Kakeibo vs Oaiko

Save first. Live on the rest. Kakeibo is the Japanese art of mindful spending, created in 1904 by journalist Hani Motoko. Unlike modern budget apps that sync your bank and automate everything, Kakeibo asks you to slow down, write it down, and reflect. WHY KAKEIBO WORKS The secret is friction. When you manually record each expense, you build awareness. When you ask yourself "Do I truly need this?" before every purchase, impulse spending drops. The Kakeibo method is designed to help you spend more intentionally and build a steadier saving habit. THE FOUR PILLARS Every expense falls into one of four categories: - Needs (necessities you cannot avoid) - Wants (things you enjoy but can live without) - Culture (education, books, experiences) - Unexpected (repairs, medical, surprises) This simplicity is intentional. No 47 sub-categories. No decision fatigue. Just four honest buckets that reveal where your money really goes. HOW IT WORKS 1. Set your monthly income 2. Decide your savings goal FIRST 3. Budget what remains across the four pillars 4. Record every expense mindfully 5. Reflect at month's end: What went well? What can improve? WHAT MAKES THIS APP DIFFERENT - No bank linking, no cloud servers — your data stays on YOUR device - Designed for the Kakeibo philosophy, not generic expense tracking - Monthly reflection prompts based on the original Japanese method - Beautiful, minimal interface inspired by Japanese aesthetics - Works completely offline - Widget support to keep your budget visible KAKEIBO PRO Unlock personal coaching insights, spending trends, recurring-expense detection, the large Home Screen widget, and CSV import with Kakeibo Pro. - Monthly and yearly plans. Eligible new subscribers can start with a free trial. Prices are shown in the app and on the App Store. Payment will be charged to your Apple ID account at the confirmation of purchase. Subscription automatically renews unless it is canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel your subscriptions by going to your account settings on the App Store after purchase. Whether you follow Dave Ramsey's envelope method, practice zero-based budgeting, or simply want to spend more intentionally — Kakeibo gives you the mindful framework to save first and live better. 「千里の道も一歩から」 A journey of a thousand miles begins with a single step. Privacy Policy: https://batuhangoktepe.github.io/kakeibo/privacy.html Terms of Use: https://batuhangoktepe.github.io/kakeibo/terms.html

Oaiko（オアイコ）は、グループのお金の貸し借りをすっきり「おあいこ」にする割り勘アプリです。 旅行・飲み会・同棲・チームのイベントなど、立て替えが入り混じる場面でも、誰がいくら払い、最終的に誰が誰へいくら返せばよいかを自動で計算します。 【主な特長】 ・支出を記録するだけで精算額を自動計算。送金回数が最小になるよう最適化します。 ・均等だけでなく「傾斜配分」「固定額」など柔軟な分け方に対応。 ・送金・受け取りはPayPay／銀行口座の情報をまとめて確認。 ・日程調整機能つき。候補日に○△×で回答し、みんなの都合を一目で集計。 ・明細書をいつでも確認・共有。誰の負担がいくらかが明朗です。 ・URLを送るだけでメンバーを招待。登録不要の「ゲスト参加」にも対応。 友だち同士の小さな立て替えから、イベントの幹事まで。お金の話を気持ちよく終わらせましょう。