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Kakeibo Journal

家計簿 · The Japanese Art of Mindful Budgeting

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Month:
Year:

START OF MONTH — FOUR QUESTIONS

1. How much money do I have available this month?

2. How much would I like to save?

3. How much do I expect to spend?

4. How can I improve compared to last month?

INCOME (収入)

DateSourceAmount
___/___
$__________
___/___
$__________
___/___
$__________
___/___
$__________
___/___
$__________
Total Income$__________

FIXED EXPENSES (固定費)

ExpenseAmount
Rent / Mortgage$__________
Utilities$__________
Insurance$__________
Phone / Internet$__________
Subscriptions$__________
Other Fixed$__________
Total Fixed Expenses$__________

SAVINGS GOAL (貯蓄目標)

Total Income

Fixed Expenses

I want to save

Available for variable spending = Income − Fixed − Savings goal

Page 1 of 6 · kakeibo-templates.com

DAILY EXPENSE LOG

家計簿 — Week 1

Month:
N = NeedsW = WantsC = CultureU = Unexpected
DateDescriptionCat.Planned?Amount
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______

WEEKLY TOTALS

NEEDS
WANTS
CULTURE
UNEXPECTED

WEEKLY REFLECTION

What spending felt worthwhile this week?

What was automatic or impulsive?

What will I change next week?

Page 2 of 6 · kakeibo-templates.com

DAILY EXPENSE LOG

家計簿 — Week 2

Month:
N = NeedsW = WantsC = CultureU = Unexpected
DateDescriptionCat.Planned?Amount
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______

WEEKLY TOTALS

NEEDS
WANTS
CULTURE
UNEXPECTED

WEEKLY REFLECTION

What spending felt worthwhile this week?

What was automatic or impulsive?

What will I change next week?

Page 3 of 6 · kakeibo-templates.com

DAILY EXPENSE LOG

家計簿 — Week 3

Month:
N = NeedsW = WantsC = CultureU = Unexpected
DateDescriptionCat.Planned?Amount
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______

WEEKLY TOTALS

NEEDS
WANTS
CULTURE
UNEXPECTED

WEEKLY REFLECTION

What spending felt worthwhile this week?

What was automatic or impulsive?

What will I change next week?

Page 4 of 6 · kakeibo-templates.com

DAILY EXPENSE LOG

家計簿 — Week 4

Month:
N = NeedsW = WantsC = CultureU = Unexpected
DateDescriptionCat.Planned?Amount
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______
___/___
___
Y☐N☐
$______

WEEKLY TOTALS

NEEDS
WANTS
CULTURE
UNEXPECTED

WEEKLY REFLECTION

What spending felt worthwhile this week?

What was automatic or impulsive?

What will I change next week?

Page 5 of 6 · kakeibo-templates.com

MONTHLY REFLECTION

家計簿 · End of Month Review

SPENDING TOTALS

NEEDS (生活費)
Month Total:
WANTS (娯楽費)
Month Total:
CULTURE (自己投資)
Month Total:
UNEXPECTED (その他)
Month Total:

SUMMARY

Total Income$__________
– Fixed Expenses$__________
– Variable Spending (N+W+C+U)$__________
= Amount Saved$__________
Savings goal reached?Yes ☐No ☐

END OF MONTH — FOUR QUESTIONS

1. How much money did I have available?

2. How much did I actually save?

3. How much did I spend in total?

4. How can I improve next month?

Best purchase this month

Purchase I regret

One rule for next month

Page 6 of 6 · Free printable from kakeibo-templates.com
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View Full Template
PDFPrintable

Free Kakeibo Journal Template PDF – Printable Monthly Budget Journal

A complete printable Kakeibo journal with monthly income plan, daily expense log, weekly review, and end-of-month reflection. The full pen-and-paper ritual in one free PDF.

Best for

Anyone who wants the complete Kakeibo ritual — monthly plan, daily tracking, weekly review, and end-of-month reflection — in one six-page printable.

Time Required
5 min/day
Difficulty
beginner
Preview & Print Template

Free to use • No email required • Print or save as PDF

What's Included

Every section of this free Kakeibo Journal Template — print it and use it immediately.

  • Monthly Income & Fixed Expense Plan

    Start each month by recording income and fixed bills before a single dollar is spent

  • Daily Expense Log

    Row-by-row daily entries with date, description, amount, and Kakeibo category

  • Four Category Totals

    Weekly subtotals for Needs, Wants, Culture, and Unexpected keep you aware without overwhelm

  • Weekly Review Prompts

    Three reflection questions every Sunday to catch patterns before month-end

  • End-of-Month Reflection Page

    Answer the four Kakeibo questions, record wins and triggers, and set one rule for next month

Looking for a different format? Browse all free Kakeibo templates including the classic journal, couple budget, and GoodNotes planner.

How to Use This Template

1

Download and Print

Click the button below to open the printable template. Print on US Letter or A4 paper, single-sided.

2

Fill in Month and Year

Write the current month and year at the top so you can file it later.

3

Record Income and Set Savings Goal

Before spending anything, write your total income and the amount you want to save this month.

