{"id":527,"date":"2026-10-28T23:50:13","date_gmt":"2026-10-28T14:50:13","guid":{"rendered":"https:\/\/liberttus.jp\/?p=527"},"modified":"2026-10-24T17:43:25","modified_gmt":"2026-10-24T08:43:25","slug":"46%e3%80%80%e6%95%99%e8%82%b2%e8%b2%bb%e3%81%ae%e5%8f%8e%e6%94%af%e3%83%bb%e8%b3%87%e7%94%a3%e3%81%b8%e3%81%ae%e5%bd%b1%e9%9f%bf","status":"publish","type":"post","link":"https:\/\/liberttus.jp\/?p=527","title":{"rendered":"\u5b50\u4f9b\u306e\u9032\u8def\u5225\u306e\u6559\u80b2\u8cbb\u3067\u5bb6\u8a08\u3068\u8cc7\u7523\u306f\u3069\u3046\u5909\u308f\u308b\uff1f60\u6b73\u307e\u3067\u306e\u30b7\u30df\u30e5\u30ec\u30fc\u30bf\u30fc\u3010#46\u3011"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">#35\u3067\u3001\u6559\u80b2\u8cc7\u91d1\u306e\u30b7\u30df\u30e5\u30ec\u30fc\u30bf\u30fc\u3092\u63b2\u8f09\u3057\u307e\u3057\u305f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9032\u8def\u306b\u3088\u3063\u3066\u3001\u5927\u304d\u304f\u751f\u6daf\u8ca0\u62c5\u984d\u304c\u5909\u308f\u308b\u3053\u3068\u304c\u5206\u304b\u308a\u307e\u3057\u305f\u304c\u3001\u3044\u3064\u304b\u308f\u306f\u7d42\u308f\u308b\u8cbb\u7528\u3067\u3042\u308a\u3001\u8ca0\u62c5\u304c\u3042\u308b\u671f\u9593\u306e\u4e2d\u306b\u304a\u3044\u3066\u3082\u5897\u6e1b\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u305d\u306e\u5909\u5316\u304c\u3001\u3044\u304b\u306b\u5e74\u9593\u306e\u53ce\u652f\u3001\u305d\u3057\u3066\u305d\u306e\u7a4d\u307f\u91cd\u306d\u3067\u3042\u308b\u8cc7\u7523\u306b\u5f71\u97ff\u3059\u308b\u304b\uff1f\u3092\u8a66\u7b97\u3067\u304d\u308b\u30c4\u30fc\u30eb\u3092\u4f5c\u3063\u3066\u307f\u307e\u3057\u305f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n\n<style>\n:root{color-scheme:light dark;--bg:light-dark(#f5f6f4,#151817);--panel:light-dark(#fff,#202523);--text:light-dark(#202725,#edf2ef);--muted:light-dark(#68736d,#aab5ae);--line:light-dark(#dce2dd,#3a4540);--accent:light-dark(#1d6654,#77c8ad);--accent-soft:light-dark(#e6f2ed,#243d34);--danger:light-dark(#a43b3b,#ff9c9c)}\n.app,.app *{box-sizing:border-box}.app{max-width:1100px;margin:0 auto;padding:24px 16px 48px;background:var(--bg);color:var(--text);font-family:-apple-system,BlinkMacSystemFont,\"Hiragino Kaku Gothic ProN\",\"Noto Sans JP\",Meiryo,sans-serif;line-height:1.55}.eyebrow{font-size:12px;letter-spacing:.14em;color:var(--accent);font-weight:800}.header{margin-bottom:22px}.header h1{font-size:clamp(24px,4vw,34px);line-height:1.25;margin:8px 0}.header p{color:var(--muted);margin:8px 0 0;max-width:760px}.layout{display:grid;grid-template-columns:minmax(280px,360px) minmax(0,1fr);gap:18px;align-items:start}.panel{background:var(--panel);border:1px solid var(--line);border-radius:16px;padding:18px;margin-bottom:16px}.panel h2{font-size:17px;margin:0 0 14px}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.field{min-width:0}.field.full{grid-column:1\/-1}.app label{display:block;font-size:12px;color:var(--muted);margin-bottom:5px}.app input,.app select{width:100%;min-width:0;background:var(--bg);border:1px solid var(--line);border-radius:9px;padding:10px 9px;color:var(--text);font:inherit;font-size:14px}.app input:focus,.app select:focus{outline:2px solid