みとおし手帳 — 月末の残高がわかる無料の家計管理アプリ（家計簿）を作った理由

みとおし手帳 — 月末の残高がわかる無料の家計管理アプリ（家計簿）を作った理由 | Tsukutta

What We Wanted to Solve

"How much money do I have left to spend freely this month?"—Most household account books can't answer this question right away. While they can record transactions, they don't reflect what's coming up (rent, card payments, subscriptions, payday).

And there's another question they don't answer: "How much will today's shopping cost roughly?" We only realize "I spent more than I thought" when we see the total at the register—we wanted to change that cycle.

What Mitoshi Techo (Outlook Handbook) wanted to solve was: "knowing how much money will go out before you spend it."

If you write down your plans in advance, the amount remaining at month's end (= mitoshi/outlook) appears automatically
If you jot down your menu plans or things you want to buy in your kago (basket), you'll know the rough total before shopping. You can use it as-is as a shopping list at the store
When you "decide" on your kago, it becomes a kiroku (record) right away and reflects in your household finances. No need to re-enter data while looking at receipts
By separating the date you use your card from the date it's withdrawn, you prevent the problem of "feeling like I didn't spend anything, but it hits later"

Rather than "reflecting on a graph after overspending," you can see the amount you'll spend and the amount you'll have left before buying, and act in a way that keeps you from going negative. That's the core purpose of this app.

Why We Made It

Existing household account apps are high-function and wonderful, but I felt many of them assume accounting terminology as a prerequisite. "Assets," "liabilities," "expense categories," "allocation"—for part-time working housewives, college students living alone, couples just starting to live together, friends in a share house. The more casually people want to talk about money, the more they drop out because of that language barrier.

Another thing: I myself repeatedly found myself in a state of "I record things, but what am I supposed to do with that information?" There were tools for looking back, but no tool that told me how to move forward. Especially with daily shopping—deciding on a menu, writing a memo, buying at the supermarket, then entering it into the account book later. That "memo" and "account book" were always separate, and it was always a hassle.

So instead of a household account book, we decided to make a "life handbook." You create a kago (shopping list) from your menu plans, look at it while shopping at the store, then "decide" when you get home to turn it into a kiroku (record). Records can be classified with fusen (colored sticky notes), which directly affects your mitoshi (month-end balance). Writing things down becomes household management itself. Open it like a handbook, and anyone can use it from today. No technical jargon whatsoever. We put just one thing in the center: "If you enter your plans, you'll know how much money you'll have left at month's end—that's convenient."

What We Focused On

Combining "shopping memo" and "household account book" into one

When you jot down your menu plans or things you want to buy in your kago, you see the rough total before shopping. At the store, it becomes your shopping list, and when you get home, just "decide" and it transforms into a kiroku that reflects in your finances. No more double work of noting, buying, and re-entering.

Using no technical jargon whatsoever

"Income/expenses" become "kiroku," categories become "fusen," month-end balance becomes "mitoshi," pre-shopping memos become "kago." Even without knowing accounting, the UI language is built entirely so you can understand operations just from the handbook metaphor. We avoid confusing words like "confirm," and deciding on a kago is consistently called "decide."

Erring on the side of caution with estimates

Plan amounts are set slightly higher, incoming money only counts what's certain. It's better to underestimate and have leftovers than overestimate and come up short. Mitoshi is always designed to lean toward the safe side.

Thinking in terms of "when money moves"

The day you buy something and the day money actually leaves your account are different. By arranging card payments and salary by "when money moves" as the standard, your month-end balance won't diverge from reality. It's the best of both accrual and cash accounting.

The feel of a real handbook

The color of sticky notes, the act of jotting things in your kago, the sensation of turning pages. When adding features, we think about the presentation so it looks like "a handbook page" rather than "a financial management tool screen," keeping the world intact.

For one person or many

From personal spending management for someone living alone to a shared handbook for couples or share houses. With a light unit called "members," you can tag "whose expense" it is, and you can divide shopping tasks. It doesn't have the weight of a shared account book, but you can still clearly see who bought what.

