JP6882971B2 - Household cash flow simulation device over time - Google Patents

Description

The present invention is an invention relating to a household cash flow simulation device over time, which can calculate and present a household cash flow over time by selecting a base household model prepared in advance.

When proposing asset management or asset accumulation for the future at a bank or securities company, we interview the customer's income and asset status, and based on the experience of the person in charge, the proposal that seems to be suitable for each customer I am doing.
For example, examples of assets under management include bank deposits, government bonds, foreign currency deposits, investment trusts, ETFs (exchange-traded funds), stocks (listed stocks), REITs (investment trusts that invest in real estate properties), FX investments, and foreign currencies. Investment, futures trading, real estate investment, solar power investment, unlisted stock investment, life insurance and mortgage. These have a wide variety of yields and risks, and it is difficult to make proposals tailored to customer-specific circumstances after accurately understanding the nature of each, even if they have sufficient experience.

Japanese Patent Application Laid-Open No. 11-7476

Although not used by bank or securities firm personnel for customers, prior art exposes technology that allows individuals to manage their assets on a computer and simulate them.

According to this technology, calculations and simulations are performed by inputting the states of individual income, expenses, assets, liabilities, and net assets.

According to this, it is possible to simulate future assets based on the assumptions of the individual. However, it is difficult for individuals to imagine possible future events in detail and enter the necessary information. Because they lack expertise. For example, specialized knowledge is required to predict necessary insurance, estimation of future pension receipts, possible future fluctuations in interest rates, and fluctuations in real estate value. Therefore, if the simulation is performed ignoring these factors, the result will have a considerably large fluctuation range, and it will be dangerous to use it as effective information.

In order to solve the above problems, the following personal cash flow presenting device is provided in the present invention. That is, as the first invention, a base household model, which is a typical household model in which a default household attribute, which is a default household attribute, is given to simulate a household cash flow over time, which is a household cash flow over time. Either the base household model information storage unit that stores multiple pieces of information, the cash flow calculation rule holding unit that holds the cash flow calculation rule that calculates the household cash flow over time according to the household attributes, or the base household model information. The base household model selection reception unit that accepts the selection, the household attribute editing department that accepts the editing of the household attribute of the selected base household model, and the edited household attribute or the unedited default household attribute over time. Calculated as a household attribute holding unit held for simulating household cash flow, and a household cash flow calculation unit over time that calculates household cash flow over time based on the held household attributes and cash flow calculation rules. Provided is a household cash flow simulation device over time, which has a household cash flow display unit over time and a household cash flow display unit over time.

Next, as a second invention, a typical household model in which a default household attribute, which is a default household attribute, is given in order to simulate a household cash flow over time, which is a household cash flow, is used as a base household model. Provided is the time-dependent household cash flow simulation apparatus according to the first invention, which further includes a base household model information addition unit to be added to the information storage unit.

Next, as a third invention, it is stored in the base household model information storage unit to which the default household attribute, which is the default household attribute, is given in order to simulate the household cash flow over time, which is the household cash flow over time. Provided is the time-dependent household cash flow simulation apparatus according to the first invention or the second invention, which further has a base household model information correction unit for modifying the household attribute of the base household model information.

Next, as a fourth invention, a new base household that creates a new household attribute without a default household attribute and holds a new base household model that is a new base household model given the created new household attribute. A third from the first invention, which further has a model information holding unit, and the household model selection receiving unit is configured to also accept selection of the base household model information held in the new base household model information holding unit. The time-dependent household cash flow simulation apparatus according to any one of the inventions is provided.

Next, as a fifth invention, an asset calculation rule holding unit that holds an asset calculation rule, which is a rule for calculating a timely household asset, which is a timely household asset, based on a timely household cash flow, and a calculation A temporal household asset calculation unit that calculates temporal household assets based on the calculated temporal household cash flow and held asset calculation rules, and a temporal household asset display unit that displays the calculated temporal household assets. The time-dependent household cash flow simulation apparatus according to any one of the first to fourth inventions, further comprising

Next, as the sixth invention, the time-dependent invention described in the fifth invention, wherein the asset calculation rule holding unit has a means for holding a plurality of asset calculation rules according to the investment yield of the asset. Provide a household cash flow simulation device.

