Kakeibo vs Envelope Tracker

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

Envelope Tracker is a simple, private way to stay aware of what you have left this week. Set one weekly spending envelope, add the categories that make sense for you, and log purchases as they happen. Your dashboard shows what is left, what you have spent, and how your pace compares with the week so far. Features: - Log spending with a vendor, amount, category, date, and optional note - Remember vendors to speed up repeated entries - Split one purchase across multiple categories - Review past weeks and filter spending history - Carry money forward at the start of a new week, or start fresh - See your current envelope in small and medium widgets - Export your transaction history as a CSV file - Keep your data in your private iCloud account so it can sync between your own Apple devices Envelope Tracker does not require bank linking, receipt scanning, social sharing, advertising, or third-party behavioral analytics.