Coming soon · 家計簿, the 1904 method, automated

Your inbox becomes your 家計簿

Kakeibo Finance reads transaction emails and quietly assembles a calm spending dashboard — then suggests a kakeibo allocation: 貯蓄 taken first, then four honest categories.

Coming soon · Read-only inbox access · Nothing here asks for your details

March overview2 currencies · 1 ledger

Rupiah · IDR

Rp 19.840.000

Jakarta accounts

Income
Rp 26.000.000
貯蓄
Rp 5.700.000
Left
Rp 460.000

Singapore dollars · SGD

S$1.120

Singapore account

Income
S$1.500
貯蓄
S$330
Left
S$50

Where it went · share of rupiah spend

基本Needs

Rp 11.200.000

S$ 610

56% of spend

意志Wants

Rp 4.150.000

S$ 240

21% of spend

文化Culture

Rp 1.980.000

S$ 95

10% of spend

遊ぶLeisure

Rp 2.510.000

S$ 175

13% of spend

Three steps, zero bookkeeping

01

Connect your inbox

Link Gmail or Outlook once. Kakeibo Finance watches for receipts, confirmations and statements — nothing else.

02

Auto-digest transactions

Every charge is parsed, sorted into 基本, 意志, 文化 or 遊ぶ, and deduplicated into one clean ledger, in the currency it was paid in.

03

Close the month with 反省

A monthly review compares the plan against what happened, then proposes next month's allocation — the kakeibo cycle, run for you.

計画

PlanDay one

Savings are set aside first, then the rest is divided across the four categories.

記録

TrackEvery day

Receipts arrive from your inbox and land in their category without a single keystroke.

反省

ReviewMonth end

One honest read of where the balance slipped, and what to change before the next cycle.

Four questions, asked monthly

Kakeibo was never a spreadsheet. It is a monthly conversation with yourself, first written down by Hani Motoko in 1904. Kakeibo Finance asks the four questions and brings the receipts to answer them.

いくら収入があるのか

How much is coming in?

Every credit that reaches your inbox is totalled per currency, so the run rate is visible — salary, client payments and side income each counted where they arrive.

いくら貯えたいのか

How much do you want to save?

You set a savings figure before the month begins. The suggested allocation is built backwards from it, so the target is money already spoken for.

いくら使っているのか

How much are you spending?

Charges are parsed, deduplicated and sorted into the four categories, then shown against the allocation you agreed to — never against a guess.

どうすれば改善できるのか

How can you improve?

At month end the review names the category that slipped, the judgment ignored most often, and the one change that would have made the difference.

Save first, then spend

The kakeibo order is the opposite of a normal budget. Savings leave on payday, and only what remains is divided across the four categories — so the target is never whatever happens to survive the month.

  • 貯蓄Savings20%
  • 基本Needs45%
  • 意志Wants15%
  • 文化Culture10%
  • 遊ぶLeisure10%

Suggested allocation · March

貯蓄 Savings 20%基本 Needs 45%意志 Wants 15%文化 Culture 10%遊ぶ Leisure 10%
Suggested move: three purchases this month matched 買うべからず — Rp 340.000 and S$18. Shifting them into 貯蓄 adds Rp 340.000 and S$18 to this month's savings.

Four judgments, before the receipt

Hani Motoko taught her students to sort every purchase into one of four judgments. Kakeibo Finance learns the pattern from what you actually buy, then applies the same labels to what is arriving.

買うべし

Kau-beshi

Should buy

Essential and worth the money. Most of 基本 lives here — rent, groceries, the commute.

買うべからず

Kau-bekarazu

Should not buy

A want wearing a need's clothes. Flagged the moment the receipt arrives, not at month end.

買わざるべし

Kawazaru-beshi

Must not buy

Worth wanting, not this month. The suggestion waits until the allocation genuinely has room.

買えるべし

Kaeru-beshi

Could buy

Affordable if the surplus is real — measured against what is left over, not merely what is unspent.