{"text_format":"1","workbook":"xlsx","n_sheets":19,"sheets":["記入方法","パーソナル情報","年金","【退職後】年間収入と支出","手取り額計算 (2)","保険一覧","不動産","資産","【就労時】年間収入と支出","手取り額計算","住宅ローン返済表","【退職後】資金シミュレーション","キャッシュフロー表","医療・介護","遺言書","お葬式・お墓","公的書類","デジタル遺品","ペット"],"not_rendered":{"charts":1,"images":7,"macros":1,"external_links":0,"defined_names":14,"comments":8,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"記入方法","index":0,"n_rows":39,"n_cols":3,"rows_kept":39,"cut":false,"hidden":false,"merged":[]}
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[null,"■本シートの使用方法"]
[null,"●左のシートから右のシートへ、順に記入していきます。"]
[null,"●最初からすべてを埋めようとせず、わかるところから記入しましょう。"]
[null,"①まず年金受給予定額を確認してみましょう。"]
[null,"　・年金定期便か年金ネットを利用して確認することができます。"]
[null,"②老後の生活を想像して毎月の支出額を書き出しましょう。"]
[null,"　・ゆとりある老後生活を送るための支出額をデフォルト記入しています。"]
[null,"　・自身で具体的に考えて記入することも可能です。"]
[null,"③保険・不動産・預金や投資運用など財産の状況を確認します。"]
[null,"　・キャッシュフロー表を作成するため、まずは金額だけでOK。"]
[null,"④現在の収入と支出と、年金受給までの変化を記入していきます。"]
[null,"　・現在の収入は、源泉徴収票があれば便利です。"]
[null,"⑤現在収支の余剰金から、老後資金となる積立金をシミュレーション。"]
[null,"⑥キャッシュフロー表に必要箇所をコピペして完成。"]
[null,"⑦キャッシュフロー表の結果や、状況の変化に応じて見直しをかけましょう。"]
[null,"⑧記入できるすべての項目を埋めると、エンディングノートになります。"]
[]
[null,"■本シートの記入方法"]
[null,"●記入する欄は、下記カラーに分かれています。"]
[null,null,"・・・必須記入欄　キャッシュフロー表のベースとなる項目です。"]
[null,null,"・・・優先記入欄　老後資金を知り、準備するためのキャッシュフロー表に必要です。"]
[null,null,"・・・任意記入欄　空欄が少ないほど完成度が高まります。調べて埋めていきましょう。"]
[null,"●下記欄は計算結果が表示されるので記入不要。"]
[null,"　　（記入すると計算式が削除されます）"]
[null,null,"・・・こちらの計算結果は、キャッシュフロー表に値でコピペしてください。"]
[null,null,"・・・計算結果の表示のみ。"]

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["住まいの終活『すましゅう』",null,null,null,null,null,"記入日","2024//"]
[null,"連絡先",null,null,null,null,"使用期限"]
[null,"名前"]
[null,"旧姓"]
[null,"生年月日","1960//",null,"年齢",{"$f":"IF(C5=\"\",\"\",DATEDIF(C5,$H$1,\"Y\"))","v":{"$error":"#VALUE!"}},"歳"]
[null,"住所"]
[null,"電話"]
[null,"血液型",null,"型"]
[null,"勤務先"]
[null,"勤務先電話番号"]
[null,"本籍地"]
[null,null,"名前",null,"続柄","生年月日",null,"年齢"]
[null,"相続人１",null,null,null,"197０//",null,{"$f":"IF(F13=\"\",\"\",DATEDIF(F13,$H$1,\"Y\"))","v":{"$error":"#VALUE!"}}]
[null,"相続人２",null,null,null,null,null,{"$f":"IF(F14=\"\",\"\",DATEDIF(F14,$H$1,\"Y\"))","v":""}]
[null,"相続人３",null,null,null,null,null,""]
[null,"相続人４",null,null,null,null,null,""]
[null,"相続人５",null,null,null,null,null,""]
[]
[null,"光熱費などの契約",null,"連絡先",null,null,null,"支払方法"]
[null,"電気代"]
[null,"ガス代"]
[null,"水道料金"]
[null,"新聞"]
[null,"定期購読"]
[null,"ＮＨＫ"]
[null,"ケーブルテレビ"]
[]
[null,"クラブ・習い事などの会員",null,1,null,null,2]
[null,"種類"]
[null,"連絡先"]
[null,null,null,3,null,null,4]
[null,"種類"]
[null,"連絡先"]

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["住まいの終活『すましゅう』",null,null,null,null,null,"記入日",{"$f":"パーソナル情報!H1","v":"2024//"}]
[null,"記入日時点での年金情報と、受取見込額を確認してください。"]
[null,"公的年金",null,null,null,null,null,null,null,null,"●年金見込額の確認方法",null,null,"出典：","「ねんきんネット」による年金見込額試算｜日本年金機構"]
[null,null,"被保険者",null,null,"本人",null,null,null,null,null,null,null,null,"※利用にはマイナポータル連携と、ユーザーID取得が必要"]
[null,null,"年金の種類"]
[null,null,"公的年金　基礎年金番号"]
[null,null,"年金手帳の保管場所"]
[null,null,"受給開始（予定）年齢",null,null,null,"歳",{"$f":"YEAR(パーソナル情報!$H$1)+(F8-パーソナル情報!$F$5)","v":{"$error":"#VALUE!"}},"年"]
[null,null,"年金受取（予定）額",null,null,null,"万円／月",{"$f":"F9*12","v":0},"万円／年","※繰り上げ・繰り下げ受給額は反映しない見込み額"]
[null,null,"振込口座"]
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[null,null,"被保険者",null,null,"配偶者"]
[null,null,"年金の種類"]
[null,null,"公的年金　基礎年金番号"]
[null,null,"年金手帳の保管場所"]
[null,null,"受給開始（予定）年齢",null,null,null,"歳",{"$f":"YEAR(パーソナル情報!$H$1)+(F16-パーソナル情報!$H$13)","v":{"$error":"#VALUE!"}},"年"]
[null,null,"年金受取（予定）額",null,null,null,"万円／月",{"$f":"F17*12","v":0},"万円／年","※繰り上げ・繰り下げ受給額は反映しない見込み額"]
[null,null,"振込口座"]
[]
[null,null,"世帯年金受取（予定）額　合計",null,null,{"$f":"F17+F9","v":0},"万円／月",{"$f":"F20*12","v":0},"円／年"]
[]
[null,"企業年金"]
[null,null,"被保険者",null,null,"本人"]
[null,null,"公的年金　基礎年金番号"]
[null,null,"年金証書の保管場所"]
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[null,null,"年金受取（予定）額",null,null,null,null,"万円"]
[null,null,"振込口座"]
[]
[null,null,"被保険者",null,null,"配偶者"]
[null,null,"公的年金　基礎年金番号"]
[null,null,"年金証書の保管場所"]
[null,null,"受給開始（予定）年齢",null,null,null,"歳",{"$f":"YEAR(パーソナル情報!$H$1)+(F33-パーソナル情報!$H$13)","v":{"$error":"#VALUE!"}},"年"]
[null,null,"年金受取（予定）額",null,null,null,null,"万円"]
[null,null,"振込口座"]
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[null,null,"企業年金受取（予定）額　合計",null,null,{"$f":"F34+F27","v":0},null,"万円"]
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[null,"個人年金",null,null,null,"年金受取額",null,"年金受取年"]
[null,null,"被保険者","本人",null,null,"万円",{"$f":"YEAR(パーソナル情報!$H$1)+(D43-パーソナル情報!$F$5)","v":{"$error":"#VALUE!"}},"年"]
[null,null,"金融機関"]
[null,null,"口座番号"]
[null,null,"受給開始年齢",null,"歳"]
[null,null,null,null,null,"年金受取額",null,"年金受取年"]
[null,null,"被保険者","本人",null,null,"万円",{"$f":"YEAR(パーソナル情報!$H$1)+(D48-パーソナル情報!$F$5)","v":{"$error":"#VALUE!"}},"年"]
[null,null,"金融機関"]
[null,null,"口座番号"]
[null,null,"受給開始年齢",null,"歳"]
[null,null,null,null,null,"年金受取額",null,"年金受取年"]
[null,null,"被保険者","本人",null,null,"万円",{"$f":"YEAR(パーソナル情報!$H$1)+(D53-パーソナル情報!$F$5)","v":{"$error":"#VALUE!"}},"年"]
[null,null,"金融機関"]
[null,null,"口座番号"]
[null,null,"受給開始年齢",null,"歳"]
[null,null,null,null,null,"年金受取額",null,"年金受取年"]
[null,null,"被保険者","配偶者",null,null,"万円",{"$f":"YEAR(パーソナル情報!$H$1)+(D58-パーソナル情報!$H$13)","v":{"$error":"#VALUE!"}},"年"]
[null,null,"金融機関"]
[null,null,"口座番号"]
[null,null,"受給開始年齢",null,"歳"]
[null,null,null,null,null,"年金受取額",null,"年金受取年"]
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[null,null,"金融機関"]
[null,null,"口座番号"]
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[null,null,null,null,null,"年金受取額",null,"年金受取年"]
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[null,null,"金融機関"]
[null,null,"口座番号"]
[null,null,"受給開始年齢",null,"歳"]
[]
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[null,null,null,null,null,null,"年",0,"万円"]
[null,null,null,null,null,null,"年",0,"万円"]
[null,null,null,null,null,null,"年",0,"万円"]
[null,null,null,null,null,null,"年",0,"万円"]
[null,null,null,null,null,"合計",null,{"$f":"SUM(H70:H75)","v":0},"万円"]

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["住まいの終活『すましゅう』",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"●年金見込額の確認方法",null,null,"出典：","「ねんきんネット」による年金見込額試算｜日本年金機構"]
[null,"【退職後】収入と支出を調べよう",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"※利用にはマイナポータル連携と、ユーザーID取得が必要"]
[null,"年金受取時点から健康に過ごせる間の年間収入と支出の予測を書き出そう",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"●公的年金控除",null,null,"出典：","No.1600 公的年金等の課税関係｜国税庁"]
[]
[null,"老後どんな生活を送りたいか？いくつまで生きたいか？いくつまで元気でいたいか？どんな最期を迎えたいか？",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"●年間の国民健康料の算出",null,null,"出典：","国民健康保険料を簡単に計算！国保シミュレーション | 税金・社会保障教育",null,null,null,null,null,null,"※ご使用は自己責任でお願いします"]
[null,"その希望の老後生活を送った際の年間収支を予測して、家計が赤字か黒字か見てみましょう。",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"出典：","家計調査年報（家計収支編）2023年（令和５年）結果の概要"]
[null,"年金受給開始",null,{"$f":"年金!F8","v":0},null,null,null,"歳","記入日から",null,null,null,{"$f":"D7-パーソナル情報!F5","v":{"$error":"#VALUE!"}},"年後",null,null,null,null,null,null,null,null,null,null,null,"●介護保険　第一号保険料",null,null,"出典：","第９期介護保険事業計画期間における介護保険の第１号保険料及びサービス見込み量等について｜厚生労働省"]
[]
[null,"65歳の年金受給予定額",null,null,null,"年間",null,{"$f":"年金!H9","v":0},"万円",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"●介護保険　第一号保険料",null,null,"出典：","老後の生活費は平均いくら？資金計画のポイント３つを解説！｜役立つデータ公開中！｜住友生命保険"]
[null,null,null,null,null,null,null,"受給年齢",null,null,null,null,"繰上げ・繰下げ率",null,null,null,null,"年間受給額",null,null,null,"配偶者控除"]
[null,"(本人）受給開始年齢を選択",null,null,null,null,null,{"$f":"年金!F8","v":0},"歳",null,null,null,{"$f":"VLOOKUP(H11,'手取り額計算 (2)'!G18:K33,5,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,{"$f":"H9*(100%+M11)","v":{"$error":"#N/A"}},"万円",null,null,"あり"]
[null,"(配偶者）受給開始年齢を選択",null,null,null,null,null,{"$f":"年金!F16","v":0},"歳",null,null,null,{"$f":"VLOOKUP(H12,'手取り額計算 (2)'!G19:K34,5,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,{"$f":"年金!H17*(100%+M12)","v":{"$error":"#N/A"}},"万円"]
[]
[null,"●年間の収入"]
[null,{"$f":"YEAR(パーソナル情報!$H$1)+(H11-パーソナル情報!$F$5)","v":{"$error":"#VALUE!"}},{"$f":"YEAR(パーソナル情報!$H$1)+(A15-パーソナル情報!$F$5)","v":{"$error":"#VALUE!"}},"年",null,null,null,"所得税率"]
[null,null,null,null,null,null,null,5.1049999999999998E-2]
[null,"収入金額",null,null,null,null,null,"所得税",null,null,null,null,"社会保険料",null,null,null,null,"住民税",null,null,null,"年間手取り収入\n（可処分所得）"]
[null,"本人",{"$f":"R11","v":{"$error":"#N/A"}},"\n万円",null,"－",null,{"$f":"'手取り額計算 (2)'!C27","v":{"$error":"#N/A"}},"\n万円",null,"＋",null,{"$f":"'手取り額計算 (2)'!C15","v":{"$error":"#N/A"}},"\n万円",null,"＋",null,{"$f":"'手取り額計算 (2)'!C28","v":{"$error":"#N/A"}},"\n万円",null,"＝",{"$f":"+C18-(H18+M18+R18)","v":{"$error":"#N/A"}},"\n万円"]
[null,"配偶者",{"$f":"R12","v":{"$error":"#N/A"}},"\n万円",null,null,null,{"$f":"'手取り額計算 (2)'!C63","v":{"$error":"#N/A"}},"\n万円",null,null,null,{"$f":"'手取り額計算 (2)'!C51","v":{"$error":"#N/A"}},"\n万円",null,null,null,{"$f":"'手取り額計算 (2)'!C64","v":{"$error":"#N/A"}},"\n万円",null,null,{"$f":"+C19-(H19+M19+R19)","v":{"$error":"#N/A"}},"\n万円"]
[null,null,null,null,null,null,null,5.1049999999999998E-2]
[null,{"$f":"YEAR(パーソナル情報!$H$1)+(H12-パーソナル情報!$H$13)","v":{"$error":"#VALUE!"}},{"$f":"YEAR(パーソナル情報!$H$1)+(A21-パーソナル情報!$H$13)","v":{"$error":"#VALUE!"}},"年",null,null,null,"所得税率"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"年間手取り収入合計",null,null,null,null,null,null,null,{"$f":"SUM(V18:V19)","v":{"$error":"#N/A"}},"\n万円"]
[]
[null,"●年間の支出"]
[null,"支出項目",null,null,"内容",null,null,null,null,null,"毎月の支出①",null,null,null,null,"年に数回の支出②",null,null,null,null,"年間の支出\n①×12＋②"]
[null,"基本生活費",null,null,"食費、水道光熱費、\n通信費、日用雑貨費、\n教養娯楽費など",null,null,null,null,null,36,null,null,"万円",null,null,null,null,"万円",null,null,{"$f":"+K27*12+P27","v":432},"万円"]
[null,"住居関連費",null,null,"住宅ローン、管理費、\n積立金、固定資産税など",null,null,null,null,null,null,null,null,"万円",null,null,null,null,"万円",null,null,{"$f":"+K28*12+P28","v":0},"万円"]
[null,"車両費",null,null,"駐車場代、ガソリン代、\n自動車税など",null,null,null,null,null,null,null,null,"万円",null,null,null,null,"万円",null,null,0,"万円"]
[null,"教育・医療費",null,null,"学校教育費、塾代、\n習い事の費用、\n医療、介護費用など",null,null,null,null,null,null,null,null,"万円",null,null,null,null,"万円",null,null,0,"万円"]
[null,"保険料",null,null,"家族全員の保険料",null,null,null,null,null,null,null,null,"万円",null,null,null,null,"万円",null,null,0,"万円",null,null,"※2　厚生労働省　令和2年度「厚生年金保険・国民年金事業年報」、2022年3月「第92回社会保障審議会年金数理部会資料」に基づき住友生命にて作成\n※3　総務省統計局　2021年「家計調査」に基づき住友生命にて作成"]
[null,"貯蓄・運用資金",null,null,"積立貯蓄、運用資金",null,null,null,null,null,null,null,null,"万円",null,null,null,null,"万円",null,null,0,"万円"]
[null,"その他の支出",null,null,"レジャー費、交際費、\n冠婚葬祭費など",null,null,null,null,null,null,null,null,"万円",null,null,null,null,"万円",null,null,0,"万円"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"年間支出合計",null,null,null,null,{"$f":"SUM(U27:V34)","v":432},null,"\n万円"]
[]
[null,null,null,null,null,null,null,null,null,null,"1年間の収支",null,null,null,null,null,null,null,null,null,{"$f":"+V23-U35","v":{"$error":"#N/A"}},null,"\n万円",null,null,"※4　公益財団法人生命保険文化センター　令和元年「生活保障に関する調査」に基づき住友生命にて作成"]
[null,"人生最終盤、介護も見据えた時期の年間収入と支出の予測を書き出そう"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"●介護に要した期間",null,null,"出典：","介護にはどれくらいの費用・期間がかかる？｜リスクに備えるための生活設計｜ひと目でわかる生活設計情報｜公益財団法人　生命保険文化センター"]
[null,"介護も必要になった期間の年間収支を予測して、家計が赤字か黒字か見てみましょう。"]
[null,"介護開始",null,85,null,null,null,"歳","年金受給開始から",null,null,null,null,{"$f":"D41-D7","v":85},null,null,null,"年後"]
[null,{"$f":"D7+N41","v":85},null,"年","～",null,null,{"$f":"B42+N42","v":90},null,"年まで",null,null,null,{"$f":"V42-D41","v":5},null,null,null,"年間","寿命",null,null,90,"歳"]
[]
[null,"希望する介護や医療の方法、計算根拠があれば記入しておくと、後で見直す際に便利です"]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"●年間の支出",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"出典：生命保険文化センター「生命保険に関する全国実態調査」／2021（令和3）年度"]
[null,"支出項目",null,null,"内容",null,null,null,null,null,"毎月の支出①",null,null,null,null,"年に数回の支出②",null,null,null,null,"年間の支出\n①×12＋②"]
[null,"基本生活費",null,null,"食費、水道光熱費、\n通信費、日用雑貨費、\n教養娯楽費など",null,null,null,null,null,11,null,null,"万円",null,null,null,null,"万円",null,null,{"$f":"+K55*12+P55","v":132},"万円",null,null,"●介護かかる費用の平均金額",null,null,"出典：","介護にはどれくらいの費用・期間がかかる？｜リスクに備えるための生活設計｜ひと目でわかる生活設計情報｜公益財団法人　生命保険文化センター"]
[null,"住居関連費",null,null,"住宅ローン、管理費、\n積立金、固定資産税など",null,null,null,null,null,null,null,null,"万円",null,null,null,null,"万円",null,null,{"$f":"+K56*12+P56","v":0},"万円"]
[null,"車両費",null,null,"駐車場代、ガソリン代、\n自動車税など",null,null,null,null,null,null,null,null,"万円",null,null,null,null,"万円",null,null,0,"万円"]
[null,"教育・医療費",null,null,"学校教育費、塾代、\n習い事の費用、\n医療、介護費用など",null,null,null,null,null,13,null,null,"万円",null,null,null,null,"万円",null,null,156,"万円"]
[null,"保険料",null,null,"家族全員の保険料",null,null,null,null,null,null,null,null,"万円",null,null,null,null,"万円",null,null,0,"万円"]
[null,"貯蓄・運用資金",null,null,"積立貯蓄、運用資金",null,null,null,null,null,null,null,null,"万円",null,null,null,null,"万円",null,null,0,"万円"]
[null,"その他の支出",null,null,"レジャー費、交際費、\n冠婚葬祭費など",null,null,null,null,null,null,null,null,"万円",null,null,null,null,"万円",null,null,0,"万円",null,null,"出典：生命保険文化センター「生命保険に関する全国実態調査」／2021（令和3）年度"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"年間支出合計",null,null,null,null,{"$f":"SUM(U55:V62)","v":288},null,"\n万円"]
[]
[null,null,null,null,null,null,null,null,null,null,"1年間の収支",null,null,null,null,null,null,null,null,null,{"$f":"+V23-U63","v":{"$error":"#N/A"}},null,"\n万円"]