Next, as the seventh invention, the household attribute is described in any one of the first to sixth inventions, which is information indicating at least one or more of family composition, income, expenditure, education, housing, and financial assets. Provide a household cash flow simulation device over time.

Next, as the eighth invention, the time-dependent household according to any one of the first to seventh inventions, which further has a household attribute explanation display unit for displaying a general explanation of the household attribute when editing the household attribute. A cash flow simulation device is provided.

Next, as a ninth invention, the household attribute editorial department has a means for adding a new household attribute to the default household attribute, as described in any one of the first to eighth inventions over time. Provide a household cash flow simulation device.

Next, as a tenth invention, a base household, which is a typical household model in which a default household attribute, which is a default household attribute, is given to simulate a household cash flow over time, which is a household cash flow over time. A base household model information storage unit that stores multiple model information, a cash flow calculation rule holding unit that holds a cash flow calculation rule that calculates the household cash flow over time according to household attributes, and an edited household attribute. Alternatively, it is an operation method of a household attribute holding unit that holds unedited default household attributes for simulating household cash flow over time, and a household cash flow simulation device over time, and is one of the base household model information. Based on the base household model selection acceptance step that accepts the selection of, the household attribute edit step for accepting the editing of the household attribute of the selected base household model, and the retained household attribute and cash flow calculation rule over time. Provided is an operation method of a household cash flow simulation device over time having a household cash flow calculation step for calculating a household cash flow and a household cash flow display step for displaying the calculated household cash flow over time. ..

Next, as the eleventh invention, a base which is a typical household model in which the default household attribute, which is the default household attribute, is given in order to simulate the household cash flow over time, which is the household cash flow over time. A base household model information storage unit that stores multiple household model information, a cash flow calculation rule holding unit that holds a cash flow calculation rule that calculates the household cash flow over time according to household attributes, and an edited household. A method of operating a household cash flow simulation device over time that has a household attribute holding unit that holds attributes or unedited default household attributes for simulating household cash flow over time, and is one of the base household model information. Time elapsed based on the base household model selection acceptance step that accepts the selection, the household attribute edit step for accepting the edit of the household attribute of the selected base household model, and the retained household attribute and cash flow calculation rule. Operation of the household cash flow simulation device over time, which is a computer having a household cash flow calculation step over time for calculating the household cash flow over time and a household cash flow display step over time for displaying the calculated household cash flow over time. program.

INDUSTRIAL APPLICABILITY According to the present invention, it is possible to present a model cash flow that is accurate to some extent without relying on individual experience.

