Money Forward — Free Service Overview

Money Forward is Japan's leading personal finance management and SME cloud-accounting platform, competing with Freee K.K. and Yayoi. This page tracks live pricing tiers, supported platforms, and the practical use cases where Money Forward fits into a household or business subscription stack, with anchor prices sourced from the live pricing table above for country-specific currency.

Quick Facts

• Brand: Money Forward
• Operator: Money Forward, Inc.
• Headquarters: Tokyo, Japan
• Founded: 2012
• Ownership: publicly listed on Tokyo Stock Exchange (ticker: 3994.T)
• Flagship paid tier anchor: ME Premium at JPY 500/month
• 2025-2026 differentiator: 2,500+ Japanese bank and card aggregations plus 2024-2025 expansion into Money Forward Pay invoice handling

What is Money Forward?

Money Forward is operated by Money Forward, Inc., headquartered in Tokyo, Japan and founded in 2012. The product covers aggregation of 2,500+ Japanese banks, cards and points programs, auto-categorization of transactions, and household budgeting and asset tracking as anchor capabilities, with the broader feature set described in the sections below. This catalog page pulls live tier pricing from our database and links into our cancel guides, deals, and price-history tracker so you can monitor Money Forward across its full subscription lifecycle.

Why choose Money Forward

Operator track record and ownership

Money Forward is run by Money Forward, Inc., with ownership currently described as: publicly listed on Tokyo Stock Exchange (ticker: 3994.T). The brand has been operating since 2012, so by 2026 there is a multi-year track record of pricing decisions, product updates, and service reliability that buyers can review before subscribing. For 2025-2026 the operator's headline emphasis is on 2,500+ Japanese bank and card aggregations plus 2024-2025 expansion into Money Forward Pay invoice handling.

Feature breadth in 2026

Beyond the headline pillars, Money Forward ships invoice handling for Japan's qualified-invoice (Invoice System) rules, Japan-tax compliant cloud accounting, and payroll and HR cloud modules. This depth matters because subscribers rarely buy a single feature in isolation. Money Forward's feature surface area lets a household or team start narrow and expand into the rest of the platform as needs grow.

Plan structure and ecosystem fit

The current ladder runs from ME (personal) Free up to Cloud Payroll. Each step unlocks specific capabilities (detailed in the pricing table below) rather than artificial caps, and the platform integrates with mainstream device and billing ecosystems typical for a budgeting and personal finance service. That makes it straightforward to slot Money Forward into existing setups without re-platforming.

Money Forward pricing in 2026

The tier ladder and anchor prices below are sourced from Money Forward, Inc.'s public pricing pages as of 2025-2026. For live country-specific numbers, refer to the pricing table at the top of this page; the summary below describes how the tier ladder is shaped.

Live pricing across countries

For country-by-country billing currency, taxes, and renewal pricing, refer to the live pricing table on this page. It pulls directly from our catalog so promotions, anchor tiers, and price drops surface as soon as we capture them. This is the source we recommend over any historical price quoted in third-party content.

Money Forward apps and platform support

Money Forward supports the platform mix expected for a budgeting and personal finance service. The table below summarizes typical coverage; refer to Money Forward, Inc.'s product pages for the exact device and OS support matrix on each tier.

Money Forward product depth and category positioning

Money Forward sits in the budgeting and personal finance service category and competes with adjacent providers in Tokyo's home market and beyond. Its differentiation lever for 2025-2026 is 2,500+ Japanese bank and card aggregations plus 2024-2025 expansion into Money Forward Pay invoice handling. Buyers evaluating the budgeting and personal finance service market compare these capabilities against tier price and customer support quality, both of which are tracked in the pricing table above and in our deals and cancel guides linked below.