{"sheet":"手取り額計算 (2)","index":4,"n_rows":73,"n_cols":19,"rows_kept":73,"cut":false,"hidden":true,"merged":[]}
["住まいの終活『すましゅう』"]
[null,"年収から手取り額を簡易計算（年金向け）2020.4～"]
[null,{"$f":"【退職後】年間収入と支出!B15","v":{"$error":"#VALUE!"}},"年"]
[null,"本人",null,"←この色のセルに入力ください"]
[null,null,null,null,null,null,"65歳未満",null,null,null,"65歳以上",null,null,null,null,null,"本人収入","vlookup関数のための数値"]
[null,"本人年齢",{"$f":"【退職後】年間収入と支出!H11","v":0},"歳","①",null,"年収","控除率","速算加減値",null,"年収","控除率","速算加減値",null,null,null,0,2]
[null,"扶養配偶者",{"$f":"【退職後】年間収入と支出!V11","v":"あり"},null,null,null,0,1,0,null,0,1,0,null,null,null,1096,3]
[null,"年金収入",{"$f":"【退職後】年間収入と支出!C18","v":{"$error":"#N/A"}},"万円",null,null,61,1,-60,null,111,1,-110,null,null,null,1146,4]
[null,"配偶者年齢",{"$f":"C6+E9","v":{"$error":"#VALUE!"}},"歳",{"$f":"パーソナル情報!F5-パーソナル情報!H13","v":{"$error":"#VALUE!"}},null,131,0.75,-27.5,null,331,0.75,-27.5,null,null,null,1196,5]
[null,"19-23歳の子供(扶養）",null,"人",null,null,411,0.85,-68.5,null,411,0.85,-68.5]
[null,"70歳以上・非同居(扶養)",null,"人",null,null,771,0.95,-145.5,null,771,0.95,-145.5,null,null,null,"配偶者控除額"]
[null,"70歳以上・同居(扶養)",null,"人",null,null,1001,1,-195.5,null,1001,1,-195.5,null,null,null,"配偶者年齢","配偶者控除額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,39]
[null,"雑所得額",{"$f":"IF(C6<65,VLOOKUP(C8,G7:I13,2,TRUE)*C8+VLOOKUP(C8,G7:I13,3,TRUE),VLOOKUP(C8,K7:M13,2,TRUE)*C8+VLOOKUP(C8,K7:M13,3,TRUE))","v":{"$error":"#N/A"}},"万円",null,null,null,null,null,null,null,null,null,null,null,null,71,49]
[null,"社会保険料控除",{"$f":"C8*$S$21","v":{"$error":"#N/A"}},"万円","②"]
[null,"基礎控除",48,"万円",null,null,"繰り上げ・繰り下げ受給額",null,null,null,null,null,"所得税速算表"]
[null,"配偶者控除",{"$f":"IF(C7=\"あり\",VLOOKUP(C9,Q13:R14,2,TRUE),0)","v":{"$error":"#VALUE!"}},"万円",null,null,"課税所得","税率","年数","月数","減産・加算率",null,"課税所得","税率","速算加減値",null,null,"出典：","家計調査年報（家計収支編）2023年（令和５年）結果の概要"]
[null,"他扶養控除",null,"万円",null,null,60,-4.0000000000000001E-3,5,{"$f":"I18*12","v":60},{"$f":"J18*H18","v":-0.24},null,0,0.05,0,null,null,"②"]
[null,"生命保険料控除",null,"万円",null,null,61,-4.0000000000000001E-3,4,{"$f":"I19*12","v":48},{"$f":"J19*H19","v":-0.192},null,196,0.1,-9.75,null,null,"実収入",244580]
[null,"ideco控除",null,"万円",null,null,62,-4.0000000000000001E-3,3,36,{"$f":"J20*H20","v":-0.14400000000000002},null,331,0.2,-42.75,null,null,"社会保険料",18435]
[null,"その他控除",null,"万円",null,null,63,-4.0000000000000001E-3,2,24,-9.6000000000000002E-2,null,696,0.23,-63.6,null,null,"社会保険料率",{"$f":"S20/S19","v":7.5374110720418677E-2}]
[null,"控除額計",{"$f":"SUM(C15:C21)","v":{"$error":"#N/A"}},"万円","③",null,64,-4.0000000000000001E-3,1,12,-4.8000000000000001E-2,null,901,0.33,-153.6]
[null,null,null,null,null,null,65,null,null,null,null,null,1801,0.4,-279.60000000000002]
[null,"前年ふるさと納税額",null,"万円",null,null,66,7.0000000000000001E-3,1,12,8.4000000000000005E-2,null,4001,0.45,-479.6]
[null,null,null,null,null,null,67,7.0000000000000001E-3,2,24,0.16800000000000001]
[null,"課税所得",{"$f":"IF(C14-C22<0,0,C14-C22)","v":{"$error":"#N/A"}},"万円","①－③",null,68,7.0000000000000001E-3,3,36,0.252]
[null,"所得税",{"$f":"C26*5.105%","v":{"$error":"#N/A"}},"万円",null,null,69,7.0000000000000001E-3,4,48,0.33600000000000002]
[null,"住民税",{"$f":"IF(C26*10%>0,C26*10%,0)+1-C24+0.2","v":{"$error":"#N/A"}},"万円",null,null,70,7.0000000000000001E-3,5,60,0.42]
[null,"税合計",{"$f":"SUM(C27:C28)","v":{"$error":"#N/A"}},"万円","④",null,71,7.0000000000000001E-3,6,72,0.504]
[null,"税/年収比",{"$f":"C29/C6*100","v":{"$error":"#N/A"}},"％",null,null,72,7.0000000000000001E-3,7,84,0.58799999999999997]
[null,"手取り額",{"$f":"C8-C15-C29","v":{"$error":"#N/A"}},"万円","①－②－④",null,73,7.0000000000000001E-3,8,96,0.67200000000000004]
[null,null,null,null,null,null,74,7.0000000000000001E-3,9,108,0.75600000000000001]
[null,null,null,null,null,null,75,7.0000000000000001E-3,10,120,0.84]
[null,"※会社員で概ね年収150万円以上（社会保険加入者）の方向け。"]
[null,"※生命保険料控除額はCASEによって異なるためデフォルトでは5万円。"]
[null,"※住民税と所得税控除額が異なる分、住民税額に＋1万円して計算。"]
[null,"※住宅ローン控除は考慮せず。"]
[]
[null,{"$f":"【退職後】年間収入と支出!B21","v":{"$error":"#VALUE!"}},"年"]
[null,"配偶者",null,"←この色のセルに入力ください"]
[null,null,null,null,null,null,"65歳未満",null,null,null,"65歳以上",null,null,null,null,null,"本人収入","vlookup関数のための数値"]
[null,"配偶者年齢",{"$f":"【退職後】年間収入と支出!H12","v":0},"歳","①",null,"年収","控除率","速算加減値",null,"年収","控除率","速算加減値",null,null,null,0,2]
[null,"扶養配偶者",{"$f":"【退職後】年間収入と支出!V47","v":0},null,null,null,0,1,0,null,0,1,0,null,null,null,1096,3]
[null,"年金収入",{"$f":"【退職後】年間収入と支出!C19","v":{"$error":"#N/A"}},"万円",null,null,61,1,-60,null,111,1,-110,null,null,null,1146,4]
[null,"配偶者年齢",{"$f":"C42+E45","v":0},"歳",{"$f":"パーソナル情報!F41-パーソナル情報!H49","v":0},null,131,0.75,-27.5,null,331,0.75,-27.5,null,null,null,1196,5]
[null,"19-23歳の子供(扶養）",null,"人",null,null,411,0.85,-68.5,null,411,0.85,-68.5]
[null,"70歳以上・非同居(扶養)",null,"人",null,null,771,0.95,-145.5,null,771,0.95,-145.5,null,null,null,"配偶者控除額"]
[null,"70歳以上・同居(扶養)",null,"人",null,null,1001,1,-195.5,null,1001,1,-195.5,null,null,null,"配偶者年齢","配偶者控除額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,39]
[null,"雑所得額",{"$f":"IF(C42<65,VLOOKUP(C44,G43:I49,2,TRUE)*C44+VLOOKUP(C44,G43:I49,3,TRUE),VLOOKUP(C44,K43:M49,2,TRUE)*C44+VLOOKUP(C44,K43:M49,3,TRUE))","v":{"$error":"#N/A"}},"万円",null,null,null,null,null,null,null,null,null,null,null,null,71,49]
[null,"社会保険料控除",{"$f":"C44*$S$21","v":{"$error":"#N/A"}},"万円","②"]
[null,"基礎控除",48,"万円",null,null,"繰り上げ・繰り下げ受給額",null,null,null,null,null,"所得税速算表"]
[null,"配偶者控除",{"$f":"IF(C43=\"あり\",VLOOKUP(C45,Q49:R50,2,TRUE),0)","v":0},"万円",null,null,"課税所得","税率","年数","月数","減産・加算率",null,"課税所得","税率","速算加減値"]
[null,"他扶養控除",null,"万円",null,null,60,-4.0000000000000001E-3,5,{"$f":"I54*12","v":60},{"$f":"J54*H54","v":-0.24},null,0,0.05,0]
[null,"生命保険料控除",null,"万円",null,null,61,-4.0000000000000001E-3,4,{"$f":"I55*12","v":48},{"$f":"J55*H55","v":-0.192},null,196,0.1,-9.75]
[null,"ideco控除",null,"万円",null,null,62,-4.0000000000000001E-3,3,36,{"$f":"J56*H56","v":-0.14400000000000002},null,331,0.2,-42.75]
[null,"その他控除",null,"万円",null,null,63,-4.0000000000000001E-3,2,24,-9.6000000000000002E-2,null,696,0.23,-63.6]
[null,"控除額計",{"$f":"SUM(C51:C57)","v":{"$error":"#N/A"}},"万円","③",null,64,-4.0000000000000001E-3,1,12,-4.8000000000000001E-2,null,901,0.33,-153.6]
[null,null,null,null,null,null,65,null,null,null,null,null,1801,0.4,-279.60000000000002]
[null,"前年ふるさと納税額",{"$f":"【就労時】年間収入と支出!R61","v":0},"万円",null,null,66,7.0000000000000001E-3,1,12,{"$f":"J60*H60","v":8.4000000000000005E-2},null,4001,0.45,-479.6]
[null,null,null,null,null,null,67,7.0000000000000001E-3,2,24,0.16800000000000001]
[null,"課税所得",{"$f":"IF(C50-C58<0,0,C50-C58)","v":{"$error":"#N/A"}},"万円","①－③",null,68,7.0000000000000001E-3,3,36,0.252]
[null,"所得税",{"$f":"C62*5.105%","v":{"$error":"#N/A"}},"万円",null,null,69,7.0000000000000001E-3,4,48,0.33600000000000002]
[null,"住民税",{"$f":"IF(C62*10%>0,C62*10%,0)+1-C60+0.2","v":{"$error":"#N/A"}},"万円",null,null,70,7.0000000000000001E-3,5,60,0.42]
[null,"税合計",{"$f":"SUM(C63:C64)","v":{"$error":"#N/A"}},"万円","④",null,71,7.0000000000000001E-3,6,72,0.504]
[null,"税/年収比",{"$f":"C65/C42*100","v":{"$error":"#N/A"}},"％",null,null,72,7.0000000000000001E-3,7,84,0.58799999999999997]
[null,"手取り額",{"$f":"C44-C51-C65","v":{"$error":"#N/A"}},"万円","①－②－④",null,73,7.0000000000000001E-3,8,96,0.67200000000000004]
[null,null,null,null,null,null,74,7.0000000000000001E-3,9,108,0.75600000000000001]
[null,null,null,null,null,null,75,7.0000000000000001E-3,10,120,0.84]
[null,"※会社員で概ね年収150万円以上（社会保険加入者）の方向け。"]
[null,"※生命保険料控除額はCASEによって異なるためデフォルトでは5万円。"]
[null,"※住民税と所得税控除額が異なる分、住民税額に＋1万円して計算。"]
[null,"※住宅ローン控除は考慮せず。"]