The figure which shows an example of the actual display screen of the base household model selection reception part of the household cash flow simulation apparatus with time in Embodiment 1. FIG. The figure which shows an example of the actual front screen of the time-lapse cash flow display part of the time-lapse household cash flow simulation apparatus in Embodiment 1. FIG. FIG. 6 is a functional block diagram showing an example of the configuration of the household cash flow simulation device over time according to the first embodiment. The conceptual diagram which shows the association between the cash flow calculation rule and the household attribute of the household cash flow simulation apparatus with time in Embodiment 1. FIG. FIG. 5 is a diagram showing an example of an actual display of the household attribute editorial unit of the household cash flow simulation device over time in the first embodiment. FIG. 5 is a diagram showing an example of an actual display of the household attribute editorial unit of the household cash flow simulation device over time in the first embodiment. FIG. 5 is a diagram showing an example of an actual display of the household attribute editorial unit of the household cash flow simulation device over time in the first embodiment. FIG. 5 is a diagram showing an example of an actual display of the household attribute editorial unit of the household cash flow simulation device over time in the first embodiment. FIG. 5 is a diagram showing an example of an actual display of the household attribute editorial unit of the household cash flow simulation device over time in the first embodiment. FIG. 5 is a diagram showing an example of an actual display of the household attribute editorial unit of the household cash flow simulation device over time in the first embodiment. The figure which shows an example of the hardware configuration of the household cash flow simulation apparatus with time in Embodiment 1. FIG. The flow diagram which shows an example of the processing flow of the household cash flow simulation apparatus with time in Embodiment 1. FIG. The functional block diagram which shows an example of the structure of the household cash flow simulation apparatus with time in Embodiment 1. FIG. The figure which shows an example of the hardware composition of the household cash flow simulation apparatus with time in Embodiment 1. FIG. The flow diagram which shows an example of the processing flow of the household cash flow simulation apparatus with time in Embodiment 1. FIG. The functional block diagram which shows an example of the structure of the household cash flow simulation apparatus with time in Embodiment 1. FIG. The figure which shows an example of the hardware composition of the household cash flow simulation apparatus with time in Embodiment 1. FIG. The flow diagram which shows an example of the processing flow of the household cash flow simulation apparatus with time in Embodiment 1. FIG. The functional block diagram which shows an example of the structure of the household cash flow simulation apparatus with time in Embodiment 1. FIG. The figure which shows an example of the hardware composition of the household cash flow simulation apparatus with time in Embodiment 1. FIG. The flow diagram which shows an example of the processing flow of the household cash flow simulation apparatus with time in Embodiment 1. FIG. The functional block diagram which shows an example of the structure of the household cash flow simulation apparatus with time in Embodiment 2. FIG. The figure which shows an example of the hardware configuration of the household cash flow simulation apparatus with time in Embodiment 2. FIG. FIG. 5 is a flow chart showing an example of a processing flow of the household cash flow simulation device over time in the second embodiment. The functional block diagram which shows an example of the structure of the household cash flow simulation apparatus with time in Embodiment 2. FIG. The figure which shows an example of the hardware configuration of the household cash flow simulation apparatus with time in Embodiment 2. FIG. FIG. 5 is a flow chart showing an example of a processing flow of the household cash flow simulation device over time in the second embodiment. FIG. 6 is a functional block diagram showing an example of the configuration of the household cash flow simulation device over time in the fourth embodiment. The figure which shows an example of the state in which the explanation about the household attribute of the household cash flow simulation apparatus over time is displayed in Embodiment 4. The figure which shows an example of the state in which the explanation about the household attribute of the household cash flow simulation apparatus over time is displayed in Embodiment 4. The figure which shows an example of the hardware composition of the household cash flow simulation apparatus with time in Embodiment 4. FIG. FIG. 5 is a flow chart showing an example of a processing flow of the household cash flow simulation device over time in the fourth embodiment. FIG. 5 is a functional block diagram showing an example of the configuration of the household cash flow simulation device over time according to the fifth embodiment. The figure which shows an example of the actual display of the new household attribute addition part of the household cash flow simulation apparatus with time in Embodiment 6. The figure which shows an example of the actual display of the new household attribute addition part of the household cash flow simulation apparatus with time in Embodiment 6. The figure which shows an example of the hardware configuration of the household cash flow simulation apparatus with time in Embodiment 5. FIG. 5 is a flow chart showing an example of a processing flow of the household cash flow simulation device over time in the fifth embodiment. A flow chart showing an example of a processing flow of an operation method of a household cash flow simulation device over time in the sixth embodiment and an example of a processing flow of an operation program of an operation program of the household cash flow simulation device over time in the seventh embodiment. ..

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. 1 to 4, claims 1 to 4, claims 5 to 6, embodiment 3 is claim 7, embodiment 4 is claim 8, embodiment 5 is claim 9, embodiment. 6 corresponds to claim 10, and embodiment 7 corresponds to claim 11. The present invention should not be limited to these embodiments, and may be implemented in various embodiments without departing from the gist thereof.

