{"id":242,"date":"2026-11-14T00:52:16","date_gmt":"2026-11-14T00:52:16","guid":{"rendered":"https:\/\/54.199.227.50\/?page_id=242"},"modified":"2026-11-14T01:03:07","modified_gmt":"2026-11-14T01:03:07","slug":"242-2","status":"publish","type":"page","link":"https:\/\/zatugakunotobira.blog\/?page_id=242","title":{"rendered":""},"content":{"rendered":"\n<div id=\"investment-budget-tool\">\n<style>\n#investment-budget-tool{\n  --navy:#24366f;\n  --blue:#3768bd;\n  --light:#edf3ff;\n  --orange:#e99b35;\n  --green:#27845c;\n  --text:#263248;\n  --muted:#718096;\n  --border:#dce3ed;\n  max-width:850px;\n  margin:0 auto;\n  color:var(--text);\n  font-family:inherit;\n  line-height:1.7;\n}\n#investment-budget-tool *{box-sizing:border-box}\n#investment-budget-tool .ib-heading{text-align:center;margin:0 0 22px}\n#investment-budget-tool .ib-heading h2{font-size:1.55rem;color:var(--navy);margin:0 0 5px}\n#investment-budget-tool .ib-heading p{font-size:.9rem;color:var(--muted);margin:0}\n#investment-budget-tool .ib-card{\n  background:#fff;border:1px solid var(--border);\n  border-radius:13px;padding:20px;margin-bottom:17px;\n}\n#investment-budget-tool h3{\n  font-size:1.08rem;color:var(--navy);\n  margin:0 0 15px;padding-bottom:9px;\n  border-bottom:1px solid var(--border);\n}\n#investment-budget-tool .ib-description{\n  color:var(--muted);font-size:.84rem;margin:-7px 0 16px;\n}\n#investment-budget-tool .ib-switch{\n  display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-bottom:17px;\n}\n#investment-budget-tool .ib-switch button{\n  border:1px solid var(--border);border-radius:8px;\n  background:#fff;color:var(--text);padding:11px 8px;\n  font:inherit;font-size:.9rem;font-weight:700;cursor:pointer;\n}\n#investment-budget-tool .ib-switch button.active{\n  color:#fff;background:var(--navy);border-color:var(--navy);\n}\n#investment-budget-tool .ib-control{margin:0 0 19px}\n#investment-budget-tool .ib-control:last-child{margin-bottom:0}\n#investment-budget-tool .ib-control-head{\n  display:flex;justify-content:space-between;align-items:center;\n  gap:10px;margin-bottom:7px;\n}\n#investment-budget-tool label{font-weight:600;font-size:.92rem}\n#investment-budget-tool .ib-value{\n  color:var(--blue);font-weight:800;white-space:nowrap;\n  font-size:.95rem;\n}\n#investment-budget-tool input[type=range]{\n  display:block;width:100%;accent-color:var(--blue);cursor:pointer;\n}\n#investment-budget-tool .ib-range-labels{\n  display:flex;justify-content:space-between;\n  color:var(--muted);font-size:.75rem;margin-top:2px;\n}\n#investment-budget-tool .ib-expenses{\n  display:grid;grid-template-columns:1fr 1fr;gap:0 18px;\n}\n#investment-budget-tool .ib-total-expense{\n  background:var(--light);border-radius:9px;padding:13px 15px;\n  display:flex;justify-content:space-between;gap:10px;\n  font-weight:700;color:var(--navy);margin-top:8px;\n}\n#investment-budget-tool .ib-results{\n  display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;\n}\n#investment-budget-tool .ib-result{\n  background:#f7f9fc;border-radius:10px;padding:14px;min-width:0;\n}\n#investment-budget-tool .ib-result.main{\n  background:var(--light);border:1px solid #d6e3fb;\n}\n#investment-budget-tool .ib-result-label{\n  font-size:.8rem;color:var(--muted);margin-bottom:4px;\n}\n#investment-budget-tool .ib-result-number{\n  font-size:clamp(1.15rem,3vw,1.55rem);\n  