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
Rupiah · IDR
Rp 19.840.000
Jakarta accounts
Singapore dollars · SGD
S$1.120
Singapore account
Where it went · share of rupiah spend
基本Needs
Rp 11.200.000
S$ 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
Link Gmail or Outlook once. Kakeibo Finance watches for receipts, confirmations and statements — nothing else.
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.
A monthly review compares the plan against what happened, then proposes next month's allocation — the kakeibo cycle, run for you.
PlanDay one
Savings are set aside first, then the rest is divided across the four categories.
TrackEvery day
Receipts arrive from your inbox and land in their category without a single keystroke.
ReviewMonth end
One honest read of where the balance slipped, and what to change before the next cycle.
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
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
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
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
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.
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.
Suggested allocation · March
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
Essential and worth the money. Most of 基本 lives here — rent, groceries, the commute.
買うべからず
Kau-bekarazu
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
Worth wanting, not this month. The suggestion waits until the allocation genuinely has room.
買えるべし
Kaeru-beshi
Affordable if the surplus is real — measured against what is left over, not merely what is unspent.