<Embodiment 1>
<Outline of Embodiment 1>
According to the invention of the present embodiment, the model cash flow can be displayed based on the selection of household attributes which are information such as default family composition and income stored in a plurality of base household models. By editing all or part of the default household attributes to the household attributes according to each user's situation, the cash flow is closer to the user's reality over time. It is a household cash flow simulation device.
The invention in this embodiment displays a model cash flow as shown in FIG. 2 by selecting a household model close to one's own household from the household model selection screen of the household cash flow simulation device over time shown in FIG. Can be done.

<Structure of Embodiment 1 Invention>
FIG. 3 is a diagram showing an example of the configuration of the household cash flow simulation device over time according to the first embodiment. As shown in FIG. 3, the time-dependent household cash flow simulation device (0300) of the first embodiment includes a base household model information storage unit (0301), a cash flow calculation rule holding unit (0302), and a base household model selection reception unit (0302). 0303), a household attribute editing unit (0304), a household attribute holding unit (0305), a household cash flow calculation unit over time (0306), and a household cash flow display unit over time (0307).

<Explanation of Embodiment 1 Configuration>
<Embodiment 1 Base household model information storage unit>
The "base household model information storage unit" is a typical household model in which the default household attribute, which is the default household attribute, is given to simulate the household cash flow over time, which is the cash flow of the household. Store multiple household model information. Given a household attribute is a concept that includes that the household attribute is associated with it. The base household model information is, for example, "20s family child-rearing (middle)", "30s family, home purchase (planned)", "50s family, second life preparation (middle)", "60s retirement, single", " This information is composed of the composition of the household, such as "the couple in their 60s,""the couple in their 70s, inheritance measures," and the events that affect the cash flow and asset formation of the household.
Therefore, if the "base household model information" is the base household model information of "family child-rearing (middle) in the 20s", by default, the cash flow pattern is basically a salaryman with an average income, and the wife He is a full-time housewife, has no income, and is expected to continue spending his education expenses in the near future. In this case, it is a model in which the cash flow fluctuates over time because it is expected that children will incur costs for entering kindergarten and elementary schools. Also, by default, both kindergartens and elementary schools may be set to be public.
In addition, if it is the base household model information of "30's family home purchase (planned)", the cash flow pattern is that the income source is the income of the husband who is the average Japanese salaryman (expected to raise the salary regularly). This is a short part of my wife's part, and she has two children and is still incurring educational expenses, so it will be a model to take a mortgage and buy a house in the near future.
According to the base household model information of "Inheritance measures for couples in their 70s", the cash flow pattern is that the couple's pension is the only source of income, and the income as cash flow does not fluctuate over time. However, when the assets are gradually transferred to children as an inheritance measure, the model is that the assets are reduced at the timing of the transfer.

Another possible model is a cash flow simulation for those left behind after the death of the family. For example, as base household model information for "preparing in case of emergency", when a situation occurs in which the household income suddenly decreases, such as when the head of household suddenly dies, after the death of the head of household. A model that simulates the amount of assets required to maintain a living after that by performing a cash flow simulation can be considered. In this case, if you do not secure a new source of income, it is expected that you will eventually have a negative asset situation, so the function to calculate the amount of life insurance required to prevent negative assets and how many families are left It will be a model that can perform a function to calculate whether you can live if you earn income from the above, and a simulation of household cash flow over time that combines asset management. Alternatively, for example, if you are an elderly person, you can calculate the inheritance amount that will occur after you disappear and the inheritance tax amount according to the inheritance amount as the base household model information for "preparing for the inheritance tax". How to leave the inherited property of the decedent required to pay the inheritance tax without burden, the amount of assets that the heir should prepare for inheritance tax measures, how to manage the assets to prepare, the assets that are prepared It will be a model that can simulate the household cash flow over time, such as how to operate.