font-weight:800;overflow-wrap:anywhere;\n}\n#investment-budget-tool .ib-blue{color:var(--blue)}\n#investment-budget-tool .ib-green{color:var(--green)}\n#investment-budget-tool .ib-orange{color:#c77a19}\n#investment-budget-tool .ib-wide{grid-column:1\/-1}\n#investment-budget-tool .ib-bar{\n  height:13px;background:#e8edf4;border-radius:20px;\n  overflow:hidden;display:flex;margin:10px 0;\n}\n#investment-budget-tool .ib-bar span{height:100%;display:block}\n#investment-budget-tool .ib-legend{\n  display:flex;flex-wrap:wrap;gap:12px;\n  font-size:.78rem;color:var(--muted);\n}\n#investment-budget-tool .ib-dot{\n  display:inline-block;width:9px;height:9px;\n  border-radius:50%;margin-right:5px;\n}\n#investment-budget-tool .ib-message{\n  padding:12px 14px;border-radius:8px;\n  background:#fff8e9;color:#805b18;font-size:.85rem;margin-top:12px;\n}\n#investment-budget-tool .ib-note{\n  font-size:.78rem;color:var(--muted);margin:12px 0 0;\n}\n#investment-budget-tool .ib-table-wrap{overflow-x:auto}\n#investment-budget-tool table{width:100%;border-collapse:collapse;font-size:.87rem}\n#investment-budget-tool th,#investment-budget-tool td{\n  padding:9px 7px;border-bottom:1px solid var(--border);\n  text-align:right;white-space:nowrap;\n}\n#investment-budget-tool th:first-child,#investment-budget-tool td:first-child{text-align:left}\n#investment-budget-tool th{background:#f7f9fc}\n#investment-budget-tool .ib-privacy{\n  background:#f4f8f5;border:1px solid #d6e8dc;\n  border-radius:10px;padding:15px;font-size:.85rem;\n}\n#investment-budget-tool .ib-privacy strong{color:#26724e}\n@media(max-width:560px){\n  #investment-budget-tool .ib-card{padding:15px}\n  #investment-budget-tool .ib-expenses{grid-template-columns:1fr}\n  #investment-budget-tool .ib-results{grid-template-columns:1fr 1fr}\n}\n<\/style>\n\n<div class=\"ib-heading\">\n  <h2>\u6295\u8cc7\u3067\u304d\u308b\u91d1\u984d\u30b7\u30df\u30e5\u30ec\u30fc\u30bf\u30fc<\/h2>\n  <p>\u53ce\u5165\u30fb\u751f\u6d3b\u8cbb\u30fb\u8caf\u91d1\u984d\u304b\u3089\u3001\u7121\u7406\u306e\u306a\u3044\u6295\u8cc7\u4e88\u7b97\u3092\u8a66\u7b97\u3057\u307e\u3059\u3002<\/p>\n<\/div>\n\n<!-- \u53ce\u5165 -->\n<div class=\"ib-card\">\n  <h3>\u2460 \u53ce\u5165\u3092\u5165\u529b<\/h3>\n  <p class=\"ib-description\">\u5165\u529b\u65b9\u6cd5\u3092\u9078\u629e\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n\n  <div class=\"ib-switch\">\n    <button type=\"button\" class=\"active\" data-mode=\"takehome\">\u624b\u53d6\u308a\u304b\u3089\u5165\u529b<\/button>\n    <button type=\"button\" data-mode=\"annual\">\u5e74\u53ce\u304b\u3089\u5165\u529b<\/button>\n  <\/div>\n\n  <div class=\"ib-control\" id=\"ib-takehome-area\">\n    <div class=\"ib-control-head\">\n      <label for=\"ib-takehome\">\u6bce\u6708\u306e\u624b\u53d6\u308a\u984d<\/label>\n      <span class=\"ib-value\" id=\"ib-takehome-value\">250,000\u5186<\/span>\n    <\/div>\n    <input id=\"ib-takehome\" type=\"range\" min=\"0\" max=\"1000000\" step=\"5000\" value=\"250000\">\n    <div class=\"ib-range-labels\"><span>0\u5186<\/span><span>100\u4e07\u5186<\/span><\/div>\n  <\/div>\n\n  <div class=\"ib-control\" id=\"ib-annual-area\" hidden>\n    <div class=\"ib-control-head\">\n      <label for=\"ib-annual\">\u984d\u9762\u5e74\u53ce\uff08\u30dc\u30fc\u30ca\u30b9\u8fbc\u307f\uff09<\/label>\n      <span