解決したかったこと

「今月、自由に使えるお金はあといくら?」——この問いに、ほとんどの家計簿はすぐ答えてくれません。記録はできても、これから出ていく予定（家賃、カード
引き落とし、サブスク、給料日）が反映されないからです。

そして、もうひとつ答えてくれないのが
「今日の買い物、だいたいいくらになる?」。レジで合計を見て初めて「思ったより使った」と気づく——その繰り返しを変えたかった。

みとおし手帳が解決したかったのは、「これから出ていくお金が、使う前にわかる」こと。

予定を先に書いておけば、月末に手元へ残る金額（=みとおし）が自動で見える
献立や買いたいものをかごに書き留めておけば、買い物前に合計の目安額がわかる。そのまま買い物リストとしてお店で使える
かごを「決定」すれば、そのままきろくになって家計に反映。レシートを見ながら入力し直す手間がない
カードの利用日と引き落とし日を分けて扱うから、「使った気がしないのに後で効いてくる」も防げる

「使いすぎてからグラフで反省する」のではなく、買う前に "かかる額" と "残る額"
がわかって、マイナスにならないように動ける。それがこのアプリのいちばんの役割です。

なぜ作ろうと思ったか

既存の家計簿アプリは高機能で素晴らしいのですが、会計の言葉が前提になっている
ものが多いと感じていました。「資産」「負債」「費目」「按分」——パート勤務の主婦、ひとり暮らしの大学生、同棲を始めたばかりのカップル、シェアハウ
スの友人同士。お金の話を気軽にしたい人ほど、その言葉の壁で続かなくなってしまう。

もうひとつ、自分自身が「記録はするけど、結局それを見て何をすればいいの?」という状態に何度もなりました。振り返るためのツールはあるのに、これから
どう動けばいいかを教えてくれるツールがなかった。特に毎日の買い物——献立を決めて、メモを書いて、スーパーで買って、あとで家計簿に打ち込む。この「
メモ」と「家計簿」がいつも別々なのが、ずっと面倒でした。

だから、家計簿ではなく「生活の手帳」を作ることにしました。献立から
かご（買い物リスト）を作り、お店ではそれを見ながら買い、帰ったら「決定」してきろくにする。きろくは
ふせん（色付き付箋）で分類でき、みとおし（月末の残り）にそのまま効いてくる。書き留めることが、そのまま家計管理になる。手帳を開く感覚で、誰でも
今日から使える。専門用語は一切なし。「予定を入れておけば、月末に残る金額がわかって便利」——それだけを真ん中に置きました。

こだわったところ

「買い物メモ」と「家計簿」をひとつにした\

献立や買いたいものをかごに書き留めると、買い物前にだいたいの合計額が見える。お店ではそれが買い物リストになり、帰ってきたら「決定」
するだけできろくに変わって家計へ反映。メモして、買って、また打ち直す——その二度手間をなくしました。

専門用語をひとつも使わない\

「収入/支出」は「きろく」、分類は「ふせん」、月末残高は「みとおし」、買い物前のメモは「かご」。会計を知らなくても、手帳のメタファーだけで操作が
理解できるUI文言に徹底的にこだわりました。「確定」のような紛らわしい言葉も避け、かごの決定は「決定する」で統一しています。

"安全側に倒す" 見積もり\

予定金額は少し多めに、入ってくるお金は確実な分だけ。過大に見積もって足りなくなるより、過少に見積もって余るほうがいい。みとおしは常に安全側へ寄
せる設計です。

「お金が動く日」で考える\

買った日と、実際に口座からお金が出ていく日は違う。カード払いも給料も、"お金が動く日"
を基準に並べ替えることで、月末の残高が現実とズレません。発生主義と現金主義のいいとこ取りです。

手帳らしい手ざわり\

ふせんの色、かごに書き留める所作、ページをめくる感覚。機能を足すときも「家計管理ツールの画面」ではなく「手帳のページ」に見えるよう、世界観を崩さ
ない演出をセットで考えています。

ひとりでも、みんなでも\

ひとり暮らしのお小遣い管理から、カップル・シェアハウスの共同の手帳まで。メンバーという軽い単位で「誰の支出か」をタグ付けでき、買い物かごも分担で
きる。共有家計簿のような重さはなく、でも誰が何を買うかはちゃんと見える。