🔒 Instant registration · No card required ·
Kakebo isn't just another app full of confusing charts. It's a system to regain control.
By writing down each expense, your brain processes the purchase. This is key to reducing impulsive spending.
Clearly visualize how much you really have left after paying mandatory bills.
Your passwords are yours. We don't connect to your bank. Absolute privacy and zero security risk.
Get personalized advice based on your actual spending patterns, not generic tips.
The Kakebo method helps you reduce variable spending by up to 20%. See for yourself.
Monthly Savings Potential
400 €
*Based on the 20% Kakebo method goal
Free forever. No card required.
A Japanese system of Mindful Spending to control your finances without stress.
Set a realistic monthly savings goal. Not science fiction, something you can achieve.
Record every expense when it happens. Don't leave it for "tomorrow". Consistency is key.
Separate your expenses: survival, fixed, leisure, culture. Detect where your money goes.
At the end of the month, review what worked and what didn't. Decide 1-2 concrete changes for the next month.
If your goal was to save €200, you're doing well. If not, see which category went overboard and adjust next month. Simple.
Kakebo Community
"I had been trying to use Excel for my expenses for years, but I always quit after a week. Kakebo is the only app that has made me consistent."
"As a data analyst, I highly value not having to give access to my bank accounts via Open Banking. Real privacy and absolute control over what data I upload."
"The philosophy of categorizing 'Survival' vs 'Vice' changed my mindset. I saved €300 the first month almost without realizing it just by visualizing small expenses."
"Simple, beautiful and direct. Just what I was looking for to apply the Kakebo method without complicating myself with physical notebooks after reading the original book."
"The AI chatbot is crazy. I ask 'how much did I spend on coffee this quarter?' or 'will I reach my 20% savings goal?' and it crosses data with my history instantly. Brutal."
"Finally an app that understands that 'saving' is not 'suffering'. Kakebo has taught me to budget my leisure better, not to stop living."
In practice, it works because it forces you to do three things most people avoid:
You can calculate your savings potential with our savings calculator, discover our step-by-step tutorial, or read more tips on our official blog.
Food, basic transport, pharmacy, essential supplies.
Rent, electricity, internet, necessary subscriptions, insurance.
Restaurants, outings, treats, impulse buys (yes, those).
Books, training, hobbies, activities that add value long-term.
The only alternative that combines Excel privacy with App convenience.
| Feature | Kakebo AI | Excel / Spreadsheets | Bank Apps |
|---|---|---|---|
| 🔒 Privacy (No bank connection) | ✅ Yes (Your keys are yours) | ✅ Yes | ❌ No (Access your bank) |
| 🧠 AI Analysis | ✅ Yes (GPT-4 Copilot) | ❌ No (Manual) | ⚠️ Basic (Old algorithms) |
| 🧘 Kakebo Method (Conscious Savings) | ✅ Native (4 Categories) | ❌ You have to config it | ❌ No (Standard categories) |
| 📱 Ease of use (Mobile) | ✅ Excellent (PWA) | ❌ Terrible | ✅ Excellent |
Direct answers to common doubts
Yes, 100%. You can sign up and use the Manual Plan (full expense tracking) without paying anything. Registration is instant and no credit card required.
Everything: unlimited expense tracking, fixed expense management, AI assistant, automatic analysis, personalized tips, and savings predictions. All for free.
The current features will remain free. Our goal is to always keep a powerful free version of the core tool available to everyone.
Yes. Your bank shows you transactions; Kakebo forces you to understand decisions and patterns. The key is strict monthly review and the intention to improve.
Yes. We use Supabase for authentication and data security. Your financial data is encrypted and never shared with third parties.
Kakebo (pronounced "kah-keh-boh") is the Japanese art of saving money. It is not just an expense tracker app; it is a philosophy that invites you to reflect on your spending habits. Kakebo adapts this century-old method to the digital age for users in Europe and beyond.
Designed specifically for economic management in Euros (€), our platform allows you to categorize vital expenses (Survival), enjoy life (Leisure and Vice), cultivate your mind (Culture), and foresee unforeseen events (Extra). It's the ideal tool for those looking for a free personal finance app that works.