Zaim

Zaim operates as a personal financial management application with a social component, primarily serving the Japanese market. The company was established in July 2011 and is based in Shibuya, Japan.

The business provides a cloud-based household account book service through its mobile application, Zaim, which is designed to help individuals track and manage their personal finances. The application allows users to record income and expenses, set budgets for various spending categories, and analyze their financial habits through graphical reports. A distinctive feature is its social comparison tool, which enables users to see how their spending patterns, for instance on food, compare to the average user, adding a communal context to personal budgeting.

Zaim's platform supports manual entry of transactions and can also synchronize with Japanese bank accounts and credit cards for automated tracking. To encourage consistent user engagement, the app incorporates gamification elements such as a stamp rally for regular updates. The service operates on a freemium model. The core functionalities are available for free, while a premium subscription is offered that includes features like the removal of advertisements, management of multiple financial accounts, and more in-depth analytical tools. The application supports a wide range of currencies, making it accessible for users dealing with international transactions.

Keywords: personal finance, bookkeeping app, expense tracker, budget management, financial planning, money management, household account book, fintech Japan, mobile banking, spending analysis, financial data aggregation, budgeting app, personal capital, savings tool, income tracking, financial visualization, freemium, subscription model, consumer finance, digital wallet