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["住まいの終活『すましゅう』",null,null,null,null,null,null,"記入日",null,{"$f":"パーソナル情報!H1","v":"2024//"}]
[]
[null,"保険契約一覧表"]
[]
[null,"被保険者＝",null,"本人"]
[null,null,null,"①",null,"②",null,"③",null,"④"]
[null,"契約者"]
[null,"受取人"]
[null,"保険種類",null,"終身保険",null,"がん保険",null,"収入保障",null,"終身医療"]
[null,"商品名"]
[null,"保険会社"]
[null,"保険期間",null,"自2010.8.1\n至　終身",null,"自2016.８.1\n至　終身",null,"自2016.８.1\n至　2041.7.31",null,"自2016.８.1\n至　終身",null,null,"●西暦・和暦早見表",null,"西暦・和暦・年齢などの変換早見表 | 西暦和暦オール"]
[null,"生命\n保険","死亡保険金額（一時金）",null,"万円",null,"万円",null,"万円",null,"万円"]
[null,null,"死亡保険金額（年金）",null,"万円",null,"万円",null,"万円",null,"万円"]
[null,null,"年金の終了予定"]
[null,null,"入院日額",null,"円",null,"円",null,"円",null,"円"]
[null,null,"入院を伴う通院日額",null,"円",null,"円",null,"円",null,"円"]
[null,"就業\n不能","所得補償"]
[null,"がん","がん診断",null,"万円",null,"万円",null,"万円",null,"万円"]
[null,null,"がん入院日額",null,"円",null,"円",null,"円",null,"円"]
[null,null,"がん通院日額",null,"円",null,"円",null,"円",null,"円"]
[null,null,"がん先進医療"]
[null,"傷害\n保険","死亡保険金額",null,"万円",null,"万円",null,"万円",null,"万円"]
[null,null,"入院日額",null,"円",null,"円",null,"円",null,"円"]
[null,null,"通院日額",null,"円",null,"円",null,"円",null,"円"]
[null,"保険料払い方",null,"口振／月払",null,"口振／月払",null,"口振／月払",null,"口振／月払"]
[null,"保険料払込期間",null,"終身",null,"終身",null,"25年",null,"終身"]
[null,"年間保険料",null,null,"円",null,"円",null,"円",null,"円"]
[null,"証券番号"]
[null,"問合窓口"]
[null,"保管場所"]
[null,"ID"]
[null,"パスワード"]
[null,"満期・解約払戻金の予定年齢"]
[null,"満期・解約払戻金の予定金額",null,null,"万円",null,"万円",null,"万円",null,"万円"]
[null,"備考"]
[]
[null,null,null,null,null,null,null,"年間支払保険料合計",null,{"$f":"D28+F28+H28+J28","v":0},"円"]
[null,null,null,null,null,null,null,"月額支払保険料合計",null,{"$f":"J38/12","v":0},"円"]
[null,null,null,null,null,null,null,"死亡保険金",null,{"$f":"D13+F13+H13+J13+D23+F23+H23+J23","v":0},"万円"]
[null,null,null,null,null,null,null,"満期・解約返戻金",null,{"$f":"D35+F35+H35+J35","v":0},"万円"]
[]
[]
[]
["住まいの終活『すましゅう』"]
[]
[null,"保険契約一覧表"]
[]
[null,"被保険者＝"]
[null,null,null,"①",null,"②",null,"③",null,"④"]
[null,"契約者"]
[null,"受取人"]
[null,"保険種類"]
[null,"商品名"]
[null,"保険会社"]
[null,"保険期間"]
[null,"生命\n保険","死亡保険金額（一時金）",null,"万円",null,"万円",null,"万円",null,"万円"]
[null,null,"死亡保険金額（年金）",null,"万円",null,"万円",null,"万円",null,"万円"]
[null,null,"年金の終了予定"]
[null,null,"入院日額",null,"円",null,"円",null,"円",null,"円"]
[null,null,"入院を伴う通院日額",null,"円",null,"円",null,"円",null,"円"]
[null,"就業\n不能","所得補償"]
[null,"がん","がん診断",null,"万円",null,"万円",null,"万円",null,"万円"]
[null,null,"がん入院日額",null,"円",null,"円",null,"円",null,"円"]
[null,null,"がん通院日額",null,"円",null,"円",null,"円",null,"円"]
[null,null,"がん先進医療"]
[null,"傷害\n保険","死亡保険金額",null,"万円",null,"万円",null,"万円",null,"万円"]
[null,null,"入院日額",null,"円",null,"円",null,"円",null,"円"]
[null,null,"通院日額",null,"円",null,"円",null,"円",null,"円"]
[null,"保険料払い方"]
[null,"保険料払込期間"]
[null,"年間保険料",null,null,"円",null,"円",null,"円",null,"円"]
[null,"証券番号"]
[null,"問合窓口"]
[null,"保管場所"]
[null,"ID"]
[null,"パスワード"]
[null,"満期・解約払戻金の予定年齢"]
[null,"満期・解約払戻金の予定金額",null,null,"万円",null,"万円",null,"万円",null,"万円"]
[null,"備考"]
[]
[null,null,null,null,null,null,null,"年間支払保険料合計",null,{"$f":"D72+F72+H72+J72","v":0},"円"]
[null,null,null,null,null,null,null,"月額支払保険料合計",null,{"$f":"J82/12","v":0},"円"]
[null,null,null,null,null,null,null,"死亡保険金",null,{"$f":"D57+F57+H57+J57+D67+F67+H67+J67","v":0},"万円"]
[null,null,null,null,null,null,null,"満期・解約返戻金",null,{"$f":"D79+F79+H79+J79","v":0},"万円"]
[]
[]
[]
["住まいの終活『すましゅう』"]
[]
[null,"保険契約一覧表"]
[]
[null,"被保険者＝"]
[null,null,null,"①",null,"②",null,"③",null,"④"]
[null,"契約者"]
[null,"受取人"]
[null,"保険種類"]
[null,"商品名"]
[null,"保険会社"]
[null,"保険期間"]
[null,"生命\n保険","死亡保険金額（一時金）",null,"万円",null,"万円",null,"万円",null,"万円"]
[null,null,"死亡保険金額（年金）",null,"万円",null,"万円",null,"万円",null,"万円"]
[null,null,"年金の終了予定"]
[null,null,"入院日額",null,"円",null,"円",null,"円",null,"円"]
[null,null,"入院を伴う通院日額",null,"円",null,"円",null,"円",null,"円"]
[null,"就業\n不能","所得補償"]
[null,"がん","がん診断",null,"万円",null,"万円",null,"万円",null,"万円"]
[null,null,"がん入院日額",null,"円",null,"円",null,"円",null,"円"]
[null,null,"がん通院日額",null,"円",null,"円",null,"円",null,"円"]
[null,null,"がん先進医療"]
[null,"傷害\n保険","死亡保険金額",null,"万円",null,"万円",null,"万円",null,"万円"]
[null,null,"入院日額",null,"円",null,"円",null,"円",null,"円"]
[null,null,"通院日額",null,"円",null,"円",null,"円",null,"円"]
[null,"保険料払い方"]
[null,"保険料払込期間"]
[null,"年間保険料",null,null,"円",null,"円",null,"円",null,"円"]
[null,"証券番号"]
[null,"問合窓口"]
[null,"保管場所"]
[null,"ID"]
[null,"パスワード"]
[null,"満期・解約払戻金の予定年齢"]
[null,"満期・解約払戻金の予定金額",null,null,"万円",null,"万円",null,"万円",null,"万円"]
[null,"備考"]
[]
[null,null,null,null,null,null,null,"年間支払保険料合計",null,{"$f":"D116+F116+H116+J116","v":0},"円"]
[null,null,null,null,null,null,null,"月額支払保険料合計",null,{"$f":"J126/12","v":0},"円"]
[null,null,null,null,null,null,null,"死亡保険金",null,{"$f":"D101+F101+H101+J101+D111+F111+H111+J111","v":0},"万円"]
[null,null,null,null,null,null,null,"満期・解約返戻金",null,{"$f":"D123+F123+H123+J123","v":0},"万円"]
[]
[]
[]
[]
[]
[]
["住まいの終活『すましゅう』"]
[]
[null,"保険契約一覧表"]
[]
[null,"被保険者＝"]
[null,null,null,"①",null,"②",null,"③",null,"④"]
[null,"契約者"]
[null,"受取人"]
[null,"保険種類"]
[null,"商品名"]
[null,"保険会社"]
[null,"保険期間"]
[null,"生命\n保険","死亡保険金額（一時金）",null,"万円",null,"万円",null,"万円",null,"万円"]
[null,null,"死亡保険金額（年金）",null,"万円",null,"万円",null,"万円",null,"万円"]
[null,null,"年金の終了予定"]
[null,null,"入院日額",null,"円",null,"円",null,"円",null,"円"]
[null,null,"入院を伴う通院日額",null,"円",null,"円",null,"円",null,"円"]
[null,"就業\n不能","所得補償"]
[null,"がん","がん診断",null,"万円",null,"万円",null,"万円",null,"万円"]
[null,null,"がん入院日額",null,"円",null,"円",null,"円",null,"円"]
[null,null,"がん通院日額",null,"円",null,"円",null,"円",null,"円"]
[null,null,"がん先進医療"]
[null,"傷害\n保険","死亡保険金額",null,"万円",null,"万円",null,"万円",null,"万円"]
[null,null,"入院日額",null,"円",null,"円",null,"円",null,"円"]
[null,null,"通院日額",null,"円",null,"円",null,"円",null,"円"]
[null,"保険料払い方"]
[null,"保険料払込期間"]
[null,"年間保険料",null,null,"円",null,"円",null,"円",null,"円"]
[null,"証券番号"]
[null,"問合窓口"]
[null,"保管場所"]
[null,"ID"]
[null,"パスワード"]
[null,"満期・解約払戻金の予定年齢"]
[null,"満期・解約払戻金の予定金額",null,null,"万円",null,"万円",null,"万円",null,"万円"]
[null,"備考"]
[]
[null,null,null,null,null,null,null,"年間支払保険料合計",null,{"$f":"D163+F163+H163+J163","v":0},"円"]
[null,null,null,null,null,null,null,"月額支払保険料合計",null,{"$f":"J173/12","v":0},"円"]
[null,null,null,null,null,null,null,"死亡保険金",null,{"$f":"D148+F148+H148+J148+D158+F158+H158+J158","v":0},"万円"]
[null,null,null,null,null,null,null,"満期・解約返戻金",null,{"$f":"D170+F170+H170+J170","v":0},"万円"]
[]
[null,null,null,null,null,null,null,"保険情報まとめ"]
[null,null,null,null,null,null,null,"年間支払保険料合計",null,{"$f":"J173+J126+J82+J38","v":0},"円"]
[null,null,null,null,null,null,null,"月額支払保険料合計",null,{"$f":"J174+J127+J83+J39","v":0},"円"]
[null,null,null,null,null,null,null,"死亡保険金",null,0,"万円"]
[null,null,null,null,null,null,null,"満期・解約返戻金",null,0,"万円"]

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["住まいの終活『すましゅう』",null,null,null,null,null,"記入日",{"$f":"パーソナル情報!H1","v":"2024//"}]
[]
[null,"不動産－所有している土地",null,null,"※記入日現在の評価額を記入。",null,null,null,null,null,"●不動産取引価格の確認方法"]
[null,null,null,null,1,null,null,null,null,null,"レインズ・マーケット・インフォメーション"]
[null,null,"所在地",null,null,null,null,null,null,null,"REINS Market Informationは全国指定流通機構連絡協議会が運営するサイトで、土地や建物の取引価格が一覧で公開されています。登録なしで、全国の不動産取引データを簡単に検索できます。"]
["（共有のみ）",null,"共有者氏名・連絡先"]
[null,null,"自分の持ち分",null,null,null,null,null,null,null,"特徴：主に土地や住宅の売買価格を検索することができ、エリアごとの相場を確認できます。"]
["（貸している）",null,"借主氏名・連絡先",null,null,null,null,null,null,null,"サイトURL：REINS Market Information"]
[null,null,"契約期間"]
[null,null,"契約書の保管場所",null,null,null,null,null,null,null,"メリット："]
[null,null,"課題"]
[null,null,null,null,null,null,null,null,null,null,"実際の成約価格が確認できる"]
[null,null,null,null,null,null,null,null,null,null,"登録不要で利用できる"]
[null,null,null,null,null,null,null,null,null,null,"見やすいインターフェース"]
[null,null,"希望する処理"]
[null,null,null,null,null,null,null,null,null,null,"■絞り込み検索が分かり易く、素人にも見やすいサイトです。"]
[null,null,null,null,null,null,null,null,null,null,"※ご使用は自己責任でお願いします"]
[]
[]
[]
[null,null,"不動産評価額",null,null,null,"万円"]
[null,null,null,null,2]
[null,null,"所在地"]
["（共有のみ）",null,"共有者氏名・連絡先"]
[null,null,"自分の持ち分"]
["（貸している）",null,"借主氏名・連絡先"]
[null,null,"契約期間"]
[null,null,"契約書の保管場所"]
[null,null,"課題"]
[]
[]
[]
[null,null,"希望する処理"]
[]
[]
[]
[]
[]
[null,null,"不動産評価額",null,null,null,"万円"]
[null,"不動産－借りている土地"]
[null,null,null,null,1]
[null,null,"所在地"]
[null,null,"貸主の氏名・連絡先"]
[null,null,"契約期間"]
[null,null,"貸主の住所"]
[null,null,"契約書の保管場所"]
[null,null,"備考"]
[]
[null,null,null,null,2]
[null,null,"所在地"]
[null,null,"貸主の氏名・連絡先"]
[null,null,"契約期間"]
[null,null,"貸主の住所"]
[null,null,"契約書の保管場所"]
[null,null,"備考"]
[]
[]
[null,"不動産－所有している建物"]
[null,null,null,null,1]
[null,null,"所在地"]
["（共有のみ）",null,"共有者氏名・連絡先"]
[null,null,"自分の持ち分"]
["（貸している）",null,"借主氏名・連絡先"]
[null,null,"契約期間"]
[null,null,"契約書の保管場所"]
[null,null,"建物建設業者"]
[null,null,"修繕業者①",null,"（修繕箇所）"]
[null,null,"修繕業者②",null,"（修繕箇所）"]
[null,null,"修繕業者③",null,"（修繕箇所）"]
[null,null,"希望する処理"]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,2]
[null,null,"所在地"]
["（共有のみ）",null,"共有者氏名・連絡先"]
[null,null,"自分の持ち分"]
["（貸している）",null,"借主氏名・連絡先"]
[null,null,"契約期間"]
[null,null,"契約書の保管場所"]
[null,null,"建物建設業者"]
[null,null,"修繕業者①",null,"（修繕箇所）"]
[null,null,"修繕業者②",null,"（修繕箇所）"]
[null,null,"修繕業者③",null,"（修繕箇所）"]
[null,null,"希望する処理"]
[]
[]
[]
[]
[]
[]
[]
[null,"不動産－借りている建物"]
[null,null,null,null,1]
[null,null,"所在地"]
[null,null,"貸主の氏名・連絡先"]
[null,null,"契約期間"]
[null,null,"貸主の住所"]
[null,null,"契約書の保管場所"]
[null,null,"備考"]
[]
[null,null,null,null,2]
[null,null,"所在地"]
[null,null,"貸主の氏名・連絡先"]
[null,null,"契約期間"]
[null,null,"貸主の住所"]
[null,null,"契約書の保管場所"]
[null,null,"備考"]
[]
[]
[]
[]
[null,"住宅ローンについて",null,null,null,null,null,{"$f":"TODAY()","v":"2026-05-30"}]
[]
[null,null,null,"借入先","三井住友信託銀行"]
[null,null,null,"借入額",null,null,"万円"]
[null,null,null,"返済開始年月"]
[null,null,null,"ボーナス予定返済額（1回分）",null,null,"万円","※なしは空欄"]
[null,null,null,"ボーナス予定返済回数",null,null,"回","※なしは空欄"]
[null,null,null,"借入期間",null,null,"年"]
[null,null,null,"金利（年利）",null,null,"％"]
[null,null,null,"毎月のローン返済額",{"$f":"住宅ローン返済表!F16","v":""},null,"円","※簡易的な計算による"]
[null,null,null,"記入日のローン残高",{"$f":"VLOOKUP(H117,住宅ローン返済表!C16:M615,10,TRUE)/10000","v":{"$error":"#VALUE!"}},null,"万円","※簡易的な計算による"]
[null,null,null,"所在地"]

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["住まいの終活『すましゅう』",null,null,null,null,null,"記入日",{"$f":"パーソナル情報!H1","v":"2024//"}]
[null,"財産額","※記入日現在の財産額。各項目の合計。"]
[null,null,"現金・預貯金",null,null,{"$f":"F22+H22+F30+H30+F38+H38+F64","v":0},null,"万円"]
[null,null,"有価証券（株など）",null,null,{"$f":"F45+H45+F52+H52+F59+H59","v":0},null,"万円"]
[null,null,"死亡保険金",null,null,{"$f":"保険一覧!J181","v":0},null,"万円"]
[null,null,"満期・解約返戻金",null,null,{"$f":"保険一覧!J182","v":0},null,"万円"]
[null,null,"不動産（土地・建物など）",null,null,{"$f":"不動産!E21+不動産!E39","v":0},null,"万円"]
[null,null,null,null,"資産合計",{"$f":"SUM(F3:F7)","v":0},null,"万円"]
[]
[null,null,"借金（債務）",null,null,{"$f":"E70","v":0},null,"万円"]
[null,null,"住宅ローン",null,null,{"$f":"不動産!E127","v":{"$error":"#VALUE!"}},null,"万円"]
[null,null,null,null,"負債合計",{"$f":"SUM(F10:F11)","v":{"$error":"#VALUE!"}},null,"万円"]
[null,null,null,null,"資産－負債",{"$f":"F8-F12","v":{"$error":"#VALUE!"}},null,"万円"]
[]
[null,"預貯金","※記入日現在の残高を記入。",null,null,1,null,2]
[null,null,"金融機関名"]
[null,null,"支店名"]
[null,null,"預金種別・口座番号"]
[null,null,"口座名義"]
[null,null,"通帳・カード保管場所"]
[null,null,"暗証番号"]
[null,null,"預金額",null,null,null,"万円",null,"万円"]
[null,null,null,null,null,3,null,4]
[null,null,"金融機関名"]
[null,null,"支店名"]
[null,null,"預金種別・口座番号"]
[null,null,"口座名義"]
[null,null,"通帳・カード保管場所"]
[null,null,"暗証番号"]
[null,null,"預金額",null,null,null,"万円",null,"万円"]
[null,null,null,null,null,5,null,6]
[null,null,"金融機関名"]
[null,null,"支店名"]
[null,null,"預金種別・口座番号"]
[null,null,"口座名義"]
[null,null,"通帳・カード保管場所"]
[null,null,"暗証番号"]
[null,null,"預金額",null,null,null,"万円",null,"万円"]
[null,"株式・投資信託など",null,"※記入日現在の残高。",null,1,null,2]
[null,null,"金融機関名"]
[null,null,"支店名"]
[null,null,"資産種別（株式、投資信託）"]
[null,null,"証券・契約書番号"]
[null,null,"書類の保管場所"]
[null,null,"運用額",null,null,null,"万円",null,"万円"]
[null,null,null,null,null,3,null,4]
[null,null,"金融機関名"]
[null,null,"支店名"]
[null,null,"資産種別（株式、投資信託）"]
[null,null,"証券・契約書番号"]
[null,null,"書類の保管場所"]
[null,null,"運用額",null,null,null,"万円",null,"万円"]
[null,null,null,null,null,5,null,6]
[null,null,"金融機関名"]
[null,null,"支店名"]
[null,null,"資産種別（株式、投資信託）"]
[null,null,"証券・契約書番号"]
[null,null,"書類の保管場所"]
[null,null,"運用額",null,null,null,"万円",null,"万円"]
[]
[null,"金庫の有無",null,"※記入日現在の残高を記入。"]
[]
[null,null,null,null,"保管場所"]
[null,null,null,null,"現金",null,"万円"]
[]
[null,"借金","※住宅ローン以外"]
[null,null,"借入先"]
[null,null,"連絡先"]
[null,null,"借入年月日"]
[null,null,"借入額",null,null,null,"万円"]
[null,null,"書類の保管場所"]
[null,null,"連帯保証人"]
[null,null,"連絡先"]
[null,null,"保証人年月日"]
[null,null,"保証額",null,null,null,"万円"]
[null,null,"書類の保管場所"]
[]
[null,"クレジットカード",null,null,1,null,2]
[null,null,"カード会社"]
[null,null,"カード番号"]
[null,null,"暗証番号"]
[null,null,"保管場所"]
[null,null,null,null,3,null,4]
[null,null,"カード会社"]
[null,null,"カード番号"]
[null,null,"暗証番号"]
[null,null,"保管場所"]
[null,null,null,null,5,null,6]
[null,null,"カード会社"]
[null,null,"カード番号"]
[null,null,"暗証番号"]
[null,null,"保管場所"]
[]
[null,"自動車",null,null,null,null,1]
[null,null,"車種"]
[null,null,"ナンバー"]
[null,null,"車検証・自賠責保険証明書の保管場所"]
[null,null,"駐車場場所（連絡先）"]
[null,null,null,null,null,null,2]
[null,null,"車種"]
[null,null,"ナンバー"]
[null,null,"車検証・自賠責保険証明書の保管場所"]
[null,null,"駐車場場所（連絡先）"]
[null,null,null,null,null,null,3]
[null,null,"車種"]
[null,null,"ナンバー"]
[null,null,"車検証・自賠責保険証明書の保管場所"]
[null,null,"駐車場場所（連絡先）"]
[]
[]
[]
[]
[]
[]
[]
[null,"遺品・資産・形見分け"]
[null,"（会員権、骨董品、美術品、貴金属など）"]
[null,null,null,null,1]
[null,null,"種類・内容"]
[null,null,"保管場所"]
[null,null,"譲りたい相手"]
[null,null,null,null,2]
[null,null,"種類・内容"]
[null,null,"保管場所"]
[null,null,"譲りたい相手"]
[null,null,null,null,3]
[null,null,"種類・内容"]
[null,null,"保管場所"]
[null,null,"譲りたい相手"]
[null,null,null,null,4]
[null,null,"種類・内容"]
[null,null,"保管場所"]
[null,null,"譲りたい相手"]
[null,null,null,null,5]
[null,null,"種類・内容"]
[null,null,"保管場所"]
[null,null,"譲りたい相手"]

