Always know how many days you have left.
Yobi combines Japanese Kakeibo mindfulness with forward-looking balance projections, so you can make financial decisions without panic.
The problem
Most budgeting apps tell you
where your money went.
Yobi tells you where it's going.
Before Yobi
You check your balance and feel vague dread. You don't know if you're okay.
After Yobi
You open the app and see 47 days of runway. You know exactly what's coming.
Projection + intention.
Not just history.
The Kakeibo method
120 years old.
Built for today.
The Japanese household ledger created by Motoko Hani in 1904, reduces personal finance to four honest questions. Yobi answers all of them.
Your runway, at a glance.
Yobi shows you one number that matters: how many days until your balance hits zero, combining all your accounts with live FX rates. Green means go. Amber means watch. Red means act.
Test your decisions before you make them.
Tap any planned expense to toggle it off. Watch your runway extend in real time. Yobi turns "should I buy this?" into a concrete, visual answer.
Kakeibo pillars
Not just what you spend,
but why.
Traditional budgets sort expenses into categories. Kakeibo sorts them by intention. Every purchase in Yobi belongs to one of four pillars โ not to judge, but to help you understand yourself.
Survival
The non-negotiables. Rent, groceries, health, transport. What keeps life running.
Optional
Life's pleasures. Dining out, travel, subscriptions, treats. The texture of living.
Culture
Investment in yourself. Books, courses, gym, therapy. The long game.
Extra
Life's surprises. Gifts, repairs, vet bills, the unexpected. Held with openness.
How the four pillars distribute across a typical month.
Every transaction asks: is this a need, a want, a growth investment, or a surprise? The answer trains your awareness over time.
The ritual that makes the difference.
At the start of each month, Ko gently walks you through how last month went. Not as judgment. As curiosity. Three questions. A pillar breakdown. A quiet letter from Ko. Five minutes of honest reflection.
"Your Optional spending was down 18% from last month. What changed?"
Everything in one place
Built for lives that
don't fit one country.
Six features for anyone whose income and life cross borders, banks, and currencies.
Multi-currency wallets
Each currency in its own wallet. Totals convert at live rates, automatically.
Recurring payments
Log subscriptions and retainers once. Yobi projects them forward so your runway stays accurate.
Multi-account
Connect multiple banks and wallets. Every balance in one view.
Quick pay
Save frequent payment flows and trigger them with a single tap.
Envelope tracking
Divide your budget into named envelopes and watch what remains in each.
Spending insights
See how your spending shifts across weeks and income cycles, patterns no list can show.
"ๅฎถ่จ็ฐฟ: The Japanese practice of recording every yen with intention has guided households for over a century. Yobi brings this discipline into the age of independent work."
"I stopped dreading my balance and started understanding it."
"The pillars changed how I think about money, not just track it."
"Ko's letter made me laugh and then actually think."