Tsukimiru Released: See Your Monthly Installments, Loans, and Subscriptions Together in Graphs and Numbers on iPhone

Tsukimiru (ツキミル), an iPhone and iPad app for registering monthly payments such as installments, loans, and subscriptions, launched on the App Store on October 14, 2026. The app shows how long each payment lasts, the total of this month's and next month's bills, and the amount paid off versus the amount remaining, in lists and graphs. Version 1.2 followed on October 27, bringing the number of payment types to five and adding interest-rate and moving estimates. The name "Tsukimiru" comes from the Japanese for "see the month('s payments)."

Home screen showing this month's installment, loan, and subscription amounts at a glance Home shows the total of this month's bills and a list of this month's payments

App Overview

Monthly payments such as installments for furniture and appliances, home and car loans, and subscriptions each come with their own statements and withdrawal dates. Tsukimiru is a tool for registering these payments in one app and checking them together.

Shows the total of this month's and next month's bills, plus a list of this month's payments
Shows how long each payment lasts, and the amount paid off versus the amount remaining
Shows, in numbers, how much remains until a monthly limit you set yourself, and what remains of your take-home pay (and what percentage of it goes to payments)
Marks payments that will soon be paid off
Supports Japanese and English (follows the device language). Works on iPhone and iPad, and supports Dark Mode

Five Payment Types

The five payment types, which can also hold utilities and savings Choose from five payment types to register a payment

Installments: Calculates the total and the final billing month from the monthly amount, the number of payments, and the first billing month. You can also enter a different amount for the first payment only
Loans: Calculates the monthly amount, the total, and the last repayment from the loan amount, annual interest rate, repayment period, and repayment method (equal payments of principal and interest, or equal principal payments). You can overwrite the monthly amount with the figure from your repayment schedule, and you can add interest-rate changes
Subscriptions and recurring payments: Register payments that recur monthly, yearly, every few years, or in set months. Use it for internet fees, lessons, insurance, resident tax, rent, and more
Variable costs (estimates): Enter items whose amounts change, such as utilities, food, and monthly card withdrawals, as estimated amounts. You can also add extra amounts for high-cost months such as summer and winter
Savings and installment deposits: View automatic savings set aside first, fixed-term installment deposits, education insurance, and similar items separately from payments

You can also divide payments into groups (up to 10). Separate household and business payments, for example, then set a monthly limit for each group or view them combined.

Outlook: A Graph of Future Monthly Totals

Outlook graph combining installments, loans, and subscriptions Installments, loans, and subscriptions combined in one bar graph

The Outlook shows totals up to 2, 5, 10, 20, 30, and 50 years ahead in a bar graph. Each category has its own color, and if you have set a monthly limit, a limit line is drawn as well.

Estimates Without Registering Anything

Estimate of monthly repayments if a loan's interest rate rises

How the monthly total, and the gap from your limit, would change if you added one installment
Monthly repayments if a loan's interest rate rises by 0.5%, 1%, or 2% (you can also compare these in the Outlook graph)
Moving estimate: Compares your monthly payments and what remains with your current situation if you move from a rental or your current home to a home you buy. You can include bonus payments, management fees and repair reserve funds, property tax, moving costs, and more, and line up three patterns side by side

Estimate of monthly payments after moving to a home you buy

Other Features

Outlook of the cumulative total if you keep up your current savings

Savings and installment deposit Outlook: Check the cumulative total if you keep up your current contributions, in a graph and a table (6 months, 1 year, 3 years, 5 years). You can also enter a target amount
Payment details: See the amount paid off and the amount remaining, along with a repayment schedule (installment number, year and month, repayment amount, principal, interest, and balance). When you pay off a payment in a lump sum, you can choose "Mark as paid off"
Estimated mortgage tax deduction: On the Japanese-language screen, for loans in yen, calculates an estimated deduction amount by applying the general mechanism
Currency conversion: Converts payments or income in dollars or euros into estimated amounts using a rate you enter yourself
Sharing: Copy or share this month's list as text, or save or share the Outlook graph and its breakdown as an image. You can also share only percentages, without showing amounts

Payment details showing the amount paid off and the amount remaining Payment details, where you can check the amount paid off and the amount remaining

Outlook graph and breakdown shared or saved as an image Share or save the Outlook graph and breakdown as an image

How to Use

Install Tsukimiru from the App Store (no login required)
Register your monthly payments by choosing from the five types
Check this month's and next month's totals on Home, and the totals for the months ahead in the Outlook
As needed, enter a monthly limit or take-home pay, and use the estimates to see what happens if you add a payment, if rates rise, or if you move

Pricing and Availability

Free, with all features available (ads are shown)
Tsukimiru PLUS (¥200/month or ¥980/year, with a 1-month free trial) removes ads and the "Made with Tsukimiru" mark on exported images
No login required. Payment data is stored only on your device and is not sent anywhere
Supported devices: iPhone and iPad
App Store: https://apps.apple.com/jp/app/id6821876835
Product page: https://mawatarik.com/tsukimiru

Notes

Tsukimiru is a calculation-only app. It has no features for introducing, comparing, or applying for banks, loan products, or cards
All calculation results are estimates. Please check actual amounts against your card company or financial institution statements and repayment schedules
The mortgage tax deduction amount is an estimate based on the general mechanism. We do not provide individual tax consultation