ミライノート - ライフプラン・家計シミュレーション

ミライノート

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About this app

Mirai Note is a free life planning and household budget management app that allows you to simulate your future household finances up to age 100. It visualizes everything from the 20 million yen retirement fund problem, education expenses, mortgages, pensions, and NISA/iDeCo in one app.

▼ Recommended for:
・Those who want to alleviate future financial anxieties
・Those worried about having enough retirement funds
・Those who want to plan for housing purchases and education expenses
・Those who want to know how much pension and retirement allowance they will receive
・Those who want to estimate the long-term effects of NISA and iDeCo
・Those who want to compare and consider multiple life plans
・Those who want to do their own calculations before consulting a financial planner (FP)
・Those aiming for FIRE (Financial Independence, Retire Early)
・Those who are no longer satisfied with household budget apps

▼ Main Features

【Life Plan Creation】
・Cash flow forecast up to age 100
・Detailed input of income, expenses, assets, and liabilities
・Asset trend graph by age
・Automatic alert for when deficits occur

【Simulation Function】
・Housing purchase vs Rental Comparison
• Mortgage Repayment Plan (Variable and Fixed Interest Rate Options)
• Estimated Children's Education Costs (From Kindergarten to University)
• Estimated Pension Benefits
• Retirement Fund Investment Simulation
• Investment Effects of NISA (Accumulated Investment and Growth Investment)
• Tax-Saving Effects of iDeCo and Retirement Asset Formation
• Comparison of 3 Scenarios (Optimistic, Standard, Pessimistic)

【Financial Analysis】
• Financial Health Score out of 100 Points
• Visualization of Cash Flow Ratio
• Confirmation of Asset Allocation
• Parallel Comparison of Multiple Plans

▼ Detailed Household Management with 16 Input Categories
Profile, Income, Living Expenses, Children, Housing, Other Income and Expenses, Savings & Investment, Accumulated Investment, Debt & Insurance, Pension, Retirement, Care & Medical Care, Social Security & Tax, Risk Analysis, Inheritance & Gifts, Goal Setting

▼ Five Features of Mirai Note
1. Completely Free — All Functions Available Without Restrictions
2. No Account Registration Required — No Need to Enter Email Address, etc.
3. Privacy-Focused — Data Stored Only on Your Smartphone
4. Offline Support — Usable Without Internet Connection
5. Simple UI — Designed for Ease of Use, Even Without Expertise
▼ Usage Scenarios
• Want to Plan Future Finances After Getting Married
• Want to Know How Much Money is Needed for Children's Education
• Want to Compare Buying a Home versus Renting
• Want to Check if the "20 Million Yen Retirement Problem" Applies to Me
• Want to Estimate Income Changes Due to Job Change or Self-Employment
• Want to Check the Effectiveness of Asset Management (NISA/iDeCo)
• Want to Decide on an Investment Strategy for Retirement Funds
• Want to Prepare for Parental Care Costs
• Want to Start Preparing for Inheritance/Gifts

▼ This App Solves These Problems
"Can I Live in Retirement on Just My Pension?"
"How Much Will the Education Costs for Two Children Become?"
"When is the Best Time to Buy a Home?"
"Which Should I Prioritize: NISA or iDeCo?"
"How Much Do I Need to Invest Monthly to Achieve FIRE?"
Mirai Note Can Answer These Questions Using Your Own Data.


▼ Why Mirai Note?
If a household budget app is a tool for recording the "past," then a life planning app is a tool for designing the "future." Mirai Note is a free app specifically designed to visualize your future household finances. Because it's a long-term simulation up to age 100, you can see the entire flow of money throughout your life, from retirement funds and pensions to inheritance, at a glance.

▼ Privacy Policy
Mirai Note does not collect any personal or financial information. All data is stored only on your smartphone and is never sent to external servers. You can use it with peace of mind.

Visualize your future anxieties and start creating a secure life plan today. Understand the "overall picture of your life's finances" that you couldn't see with just a household budget app, using Mirai Note.