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["住まいの終活『すましゅう』",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"●源泉徴収票からの転記箇所",null,null,"出典：","令和5年分　給与所得の源泉徴収票等の法定調書の作成と提出の手引｜国税庁"]
[null,"【就労時】収入と支出を調べよう"]
[null,"現時点と将来の年間収入と支出を書き出そう"]
[]
[null,"年間収入から年間支出を差し引いてみると、家計が赤字か黒字かがわかります。"]
[null,"貯蓄額から老後資金とするための投資運用に充てる金額を決めましょう。"]
[]
[null,{"$f":"YEAR(パーソナル情報!H1)","v":{"$error":"#VALUE!"}},null,"年"]
[null,"●年間の収入"]
[null,null,null,null,null,null,null,"課税所得額",null,null,null,null,null,null,null,null,null,"住民税率"]
[null,null,null,null,null,null,null,{"$f":"ROUNDUP(手取り額計算!C26,0)","v":0},"万円",null,null,null,null,null,null,null,null,{"$f":"R13/H11*100","v":{"$error":"#DIV/0!"}},"％"]
[null,"①収入金額",null,null,null,null,null,"②所得税",null,null,null,null,"③社会保険料",null,null,null,null,"住民税",null,null,null,"年間の手取り収入\n（可処分所得）",null,null,null,"●給与所得控除",null,null,"出典：","No.1410 給与所得控除｜国税庁"]
[null,"本人",null,"\n万円",null,"－",null,{"$f":"手取り額計算!C27","v":0},"\n万円",null,"＋",null,{"$f":"手取り額計算!C15","v":0},"\n万円",null,"＋",null,{"$f":"手取り額計算!C28","v":-11.8},"\n万円",null,"＝",{"$f":"ROUNDDOWN(+C13-(H13+M13+R13),0)","v":11},"\n万円"]
[null,"配偶者",null,"\n万円",null,null,null,{"$f":"手取り額計算!C63","v":0},"\n万円",null,null,null,{"$f":"手取り額計算!C51","v":0},"\n万円",null,null,null,{"$f":"手取り額計算!C64","v":1.2},"\n万円",null,null,{"$f":"ROUNDDOWN(+C14-(H14+M14+R14),0)","v":-1},"\n万円"]
[null,null,null,null,null,null,null,{"$f":"ROUNDUP(手取り額計算!C62,0)","v":0},"万円",null,null,null,null,null,null,null,null,{"$f":"R14/H15*100","v":{"$error":"#DIV/0!"}},"％"]
[null,null,null,null,null,null,null,"課税所得額",null,null,null,null,null,null,null,null,null,"住民税率"]
[]
[null,"控除関連",null,null,null,null,null,"扶養配偶者",null,null,null,null,"16歳以上※\n子供等(扶養）",null,null,null,null,"19-23歳\n子供(扶養）"]
[null,null,null,null,null,null,null,"あり",null,null,null,null,0,"人",null,null,null,0,"人"]
[null,null,null,null,null,null,null,null,null,null,null,null,"※19－23歳の子供が居る場合は、こちらはカウントしない"]
[null,null,null,null,null,null,null,"70歳以上\n非同居(扶養)\n所得税\n計算",null,null,null,null,"70歳以上\n非同居(扶養)\n所得税\n計算",null,null,null,null,"生命保険料\n控除"]
[null,null,null,null,null,null,null,0,"人",null,null,null,0,"人",null,null,null,8,"万円"]
[]
[null,null,null,null,null,null,null,"小規模企業共済等掛金控除",null,null,null,null,"その他控除",null,null,null,null,"前年\nふるさと納税額",null,null,null,null,null,null,null,"●基礎控除",null,null,"出典：","No.1199 基礎控除｜国税庁"]
[null,null,null,null,null,"年間",null,11,"\n万円",null,null,null,null,"\n万円",null,null,null,13,"\n万円",null,null,null,null,null,null,"●所得税の速算表",null,null,"出典：","No.2260 所得税の税率｜国税庁"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"●協会健保　健康保険・介護保険料率",null,null,null,"出典：","令和6年度の協会けんぽの保険料率は3月分（4月納付分）から改定されます | 協会けんぽ | 全国健康保険協会"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"年間手取り収入合計",null,null,null,null,null,null,null,{"$f":"SUM(V13:W15)","v":10},"\n万円",null,null,"●厚生年金保険料率",null,null,"出典：","厚生年金保険の保険料｜日本年金機構"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"●雇用保険料率",null,null,"出典：","雇用保険料率について ｜厚生労働省"]
[null,{"$f":"B8","v":{"$error":"#VALUE!"}},null,"年",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"●ふるさと納税控除の上限額",null,null,"出典：","ふるさと納税の控除上限額（限度額）がわかるシミュレーション＆早見表 | ふるさと納税サイト「さとふる」"]
[null,"●年間の支出"]
[null,"支出項目",null,null,"内容",null,null,null,null,null,"毎月の支出①",null,null,null,null,"年に数回の支出②",null,null,null,null,"年間の支出\n①×12＋②"]
[null,"基本生活費",null,null,"食費、水道光熱費、\n通信費、日用雑貨費、\n教養娯楽費など",null,null,null,null,null,null,null,null,"万円",null,null,null,null,"万円",null,{"$f":"+K32*12+P32","v":0},null,"万円"]
[null,"住居関連費",null,null,"住宅ローン、管理費、\n積立金、固定資産税など",null,null,null,null,null,null,null,null,"万円",null,null,null,null,"万円",null,{"$f":"+K33*12+P33","v":0},null,"万円"]
[null,"車両費",null,null,"駐車場代、ガソリン代、\n自動車税など",null,null,null,null,null,null,null,null,"万円",null,null,null,null,"万円",null,0,null,"万円"]
[null,"教育・医療費",null,null,"学校教育費、塾代、\n習い事の費用、\n医療、介護費用など",null,null,null,null,null,null,null,null,"万円",null,null,null,null,"万円",null,0,null,"万円"]
[null,"保険料",null,null,"家族全員の保険料",null,null,null,null,null,{"$f":"ROUNDUP(保険一覧!J180/10000,0)","v":0},null,null,"万円",null,null,null,null,"万円",null,0,null,"万円"]
[null,"貯蓄・運用資金",null,null,"老後資金の積立貯蓄、運用資金",null,null,null,null,null,null,null,null,"万円",null,null,null,null,"万円",null,{"$f":"+K37*12+P37","v":0},null,"万円"]
[null,"その他の支出",null,null,"レジャー費、交際費、\n冠婚葬祭費など",null,null,null,null,null,null,null,null,"万円",null,null,null,null,"万円",null,0,null,"万円"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"年間支出合計",null,null,null,null,{"$f":"SUM(U32:V39)","v":0},null,"\n万円"]
[]
[null,null,null,null,null,null,null,null,null,null,"1年間の収支",null,null,null,null,null,null,null,null,null,{"$f":"+V27-U40","v":10},null,"\n万円"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"（月額）余剰/不足額",null,null,null,null,null,null,null,{"$f":"ROUNDDOWN(U42/12,0)","v":0},null,"\n万円"]
[null,"未来の年間収入と支出の予測を書き出そう"]
[]
[null,"昇進や定年など年間収入の大きな変化を予測して、その時点の収支を見てみましょう。"]
[null,11,null,"年後","（記入日起算）",null,null,null,"※収入の変化がある時を予測してください。"]
[null,{"$f":"B48+$B$8","v":{"$error":"#VALUE!"}},null,"年"]
[null,"●年間の収入"]
[null,null,null,null,null,null,null,"課税所得額",null,null,null,null,null,null,null,null,null,"住民税率"]
[null,null,null,null,null,null,null,{"$f":"手取り額計算!C97","v":0},"万円",null,null,null,null,null,null,null,null,{"$f":"R54/H52*100","v":{"$error":"#DIV/0!"}},"％"]
[null,"収入金額",null,null,null,null,null,"所得税",null,null,null,null,"社会保険料",null,null,null,null,"住民税",null,null,null,"年間の手取り収入\n（可処分所得）"]
[null,"本人",null,"\n万円",null,"－",null,{"$f":"手取り額計算!C98","v":0},"\n万円",null,"＋",null,{"$f":"手取り額計算!C86","v":0},"\n万円",null,"＋",null,{"$f":"手取り額計算!C99","v":-6.8},"\n万円",null,"＝",{"$f":"ROUNDDOWN(+C54-(H54+M54+R54),0)","v":6},"\n万円"]
[null,"配偶者",null,"\n万円",null,null,null,{"$f":"手取り額計算!C134","v":0},"\n万円",null,null,null,{"$f":"手取り額計算!C122","v":0},"\n万円",null,null,null,{"$f":"手取り額計算!C135","v":1.2},"\n万円",null,null,{"$f":"ROUNDDOWN(+C55-(H55+M55+R55),0)","v":-1},"\n万円"]
[null,null,null,null,null,null,null,{"$f":"手取り額計算!C133","v":0},"万円",null,null,null,null,null,null,null,null,{"$f":"R55/H56*100","v":{"$error":"#DIV/0!"}},"％"]
[null,null,null,null,null,null,null,"課税所得額",null,null,null,null,null,null,null,null,null,"住民税率"]
[]
[null,"控除関連",null,null,null,null,null,"扶養配偶者",null,null,null,null,"16歳以上※\n子供等(扶養）",null,null,null,null,"19-23歳\n子供(扶養）"]
[null,null,null,null,null,null,null,"あり",null,null,null,null,0,"人",null,null,null,0,"人"]
[null,null,null,null,null,null,null,null,null,null,null,null,"※19－23歳の子供が居る場合は、こちらはカウントしない"]
[null,null,null,null,null,null,null,"70歳以上\n非同居(扶養)\n所得税\n計算",null,null,null,null,"70歳以上\n非同居(扶養)\n所得税\n計算",null,null,null,null,"生命保険料\n控除"]
[null,null,null,null,null,null,null,0,"人",null,null,null,0,"人",null,null,null,8,"万円"]
[]
[null,null,null,null,null,null,null,"小規模企業共済等掛金控除",null,null,null,null,"その他控除",null,null,null,null,"前年\nふるさと納税額"]
[null,null,null,null,null,null,null,11,"\n万円",null,null,null,null,"\n万円",null,null,null,8,"\n万円"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"年間手取り収入合計",null,null,null,null,null,null,null,{"$f":"SUM(V54:V55)","v":5},"\n万円"]
[]
[null,{"$f":"B48","v":11},null,"年後","（記入日起算）"]
[null,{"$f":"B49","v":{"$error":"#VALUE!"}},null,"年"]
[null,"●年間の支出"]
[null,"支出項目",null,null,"内容",null,null,null,null,null,"毎月の支出①",null,null,null,null,"年に数回の支出②",null,null,null,null,"年間の支出\n①×12＋②"]
[null,"基本生活費",null,null,"食費、水道光熱費、\n通信費、日用雑貨費、\n教養娯楽費など",null,null,null,null,null,{"$f":"K32","v":0},null,null,"万円",null,{"$f":"P32","v":0},null,null,"万円",null,null,{"$f":"+K74*12+P74","v":0},"万円"]
[null,"住居関連費",null,null,"住宅ローン、管理費、\n積立金、固定資産税など",null,null,null,null,null,0,null,null,"万円",null,0,null,null,"万円",null,null,{"$f":"+K75*12+P75","v":0},"万円"]
[null,"車両費",null,null,"駐車場代、ガソリン代、\n自動車税など",null,null,null,null,null,0,null,null,"万円",null,0,null,null,"万円",null,null,0,"万円"]
[null,"教育・医療費",null,null,"学校教育費、塾代、\n習い事の費用、\n医療、介護費用など",null,null,null,null,null,0,null,null,"万円",null,0,null,null,"万円",null,null,0,"万円"]
[null,"保険料",null,null,"家族全員の保険料",null,null,null,null,null,0,null,null,"万円",null,0,null,null,"万円",null,null,0,"万円"]
[null,"貯蓄・運用資金",null,null,"老後資金の積立貯蓄、運用資金",null,null,null,null,null,0,null,null,"万円",null,0,null,null,"万円",null,null,0,"万円"]
[null,"その他の支出",null,null,"レジャー費、交際費、\n冠婚葬祭費など",null,null,null,null,null,0,null,null,"万円",null,0,null,null,"万円",null,null,0,"万円"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"年間支出合計",null,null,null,null,{"$f":"SUM(U74:V81)","v":0},null,"\n万円"]
[]
[null,null,null,null,null,null,null,null,null,null,"1年間の収支",null,null,null,null,null,null,null,null,null,{"$f":"+V68-U82","v":5},null,"\n万円"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"（月額）余剰/不足額",null,null,null,null,null,null,null,{"$f":"ROUNDDOWN(U84/12,0)","v":0},null,"\n万円"]
[]
[null,"未来の年間収入と支出の予測を書き出そう"]
[]
[null,"昇進や定年など年間収入の大きな変化を予測して、その時点の収支を見てみましょう。"]
[null,20,null,"年後","（記入日起算）",null,null,null,"※収入の変化がある時を予測してください。"]
[null,{"$f":"B91+$B$8","v":{"$error":"#VALUE!"}},null,"年"]
[null,"●年間の収入"]
[null,null,null,null,null,null,null,"課税所得額",null,null,null,null,null,null,null,null,null,"住民税率"]
[null,null,null,null,null,null,null,{"$f":"手取り額計算!C168","v":0},"万円",null,null,null,null,null,null,null,null,{"$f":"R97/H95*100","v":{"$error":"#DIV/0!"}},"％"]
[null,"収入金額",null,null,null,null,null,"所得税",null,null,null,null,"社会保険料",null,null,null,null,"住民税",null,null,null,"年間の手取り収入\n（可処分所得）"]
[null,"本人",null,"\n万円",null,"－",null,{"$f":"手取り額計算!C169","v":0},"\n万円",null,"＋",null,{"$f":"手取り額計算!C157","v":0},"\n万円",null,"＋",null,{"$f":"手取り額計算!C170","v":1.2},"\n万円",null,"＝",{"$f":"ROUNDDOWN(+C97-(H97+M97+R97),0)","v":-1},"\n万円"]
[null,"配偶者",null,"\n万円",null,null,null,{"$f":"手取り額計算!C205","v":0},"\n万円",null,null,null,{"$f":"手取り額計算!C193","v":0},"\n万円",null,null,null,{"$f":"手取り額計算!C206","v":1.2},"\n万円",null,null,{"$f":"ROUNDDOWN(+C98-(H98+M98+R98),0)","v":-1},"\n万円"]
[null,null,null,null,null,null,null,{"$f":"手取り額計算!C204","v":0},"万円",null,null,null,null,null,null,null,null,{"$f":"R98/H99*100","v":{"$error":"#DIV/0!"}},"％"]
[null,null,null,null,null,null,null,"課税所得額",null,null,null,null,null,null,null,null,null,"住民税率"]
[]
[null,"控除関連",null,null,null,null,null,"扶養配偶者",null,null,null,null,"16歳以上※\n子供等(扶養）",null,null,null,null,"19-23歳\n子供(扶養）"]
[null,null,null,null,null,null,null,"あり",null,null,null,null,0,"人",null,null,null,0,"人"]
[null,null,null,null,null,null,null,null,null,null,null,null,"※19－23歳の子供が居る場合は、こちらはカウントしない"]
[null,null,null,null,null,null,null,"70歳以上\n非同居(扶養)\n所得税\n計算",null,null,null,null,"70歳以上\n非同居(扶養)\n所得税\n計算",null,null,null,null,"生命保険料\n控除"]
[null,null,null,null,null,null,null,0,"人",null,null,null,0,"人",null,null,null,5,"万円"]
[]
[null,null,null,null,null,null,null,"小規模企業共済等掛金控除",null,null,null,null,"その他控除",null,null,null,null,"前年\nふるさと納税額"]
[null,null,null,null,null,null,null,null,"\n万円",null,null,null,null,"\n万円",null,null,null,null,"\n万円"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"年間手取り収入合計",null,null,null,null,null,null,null,{"$f":"SUM(V97:V98)","v":-2},"\n万円"]
[]
[null,{"$f":"B91","v":20},null,"年後","（記入日起算）"]
[null,{"$f":"B92","v":{"$error":"#VALUE!"}},null,"年"]
[null,"●年間の支出"]
[null,"支出項目",null,null,"内容",null,null,null,null,null,"毎月の支出①",null,null,null,null,"年に数回の支出②",null,null,null,null,"年間の支出\n①×12＋②"]
[null,"基本生活費",null,null,"食費、水道光熱費、\n通信費、日用雑貨費、\n教養娯楽費など",null,null,null,null,null,{"$f":"K75","v":0},null,null,"万円",null,{"$f":"P75","v":0},null,null,"万円",null,null,{"$f":"+K117*12+P117","v":0},"万円"]
[null,"住居関連費",null,null,"住宅ローン、管理費、\n積立金、固定資産税など",null,null,null,null,null,0,null,null,"万円",null,0,null,null,"万円",null,null,{"$f":"+K118*12+P118","v":0},"万円"]
[null,"車両費",null,null,"駐車場代、ガソリン代、\n自動車税など",null,null,null,null,null,0,null,null,"万円",null,0,null,null,"万円",null,null,0,"万円"]
[null,"教育・医療費",null,null,"学校教育費、塾代、\n習い事の費用、\n医療、介護費用など",null,null,null,null,null,0,null,null,"万円",null,0,null,null,"万円",null,null,0,"万円"]
[null,"保険料",null,null,"家族全員の保険料",null,null,null,null,null,0,null,null,"万円",null,0,null,null,"万円",null,null,0,"万円"]
[null,"貯蓄・運用資金",null,null,"老後資金の積立貯蓄、運用資金",null,null,null,null,null,0,null,null,"万円",null,0,null,null,"万円",null,null,0,"万円"]
[null,"その他の支出",null,null,"レジャー費、交際費、\n冠婚葬祭費など",null,null,null,null,null,0,null,null,"万円",null,0,null,null,"万円",null,null,0,"万円"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"年間支出合計",null,null,null,null,{"$f":"SUM(U117:V124)","v":0},null,"\n万円"]
[]
[null,null,null,null,null,null,null,null,null,null,"1年間の収支",null,null,null,null,null,null,null,null,null,{"$f":"+V111-U125","v":-2},null,"\n万円"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"（月額）余剰/不足額",null,null,null,null,null,null,null,{"$f":"ROUNDDOWN(U127/12,0)","v":0},null,"\n万円"]
[]
[null,"未来の年間収入と支出の予測を書き出そう"]
[]
[null,"昇進や定年など年間収入の大きな変化を予測して、その時点の収支を見てみましょう。"]
[null,30,null,"年後","（記入日起算）",null,null,null,"※収入の変化がある時を予測してください。"]
[null,{"$f":"B134+$B$8","v":{"$error":"#VALUE!"}},null,"年"]
[null,"●年間の収入"]
[null,null,null,null,null,null,null,"課税所得額",null,null,null,null,null,null,null,null,null,"住民税率"]
[null,null,null,null,null,null,null,{"$f":"手取り額計算!C239","v":0},"万円",null,null,null,null,null,null,null,null,{"$f":"R140/H138*100","v":{"$error":"#DIV/0!"}},"％"]
[null,"収入金額",null,null,null,null,null,"所得税",null,null,null,null,"社会保険料",null,null,null,null,"住民税",null,null,null,"年間の手取り収入\n（可処分所得）"]
[null,"本人",null,"\n万円",null,"－",null,{"$f":"手取り額計算!C240","v":0},"\n万円",null,"＋",null,{"$f":"手取り額計算!C228","v":0},"\n万円",null,"＋",null,{"$f":"手取り額計算!C241","v":1.2},"\n万円",null,"＝",{"$f":"ROUNDDOWN(+C140-(H140+M140+R140),0)","v":-1},"\n万円"]
[null,"配偶者",null,"\n万円",null,null,null,{"$f":"手取り額計算!C276","v":0},"\n万円",null,null,null,{"$f":"手取り額計算!C264","v":0},"\n万円",null,null,null,{"$f":"手取り額計算!C277","v":1.2},"\n万円",null,null,{"$f":"ROUNDDOWN(+C141-(H141+M141+R141),0)","v":-1},"\n万円"]
[null,null,null,null,null,null,null,{"$f":"手取り額計算!C275","v":0},"万円",null,null,null,null,null,null,null,null,{"$f":"R141/H142*100","v":{"$error":"#DIV/0!"}},"％"]
[null,null,null,null,null,null,null,"課税所得額",null,null,null,null,null,null,null,null,null,"住民税率"]
[]
[null,"控除関連",null,null,null,null,null,"扶養配偶者",null,null,null,null,"16歳以上※\n子供等(扶養）",null,null,null,null,"19-23歳\n子供(扶養）"]
[null,null,null,null,null,null,null,"あり",null,null,null,null,0,"人",null,null,null,0,"人"]
[null,null,null,null,null,null,null,null,null,null,null,null,"※19－23歳の子供が居る場合は、こちらはカウントしない"]
[null,null,null,null,null,null,null,"70歳以上\n非同居(扶養)\n所得税\n計算",null,null,null,null,"70歳以上\n非同居(扶養)\n所得税\n計算",null,null,null,null,"生命保険料\n控除"]
[null,null,null,null,null,null,null,0,"人",null,null,null,0,"人",null,null,null,5,"万円"]
[]
[null,null,null,null,null,null,null,"小規模企業共済等掛金控除",null,null,null,null,"その他控除",null,null,null,null,"前年\nふるさと納税額"]
[null,null,null,null,null,null,null,null,"\n万円",null,null,null,null,"\n万円",null,null,null,null,"\n万円"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"年間手取り収入合計",null,null,null,null,null,null,null,{"$f":"SUM(V140:V141)","v":-2},"\n万円"]
[]
[null,{"$f":"B134","v":30},null,"年後","（記入日起算）"]
[null,{"$f":"B135","v":{"$error":"#VALUE!"}},null,"年"]
[null,"●年間の支出"]
[null,"支出項目",null,null,"内容",null,null,null,null,null,"毎月の支出①",null,null,null,null,"年に数回の支出②",null,null,null,null,"年間の支出\n①×12＋②"]
[null,"基本生活費",null,null,"食費、水道光熱費、\n通信費、日用雑貨費、\n教養娯楽費など",null,null,null,null,null,{"$f":"K118","v":0},null,null,"万円",null,{"$f":"P118","v":0},null,null,"万円",null,null,{"$f":"+K160*12+P160","v":0},"万円"]
[null,"住居関連費",null,null,"住宅ローン、管理費、\n積立金、固定資産税など",null,null,null,null,null,0,null,null,"万円",null,0,null,null,"万円",null,null,{"$f":"+K161*12+P161","v":0},"万円"]
[null,"車両費",null,null,"駐車場代、ガソリン代、\n自動車税など",null,null,null,null,null,0,null,null,"万円",null,0,null,null,"万円",null,null,0,"万円"]
[null,"教育・医療費",null,null,"学校教育費、塾代、\n習い事の費用、\n医療、介護費用など",null,null,null,null,null,0,null,null,"万円",null,0,null,null,"万円",null,null,0,"万円"]
[null,"保険料",null,null,"家族全員の保険料",null,null,null,null,null,0,null,null,"万円",null,0,null,null,"万円",null,null,0,"万円"]
[null,"貯蓄・運用資金",null,null,"老後資金の積立貯蓄、運用資金",null,null,null,null,null,0,null,null,"万円",null,0,null,null,"万円",null,null,0,"万円"]
[null,"その他の支出",null,null,"レジャー費、交際費、\n冠婚葬祭費など",null,null,null,null,null,0,null,null,"万円",null,0,null,null,"万円",null,null,0,"万円"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"年間支出合計",null,null,null,null,{"$f":"SUM(U160:V167)","v":0},null,"\n万円"]
[]
[null,null,null,null,null,null,null,null,null,null,"1年間の収支",null,null,null,null,null,null,null,null,null,{"$f":"V154-U168","v":-2},null,"\n万円"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"（月額）余剰/不足額",null,null,null,null,null,null,null,{"$f":"ROUNDDOWN(U170/12,0)","v":0},null,"\n万円"]

