Why do you waste your money?

Why is money been wasted by you?

Why has money been wasted by you?

Why is your money wasted by you?

Why is your money being wasted by you?

All of the above

The given sentence is in Present Indefinite Tense.

Why do you waste your money means تم اپنا پیسہ کیوں ضائع کرتے ہو؟

Waste is a verb here.

Wasted is the second and third form of Waste.

Present Indefinite Tense

Active Voice: Subject + Verb + Object

Passive Voice: Object + is/am/are+ third form of a verb + by + subject.