var(--accent);outline-offset:1px}.hint{font-size:11px;color:var(--muted);margin-top:4px}.child{border-top:1px solid var(--line);padding-top:14px;margin-top:14px}.child:first-of-type{border-top:0;padding-top:0;margin-top:0}.child-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:10px}.child-head strong{font-size:14px}.toggle{display:flex;gap:8px;align-items:center;font-size:12px;color:var(--muted)}.toggle input{width:auto}.button{border:0;border-radius:10px;padding:12px 16px;background:var(--accent);color:#fff;font-weight:750;font-size:14px;cursor:pointer;width:100%}.button:hover{filter:brightness(1.05)}.summary{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;margin-bottom:16px}.metric{background:var(--accent-soft);border-radius:13px;padding:14px 12px;min-width:0}.metric .label{font-size:11px;color:var(--muted)}.metric .value{font-size:clamp(17px,2.5vw,25px);font-weight:800;letter-spacing:-.03em;margin-top:4px;overflow-wrap:anywhere}.metric .sub{font-size:11px;color:var(--muted);margin-top:3px}.chart-panel{padding:16px}.chart-title{display:flex;justify-content:space-between;gap:12px;align-items:center;flex-wrap:wrap}.legend{display:flex;gap:14px;font-size:12px;color:var(--muted)}.dot{display:inline-block;width:9px;height:9px;border-radius:2px;margin-right:5px;background:var(--accent)}.dot.line{border-radius:50%;background:#d68c43}.chart-wrap{width:100%;overflow:hidden;margin-top:10px}.app svg{display:block;width:100%;height:auto;min-height:230px}.chart-note{font-size:11px;color:var(--muted);margin:8px 0 0}.table-wrap{overflow:auto;max-height:420px;border:1px solid var(--line);border-radius:10px}.app table{border-collapse:collapse;width:100%;font-size:12px;white-space:nowrap}.app th,.app td{padding:9px 10px;border-bottom:1px solid var(--line);text-align:right}.app th{position:sticky;top:0;background:var(--panel);color:var(--muted);font-weight:700}.app th:first-child,.app td:first-child{text-align:center}.app tr:last-child td{border-bottom:0}.negative{color:var(--danger)}.notes{font-size:12px;color:var(--muted);padding-left:18px}.notes li{margin:5px 0}.footer{font-size:11px;color:var(--muted);margin-top:16px}@media(max-width:800px){.layout{grid-template-columns:1fr}.summary{grid-template-columns:1fr 1fr}.summary .metric:last-child{grid-column:1\/-1}.app{padding:18px 12px 36px}}@media(max-width:420px){.field-grid{grid-template-columns:1fr 1fr;gap:9px}.panel{padding:14px}.summary{gap:7px}.metric{padding:11px 9px}}\n<\/style>\n\n<div class=\"app\">\n<header class=\"header\"><div class=\"eyebrow\">LIBERTTUS \u00b7 HOUSEHOLD PLANNING<\/div><h1>60\u6b73\u307e\u3067\u306e\u5bb6\u8a08\u30fb\u8cc7\u7523\u30b7\u30df\u30e5\u30ec\u30fc\u30bf\u30fc<\/h1><p>\u73fe\u5728\u306e\u5bb6\u8a08\u3092\u51fa\u767a\u70b9\u306b\u3001\u6559\u80b2\u8cbb\u306e\u5909\u5316\u3092\u53cd\u6620\u3057\u3066\u3001\u5e74\u9593\u53ce\u652f\u3068\u91d1\u878d\u8cc7\u7523\u306e\u63a8\u79fb\u3092\u8a66\u7b97\u3057\u307e\u3059\u3002<\/p><\/header>\n<div class=\"layout\">\n<aside>\n<section class=\"panel\"><h2>1. \u5bb6\u8a08\u306e\u57fa\u672c\u60c5\u5831<\/h2><div class=\"field-grid\">\n<div class=\"field\"><label