Discover hidden spending

Small expenses feel like nothing, but they add up fast. Enter roughly what you spend and brace yourself (a little).

Coffee on the go per week

Lunch out per week

Snacks and sweets per week

Smoking / vaping per week

Food delivery per month

Lotteries per month

Impulse purchases per month

Bank and service fees per month

Small expenses, big difference

Hidden spending consists of amounts that feel too small to count: coffee on the go, a delivered meal, snacks at the petrol station. Precisely because they're small, they happen often without you noticing - and €4 of coffee per working day is over €80 per month.

The goal is not to cut everything. The goal is knowing where your money goes, so you choose what it's worth to you. People who know their hidden spending usually find €50 to €150 per month that can go to saving or paying off debt without it hurting.

Frequently asked questions

What is hidden spending?

Small, recurring expenses you don't see as a cost item: coffee out, food delivery, impulse purchases, bank fees. Negligible per occasion, often hundreds to thousands of euros per year.

How do I get my hidden spending in view?

Go through one month of card transactions and add up everything under €10. Or fill in this tool with an honest estimate - it usually comes close.

Should I cut all of these expenses?

No. Choose deliberately: keep what genuinely gives you pleasure and cut what happens out of habit. Changing one or two habits often already saves tens of euros per month.

All results are indicative and not financial advice.