返済の道 · The Path of Repayment

Japanese Finance Tools

Four free, offline tools inspired by Japanese money philosophy. Your data stays in your browser — nothing is sent to a server.

家計簿

Kakeibo Monthly Journal

Interactive household ledger. Set monthly intentions, track spending across four categories over four weeks, and reflect with Motoko Hani's four questions.

腹八分

Hara Hachi Bu Calculator

The Okinawan 80% rule applied to your budget. See your spending ceiling, debt weapon, and projected debt-free date at 20% discipline.

風呂敷

Furoshiki Budget Planner

Wrap your income in five cloth categories — Needs, Debt, Wants, Culture, and Reserve. Visual sliders that must total 100%.

反省

Hansei Debt Journal

Monthly self-reflection on your debt journey. Track balances over time, answer four Hansei prompts, and see your progress chart.