{
  "site": "家計見直し相談ノート",
  "updated": "2026-10-08",
  "dataPolicy": "編集部が執筆した比較用台帳。例の金額は仮定。料金DBや将来予測ではない。",
  "entries": [
    {
      "id": "career-gap-monthly-cashflow",
      "name": "転職前の無収入期間を月別に計算する｜最後の給与から初回給与まで",
      "summary": "退職日と入社日だけでなく、給与の締日・支払日、税・保険の納付月を並べ、最低残高を確認します。",
      "question": "転職すれば手取りが増える試算でも、つなぎ期間を乗り切れる？",
      "criteria": [
        "給与日を確認",
        "支払日を記録",
        "月別に計算",
        "最低残高を見る"
      ],
      "table": {
        "caption": "編集部の仮定による給与の空白期間",
        "heads": [
          "月",
          "入金",
          "生活費＋一時費",
          "月末現金"
        ],
        "rows": [
          [
            "開始前",
            "—",
            "—",
            "1,200,000円"
          ],
          [
            "1",
            "300,000円",
            "350,000円",
            "1,150,000円"
          ],
          [
            "2",
            "0円",
            "250,000円",
            "900,000円"
          ],
          [
            "3",
            "0円",
            "250,000円",
            "650,000円"
          ],
          [
            "4",
            "320,000円",
            "250,000円",
            "720,000円"
          ]
        ]
      },
      "sourceArticle": "https://kakei-review-note.com/life-guide/career-gap-monthly-cashflow/",
      "sourceUpdated": "2026-10-08",
      "references": [
        {
          "name": "協会けんぽ：退職後の健康保険の選択肢",
          "url": "https://www.kyoukaikenpo.or.jp/benefit/voluntary_continuation/"
        },
        {
          "name": "国税庁：中途退職で年末調整を受けていないとき",
          "url": "https://www.nta.go.jp/taxes/shiraberu/taxanswer/shotoku/1910.htm"
        }
      ],
      "calculationType": "runway"
    },
    {
      "id": "retirement-outgoings-check",
      "name": "退職後の生活費に何を足す？健康保険・税・年払いの確認表",
      "summary": "給与明細の天引きがなくなっても支払義務までなくなるとは限りません。月額と納付時期を別々に記録します。",
      "question": "仕事を減らす試算の生活費は、今の支出のままでよい？",
      "criteria": [
        "天引きを拾う",
        "窓口で確認",
        "年額を月割り",
        "支払月も残す"
      ],
      "table": {
        "caption": "退職後支出の記入台帳",
        "heads": [
          "確認項目",
          "使う資料・窓口",
          "記録するもの"
        ],
        "rows": [
          [
            "健康保険",
            "加入先・自治体",
            "適用条件、保険料、申請期限"
          ],
          [
            "年金・保険関係",
            "年金機構・加入先",
            "収入と控除の見込、負担"
          ],
          [
            "住民税等",
            "勤務先・自治体",
            "未納付額、納付方法、時期"
          ],
          [
            "所得税",
            "源泉徴収票・国税庁",
            "年末調整・申告の確認"
          ],
          [
            "年払い",
            "保険・契約の更新通知",
            "年額と支払月"
          ],
          [
            "住まい・臨時支出",
            "見積書・点検記録",
            "時期、範囲、予備費"
          ]
        ]
      },
      "sourceArticle": "https://kakei-review-note.com/life-guide/retirement-outgoings-check/",
      "sourceUpdated": "2026-10-08",
      "references": [
        {
          "name": "協会けんぽ：退職後の健康保険の選択肢",
          "url": "https://www.kyoukaikenpo.or.jp/benefit/voluntary_continuation/"
        },
        {
          "name": "国税庁：中途退職で年末調整を受けていないとき",
          "url": "https://www.nta.go.jp/taxes/shiraberu/taxanswer/shotoku/1910.htm"
        },
        {
          "name": "J-FLEC：はじめてのマネープラン",
          "url": "https://www.j-flec.go.jp/feature/consult/"
        }
      ],
      "calculationType": null
    },
    {
      "id": "cash-before-investing",
      "name": "生活費・近い予定・運用資金を分ける｜投資を始める前の三つの箱",
      "summary": "必要な時期と損失への耐性から資金を区分します。「全員○か月分」や一定利回りを前提にしません。",
      "question": "Life-simuで現金と運用を比べた。いくらを運用に回せる？",
      "criteria": [
        "支払日を書く",
        "予定を確保",
        "収入減に備える",
        "残額を考える"
      ],
      "table": {
        "caption": "編集部の仮定：預貯金200万円の区分",
        "heads": [
          "箱",
          "仮の金額",
          "確認事項"
        ],
        "rows": [
          [
            "日常の支払い",
            "200,000円",
            "次の入金までの請求"
          ],
          [
            "近い予定",
            "500,000円",
            "時期が決まった学費・転居等"
          ],
          [
            "収入減への備え",
            "900,000円",
            "支出と空白期間から個別に算定"
          ],
          [
            "制約を引いた残額",
            "400,000円",
            "運用推奨額ではない"
          ]
        ]
      },
      "sourceArticle": "https://kakei-review-note.com/life-guide/cash-before-investing/",
      "sourceUpdated": "2026-10-08",
      "references": [
        {
          "name": "金融庁：NISAを知る",
          "url": "https://www.fsa.go.jp/policy/nisa2/know/index.html"
        },
        {
          "name": "J-FLEC：はじめてのマネープラン",
          "url": "https://www.j-flec.go.jp/feature/consult/"
        }
      ],
      "calculationType": null
    },
    {
      "id": "investment-downside-scenarios",
      "name": "運用利回りをプラスだけで置かない｜積立停止・下落・売却の三つの試算",
      "summary": "平均利回りの計算と、特定の時点の価格下落は別の仮定です。生活資金の不足と区別して記録します。",
      "question": "試算上は運用で増える。悪い条件でも使う予定のお金を残せる？",
      "criteria": [
        "基準を残す",
        "積立停止を試す",
        "下落を別計算",
        "現金不足を確認"
      ],
      "table": {
        "caption": "損失と生活資金を混同しない確認表",
        "heads": [
          "ケース",
          "変える条件",
          "残す確認"
        ],
        "rows": [
          [
            "基準",
            "年率・積立を自己仮定",
            "予測値ではない"
          ],
          [
            "積立停止",
            "停止期間の入金を0へ",
            "生活費の不足が減るか"
          ],
          [
            "下落時売却",
            "売却時点の価格を別計算",
            "予定資金を確保できるか"
          ],
          [
            "収入減も重なる",
            "収入の空白を追加",
            "最低現金と売却の必要性"
          ]
        ]
      },
      "sourceArticle": "https://kakei-review-note.com/life-guide/investment-downside-scenarios/",
      "sourceUpdated": "2026-10-08",
      "references": [
        {
          "name": "金融庁：NISAを知る",
          "url": "https://www.fsa.go.jp/policy/nisa2/know/index.html"
        }
      ],
      "calculationType": null
    }
  ]
}