for=\"age\">\u73fe\u5728\u306e\u5e74\u9f62<\/label><input id=\"age\" type=\"number\" min=\"18\" max=\"59\" value=\"\"><\/div>\n<div class=\"field\"><label for=\"assets\">\u73fe\u5728\u306e\u91d1\u878d\u8cc7\u7523\uff08\u4e07\u5186\uff09<\/label><input id=\"assets\" type=\"number\" min=\"0\" step=\"1\" value=\"\"><\/div>\n<div class=\"field\"><label for=\"income\">\u5e74\u9593\u624b\u53d6\u308a\u53ce\u5165\uff08\u4e07\u5186\uff09<\/label><input id=\"income\" type=\"number\" min=\"0\" step=\"1\" value=\"\"><\/div>\n<div class=\"field\"><label for=\"expenses\">\u5e74\u9593\u652f\u51fa\uff08\u4e07\u5186\uff09<\/label><input id=\"expenses\" type=\"number\" min=\"0\" step=\"1\" value=\"\"><\/div>\n<div class=\"field full\"><div class=\"hint\">\u5e74\u9593\u652f\u51fa\u306b\u306f\u3001\u73fe\u5728\u306e\u6559\u80b2\u8cbb\u3092\u542b\u3081\u3066\u304f\u3060\u3055\u3044\u3002\u5c06\u6765\u306e\u6559\u80b2\u8cbb\u306e\u5909\u5316\u3092\u53cd\u6620\u3057\u3066\u3001\u652f\u51fa\u3092\u8abf\u6574\u3057\u307e\u3059\u3002<\/div><\/div>\n<\/div><\/section>\n<section class=\"panel\"><h2>2. \u5b50\u3069\u3082\u306e\u6559\u80b2\u6761\u4ef6<\/h2><p class=\"hint\">\u5e74\u9f62\u304b\u3089\u5b66\u5e74\u3092\u6982\u7b97\u3057\u3001\u9078\u629e\u3057\u305f\u9032\u8def\u306b\u6cbf\u3063\u3066\u6559\u80b2\u8cbb\u3092\u53cd\u6620\u3057\u307e\u3059\u3002<\/p>\n<div class=\"child\"><div class=\"child-head\"><strong>\u5b50\u3069\u3082 1<\/strong><label class=\"toggle\"><input id=\"child1on\" type=\"checkbox\"> \u8a66\u7b97\u3059\u308b<\/label><\/div><div class=\"field-grid\">\n<div class=\"field\"><label for=\"c1age\">\u73fe\u5728\u306e\u5e74\u9f62<\/label><input id=\"c1age\" type=\"number\" min=\"0\" max=\"25\" value=\"\"><\/div>\n<div class=\"field\"><label for=\"c1uni\">\u5927\u5b66\u7b49\u306e\u9032\u8def<\/label><select id=\"c1uni\"><option value=\"national\">\u56fd\u7acb\u5927\u5b66<\/option><option value=\"private_h\">\u79c1\u7acb\u30fb\u6587\u7cfb<\/option><option value=\"private_s\">\u79c1\u7acb\u30fb\u7406\u7cfb<\/option><option value=\"medical\">\u79c1\u7acb\u30fb\u533b\u5b66\u90e8<\/option><option value=\"dental\">\u79c1\u7acb\u30fb\u6b6f\u5b66\u90e8<\/option><option value=\"none\">\u5927\u5b66\u7b49\u306b\u306f\u9032\u5b66\u3057\u306a\u3044<\/option><\/select><\/div>\n<div class=\"field\"><label for=\"c1elem\">\u5c0f\u5b66\u6821<\/label><select id=\"c1elem\"><option value=\"public\">\u516c\u7acb<\/option><option value=\"private\">\u79c1\u7acb<\/option><\/select><\/div>\n<div class=\"field\"><label for=\"c1junior\">\u4e2d\u5b66\u6821<\/label><select id=\"c1junior\"><option value=\"public\">\u516c\u7acb<\/option><option value=\"private\">\u79c1\u7acb<\/option><\/select><\/div>\n<div class=\"field\"><label for=\"c1high\">\u9ad8\u6821<\/label><select id=\"c1high\"><option value=\"public\">\u516c\u7acb<\/option><option value=\"private\">\u79c1\u7acb<\/option><\/select><\/div>\n<div class=\"field\"><label for=\"c1live\">\u5927\u5b66\u7b49\u306e\u5c45\u4f4f\u5f62\u614b<\/label><select id=\"c1live\"><option value=\"home\">\u81ea\u5b85\u901a\u5b66<\/option><option value=\"away\">\u81ea\u5b85\u5916<\/option><\/select><\/div>\n<\/div><\/div>\n<div