# Mirai Wealth — Know what is safe to spend > Know what is safe to spend (iPhone/iPad app by JIN Takumi.) - Source: https://appshunter.io/ios/app/mirai-wealth/id6784969734 (this page in markdown: same URL + `.md`) - Developer: [JIN Takumi](https://appshunter.io/developer/1671043848) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 17.0 · 21 MB - Languages: American English, German (Germany), Japanese, Chinese (Simplified, China), Chinese (Traditional, Taiwan) - Released: 2026-07-01 - Data updated: 2026-09-08 - User reviews in markdown: https://appshunter.io/ios/app/mirai-wealth/id6784969734/reviews.md ## What is Mirai Wealth? Wondering, “How much can I safely spend before payday?” See the answer at a glance. Keep personal money private, and share only the accounts, cards, and plans you manage together. Mirai Shushi is a money planner that combines what you have now with upcoming paychecks, rent, card payments, and other plans to show your balance day by day. The more you add, the clearer your lowest future balance becomes. You can make today’s spending decision without learning complicated reports. What you can do • See bank accounts and cards together • View a day-by-day balance from future income and expenses • Track budgets and savings with simple progress bars • Repeat paychecks, rent, bills, and other regular items automatically • Reflect installment and revolving payments in your future • Check key information with widgets and notifications • Practice on the real interface with interactive tutorials We never collect your amounts or transaction details for advertising or analytics. Personal data stays only on your device by default. With Pro, you can optionally sync personal data across your own iPhone, iPad, and Mac through iCloud. Shared household groups are also supported. Money management that is easy to understand—even if budgeting apps never stuck before. Terms of Use (Apple Standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Mirai Wealth ProPlan Monthly | $1.99 | per month | ## Version history (last 5 releases) ### 4.1.0 — 2026-08-27 Version 4.1.0 makes personal and shared money planning clearer, safer, and more dependable. • Create shared groups for family or partners, and sync only the accounts, cards, transactions, tags, budgets, and savings you choose • Keep personal data separate from shared household data • See receiving, initial upload, and pending iCloud changes as distinct states • Continue recording locally if iCloud is temporarily unavailable • View selected personal and group plans together in Future Balance • Keep the layout consistent when Safe to Spend is below zero, with clearer nearest and maximum shortfalls • Choose and reorder the accounts and cards shown as payment methods • Improve budgets, savings, recurring entries, installment and revolving-payment forecasts, search, and backup progress • Strengthen validation for unusually large amounts and long names • Improve refresh behavior, localization, accessibility, and overall stability Your existing data carries over automatically. ### 4.0.2 — 2026-08-21 Card payment planning now adapts more closely to your actual statements and repayments. • Change a card’s payment account. Completed withdrawals stay with the account that paid them, while only pending and future withdrawals move to the new account. • Enter the number of installments directly. • Adjust the first installment and all following installment amounts to match your card issuer’s statement. • Settle an installment plan early. Paid installments remain in your history, while unnecessary future installments are removed. You can also record the final payoff as a transaction. • Change the monthly amount for future revolving payments without altering confirmed or paid history. • Record a partial repayment, such as a bank transfer, or pay the entire revolving balance at once. Future payments are recalculated from the remaining balance. Your payment history stays intact while your plans remain flexible enough to reflect real-world changes. ### 4.0.1 — 2026-08-16 Version 4.0.1 focuses on clearer day-to-day decisions, safer migration, and more dependable synchronization. • Clearer “Available to Spend” guidance When your forecast falls below zero, the app shows both the largest shortfall and the nearest shortfall with their dates. • Transaction type and amount sign are now independent A transaction remains income or expense while also allowing a negative amount. Refunds and reductions are clearly labeled as “Effectively income” or “Effectively an expense.” • Improved budget and savings progress Completed results are shown as numbers, while future estimates appear as a lighter section of the progress bar. • Improved recurring transactions Recurring transactions are now available on the free plan within the existing transaction limit. Rules can have no end date, use a generation count, update future occurrences only, and allow generated past transactions to be edited individually. • Improved iCloud and group sharing Personal iCloud data remains editable offline and synchronizes after reconnection. Legacy shared data is migrated safely using the group creator's settings as the source of truth. • Refined UI, guidance, five-language localization, and stability across iPhone, iPad, and Mac. ### 4.0.0 — 2026-08-14 Mirai Shushi 4.0 is our biggest update yet. • Now available on Mac and iPad, with the same familiar flow as iPhone • Optional personal iCloud sync across your own devices with Pro • Clearer roles and permissions for shared household groups • Installment and revolving payments now flow into future payments and available card credit • Improved widgets, notifications, and interactive tutorials • A refreshed design and major stability improvements Your existing data carries over automatically. ### 3.0.0 — 2026-08-11 Version 3.0.0 is a major update to Mirai Shushi. • Share accounts, cards, transactions, tags, budgets and savings with family or a partner through iCloud • Keep personal data and shared groups separate, while viewing them together in your future cash-flow forecast • Choose which accounts and cards appear as payment methods and customize their order • Added detailed system history and dedicated records for manual balance adjustments • Improved future balance, card payment, budget and savings recalculation • Added recurring transactions and reusable transaction templates • Increased the free-plan limit to 1,000 transactions • Refined colors, layouts, entry screens and settings throughout the app • Added automatic migration from version 2 data and support for restoring version 2 backups Your existing accounts, cards and transactions will be safely moved to Personal when you update. ## More apps by JIN Takumi - [Future Budgets](https://appshunter.io/ios/app/future-budgets/id6742105206) All apps by JIN Takumi: https://appshunter.io/developer/1671043848 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-08.*