[2026 Latest] Summary of Fintokei’s Deterioration | Details on Price Increase, Impact, and 3 Smart Countermeasures

February 22, 2026 Updated

“Fintokei has deteriorated” and “It’s unusable now due to the price increase” – these voices have been circulating on social media and in the trader community since the fee revision in November 2024. However, can we really call it a “deterioration”? To put it bluntly, the price increase is a fact, but it cannot be simply called a deterioration when the service expansion is taken into consideration. This article will explain the full details of Fintokei’s fee revision and specific countermeasures to continue using it wisely in 2026. If you haven’t grasped the basic rules of Fintokei yet, please first check out the “Detailed Explanation of Fintokei’s Reputation and Rules“.

【Conclusion】The “Deterioration” of Fintokei is Partially True, but the Impact Can Be Minimized with Countermeasures

Shincho-kun

Honestly, has Fintokei really deteriorated? Is it at the level where I shouldn’t use it anymore?

Kaitai Sensei

The price increase is a fact. But whether it’s a “deterioration” depends on your perspective. New features like the point stage system and educational content have also been added, and you can buy at a price close to the pre-revision price with coupons. Let’s look at it calmly.

First, let’s summarize the conclusion.

On November 4, 2024, the fee revision resulted in 4 out of the 6 Challenge plans being increased in price. The price increase range is 3,000 yen to 59,000 yen, with the higher plans being more significantly impacted.

However, considering the following 3 points, it cannot be simply called a “deterioration”:

• The coupon code “KAITAI” can be applied for a 20% discount → There are also plans that are actually cheaper than before the revision
• The addition of the point stage system means that the more you continue to trade, the more benefits you can receive
• The Crystal (2 million yen) and Ruby (10 million yen) plans are unchanged, so there are still cost-effective options

In other words, “if you buy without thinking, it will be more expensive, but if you know the countermeasures, it’s not a problem” is the accurate assessment as of 2026.

Details of Fintokei’s Fee Revision | Comparison of All Plans Before and After the Revision

Shincho-kun

I’d like to know specifically which plans have increased in price and by how much.

Kaitai Sensei

I’ve summarized it in a table. I’ve included not only the price increase, but also the “cost ratio relative to the initial capital,” so you can see which plan is truly the most cost-effective.

The full details of the new prices applied on November 4, 2024 are as follows:

The 3 key points to note are:

• Crystal and Ruby remain unchanged: The 2 million yen plan popular with beginners and the 10 million yen plan for intermediate traders are unaffected
• The higher the plan, the higher the price increase rate: Emerald (50 million yen) has a price increase of about 24.6%
• The price increase for Pearl is only 3,000 yen, which is minimal: An increase of 3,000 yen for a 5 million yen trading capital is within a tolerable range

Why Is It Called a “Deterioration”? 3 Backgrounds