{
  "version": 1,
  "profiles": {
    "income": {
      "birthYear": 1986,
      "birthMonth": 4,
      "phases": [
        {
          "id": "f1000000-0000-4000-8000-000000000001",
          "startAge": 39,
          "startMonth": 1,
          "endAge": 60,
          "endMonth": 3,
          "type": "EMPLOYEE",
          "baseSalary": 600000,
          "bonusDetails": {
            "summerAmount": 900000,
            "summerMonth": 7,
            "winterAmount": 900000,
            "winterMonth": 12
          },
          "salaryGrowthRate": 0
        },
        {
          "id": "f1000000-0000-4000-8000-000000000002",
          "startAge": 60,
          "startMonth": 4,
          "endAge": 100,
          "endMonth": 3,
          "type": "RETIRED",
          "baseSalary": 0
        }
      ],
      "spouse": {
        "hasSpouse": true,
        "birthYear": 1986,
        "birthMonth": 4,
        "phases": [
          {
            "id": "f1000000-0000-4000-8000-000000000003",
            "startAge": 39,
            "startMonth": 1,
            "endAge": 60,
            "endMonth": 3,
            "type": "EMPLOYEE",
            "baseSalary": 200000,
            "bonusDetails": {
              "summerAmount": 300000,
              "summerMonth": 7,
              "winterAmount": 300000,
              "winterMonth": 12
            },
            "salaryGrowthRate": 0
          },
          {
            "id": "f1000000-0000-4000-8000-000000000004",
            "startAge": 60,
            "startMonth": 4,
            "endAge": 100,
            "endMonth": 3,
            "type": "RETIRED",
            "baseSalary": 0
          }
        ],
        "retirementBenefits": [],
        "sideIncomes": []
      },
      "children": [
        {
          "id": "c1000000-0000-4000-8000-000000000001",
          "birthYear": 2018,
          "birthMonth": 4
        },
        {
          "id": "c1000000-0000-4000-8000-000000000002",
          "birthYear": 2022,
          "birthMonth": 4
        }
      ],
      "sideIncomes": [],
      "retirementBenefits": [
        {
          "id": "f1000000-0000-4000-8000-000000000007",
          "name": "退職金",
          "type": "LUMP_SUM",
          "amount": 15000000,
          "startAge": 60,
          "startMonth": 4,
          "yearsOfService": 38
        }
      ]
    },
    "housing": {
      "phases": [
        {
          "id": "f1000000-0000-4000-8000-000000000005",
          "type": "OWNED_HOUSE",
          "startAge": 40,
          "startMonth": 4,
          "endAge": 100,
          "endMonth": 3,
          "purchasePrice": 50000000,
          "initialExpense": 3500000,
          "downPayment": 0,
          "annualPropertyTax": 150000,
          "monthlyMaintenanceFee": 35000,
          "maintenanceFeeIncreaseRate": 0,
          "annualFireInsurance": 30000,
          "annualEarthquakeInsurance": 10000
        }
      ]
    },
    "pension": {
      "pensionAge": 65,
      "pensionStartMonth": 0,
      "pensionDiscountRate": 1,
      "teikibin": {
        "createdAtYear": 2026,
        "createdAtMonth": 4,
        "ippanKoseiNenkinMonths": 216,
        "koseiNenkinMonths": 216,
        "totalMonths": 216,
        "basicPensionAmount": 365000,
        "totalPensionAmount": 1005000
      },
      "spouse": {
        "pensionAge": 65,
        "pensionStartMonth": 0,
        "pensionDiscountRate": 1,
        "teikibin": {
          "createdAtYear": 2026,
          "createdAtMonth": 4,
          "ippanKoseiNenkinMonths": 216,
          "koseiNenkinMonths": 216,
          "totalMonths": 216,
          "basicPensionAmount": 365000,
          "totalPensionAmount": 665000
        }
      }
    },
    "education": {
      "educationInflationRate": 0.015,
      "children": [
        {
          "id": "c1000000-0000-4000-8000-000000000001",
          "name": "第1子",
          "birthYear": 2018,
          "birthMonth": 4,
          "isSyncedWithFirst": false,
          "route": {
            "nurseryType": "NONE",
            "nurseryStartAge": 1,
            "nurseryStartMonth": 4,
            "primary": "PUBLIC",
            "isJuniorHighExam": false,
            "isGakudoEnabled": false,
            "gakudoType": "PUBLIC",
            "juniorHigh": "PUBLIC",
            "highSchool": "PUBLIC",
            "university": "PRIVATE",
            "universityMajor": "ARTS",
            "graduateSchool": "NONE",
            "graduateMajor": "ARTS",
            "isLivingAlone": false
          },
          "extraEvents": []
        },
        {
          "id": "c1000000-0000-4000-8000-000000000002",
          "name": "第2子",
          "birthYear": 2022,
          "birthMonth": 4,
          "isSyncedWithFirst": false,
          "route": {
            "nurseryType": "LICENSED",
            "nurseryStartAge": 1,
            "nurseryStartMonth": 4,
            "primary": "PUBLIC",
            "isJuniorHighExam": false,
            "isGakudoEnabled": false,
            "gakudoType": "PUBLIC",
            "juniorHigh": "PUBLIC",
            "highSchool": "PUBLIC",
            "university": "PRIVATE",
            "universityMajor": "ARTS",
            "graduateSchool": "NONE",
