{ "_meta": { "format": "JPFIRECalc profile template v1", "instructions": "Fill in the values below then upload this file at the profile page. The _meta block is ignored on upload. Boolean fields accept: true / false. Leave optional fields as 0 or null if not applicable.", "fields": { "current_age": { "label": "Current Age", "type": "int", "description": "Your current age in years" }, "target_retirement_age": { "label": "Target Retirement Age", "type": "int", "description": "Age at which you plan to retire (FIRE target)" }, "retirement_start_year": { "label": "Retirement Start Year", "type": "int", "description": "Calendar year corresponding to retirement simulation year 0; required when education commitments exist" }, "employment_type": { "label": "Employment Type", "type": "str", "description": "company_employee | public_servant | self_employed | corporate_officer | no_job" }, "annual_gross_income_jpy": { "label": "Annual Gross Income (JPY)", "type": "int", "description": "Before-tax annual salary in yen" }, "has_spouse": { "label": "Has Spouse / Partner", "type": "bool", "description": "true or false" }, "spouse_income_jpy": { "label": "Spouse Annual Income (JPY)", "type": "int", "description": "Spouse gross annual income in yen (0 if no spouse)" }, "num_dependents": { "label": "Number of Dependents", "type": "int", "description": "Dependent family members (children, parents)" }, "social_insurance_annual_jpy": { "label": "Social Insurance Paid (Annual JPY)", "type": "int", "description": "Total shakaihoken premiums paid annually (~14% of gross for company employees)" }, "nisa_balance_jpy": { "label": "NISA Balance (JPY)", "type": "int", "description": "Current 新NISA account market value" }, "nisa_lifetime_used_jpy": { "label": "NISA Lifetime Cap Used (JPY)", "type": "int", "description": "Acquisition cost already used of the 18,000,000 yen lifetime cap" }, "ideco_balance_jpy": { "label": "iDeCo Balance (JPY)", "type": "int", "description": "Current iDeCo account market value (locked until age 60)" }, "taxable_brokerage_jpy": { "label": "Taxable Brokerage (JPY)", "type": "int", "description": "Current market value of taxable accounts (特定口座)" }, "cash_savings_jpy": { "label": "Cash Savings (JPY)", "type": "int", "description": "Bank accounts and liquid cash reserves" }, "foreign_assets_usd": { "label": "Foreign Assets (USD)", "type": "float", "description": "USD-denominated assets (US ETFs, foreign bank accounts, etc.)" }, "monthly_expenses_jpy": { "label": "Monthly Expenses (JPY)", "type": "int", "description": "Recurring monthly living expenses excluding listed education commitments" }, "education_commitments": { "label": "Education Commitments", "type": "list", "description": "Array of person-level temporary education commitments: {beneficiary_name, annual_cost_jpy, start_year, end_year, annual_inflation_pct, currency, category, notes}" }, "monthly_nisa_contribution_jpy": { "label": "Monthly NISA Contribution (JPY)", "type": "int", "description": "Tsumitate frame monthly contribution (max 100,000/month)" }, "nisa_growth_frame_annual_jpy": { "label": "NISA Growth Frame Annual (JPY)", "type": "int", "description": "Growth frame annual lump sum (max 2,400,000/year)" }, "ideco_monthly_contribution_jpy": { "label": "iDeCo Monthly Contribution (JPY)", "type": "int", "description": "Monthly iDeCo contribution (company employee max: 23,000)" }, "nenkin_contribution_months": { "label": "Nenkin Contribution Months", "type": "int", "description": "Total months paid into kokumin nenkin or kosei nenkin" }, "nenkin_net_kosei_annual_jpy": { "label": "Kosei Nenkin Estimate (JPY, optional)", "type": "int", "description": "Annual kosei nenkin estimate from NenkinNet (0 = calculate from salary)" }, "avg_standard_monthly_remuneration_jpy": { "label": "Avg Standard Monthly Remuneration (JPY)", "type": "int", "description": "平均標準報酬月額 used for kosei nenkin calculation" }, "nenkin_claim_age": { "label": "Pension Claim Age", "type": "int", "description": "Age to start drawing nenkin (60–75; deferring to 