Bringing transparency to AI usage costs and volume through the new product “Money Forward Cloud AI Token Management” and “Money Forward Business Card”

Money Forward, Inc. is launching “Money Forward Cloud AI Token Management,” a new product that visualizes corporate AI usage costs on a dashboard. In addition, the “Money Forward Business Card” can now be used as a dedicated payment card for AI tools, thereby consolidating and centralizing AI-related expenditures. This brings transparency to actual corporate AI usage, supporting enhanced governance and the maximization of return on investment (ROI).

While corporations are rapidly adopting various AI tools and large language models (LLMs), managing increasing AI token usage (the smallest unit for AI models to understand and generate text) and AI usage costs has become a major challenge.

“Money Forward Cloud AI Token Management” is a product that visualizes AI usage costs and volume on a dashboard for centralized management. By importing data via API integration or CSV files, businesses can monitor usage by AI tools (such as ChatGPT and Claude), LLM models, or individual users. Furthermore, comparing usage across time periods makes it easier to identify the factors driving AI cost increases, facilitating appropriate AI usage across the organization. Even non-users of “Money Forward Cloud” can use this product free of charge simply by obtaining a Money Forward ID.
Alongside this launch, by utilizing the “Card Control” feature of the “Money Forward Business Card” *1 — which allows setting spending limits and designated purposes for each card — and issuing multiple virtual cards, businesses can operate dedicated payment cards restricted strictly to AI tools. This allows AI-related expenditures to be managed separately from other expenses, centralizing AI expense management.

Through these solutions, Money Forward supports companies in strengthening governance over their AI utilization by visualizing token usage and managing AI costs.

For details, please visit the URL below.
URL: https://biz-ai.moneyforward.com/ai-token-management(Japanese)

*1 “Money Forward Business Card” is developed and issued by Money Forward Kessai, Inc., a Money Forward Group company.

■ About “Money Forward Cloud AI Token Management”
“Money Forward Cloud AI Token Management” is a product that visualizes corporate AI token usage by AI tools, LLM models, or individual users on a dashboard, enabling centralized management of AI usage costs. Even non-users of “Money Forward Cloud” can use this product free of charge simply by obtaining a Money Forward ID.
Sign-up URL: https://biz.moneyforward.com/library/form/70529/(Japanese)

■ Utilizing “Money Forward Business Card” as a dedicated AI payment card
The “Money Forward Business Card” is a business card that seamlessly integrates with “Money Forward Cloud.” The card uses real-time transaction data to drastically accelerate monthly closings and expense processing. It also features fraud detection and the “Card Control” function, which allows businesses to set spending limits.

Because multiple physical and virtual cards can be issued, businesses can create dedicated AI payment cards and consolidate payments, making it possible to accurately track actual usage, including employee out-of-pocket expenses. Furthermore, by limiting payments to pre-approved AI tools and setting spending limits on card usage, unauthorized usage and budget overruns can be prevented. This supports administrative departments in properly tracking and controlling AI usage costs.
Sign-up URL: https://biz.moneyforward.com/biz-pay/topics/12409/(Japanese)

■ Background
Investment in AI tools, including generative AI, is rapidly expanding. Domestic AI infrastructure spending in 2026 is projected to reach ¥821 billion (up over 18% year-over-year) and maintain a high compound annual growth rate of approximately 13% over the five-year period through 2029.*2 In fact, AI-related transaction amounts via the “Money Forward Business Card” have grown 4.47 times since June of last year.*3

However, as corporate AI adoption progresses, understanding actual usage and achieving cost visibility across active tools, departments, and employees have become major challenges. In particular, because AI usage costs fluctuate based on the adopted models and usage volume, accurately evaluating ROI requires multifaceted monitoring and management from the perspective of how much business value is generated relative to AI investment (Return on Token).

To address these challenges, Money Forward provides a solution to centrally manage corporate AI usage costs. This enables companies to track AI usage volume and costs, driving AI investments forward under appropriate governance.

*2 Source: IDC Japan, “Worldwide AI and Generative AI Spending Guide 2026V1” (published March 2026).
*3 Based on AI tool spending trends on the “Money Forward Business Card” from June 2025 to June 2026.

■ About Money Forward, Inc.
Money Forward, Inc. is the leading SaaS / Fintech company from Japan, listed on the Prime Section of the Tokyo Stock Exchange (3994.T). We mainly provide B2B SaaS such as online bookkeeping, HR management, contract management, and payroll; now serving more than 493,000 paying customers nationwide. Our consumer-facing service for personal finance management (PFM) now has 18.3M users.
URL: https://corp.moneyforward.com/en/

* All company names, product and service names, and logos are trademarks or registered trademarks of their respective owners.

For further information, please contact:
PR Division, Money Forward, Inc.
Email:pr@moneyforward.co.jp