class=\"ib-value\" id=\"ib-annual-value\">400\u4e07\u5186<\/span>\n    <\/div>\n    <input id=\"ib-annual\" type=\"range\" min=\"0\" max=\"20000000\" step=\"100000\" value=\"4000000\">\n    <div class=\"ib-range-labels\"><span>0\u5186<\/span><span>2,000\u4e07\u5186<\/span><\/div>\n    <p class=\"ib-note\">\u5e74\u53ce\u304b\u3089\u306e\u624b\u53d6\u308a\u306f\u3001\u6982\u7b97\u306e\u5272\u5408\u3067\u8a08\u7b97\u3057\u307e\u3059\u3002\u5b9f\u969b\u306e\u624b\u53d6\u308a\u984d\u3068\u306f\u7570\u306a\u308b\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n  <\/div>\n\n  <div class=\"ib-results\">\n    <div class=\"ib-result\">\n      <div class=\"ib-result-label\">\u63a8\u5b9a\u30fb\u5e74\u9593\u624b\u53d6\u308a<\/div>\n      <div class=\"ib-result-number ib-blue\" id=\"ib-yearly-income\">300\u4e07\u5186<\/div>\n    <\/div>\n    <div class=\"ib-result\">\n      <div class=\"ib-result-label\">\u6708\u5e73\u5747\u306e\u624b\u53d6\u308a<\/div>\n      <div class=\"ib-result-number\" id=\"ib-monthly-income\">25\u4e07\u5186<\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- \u751f\u6d3b\u8cbb -->\n<div class=\"ib-card\">\n  <h3>\u2461 \u6bce\u6708\u306e\u751f\u6d3b\u8cbb\u3092\u5165\u529b<\/h3>\n  <p class=\"ib-description\">\u6295\u8cc7\u306b\u4f7f\u3046\u304a\u91d1\u306f\u542b\u3081\u305a\u3001\u666e\u6bb5\u306e\u751f\u6d3b\u3067\u5fc5\u8981\u306a\u652f\u51fa\u3092\u8a2d\u5b9a\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n\n  <div class=\"ib-expenses\">\n    <div class=\"ib-control\">\n      <div class=\"ib-control-head\">\n        <label for=\"ib-rent\">\u5bb6\u8cc3\u30fb\u4f4f\u5b85\u30ed\u30fc\u30f3<\/label>\n        <span class=\"ib-value\" id=\"ib-rent-value\">70,000\u5186<\/span>\n      <\/div>\n      <input id=\"ib-rent\" type=\"range\" min=\"0\" max=\"300000\" step=\"1000\" value=\"70000\">\n      <div class=\"ib-range-labels\"><span>0\u5186<\/span><span>30\u4e07\u5186<\/span><\/div>\n    <\/div>\n\n    <div class=\"ib-control\">\n      <div class=\"ib-control-head\">\n        <label for=\"ib-food\">\u98df\u8cbb<\/label>\n        <span class=\"ib-value\" id=\"ib-food-value\">40,000\u5186<\/span>\n      <\/div>\n      <input id=\"ib-food\" type=\"range\" min=\"0\" max=\"200000\" step=\"1000\" value=\"40000\">\n      <div class=\"ib-range-labels\"><span>0\u5186<\/span><span>20\u4e07\u5186<\/span><\/div>\n    <\/div>\n\n    <div class=\"ib-control\">\n      <div class=\"ib-control-head\">\n        <label for=\"ib-utility\">\u6c34\u9053\u30fb\u5149\u71b1\u8cbb<\/label>\n        <span class=\"ib-value\" id=\"ib-utility-value\">15,000\u5186<\/span>\n      <\/div>\n      <input id=\"ib-utility\" type=\"range\" min=\"0\" max=\"100000\" step=\"1000\" value=\"15000\">\n      <div class=\"ib-range-labels\"><span>0\u5186<\/span><span>10\u4e07\u5186<\/span><\/div>\n    <\/div>\n\n    <div class=\"ib-control\">\n      <div class=\"ib-control-head\">\n        <label for=\"ib-phone\">\u901a\u4fe1\u8cbb<\/label>\n        <span class=\"ib-value\" id=\"ib-phone-value\">8,000\u5186<\/span>\n      <\/div>\n      <input id=\"ib-phone\" type=\"range\" min=\"0\" max=\"50000\" step=\"500\" value=\"8000\">\n      <div class=\"ib-range-labels\"><span>0\u5186<\/span><span>5\u4e07\u5186<\/span><\/div>\n    <\/div>\n\n    <div class=\"ib-control\">\n      <div class=\"ib-control-head\">\n        <label