Moneytree Japan

What Moneytree Japan does

Moneytree Japan is a Tokyo-based, privately held financial service provider founded in 2012 that specializes in asset management and household ledger (personal finance management) services. The firm operates with a headcount of 51-100 employees and is positioned as a consumer fintech serving Japanese households seeking tools to track, aggregate, and manage personal financial information. Its web presence at moneytree.jp confirms a Japan-domiciled brand identity, and the company is registered as a for-profit private entity.

The company was co-founded by Mark Makdad and Paul Chapman, with Chapman serving as Founder & CEO. Its core offering centers on consumer-facing personal finance tooling — household ledger aggregation and asset management — though the specific product portfolio, underlying platform architecture, and technical components are not disclosed in the available source data. Pricing model, distribution channels, customer segments, and revenue mechanics are similarly absent from the source material, limiting visibility into how the business monetizes its user base. The short_description frames the firm as a financial service provider, but the input data does not specify whether Moneytree operates a freemium app, premium subscription, asset-management fee, advertising, or partnership-driven model.

Moneytree's known capital history is limited to a single early-stage funding round of approximately $1.53M raised on 2013-10-15, with DG Ventures as the lead investor. The absence of subsequent funding rounds in the input data is notable given the company's 12+ years of operation and current 51-100 headcount; either later funding events have not been captured in the available sources, or the firm has been operating without further external capital infusion. Most other operational fields — integrations, AI modalities, partnerships, awards, patents, regulatory actions, M&A, product launches, certifications, and management team details beyond the two founders — are unpopulated in the source data, indicating either thin source coverage or genuine absence of these signals.

Name

Moneytree Japan

Website

https://moneytree.jp

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

51–100 employees

Short description

Moneytree Japan is a Tokyo-based consumer fintech founded in 2012, serving Japanese households with personal finance management and asset management tools. Privately held with 51-100 employees, led by founders Mark Makdad and Paul Chapman (CEO).

Ownership category

akta.pro rank

Product category

Personal Finance Management

NAICS

Finance and Insurance (52), Portfolio Management and Investment Advice (52394)

SIC

Finance Services (6199)

akta.pro primary industry

Personal Financial Management & Budgeting (PFM) (FSAGAAAH)

akta.pro secondary industries

Budgeting & Cash-Flow Management (FSAGADAA), Expense Tracking & Financial Dashboards (FSAGADAB), Net Worth & Personal Balance Sheet Tracking (FSAGADAF)

Keywords

• Personal finance management
• Household ledger services
• Asset management software
• Expense tracking app
• Financial data aggregation

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales

Core offering

Moneytree Japan is a financial service provider specializing in personal asset management and household ledger (kakeibo) services for individual consumers. The company delivers software-based tools that allow users to track, categorize, and manage their personal finances and household budgets.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Asset Management Service Software-based personal asset management service that helps individual users in Japan track and manage their financial assets. Targeted at consumers seeking visibility and oversight over their personal financial portfolios.
• Household Ledger (Kakeibo) Service Digital household bookkeeping and expense tracking service based on the Japanese kakeibo tradition, designed for individual consumers to record, categorize, and manage household spending and budgets.

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves3 records

Expansion highlights1 record

Direct peers

• Money Forward: Money Forward is the leading Japanese PFM and cloud-accounting SaaS company, offering household-ledger apps (Money Forward ME) and B2B financial-data infrastructure. It is Moneytree's most direct and largest Japanese competitor across both consumer and enterprise aggregation.
• Zaim: Zaim is a long-running Japanese household-ledger (kakeibo) and PFM app with bank/card aggregation functionality. It competes head-to-head with Moneytree's consumer product for the same Japanese household budgeting user.
• freee: freee offers cloud accounting and HR/payroll SaaS for Japanese SMBs and also operates consumer-facing PFM features. It competes with Moneytree both at the B2B data/aggregation layer and in the consumer PFM space.

Broad incumbents

• Plaid: Plaid is a global financial-data aggregation platform connecting bank accounts to fintech apps. While primarily US/UK focused, it is the category leader in account-aggregation infrastructure and the closest international analogue to Moneytree's B2B LINK offering.
• Empower (Personal Capital): Empower's Personal Capital business is a US PFM platform focused on net-worth tracking, budgeting, and investment dashboards. It overlaps with Moneytree's "asset management and household ledger" dual value proposition for higher-net-worth users.
• Tink (Visa): Tink, owned by Visa, is a European open-banking aggregation platform used by banks and fintechs. It is comparable to Moneytree's enterprise data-aggregation business as a regulated AISP operating in a single mature market.

Emerging players

• YNAB (You Need a Budget): YNAB is a subscription-based zero-based-budgeting PFM tool. It is comparable as a paid consumer budgeting product but does not match Moneytree's Japanese bank-aggregation breadth.
• Rocket Money: Rocket Money (formerly Truebill) is a US consumer subscription-cancellation and budgeting app with bank-aggregation. It is a comparable PFM-plus-monetization model to Moneytree's freemium consumer app, though operating in the US market.
• Lunch Money: Lunch Money is a modern consumer budgeting and net-worth tracking app with bank sync. It represents an emerging, design-led entrant into the PFM space that overlaps with Moneytree's budgeting and dashboard product surface.

Regional players

• Pocketsmith: Pocketsmith is a budgeting and cash-flow forecasting PFM app primarily serving Australia and New Zealand. It is comparable as a consumer PFM product with bank aggregation, though regional to APAC rather than Japan.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/moneytreejp
• Facebookfacebook.com/moneytreejp
• LinkedInlinkedin.com/company/moneytree-kk

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Moneytree Japan