Kakeibo
家計簿 - The Japanese Art of Mindful Budgeting
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START OF MONTH REFLECTION
How much money do I have available?
How much would I like to save?
How much am I spending?
How can I improve?
INCOME (収入)
| Date | Source | Amount |
|---|---|---|
| ____/____ | ¥/$ __________ | |
| ____/____ | ¥/$ __________ | |
| ____/____ | ¥/$ __________ | |
| ____/____ | ¥/$ __________ | |
| ____/____ | ¥/$ __________ | |
| Total Income | ¥/$ __________ | |
FIXED EXPENSES (固定費)
| Expense | Amount |
|---|---|
| Rent/Mortgage | ¥/$ __________ |
| Utilities | ¥/$ __________ |
| Insurance | ¥/$ __________ |
| Phone/Internet | ¥/$ __________ |
| Subscriptions | ¥/$ __________ |
| Other Fixed | ¥/$ __________ |
| Total Fixed | ¥/$ __________ |
SPENDING BY CATEGORY
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| Subtotal | $______ | |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| Subtotal | $______ | |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| Subtotal | $______ | |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| ___/___ | ________ | $______ |
| Subtotal | $______ | |
MONTHLY SUMMARY
END OF MONTH REFLECTION
What went well this month?
What could I improve?
What will I do differently next month?
Free template from kakeibo-templates.com
Classic Kakeibo Budget Template - Free PDF Download (2026)
The original Japanese Kakeibo budgeting template with monthly income tracking, expense categories (Needs, Wants, Culture, Unexpected), savings goals, and reflection prompts. Perfect for mindful money management.
Free to use • Print or save as PDF • No email required
How to Use This Template
Download the Template
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Print or Use Digitally
Print it out or fill it in using a PDF editor
Enter Your Income
At the start of each month, record your expected income
Track Daily Expenses
Log each expense in the appropriate category (Needs, Wants, Culture, Unexpected)
Weekly Reflection
Answer the reflection questions to understand your spending patterns
Monthly Review
Calculate totals and set goals for next month
Frequently Asked Questions
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Daily Expenses
| Date | Description | Category | Amount |
|---|---|---|---|
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ | |
| ___/___ | _ | $_______ |
Weekly Summary
Monthly Totals
Monthly Reflection
What worked well?
What to improve next month?
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HOUSEHOLD INCOME
FIXED HOUSEHOLD EXPENSES
| Expense | Budgeted | Actual | Who Pays |
|---|---|---|---|
| Mortgage/Rent | $________ | $________ | P1P2J |
| Property Tax/HOA | $________ | $________ | P1P2J |
| Home Insurance | $________ | $________ | P1P2J |
| Utilities (Electric) | $________ | $________ | P1P2J |
| Utilities (Gas/Water) | $________ | $________ | P1P2J |
| Internet/Cable | $________ | $________ | P1P2J |
| Cell Phones | $________ | $________ | P1P2J |
| Car Payment(s) | $________ | $________ | P1P2J |
| Auto Insurance | $________ | $________ | P1P2J |
| Health Insurance | $________ | $________ | P1P2J |
| Life Insurance | $________ | $________ | P1P2J |
| Childcare/School | $________ | $________ | P1P2J |
| Total Fixed | $________ | $________ |
VARIABLE EXPENSES
| Category | Budgeted | Actual |
|---|---|---|
| Groceries | $________ | $________ |
| Gas/Transportation | $________ | $________ |
| Dining Out | $________ | $________ |
| Entertainment | $________ | $________ |
| Kids Activities | $________ | $________ |
| Clothing | $________ | $________ |
| Personal Care | $________ | $________ |
| Household Items | $________ | $________ |
| Pets | $________ | $________ |
| Other | $________ | $________ |
| Total Variable | $________ | $________ |
FAMILY SAVINGS
| Emergency Fund | $________ |
| Retirement | $________ |
| Kids College | $________ |
| Vacation Fund | $________ |
| Home Repairs | $________ |
| Other Goals | $________ |
| Total Savings | $________ |
DEBT PAYMENTS
| Credit Card 1 | $________ |
| Credit Card 2 | $________ |
| Student Loan | $________ |
| Personal Loan | $________ |
| Medical Debt | $________ |
| Other Debt | $________ |
| Total Debt Payments | $________ |
MONTHLY SUMMARY
THIS MONTH'S FAMILY GOALS
NOTES & DISCUSSION POINTS
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INCOME
| Source | Expected | Actual |
|---|---|---|
$ | $ | |
$ | $ | |
$ | $ | |
$ | $ | |
$ | $ | |
| Total Income | $ | $ |
EXPENSES
Fixed Expenses
| Category | Budgeted | Actual |
|---|---|---|
| Rent/Mortgage | $ | $ |
| Utilities | $ | $ |
| Insurance | $ | $ |
| Phone/Internet | $ | $ |
| Subscriptions | $ | $ |
Variable Expenses
| Category | Budgeted | Actual |
|---|---|---|
| Groceries | $ | $ |
| Transportation/Gas | $ | $ |
| Dining Out | $ | $ |
| Entertainment | $ | $ |
| Shopping | $ | $ |
| Personal Care | $ | $ |
| Health/Medical | $ | $ |
| Other | $ | $ |
| Total Expenses | $ | $ |
SAVINGS & DEBT
| Category | Goal | Actual |
|---|---|---|
| Emergency Fund | $ | $ |
| Retirement | $ | $ |
| Debt Payment | $ | $ |
| Other Savings | $ | $ |
| Total Savings | $ | $ |
MONTHLY SUMMARY
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