            "graduateMajor": "ARTS",
            "isLivingAlone": false
          },
          "extraEvents": []
        }
      ]
    },
    "basicExpense": {
      "isSingle": false,
      "useStats": false,
      "spouse": {
        "hasSpouse": true,
        "birthYear": 1986,
        "birthMonth": 4
      },
      "children": [
        {
          "id": "c1000000-0000-4000-8000-000000000001",
          "birthYear": 2018,
          "birthMonth": 4
        },
        {
          "id": "c1000000-0000-4000-8000-000000000002",
          "birthYear": 2022,
          "birthMonth": 4
        }
      ],
      "expenses": [
        {
          "id": "b1000000-0000-4000-8000-000000000004",
          "name": "基本生活費",
          "monthlyAmount": 183000,
          "isSubjectToInflation": true,
          "timing": {
            "type": "USER_AGE",
            "targetAge": 39,
            "endAge": 100,
            "month": 1
          }
        },
        {
          "id": "b1000000-0000-4000-8000-000000000005",
          "name": "養育費（第1子）",
          "monthlyAmount": 42000,
          "isSubjectToInflation": true,
          "timing": {
            "type": "CHILD_AGE",
            "relativeToChildId": "c1000000-0000-4000-8000-000000000001",
            "targetAge": 0,
            "endAge": 22,
            "month": 4
          }
        },
        {
          "id": "b1000000-0000-4000-8000-000000000006",
          "name": "養育費（第2子）",
          "monthlyAmount": 42000,
          "isSubjectToInflation": true,
          "timing": {
            "type": "CHILD_AGE",
            "relativeToChildId": "c1000000-0000-4000-8000-000000000002",
            "targetAge": 0,
            "endAge": 22,
            "month": 4
          }
        }
      ]
    },
    "investment": {
      "strategy": {
        "targetAssetMix": {
          "cash": 0.4,
          "foreign-stock": 0.6
        },
        "rebalanceThreshold": 0.05,
        "withdrawalOrder": [
          "CASH",
          "SPECIFIC",
          "NISA"
        ],
        "cashCushion": {
          "isEnabled": true,
          "targetAmount": 3000000,
          "withdrawalPriorityDuringCrash": true,
          "crashDefinitionDrawdown": -0.2
        },
        "idecoSeparateStrategy": false,
        "nisaSwitchingEnabled": true,
        "assetClassOverrides": {
          "foreign-stock": {
            "return": 0.04,
            "risk": 0.18
          }
        }
      },
      "designatedInvestments": [],
      "stressTests": []
    },
    "ideco": {
      "contributionSettings": {},
      "allocationPhases": [],
      "withdrawalAge": 60,
      "withdrawalMethod": "LUMP_SUM"
    },
    "insurance": {
      "insurances": []
    },
    "medical": {
      "primary": {
        "healthStatus": "NORMAL",
        "overrides": []
      },
      "spouse": {
        "hasSpouse": true,
        "healthStatus": "NORMAL",
        "overrides": []
      }
    },
    "lifeEvent": {
      "events": []
    },
    "cars": [
      {
        "id": "d1000000-0000-4000-8000-000000000001",
        "name": "ファミリーカー",
        "carType": "SUV",
        "purchasePrice": 3500000,
        "annualInsurance": 60000,
        "replacementCycleYears": 10,
        "purchaseMonth": 4,
        "isNewCar": false,
        "registrationYear": 2023,
        "monthsUntilNextInspection": 3,
        "endAge": 52,
        "monthlyParkingFee": 15000,
        "monthlyGasoline": 12000,
        "isParkingFeeLinkedToResidence": true,
        "isGasolineLinkedToResidence": true,
        "resaleValueLevel": "Normal"
      }
    ],
    "loan": {
      "loans": [
        {
          "id": "f1000000-0000-4000-8000-000000000006",
          "name": "住宅ローン",
          "type": "MORTGAGE",
          "principalAmount": 50000000,
          "interestRateType": "FIXED",
          "interestRate": 0.02,
          "termYears": 35,
          "startAge": 40,
          "startMonth": 4,
          "repaymentMethod": "EQUAL_PRINCIPAL_AND_INTEREST",
          "belongsTo": "PRIMARY",
          "bonusPrincipalRatio": 0,
          "mortgageDeduction": {
            "isEnabled": true,
            "durationYears": 13,
            "deductionRate": 0.007,
            "housingCategory": "ENERGY_SAVING"
          }
        }
      ]
    }
  },
  "initialAccounts": [
    {
      "id": "a3000000-0000-4000-8000-000000000001",
      "name": "普通預金",
      "type": "CASH",
      "balance": 4000000,
      "costBasis": 4000000,
      "belongsTo": "PRIMARY"
    },
    {
      "id": "a3000000-0000-4000-8000-000000000002",
      "name": "NISA口座",
      "type": "NISA",
      "assetClassId": "foreign-stock",
      "balance": 6000000,
      "costBasis": 5000000,
      "belongsTo": "PRIMARY"
    }
  ],
  "settings": {
    "residenceType": "URBAN",
    "currentYear": 2026,
    "currentMonth": 4,
    "startMonth": 1,
    "lifeExpectancy": 100,
    "generalInflationRate": 0.015
  },
  "taxStats": {
    "lastYearGrossIncome": 9000000,
    "lastYearIncomeTaxAmount": 490000,
    "lastYearSpouseGrossIncome": 3000000,
    "lastYearSpouseIncomeTaxAmount": 16000
  },
  "plannedFireAge": 60,
  "isFireAgeLinked": false,
  "isOnboardingCompleted": true
}