{
 "schema_version": "1.0",
 "license": {
  "name": "CC BY 4.0",
  "url": "https://creativecommons.org/licenses/by/4.0/",
  "attribution": "aligno（https://aligno.jp/）",
  "note": "このデータのまとめ方と確認日に対するライセンス。元になった各機関の資料の利用条件は、それぞれの出典に従う。"
 },
 "last_verified": "2026-10-02",
 "note": "資産寿命判定（/shisan-jumyo/）の数値。金額・年数は js/calc.js に書かず、ここから読む。健康寿命の個人推計はしない。出典と確認日は各ブロックに書く。",
 "life_table": {
  "label": "令和7年簡易生命表（男・女）",
  "age_from": 40,
  "age_to": 100,
  "male": {
   "ex": [
    42.29,
    41.33,
    40.38,
    39.42,
    38.47,
    37.52,
    36.57,
    35.63,
    34.69,
    33.75,
    32.82,
    31.9,
    30.98,
    30.06,
    29.16,
    28.26,
    27.36,
    26.47,
    25.59,
    24.72,
    23.86,
    23.01,
    22.16,
    21.32,
    20.5,
    19.68,
    18.88,
    18.09,
    17.31,
    16.54,
    15.78,
    15.04,
    14.31,
    13.6,
    12.91,
    12.24,
    11.58,
    10.94,
    10.31,
    9.69,
    9.1,
    8.53,
    7.98,
    7.45,
    6.94,
    6.44,
    5.97,
    5.53,
    5.11,
    4.73,
    4.38,
    4.06,
    3.74,
    3.45,
    3.16,
    2.9,
    2.65,
    2.42,
    2.2,
    2.0,
    1.81
   ],
   "lx": [
    98377,
    98284,
    98184,
    98075,
    97957,
    97829,
    97690,
    97538,
    97372,
    97188,
    96984,
    96757,
    96506,
    96232,
    95932,
    95603,
    95241,
    94843,
    94403,
    93918,
    93387,
    92811,
    92183,
    91495,
    90733,
    89892,
    88971,
    87973,
    86896,
    85729,
    84453,
    83051,
    81511,
    79824,
    77986,
    75991,
    73836,
    71531,
    69079,
    66461,
    63651,
    60631,
    57407,
    54005,
    50468,
    46795,
    42972,
    39003,
    34918,
    30790,
    26705,
    22749,
    19076,
    15686,
    12616,
    9897,
    7546,
    5572,
    3968,
    2712,
    1770
   ]
  },
  "female": {
   "ex": [
    48.05,
    47.08,
    46.11,
    45.14,
    44.17,
    43.2,
    42.24,
    41.28,
    40.32,
    39.36,
    38.41,
    37.46,
    36.51,
    35.57,
    34.64,
    33.7,
    32.77,
    31.84,
    30.91,
    29.99,
    29.07,
    28.15,
    27.24,
    26.33,
    25.42,
    24.52,
    23.63,
    22.74,
    21.85,
    20.97,
    20.1,
    19.24,
    18.39,
    17.54,
    16.7,
    15.88,
    15.07,
    14.27,
    13.48,
    12.71,
    11.95,
    11.21,
    10.49,
    9.8,
    9.12,
    8.47,
    7.85,
    7.26,
    6.69,
    6.16,
    5.66,
    5.18,
    4.75,
    4.34,
    3.95,
    3.58,
    3.23,
    2.9,
    2.59,
    2.31,
    2.05
   ],
   "lx": [
    98913,
    98858,
    98799,
    98735,
    98665,
    98588,
    98504,
    98413,
    98314,
    98207,
    98088,
    97957,
    97811,
    97651,
    97479,
    97293,
    97095,
    96884,
    96658,
    96416,
    96157,
    95880,
    95581,
    95260,
    94912,
    94533,
    94119,
    93673,
    93190,
    92664,
    92083,
    91440,
    90733,
    89956,
    89100,
    88149,
    87087,
    85906,
    84596,
    83140,
    81514,
    79692,
    77646,
    75351,
    72795,
    69950,
    66786,
    63284,
    59444,
    55282,
    50819,
    46087,
    41153,
    36124,
    31136,
    26352,
    21769,
    17482,
    13575,
    10130,
    7212
   ]
  },
  "unit": "ex=平均余命（年）, lx=10万人あたり生存数",
  "source": "https://www.mhlw.go.jp/toukei/saikin/hw/life/life25/xls/life25-12.xlsx",
  "index": "https://www.mhlw.go.jp/toukei/saikin/hw/life/life25/index.html",
  "verified_on": "2026-10-02"
 },
 "household_budget": {
  "label": "家計調査（家計収支編）2025年平均 65歳以上の無職世帯",
  "couple": {
   "income": 254395,
   "social_security": 228614,
   "non_consumption": 32850,
