# Money Forward Cloud Expense (マネーフォワード クラウド経費) vs TOKIUM (TOKIUM経費精算): which should you choose?

> The two bill on opposite axes, so the deciding number is your ratio of employees to monthly receipts. Money Forward charges per seat (¥6,480/month to 5 users, then ¥500 each), so a 30-person team is already around ¥18,980/month before options. TOKIUM charges by receipt volume with unlimited accounts, so that same 30-person team starts at the ¥10,000 base and rises only with how much they actually file — headcount is free. Money Forward wins small teams and anyone whose ledger is Money Forward Cloud; TOKIUM wins large headcounts with modest filing, and is the only one of the two that will physically take your originals. Two asymmetries to check before deciding: TOKIUM's per-receipt rates are quote-only, so you cannot model total cost from published figures alone, and we hold no sourced compliance flags for TOKIUM — Money Forward states Electronic Bookkeeping Act support (via the Corporate option), so verify TOKIUM's current status against your own 電子帳簿保存法 requirements directly.

Last updated: 2026-08-06

| Tool | Best for | Pricing | JP E-Bookkeeping Act |
| --- | --- | --- | --- |
| マネーフォワード クラウド経費 (biz.moneyforward.com) | Japanese SMBs already using (or moving to) the Money Forward Cloud accounting suite. | One-person Corporation ¥2,480/mo (annual, 1 user); Small Business ¥4,480/mo (annual, ≤3 users); Business ¥6,480/mo (≤5 users) + ¥500/user beyond; e-bookkeeping option from ¥200/user. One month free, with no automatic rollover to a paid plan. (source: https://biz.moneyforward.com/expense/price/) | ○ |
| TOKIUM経費精算 (www.keihi.com) | Japanese companies that want to eliminate paper-receipt handling entirely — including physical storage — with costs tied to volume, not headcount. | Base fee from ¥10,000/mo with unlimited accounts + per-receipt metered charges; receipt-collection box ¥3,000/mo; detailed rates via quote. (source: https://www.keihi.com/expense/price/) | — |

## When to choose Money Forward Cloud Expense (マネーフォワード クラウド経費)

Choose Money Forward Cloud Keihi when the team is small and the ledger is already Money Forward. Entry pricing is ¥2,480/month (annual) for a single user, ¥4,480/month for up to 3 and ¥6,480/month for up to 5, expenses share one data layer with accounting and payroll, and receipt auto-capture is standard. Budget the Corporate option (from ¥200/user) if you need Electronic Bookkeeping Act support.

## When to choose TOKIUM (TOKIUM経費精算)

Choose TOKIUM when headcount is high relative to receipt count, or when paper originals are the real problem. Accounts are unlimited on a base fee from ¥10,000/month with per-receipt metered charges, so adding staff costs nothing. Uniquely, originals can be mailed in (collection box ¥3,000/month) for digitisation, verification against the originals and physical storage, and transit-IC claims are free and unlimited.

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- [マネーフォワード クラウド経費 vs 楽楽精算](https://agent-door.com/compare/rakuraku-seisan-vs-moneyforward-expense)
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- [TOKIUM経費精算 vs 楽楽精算](https://agent-door.com/compare/rakuraku-seisan-vs-tokium)

## Frequently asked questions

### Which is cheaper for 30 employees?

On published figures Money Forward's Business plan runs ¥6,480 + 25×¥500 ≈ ¥18,980/month before options, while TOKIUM starts at its ¥10,000/month base with accounts unlimited. TOKIUM therefore has roughly ¥9,000/month of headroom at that headcount before per-receipt charges close the gap — but those rates are quote-only, so request them and multiply by your actual monthly receipt count before concluding.

### Do both support the Electronic Bookkeeping Act?

Money Forward Cloud Keihi provides it through the Corporate option (from ¥200/user) and above, so include that in your total rather than assuming the base plan covers it. For TOKIUM we have not verified a sourced compliance flag and do not assert one — confirm the current certification status with the vendor directly.

### Can either one take our paper receipts off our hands?

Only TOKIUM, on the sourced data. Originals can be mailed in via a collection box (¥3,000/month on top of the base fee) for digitisation, verification against the originals, and physical storage. Money Forward Cloud Keihi auto-captures receipt images as standard, but that is data capture — you keep custody of the paper.

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