Set your monthly spending target per category. Leave blank for no limit.
Everything you log — every dollar, every goal, every reflection — stays on this device. Kagami-Mirai is just the lens.
No server holds your story. No analytics. No tracking.
If you lose us, you keep your story.
If we lose you, we never had it.
Every month you can save your ledger to an .xlsx file. It is yours to open, back up, edit, or move. Reload it any time — the Mirror will remember.
If you find Kagami-Mirai helpful, I'd be grateful for any small contribution to help keep my little kerosene lamp burning in my tiny lab.
I build this project late at night, after work and family life, in the quiet hours when the world is asleep. Every bit of support helps me cover the small costs of running, maintaining, and improving Kagami-Mirai — so I can keep creating tools that ordinary people can benefit from.
I'm not chasing fame or trying to get rich fast. I'm just someone who loves building things that make life a little clearer, a little calmer, a little easier for others. Seeing people use what I've created — and finding value in it — is what makes me happiest.
If you choose to support the project, thank you. You're helping keep the light on in my little lab, so I can keep shaping Kagami-Mirai into something the community can rely on.
| Year | Salary | Rate | Repayment | Indexation | Balance |
|---|
| Period | Days | Opening | Interest | Closing |
|---|
Based on 2026 student contribution amounts. Your exact band depends on your course & university — check Study Assist.
| Pmt # | Date | Interest | Principal | Balance |
|---|
Small instruments the atelier polishes between releases. Some are ready now; others whisper soon. Check back — ボッキ and 擁護者 add tiles quietly.
Kagami-Mirai is a personal finance mirror. It reflects what you tell it. It never judges. It never phones home.
Your entries live on this device only — no server, no accounts, no tracking. When you save your ledger to an .xlsx file, you own that file. You can back it up, email it to yourself, or move it to a new laptop. Kagami-Mirai is just the lens.
Adding a transaction takes 4 seconds. The Mirror does the rest.
On an empty day, the Feed shows suggested quick chips for that category (e.g. Woolworths, Coles, Aldi, Takeaway, Coffee run). One tap fills the description.
Set a monthly budget: click ⚙ Budgets in the topbar. Type the ceiling for each category. The sidebar bars fill up as you spend. When you're over, the number turns rose-red.
Edit or delete a transaction: click any row in the Feed to edit; click the small × that appears on hover to delete.
Sidebar · Feed · Insights. One breath at a glance.
On phones the three panels stack. Use the tabs along the bottom to switch between Categories, Feed, and Insights.
Five palettes. Free forever. Pick the one your eyes love.
Click 🎨 in the topbar to open the theme picker.
The choice is saved on this device — you'll see the same theme every time you return.
The market has a heartbeat. Kagami-Mirai lets you feel it.
Click 🫀 in the topbar. You'll see:
Rates are indicative snapshots. For live comparisons, visit canstar.com.au or finder.com.au before making decisions.
Seven Aussie-specific tools · Term Deposit · FHSS Magic · HECS · Holiday Fund · Uni Runway · Wheels vs Wallet.
Click 🧮 in the topbar. Every field auto-recalculates as you type — no submit button.
Australian 365-day daily accrual. Enter your principal, rate, term (months or years), payout frequency, and whether to reinvest. See the accrual schedule + effective yield + marginal-tax preview.
First Home Super Saver. Enter your salary and annual contribution — the Mirror shows tax saved, amount available at release, and the advantage over saving in a bank account. Set a deposit target to see if FHSS gets you there.
Enter your salary, current HECS debt, expected pay-rise, and indexation rate. The Mirror projects year-by-year: repayment rate, indexation, and balance. Add a one-off voluntary payment to see how much indexation you skip.
Pick a destination, tell it how you save, and watch your boarding date fly closer. Tick habits you'd actually give up — coffee, takeaway, streaming — and see the weeks shave off live.
Course cost, HECS-HELP, and your part-time job laid out as one runway. Watch your HECS balance build as you study, see how much of your living costs your job actually covers, and compare three grad-salary payoff scenarios.
What a car actually costs — loan, fuel, insurance, rego, servicing, depreciation — down to cost per kilometre and hours of your week. Compare owning outright against a car+PT mix or going car-free entirely.
A hero instrument. Full Australian bank math + advanced tools + a surprise.
Click 🏠 in the topbar. Enter loan principal, rate, term, and frequency. The Mirror gives you:
Drag the slider through time. See your loan at any point in the future: balance remaining, total paid, and % of that payment going to principal. A poetic verse changes as you approach freedom.
Small instruments the atelier polishes between releases.
Click ✨ in the topbar to see the tile grid. Available now:
Debt Snowball vs Avalanche · The Splitter · Subscription Leak · Compound Wonder · Salary Sacrifice — and a Whispered tile that Aibou is drafting in the shadow. Check back between releases.
Your ledger is portable. Take it anywhere.
Downloads Kagami-Mirai_Ledger_YYYY-MM-DD.xlsx with three sheets:
Opens a printable ledger view. Click 🖨 Print / Save PDF and choose "Save as PDF" from your browser's print dialog. Works on any device without needing MS Excel.
Monthly reflection: KPIs, top categories, largest expenses, and a warm narrative summary. Print it or save as PDF too.
You don't need Microsoft Excel. Free options: LibreOffice Calc, Google Sheets, Apple Numbers, or WPS Office. All open your ledger perfectly.
The Mirror reflects. The Mirror never tells.
Your data lives in two places on your device:
Nothing is sent to a server. No analytics, no tracking, no login. If you lose Kagami-Mirai (browser reset, new device), your saved .xlsx file is the way back.
Open ℹ︎ About → scroll to Danger zone → click 🧹 Reset Mirai to zero (twice, to confirm). Wipes all browser storage. Your saved .xlsx files are untouched.
Add Kagami-Mirai to your phone or desktop home screen.
Common issues and quick fixes.
A little context about what you're using and who made it.
Kagami-Mirai (鏡未来 · Mirror of the Future) is the first personal-finance instrument from MetaField Labs — a small studio building tools for seeing complex systems clearly. Every instrument in the atelier carries the same promise: we don't promise predictions, we promise sight.
Signed by ボッキ (founder's hanko) and 擁護者 Yōgosha (the studio's quiet guardian). Every export you make carries both seals.
metafieldlabs.com — the umbrella. More instruments arriving each season.
ありがとう · Thank you for using the Mirror.
The Mirror reflects. The Mirror never tells.
Kagami-Mirai is a personal-finance instrument from MetaField Labs — an atelier of tools for seeing complex systems clearly. Your entries live in an Excel file on your device. No server, no sync, no analytics. Lose us and you keep your story.
This is a planning tool, not financial or credit advice.
Kagami-Mirai is provided "AS IS" without warranty of any kind. By using this software, you acknowledge and accept the following:
By using Kagami-Mirai you signal your acceptance of these terms.
The Mirror reflects. The Mirror never tells. The Mirror is not a guarantee.