for=\"ib-insurance\">\u4fdd\u967a\u6599<\/label>\n        <span class=\"ib-value\" id=\"ib-insurance-value\">10,000\u5186<\/span>\n      <\/div>\n      <input id=\"ib-insurance\" type=\"range\" min=\"0\" max=\"100000\" step=\"1000\" value=\"10000\">\n      <div class=\"ib-range-labels\"><span>0\u5186<\/span><span>10\u4e07\u5186<\/span><\/div>\n    <\/div>\n\n    <div class=\"ib-control\">\n      <div class=\"ib-control-head\">\n        <label for=\"ib-transport\">\u4ea4\u901a\u8cbb<\/label>\n        <span class=\"ib-value\" id=\"ib-transport-value\">10,000\u5186<\/span>\n      <\/div>\n      <input id=\"ib-transport\" type=\"range\" min=\"0\" max=\"100000\" step=\"1000\" value=\"10000\">\n      <div class=\"ib-range-labels\"><span>0\u5186<\/span><span>10\u4e07\u5186<\/span><\/div>\n    <\/div>\n\n    <div class=\"ib-control\">\n      <div class=\"ib-control-head\">\n        <label for=\"ib-daily\">\u65e5\u7528\u54c1\u30fb\u5a2f\u697d\u8cbb<\/label>\n        <span class=\"ib-value\" id=\"ib-daily-value\">25,000\u5186<\/span>\n      <\/div>\n      <input id=\"ib-daily\" type=\"range\" min=\"0\" max=\"200000\" step=\"1000\" value=\"25000\">\n      <div class=\"ib-range-labels\"><span>0\u5186<\/span><span>20\u4e07\u5186<\/span><\/div>\n    <\/div>\n\n    <div class=\"ib-control\">\n      <div class=\"ib-control-head\">\n        <label for=\"ib-other\">\u305d\u306e\u4ed6\u306e\u652f\u51fa<\/label>\n        <span class=\"ib-value\" id=\"ib-other-value\">10,000\u5186<\/span>\n      <\/div>\n      <input id=\"ib-other\" type=\"range\" min=\"0\" max=\"200000\" step=\"1000\" value=\"10000\">\n      <div class=\"ib-range-labels\"><span>0\u5186<\/span><span>20\u4e07\u5186<\/span><\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"ib-total-expense\">\n    <span>\u6bce\u6708\u306e\u751f\u6d3b\u8cbb\u5408\u8a08<\/span>\n    <span id=\"ib-expense-total\">188,000\u5186<\/span>\n  <\/div>\n<\/div>\n\n<!-- \u8caf\u91d1\u30fb\u751f\u6d3b\u9632\u885b\u8cbb -->\n<div class=\"ib-card\">\n  <h3>\u2462 \u73fe\u5728\u306e\u8caf\u91d1\u984d\u3068\u751f\u6d3b\u9632\u885b\u8cbb<\/h3>\n\n  <div class=\"ib-control\">\n    <div class=\"ib-control-head\">\n      <label for=\"ib-savings\">\u73fe\u5728\u306e\u8caf\u91d1\u984d<\/label>\n      <span class=\"ib-value\" id=\"ib-savings-value\">2,000,000\u5186<\/span>\n    <\/div>\n    <input id=\"ib-savings\" type=\"range\" min=\"0\" max=\"30000000\" step=\"50000\" value=\"2000000\">\n    <div class=\"ib-range-labels\"><span>0\u5186<\/span><span>3,000\u4e07\u5186<\/span><\/div>\n  <\/div>\n\n  <div class=\"ib-control\">\n    <div class=\"ib-control-head\">\n      <label for=\"ib-reserve-months\">\u751f\u6d3b\u9632\u885b\u8cbb\u3068\u3057\u3066\u78ba\u4fdd\u3059\u308b\u671f\u9593<\/label>\n      <span class=\"ib-value\" id=\"ib-reserve-months-value\">6\u304b\u6708<\/span>\n    <\/div>\n    <input id=\"ib-reserve-months\" type=\"range\" min=\"1\" max=\"12\" step=\"1\" value=\"6\">\n    <div class=\"ib-range-labels\"><span>1\u304b\u6708<\/span><span>12\u304b\u6708<\/span><\/div>\n  <\/div>\n\n  <div class=\"ib-results\">\n    <div class=\"ib-result\">\n      <div class=\"ib-result-label\">\u5fc5\u8981\u306a\u751f\u6d3b\u9632\u885b\u8cbb<\/div>\n      <div class=\"ib-result-number\" id=\"ib-reserve-needed\">112.8\u4e07\u5186<\/div>\n    <\/div>\n    <div class=\"ib-result\">\n      <div