{"sheet":"手取り額計算","index":9,"n_rows":286,"n_cols":15,"rows_kept":286,"cut":false,"hidden":true,"merged":[[189,11,189,14],[224,11,224,14],[260,11,260,14],[11,11,11,14],[47,11,47,14],[82,11,82,14],[118,11,118,14],[153,11,153,14]]}
["住まいの終活『すましゅう』"]
[null,"年収から手取り額を簡易計算（会社員向け）2020.4～"]
[null,{"$f":"【就労時】年間収入と支出!B8","v":{"$error":"#VALUE!"}},"年"]
[null,"本人",null,"←この色のセルに入力ください"]
[null,null,null,null,null,null,"給与所得控除",null,null,null,"本人収入","vlookup関数のための数値"]
[null,"年収",{"$f":"【就労時】年間収入と支出!C13","v":0},"万円","①",null,"年収","税率","速算加減値",null,0,2]
[null,"扶養配偶者",{"$f":"【就労時】年間収入と支出!H19","v":"あり"},null,null,null,0,0.4,-10,null,1096,3]
[null,"配偶者の年収",{"$f":"【就労時】年間収入と支出!C14","v":0},"万円",null,null,181,0.3,8,null,1146,4]
[null,"16歳以上の子供等(扶養）",{"$f":"【就労時】年間収入と支出!M19","v":0},"人",null,null,361,0.2,44,null,1196,5]
[null,"19-23歳の子供(扶養）",{"$f":"【就労時】年間収入と支出!R19","v":0},"人",null,null,661,0.1,110]
[null,"70歳以上・非同居(扶養)",{"$f":"【就労時】年間収入と支出!H22","v":0},"人",null,null,851,0,195,null,"配偶者控除額"]
[null,"70歳以上・同居(扶養)",{"$f":"【就労時】年間収入と支出!M22","v":0},"人",null,null,null,null,null,null,null,"本人収入"]
[null,null,null,null,null,null,null,null,null,null,"配偶者収入",0,1096,1146,1196]
[null,"給与所得控除",{"$f":"IF(C6*VLOOKUP(C6,G7:I11,2,TRUE)+VLOOKUP(C6,G7:I11,3,TRUE)<55,55,C6*VLOOKUP(C6,G7:I11,2,TRUE)+VLOOKUP(C6,G7:I11,3,TRUE))","v":55},"万円",null,null,null,null,null,null,0,38,26,13,0]
[null,"社会保険料控除(15%)",{"$f":"C6*15%","v":0},"万円","②",null,null,null,null,null,151,36,24,12,0]
[null,"基礎控除",{"$f":"VLOOKUP(C6,G30:H33,2,TRUE)","v":48},"万円",null,null,"所得税速算表",null,null,null,156,31,21,11,0]
[null,"配偶者控除",{"$f":"IF(C7=\"あり\",VLOOKUP(C8,K14:O23,VLOOKUP(C6,K6:L9,2,TRUE),TRUE),0)","v":38},"万円",null,null,"課税所得","税率","速算加減値",null,161,26,18,9,0]
[null,"他扶養控除",{"$f":"C9*38+C10*63+C11*48+C12*58","v":0},"万円",null,null,0,0.05,0,null,166,21,14,7,0]
[null,"生命保険料控除",{"$f":"【就労時】年間収入と支出!R22","v":8},"万円",null,null,196,0.1,-9.75,null,175,16,11,6,0]
[null,"ideco控除",{"$f":"【就労時】年間収入と支出!H25","v":11},"万円",null,null,331,0.2,-42.75,null,183,11,8,4,0]
[null,"その他控除",{"$f":"【就労時】年間収入と支出!M25","v":0},"万円",null,null,696,0.23,-63.6,null,190,6,4,2,0]
[null,"控除額計",{"$f":"SUM(C14:C21)","v":160},"万円","③",null,901,0.33,-153.6,null,197,3,2,1,0]
[null,null,null,null,null,null,1801,0.4,-279.60000000000002,null,201,0,0,0,0]
[null,"前年ふるさと納税額",{"$f":"【就労時】年間収入と支出!R25","v":13},"万円",null,null,4001,0.45,-479.6]
[]
[null,"課税所得",{"$f":"IF(C6-C22>0,C6-C22,0)","v":0},"万円","①－③"]
[null,"所得税",{"$f":"C26*(VLOOKUP(C26,G18:I24,2,TRUE))+VLOOKUP(C26,G18:I24,3,TRUE)","v":0},"万円"]
[null,"住民税",{"$f":"IF(C26*10%>0,C26*10%,0)+1-C24+0.2","v":-11.8},"万円",null,null,"基礎控除"]
[null,"税合計",{"$f":"SUM(C27:C28)","v":-11.8},"万円","④",null,"年収","控除額"]
[null,"税/年収比",{"$f":"C29/C6*100","v":{"$error":"#DIV/0!"}},"％",null,null,0,48]
[null,"手取り額",{"$f":"C6-C15-C29","v":11.8},"万円","①－②－④",null,2596,32]
[null,"手取り額/年収比",{"$f":"C31/C6*100","v":{"$error":"#DIV/0!"}},"％",null,null,2646,16]
[null,null,null,null,null,null,2696,0]
[null,"※会社員で概ね年収150万円以上（社会保険加入者）の方向け。"]
[null,"※生命保険料控除額はCASEによって異なるためデフォルトでは5万円。"]
[null,"※住民税と所得税控除額が異なる分、住民税額に＋1万円して計算。"]
[null,"※住宅ローン控除は考慮せず。"]
[]
[null,{"$f":"【就労時】年間収入と支出!B8","v":{"$error":"#VALUE!"}},"年"]
[null,"配偶者",null,"←この色のセルに入力ください"]
[null,null,null,null,null,null,"給与所得控除",null,null,null,"本人収入","vlookup関数のための数値"]
[null,"年収",{"$f":"【就労時】年間収入と支出!C14","v":0},"万円","①",null,"年収","税率","速算加減値",null,0,2]
[null,"扶養配偶者",null,null,null,null,0,0.4,-10,null,1096,3]
[null,"配偶者の年収",null,"万円",null,null,181,0.3,8,null,1146,4]
[null,"16歳以上の子供等(扶養）",null,"人",null,null,361,0.2,44,null,1196,5]
[null,"19-23歳の子供(扶養）",null,"人",null,null,661,0.1,110]
[null,"70歳以上・非同居(扶養)",null,"人",null,null,851,0,195,null,"配偶者控除額"]
[null,"70歳以上・同居(扶養)",null,"人",null,null,null,null,null,null,null,"本人収入"]
[null,null,null,null,null,null,null,null,null,null,"配偶者収入",0,1096,1146,1196]
[null,"給与所得控除",{"$f":"IF(C42*VLOOKUP(C42,G43:I47,2,TRUE)+VLOOKUP(C42,G43:I47,3,TRUE)<55,55,C42*VLOOKUP(C42,G43:I47,2,TRUE)+VLOOKUP(C42,G43:I47,3,TRUE))","v":55},"万円",null,null,null,null,null,null,0,38,26,13,0]
[null,"社会保険料控除(15%)",{"$f":"C42*15%","v":0},"万円","②",null,null,null,null,null,151,36,24,12,0]
[null,"基礎控除",{"$f":"VLOOKUP(C42,G66:H69,2,TRUE)","v":48},"万円",null,null,"所得税速算表",null,null,null,156,31,21,11,0]
[null,"配偶者控除",{"$f":"IF(C43=\"あり\",VLOOKUP(C44,K50:O59,VLOOKUP(C42,K42:L45,2,TRUE),TRUE),0)","v":0},"万円",null,null,"課税所得","税率","速算加減値",null,161,26,18,9,0]
[null,"他扶養控除",{"$f":"C45*38+C46*63+C47*48+C48*58","v":0},"万円",null,null,0,0.05,0,null,166,21,14,7,0]
[null,"生命保険料控除",null,"万円",null,null,196,0.1,-9.75,null,175,16,11,6,0]
[null,"ideco控除",null,"万円",null,null,331,0.2,-42.75,null,183,11,8,4,0]
[null,"その他控除",null,"万円",null,null,696,0.23,-63.6,null,190,6,4,2,0]
[null,"控除額計",{"$f":"SUM(C50:C57)","v":103},"万円","③",null,901,0.33,-153.6,null,197,3,2,1,0]
[null,null,null,null,null,null,1801,0.4,-279.60000000000002,null,201,0,0,0,0]
[null,"前年ふるさと納税額",null,"万円",null,null,4001,0.45,-479.6]
[]
[null,"課税所得",{"$f":"IF(C42-C58>0,C42-C58,0)","v":0},"万円","①－③"]
[null,"所得税",{"$f":"C62*(VLOOKUP(C62,G54:I60,2,TRUE))+VLOOKUP(C62,G54:I60,3,TRUE)","v":0},"万円"]
[null,"住民税",{"$f":"IF(C62*10%>0,C62*10%,0)+1-C60+0.2","v":1.2},"万円",null,null,"基礎控除"]
[null,"税合計",{"$f":"SUM(C63:C64)","v":1.2},"万円","④",null,"年収","控除額"]
[null,"税/年収比",{"$f":"C65/C42*100","v":{"$error":"#DIV/0!"}},"％",null,null,0,48]
[null,"手取り額",{"$f":"C42-C51-C65","v":-1.2},"万円","①－②－④",null,2596,32]
[null,"手取り額/年収比",{"$f":"C67/C42*100","v":{"$error":"#DIV/0!"}},"％",null,null,2646,16]
[null,null,null,null,null,null,2696,0]
[null,"※会社員で概ね年収150万円以上（社会保険加入者）の方向け。"]
[null,"※生命保険料控除額はCASEによって異なるためデフォルトでは5万円。"]
[null,"※住民税と所得税控除額が異なる分、住民税額に＋1万円して計算。"]
[null,"※住宅ローン控除は考慮せず。"]
[null,{"$f":"【就労時】年間収入と支出!B49","v":{"$error":"#VALUE!"}},"年"]
[null,"本人",null,"←この色のセルに入力ください"]
[null,null,null,null,null,null,"給与所得控除",null,null,null,"本人収入","vlookup関数のための数値"]
[null,"年収",{"$f":"【就労時】年間収入と支出!C54","v":0},"万円","①",null,"年収","税率","速算加減値",null,0,2]
[null,"扶養配偶者",{"$f":"【就労時】年間収入と支出!H60","v":"あり"},null,null,null,0,0.4,-10,null,1096,3]
[null,"配偶者の年収",{"$f":"【就労時】年間収入と支出!C55","v":0},"万円",null,null,181,0.3,8,null,1146,4]
[null,"16歳以上の子供等(扶養）",{"$f":"【就労時】年間収入と支出!M60","v":0},"人",null,null,361,0.2,44,null,1196,5]
[null,"19-23歳の子供(扶養）",{"$f":"【就労時】年間収入と支出!R60","v":0},"人",null,null,661,0.1,110]
[null,"70歳以上・非同居(扶養)",{"$f":"【就労時】年間収入と支出!H63","v":0},"人",null,null,851,0,195,null,"配偶者控除額"]
[null,"70歳以上・同居(扶養)",{"$f":"【就労時】年間収入と支出!M63","v":0},"人",null,null,null,null,null,null,null,"本人収入"]
[null,null,null,null,null,null,null,null,null,null,"配偶者収入",0,1096,1146,1196]
[null,"給与所得控除",{"$f":"IF(C77*VLOOKUP(C77,G78:I82,2,TRUE)+VLOOKUP(C77,G78:I82,3,TRUE)<55,55,C77*VLOOKUP(C77,G78:I82,2,TRUE)+VLOOKUP(C77,G78:I82,3,TRUE))","v":55},"万円",null,null,null,null,null,null,0,38,26,13,0]
[null,"社会保険料控除(15%)",{"$f":"C77*15%","v":0},"万円","②",null,null,null,null,null,151,36,24,12,0]
[null,"基礎控除",{"$f":"VLOOKUP(C77,G101:H104,2,TRUE)","v":48},"万円",null,null,"所得税速算表",null,null,null,156,31,21,11,0]
[null,"配偶者控除",{"$f":"IF(C78=\"あり\",VLOOKUP(C79,K85:O94,VLOOKUP(C77,K77:L80,2,TRUE),TRUE),0)","v":38},"万円",null,null,"課税所得","税率","速算加減値",null,161,26,18,9,0]
[null,"他扶養控除",{"$f":"C80*38+C81*63+C82*48+C83*58","v":0},"万円",null,null,0,0.05,0,null,166,21,14,7,0]
[null,"生命保険料控除",{"$f":"【就労時】年間収入と支出!R63","v":8},"万円",null,null,196,0.1,-9.75,null,175,16,11,6,0]
[null,"ideco控除",{"$f":"【就労時】年間収入と支出!H66","v":11},"万円",null,null,331,0.2,-42.75,null,183,11,8,4,0]
[null,"その他控除",{"$f":"【就労時】年間収入と支出!M66","v":0},"万円",null,null,696,0.23,-63.6,null,190,6,4,2,0]
[null,"控除額計",{"$f":"SUM(C85:C92)","v":160},"万円","③",null,901,0.33,-153.6,null,197,3,2,1,0]
[null,null,null,null,null,null,1801,0.4,-279.60000000000002,null,201,0,0,0,0]
[null,"前年ふるさと納税額",{"$f":"【就労時】年間収入と支出!R66","v":8},"万円",null,null,4001,0.45,-479.6]
[]
[null,"課税所得",{"$f":"IF(C77-C93>0,C77-C93,0)","v":0},"万円","①－③"]
[null,"所得税",{"$f":"C97*(VLOOKUP(C97,G89:I95,2,TRUE))+VLOOKUP(C97,G89:I95,3,TRUE)","v":0},"万円"]
[null,"住民税",{"$f":"IF(C97*10%>0,C97*10%,0)+1-C95+0.2","v":-6.8},"万円",null,null,"基礎控除"]
[null,"税合計",{"$f":"SUM(C98:C99)","v":-6.8},"万円","④",null,"年収","控除額"]
[null,"税/年収比",{"$f":"C100/C77*100","v":{"$error":"#DIV/0!"}},"％",null,null,0,48]
[null,"手取り額",{"$f":"C77-C86-C100","v":6.8},"万円","①－②－④",null,2596,32]
[null,"手取り額/年収比",{"$f":"C102/C77*100","v":{"$error":"#DIV/0!"}},"％",null,null,2646,16]
[null,null,null,null,null,null,2696,0]
[null,"※会社員で概ね年収150万円以上（社会保険加入者）の方向け。"]
[null,"※生命保険料控除額はCASEによって異なるためデフォルトでは5万円。"]
[null,"※住民税と所得税控除額が異なる分、住民税額に＋1万円して計算。"]
[null,"※住宅ローン控除は考慮せず。"]
[]
[null,{"$f":"B74","v":{"$error":"#VALUE!"}},"年"]
[null,"配偶者",null,"←この色のセルに入力ください"]
[null,null,null,null,null,null,"給与所得控除",null,null,null,"本人収入","vlookup関数のための数値"]
[null,"年収",{"$f":"【就労時】年間収入と支出!C55","v":0},"万円","①",null,"年収","税率","速算加減値",null,0,2]
[null,"扶養配偶者",null,null,null,null,0,0.4,-10,null,1096,3]
[null,"配偶者の年収",null,"万円",null,null,181,0.3,8,null,1146,4]
[null,"16歳以上の子供等(扶養）",null,"人",null,null,361,0.2,44,null,1196,5]
[null,"19-23歳の子供(扶養）",null,"人",null,null,661,0.1,110]
[null,"70歳以上・非同居(扶養)",null,"人",null,null,851,0,195,null,"配偶者控除額"]
[null,"70歳以上・同居(扶養)",null,"人",null,null,null,null,null,null,null,"本人収入"]
[null,null,null,null,null,null,null,null,null,null,"配偶者収入",0,1096,1146,1196]
[null,"給与所得控除",{"$f":"IF(C113*VLOOKUP(C113,G114:I118,2,TRUE)+VLOOKUP(C113,G114:I118,3,TRUE)<55,55,C113*VLOOKUP(C113,G114:I118,2,TRUE)+VLOOKUP(C113,G114:I118,3,TRUE))","v":55},"万円",null,null,null,null,null,null,0,38,26,13,0]
[null,"社会保険料控除(15%)",{"$f":"C113*15%","v":0},"万円","②",null,null,null,null,null,151,36,24,12,0]
[null,"基礎控除",{"$f":"VLOOKUP(C113,G137:H140,2,TRUE)","v":48},"万円",null,null,"所得税速算表",null,null,null,156,31,21,11,0]
[null,"配偶者控除",{"$f":"IF(C114=\"あり\",VLOOKUP(C115,K121:O130,VLOOKUP(C113,K113:L116,2,TRUE),TRUE),0)","v":0},"万円",null,null,"課税所得","税率","速算加減値",null,161,26,18,9,0]
[null,"他扶養控除",{"$f":"C116*38+C117*63+C118*48+C119*58","v":0},"万円",null,null,0,0.05,0,null,166,21,14,7,0]
[null,"生命保険料控除",null,"万円",null,null,196,0.1,-9.75,null,175,16,11,6,0]
[null,"ideco控除",null,"万円",null,null,331,0.2,-42.75,null,183,11,8,4,0]
[null,"その他控除",null,"万円",null,null,696,0.23,-63.6,null,190,6,4,2,0]
[null,"控除額計",{"$f":"SUM(C121:C128)","v":103},"万円","③",null,901,0.33,-153.6,null,197,3,2,1,0]
[null,null,null,null,null,null,1801,0.4,-279.60000000000002,null,201,0,0,0,0]
[null,"前年ふるさと納税額",null,"万円",null,null,4001,0.45,-479.6]
[]
[null,"課税所得",{"$f":"IF(C113-C129>0,C113-C129,0)","v":0},"万円","①－③"]
[null,"所得税",{"$f":"C133*(VLOOKUP(C133,G125:I131,2,TRUE))+VLOOKUP(C133,G125:I131,3,TRUE)","v":0},"万円"]
[null,"住民税",{"$f":"IF(C133*10%>0,C133*10%,0)+1-C131+0.2","v":1.2},"万円",null,null,"基礎控除"]
[null,"税合計",{"$f":"SUM(C134:C135)","v":1.2},"万円","④",null,"年収","控除額"]
[null,"税/年収比",{"$f":"C136/C113*100","v":{"$error":"#DIV/0!"}},"％",null,null,0,48]
[null,"手取り額",{"$f":"C113-C122-C136","v":-1.2},"万円","①－②－④",null,2596,32]
[null,"手取り額/年収比",{"$f":"C138/C113*100","v":{"$error":"#DIV/0!"}},"％",null,null,2646,16]
[null,null,null,null,null,null,2696,0]
[null,"※会社員で概ね年収150万円以上（社会保険加入者）の方向け。"]
[null,"※生命保険料控除額はCASEによって異なるためデフォルトでは5万円。"]
[null,"※住民税と所得税控除額が異なる分、住民税額に＋1万円して計算。"]
[null,"※住宅ローン控除は考慮せず。"]
[null,{"$f":"【就労時】年間収入と支出!B92","v":{"$error":"#VALUE!"}},"年"]
[null,"本人",null,"←この色のセルに入力ください"]
[null,null,null,null,null,null,"給与所得控除",null,null,null,"本人収入","vlookup関数のための数値"]
[null,"年収",{"$f":"【就労時】年間収入と支出!C97","v":0},"万円","①",null,"年収","税率","速算加減値",null,0,2]
[null,"扶養配偶者",{"$f":"【就労時】年間収入と支出!H103","v":"あり"},null,null,null,0,0.4,-10,null,1096,3]
[null,"配偶者の年収",{"$f":"【就労時】年間収入と支出!C98","v":0},"万円",null,null,181,0.3,8,null,1146,4]
[null,"16歳以上の子供等(扶養）",{"$f":"【就労時】年間収入と支出!M103","v":0},"人",null,null,361,0.2,44,null,1196,5]
[null,"19-23歳の子供(扶養）",{"$f":"【就労時】年間収入と支出!R103","v":0},"人",null,null,661,0.1,110]
[null,"70歳以上・非同居(扶養)",{"$f":"【就労時】年間収入と支出!H106","v":0},"人",null,null,851,0,195,null,"配偶者控除額"]
[null,"70歳以上・同居(扶養)",{"$f":"【就労時】年間収入と支出!M106","v":0},"人",null,null,null,null,null,null,null,"本人収入"]
[null,null,null,null,null,null,null,null,null,null,"配偶者収入",0,1096,1146,1196]
[null,"給与所得控除",{"$f":"IF(C148*VLOOKUP(C148,G149:I153,2,TRUE)+VLOOKUP(C148,G149:I153,3,TRUE)<55,55,C148*VLOOKUP(C148,G149:I153,2,TRUE)+VLOOKUP(C148,G149:I153,3,TRUE))","v":55},"万円",null,null,null,null,null,null,0,38,26,13,0]
[null,"社会保険料控除(15%)",{"$f":"C148*15%","v":0},"万円","②",null,null,null,null,null,151,36,24,12,0]
[null,"基礎控除",{"$f":"VLOOKUP(C148,G172:H175,2,TRUE)","v":48},"万円",null,null,"所得税速算表",null,null,null,156,31,21,11,0]
[null,"配偶者控除",{"$f":"IF(C149=\"あり\",VLOOKUP(C150,K156:O165,VLOOKUP(C148,K148:L151,2,TRUE),TRUE),0)","v":38},"万円",null,null,"課税所得","税率","速算加減値",null,161,26,18,9,0]
[null,"他扶養控除",{"$f":"C151*38+C152*63+C153*48+C154*58","v":0},"万円",null,null,0,0.05,0,null,166,21,14,7,0]
[null,"生命保険料控除",{"$f":"【就労時】年間収入と支出!R106","v":5},"万円",null,null,196,0.1,-9.75,null,175,16,11,6,0]
[null,"ideco控除",{"$f":"【就労時】年間収入と支出!H109","v":0},"万円",null,null,331,0.2,-42.75,null,183,11,8,4,0]
[null,"その他控除",{"$f":"【就労時】年間収入と支出!M109","v":0},"万円",null,null,696,0.23,-63.6,null,190,6,4,2,0]
[null,"控除額計",{"$f":"SUM(C156:C163)","v":146},"万円","③",null,901,0.33,-153.6,null,197,3,2,1,0]
[null,null,null,null,null,null,1801,0.4,-279.60000000000002,null,201,0,0,0,0]
[null,"前年ふるさと納税額",{"$f":"【就労時】年間収入と支出!R109","v":0},"万円",null,null,4001,0.45,-479.6]
[]
[null,"課税所得",{"$f":"IF(C148-C164>0,C148-C164,0)","v":0},"万円","①－③"]
[null,"所得税",{"$f":"C168*(VLOOKUP(C168,G160:I166,2,TRUE))+VLOOKUP(C168,G160:I166,3,TRUE)","v":0},"万円"]
[null,"住民税",{"$f":"IF(C168*10%>0,C168*10%,0)+1-C166+0.2","v":1.2},"万円",null,null,"基礎控除"]
[null,"税合計",{"$f":"SUM(C169:C170)","v":1.2},"万円","④",null,"年収","控除額"]
[null,"税/年収比",{"$f":"C171/C148*100","v":{"$error":"#DIV/0!"}},"％",null,null,0,48]
[null,"手取り額",{"$f":"C148-C157-C171","v":-1.2},"万円","①－②－④",null,2596,32]
[null,"手取り額/年収比",{"$f":"C173/C148*100","v":{"$error":"#DIV/0!"}},"％",null,null,2646,16]
[null,null,null,null,null,null,2696,0]
[null,"※会社員で概ね年収150万円以上（社会保険加入者）の方向け。"]
[null,"※生命保険料控除額はCASEによって異なるためデフォルトでは5万円。"]
[null,"※住民税と所得税控除額が異なる分、住民税額に＋1万円して計算。"]
[null,"※住宅ローン控除は考慮せず。"]
[]
[null,{"$f":"B145","v":{"$error":"#VALUE!"}},"年"]
[null,"配偶者",null,"←この色のセルに入力ください"]
[null,null,null,null,null,null,"給与所得控除",null,null,null,"本人収入","vlookup関数のための数値"]
[null,"年収",{"$f":"【就労時】年間収入と支出!C98","v":0},"万円","①",null,"年収","税率","速算加減値",null,0,2]
[null,"扶養配偶者",null,null,null,null,0,0.4,-10,null,1096,3]
[null,"配偶者の年収",null,"万円",null,null,181,0.3,8,null,1146,4]
[null,"16歳以上の子供等(扶養）",null,"人",null,null,361,0.2,44,null,1196,5]
[null,"19-23歳の子供(扶養）",null,"人",null,null,661,0.1,110]
[null,"70歳以上・非同居(扶養)",null,"人",null,null,851,0,195,null,"配偶者控除額"]
[null,"70歳以上・同居(扶養)",null,"人",null,null,null,null,null,null,null,"本人収入"]
[null,null,null,null,null,null,null,null,null,null,"配偶者収入",0,1096,1146,1196]
[null,"給与所得控除",{"$f":"IF(C184*VLOOKUP(C184,G185:I189,2,TRUE)+VLOOKUP(C184,G185:I189,3,TRUE)<55,55,C184*VLOOKUP(C184,G185:I189,2,TRUE)+VLOOKUP(C184,G185:I189,3,TRUE))","v":55},"万円",null,null,null,null,null,null,0,38,26,13,0]
[null,"社会保険料控除(15%)",{"$f":"C184*15%","v":0},"万円","②",null,null,null,null,null,151,36,24,12,0]
[null,"基礎控除",{"$f":"VLOOKUP(C184,G208:H211,2,TRUE)","v":48},"万円",null,null,"所得税速算表",null,null,null,156,31,21,11,0]
[null,"配偶者控除",{"$f":"IF(C185=\"あり\",VLOOKUP(C186,K192:O201,VLOOKUP(C184,K184:L187,2,TRUE),TRUE),0)","v":0},"万円",null,null,"課税所得","税率","速算加減値",null,161,26,18,9,0]
[null,"他扶養控除",{"$f":"C187*38+C188*63+C189*48+C190*58","v":0},"万円",null,null,0,0.05,0,null,166,21,14,7,0]
[null,"生命保険料控除",null,"万円",null,null,196,0.1,-9.75,null,175,16,11,6,0]
[null,"ideco控除",null,"万円",null,null,331,0.2,-42.75,null,183,11,8,4,0]
[null,"その他控除",null,"万円",null,null,696,0.23,-63.6,null,190,6,4,2,0]
[null,"控除額計",{"$f":"SUM(C192:C199)","v":103},"万円","③",null,901,0.33,-153.6,null,197,3,2,1,0]
[null,null,null,null,null,null,1801,0.4,-279.60000000000002,null,201,0,0,0,0]
[null,"前年ふるさと納税額",null,"万円",null,null,4001,0.45,-479.6]
[]
[null,"課税所得",{"$f":"IF(C184-C200>0,C184-C200,0)","v":0},"万円","①－③"]
[null,"所得税",{"$f":"C204*(VLOOKUP(C204,G196:I202,2,TRUE))+VLOOKUP(C204,G196:I202,3,TRUE)","v":0},"万円"]
[null,"住民税",{"$f":"IF(C204*10%>0,C204*10%,0)+1-C202+0.2","v":1.2},"万円",null,null,"基礎控除"]
[null,"税合計",{"$f":"SUM(C205:C206)","v":1.2},"万円","④",null,"年収","控除額"]
[null,"税/年収比",{"$f":"C207/C184*100","v":{"$error":"#DIV/0!"}},"％",null,null,0,48]
[null,"手取り額",{"$f":"C184-C193-C207","v":-1.2},"万円","①－②－④",null,2596,32]
[null,"手取り額/年収比",{"$f":"C209/C184*100","v":{"$error":"#DIV/0!"}},"％",null,null,2646,16]
[null,null,null,null,null,null,2696,0]
[null,"※会社員で概ね年収150万円以上（社会保険加入者）の方向け。"]
[null,"※生命保険料控除額はCASEによって異なるためデフォルトでは5万円。"]
[null,"※住民税と所得税控除額が異なる分、住民税額に＋1万円して計算。"]
[null,"※住宅ローン控除は考慮せず。"]
[null,{"$f":"【就労時】年間収入と支出!B135","v":{"$error":"#VALUE!"}},"年"]
[null,"本人",null,"←この色のセルに入力ください"]
[null,null,null,null,null,null,"給与所得控除",null,null,null,"本人収入","vlookup関数のための数値"]
[null,"年収",{"$f":"【就労時】年間収入と支出!C140","v":0},"万円","①",null,"年収","税率","速算加減値",null,0,2]
[null,"扶養配偶者",{"$f":"【就労時】年間収入と支出!H146","v":"あり"},null,null,null,0,0.4,-10,null,1096,3]
[null,"配偶者の年収",{"$f":"【就労時】年間収入と支出!C141","v":0},"万円",null,null,181,0.3,8,null,1146,4]
[null,"16歳以上の子供等(扶養）",{"$f":"【就労時】年間収入と支出!M146","v":0},"人",null,null,361,0.2,44,null,1196,5]
[null,"19-23歳の子供(扶養）",{"$f":"【就労時】年間収入と支出!R146","v":0},"人",null,null,661,0.1,110]
[null,"70歳以上・非同居(扶養)",{"$f":"【就労時】年間収入と支出!H149","v":0},"人",null,null,851,0,195,null,"配偶者控除額"]
[null,"70歳以上・同居(扶養)",{"$f":"【就労時】年間収入と支出!M149","v":0},"人",null,null,null,null,null,null,null,"本人収入"]
[null,null,null,null,null,null,null,null,null,null,"配偶者収入",0,1096,1146,1196]
[null,"給与所得控除",{"$f":"IF(C219*VLOOKUP(C219,G220:I224,2,TRUE)+VLOOKUP(C219,G220:I224,3,TRUE)<55,55,C219*VLOOKUP(C219,G220:I224,2,TRUE)+VLOOKUP(C219,G220:I224,3,TRUE))","v":55},"万円",null,null,null,null,null,null,0,38,26,13,0]
[null,"社会保険料控除(15%)",{"$f":"C219*15%","v":0},"万円","②",null,null,null,null,null,151,36,24,12,0]
[null,"基礎控除",{"$f":"VLOOKUP(C219,G243:H246,2,TRUE)","v":48},"万円",null,null,"所得税速算表",null,null,null,156,31,21,11,0]
[null,"配偶者控除",{"$f":"IF(C220=\"あり\",VLOOKUP(C221,K227:O236,VLOOKUP(C219,K219:L222,2,TRUE),TRUE),0)","v":38},"万円",null,null,"課税所得","税率","速算加減値",null,161,26,18,9,0]
[null,"他扶養控除",{"$f":"C222*38+C223*63+C224*48+C225*58","v":0},"万円",null,null,0,0.05,0,null,166,21,14,7,0]
[null,"生命保険料控除",{"$f":"【就労時】年間収入と支出!R149","v":5},"万円",null,null,196,0.1,-9.75,null,175,16,11,6,0]
[null,"ideco控除",{"$f":"【就労時】年間収入と支出!H152","v":0},"万円",null,null,331,0.2,-42.75,null,183,11,8,4,0]
[null,"その他控除",{"$f":"【就労時】年間収入と支出!M152","v":0},"万円",null,null,696,0.23,-63.6,null,190,6,4,2,0]
[null,"控除額計",{"$f":"SUM(C227:C234)","v":146},"万円","③",null,901,0.33,-153.6,null,197,3,2,1,0]
[null,null,null,null,null,null,1801,0.4,-279.60000000000002,null,201,0,0,0,0]
[null,"前年ふるさと納税額",{"$f":"【就労時】年間収入と支出!R152","v":0},"万円",null,null,4001,0.45,-479.6]
[]
[null,"課税所得",{"$f":"IF(C219-C235>0,C219-C235,0)","v":0},"万円","①－③"]
[null,"所得税",{"$f":"C239*(VLOOKUP(C239,G231:I237,2,TRUE))+VLOOKUP(C239,G231:I237,3,TRUE)","v":0},"万円"]
[null,"住民税",{"$f":"IF(C239*10%>0,C239*10%,0)+1-C237+0.2","v":1.2},"万円",null,null,"基礎控除"]
[null,"税合計",{"$f":"SUM(C240:C241)","v":1.2},"万円","④",null,"年収","控除額"]
[null,"税/年収比",{"$f":"C242/C219*100","v":{"$error":"#DIV/0!"}},"％",null,null,0,48]
[null,"手取り額",{"$f":"C219-C228-C242","v":-1.2},"万円","①－②－④",null,2596,32]
[null,"手取り額/年収比",{"$f":"C244/C219*100","v":{"$error":"#DIV/0!"}},"％",null,null,2646,16]
[null,null,null,null,null,null,2696,0]
[null,"※会社員で概ね年収150万円以上（社会保険加入者）の方向け。"]
[null,"※生命保険料控除額はCASEによって異なるためデフォルトでは5万円。"]
[null,"※住民税と所得税控除額が異なる分、住民税額に＋1万円して計算。"]
[null,"※住宅ローン控除は考慮せず。"]
[]
[null,{"$f":"B216","v":{"$error":"#VALUE!"}},"年"]
[null,"配偶者",null,"←この色のセルに入力ください"]
[null,null,null,null,null,null,"給与所得控除",null,null,null,"本人収入","vlookup関数のための数値"]
[null,"年収",{"$f":"【就労時】年間収入と支出!C141","v":0},"万円","①",null,"年収","税率","速算加減値",null,0,2]
[null,"扶養配偶者",null,null,null,null,0,0.4,-10,null,1096,3]
[null,"配偶者の年収",null,"万円",null,null,181,0.3,8,null,1146,4]
[null,"16歳以上の子供等(扶養）",null,"人",null,null,361,0.2,44,null,1196,5]
[null,"19-23歳の子供(扶養）",null,"人",null,null,661,0.1,110]
[null,"70歳以上・非同居(扶養)",null,"人",null,null,851,0,195,null,"配偶者控除額"]
[null,"70歳以上・同居(扶養)",null,"人",null,null,null,null,null,null,null,"本人収入"]
[null,null,null,null,null,null,null,null,null,null,"配偶者収入",0,1096,1146,1196]
[null,"給与所得控除",{"$f":"IF(C255*VLOOKUP(C255,G256:I260,2,TRUE)+VLOOKUP(C255,G256:I260,3,TRUE)<55,55,C255*VLOOKUP(C255,G256:I260,2,TRUE)+VLOOKUP(C255,G256:I260,3,TRUE))","v":55},"万円",null,null,null,null,null,null,0,38,26,13,0]
[null,"社会保険料控除(15%)",{"$f":"C255*15%","v":0},"万円","②",null,null,null,null,null,151,36,24,12,0]
[null,"基礎控除",{"$f":"VLOOKUP(C255,G279:H282,2,TRUE)","v":48},"万円",null,null,"所得税速算表",null,null,null,156,31,21,11,0]
[null,"配偶者控除",{"$f":"IF(C256=\"あり\",VLOOKUP(C257,K263:O272,VLOOKUP(C255,K255:L258,2,TRUE),TRUE),0)","v":0},"万円",null,null,"課税所得","税率","速算加減値",null,161,26,18,9,0]
[null,"他扶養控除",{"$f":"C258*38+C259*63+C260*48+C261*58","v":0},"万円",null,null,0,0.05,0,null,166,21,14,7,0]
[null,"生命保険料控除",null,"万円",null,null,196,0.1,-9.75,null,175,16,11,6,0]
[null,"ideco控除",null,"万円",null,null,331,0.2,-42.75,null,183,11,8,4,0]
[null,"その他控除",null,"万円",null,null,696,0.23,-63.6,null,190,6,4,2,0]
[null,"控除額計",{"$f":"SUM(C263:C270)","v":103},"万円","③",null,901,0.33,-153.6,null,197,3,2,1,0]
[null,null,null,null,null,null,1801,0.4,-279.60000000000002,null,201,0,0,0,0]
[null,"前年ふるさと納税額",null,"万円",null,null,4001,0.45,-479.6]
[]
[null,"課税所得",{"$f":"IF(C255-C271>0,C255-C271,0)","v":0},"万円","①－③"]
[null,"所得税",{"$f":"C275*(VLOOKUP(C275,G267:I273,2,TRUE))+VLOOKUP(C275,G267:I273,3,TRUE)","v":0},"万円"]
[null,"住民税",{"$f":"IF(C275*10%>0,C275*10%,0)+1-C273+0.2","v":1.2},"万円",null,null,"基礎控除"]
[null,"税合計",{"$f":"SUM(C276:C277)","v":1.2},"万円","④",null,"年収","控除額"]
[null,"税/年収比",{"$f":"C278/C255*100","v":{"$error":"#DIV/0!"}},"％",null,null,0,48]
[null,"手取り額",{"$f":"C255-C264-C278","v":-1.2},"万円","①－②－④",null,2596,32]
[null,"手取り額/年収比",{"$f":"C280/C255*100","v":{"$error":"#DIV/0!"}},"％",null,null,2646,16]
[null,null,null,null,null,null,2696,0]
[null,"※会社員で概ね年収150万円以上（社会保険加入者）の方向け。"]
[null,"※生命保険料控除額はCASEによって異なるためデフォルトでは5万円。"]
[null,"※住民税と所得税控除額が異なる分、住民税額に＋1万円して計算。"]
[null,"※住宅ローン控除は考慮せず。"]

