Estimates stay in this browser. Nothing is uploaded, connected, or stored.

Browser only

Subscriptions you may not use

Check bank accounts, cards, Apple, Google, email receipts, and direct billing.

Monthly total worth reviewing$/ month

Possible duplicate charges

Count posted transactions only; a pending authorization may still disappear.

Total posted amount to verify$one time

Refunds that have not arrived

Use the original payment method and ask the merchant for a trace or reference number.

Promised amount still missing$one time

Recurring bills that increased

Compare phone, internet, insurance, and other bills with earlier statements.

Monthly increase to investigate$/ month

Bank and account fees

Include overdraft, maintenance, late, transfer, and avoidable service fees.

Fees in a typical month$/ month

Upcoming annual renewals

Add renewals or trials that should get a decision before the charge date.

Annual total to reconsider$/ year

Add one amount to build your action list.

Methodology

A triage estimate—not a savings promise.

Monthly entries are multiplied by twelve. One-time entries are added once. The total intentionally describes money to investigate because a suspicious amount may be valid, unrecoverable, already refunded, or worth keeping.

Verify pending versus posted status, keep receipts and refund confirmations, and follow merchant or issuer deadlines. Credit and debit protections can differ.

Compass+ does not receive these entries. The calculator runs entirely in your browser and resets when you refresh or leave the page.

What the number includes

Monthly amounts × 12
One-time amounts × 1
No interest or inflation assumptions
No claim that every amount is recoverable

Sources

Keep checking the places money hides

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Cash timing

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Separate your visible balance from bills, pending charges, essentials, and a buffer.

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Let Compass keep looking for what you might miss.

Compass+ currently uses read-only bank access to see balances and transactions. Broader connections and proactive money-finding workflows are still being built.

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