class=\"child\"><div class=\"child-head\"><strong>\u5b50\u3069\u3082 2<\/strong><label class=\"toggle\"><input id=\"child2on\" type=\"checkbox\"> \u8a66\u7b97\u3059\u308b<\/label><\/div><div class=\"field-grid\">\n<div class=\"field\"><label for=\"c2age\">\u73fe\u5728\u306e\u5e74\u9f62<\/label><input id=\"c2age\" type=\"number\" min=\"0\" max=\"25\" value=\"\"><\/div>\n<div class=\"field\"><label for=\"c2uni\">\u5927\u5b66\u7b49\u306e\u9032\u8def<\/label><select id=\"c2uni\"><option value=\"national\">\u56fd\u7acb\u5927\u5b66<\/option><option value=\"private_h\">\u79c1\u7acb\u30fb\u6587\u7cfb<\/option><option value=\"private_s\">\u79c1\u7acb\u30fb\u7406\u7cfb<\/option><option value=\"medical\">\u79c1\u7acb\u30fb\u533b\u5b66\u90e8<\/option><option value=\"dental\">\u79c1\u7acb\u30fb\u6b6f\u5b66\u90e8<\/option><option value=\"none\">\u5927\u5b66\u7b49\u306b\u306f\u9032\u5b66\u3057\u306a\u3044<\/option><\/select><\/div>\n<div class=\"field\"><label for=\"c2elem\">\u5c0f\u5b66\u6821<\/label><select id=\"c2elem\"><option value=\"public\">\u516c\u7acb<\/option><option value=\"private\">\u79c1\u7acb<\/option><\/select><\/div>\n<div class=\"field\"><label for=\"c2junior\">\u4e2d\u5b66\u6821<\/label><select id=\"c2junior\"><option value=\"public\">\u516c\u7acb<\/option><option value=\"private\">\u79c1\u7acb<\/option><\/select><\/div>\n<div class=\"field\"><label for=\"c2high\">\u9ad8\u6821<\/label><select id=\"c2high\"><option value=\"public\">\u516c\u7acb<\/option><option value=\"private\">\u79c1\u7acb<\/option><\/select><\/div>\n<div class=\"field\"><label for=\"c2live\">\u5927\u5b66\u7b49\u306e\u5c45\u4f4f\u5f62\u614b<\/label><select id=\"c2live\"><option value=\"home\">\u81ea\u5b85\u901a\u5b66<\/option><option value=\"away\">\u81ea\u5b85\u5916<\/option><\/select><\/div>\n<\/div><\/div>\n<button class=\"button\" id=\"recalc\">\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\u3092\u66f4\u65b0<\/button>\n<\/section>\n<\/aside>\n<main>\n<div class=\"summary\">\n<div class=\"metric\"><div class=\"label\">60\u6b73\u6642\u70b9\u306e\u91d1\u878d\u8cc7\u7523<\/div><div class=\"value\" id=\"finalAssets\">\u2014<\/div><div class=\"sub\">\u904b\u7528\u5229\u56de\u308a\u3092\u8003\u616e\u3057\u306a\u3044\u8a66\u7b97<\/div><\/div>\n<div class=\"metric\"><div class=\"label\">\u7d2f\u8a08\u53ce\u652f\uff08\u4eca\u5f8c\uff09<\/div><div class=\"value\" id=\"totalCash\">\u2014<\/div><div class=\"sub\">\u5e74\u9593\u53ce\u652f\u306e\u5408\u8a08<\/div><\/div>\n<div class=\"metric\"><div class=\"label\">\u8cc7\u7523\u304c\u6700\u3082\u5c11\u306a\u3044\u5e74<\/div><div class=\"value\" id=\"minAsset\">\u2014<\/div><div class=\"sub\" id=\"minAssetSub\">\u2014<\/div><\/div>\n<\/div>\n<section class=\"panel chart-panel\"><div class=\"chart-title\"><h2 style=\"margin:0\">\u8cc7\u7523\u6b8b\u9ad8\u3068\u5e74\u9593\u53ce\u652f\u306e\u63a8\u79fb<\/h2><div class=\"legend\"><span><i class=\"dot\"><\/i>\u5e74\u672b\u8cc7\u7523\u6b8b\u9ad8<\/span><span><i class=\"dot line\"><\/i>\u5e74\u9593\u53ce\u652f<\/span><\/div><\/div><div class=\"chart-wrap\"><svg id=\"chart\" viewBox=\"0 0 760 