October 2026 Kakeibo Budget Planner - Free Printable PDF
A free printable October 2026 Kakeibo budget planner on one A4 page. Log income, fixed and variable expenses, plan spending across the four Kakeibo groups (Needs, Wants, Culture, Unexpected), set a savings goal, and close the month with the four Kakeibo reflection questions.
Anyone who wants the full Kakeibo method for October 2026 on a single calm, printable page — income, expenses, the four spending groups and the month-end reflection all in one place.
Free to use • No email required • Instant PDF download
What's Included
Every section of this free October 2026 Kakeibo Planner — print it and use it immediately.
Monthly Income
List every October income source with its amount and a running total at the bottom
Fixed and Variable Expenses
Separate tables for fixed bills and day-to-day spending, with each variable expense tagged Needs, Wants, Culture or Unexpected
Monthly Overview Chart
A four-group Kakeibo chart with boxes for planned spending on Needs, Wants, Culture and Unexpected
Spending Categories Table
Planned, actual and difference columns for each Kakeibo group so you can see exactly where October went over or under
Savings Goal
Write the goal, the target amount and why it matters before the month starts
Closing Reflection
The four classic Kakeibo questions: How much money do I have? How much would I like to save? How much am I spending? How can I improve?
Looking for a different format? Browse all free Kakeibo templates including the classic journal, couple budget, and GoodNotes planner.
How to Use This Template
Download and Print
Download the free PDF and print it on A4 or US Letter. One sheet covers all of October 2026.
Fill In Income and Fixed Expenses
Before 1 October, list the income you expect and the fixed bills due this month.
Set Your Savings Goal
Write the target amount and why it matters to you before you spend anything.
Plan the Four Groups
Split what is left across Needs, Wants, Culture and Unexpected in the overview and spending categories table.
Log Variable Expenses
Record each purchase with its date and Kakeibo category as October goes on.
Reflect on 31 October
Total the actual column, fill in the differences and answer the four reflection questions before starting November.
Frequently Asked Questions
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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?
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