An image forming apparatus includes an image forming unit, a save mode setting unit, a reference cost obtaining unit, a minimum monetary-sum extraction unit, and a usage volume setting unit. The minimum monetary-sum extraction unit is configured to extract a minimum monetary sum for each tone from reference costs for a plurality of image forming modes. The usage volume setting unit is configured to: obtain a post-reduction cost where a reduced monetary sum by the save mode is subtracted from the minimum monetary sum; and set reference usage volume as usage volumes for the dark color material and the light color material in the save mode, the reference usage volume being obtained based on the reference costs for the image forming modes corresponding to the post-reduction cost.