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[]
[null,"借入返済予定表（元利均等返済）"]
[]
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[null,"ボーナス予定返済額（1回分）",null,null,{"$f":"不動産!E122*10000","v":0},null,null,null,null,null,null,null,null,"※「n」・・・ボーナス予定返済回数"]
[null,"ボーナス予定返済回数（n）",null,null,{"$f":"不動産!E123","v":0},null,"⇒","ボーナス返済回数(n×s)",null,null,{"$f":"IF(E10=\"\",\"\",E10*E9)","v":0}]
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[null,"金利（年利）",null,null,{"$f":"不動産!E125/100","v":0},null,"⇒","月利（金利÷12ヶ月）",null,null,{"$f":"IF(E11=\"\",\"\",E11/12)","v":0}]
[]
[null,"▼毎月返済予定表",null,null,null,null,null,null,null,null,null,null,null,"▼ボーナス返済予定表"]
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[null,null,"1949-03-28",null,592,"",null,"",null,"",null,""]
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["住まいの終活『すましゅう』"]
[null,"年金受給開始年を貯蓄の受取年と仮定して、"]
[null,"負債・貯蓄がどのくらいになるかシミュレーションしてみましょう。"]
[null,"年金受給開始",null,{"$f":"【退職後】年間収入と支出!$H$11","v":0},"歳","記入日から",null,{"$f":"$D$4-パーソナル情報!$F$5","v":{"$error":"#VALUE!"}},"年後"]
[null,{"$f":"YEAR(パーソナル情報!$H$1)+$H$4","v":{"$error":"#VALUE!"}},null,"年"]
[]
[null,null,null,null,null,{"$f":"B5-YEAR(不動産!E121)","v":{"$error":"#VALUE!"}},null,{"$f":"F7*12","v":{"$error":"#VALUE!"}}]
[null,"年金受給開始時の住宅ローン残高シミュレーション",null,null,null,null,null,null,null,null,"●ローン残高計算"]
[null,null,null,"受給開始年の予測額",null,"繰上げ返済予定額",null,"ローン残高",null,null,"ローン返済（ボーナス併用） - 高精度計算サイト"]
[null,"住宅ローン残高",null,{"$f":"VLOOKUP(H7,住宅ローン返済表!E16:M615,8,TRUE)/10000","v":{"$error":"#VALUE!"}},"万円",null,"万円",{"$f":"D10-F10","v":{"$error":"#VALUE!"}},"万円",null,"※ご使用は自己責任でお願いします"]
[null,null,null,null,null,null,null,"※簡易的な計算による"]
[null,"退職までの積立額シミュレーション"]
[null,"積立金の現金化年齢",null,null,"歳","記入日から",null,{"$f":"D13-パーソナル情報!$F$5","v":{"$error":"#VALUE!"}},"年後"]
[null,{"$f":"YEAR(パーソナル情報!$H$1)+H13","v":{"$error":"#VALUE!"}},null,"年"]
[null,null,"月額",null,"年利","運用年数",null,"予測額",null,null,"●銀行預金金利検索"]
[null,"積立貯金",null,"万円",1E-3,{"$f":"$H$13","v":{"$error":"#VALUE!"}},"年",{"$f":"FV(E16/12,F16*12,-C16)","v":{"$error":"#VALUE!"}},"万円",null,"普通預金 定期預金 金利一覧（メガバンク･ネット銀行等）"]
[null,"積立投資①",null,"万円",0.03,{"$f":"$H$13","v":{"$error":"#VALUE!"}},"年",{"$f":"FV(E17/12,F17*12,-C17)","v":{"$error":"#VALUE!"}},"万円",null,"※ご使用は自己責任でお願いします"]
[null,"積立投資②",null,"万円",0.03,{"$error":"#VALUE!"},"年",{"$f":"FV(E18/12,F18*12,-C18)","v":{"$error":"#VALUE!"}},"万円"]
[null,"積立投資③",null,"万円",0.03,{"$error":"#VALUE!"},"年",{"$f":"FV(E19/12,F19*12,-C19)","v":{"$error":"#VALUE!"}},"万円"]
[null,"積立投資④",null,"万円",0.03,{"$error":"#VALUE!"},"年",{"$f":"FV(E20/12,F20*12,-C20)","v":{"$error":"#VALUE!"}},"万円"]
[]
[null,"合計",{"$f":"SUM(C16:C20)","v":0},"万円",null,null,"合計",{"$f":"ROUNDDOWN(H16+H17+H18+H19+H20,0)","v":{"$error":"#VALUE!"}},"万円"]
[null,null,null,null,null,null,null,"※年金受給時に現金化"]
[null,"貯蓄・運用\n可能額"]
[null,null,{"$f":"【就労時】年間収入と支出!U44","v":0},"万円"]
[null,"差額",{"$f":"C25-+C22","v":0},"万円"]
[]
[null,"退職金シミュレーション",null,null,"受取年齢",null,"受取年",null,null,null,"●退職金シミュレーション"]
[null,"退職金(本人）",null,"万円",null,"歳",{"$f":"YEAR(パーソナル情報!$H$1)+(E29-パーソナル情報!$F$5)","v":{"$error":"#VALUE!"}},"年",null,null,"退職金計算ツール - 勤続年数と退職金の簡単計算 - 計算ツール"]
[null,"退職金(配偶者）",null,"万円",null,null,{"$f":"YEAR(パーソナル情報!$H$1)+(E30-パーソナル情報!H13)","v":{"$error":"#VALUE!"}},"年",null,null,"※ご使用は自己責任でお願いします"]
[null,"企業年金",{"$f":"年金!F37","v":0},"万円",null,null,null,null,null,null,"●退職金支給実態"]
[null,"個人年金",{"$f":"年金!H76","v":0},"万円",null,null,"合計",{"$f":"C32+C30+C31+C29","v":0},"万円",null,"退職給付（一時金・年金）の支給実態｜厚生労働省"]
[]
[null,"死後に入る費用"]
[null,"生命保険",{"$f":"資産!F5","v":0},"万円"]
[]
[null,"死後整理にかかる費用（残しておく費用）"]
[null,"葬儀",null,"万円"]
[null,"お墓購入",null,"万円"]
[null,"遺品整理",null,"万円",null,null,"合計",{"$f":"C40+C38+C39","v":0},"万円"]

