You're earning. You're spending. But where is it all going?
Compass is a personal financial analysis made for foreigners living in Japan. Answer a few questions about your money, and we'll send you a clear, personalised report on your habits — plus a simple plan to take back control.
→ Find Your ReportFrom ¥1,000 · Fully personalised to your answers · Delivered to your inbox
Living in Japan changes your relationship with money.
The convenience store on every corner. The vending machines. The late-night delivery. The social pressure to keep up. The pension and health insurance you're not sure you're handling right. Most foreigners here are managing day to day — but not really understanding their money.
- "I earn a decent salary but I never seem to save anything."
- "I don't really know what I spend — I just check the balance and hope."
- "The Japanese financial system confuses me. NISA? iDeCo? I don't know where to start."
- "Amazon, convenience stores, Uber Eats… it adds up but I don't know by how much."
- "I want to travel, save, and invest — but I can't seem to do all three."
If any of that sounds familiar — this report was made for you.
Every Compass report starts with you.
Before anything else, we read what you wrote. Your income, your habits, your situation in Japan, your goals. What comes back isn't a template with your name on it — it's a report built around the specific person who filled in the questionnaire. No two are the same.
A clear view of where your money is actually going each month — mapped against your income, your fixed costs, and the patterns you may not have noticed yourself.
The one area doing the most damage to your finances right now. Named, explained, and — in the Full Report — quantified down to what it costs you every year.
A read on how and why you spend the way you do — the emotional and situational patterns behind the numbers, not just the numbers themselves.
A direct message written for where you actually are — not generic encouragement, but something that could only have been written for the person who answered these specific questions.
Two reports. Two levels of depth.
Both are built entirely around your answers. The difference is how far in you want to go — and how much of your financial life you're ready to look at clearly.
Clarity in 5 minutes.
Answer a handful of questions about your income, spending, and habits. We'll send you a focused report that names the single pattern costing you the most — and what kind of money person you actually are.
¥1,000
5-minute questionnaire · Delivered within 3–5 days
What You Get- Your financial snapshot — An estimated overview of where your money is going each month.
- Your biggest money leak — The one pattern costing you the most — named, explained, and quantified.
- Your money personality — A clear read on how and why you spend the way you do.
- Your personal closing — A direct message written specifically for where you are right now.
Estimates-based · No spreadsheets needed
A complete financial plan.
Share your exact figures and we build a full picture of your financial life in Japan — every category broken down, every decision made clearer, and a precise month-by-month plan for what comes next.
¥3,000
20–30 minute questionnaire · Delivered within 3–5 days
What You Get- Your complete financial picture — Every income source and expense category mapped against each other — built on your exact numbers.
- Line-by-line expense analysis — Every spending category examined so you know precisely what to cut, what to keep, and why.
- Your money personality — A full psychological profile of how and why you spend — and what it means for your future.
- Your Keep / Cut / Protect plan — Specific, prioritised recommendations that respect your real life — not a list of things to give up.
- Your 90-day week-by-week plan — Exactly what to do and when, in the right order, starting this week.
- Your 12-month financial roadmap — A phased plan that shows where you'll be in 3, 6, 9, and 12 months if you follow through.
- Your Japan financial system guide — A plain-English explanation of what applies to your situation — NISA, iDeCo, residence tax, freelance filing — so you know what to think about and in what order.
Built on your exact figures · Most complete
Simple. Personal. Actionable.
Choose your report
Select the level of depth that fits where you are. One-time payment — no subscription, no hidden fees.
Fill out your questionnaire
A focused reflection on your finances, spending habits, and goals in Japan. The Basic Report takes 5 minutes. The Full Report takes 20–30.
Receive your report
Your report is prepared specifically around your answers and delivered to your inbox within 3–5 days.
Built for where you actually are.
Most financial advice isn't built for people living abroad. It assumes you understand the local system, speak the language fluently, and have been planning since your twenties. Compass is different. It starts where you actually are — not where you're supposed to be. Your answers are read carefully, your situation is considered, and what comes back is a report that makes sense for your life in Japan — not someone else's.
"Not where you're supposed to be. Where you actually are."
You might be thinking…
Knowing and understanding are different. This shows you why it's happening — and what to actually do about it, in the right order.
Yes. Every Compass report is built around your specific answers. Your income, your habits, your goals in Japan. No two reports are the same.
The Full Report looks at every specific expense in your life — convenience stores, delivery, subscriptions, travel, remittances, everything — and tells you exactly which ones to cut and which ones are worth keeping. Most readers find a pattern costing them ¥100,000 or more per year they had never actually quantified. The report pays for itself the first time you act on it.
A budget tells you what you spent. The Full Report tells you why — and what it means. Every expense category in your life is examined in the context of your income, your goals, and your situation in Japan. You don't get a spreadsheet back. You get a precise, prioritised plan written for the specific person who filled in the questionnaire.
The Basic Report takes 5 minutes and gives you a real answer today. The Full Report takes 20–30 — the length of a commute — and gives you a complete financial plan for the next 12 months. You choose the depth you're ready for.
Things don't calm down in Japan — they just continue. The Basic Report exists precisely for this: a clear picture of where you are, in 5 minutes, without waiting until you have more time or more money.
The Basic Report was built for exactly this moment — before you have everything figured out. It shows you the one pattern doing the most damage right now, and what to do about it first. You don't need a high income to benefit from understanding where your money is going.
Ready to find clarity on your money in Japan?
One report. Built entirely around your answers. Whether you want a clear starting point or a complete plan — what comes back will be the most honest picture of your finances you've ever had.
→ Get the Full Report — ¥3,000Or start with the Basic Report for ¥1,000
20–30 minute questionnaire · Fully personalised · Delivered within 3–5 days