70+ increases benefit)" }, "foreign_pension_annual_jpy": { "label": "Foreign Pension Income (Annual JPY)", "type": "int", "description": "Annual foreign pension converted to yen (US Social Security, UK state pension…)" }, "foreign_pension_start_age": { "label": "Foreign Pension Start Age", "type": "int", "description": "Age at which foreign pension income begins" }, "nationality": { "label": "Nationality (ISO 3166-1 alpha-2)", "type": "str", "description": "Two-letter country code: JP, US, GB, AU, CA, DE, FR, etc." }, "residency_status": { "label": "Japan Residency Status", "type": "str", "description": "citizen | permanent_resident | long_term_resident | spouse_visa | work_visa | other" }, "treaty_country": { "label": "Home Country (for DTA notes)", "type": "str", "description": "Full country name for double-tax agreement lookup (e.g. United States)" }, "years_in_japan": { "label": "Years Resident in Japan", "type": "int", "description": "Approximate years living in Japan (affects non-permanent resident tax rules)" }, "usd_jpy_rate": { "label": "USD/JPY Rate", "type": "float", "description": "Exchange rate used to convert foreign USD assets to JPY" }, "owns_property": { "label": "Owns Property in Japan", "type": "bool", "description": "true or false" }, "property_value_jpy": { "label": "Property Value (JPY)", "type": "int", "description": "Current market value of owned property" }, "mortgage_balance_jpy": { "label": "Mortgage Balance (JPY)", "type": "int", "description": "Outstanding mortgage principal" }, "monthly_mortgage_payment_jpy": { "label": "Monthly Mortgage Payment (JPY)", "type": "int", "description": "Monthly principal + interest payment" }, "mortgage_interest_rate_pct": { "label": "Mortgage Interest Rate (%)", "type": "float", "description": "Current annual interest rate (e.g. 0.7 for 0.7%). For variable rate loans, use the current applied rate." }, "mortgage_type": { "label": "Mortgage Type", "type": "str", "description": "variable or fixed" }, "mortgage_remaining_years": { "label": "Mortgage Remaining Years", "type": "int", "description": "Years left on the loan" }, "mortgage_tax_credit_remaining_years": { "label": "Housing Loan Tax Credit Years Left", "type": "int", "description": "住宅ローン控除 years remaining (0 if expired or not applicable)" }, "mortgage_tax_credit_principal_cap_jpy": { "label": "Tax Credit Principal Cap (JPY)", "type": "int", "description": "Maximum principal eligible for 住宅ローン控除 (¥30M standard, up to ¥50M for 認定長期優良住宅)" }, "mortgage_tax_credit_rate_pct": { "label": "Tax Credit Rate (%)", "type": "float", "description": "Annual credit rate applied to mortgage balance (0.7% from 2024)" }, "mortgage_prepayment_fee_jpy": { "label": "Prepayment Fee (JPY)", "type": "int", "description": "One-time fee charged on lump-sum early repayment (0 if no fee)" }, "foreign_mortgage_interest_rate_pct": { "label": "Foreign Mortgage Interest Rate (%)", "type": "float", "description": "Annual interest rate on overseas mortgage (e.g. 4.5 for 4.5%)" }, "foreign_mortgage_type": { "label": "Foreign Mortgage Type", "type": "str", "description": "variable or fixed" }, "foreign_mortgage_remaining_years": { "label": "Foreign Mortgage Remaining Years", "type": "int", "description": "Years left on the overseas loan" }, "mortgages": { "label": "Mortgages (List)", "type": "list", "description": "Array of mortgage loans. Each entry: {id, label, balance_jpy, interest_rate_pct, monthly_payment_jpy, remaining_years, loan_type, is_foreign, tax_credit_*}. When non-empty, takes precedence over the legacy single-loan fields above." }, "rental_income_monthly_jpy": { "label": "Monthly Rental Income (JPY)", "type": "int", "description": "Monthly rental income from investment property" }, "property_paid_off_at_retirement": { "label": "Property Paid Off at Retirement", "type": "bool", "description": "true or false — whether mortgage clears before FIRE age" }, "property_planned_sale_age": { "label": "Japan Property Planned Sale Age", "type": "int", "description": "Age at which you plan to sell the