Money left over at month end
Saving comes first in the plan, so it happens before the spending does. Your cushion grows month after month.
Kakebo × 50 / 30 / 20
Digital Kakebo and 50 / 30 / 20 budgeting
Save first, spend consciously. Calm, mindful budgeting that helps you save money every month, stay in budget, and know where it goes.
- Browser-based
- Private by design
- Anonymous mode
- English + Deutsch
- Data hosted in the EU
October at a glance
Kakebo + 50 / 30 / 20
Essentials
980 €
Optional
520 €
Entertainment
360 €
Extras
240 €
Needs 50%
Wants 30%
Savings 20%
Savings verdict: on track
From money stress to money clarity
You know where every cent goes
One calm view of the month — what came in, what went out, and where. No surprises when the month closes.
On track before it's too late
Mid-month verdicts tell you how you're doing while you can still act — not after the money is gone.
Five calm minutes, not spreadsheet stress
The ritual is simple on purpose: plan, live, reflect. Budgeting that feels like a pause, not a chore.
What you get
Make room for savings first
Plan the month before it starts: income, fixed costs and savings first — then spend the rest consciously in four Kakebo categories.
See if your spending is on track
Use the 50 / 30 / 20 rule to split your income into needs, wants and savings. Every month Egopay shows your bucket verdict — and reconciles both methods when you use them together.
Plan without sharing your bank details
The planner works anonymously in your browser, without an account. With an account your data lives on EU servers. We never access your bank.
Budget together
Invite your partner or family to one shared budget. Free is for one person; Plus adds a second seat and Premium seats for up to five.
How it works
1. Plan
Set your income, savings and category budgets for the month — in the Kakebo way, the 50 / 30 / 20 way, or both.
2. Track
Add transactions as you go, on any device — the app keeps working offline and syncs when you are back.
3. Close the month
Read your bucket verdicts, write a short reflection, and let the forecast guide next month.
Pricing
Free
€0forever
The full core for one person.
- 50 transactions per month
- 12 months of visible history
- Kakebo and 50 / 30 / 20 methods
- Goals, forecasts and month-end reflection
- 1 seat
Plus
€4.99per month
For households that share a budget.
- Unlimited transactions and history
- Everything in Free
- 2 seats — you and one partner
Premium
€9.99per month
For the whole family.
- Unlimited transactions and history
- Everything in Plus
- 5 seats
The free version has no time limit — try it as long as you like. You can cancel a paid plan at any time in your account settings.
Frequently asked questions
How fast can I start?
In minutes. Try the planner without an account — create one when you want to keep your months. The free version has no time limit.
What is Kakebo?
Kakebo is the Japanese household book: decide your savings first, then plan what remains across four spending categories. Egopay turns that ritual into a monthly digital workflow.
What is the 50 / 30 / 20 rule?
A simple split of your net income: 50% needs, 30% wants, 20% savings. Egopay tracks the three buckets and shows your verdict each month — and the split can be adjusted to your situation.
Is Egopay free?
Yes — the free version covers the full core and has no time limit. Paid plans only add unlimited history and seats for sharing.
Does Egopay access my bank account?
Never. You enter your numbers yourself (or import a file) — Egopay has no connection to any bank.
Where is my data stored?
The anonymous planner keeps everything in your browser. With an account, your data is stored on servers in the European Union. Details are in the Privacy Policy.
Can I cancel a paid plan anytime?
Yes. The Cancel contract button in your account settings ends the plan at the end of the paid period. Statutory withdrawal rights apply — see Right of withdrawal & refunds in the Terms.
Which languages are available?
The app speaks English and German today. Legal pages and this website are available in seven languages; more app languages are planned.
Start your first budget month
No account needed to try the planner — create one when you want to keep your months.