Don’tMottainai
23 small purchases add up
Purchases under Rs 1,000 came to Rs 14,600 this month. At this pace, that’s about Rs 178,000 a year.
ඉතුරු · what remains
Save what’s left. Then a little more.
Ithuru brings Japan’s 120-year-old Kakeibo ledger to Sri Lankan rupees. Track every cent, plan every rupee, and get honest advice on what to keep doing and what to stop.
No card needed. No bank login needed. Free Lite plan forever.
The Mottainai calculator
What does one small habit really cost?
That adds up to
Rs 127,400
every year
- Over 5 years
- Rs 637,000
- If saved at 8% instead
- Rs 785,280
Illustration only: 8% a year compounded monthly. Actual savings and fixed deposit rates vary.
Every rupee lives in one of four pillars
Kakeibo sorts spending by why you spent, not only on what. Once you see the split, you know exactly where your money is going.
50%
25%
10%
15%
- Needs
- Rent, groceries, CEB bill, bus fare, school fees
- Wants
- Eating out, new clothes, streaming, gadgets
- Culture
- Books, courses, dana, a trip to the hills
- Unexpected
- Bike repair, hospital visit, a wedding gift
One calm rhythm, every month
- 1
Plan
On salary day
Write your intention for the month, set a savings goal, and give every rupee a job in an envelope.
- 2
Track
Every day, five seconds
Log each expense as it happens. Pick a category, and if you like, tag how it felt: joy, neutral or regret.
- 3
Reflect
On the last day
Answer the four Kakeibo questions with your real numbers and choose one small Kaizen step for next month.
Seven Japanese money wisdoms, built in
Each one is a feature you use, not a quote on a wall.
家計簿
Kakeibo
The household ledger. Write down every rupee, sort it into four pillars, and reflect at month end.
Every category belongs to Needs, Wants, Culture or Unexpected. Each month opens with an intention and closes with the four Kakeibo questions.
積立
Tsumitate
Small, steady accumulation. Save a fixed amount every month, automatically, and let time do the heavy lifting.
Goals with a monthly tsumitate amount, the exact sum needed to reach a date, and a progress ring that fills month by month.
もったいない
Mottainai
What a waste. Respect what you have. Small leaks sink big ships.
A waste detector that finds small repeating purchases, unused subscriptions and spending you tagged as regret, and shows their cost over a year.
高嶺の花
Takane no Hana
The flower on the high peak. Admire beautiful things from a distance. Buy fewer, better ones, on purpose.
A wishlist with a cooling-off timer of 1 to 30 days. If you skip the item, its price is counted as money saved by restraint.
親指交換
Oyayubi Kōkan
Family as a safety net. Plan money together, so one emergency never becomes everyone’s crisis.
Shared family workspaces with roles, shared goals for education, weddings and homes, and an emergency fund measured in months of needs.
収入日誌
Shūnyū Nisshi
The income diary. Record every rupee you earn, not only what you spend.
Income tagged by source (salary, business, freelance, side hustle, gifts, windfalls) with a diversity score that shows how safe your income is.
瞬間を生きる
Shunkan wo Ikiru
Live the moment. Saving is not the goal. A good life is. Spend joyfully on what matters.
Tag each purchase as joy, neutral or regret. See how much of your money creates real joy, then protect that spending and cut the rest.
Advice from your own numbers
Sensei reads your month and tells you plainly what to do and what to stop. No jargon, no generic tips. Every card links to the wisdom behind it, so you learn the why.
- Spots spending spikes against your 3-month average
- Finds small leaks and shows their yearly cost
- Checks your emergency fund in months of needs
- Suggests one Kaizen challenge for next month
DoTsumitate
Savings rate 12%: nudge it to 20%
On salary day, move Rs 4,250 more into savings before spending anything.
Well doneShunkan wo Ikiru
Rs 18,000 spent on real joy
This is money well used. Protect these, cut elsewhere.
Made for life in Sri Lanka
- Rupees first, to the cent. Cash, bank, card, eZ Cash and other wallets side by side.
- Ready-made categories for CEB bills, tuition, dana, three-wheelers and remittances.
- Goals for Avurudu, school terms, weddings and the family emergency fund.
- Pay in rupees through PayHere. Cancel any time.
Run a small business?
Give your team one shared ledger. Track stock, salaries, EPF/ETF and shop rent per branch, see profit by month, and let members add expenses without touching your settings.
See business plansFair prices, in rupees
Less than one kottu a month for Personal Pro. Every new account gets 30 days of Pro, free.
Lite
Start your Kakeibo habit
Free
- Track every rupee
- Kakeibo envelope budget
- 2 accounts, 3 goals
- 6 months of history
- Top 3 Sensei tips each month
Personal Pro
Individuals and families
Rs 490 / month
- Everything in Lite
- Unlimited accounts, goals and history
- Full Sensei advice
- Share with up to 4 family members
- CSV export
Business
Small businesses and sole traders
Rs 2,490 / month
- Everything in Pro
- 5 team members with roles
- Up to 5 workspaces (shops, branches)
- Monthly report email
- Priority email support
Business Plus
Growing teams
Rs 5,990 / month
- Everything in Business
- 20 team members
- Up to 20 workspaces
- Phone support
Questions people ask
What is Kakeibo and does it work in Sri Lanka?
Kakeibo is a Japanese household budgeting method from 1904. You record every expense in four pillars (needs, wants, culture, unexpected) and reflect at the end of each month. It works with any currency because it is about awareness, not banking. Ithuru adapts it for rupees, Sri Lankan bills and festivals.
Do I need to connect my bank account?
No. Ithuru works without bank connections, so your login details never leave your hands. Adding an expense takes about five seconds, and the habit of writing it down is what makes Kakeibo work.
How much does Ithuru cost?
Lite is free forever for one person. Personal Pro is Rs. 490 a month and includes family sharing, unlimited history and full Sensei advice. Business plans start at Rs. 2,490 a month. Every new account gets 30 days of Pro free, no card needed.
How do I pay?
Monthly payments are processed securely by PayHere using Visa, Mastercard and other supported methods. You can cancel any time from the Billing page, and your plan stays active until the end of the paid month.
Can my family or business team use the same account?
Yes. Create a family or business workspace and invite people by email. Owners and admins manage accounts and categories, members add transactions, and viewers can only read.
Is my financial data safe?
Passwords are hashed, connections are encrypted with HTTPS, sessions can be revoked from Settings, and you can export or permanently delete your data at any time, in line with Sri Lanka’s Personal Data Protection Act.
Is there a mobile app?
The Ithuru app for Android and iPhone is on its way and uses the same account, so a transaction added on your phone appears on the web instantly. Until then, the web app works well on any phone browser and can be added to your home screen.
How is Ithuru different from YNAB or other budgeting apps?
Ithuru combines envelope budgeting with the Kakeibo method, prices in rupees from Rs. 0, works without bank feeds, gives advice in plain language from your own numbers, and includes team workspaces for small businesses.
Start with one honest line tonight.
Write down what you spent today. That’s the whole first step.
Create my free account