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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
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Free Kakeibo Monthly Review Worksheet – End-of-Month Reflection PDF

A focused end-of-month Kakeibo reflection worksheet. Covers the four Kakeibo questions, spending category totals, best and regretted purchases, emotional spending triggers, and one rule for next month. For people who track but never reflect.

Best for

People who already track expenses but skip the month-end reflection — the one step where Kakeibo's behaviour change actually happens.

Time Required
20-30 min/month
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 Monthly Review Worksheet — print it and use it immediately.

  • The Four Kakeibo Questions

    Guided boxes for all four reflection questions at both month-start and month-end

  • Category Spending Summary

    Fill-in totals for Needs, Wants, Culture, and Unexpected alongside your savings goal vs actual

  • Best Purchase of the Month

    Record one purchase you are genuinely glad you made — reinforces intentional spending

  • Regretted Purchase

    Write the one purchase you wish you had skipped — the most powerful behaviour-change prompt

  • Spending Trigger Analysis

    Identify the emotion or situation that caused your biggest unplanned expense this month

  • One Rule for Next Month

    Close with one specific, actionable rule — the most important line on the page

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

Fill in Month-Start on Day 1

Answer questions 1 and 2 (income and savings goal) at the very start of each month before spending.

2

Track Expenses Throughout the Month

Use any tracker — this worksheet, the daily tracker, or a notebook. The review worksheet needs totals at month-end.

3

Complete the Review on the Last Day

Tally your category totals, calculate actual savings, and fill in the summary section.

4

Answer the Reflection Questions Honestly

Best purchase, regretted purchase, and spending trigger are not about shame — they are about noticing patterns.

5

Write One Rule for Next Month

Make it specific: "I will not open food delivery apps after 8 pm" beats "I will spend less on food".

Frequently Asked Questions

Related Templates

Kakeibo Journal

家計簿 · The Japanese Art of Mindful Budgeting

kakeibo-templates.com

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

Kakeibo Journal Template

A complete printable Kakeibo journal with monthly income plan, daily expense log...

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

A weekly Kakeibo spending tracker with Monday-to-Sunday rows, category columns f...

Kakeibo

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

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