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["住まいの終活『すましゅう』"]
[]
["キャッシュフロー表"]
["キャッシュフロー表を作成してみよう"]
[]
["家族ごとのライフイベントや収入・支出を書き出して"]
["今後の家計収支をチェックしましょう。"]
[]
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["保険料",null,null,{"$f":"【就労時】年間収入と支出!U36","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
["運用資金",null,null,{"$f":"【就労時】年間収入と支出!U37","v":0},{"$f":"D26","v":0},{"$f":"E26","v":0},{"$f":"F26","v":0},{"$f":"G26","v":0},{"$f":"H26","v":0},{"$f":"I26","v":0},{"$f":"J26","v":0},{"$f":"K26","v":0},{"$f":"L26","v":0},{"$f":"M26","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
["その他の支出",null,null,{"$f":"【就労時】年間収入と支出!U38","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
["一時的支出 自動車購入・ローン一括返済など"]
["支出合計（Ｂ）万円",null,null,{"$f":"SUM(D21:D28)","v":0},{"$f":"SUM(E21:E28)","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,{"$f":"SUM(Y21:Y28)","v":0},0,0,0,0,0,0,0,0,0,0,{"$f":"SUM(AJ21:AJ28)","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
["年間収支（Ａ-Ｂ）万円",null,null,{"$f":"+D20-D29","v":10},{"$f":"+E20-E29","v":10},10,10,10,10,10,10,10,10,10,1510,10,10,804,10,10,10,10,10,10,{"$f":"+Y20-Y29","v":10},10,10,10,10,10,10,10,10,10,10,{"$f":"+AJ20-AJ29","v":10},10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10,10]
["貯蓄残高　万円",null,null,0,{"$f":"+D31+E30","v":10},{"$f":"+E31+F30","v":20},30,40,50,60,70,80,90,100,1610,1620,1630,2434,2444,2454,2464,2474,2484,2494,{"$f":"+X31+Y30","v":2504},{"$f":"+Y31+Z30","v":2514},{"$f":"+Z31+AA30","v":2524},{"$f":"+AA31+AB30","v":2534},{"$f":"+AB31+AC30","v":2544},{"$f":"+AC31+AD30","v":2554},{"$f":"+AD31+AE30","v":2564},{"$f":"+AE31+AF30","v":2574},{"$f":"+AF31+AG30","v":2584},{"$f":"+AG31+AH30","v":2594},{"$f":"+AH31+AI30","v":2604},{"$f":"+AI31+AJ30","v":2614},{"$f":"+AJ31+AK30","v":2624},{"$f":"+AK31+AL30","v":2634},{"$f":"+AL31+AM30","v":2644},{"$f":"+AM31+AN30","v":2654},{"$f":"+AN31+AO30","v":2664},{"$f":"+AO31+AP30","v":2674},{"$f":"+AP31+AQ30","v":2684},{"$f":"+AQ31+AR30","v":2694},{"$f":"+AR31+AS30","v":2704},{"$f":"+AS31+AT30","v":2714},{"$f":"+AT31+AU30","v":2724},{"$f":"+AU31+AV30","v":2734},{"$f":"+AV31+AW30","v":2744},{"$f":"+AW31+AX30","v":2754},{"$f":"+AX31+AY30","v":2764},{"$f":"+AY31+AZ30","v":2774},{"$f":"+AZ31+BA30","v":2784},{"$f":"+BA31+BB30","v":2794},{"$f":"+BB31+BC30","v":2804},{"$f":"+BC31+BD30","v":2814},{"$f":"+BD31+BE30","v":2824},{"$f":"+BE31+BF30","v":2834},{"$f":"+BF31+BG30","v":2844},{"$f":"+BG31+BH30","v":2854},{"$f":"+BH31+BI30","v":2864},{"$f":"+BI31+BJ30","v":2874},{"$f":"+BJ31+BK30","v":2884},{"$f":"+BK31+BL30","v":2894},{"$f":"+BL31+BM30","v":2904},{"$f":"+BM31+BN30","v":2914},{"$f":"+BN31+BO30","v":2924},{"$f":"+BO31+BP30","v":2934},{"$f":"+BP31+BQ30","v":2944},{"$f":"+BQ31+BR30","v":2954},{"$f":"+BR31+BS30","v":2964},{"$f":"+BS31+BT30","v":2974},{"$f":"+BT31+BU30","v":2984},{"$f":"+BU31+BV30","v":2994},{"$f":"+BV31+BW30","v":3004}]
[]
[null,null,"※本来、キャッシュフロー表を作成するときは物価上昇や運用利回りを考慮した金額を記入しますが、ここでは記入しやすいように変動率をゼロとしています。"]

