Zaim

Zaim is a budgeting & credit service operated by Kufu Company Inc., headquartered in Tokyo, Japan. Founded in 2011, the operator is privately held; partial Credit Saison investment in 2020. The current product is sold under the tier ladder Free / Premium, with the anchor reference price at Premium at JPY 480 (~USD 3.30) per month or JPY 4,800 per year in 2026. This 2026 review summarises the operator, current pricing, differentiating capabilities and the 2025-2026 buying signal worth weighing before subscribing.

Quick facts

• Operator: Kufu Company Inc.
• Headquarters: Tokyo, Japan
• Public-market status: privately held; partial Credit Saison investment in 2020
• Founded: 2011
• Current tiers: Free / Premium
• Anchor price (2026): Premium at JPY 480 (~USD 3.30) per month or JPY 4,800 per year in 2026
• 2025-2026 differentiator: 2025-2026 added AI receipt-OCR auto-categorisation and an expanded bank-integration list covering most Japanese megabanks and regional banks

What is Zaim?

Zaim is operated by Kufu Company Inc. out of Tokyo, Japan. Japanese budgeting app competing with MoneyForward ME, Money Tree and OsidOri. The product is sold through https://zaim.net and supporting mobile apps, billed in local currency per market.

Why choose Zaim?

The case for Zaim centres on three points: a defined operator (Kufu Company Inc., founded 2011); a current product slate that matches the budgeting & credit buying signal; and a 2025-2026 differentiator (2025-2026 added AI receipt-OCR auto-categorisation and an expanded bank-integration list covering most Japanese megabanks and regional banks) that distinguishes 2026's proposition from prior years.

Operator credibility

Kufu Company Inc. has been active since 2011 and is currently privately held; partial Credit Saison investment in 2020. That history matters because the budgeting & credit category is crowded with shorter-lived operators; buyers reasonably weight a multi-year track record alongside the current feature list.

Plan structure and pricing anchor

The tier ladder is Free / Premium, with the anchor reference price at Premium at JPY 480 (~USD 3.30) per month or JPY 4,800 per year in 2026. Confirm live regional prices on the operator's site and consult Subger's true-price tracker for Zaim for the actual all-in renewal cost after taxes, FX and promotional anchors.

2025-2026 product signal

The most material development to weigh for 2026 is: 2025-2026 added AI receipt-OCR auto-categorisation and an expanded bank-integration list covering most Japanese megabanks and regional banks. This is the change that distinguishes the current subscription proposition from the prior year and the comparable point on competitor roadmaps.

Zaim features that matter in 2026

Highlights of the current feature set:

• Japanese budgeting and personal-finance tracking
• Bank, credit-card and e-money sync via 1,500+ Japanese institutions
• Receipt OCR via mobile camera
• Asset and net-worth dashboard
• Goal-based budgeting
• Family-share for spouse account access

The features above are the ones Zaim markets in 2026. Treat the 2025-2026 differentiator — 2025-2026 added AI receipt-OCR auto-categorisation and an expanded bank-integration list covering most Japanese megabanks and regional banks — as the live signal that separates the current product from past-year reviews of the same brand.

Zaim pricing in 2026

The anchor reference price for 2026 is Premium at JPY 480 (~USD 3.30) per month or JPY 4,800 per year in 2026. The full tier comparison:

Subger pairs the public price with the actual all-in cost (taxes, FX conversion, promotional first-period anchors that step up at renewal):

Zaim apps and platform support

Data integrations

In the budgeting & credit category, the variables that move buyer decisions are institution coverage, sync reliability and security model. Zaim's answer to those variables is shaped by Kufu Company Inc.'s 2025-2026 priorities, with the differentiator above the most current public signal. Japanese budgeting app competing with MoneyForward ME, Money Tree and OsidOri.

Reading the competitive set

The decision usually comes down to: (a) operator regional / vertical fit, (b) whether the tier ladder matches usage, and (c) whether the 2025-2026 differentiator is worth the headline price versus the substitutes.

Where Zaim fits best

Strongest fit is buyers who specifically want Kufu Company Inc.'s positioning and the current differentiator (2025-2026 added AI receipt-OCR auto-categorisation and an expanded bank-integration list covering most Japanese megabanks and regional banks).

Who Zaim fits

Zaim is a good match for the following buyers:

• The category-focused subscriber who wants a budgeting & credit service from a named operator (Kufu Company Inc.) rather than a generic global aggregator.
• The tier-conscious buyer evaluating the ladder (Free / Premium) and willing to pay up for the feature set above.
• The 2026 buyer who specifically wants the operator's current differentiator: 2025-2026 added AI receipt-OCR auto-categorisation and an expanded bank-integration list covering most Japanese megabanks and regional banks.
• The substitute-aware buyer weighing Zaim against the named competitive set in the positioning line.
• The cross-device user who needs apps across the platforms shown in the table above plus a credible upgrade path as new tiers ship.

Frequently asked questions

How much does Zaim cost in 2026?

The anchor reference price is Premium at JPY 480 (~USD 3.30) per month or JPY 4,800 per year in 2026. The full tier list (Free / Premium) is summarised in the pricing table above. Confirm live regional prices on the operator's site and pair with Subger's true-price tracker for the actual renewal cost.

Who operates Zaim?

Zaim is operated by Kufu Company Inc., headquartered in Tokyo, Japan. The operator was founded in 2011 and is privately held; partial Credit Saison investment in 2020.

What is Zaim's 2025-2026 differentiator?

2025-2026 added AI receipt-OCR auto-categorisation and an expanded bank-integration list covering most Japanese megabanks and regional banks. This is the most current public signal on the operator's product roadmap and the change that separates 2026 reviews from 2024 reviews of the same brand.

What platforms does Zaim support?

Coverage spans the surfaces shown in the platform table above. The current mobile, web and (where applicable) device apps are the recommended way to consume the service; older first-generation devices may be deprecated in successive releases.

How do I cancel Zaim?

Cancel through the account or subscription settings on the surface where you bought the plan: the operator's website for direct subscriptions, the App Store or Google Play for in-app purchases, or the partner billing portal for bundled subscriptions. Subger's cancellation guide walks through each route step-by-step.

Does Zaim offer a family, household or multi-user plan?

Family or multi-account structures depend on the tier. Higher tiers commonly add multi-profile, multi-device or multi-line support; entry tiers may restrict simultaneous seats. Confirm the per-tier seat or device limit on the live pricing page.

Is Zaim worth it compared to alternatives?

It depends on three factors: the feature mix you'll use, the regional price after taxes (Subger's true-price tracker reconciles headline vs renewal cost), and credibility of the 2025-2026 roadmap. Budget-constrained users may prefer the entry tier or wait for promotional pricing.

How can I track price changes for Zaim?

Subger's renewal tracker for Zaim records list-price changes plus promotional anchors over time. Pair it with the deals page for current discount offers and the promo codes page for stackable savings at signup.

Get started with Zaim

Confirm the current regional price on the operator's site (https://zaim.net), choose the tier that matches your usage (Free and Premium are the most common starting points), and check Subger's deals page for Zaim for promotional anchors before completing checkout. Track the subscription's true renewal cost with the true-price tracker once you're signed up.

Related Subger guides

• Cancel Zaim guide
• Latest Zaim deals
• Zaim promo codes
• Zaim true-price and renewal tracker
• All services on Subger