Use cases Money Forward fits

• Subscribers in Tokyo and beyond who want a budgeting and personal finance service with aggregation of 2,500+ Japanese banks, cards and points programs as a core anchor
• Households comparing Money Forward against adjacent budgeting and personal finance service options on the ME Premium tier price point
• Buyers who prioritize auto-categorization of transactions as their deciding factor in the budgeting and personal finance service category
• Users who want household budgeting and asset tracking bundled with the rest of the platform rather than paid separately
• Cross-region or expat users wanting Money Forward, Inc.-branded service rather than a regional reseller

Comparable products in our catalog

If you're evaluating Money Forward alongside other tools, we maintain a separate catalog page per service with live pricing and tier names. Use our category hub to compare Money Forward with adjacent budgeting and personal finance service options on price, feature coverage, and free-tier availability. For each candidate we also track cancellation flow, current promo codes, and renewal price history so the total cost of ownership is visible upfront.

Frequently asked questions

Who operates Money Forward?

Money Forward is operated by Money Forward, Inc., headquartered in Tokyo, Japan since 2012. Ownership status: publicly listed on Tokyo Stock Exchange (ticker: 3994.T). The full legal entity and registration details are published on the operator's public terms of service.

How much does Money Forward cost in 2026?

The ME (personal) Free anchor is JPY 0, the ME Premium anchor is JPY 500/month, and the Cloud Payroll anchor is JPY 1,980+/month. Live country-specific numbers and promotions are shown in the live pricing table at the top of this page.

Does Money Forward offer a free tier or trial?

Free tier and trial availability is shown in the live pricing table above and varies by country and promotional window. The current ladder starts at ME (personal) Free (JPY 0); check the Money Forward, Inc. signup flow for the current trial terms before committing.

What platforms does Money Forward run on?

Money Forward covers the platforms shown in the table above. Mobile, web, and selected device support varies by region and tier; Money Forward, Inc.'s product pages track new integrations as they ship.

What's new in Money Forward for 2025-2026?

The headline emphasis is 2,500+ Japanese bank and card aggregations plus 2024-2025 expansion into Money Forward Pay invoice handling. This is the feature most likely to influence whether Money Forward is the right choice for a buyer evaluating the budgeting and personal finance service market today.

How does Money Forward compare to other budgeting and personal finance service options?

Money Forward differentiates on aggregation of 2,500+ Japanese banks, cards and points programs and auto-categorization of transactions plus the broader feature ladder shown above. For a side-by-side feature comparison with adjacent providers, see our category hub linked at the bottom of this page.

Can I cancel Money Forward anytime?

Yes - cancellation is typically self-service via the Money Forward account portal or by contacting Money Forward, Inc.. We maintain a step-by-step cancellation guide on our cancel hub that covers the specific in-product flow, refund eligibility, and what data is preserved after cancel.

Does Money Forward offer family, team, or business pricing?

Multi-user and higher-tier plans target larger deployments or households where applicable. The published anchor at the Cloud Payroll level is JPY 1,980+/month; ask Money Forward, Inc. sales for bespoke or volume pricing on team or enterprise plans.

Is Money Forward available outside its home country?

Money Forward is operated from Tokyo, Japan and is primarily sold to its home market; see the live pricing table for country-specific tier pricing across the markets where Money Forward, Inc. sells the product.

Where can I find Money Forward deals and promo codes?

Our deals page tracks current Money Forward promotional pricing and our renewal price tracker stores historical price points so you can spot post-trial price hikes. Both are linked below in the related guides section.

Get started with Money Forward

To sign up, head to the live pricing table at the top of this page. Pick the tier that matches your needs - ME (personal) Free (JPY 0) for evaluation, ME Premium (JPY 500/month) for production use, or Cloud Payroll (JPY 1,980+/month) for the broadest feature set. Once you've subscribed, bookmark this page to monitor renewal pricing and catch any tier or anchor-price changes from Money Forward, Inc..

Related Subger guides

• Cancel Money Forward - step-by-step cancellation guide for the current portal
• Money Forward deals and promo codes - live promotional offers tracked across the year
• Money Forward true price tracker - renewal price history and post-trial cost watch
• Money Forward promo codes - coupon and code archive with expiration tracking
• Browse the full budgeting and personal finance service category on Subger