{"sheet":"医療・介護","index":13,"n_rows":38,"n_cols":9,"rows_kept":38,"cut":false,"hidden":false,"merged":[[1,4,1,5],[1,6,1,7],[1,8,1,9],[2,4,2,5],[2,6,2,7],[2,8,2,9],[3,4,3,5],[3,6,3,7],[3,8,3,9],[4,4,4,5],[4,6,4,7],[4,8,4,9],[37,6,37,7],[5,4,5,5],[5,6,5,7],[5,8,5,9],[15,5,15,6],[18,2,21,9],[27,6,27,7],[6,4,6,5],[6,6,6,7],[6,8,6,9],[7,4,7,5],[7,6,7,7],[7,8,7,9],[8,4,8,5],[8,6,8,7],[31,6,31,9],[36,6,36,9],[14,5,14,8],[8,8,8,9],[9,4,9,5],[9,6,9,7],[9,8,9,9],[10,4,10,5],[10,6,10,7],[10,8,10,9],[32,6,32,7]]}
["住まいの終活『すましゅう』"]
[null,"かかりつけ医療・介護情報",null,null,1,null,2,null,3]
[null,null,"医院・サービス名"]
[null,null,"連絡先"]
[null,null,"医師・担当者"]
[null,null,"治療内容"]
[null,null,null,null,4,null,5,null,6]
[null,null,"医院・サービス名"]
[null,null,"連絡先"]
[null,null,"医師・担当者"]
[null,null,"治療内容"]
[]
[null,"介護が必要になったとき"]
[]
[null,null,null,null,"条件"]
[null,null,null,null,"名前"]
[]
[null,"注意事項"]
[]
[]
[]
[]
[]
[null,"重篤な病気になったとき"]
[null,null,"病名の告知"]
[]
[]
[null,null,null,null,null,"名前"]
[]
[null,null,"延命治療"]
[]
[null,null,null,null,null,"条件"]
[null,null,null,null,null,"名前"]
[]
[null,null,"手術"]
[]
[null,null,null,null,null,"条件"]
[null,null,null,null,null,"名前"]

{"sheet":"遺言書","index":14,"n_rows":6,"n_cols":5,"rows_kept":6,"cut":false,"hidden":false,"merged":[[2,6,2,8],[5,6,5,8],[2,4,2,5],[5,4,5,5],[4,6,4,8],[4,4,4,5],[3,4,3,5],[3,6,3,8]]}
["住まいの終活『すましゅう』"]
[null,"遺言書の有無"]
[null,null,null,null,"遺言書の種類"]
[null,null,null,null,"保管場所"]
[null,null,null,null,"管理者連絡先"]
[null,null,null,null,"遺言書日付"]

{"sheet":"お葬式・お墓","index":15,"n_rows":74,"n_cols":8,"rows_kept":74,"cut":false,"hidden":false,"merged":[[20,4,20,5],[5,5,5,6],[13,5,13,6],[17,4,17,5],[18,4,18,5],[19,4,19,9],[33,5,33,7],[21,4,21,5],[32,5,32,6],[22,4,22,5],[23,4,23,5],[24,4,24,9],[28,4,28,5],[29,4,29,9],[30,4,30,9],[31,4,31,9],[41,4,41,9],[45,4,45,9],[40,4,40,9],[42,4,42,9],[47,4,47,9],[43,4,43,9],[44,4,44,9],[48,4,48,9],[49,4,49,9],[50,4,50,9],[51,4,51,9],[52,4,52,9],[54,4,54,9],[55,4,55,9],[56,4,56,9],[57,4,57,9],[58,4,58,9],[59,4,59,9],[61,4,61,9],[62,4,62,9],[63,4,63,9],[64,4,64,9],[71,4,71,9],[72,4,72,9],[73,4,73,9],[65,4,65,9],[66,4,66,9],[68,4,68,9],[69,4,69,9],[70,4,70,9]]}
["住まいの終活『すましゅう』"]
[null,"希望する葬儀の形"]
[]
[]
[]
[null,null,null,null,"名前"]
[]
[]
[null,"葬儀の場所は用意しているか"]
[]
[]
[]
[]
[null,null,null,null,"名前"]
[]
[]
[null,"希望する葬儀の場所"]
[null,null,"名称"]
[null,null,"宗教・宗派"]
[null,null,"住所"]
[null,null,"連絡先"]
[null,null,"費用",null,null,null,"万円"]
[null,null,"喪主を頼みたい人"]
[null,null,"弔辞を頼みたい人"]
[null,null,"連絡先"]
[]
[null,"お墓に関する希望"]
[]
[null,null,null,"名称"]
[null,null,null,"住所"]
[null,null,null,"電話"]
[null,null,null,"刻んで欲しい言葉"]
[null,null,null,null,"費用",null,null,"万円"]
[null,null,null,null,"希望場所"]
[]
[]
[]
[]
[]
[null,"死後事務処理・遺品整理は用意しているか"]
[null,null,null,null,1]
[null,null,null,"生前契約しているサービス"]
[null,null,null,"名称"]
[null,null,null,"住所"]
[null,null,null,"電話"]
[null,null,null,"契約書の保管場所"]
[]
[null,null,null,null,2]
[null,null,null,"生前契約しているサービス"]
[null,null,null,"名称"]
[null,null,null,"住所"]
[null,null,null,"電話"]
[null,null,null,"契約書の保管場所"]
[]
[null,null,null,null,3]
[null,null,null,"生前契約しているサービス"]
[null,null,null,"名称"]
[null,null,null,"住所"]
[null,null,null,"電話"]
[null,null,null,"契約書の保管場所"]
[]
[null,null,null,null,4]
[null,null,null,"生前契約しているサービス"]
[null,null,null,"名称"]
[null,null,null,"住所"]
[null,null,null,"電話"]
[null,null,null,"契約書の保管場所"]
[]
[null,null,null,null,5]
[null,null,null,"生前契約しているサービス"]
[null,null,null,"名称"]
[null,null,null,"住所"]
[null,null,null,"電話"]
[null,null,null,"契約書の保管場所"]

{"sheet":"公的書類","index":16,"n_rows":16,"n_cols":8,"rows_kept":16,"cut":false,"hidden":false,"merged":[[14,4,14,6],[14,7,14,9],[15,4,15,6],[15,7,15,9],[1,1,1,3],[11,4,11,6],[11,7,11,9],[12,4,12,6],[12,7,12,9],[13,4,13,6],[13,7,13,9],[9,4,9,6],[9,7,9,9],[10,4,10,6],[10,7,10,9],[6,4,6,6],[6,7,6,9],[7,4,7,6],[7,7,7,9],[8,4,8,6],[8,7,8,9],[3,4,3,6],[3,7,3,9],[4,4,4,6],[4,7,4,9],[5,4,5,6],[5,7,5,9]]}
["住まいの終活『すましゅう』"]
[null,"公的書類の保管場所"]
[]
[null,null,null,null,"番号",null,null,"保管場所"]
[null,"健康保険被保険者証"]
[null,"介護保険被保険者証"]
[null,"後期高齢者医療被保険者証"]
[null,"運転免許証"]
[null,"マイナンバーカード"]
[null,"パスポート"]
[null,"印鑑登録証"]
[null,"年金手帳",null,null,{"$f":"年金!F6","v":0},null,null,{"$f":"年金!F7","v":0}]
[null,"その他"]
[null,"その他"]
[null,"その他"]
[null,"その他"]

{"sheet":"デジタル遺品","index":17,"n_rows":36,"n_cols":8,"rows_kept":36,"cut":false,"hidden":false,"merged":[[1,1,1,3],[9,1,9,9],[10,1,10,9],[3,4,3,6],[3,7,3,9],[6,4,6,6],[6,7,6,9],[7,4,7,6],[7,7,7,9],[33,4,33,6],[33,7,33,9],[34,4,34,6],[34,7,34,9],[35,4,35,6],[35,7,35,9],[30,4,30,6],[30,7,30,9],[31,4,31,6],[31,7,31,9],[32,4,32,6],[32,7,32,9],[27,4,27,6],[27,7,27,9],[28,4,28,6],[28,7,28,9],[29,4,29,6],[29,7,29,9],[24,4,24,6],[24,7,24,9],[25,4,25,6],[25,7,25,9],[26,4,26,6],[26,7,26,9],[21,4,21,6],[21,7,21,9],[22,4,22,6],[22,7,22,9],[23,4,23,6],[23,7,23,9],[20,4,20,6],[16,7,16,9],[17,7,17,9],[18,7,18,9],[19,7,19,9],[20,7,20,9],[16,4,16,6],[18,4,18,6],[19,4,19,6],[12,4,12,6],[12,7,12,9],[17,4,17,6],[13,4,13,6],[13,7,13,9],[14,4,14,6],[14,7,14,9],[15,4,15,6],[15,7,15,9],[11,4,11,6],[11,7,11,9],[2,4,2,6],[2,7,2,9],[4,4,4,6],[4,7,4,9],[5,4,5,6],[5,7,5,9]]}
["住まいの終活『すましゅう』"]
[null,"スマホ・パソコン"]
[null,null,null,null,1,null,null,2]
[null,null,"種類"]
[null,null,"電話番号"]
[null,null,"契約会社"]
[null,null,"ID"]
[null,null,"パスワード"]
[]
[null,"インターネット・SNS・動画配信サービスなど"]
[null,"例：ネットバンキング・ショッピング・サブスクリプション契約・電子メールアカウント"]
[null,null,null,null,1,null,null,2]
[null,null,"サービス名"]
[null,null,"登録メールアドレス"]
[null,null,"ID"]
[null,null,"パスワード"]
[null,null,null,null,3,null,null,4]
[null,null,"サービス名"]
[null,null,"登録メールアドレス"]
[null,null,"ID"]
[null,null,"パスワード"]
[null,null,null,null,5,null,null,6]
[null,null,"サービス名"]
[null,null,"登録メールアドレス"]
[null,null,"ID"]
[null,null,"パスワード"]
[null,null,null,null,7,null,null,8]
[null,null,"サービス名"]
[null,null,"登録メールアドレス"]
[null,null,"ID"]
[null,null,"パスワード"]
[null,null,null,null,9,null,null,10]
[null,null,"サービス名"]
[null,null,"登録メールアドレス"]
[null,null,"ID"]
[null,null,"パスワード"]

{"sheet":"ペット","index":18,"n_rows":32,"n_cols":5,"rows_kept":32,"cut":false,"hidden":false,"merged":[[5,4,5,8],[2,4,2,8],[3,4,3,8],[4,4,4,8],[9,4,9,8],[6,4,6,8],[7,4,7,8],[8,4,8,8],[13,4,13,8],[14,4,14,8],[15,4,15,8],[16,4,16,8],[17,4,17,8],[18,4,18,8],[19,4,19,8],[20,4,20,8],[24,4,24,8],[25,4,25,8],[31,4,31,8],[26,4,26,8],[27,4,27,8],[28,4,28,8],[29,4,29,8],[30,4,30,8]]}
["住まいの終活『すましゅう』"]
[null,"ペット"]
[null,null,null,null,1]
[null,null,"種類"]
[null,null,"名前"]
[null,null,"譲りたい相手"]
[null,null,"連絡先"]
[null,null,"食事の好み"]
[null,null,"日課"]
[null,null,"病気・アレルギー"]
[]
[]
[]
[null,null,null,null,2]
[null,null,"種類"]
[null,null,"名前"]
[null,null,"譲りたい相手"]
[null,null,"連絡先"]
[null,null,"食事の好み"]
[null,null,"日課"]
[null,null,"病気・アレルギー"]
[]
[]
[]
[null,null,null,null,3]
[null,null,"種類"]
[null,null,"名前"]
[null,null,"譲りたい相手"]
[null,null,"連絡先"]
[null,null,"食事の好み"]
[null,null,"日課"]
[null,null,"病気・アレルギー"]