   "disposable": 221544,
   "consumption": 263979,
   "gap": 42434
  },
  "single": {
   "income": 131456,
   "social_security": 120212,
   "non_consumption": 12990,
   "disposable": 118465,
   "consumption": 148445,
   "gap": 29980
  },
  "unit": "円／月",
  "gap_def": "実収入 −（消費支出＋非消費支出）の不足分",
  "source": "https://www.stat.go.jp/data/kakei/2025np/pdf/summary.pdf",
  "page": "19（図1・図2）",
  "verified_on": "2026-10-02"
 },
 "pension_standard_r8": {
  "label": "令和8年度の年金額（昭和31年4月2日以後生まれ）",
  "basic_full_monthly": 70608,
  "employee_couple_standard_monthly": 237279,
  "source": "https://www.nenkin.go.jp/oshirase/taisetu/kojin/2026/202604/0401.html",
  "verified_on": "2026-10-02"
 },
 "pension_average_r6": {
  "label": "令和6年度 厚生年金保険・国民年金事業の概況（令和7年12月 年金局）令和6年度末",
  "employee_old_age_avg": 151142,
  "employee_old_age_avg_65plus_male": 173033,
  "employee_old_age_avg_65plus_female": 114797,
  "national_old_age_avg": 59431,
  "source": "https://www.mhlw.go.jp/content/001617995.pdf",
  "verified_on": "2026-10-02"
 },
 "drawdown": {
  "label": "金融審議会 市場ワーキング・グループ報告書「高齢社会における資産形成・管理」（令和元年6月3日）",
  "wording": "不足額約５万円が毎月発生する場合には、20年で約1,300万円、30年で約2,000万円の取崩しが必要になる。",
  "excludes": "介護費用や住宅リフォーム費用などを含んでいない",
  "source": "https://www.fsa.go.jp/singi/singi_kinyu/tosin/20190603/01.pdf",
  "verified_on": "2026-10-02"
 },
 "steps": {
  "paluch_2022": {
   "citation": "Paluch AE, et al. Daily steps and all-cause mortality: a meta-analysis of 15 international cohorts. Lancet Public Health. 2022;7(3):e219-e228",
   "doi": "10.1016/S2468-2667(21)00302-9",
   "quartiles": [
    {
     "q": 1,
     "median_steps": 3553,
     "hr": 1.0
    },
    {
     "q": 2,
     "median_steps": 5801,
     "hr": 0.6,
     "ci": [
      0.51,
      0.71
     ]
    },
    {
     "q": 3,
     "median_steps": 7842,
     "hr": 0.55,
     "ci": [
      0.49,
      0.62
     ]
    },
    {
     "q": 4,
     "median_steps": 10901,
     "hr": 0.47,
     "ci": [
      0.39,
      0.57
     ]
    }
   ],
   "plateau": {
    "age_60_plus": [
     6000,
     8000
    ],
    "under_60": [
     8000,
     10000
    ]
   },
   "n": 47471,
   "outcome": "全死因死亡（健康寿命ではない）",
   "verified_on": "2026-10-02"
  },
  "kenko_nippon21_3rd": {
   "target_steps": {
    "age_20_64": 8000,
    "age_65_plus": 6000
   },
   "overall_target": 7100,
   "baseline_r1": {
    "overall": 6278,
    "age_65_plus": {
     "male": 5396,
     "female": 4656
    },
    "year": "令和元年度"
   },
   "source": "https://kennet.mhlw.go.jp/information/information/exercise/s-00-001.html",
   "verified_on": "2026-10-02",
   "verify_level": "e-ヘルスネットの本文と表2を画面で照合（20〜64歳の男女各8,000歩/日、65歳以上の男女各6,000歩/日、全体7,100歩、現状値は令和元年度）"
  }
 },
 "assumptions": {
  "pension_delta_monthly": 30000,
  "spend_factor": 0.1,
  "target_age": 95,
  "return_rate_example": 0.01
 },
 "pension_timing": {
  "verified": true,
  "verified_on": "2026-10-07",
  "deferral": {
   "rate_per_month_pct": 0.7,
   "max_age": 75,
   "max_pct": 84,
   "note": "昭和27年4月1日以前生まれ等は上限70歳・最大42%",
   "not_increased": "加給年金額や振替加算額は増額の対象にならない。在職老齢年金で支給停止される額も増額の対象にならない",
   "source": "https://www.nenkin.go.jp/service/jukyu/seido/roureinenkin/kuriage-kurisage/20140421-02.html",
   "page_updated": "2026-08-12"
  },
  "early": {
   "rate_per_month_pct": 0.4,
   "rate_per_month_pct_born_before_1962_04_02": 0.5,
   "min_age": 60,
   "max_pct": 24,
   "max_pct_born_before_1962_04_02": 30,
   "note": "原則として老齢基礎年金と老齢厚生年金は同時に繰上げ。減額は生涯続く",
   "source": "https://www.nenkin.go.jp/service/jukyu/seido/roureinenkin/kuriage-kurisage/20140421-01.html",
   "page_updated": "2024-08-19"
  }
 }
}