class=\"ib-result-label\">\u9632\u885b\u8cbb\u3092\u5dee\u3057\u5f15\u3044\u305f\u8caf\u91d1<\/div>\n      <div class=\"ib-result-number ib-green\" id=\"ib-savings-excess\">87.2\u4e07\u5186<\/div>\n    <\/div>\n  <\/div>\n  <p class=\"ib-note\">\u751f\u6d3b\u9632\u885b\u8cbb\u306f\u3001\u6bce\u6708\u306e\u751f\u6d3b\u8cbb\u00d7\u8a2d\u5b9a\u3057\u305f\u6708\u6570\u3067\u8a08\u7b97\u3057\u307e\u3059\u3002\u5fc5\u8981\u984d\u306b\u5c4a\u304b\u306a\u3044\u5834\u5408\u3001\u8caf\u91d1\u304b\u3089\u6295\u8cc7\u306b\u56de\u305b\u308b\u91d1\u984d\u306f0\u5186\u3068\u3057\u3066\u6271\u3044\u307e\u3059\u3002<\/p>\n<\/div>\n\n<!-- \u6295\u8cc7\u914d\u5206 -->\n<div class=\"ib-card\">\n  <h3>\u2463 \u6295\u8cc7\u3068\u73fe\u91d1\u306e\u5272\u5408\u3092\u8a2d\u5b9a<\/h3>\n\n  <div class=\"ib-control\">\n    <div class=\"ib-control-head\">\n      <label for=\"ib-monthly-rate\">\u6bce\u6708\u306e\u4f59\u88d5\u8cc7\u91d1\u304b\u3089\u6295\u8cc7\u3059\u308b\u5272\u5408<\/label>\n      <span class=\"ib-value\" id=\"ib-monthly-rate-value\">60%<\/span>\n    <\/div>\n    <input id=\"ib-monthly-rate\" type=\"range\" min=\"0\" max=\"100\" step=\"5\" value=\"60\">\n    <div class=\"ib-range-labels\"><span>\u6295\u8cc70%<\/span><span>\u6295\u8cc7100%<\/span><\/div>\n  <\/div>\n\n  <div class=\"ib-control\">\n    <div class=\"ib-control-head\">\n      <label for=\"ib-initial-rate\">\u9632\u885b\u8cbb\u3092\u8d85\u3048\u305f\u8caf\u91d1\u304b\u3089\u6295\u8cc7\u3059\u308b\u5272\u5408<\/label>\n      <span class=\"ib-value\" id=\"ib-initial-rate-value\">50%<\/span>\n    <\/div>\n    <input id=\"ib-initial-rate\" type=\"range\" min=\"0\" max=\"100\" step=\"5\" value=\"50\">\n    <div class=\"ib-range-labels\"><span>\u6295\u8cc70%<\/span><span>\u6295\u8cc7100%<\/span><\/div>\n  <\/div>\n\n  <p class=\"ib-note\">\u6295\u8cc7\u306b\u56de\u3055\u306a\u3044\u5206\u306f\u73fe\u91d1\u3068\u3057\u3066\u6b8b\u3059\u8a08\u7b97\u3067\u3059\u3002\u751f\u6d3b\u9632\u885b\u8cbb\u305d\u306e\u3082\u306e\u306f\u6295\u8cc7\u306b\u56de\u3057\u307e\u305b\u3093\u3002<\/p>\n<\/div>\n\n<!-- \u5e74\u9f62\u3068\u5c06\u6765\u4e88\u6e2c -->\n<div class=\"ib-card\">\n  <h3>\u2464 \u5e74\u9f62\u3068\u904b\u7528\u671f\u9593\u3092\u8a2d\u5b9a<\/h3>\n\n  <div class=\"ib-control\">\n    <div class=\"ib-control-head\">\n      <label for=\"ib-age\">\u73fe\u5728\u306e\u5e74\u9f62<\/label>\n      <span class=\"ib-value\" id=\"ib-age-value\">25\u6b73<\/span>\n    <\/div>\n    <input id=\"ib-age\" type=\"range\" min=\"18\" max=\"60\" step=\"1\" value=\"25\">\n    <div class=\"ib-range-labels\"><span>18\u6b73<\/span><span>60\u6b73<\/span><\/div>\n  <\/div>\n\n  <div class=\"ib-control\">\n    <div class=\"ib-control-head\">\n      <label for=\"ib-return\">\u60f3\u5b9a\u3059\u308b\u5e74\u9593\u904b\u7528\u5229\u56de\u308a<\/label>\n      <span class=\"ib-value\" id=\"ib-return-value\">5.0%<\/span>\n    <\/div>\n    <input id=\"ib-return\" type=\"range\" min=\"0\" max=\"15\" step=\"0.1\" value=\"5\">\n    <div class=\"ib-range-labels\"><span>0%<\/span><span>15%<\/span><\/div>\n  <\/div>\n\n  <div class=\"ib-result main\">\n    <div class=\"ib-result-label\">60\u6b73\u307e\u3067\u306e\u6b8b\u308a\u6295\u8cc7\u671f\u9593<\/div>\n    <div class=\"ib-result-number ib-blue\" id=\"ib-years-left\">\u3042\u306835\u5e74<\/div>\n  <\/div>\n  <p class=\"ib-note\">60\u6b73\u4ee5\u964d\u3082\u6295\u8cc7\u3092\u7d9a\u3051\u308b\u5834\u5408\u306f\u3001\u5b9f\u969b\u306e\u904b\u7528\u671f\u9593\u306b\u5408\u308f\u305b\u3066\u5225\u9014\u8a66\u7b97\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<\/div>\n\n<!