Kakeibo for life in Japan — in English
Budgeting in Japan, in English, still runs into small local things: a receipt printed in kanji, a consumption tax split between standard 10% and reduced 8%, an invoice registration number you are expected to keep on file. Futokoro was built with those in mind. Say what you spent, photograph the receipt, or type a plain sentence — it becomes a quiet, structured record.
Every entry lands on a confirmation card first — one tap to accept, nothing recorded behind your back.
Photograph a receipt and Futokoro reads it — amount, merchant, and the tax-rate split (10% standard / 8% reduced), plus the invoice registration number (T-number) when a receipt carries one. If you are a sole proprietor or freelancer here, that split matters at tax time; Futokoro notes it so you don't have to remember later.
When you need one, a tax evidence pack keeps the original receipt image alongside a SHA-256 fingerprint and a record of when each entry was made and edited — the kind of trail Japan's electronic bookkeeping retention rules (denshi-chobo hozon) call for. Export it and hand it to your tax accountant (税理士). Everything tax-related in the app is general guidance; the calls that matter belong to a licensed professional.
Futokoro isn't trying to replace freee, Money Forward, or Yayoi. It is the layer before them — CSV export feeds straight in, whenever you like.
Japan keeps its own ledger of social exchange — congratulatory gifts, condolence money, who gave what at whose wedding. Futokoro has a dedicated okuriai record for exactly that, kept separate from everyday spending.
No balance-reconciliation pressure, no red alerts. Futokoro is a record of what happened and how it felt, not an audit. A living garden view grows with your records, a letter arrives at the end of each month, and a year-end wrap gives you a quiet look back.
Built-in household sharing for couples and families, including split-bill (warikan) settling — but every entry defaults to private. You choose what to share, and revoke it any time.
Futokoro does not read your email or texts to auto-import transactions. There is no advertising SDK. Your data lives in Tokyo-region infrastructure, is used only to serve your own ledger, and can be exported or permanently deleted any time from Settings.
The app speaks Japanese, English, and Traditional Chinese — it follows your device, and you can change it in Settings.