About
A reference for the kakeibo method with the arithmetic already done, published by the team that makes the Kakeibo app for iPhone and iPad.
Kakeibo Method is published by MomentumLab AI, an Australian company that also makes the Kakeibo app for iPhone and iPad. You should know that before you read anything else here, because it is the obvious reason to be sceptical of a site explaining why kakeibo is worth your time.
Built the other way round: the number first, the reading when you want it.
Because the existing English material on kakeibo is interchangeable. Almost every page ranking for the subject is a prose explainer of the same length repeating the same four categories, and none of them will do the arithmetic with you, cite where household money actually goes, or tell you which of the four envelopes your savings target has to come out of.
So this site is built the other way round: calculators that run in your browser, 294 savings targets worked out in three currencies, 130 everyday expenses sorted into the four envelopes, and guides for the places people actually get stuck. The reading is there when you want it and never in front of the number you came for.
In force on every page, including the ones that would sell better without it.
The homepage prints these in short. This is the whole version, with the reasoning left in, because a standard a publisher will not spell out is a standard nobody can hold them to.
A comparison in which our own subject wins every category is an advertisement.
Kakeibo (家計簿) was published by Hani Motoko in 1904, and we have tried to tell that story accurately rather than exotically. She was Japan's first female newspaper journalist, the ledger appeared in the household magazine she edited with her husband, and it was written to give women a documented record of work they were already doing without recognition. It is a practical invention from the early twentieth century, not an ancient secret, and the full account is on the pillar page.
Nothing here is gated behind it, and every calculator works whether or not you install it.
The app keeps the same four envelopes, the safe to spend figure and the monthly reflection questions on your phone, so the entry happens at the counter instead of from memory later. It has a free tier with ads and a paid tier without them. That is the extent of the commercial relationship between this site and that product: nothing here is gated behind it, and every calculator works whether or not you ever install it.
Corrections, particularly on the history or on anything numerical, are genuinely welcome. If you can point us at a primary source for the savings claim above, we will publish it and credit you.
Published by MomentumLab AI Pty Ltd, Australia. The site is written and maintained by the same small team that builds the app, and the address above reaches them rather than a support queue.
Nothing on this site is financial advice: it is arithmetic and a method, and your circumstances are not known to us.
Everything on this site works without the app. The app exists because a ledger you carry gets filled in and a ledger at home does not.
