Expense Categories
Every expense belongs to one of three categories. Knowing the difference is the first step to plugging money leaks and taking control of your personal finances.
Fixed Expenses
Fixed expenses cost the same every month. Rent, loan EMIs, and subscriptions are typical examples. While predictable, they become a leak when they consume too much income.
Watch out if fixed costs exceed 50% of income.
Variable Expenses
Variable expenses change based on your habits — food, shopping, entertainment, and transport. These are where most money leaks hide.
Biggest opportunity for savings.
Semi-Variable Expenses
Semi-variable expenses have a fixed base plus usage charges. Utilities (electricity, water, internet) are classic examples. Our expense categorization tool automatically sorts these for you.
Monitor usage to keep these under control.
| Category | Type | Safe Limit | Leak Alert |
|---|---|---|---|
| Housing | Fixed | < 30% | > 40% |
| Food | Variable | < 15% | > 25% |
| Shopping | Variable | < 10% | > 15% |
| Entertainment | Variable | < 5% | > 10% |
| Transportation | Variable | < 10% | > 15% |
| Subscriptions | Fixed | < 3% | > 5% |
Categorize Your Expenses Free
Our detector checks every category against these thresholds automatically.
Use the Detector