Kakeibo – Mindful Budget

Kakeibo – Mindful Budget is a quiet budgeting journal inspired by the Japanese kakeibo habit: plan the month, pause before buying, write things down, and look back. It is not a bank-sync app. You write each expense yourself, and that small moment of writing is what helps you notice where your money goes. PLAN AT THE START OF THE MONTH • Set your income, fixed costs, savings goal and carry-over from last month • See at a glance how much is left to spend this month • Add a short intention for the month • Add recurring expenses such as rent from templates PAUSE BEFORE YOU BUY • Put purchases you are unsure about on your Planned Purchases list • Note why you want it, what makes you hesitate, and a date to decide by • Mark each one bought or skipped; what you did not spend shows up in your monthly review WRITE IT DOWN • Record the amount, date and one of four categories: Needs, Wants, Culture / Learning, Unexpected • Add how it felt (calm, regret, neutral, glad), a note and tags • Search, filter and sort your entries LOOK BACK AT THE END OF THE MONTH • See spending by category, what you chose not to spend, and a comparison with last month • Answer three short questions and keep an open note • Switch months to read your earlier reviews PRIVATE AND CALM • No bank connection, no account, no ads, no tracking • Optional private iCloud sync between your own devices • Face ID / Touch ID lock • A gentle reminder at the hour you choose • CSV export • 41 currencies, your own month start day, dark mode, iPhone and iPad • Sample data to try the app, removable anytime in Settings