4

Log Every Expense Daily

Spend 3-5 minutes each evening writing down what you bought and which category it belongs to.

5

Review Every Sunday

Add up the week's totals, answer the three weekly prompts, and plan the week ahead.

6

Complete the Monthly Reflection

On the last day of the month, tally totals and answer the four Kakeibo questions to close the journal.

Frequently Asked Questions

Related Templates

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家計簿 - The Japanese Art of Mindful Budgeting

kakeibo-templates.com

Month:
Year:

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)

DateSourceAmount
____/____
¥/$ __________
____/____
¥/$ __________
____/____
¥/$ __________
____/____
¥/$ __________
____/____
¥/$ __________
Total Income¥/$ __________

FIXED EXPENSES (固定費)

ExpenseAmount
Rent/Mortgage¥/$ __________
Utilities¥/$ __________
Insurance¥/$ __________
Phone/Internet¥/$ __________
Subscriptions¥/$ __________
Other Fixed¥/$ __________
Total Fixed¥/$ __________
Available for Spending:Income (________) − Fixed (________) = ¥/$ __________

SPENDING BY CATEGORY

NEEDS (生活費)
Essential expenses for daily life
___/___________$______
___/___________$______
___/___________$______
___/___________$______
___/___________$______
___/___________$______
Subtotal$______
WANTS (娯楽費)
Non-essential pleasures
___/___________$______
___/___________$______
___/___________$______
___/___________$______
___/___________$______
___/___________$______
Subtotal$______
CULTURE (自己投資)
Books, education, self-growth
___/___________$______
___/___________$______
___/___________$______
___/___________$______
___/___________$______
___/___________$______
Subtotal$______
UNEXPECTED (その他)
Unplanned or emergency expenses
___/___________$______
___/___________$______
___/___________$______
___/___________$______
___/___________$______
___/___________$______
Subtotal$______

MONTHLY SUMMARY

Total Income:¥/$ __________
− Fixed Expenses:¥/$ __________
− Needs:¥/$ __________
− Wants:¥/$ __________
− Culture:¥/$ __________
− Unexpected:¥/$ __________
Amount Saved
¥/$ __________
Savings Goal
¥/$ __________
Goal Reached?
YesNo

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 Template

The original Japanese Kakeibo budgeting template with monthly income tracking, e...

Kakeibo Monthly Review Worksheet

家計簿 · End-of-Month Reflection & Analysis

kakeibo-templates.com

Month:
Year:
1

START OF MONTH PLAN (complete on Day 1)

Total Expected Income

Fixed Expenses

Savings Goal This Month

How can I improve compared to last month?

2

SPENDING BY CATEGORY

Needs (生活費)

Week 1 total:
Week 2 total:
Week 3 total:
Week 4 total:
Month total:

Wants (娯楽費)

Week 1 total:
Week 2 total:
Week 3 total:
Week 4 total:
Month total:

Culture (自己投資)

Week 1 total:
Week 2 total:
Week 3 total:
Week 4 total:
Month total:

Unexpected (その他)

Week 1 total:
Week 2 total:
Week 3 total:
Week 4 total:
Month total:
3

MONTHLY FINANCIAL SUMMARY

Total Income
— Fixed Expenses
— Needs
— Wants
— Culture
— Unexpected

ACTUAL SAVINGS THIS MONTH

SAVINGS GOAL

4

END-OF-MONTH — THE FOUR KAKEIBO QUESTIONS

1. How much money did I have available this month?

2. How much did I actually save? Was it close to my goal?

3. How much did I spend in total — and in which categories?

4. How can I improve next month? What specifically will I change?

Best Purchase

One purchase I am genuinely glad I made:

Regretted Purchase

One purchase I wish I had skipped:

Spending Trigger

Emotion or situation that caused overspending:

ONE RULE FOR NEXT MONTH

Write one specific, concrete rule — not a vague goal. “I will not buy coffee before checking my daily budget” works. “I will spend less” does not.

Free printable from kakeibo-templates.com · Complete this page on the last day of each month

Kakeibo Monthly Review Worksheet

A focused end-of-month Kakeibo reflection worksheet. Covers the four Kakeibo que...

Kakeibo Weekly Spending Tracker

家計簿 · Seven days of mindful awareness

kakeibo-templates.com

Week of:
Week Savings Target:
N = NeedsW = WantsC = CultureU = Unexpected
DayNeeds (N)Wants (W)Culture (C)Unexpected (U)Day TotalNotable Purchase
Monday
Tuesday
Wednesday
Thursday
Friday
Saturday
Sunday
WEEK TOTAL

SAVINGS PROGRESS

Income this week:
Total spent:
Saved this week:

Progress toward week target:

$0Target: $________

CATEGORY BREAKDOWN

Needs
/ budget:
Wants
/ budget:
Culture
/ budget:
Unexpected
/ budget:

WEEKLY REFLECTION (家計簿問答)

1. What spending felt worthwhile this week?

2. What was automatic or impulsive — and why?

3. What will I do differently next week?

Free printable from kakeibo-templates.com · Print one sheet per week

Kakeibo Weekly Spending Tracker

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