Comparison · both free
Paycheck Allocator vs Subscription Leak Finder
The short answer
The Subscription Leak Finder looks backwards at statements to find recurring charges worth cancelling. The Paycheck Allocator looks forward and splits the money that just arrived. Find the leaks once, then allocate every payday.
Paycheck Allocator
Enter the paycheck and the bills you listed. Get a split across obligations, a buffer, and goals, using your numbers only.
- You paste
- List the check and the bills. Use the net amount and the bills that this check is supposed to cover. Say which bills are already handled. Leave account numbers out.
- You get
- Refused. No second buffer, no investment tip, no suggestion to delay rent. Rent is noted as a next-check problem.
- When to use it
- Use it on payday, when the bills, the buffer, and the goal you meant to fund are still one undifferentiated balance.
- When to skip it
- It is not financial advice and it does not know your bank balance. It splits only the numbers you list.
- Runs in
- ChatGPT, Claude, Gemini
- Difficulty
- Easy
- Shelf
- Personal Finance
Subscription Leak Finder
Paste merchant names and amounts. Get the recurring charges, a yearly total from those months, and a cancel order that starts with the ones you do not use.
- You paste
- Export merchants and amounts. From your bank, copy the date, merchant, and amount for two or three months. Stop before any full card number. If one slips in, delete it before you paste.
- You get
- Cancel order. First: StreamBox, unused since February. GamePass waits until the cash payback is confirmed. CloudNotes stays.
- When to use it
- Use it when a statement is full of small charges and you cannot see which ones repeat or what a year of them costs.
- When to skip it
- It does not connect to your bank. You paste merchant names and amounts, and it only works from the months you paste.
- Runs in
- ChatGPT, Claude, Gemini
- Difficulty
- Easy
- Shelf
- Personal Finance
Questions
What is the difference between Paycheck Allocator and Subscription Leak Finder?
The Subscription Leak Finder looks backwards at statements to find recurring charges worth cancelling. The Paycheck Allocator looks forward and splits the money that just arrived. Find the leaks once, then allocate every payday.
Are Paycheck Allocator and Subscription Leak Finder free?
Yes. Both are free prompts from One Agent a Day under CC BY 4.0. Paycheck Allocator runs in ChatGPT, Claude, Gemini. Subscription Leak Finder runs in ChatGPT, Claude, Gemini.
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