-- \u7d50\u679c -->\n<div class=\"ib-card\">\n  <h3>\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\u7d50\u679c<\/h3>\n  <div class=\"ib-results\">\n    <div class=\"ib-result main\">\n      <div class=\"ib-result-label\">\u6bce\u6708\u306e\u6295\u8cc7\u53ef\u80fd\u984d<\/div>\n      <div class=\"ib-result-number ib-blue\" id=\"ib-monthly-invest\">37,200\u5186<\/div>\n    <\/div>\n    <div class=\"ib-result\">\n      <div class=\"ib-result-label\">\u6bce\u6708\u73fe\u91d1\u3068\u3057\u3066\u6b8b\u3059\u984d<\/div>\n      <div class=\"ib-result-number ib-green\" id=\"ib-monthly-cash\">24,800\u5186<\/div>\n    <\/div>\n    <div class=\"ib-result\">\n      <div class=\"ib-result-label\">\u521d\u56de\u306b\u6295\u8cc7\u3067\u304d\u308b\u91d1\u984d<\/div>\n      <div class=\"ib-result-number ib-orange\" id=\"ib-initial-invest\">43.6\u4e07\u5186<\/div>\n    <\/div>\n    <div class=\"ib-result\">\n      <div class=\"ib-result-label\">\u521d\u56de\u306b\u73fe\u91d1\u3068\u3057\u3066\u6b8b\u3059\u984d<\/div>\n      <div class=\"ib-result-number\" id=\"ib-initial-cash\">43.6\u4e07\u5186<\/div>\n    <\/div>\n    <div class=\"ib-result ib-wide\">\n      <div class=\"ib-result-label\">\u6bce\u6708\u306e\u53ce\u652f\uff08\u624b\u53d6\u308a\uff0d\u751f\u6d3b\u8cbb\uff09<\/div>\n      <div class=\"ib-result-number\" id=\"ib-surplus\">62,000\u5186<\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"ib-message\" id=\"ib-warning\" hidden><\/div>\n\n  <h3 style=\"margin-top:22px\">60\u6b73\u6642\u70b9\u306e\u8cc7\u7523\u4e88\u6e2c<\/h3>\n  <div class=\"ib-result main\">\n    <div class=\"ib-result-label\">\u521d\u56de\u6295\u8cc7\u984d\uff0b\u6bce\u6708\u306e\u7a4d\u7acb\u3092\u904b\u7528\u3057\u305f\u5834\u5408<\/div>\n    <div class=\"ib-result-number ib-blue\" id=\"ib-future-total\">\u2014<\/div>\n    <div class=\"ib-note\" id=\"ib-future-detail\"><\/div>\n  <\/div>\n  <div class=\"ib-bar\">\n    <span id=\"ib-bar-principal\" style=\"width:50%;background:#3768bd\"><\/span>\n    <span id=\"ib-bar-profit\" style=\"width:50%;background:#e99b35\"><\/span>\n  <\/div>\n  <div class=\"ib-legend\">\n    <span><i class=\"ib-dot\" style=\"background:#3768bd\"><\/i>\u6295\u8cc7\u5143\u672c<\/span>\n    <span><i class=\"ib-dot\" style=\"background:#e99b35\"><\/i>\u904b\u7528\u76ca<\/span>\n  <\/div>\n  <p class=\"ib-note\">\u203b\u5c06\u6765\u4e88\u6e2c\u306f\u4e00\u5b9a\u306e\u5229\u56de\u308a\u3067\u904b\u7528\u3067\u304d\u305f\u3068\u4eee\u5b9a\u3057\u305f\u8a08\u7b97\u4f8b\u3067\u3059\u3002\u5b9f\u969b\u306e\u904b\u7528\u6210\u679c\u3092\u4fdd\u8a3c\u3059\u308b\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<\/div>\n\n<div class=\"ib-privacy\">\n  <strong>\u30d7\u30e9\u30a4\u30d0\u30b7\u30fc\u306b\u3064\u3044\u3066<\/strong><br>\n  \u3053\u306e\u30c4\u30fc\u30eb\u306f\u5165\u529b\u3055\u308c\u305f\u60c5\u5831\u3092\u53ce\u96c6\u30fb\u4fdd\u5b58\u3057\u307e\u305b\u3093\u3002\u8a08\u7b97\u306f\u304a\u4f7f\u3044\u306e\u30d6\u30e9\u30a6\u30b6\u5185\u3067\u884c\u3044\u307e\u3059\u3002\u5165\u529b\u5185\u5bb9\u3092\u30b5\u30fc\u30d0\u30fc\u3078\u9001\u4fe1\u3059\u308b\u6a5f\u80fd\u306f\u3042\u308a\u307e\u305b\u3093\u3002\n<\/div>\n\n<script>\n(() => {\n  