340\" role=\"img\" aria-label=\"\u5e74\u9f62\u5225\u306e\u8cc7\u7523\u6b8b\u9ad8\u3068\u5e74\u9593\u53ce\u652f\u306e\u30b0\u30e9\u30d5\"><\/svg><\/div><p class=\"chart-note\">\u68d2\u30b0\u30e9\u30d5\uff1a\u5e74\u672b\u306e\u91d1\u878d\u8cc7\u7523\u6b8b\u9ad8\uff08\u5de6\u8ef8\uff09\uff0f\u6298\u308c\u7dda\uff1a\u5e74\u9593\u53ce\u652f\uff08\u53f3\u8ef8\uff09\u3002\u5358\u4f4d\u306f\u4e07\u5186\u3002<\/p><\/section>\n<section class=\"panel\"><h2>\u5e74\u9f62\u5225\u306e\u8a66\u7b97\u8868<\/h2><div class=\"table-wrap\"><table><thead><tr><th>\u5e74\u9f62<\/th><th>\u5e74\u9593\u53ce\u5165<\/th><th>\u5e74\u9593\u652f\u51fa<\/th><th>\u5e74\u9593\u53ce\u652f<\/th><th>\u5e74\u672b\u8cc7\u7523<\/th><th>\u6559\u80b2\u8cbb\uff08\u63a8\u8a08\uff09<\/th><\/tr><\/thead><tbody id=\"rows\"><\/tbody><\/table><\/div><\/section>\n<section class=\"panel\"><h2>\u8a66\u7b97\u306e\u524d\u63d0<\/h2><ul class=\"notes\"><li>\u5bb6\u8a08\u306e\u5165\u529b\u30fb\u8868\u793a\u306f\u4e07\u5186\u5358\u4f4d\u3067\u3059\u3002\u5185\u90e8\u8a08\u7b97\u3068\u6559\u80b2\u8cbb\u30c7\u30fc\u30bf\u306f\u5186\u5358\u4f4d\u3067\u6271\u3044\u3001\u53ce\u5165\u30fb\u751f\u6d3b\u8cbb\u306f\u5165\u529b\u3057\u305f\u91d1\u984d\u304c\u5c06\u6765\u3082\u4e00\u5b9a\u3068\u4eee\u5b9a\u3057\u307e\u3059\u3002<\/li><li>\u5165\u529b\u3057\u305f\u5e74\u9593\u652f\u51fa\u306b\u542b\u307e\u308c\u308b\u73fe\u5728\u306e\u6559\u80b2\u8cbb\u3092\u3001\u5b50\u3069\u3082\u306e\u5e74\u9f62\u30fb\u9032\u8def\u304b\u3089\u63a8\u8a08\u3057\u305f\u6559\u80b2\u8cbb\u306b\u7f6e\u304d\u63db\u3048\u3066\u3001\u5c06\u6765\u306e\u652f\u51fa\u3092\u8abf\u6574\u3057\u307e\u3059\u3002<\/li><li>\u6559\u80b2\u8cbb\u306f\u516c\u7684\u7d71\u8a08\u7b49\u3092\u53c2\u8003\u306b\u3057\u305f\u6982\u7b97\u5024\u3067\u3001\u587e\u30fb\u7fd2\u3044\u4e8b\u30fb\u53d7\u9a13\u8cbb\u7528\u306a\u3069\u306f\u5bb6\u5ead\u306b\u3088\u3063\u3066\u7570\u306a\u308a\u307e\u3059\u3002<\/li><li>\u5927\u5b66\u7b49\u306e\u8cbb\u7528\u306f18\u6b73\u304b\u3089\u9032\u5b66\u3057\u3001\u56fd\u7acb\u30fb\u79c1\u7acb\u6587\u7cfb\u30fb\u79c1\u7acb\u7406\u7cfb\u306f4\u5e74\u9593\u3001\u79c1\u7acb\u533b\u5b66\u90e8\u30fb\u6b6f\u5b66\u90e8\u306f6\u5e74\u9593\u3068\u4eee\u5b9a\u3057\u307e\u3059\u3002<\/li><li>\u5927\u5b66\u7b49\u306e\u751f\u6d3b\u8cbb\u306f\u81ea\u5b85\u901a\u5b66\u30fb\u81ea\u5b85\u5916\u306e\u5e73\u5747\u5024\u3092\u52a0\u7b97\u3057\u307e\u3059\u3002\u9032\u5b66\u3057\u306a\u3044\u5834\u5408\u306f\u52a0\u7b97\u3057\u307e\u305b\u3093\u3002<\/li><li>\u904b\u7528\u76ca\u3001\u7269\u4fa1\u4e0a\u6607\u3001\u7a0e\u30fb\u793e\u4f1a\u4fdd\u967a\u5236\u5ea6\u306e\u5909\u66f4\u3001\u9000\u8077\u91d1\u3001\u5e74\u91d1\u3001\u81e8\u6642\u53ce\u652f\u306f\u8003\u616e\u3057\u3066\u3044\u307e\u305b\u3093\u3002\u5c06\u6765\u4e88\u6e2c\u3067\u306f\u306a\u304f\u3001\u6761\u4ef6\u3092\u5909\u3048\u3066\u5bb6\u8a08\u3092\u8003\u3048\u308b\u305f\u3081\u306e\u8a66\u7b97\u3067\u3059\u3002<\/li><\/ul><\/section>\n<\/main><\/div><div class=\"footer\">LIBERTTUS \u00b7 \u6570\u5b57\u306f\u5165\u529b\u6761\u4ef6\u306b\u57fa\u3065\u304f\u6982\u7b97\u3067\u3059\u3002\u7279\u5b9a\u306e\u91d1\u878d\u5546\u54c1\u30fb\u91d1\u878d\u6a5f\u95a2\u3092\u63a8\u5968\u3059\u308b\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/div>\n<\/div>\n\n<script>\n\/\/ \u5bb6\u8a08\u5165\u529b\u306f\u4e07\u5186\u5358\u4f4d\u3001\u5185\u90e8\u8a08\u7b97\u3068\u6559\u80b2\u8cbb\u30c7\u30fc\u30bf\u306f\u5186\u5358\u4f4d\u3067\u7d71\u4e00\nconst MAN=10000;\nconst COST={elem:{public:336265,private:1828112},junior:{public:542475,private:1560359},high:{public:597752,private:1030283},uni:{national:{first:817800,next:535800,years:4},private_h:{first:1300561,next:1080610,years:4},private_s:{first:1716714,next:1471352,years:4},medical:{first:6841248,next:5417530,years:6},dental:{first:5126150,next:4166476,years:6}},living:{home:500800,away:1256700}};\nconst $=id=>document.getElementById(id);\nconst num=id=>Math.max(0,Number($(id).value)||0);\nconst man=n=>`${Math.round(n\/MAN).toLocaleString('ja-JP')}\u4e07\u5186`;\nconst fmt=n=>Math.round(n\/MAN).toLocaleString('ja-JP');\nfunction childConfig(i){return {on:$(`child${i}on`).checked,age:num(`c${i}age`),elem:$(`c${i}elem`).value,junior:$(`c${i}junior`).value,high:$(`c${i}high`).value,uni:$(`c${i}uni`).value,live:$(`c${i}live`).value}}\nfunction childCost(age,c){if(!c.on)return 0;if(age>=6&&age<=11)return COST.elem[c.elem];if(age>=12&&age<=14)return COST.junior[c.junior];if(age>=15&&age<=17)return COST.high[c.high];if(age>=18&&c.uni!=='none'){const u=COST.uni[c.uni];if(age<18+u.years)return (age===18?u.first:u.next)+(COST.living[c.live]||0)}return 0}\nfunction estimate(){const age=Math.min(59,Math.max(18,num('age'))),assets=num('assets')*MAN,income=num('income')*MAN,expenses=num('expenses')*MAN;const kids=[childConfig(1),childConfig(2)];const currentEdu=kids.reduce((s,c)=>s+childCost(c.age,c),0);const data=[];let asset=assets;for(let a=age;a<=60;a++){const offset=a-age;const edu=kids.reduce((s,c)=>s+childCost(c.age+offset,c),0);const expense=Math.max(0,expenses+(edu-currentEdu));const cash=income-expense;asset+=cash;data.push({age:a,income,expense,cash,asset,edu});}return {data,currentEdu,assets,income,expenses}}\nfunction drawChart(data){const svg=$('chart'),W=760,H=340,p={l:62,r:58,t:22,b:38},iw=W-p.l-p.r,ih=H-p.t-p.b;const maxA=Math.max(MAN,...data.map(d=>d.asset)),minA=Math.min(0,...data.map(d=>d.asset));const maxC=Math.max(MAN\/2,...data.map(d=>Math.abs(d.cash)));const loC=-maxC,hiC=maxC;const x=i=>p.l+(data.length<=1?0:i\/(data.length-1)*iw);const yA=v=>p.t+(maxA-v)\/(maxA-minA||1)*ih;const yC=v=>p.t+(hiC-v)\/(hiC-loC||1)*ih;let s='';for(let k=0;k<=4;k++){const v=minA+(maxA-minA)*k\/4,yy=yA(v);s+=`<line x1=\"${p.l}\" y1=\"${yy}\" x2=\"${W-p.r}\" y2=\"${yy}\" stroke=\"var(--line)\" stroke-dasharray=\"3 4\"\/><text x=\"${p.l-9}\" y=\"${yy+4}\" text-anchor=\"end\" fill=\"var(--muted)\" font-size=\"11\">${Math.round(v\/MAN).toLocaleString()}<\/text>`;const cv=loC+(hiC-loC)*k\/4,cy=yC(cv);s+=`<text x=\"${W-p.r+8}\" y=\"${cy+4}\" fill=\"var(--muted)\" font-size=\"11\">${Math.round(cv\/MAN).toLocaleString()}<\/text>`}const bw=Math.max(3,Math.min(22,iw\/data.length*.58));data.forEach((d,i)=>{const yy=yA(d.asset),zero=yA(0);s+=`<rect x=\"${x(i)-bw\/2}\" y=\"${Math.min(yy,zero)}\" width=\"${bw}\" height=\"${Math.max(1,Math.abs(zero-yy))}\" rx=\"2\" fill=\"var(--accent)\" opacity=\".88\"><title>${d.age}\u6b73\uff1a\u5e74\u672b\u8cc7\u7523 ${fmt(d.asset)}\u4e07\u5186<\/title><\/rect>`});const points=data.map((d,i)=>`${x(i)},${yC(d.cash)}`).join(' ');s+=`<polyline points=\"${points}\" fill=\"none\" stroke=\"#d68c43\" stroke-width=\"2.5\" stroke-linejoin=\"round\" stroke-linecap=\"round\"\/>`;data.forEach((d,i)=>{if(i%Math.max(1,Math.ceil(data.length\/8))===0||i===data.length-1)s+=`<text x=\"${x(i)}\" y=\"${H-12}\" text-anchor=\"middle\" fill=\"var(--muted)\" font-size=\"11\">${d.age}\u6b73<\/text>`});s+=`<text x=\"${p.l}\" y=\"13\" fill=\"var(--muted)\" font-size=\"11\">\u8cc7\u7523\u6b8b\u9ad8\uff08\u4e07\u5186\uff09<\/text><text x=\"${W-p.r}\" y=\"13\" text-anchor=\"end\" fill=\"var(--muted)\" font-size=\"11\">\u5e74\u9593\u53ce\u652f\uff08\u4e07\u5186\uff09<\/text>`;svg.innerHTML=s}\nfunction render(){const required=['age','assets','income','expenses'];const missing=required.some(id=>$(id).value.trim()==='')||[1,2].some(i=>$(`child${i}on`).checked&&$(`c${i}age`).value.trim()==='');if(missing){$('finalAssets').textContent='\u2014';$('totalCash').textContent='\u2014';$('minAsset').textContent='\u2014';$('minAssetSub').textContent='\u57fa\u672c\u60c5\u5831\u3092\u5165\u529b\u3057\u3066\u304f\u3060\u3055\u3044';$('chart').innerHTML='';$('rows').innerHTML='';return}const r=estimate(),d=r.data,last=d[d.length-1],min=d.reduce((a,b)=>b.asset<a.asset?b:a,d[0]);$('finalAssets').textContent=man(last.asset);$('totalCash').textContent=man(last.asset-r.assets);$('minAsset').textContent=man(min.asset);$('minAssetSub').textContent=`${min.age}\u6b73\u6642\u70b9`;drawChart(d);$('rows').innerHTML=d.map(x=>`<tr><td>${x.age}\u6b73<\/td><td>${fmt(x.income)}<\/td><td>${fmt(x.expense)}<\/td><td class=\"${x.cash<0?'negative':''}\">${fmt(x.cash)}<\/td><td class=\"${x.asset<0?'negative':''}\">${fmt(x.asset)}<\/td><td>${fmt(x.edu)}<\/td><\/tr>`).join('')}\n$('recalc').addEventListener('click',render);document.querySelectorAll('input,select').forEach(el=>el.addEventListener('input',render));render();\n<\/script>\n\n\n\n\n<p class=\"wp-block-paragraph\">\u3069\u3046\u3067\u3057\u3087\u3046\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b50\u4f9b\u306e\u9032\u8def\u3092\u8003\u3048\u308b\u6642\u306b\u3001\u5bb6\u8a08\u3084\u8cc7\u7523\u306b\u3069\u3046\u5f71\u97ff\u304c\u3042\u308b\u304b\u3092\u898b\u3048\u308b\u5316\u3059\u308b\u3053\u3068\u304c\u76ee\u7684\u3067\u3059\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b89\u76f4\u306b\u3001\u8ca0\u62c5\u306e\u5c11\u306a\u3044\u516c\u7acb\u3092\u9032\u3081\u305f\u3044\u610f\u56f3\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5148\u884c\u304d\u3092\u898b\u901a\u3057\u305f\u4e0a\u3067\u306e\u5224\u65ad\u306e\u4e00\u52a9\u306b\u306a\u308c\u3070\u5b09\u3057\u3044\u3067\u3059\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u3082\u3057\u304f\u306f\u3001\u65e2\u306b\u6c7a\u65ad\u6e08\u307f\u3067\u3042\u3063\u305f\u5834\u5408\u306b\u3001\u6559\u80b2\u8cbb\u3092\u6240\u4e0e\u3068\u3057\u305f\u6642\u3001\u4ed6\u306e\u53ce\u652f(\u7279\u306b\u53ce\u5165)\u3092\u3069\u3053\u307e\u3067\u5909\u3048\u308b\u9078\u629e\u80a2\u304c\u3042\u308b\u304b\uff1f\u304c\u8003\u3048\u3084\u3059\u304f\u306a\u308b\u3068\u826f\u3044\u306a\u3068\u306e\u767a\u60f3\u3067\u4f5c\u3063\u305f\u3082\u306e\u3067\u3059\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u3082\u3057\u3001\u6539\u5584\u3084\u4fee\u6b63\u306e\u3054\u5e0c\u671b\u304c\u3042\u308c\u3070\u3001<a