Japan property (0 or blank = keep forever)" }, "property_appreciation_pct": { "label": "Japan Property Appreciation (% p.a.)", "type": "float", "description": "Expected annual property appreciation, e.g. 1.0 for 1% per year" }, "owns_foreign_property": { "label": "Owns Foreign Real Estate", "type": "bool", "description": "true or false" }, "foreign_property_value_jpy": { "label": "Foreign Property Value (JPY)", "type": "int", "description": "Combined market value of all overseas property, converted to JPY" }, "foreign_property_mortgage_jpy": { "label": "Foreign Property Mortgage (JPY)", "type": "int", "description": "Outstanding mortgage balance on overseas property, in JPY" }, "foreign_property_rental_monthly_jpy": { "label": "Foreign Rental Income Monthly (JPY)", "type": "int", "description": "Combined monthly net rental income from overseas property, in JPY" }, "foreign_property_planned_sale_age": { "label": "Foreign Property Planned Sale Age", "type": "int", "description": "Age at which you plan to sell the overseas property (0 or blank = keep)" }, "foreign_property_appreciation_pct": { "label": "Foreign Property Appreciation (% p.a.)", "type": "float", "description": "Expected annual appreciation of overseas property, e.g. 2.0 for 2% per year" }, "gold_silver_value_jpy": { "label": "Gold / Precious Metals (JPY)", "type": "int", "description": "Current market value of gold, silver, or other precious metals" }, "crypto_value_jpy": { "label": "Cryptocurrency (JPY)", "type": "int", "description": "Current value of cryptocurrency holdings at market price (BTC, ETH, etc.)" }, "rsu_unvested_value_jpy": { "label": "Unvested RSUs (JPY)", "type": "int", "description": "Fair-market value of unvested RSUs at current stock price — only count if you plan to stay until vest" }, "rsu_vesting_annual_jpy": { "label": "Annual RSU Vest (JPY)", "type": "int", "description": "Expected annual RSU vest value while still employed (stops at retirement)" }, "other_assets_jpy": { "label": "Other Assets (JPY)", "type": "int", "description": "Other assets: business equity, art, collectibles, private equity, etc." } } }, "current_age": 35, "target_retirement_age": 50, "retirement_start_year": null, "employment_type": "company_employee", "annual_gross_income_jpy": 8000000, "has_spouse": false, "spouse_income_jpy": 0, "num_dependents": 0, "social_insurance_annual_jpy": 0, "nisa_balance_jpy": 0, "nisa_lifetime_used_jpy": 0, "ideco_balance_jpy": 0, "taxable_brokerage_jpy": 0, "cash_savings_jpy": 0, "foreign_assets_usd": 0.0, "monthly_expenses_jpy": 250000, "education_commitments": [], "monthly_nisa_contribution_jpy": 100000, "nisa_growth_frame_annual_jpy": 0, "ideco_monthly_contribution_jpy": 23000, "nenkin_contribution_months": 0, "nenkin_net_kosei_annual_jpy": null, "avg_standard_monthly_remuneration_jpy": 0, "nenkin_claim_age": 65, "foreign_pension_annual_jpy": 0, "foreign_pension_start_age": 67, "nationality": "JP", "residency_status": "permanent_resident", "treaty_country": "", "years_in_japan": 10, "usd_jpy_rate": 150.0, "owns_property": false, "property_value_jpy": 0, "mortgage_balance_jpy": 0, "monthly_mortgage_payment_jpy": 0, "mortgage_interest_rate_pct": 0.7, "mortgage_type": "variable", "mortgage_remaining_years": 25, "mortgage_tax_credit_remaining_years": 0, "mortgage_tax_credit_principal_cap_jpy": 30000000, "mortgage_tax_credit_rate_pct": 0.7, "mortgage_prepayment_fee_jpy": 0, "foreign_mortgage_interest_rate_pct": 0.0, "foreign_mortgage_type": "fixed", "foreign_mortgage_remaining_years": 0, "mortgages": [], "rental_income_monthly_jpy": 0, "property_paid_off_at_retirement": false, "property_planned_sale_age": null, "property_appreciation_pct": 0.0, "owns_foreign_property": false, "foreign_property_value_jpy": 0, "foreign_property_mortgage_jpy": 0, "foreign_property_rental_monthly_jpy": 0, "foreign_property_planned_sale_age": null, "foreign_property_appreciation_pct": 0.0, "gold_silver_value_jpy": 0, "crypto_value_jpy": 0, "rsu_unvested_value_jpy": 0, "rsu_vesting_annual_jpy": 0, "other_assets_jpy": 0 }