<Implementation 1 Cash Flow Calculation Rule Holding Unit>
The “cash flow calculation rule holding unit” holds a cash flow calculation rule, which is a rule for calculating the household cash flow over time according to the household attribute.
The "cash flow calculation rule" is a rule for calculating future cash flow according to the characteristics of the household attribute given to the base household model information. This rule is based on, for example, food expenses, housing expenses, utilities expenses, furniture expenses, clothing expenses, health expenses, transportation expenses, education expenses, education expenses, medical expenses, etc. Amusement costs, water costs, household expenses, footwear costs, communication costs, daily necessities costs, and other costs change over time or do not change over time based on statistical sources, etc. It is stipulated as. For example, if the food cost per adult is set, the food cost of the household is calculated depending on how many adults are included in the family structure. In addition, housing costs are set based on statistical sources according to the family structure. For example, if the family structure is a single person living alone, the average rent of a studio apartment is the housing cost, but if the family structure is the couple, the parents, and two children, the average rent of about 3LDK to 4LDK is the housing cost. It becomes. In addition, this cash flow calculation rule is not individually distinguished such as food expenses, housing expenses, etc. For example, if the family composition of the couple and two children, the overall expenses are statistics. The expense of this degree may be held as a rule. For example, as a family structure, living alone, a couple without children, a couple with one child, a couple with two children, one's parents and one couple and one child, one's parents and one couple and two children, one one parent and one couple and one child, The rule may be such that spending and income cash flows are given over time to all editable family structures, such as one parent, a couple, and two children.
Further, not only the family structure but also the attribute of the household may be a rule in which the cash flow of expenses and income is given over time for all editable patterns.
Therefore, the cash flow calculation rule may be given for all editable household attributes, or the editable attributes and the cash flow over time for each family member of the household are given, and the household's cash flow is calculated. The cash flow can be obtained by adding these, or can be configured to be obtained by modifying the added result.
Modifying the added result means multiplying the added cash flow by a constant or adding or subtracting a constant. Further, this constant may be configured to change with the passage of time.
The cash flow calculation rule in the household cash flow simulation device over time is a rule that calculates the household cash flow over time according to the household attributes. Therefore, if a household model is selected, the household attributes given to the household model will be used. Therefore, the household cash flow over time can be calculated in consideration of the circumstances such as expenses and income that typically occur.

The cash flow calculation rule may be a rule that reflects the characteristics of the region. For example, it may be a support system for local governments provided by each local government, or a rule that reflects the tax rate. Alternatively, it is conceivable to make a rule that reflects the regional average of household cash flow such as income, its rate of increase, living expenses and its rate of increase. In addition, the rules may reflect a deduction system such as tax credit. For example, when purchasing a house using a mortgage, it is conceivable to configure the cash flow simulation to reflect the tax credit amount of the mortgage deduction.

The cash flow calculation rule is a function of time associated with the household model. As shown in FIG. 4, for example, when the household model is a family in their thirties, A3, B2, C3, D1, and E1 are given as household attributes. The household attribute A3 is associated with a time function of fa3 (t), the household attribute B2 is associated with a time function of fb2 (t), and the household attribute C3 is associated with fc3 (t). The time function is associated with, the household attribute D1 is associated with the time function fd1 (t), and the household attribute E1 is associated with the time function fe1 (t). At this time, the cash flow calculation rule can be expressed by a time function of fa3 (t) [fb2 (t) + .... fe1 (t)].
As will be described later, when the household attribute is edited, for example, the household attribute of A3 is changed to A5, and fa5 (t), which is a function of the time associated with the household attribute A5, is adopted as the cash flow calculation rule. become. The cash flow calculation rule in this case is expressed as fa5 (t) [fb2 (t) + .... fe1 (t)] according to the above example. As will be described later, when the household attribute is added, the household attribute F4 is newly added, and ff4 (t), which is a function of the time associated with F4, is added to the cash flow calculation rule. When the cash flow calculation rule in this case is expressed according to the above example, it becomes fa3 (t) [fb2 (t) + ... fe1 (t) + ff4 (t)].
The cash flow calculation rule shown in the figure is just one example, and can be configured by other time functions.

