楽天家計簿‐お金を管理・節約できる人気の家計簿（かけいぼ） 2.0.4

The Rakuten Household Budget App offers a comprehensive visualization of financial flows, allowing users to manage their finances more effectively through an intuitive asset management interface. It facilitates seamless integration with various Rakuten services such as Rakuten Card, Rakuten Bank, Rakuten Securities, and Rakuten Points, as well as with external banking and financial institutions.

This application aims to assist users in optimizing their financial management, enabling them to accumulate Rakuten Points and enjoy savings opportunities in their daily lives. It is particularly suited for individuals seeking to understand their monthly income and expenses, enhance savings, reduce unnecessary expenditures, or streamline their financial records away from cumbersome paper or Excel spreadsheets. Additionally, it supports users looking to unify multiple bank accounts, credit cards, and categorize expenditures such as food and transportation. The app also caters to those wishing to oversee investments within NISA accounts or manage pension assets via iDeCo, as well as monitor the status of Rakuten Cash and Points portfolios.

Core features of the Rakuten Household Budget App include:

• Simple login through Rakuten ID for quick access
• Unlimited linkage with non-Rakuten banking and financial services, enhancing flexibility
• Regular updates on current promotions and campaigns offered by Rakuten

Basic operational steps involve linking bank, securities accounts, credit cards, and other services by entering login credentials, then reviewing automatically generated expense and income records within the "Income/Expense," "Transactions," or "Assets" tabs. Users are encouraged to periodically review their financial data for better insight into cash flow.

Advanced usage tips include categorizing ambiguous transactions, managing cash transactions via a dedicated "Wallet" account, customizing aggregate settings, linking with e-commerce and points programs for detailed tracking, and annotating individual entries with notes for meticulous record-keeping.

Main functionalities comprise:

• Reviewing deposit and withdrawal histories chronologically
• Monitoring monthly income and expenditure by categories
• Viewing balances across multiple linked accounts within Rakuten and external services
• Assessing overall asset and liability status at a glance

The app's linkage capacity is structured as follows:

• Rakuten Bank: 1 account
• Other Rakuten Group services: unlimited
• External bank accounts: 1 account
• External financial services: up to 3 accounts

It supports integration with over 1,000 financial services including banks, credit cards, securities accounts, electronic money providers, e-commerce platforms, and points cards (as of April 2025). Notable supported institutions include Mitsubishi UFJ Bank, Sumitomo Mitsui Banking Corporation, Mizuho Bank, Japan Post Bank; credit cards such as Rakuten Card, JCB, Sumitomo Mitsui Card, Epos Card, Aeon Card, View Card, AMEX; among many others.

A premium membership option is slated for future release, offering enhanced features such as unlimited account linkages, real-time data updates, exclusive benefits for Rakuten service members, and more. Details will be announced within the app in due course.

Regarding security measures, the application operates under Rakuten’s established security protocols. Users authenticate via their Rakuten ID to ensure safety during service use (more information available at https://corp.rakuten.co.jp/security/).

The app is compatible with Android devices running Android 9 or higher. Usage requires an active Rakuten account. Terms of service and disclaimers follow the guidelines outlined in the "Rakuten Household Budget Service Terms of Use" (https://personal-finance.rakuten.co.jp/agreement/). It is recommended that users review these terms before proceeding.

For further assistance or inquiries, users can consult the FAQ at https://infoseek.faq.rakuten.net/s/ask.