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Kakeibo

家計簿 - The Japanese Art of Mindful Budgeting

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Month:
Year:

START OF MONTH REFLECTION

How much money do I have available?

How much would I like to save?

How much am I spending?

How can I improve?

INCOME (収入)

DateSourceAmount
____/____
¥/$ __________
____/____
¥/$ __________
____/____
¥/$ __________
____/____
¥/$ __________
____/____
¥/$ __________
Total Income¥/$ __________

FIXED EXPENSES (固定費)

ExpenseAmount
Rent/Mortgage¥/$ __________
Utilities¥/$ __________
Insurance¥/$ __________
Phone/Internet¥/$ __________
Subscriptions¥/$ __________
Other Fixed¥/$ __________
Total Fixed¥/$ __________
Available for Spending:Income (________) − Fixed (________) = ¥/$ __________

SPENDING BY CATEGORY

NEEDS (生活費)
Essential expenses for daily life
___/___________$______
___/___________$______
___/___________$______
___/___________$______
___/___________$______
___/___________$______
Subtotal$______
WANTS (娯楽費)
Non-essential pleasures
___/___________$______
___/___________$______
___/___________$______
___/___________$______
___/___________$______
___/___________$______
Subtotal$______
CULTURE (自己投資)
Books, education, self-growth
___/___________$______
___/___________$______
___/___________$______
___/___________$______
___/___________$______
___/___________$______
Subtotal$______
UNEXPECTED (その他)
Unplanned or emergency expenses
___/___________$______
___/___________$______
___/___________$______
___/___________$______
___/___________$______
___/___________$______
Subtotal$______

MONTHLY SUMMARY

Total Income:¥/$ __________
− Fixed Expenses:¥/$ __________
− Needs:¥/$ __________
− Wants:¥/$ __________
− Culture:¥/$ __________
− Unexpected:¥/$ __________
Amount Saved
¥/$ __________
Savings Goal
¥/$ __________
Goal Reached?
YesNo

END OF MONTH REFLECTION

What went well this month?

What could I improve?

What will I do differently next month?

Free template from kakeibo-templates.com

Free Kakeibo Templates 2026 – Download PDF, Excel & Printable Budget Planners