Kakeibo: Goal & Budget Planner

What it does

Kakeibo is the Japanese household ledger Hani Motoko published in 1904. Four spending categories, one savings promise made before the month starts, four questions answered when it ends. The app does the arithmetic and leaves the reflecting to you. Free tier.

Kakeibo is the Japanese household ledger Hani Motoko published in 1904: four spending categories, four questions, and a monthly reckoning you write by hand. This site does the arithmetic with you and leaves the reflecting to you.

Four spending categories, one savings promise made before the month starts, and four questions answered when it ends. Published in 1904, and this site has done the arithmetic around it. Live arithmetic, running in your browser. The split is our suggested starting shape for a blank ledger, not a rule kakeibo ships, and every calculator here lets you move it. Nothing on this site repeats the claim that kakeibo saves 20 to 35 percent. We went looking for a primary source and could not find one. Savings plans worked through to the day, questions answered in full, and household months read through the four envelopes. One page free to print, then the planners, trackers and spreadsheets for the…from kakeibomethod.com

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