Specifically, the event that will occur in the future according to the household attribute and the income (cash in) or / and expenditure (cash out) that will occur according to the event are defined, and will be the base according to the household attribute. Average income (cash in) and expenditure (cash out) are set. Therefore, when a household model is selected, the average income and expenditure that is the basis of the household attribute given to that household model is superimposed on the income and expenditure that are given to that household attribute according to future events. This makes it possible to create a graph with the time axis as one axis and the cash flow as the other axis, and a correlation chart between time and cash flow.
For example, if the household attribute of the base household model information of "20s family child-rearing (middle)" is selected, for example, the income will be an average salaryman over the next 30 years, the wife will be a full-time housewife, and the income will be the base income and expenditure. In the near future (for example, three years later), a continuous expense event for education expenses (for example, incurred for children's kindergarten entrance expenses, incurred for elementary school expenses, incurred one-off expenses for taking an examination, etc.) Considering the fact that it is expected to start and end 20 years later (until university graduation), there is a rule to calculate cash flow over time by superimposing spending events from 3 years on the base income and expenditure. , Cash flow calculation rule This is a cash flow calculation rule held in the holding unit.

For example, if the household attribute of the base household model information of "30's family home purchase (planned)" is entered, the income source is the income of the husband who is the average salaryman in Japan (expected to raise the salary regularly). It is a short part of my wife, and based on this, I have two children, education expenses are still incurred, and I will get a mortgage and buy a house in the near future. A rule for calculating cash flow over time by superimposing both in consideration of an event is a cash flow calculation rule held in a cash flow calculation rule holding unit. The household attributes given to the household model are preferably composed of family composition, income, expenditure, education, housing, financial assets, and the like. And, as an example, in the "family in their thirties", the family composition is that the head of the household is 35 years old, the current occupation is a company employee (large company), spouse (yes, 35 years old), and the current occupation of the spouse is a housewife. , With 2 children, 5 and 3 years old. The attributes of income are the annual income of the head of the household is 5.6 million yen, the annual increase rate is 1%, the retirement age is 60 years old, the retirement allowance is 22.8 million yen, there is no spouse's income, the pension is the amount of the standard household, and the retirement age as other income. It costs 2.7 million yen every year from the age of 61 to 65 due to reemployment after retirement. As for the attributes of expenditure, living expenses are 290,000 yen per month, monthly living expenses after retirement is 300,000 yen, the rate of increase in living expenses is 1%, insurance premiums are paid 300,000 yen per year and continue until the age of 60, and others. As an expense, if you purchase a car (including replacement by purchase) every 8 years, it is 2 million yen every 8 years from 40 to 70 years old. As an attribute of education, both the first child and the second child are sent to the national and public schools from kindergarten to high school, and to private schools at the university. As for the attributes of the house, it is a rental property, the rent (including common service fee, etc.) is 1.2 million yen per year, there is a plan to purchase this house, the purchase time is one year later, the property price is 33 million yen, the down payment is 3 million yen. Yen, miscellaneous expenses 3 million yen, borrowing amount 35 years, borrowing interest rate 2%, housing related expenses (property tax, etc.) 100,000 yen. The attributes of financial assets are financial assets of 12 million yen and investment interest rates of 3% and 5%.

