Are these calculators free?

Yes, and there is nothing to sign up for. They run entirely in your browser, which also means nothing you type is sent anywhere, stored or logged.

Do they work offline?

Once a page has loaded, yes. The arithmetic is a few kilobytes of JavaScript on the page itself, with no server call behind it, so a calculator keeps working on a plane or in a basement.

Which one should I start with?

If you are new to the method, start with the kakeibo calculator: it lays out the four envelopes from a single income. If you already have a goal in mind, start with the savings target calculator and work backwards from the date.

Do the calculators agree with the worked pages?

They share one implementation. The interactive tools and the 294 worked savings target pages import the same arithmetic file, so a figure cannot differ between them.

6 free calculators

The method, with the arithmetic done

Kakeibo is a practice, not a spreadsheet, but the numbers around it are ordinary division and there is no reason to make you do it. Each tool answers one question properly and runs entirely in your browser.

How do I split my income the kakeibo way?Kakeibo calculatorIncome in, four envelopes out, with the savings promise taken off the top the way the method insists.What does my goal cost per month, week and day?Savings target calculatorAny amount, any deadline. The four figures come back first and the reasoning follows underneath.What shape did my month actually have?Four category splitPut a real month in and read it back as Survival, Optional, Culture and Extra, each as a share of income.Which allocation suits my income better?Kakeibo vs 50/30/20One income, both plans, side by side, with the structural difference spelled out under the numbers.How much can today cost without breaking the plan?Safe to spend todayIncome minus commitments minus the promise, divided by the days left. The number for 4pm on a Thursday.Am I doing better than last month?Savings rateThe one figure that survives a pay rise, plus how many months of spending your balance covers.

Already worked outAll 294 targets →

Common targets, with the monthly, weekly and daily figure and the envelope split already on the page. 14 amounts across 7 horizons in 3 currencies:

Why a kakeibo site has calculators at all

Because the method is about attention, and arithmetic is the part that does not deserve any. Hani Motoko's readers did this division by hand because there was no alternative in 1904. The reflection is the valuable half, and it is the half a calculator cannot do for you.

So the tools here stop where the method starts. They will tell you what a target costs per day and which envelope it most likely comes out of. They will not tell you whether the trip is worth it, whether the course changed anything, or what you want next year to look like. Those are the four questions, and they are answered in writing, once a month.

Common questions

Are these calculators free?: Yes, and there is nothing to sign up for. They run entirely in your browser, which also means nothing you type is sent anywhere, stored or logged.
Do they work offline?: Once a page has loaded, yes. The arithmetic is a few kilobytes of JavaScript on the page itself, with no server call behind it, so a calculator keeps working on a plane or in a basement.
Which one should I start with?: If you are new to the method, start with the kakeibo calculator: it lays out the four envelopes from a single income. If you already have a goal in mind, start with the savings target calculator and work backwards from the date.
Do the calculators agree with the worked pages?: They share one implementation. The interactive tools and the 294 worked savings target pages import the same arithmetic file, so a figure cannot differ between them.

The calculators plan. The ledger records.

Every figure on this site assumes the entries are real. Making that easy is what the app is for, with the same four envelopes and the monthly questions built in.

Get the Kakeibo app freeiPhone and iPad · Free tier, no account needed

The Kakeibo app showing a monthly budget with income, expenses and a savings goal in progress