const root = document.getElementById('investment-budget-tool');\n  if (!root || root.dataset.ready === '1') return;\n  root.dataset.ready = '1';\n\n  const $ = id => root.querySelector('#' + id);\n  let mode = 'takehome';\n\n  const expenseIds = [\n    'ib-rent','ib-food','ib-utility','ib-phone',\n    'ib-insurance','ib-transport','ib-daily','ib-other'\n  ];\n\n  const yen = n => Math.round(n).toLocaleString('ja-JP') + '\u5186';\n  const man = n => (n \/ 10000).toLocaleString('ja-JP',{\n    maximumFractionDigits:1\n  }) + '\u4e07\u5186';\n\n  function get(id){\n    return Number($(id).value) || 0;\n  }\n\n  function setText(id,text){\n    $(id).textContent = text;\n  }\n\n  function estimatedNetRate(income){\n    \/\/ \u984d\u9762\u5e74\u53ce\u304b\u3089\u624b\u53d6\u308a\u3092\u6c42\u3081\u308b\u7c21\u6613\u7684\u306a\u6982\u7b97\u7387\n    if(income <= 3000000) return 0.82;\n    if(income <= 5000000) return 0.80;\n    if(income <= 8000000) return 0.77;\n    if(income <= 12000000) return 0.74;\n    return 0.70;\n  }\n\n  function getIncome(){\n    if(mode === 'takehome'){\n      return get('ib-takehome');\n    }\n    return get('ib-annual') * estimatedNetRate(get('ib-annual')) \/ 12;\n  }\n\n  function updateLabels(){\n    setText('ib-takehome-value',yen(get('ib-takehome')));\n    setText('ib-annual-value',man(get('ib-annual')));\n    setText('ib-savings-value',man(get('ib-savings')));\n\n    expenseIds.forEach(id => {\n      setText(id + '-value',yen(get(id)));\n    });\n\n    setText('ib-reserve-months-value',get('ib-reserve-months')+'\u304b\u6708');\n    setText('ib-monthly-rate-value',get('ib-monthly-rate')+'%');\n    setText('ib-initial-rate-value',get('ib-initial-rate')+'%');\n    setText('ib-age-value',get('ib-age')+'\u6b73');\n    setText('ib-return-value',get('ib-return').toFixed(1)+'%');\n  }\n\n  function calculate(){\n    updateLabels();\n\n    const monthlyIncome = getIncome();\n    const yearlyIncome = monthlyIncome * 12;\n    const expense = expenseIds.reduce((sum,id)=>sum+get(id),0);\n    const surplus = monthlyIncome - expense;\n\n    const reserve = expense * get('ib-reserve-months');\n    const savings = get('ib-savings');\n    const excess = Math.max(0,savings-reserve);\n\n    const monthlyInvest = Math.max(0,surplus) * get('ib-monthly-rate') \/ 100;\n    const monthlyCash = Math.max(0,surplus) - monthlyInvest;\n\n    const initialInvest = excess * get('ib-initial-rate') \/ 100;\n    const initialCash = savings - initialInvest;\n\n    const age = get('ib-age');\n    const years = Math.max(0,60-age);\n    const rate = get('ib-return') \/ 100;\n    const monthlyRate = Math.pow(1+rate,1\/12)-1;\n\n    let balance = initialInvest;\n    let investedPrincipal = initialInvest;\n\n    for(let i=0;i<years*12;i++){\n      balance = balance * (1+monthlyRate) + monthlyInvest;\n      investedPrincipal += monthlyInvest;\n    }\n\n    const profit = balance-investedPrincipal;\n\n    setText('ib-yearly-income',man(yearlyIncome));\n    setText('ib-monthly-income',man(monthlyIncome));\n    setText('ib-expense-total',yen(expense));\n    setText('ib-reserve-needed',man(reserve));\n    setText('ib-savings-excess',man(excess));\n    setText('ib-monthly-invest',yen(monthlyInvest));\n    setText('ib-monthly-cash',yen(monthlyCash));\n    