Rule library — August 2026 · Free tool · No email needed
Money Leak Calculator
Four questions. One number.
This is the free half of what ClaimPilot does. It tests 4 of the 31 Checks in the rule library against your circumstances and gives you an estimated range, with the source of every figure named below.
Nothing is stored, nothing is sent, and there is no email box until after you have your number. Every figure was last verified on 26 August 2026.
Are you married or in a civil partnership?
Marriage Allowance only works if one of you earns under the £12,570 Personal Allowance and the other is a basic-rate taxpayer.
How long has your broadband been out of contract?
Ofcom found in-contract customers pay £7–£9 a month less than out-of-contract customers. Leave it at 0 if you are still inside your contract.
If you pay 40% tax, what goes into a personal pension each month?
The amount that leaves your own bank account, not your employer's contribution and not a salary-sacrifice scheme. Leave it at 0 if neither applies.
What do you pay each month for things you have stopped using?
Subscriptions you have not opened in 3 months. Your figure, not ours — we have no honest way to guess it.
Estimated, on 4 of 31 Checks
£0
Answer anything above and the number appears here. Nothing is sent anywhere and no email is needed.
The Scan covers all 31 Checks
It is not open yet. Leave an address and we will write once, on the day it is, with your figures still attached to nothing but this email.
Send it to someone
The link carries your answers so the page opens on the same number. Nothing identifying is in it.
Every figure on this page was last verified on 26 August 2026. The sources are listed below, in full.
Sources
Every number above, and where it comes from
Marriage Allowance is worth £252 a year
It transfers £1,260 of Personal Allowance. Claims can be backdated to 6 April 2022, which is 4 earlier tax years.
GOV.UK — Marriage AllowanceIn-contract broadband customers pay £7–£9 a month less
Ofcom also reports that 28% of broadband customers are out of contract at any time.
Ofcom — pricing trends, June 2026A 40% taxpayer can reclaim a further 20% of a pension contribution
On a relief-at-source pension the scheme claims 20% for you; the rest is claimed through Self Assessment or by writing to HMRC. A 45% taxpayer reclaims 25%. HMRC allows 4 years from the end of the tax year.
GOV.UK — tax on your private pension27% of resolved council tax band challenges lowered the band
Of 39,590 resolved cases in the year to March 2024, 65% saw no change and 30 cases went up. This calculator does not estimate council tax, because we will not publish a £ figure we cannot source.
VOA — council tax challenges, year to March 2024Subscriptions you no longer use: your figure, not ours
UK Government consultation data puts roughly 10 million of 155 million UK subscriptions as unwanted, costing £1.6bn a year in total. That is a national number, so it cannot tell us anything about your household. We ask you instead.
Department for Business and Trade consultation data
A Check with no source, or one last verified more than 180 days ago, is not shown to anyone. That rule applies to this page too.
The other 27 Checks are the reason the Scan exists.
Council tax bands, energy credit balances, water meters, matured Child Trust Funds, lost pension pots, Delay Repay, Section 75. Four questions cannot reach them. Fourteen can.