The Japanese way to master your money
Build better financial habits through the traditional Kakeibo method — record with care, reflect with honesty, save with intention, and grow with your family. Neko walks beside you the whole way.
Loved by 10,000+ mindful savers worldwide
Good morning, Yuki
Overview
Total Net Worth
$128,450.75
$5,850.00
$2,399.25
家計簿The Method
A 120-year-old method, re-engineered for today
Kakeibo — literally 'household financial ledger' — was created in 1904 by Hani Motoko, Japan's first female journalist. Before any purchase, it asks four mindful questions.
Do I really need it?
Can I afford it?
Will it improve my life?
Is this aligned with my goals?
Track
Record every yen, dollar or euro with intention. Awareness is the first act of wealth.
Reflect
Weekly and monthly reviews reveal the patterns behind your spending decisions.
Save
Set intentional savings before the month begins — not with what's left over.
Grow
Compound discipline into long-term wealth, goals and financial freedom.
道The Journey
Built around the original Japanese method
Six steps, repeated each month with patience. This is the rhythm Hani Motoko taught in 1904 — and the rhythm My Kakeibo keeps for you.
1. Income
Know how much you have.
2. Needs
Cover your essentials.
3. Wants
Spend mindfully on what you love.
4. Culture
Invest in your growth and joy.
5. Unexpected
Prepare for the unexpected.
6. Savings
Save for your future self.
省察
Reflection
Each month opens and closes with a quiet conversation with yourself: what served me, what didn't?
気づき
Awareness
Recording by hand made our grandmothers wise. Recording with intention does the same for you.
貯蓄
Savings
Pay your future self first. Savings are decided at the start of the month — never from leftovers.
成長
Growth
Small disciplines compound. A calm ledger today becomes long-term wealth tomorrow.
家族
Family Prosperity
Shared budgets, shared goals, shared wins — money becomes something a family does together.
自由
Financial Freedom
The destination is not a number. It is the day money stops making your decisions for you.
猫Meet Neko
Your AI financial companion, with whiskers
Neko is more than a mascot — it's an AI copilot trained on your financial life. It answers questions, coaches your budget, celebrates your wins and keeps you mindful, never judgmental.
Budget Coach
Builds budgets around your real behavior and the four Kakeibo questions.
Savings Assistant
Finds idle money, unused subscriptions and painless savings opportunities.
Financial Guide
Explains every trend in plain language and forecasts where you're heading.
Neko
AI Copilot · always on
機能Everything Included
A complete financial operating system
Not another expense tracker. My Kakeibo unifies budgeting, family finance, wealth and planning into one calm, beautiful workspace.
Expense Tracking
Capture every expense in seconds with smart categorization.
Income Tracking
Salaries, freelance, side hustles — one clear picture of money in.
Budget Planning
Kakeibo-pillar budgets: needs, wants, culture and the unexpected.
Savings Goals
Visual goals with forecast completion dates that keep you motivated.
Debt Tracking
Snowball or avalanche your way out with payoff simulations.
Family Sharing
Shared budgets, roles and transparent group finances in realtime.
Wealth & Net Worth
Assets minus liabilities, beautifully charted over time.
Multi-Currency
Track in 150+ currencies with automatic conversion.
Financial Calendar
Every bill, payday and renewal mapped onto your month.
Recurring & Subscriptions
Detect, track and cancel forgotten subscriptions.
Smart Alerts
Gentle nudges before budgets break — never after.
AI Forecasting
Cash-flow projections that see months ahead of your balance.
家族Family Finance
Money is better when it's shared
Create shared spaces with roles, permissions and full transparency controls. Everyone sees the same numbers — in realtime, on every device.
Couple Budget
$2,840 of $4,200
Kenji added Groceries · $86.40
Family Budget
$5,320 of $7,500
Hana paid School Fees · $420.00
Travel · Kyoto 2026
$1,860 of $6,000
Miyu contributed $250 to the goal
Roommates
$940 of $1,500
Alex split Internet Bill · $20.00 each
洞察AI Insights
Your money, explained before it happens
Neko continuously studies your cash flow and surfaces what matters — anomalies, opportunities and forecasts — in plain, kind language.
Spending pattern detected
You spent 18% more on restaurants this month — mostly weekend deliveries.
Review dining budget →
Savings opportunity
You can save $240 next month by pausing two unused subscriptions.
See the breakdown →
Budget forecast
Your transportation budget may be exceeded in 5 days at the current pace.
Adjust or accept →
Positive trend
Grocery spending is down 9% for the third straight month. Nicely done.
Keep the streak →
人生Life Planner
Simulate your entire life, not just your month
Wedding, house, kids, sabbatical, retirement — drop life events onto your timeline and instantly see their impact on your future net worth. No other budgeting app does this.
富Wealth Growth
Watch your future compound in realtime
Net worth, investments and savings — projected years ahead with elegant, living charts.
Projected Net Worth · 2031
$0
$0.0B+
Net worth tracked
0%
Avg. savings-rate lift
0K
Goals completed
0
Countries
分析Analytics
Insight-grade analytics, zero spreadsheets
Trends, seasonality, category deep-dives, cash-flow projections and custom reports — exportable to PDF, Excel and CSV.
Monthly Cash Flow
2026
Kakeibo Pillars
Spending by intention
声Loved by Thousands
Calm money, happy people
“My Kakeibo changed the way I think about money. The four questions stopped my impulse spending almost overnight.”
Sarah L.
Singapore
“Simple, beautiful and effective. My wife and I finally share one budget without a single spreadsheet argument.”
Kenji T.
Tokyo, Japan
“The Life Planner showed us we could buy a house in 2028 AND still retire early. No other app even tries this.”
Maria S.
Toronto, Canada
価格Pricing
Simple pricing, honest like a ledger
Start free forever. Upgrade when you're ready for AI, family sharing and life planning.
Free
Everything you need to start your Kakeibo practice.
$0forever
- Unlimited expense & income tracking
- Kakeibo budgets & monthly reviews
- 2 savings goals
- 1 account · 1 currency
- Mobile + web sync
Premium
The full financial operating system, powered by Neko AI.
$7/month
- Everything in Free
- Neko AI copilot & insights
- Life Planner simulations
- Investments, debt & net worth
- Unlimited goals, accounts & currencies
- Forecasting & custom reports (PDF / Excel / CSV)
Family
Premium for up to 6 people with shared finances.
$12/month
- Everything in Premium · 6 seats
- Shared budgets, goals & accounts
- Roles & transparency controls
- Family activity feed
- Contribution tracking
質問FAQ