[How do married couples manage their household budget?] Survey of 300 Respondents
AZWAY Co., Ltd. conducted a survey of 300 married individuals regarding budget management and secret purchases. The most common money consultation threshold was 10,000-30,000 yen, and over 60% have made secret purchases.
📋 Article Processing Timeline
- 📰 Published: March 30, 2026 at 19:00
- 🔍 Collected: March 30, 2026 at 22:56 (3h 56m after Published)
- 🤖 AI Analyzed: April 22, 2026 at 05:48 (534h 52m after Collected)
Survey of 300 married couples: The most common border for money consultation is "10,000 to 29,999 yen" at 28.7% (86 people).
── 61.3% (184 people) have experience making secret purchases, while completely combined household budget management remains at 13.7% (41 people).
AZWAY Co., Ltd. (Headquarters: Shinjuku-ku, Tokyo, Representative Director: Azumi Iguchi) conducted an awareness survey on the "money consultation line (border)" and the reality of secret purchases among married couples and partners.
The most common household budget management method was "separating what each person freely spends and joint expenses" at 35.0% (105 people). On the other hand, "managing all income together (completely combined)" was only 13.7% (41 people), revealing that an operation that separates to some extent is more mainstream than combining everything.
In addition, the most common border for "from how much to consult" was "10,000 to 29,999 yen" at 28.7% (86 people). Furthermore, over 60% of people, 61.3% (184 people), have experience making purchases in secret, revealing the realistic situation where consultation lines and secret purchases coexist.
Survey Overview: Questionnaire on the border of married couples' money
Survey target: Men and women in their 20s to 50s with spouses/partners
Survey period: January 15, 2026 to January 19, 2026
Survey method: Internet survey
Number of respondents: 300
* For multiple-choice questions, the total does not equal 100%.
Respondent Attributes
Position of respondent
- Wife: 72.7% (218 people)
- Husband: 24.3% (73 people)
- Partner (de facto marriage, same-sex marriage, etc.): 2.7% (8 people)
- Other: 0.3% (1 person)
Age group
- 20s: 25.0% (75 people)
- 30s: 42.0% (126 people)
- 40s: 25.3% (76 people)
- 50s: 7.7% (23 people)
Survey Results Summary
- The most common household budget management is "separating freely spent money + joint expenses" at 35.0% (105 people).
- "Completely combined (managing all income together)" remains at 13.7% (41 people).
- The most common consultation border is "10,000 to 29,999 yen" at 28.7% (86 people).
- Over 60%, or 61.3% (184 people), have experience making secret purchases.
- Top genres of secret purchases (among those with experience) are "Fashion" 23.9% (44 people) and "Beauty" 22.8% (42 people).
- The most common reason for secret purchases is "Because it's within my own savings/income" at 35.3% (65 people).
- The most common outcome of secret purchases is "Hasn't been found out yet" at 45.7% (84 people).
## [Result 1] The most common household management method is "separating freely spent money + joint expenses" at 35.0% (105 people)
When asked to choose the closest description of their household money management, the most common answer was "separating what each person freely spends and joint expenses (living expenses, etc.)" at 35.0% (105 people).
This was followed by "one person mainly manages and hands over the necessary amount" at 30.0% (90 people), "completely separate wallets (contributing a fixed amount each month)" at 19.3% (58 people), and "managing all income together" at 13.7% (41 people).
Combining all household finances is a minority, and the mainstream style is to operate joint expenses while leaving a certain amount of discretion. It suggests a leaning towards a "design that prevents conflicts" — such as joint living expenses, but individual hobbies and daily necessities.
The closest description of your household's money management
1st place: Separating what each person freely spends and joint expenses (living expenses, etc.) 35.0% (105 people)
── 61.3% (184 people) have experience making secret purchases, while completely combined household budget management remains at 13.7% (41 people).
AZWAY Co., Ltd. (Headquarters: Shinjuku-ku, Tokyo, Representative Director: Azumi Iguchi) conducted an awareness survey on the "money consultation line (border)" and the reality of secret purchases among married couples and partners.
The most common household budget management method was "separating what each person freely spends and joint expenses" at 35.0% (105 people). On the other hand, "managing all income together (completely combined)" was only 13.7% (41 people), revealing that an operation that separates to some extent is more mainstream than combining everything.
In addition, the most common border for "from how much to consult" was "10,000 to 29,999 yen" at 28.7% (86 people). Furthermore, over 60% of people, 61.3% (184 people), have experience making purchases in secret, revealing the realistic situation where consultation lines and secret purchases coexist.
Survey Overview: Questionnaire on the border of married couples' money
Survey target: Men and women in their 20s to 50s with spouses/partners
Survey period: January 15, 2026 to January 19, 2026
Survey method: Internet survey
Number of respondents: 300
* For multiple-choice questions, the total does not equal 100%.
Respondent Attributes
Position of respondent
- Wife: 72.7% (218 people)
- Husband: 24.3% (73 people)
- Partner (de facto marriage, same-sex marriage, etc.): 2.7% (8 people)
- Other: 0.3% (1 person)
Age group
- 20s: 25.0% (75 people)
- 30s: 42.0% (126 people)
- 40s: 25.3% (76 people)
- 50s: 7.7% (23 people)
Survey Results Summary
- The most common household budget management is "separating freely spent money + joint expenses" at 35.0% (105 people).
- "Completely combined (managing all income together)" remains at 13.7% (41 people).
- The most common consultation border is "10,000 to 29,999 yen" at 28.7% (86 people).
- Over 60%, or 61.3% (184 people), have experience making secret purchases.
- Top genres of secret purchases (among those with experience) are "Fashion" 23.9% (44 people) and "Beauty" 22.8% (42 people).
- The most common reason for secret purchases is "Because it's within my own savings/income" at 35.3% (65 people).
- The most common outcome of secret purchases is "Hasn't been found out yet" at 45.7% (84 people).
## [Result 1] The most common household management method is "separating freely spent money + joint expenses" at 35.0% (105 people)
When asked to choose the closest description of their household money management, the most common answer was "separating what each person freely spends and joint expenses (living expenses, etc.)" at 35.0% (105 people).
This was followed by "one person mainly manages and hands over the necessary amount" at 30.0% (90 people), "completely separate wallets (contributing a fixed amount each month)" at 19.3% (58 people), and "managing all income together" at 13.7% (41 people).
Combining all household finances is a minority, and the mainstream style is to operate joint expenses while leaving a certain amount of discretion. It suggests a leaning towards a "design that prevents conflicts" — such as joint living expenses, but individual hobbies and daily necessities.
The closest description of your household's money management
1st place: Separating what each person freely spends and joint expenses (living expenses, etc.) 35.0% (105 people)