setText('ib-initial-invest',man(initialInvest));\n    setText('ib-initial-cash',man(initialCash));\n    setText('ib-surplus',yen(surplus));\n    setText('ib-years-left',years===0?'60\u6b73\u306b\u5230\u9054\u3057\u3066\u3044\u307e\u3059':'\u3042\u3068'+years+'\u5e74');\n\n    setText('ib-future-total',man(balance));\n    setText('ib-future-detail',\n      '\u6295\u8cc7\u5143\u672c '+man(investedPrincipal)+' \uff0f \u904b\u7528\u76ca '+man(profit)\n    );\n\n    const total = Math.max(1,balance);\n    $('ib-bar-principal').style.width =\n      Math.max(0,investedPrincipal\/total*100)+'%';\n    $('ib-bar-profit').style.width =\n      Math.max(0,profit\/total*100)+'%';\n\n    const warnings = [];\n    if(surplus < 0){\n      warnings.push('\u6bce\u6708\u306e\u751f\u6d3b\u8cbb\u304c\u624b\u53d6\u308a\u3092\u4e0a\u56de\u3063\u3066\u3044\u307e\u3059\u3002\u307e\u305a\u306f\u751f\u6d3b\u8cbb\u306e\u898b\u76f4\u3057\u3092\u304a\u3059\u3059\u3081\u3057\u307e\u3059\u3002');\n    }\n    if(savings < reserve){\n      warnings.push('\u73fe\u5728\u306e\u8caf\u91d1\u984d\u306f\u3001\u8a2d\u5b9a\u3057\u305f\u751f\u6d3b\u9632\u885b\u8cbb\u306b\u5c4a\u3044\u3066\u3044\u307e\u305b\u3093\u3002\u307e\u305a\u306f\u73fe\u91d1\u306e\u78ba\u4fdd\u3092\u512a\u5148\u3057\u3066\u304f\u3060\u3055\u3044\u3002');\n    }\n    if(mode === 'annual'){\n      warnings.push('\u5e74\u53ce\u304b\u3089\u306e\u624b\u53d6\u308a\u984d\u306f\u6982\u7b97\u3067\u3059\u3002\u5b9f\u969b\u306e\u91d1\u984d\u306f\u7a0e\u91d1\u30fb\u793e\u4f1a\u4fdd\u967a\u6599\u30fb\u6276\u990a\u72b6\u6cc1\u306a\u3069\u3067\u5909\u308f\u308a\u307e\u3059\u3002');\n    }\n\n    const warning = $('ib-warning');\n    if(warnings.length){\n      warning.hidden = false;\n      warning.textContent = warnings.join(' ');\n    }else{\n      warning.hidden = true;\n      warning.textContent = '';\n    }\n  }\n\n  root.querySelectorAll('[data-mode]').forEach(button=>{\n    button.addEventListener('click',()=>{\n      mode = button.dataset.mode;\n      root.querySelectorAll('[data-mode]').forEach(b=>{\n        b.classList.toggle('active',b===button);\n      });\n      $('ib-takehome-area').hidden = mode !== 'takehome';\n      $('ib-annual-area').hidden = mode !== 'annual';\n      calculate();\n    });\n  });\n\n  root.querySelectorAll('input[type=range]').forEach(input=>{\n    input.addEventListener('input',calculate);\n  });\n\n  calculate();\n})();\n<\/script>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u6295\u8cc7\u3067\u304d\u308b\u91d1\u984d\u30b7\u30df\u30e5\u30ec\u30fc\u30bf\u30fc \u53ce\u5165\u30fb\u751f\u6d3b\u8cbb\u30fb\u8caf\u91d1\u984d\u304b\u3089\u3001\u7121\u7406\u306e\u306a\u3044\u6295\u8cc7\u4e88\u7b97\u3092\u8a66\u7b97\u3057\u307e\u3059\u3002 \u2460 \u53ce\u5165\u3092\u5165\u529b \u5165\u529b\u65b9\u6cd5\u3092\u9078\u629e\u3057\u3066\u304f\u3060\u3055\u3044\u3002 \u624b\u53d6\u308a\u304b\u3089\u5165\u529b \u5e74\u53ce\u304b\u3089\u5165\u529b \u6bce\u6708\u306e\u624b\u53d6\u308a\u984d 250,000\u5186 0\u5186100\u4e07\u5186 \u984d\u9762 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-242","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.5.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"\u6295\u8cc7\u3067\u304d\u308b\u91d1\u984d\u30b7\u30df\u30e5\u30ec\u30fc\u30bf\u30fc 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