href=\"https:\/\/liberttus.jp\/?page_id=15\" data-type=\"page\" data-id=\"15\">\u304a\u554f\u5408\u305b<\/a>\u30da\u30fc\u30b8\u3088\u308a\u30e1\u30c3\u30bb\u30fc\u30b8\u3092\u9802\u3051\u308c\u3070\u3001\u691c\u8a0e\u3055\u305b\u3066\u9802\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u3053\u306e\u8a18\u4e8b\u304c\u53c2\u8003\u306b\u306a\u308a\u307e\u3057\u305f\u3089\u3001\u30b7\u30a7\u30a2\u3057\u3066\u3044\u305f\u3060\u3051\u308b\u3068\u52b1\u307f\u306b\u306a\u308a\u307e\u3059\u3002<br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>#35\u3067\u3001\u6559\u80b2\u8cc7\u91d1\u306e\u30b7\u30df\u30e5\u30ec\u30fc\u30bf\u30fc\u3092\u63b2\u8f09\u3057\u307e\u3057\u305f\u3002 \u9032\u8def\u306b\u3088\u3063\u3066\u3001\u5927\u304d\u304f\u751f\u6daf\u8ca0\u62c5\u984d\u304c\u5909\u308f\u308b\u3053\u3068\u304c\u5206\u304b\u308a\u307e\u3057\u305f\u304c\u3001\u3044\u3064\u304b\u308f\u306f\u7d42\u308f\u308b\u8cbb\u7528\u3067\u3042\u308a\u3001\u8ca0\u62c5\u304c\u3042\u308b\u671f\u9593\u306e\u4e2d\u306b\u304a\u3044\u3066\u3082\u5897\u6e1b\u304c\u3042\u308a\u307e\u3059\u3002 \u305d\u306e\u5909\u5316\u304c\u3001\u3044\u304b\u306b\u5e74\u9593\u306e\u53ce\u652f\u3001\u305d\u3057 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":745,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"sns_share_botton_hide":"","vkExUnit_sns_title":"","_vk_print_noindex":"","sitemap_hide":"","_veu_custom_css":"","veu_display_promotion_alert":"","vkexunit_cta_each_option":"","footnotes":""},"categories":[5],"tags":[17],"class_list":["post-527","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-plan","tag-17"],"veu_head_title_object":{"title":"","add_site_title":""},"_links":{"self":[{"href":"https:\/\/liberttus.jp\/index.php?rest_route=\/wp\/v2\/posts\/527","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/liberttus.jp\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/liberttus.jp\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/liberttus.jp\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/liberttus.jp\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=527"}],"version-history":[{"count":2,"href":"https:\/\/liberttus.jp\/index.php?rest_route=\/wp\/v2\/posts\/527\/revisions"}],"predecessor-version":[{"id":746,"href":"https:\/\/liberttus.jp\/index.php?rest_route=\/wp\/v2\/posts\/527\/revisions\/746"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/liberttus.jp\/index.php?rest_route=\/wp\/v2\/media\/745"}],"wp:attachment":[{"href":"https:\/\/liberttus.jp\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=527"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/liberttus.jp\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=527"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/liberttus.jp\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=527"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}