<Embodiment 1 Base household model selection reception section>
The "base household model selection reception unit" accepts selection of any of the base household model information. Multiple base household models are stored, depending on the number of default household attributes and the combination of events that affect household cash flow and wealth formation. In order to perform a household cash flow simulation over time, it is necessary to specify which household attribute is used to create and display cash flow. The base household model selection reception unit selects the base household model for which it is desired to display the model cash flow, and accepts the content of the selection.
FIG. 1 is an example of a screen in which the base household model reception unit is actually displayed on the monitor interface. As shown in the figure, multiple base household models are displayed in a list as a menu, and the information for distinguishing each base household model indicates what kind of base household model the base household model shown in the menu shows. It is conceivable to configure it so that you can see at a glance whether it is. The specific information for distinguishing the multiple base household models is not limited to the example in the figure, and should be displayed so as to convey what kind of household the base household model is targeted for. I don't mind. In addition, as shown in the example of the figure, it is advisable to display a combination of illustrations so that the image of the base household model can be easily seen.
When the selection of the base household model is accepted, it is preferable that the screen is switched to the base household display screen as shown in FIGS. 5 to 10 so that the detailed household attributes of the base household model can be seen. FIG. 5 is an example of a display screen of household attributes related to the family structure. FIG. 6 is an example of a display screen of household attributes related to income. FIG. 7 is an example of a display screen of household attributes related to expenditure. FIG. 8 is an example of a display screen of household attributes related to education. FIG. 9 is an example of a display screen of household attributes related to a house. FIG. 10 is an example of a display screen of household attributes related to financial assets. From now on, unless it is known what kind of household attributes are used to create and display the model cash flow, the parties performing the cash flow simulation cannot recognize the deviation from their actual information. This is because it is difficult to imagine that something needs to be done for the future based on cash flow simulation. The switched base household display screen illustrated in the figure can be configured as a screen common to the household attribute editorial unit described later.

<Embodiment 1 Household Attribute Editorial Department>
The "household attribute editorial department" accepts editing of household attributes of the selected household model. The household attribute is composed of the default household attribute or the edited household attribute edited to the default household attribute as described later. Household attributes refer to information on family structure, income, expenditure, education, housing, financial assets, and the like. 5 to 10 are examples of screens in which the household attribute editorial unit is actually displayed on the monitor interface. The household attribute editorial department edits the household attribute by changing the information given by default for each item of the household attribute based on the input information.

<Information about family structure>
FIG. 5 is an example of a screen in which the household attribute editing unit that edits the household attribute related to the family structure is actually displayed on the monitor interface. Information on the family structure is, for example, information such as the gender of the head of household, the occupation of the head of household, the presence or absence of a spouse, the occupation of spouse, the age of spouse, the age of children, the gender of children, and the like. Although the figure illustrates a state in which an item (0501) to be selected and input from the pull-down menu and an item (0502) to be directly input are mixed, a plurality of input methods may be mixed. As a method of inputting information, pull-down menu method, direct input method (selection by touching the screen, input by keyboard, input by handwriting, voice input, etc.), reading of external information (information described in the attached sheet as a photograph) It is conceivable to import, scan and import the information described in the attached sheet, acquire the information held in the server that can be connected via the network via the network, etc.).

In the example of the figure, the following editing method is shown. As the gender of the head of household, it is possible to edit whether it is male or female by selecting the display of either male or female. The age of the head of household can be edited by directly entering the age in the age entry box using the numeric keypad or the dial of numbers. The value that can be entered as the age of the head of household is assumed to be 18 to 120 years old, but other ranges can be set. The occupation of the head of household can be edited by selecting from the office workers (large companies), office workers (small and medium-sized enterprises), civil servants, and self-employed, which are displayed as options in the pull-down menu related to the current occupation. With or without a spouse, you can edit the presence or absence of a spouse by switching the display of the presence or absence of a spouse. If you have a spouse, a frame for entering the age of the spouse will be displayed, and just like editing the age of the head of the household, you can directly enter the age using the numeric keypad or the number dial in the frame for entering the age. You can edit by entering. The value that can be entered as the age of the spouse is assumed to be 16 to 120 years old, but other ranges can be set. If you have a spouse, the spouse's occupation is among the office workers (large companies), office workers (small and medium-sized enterprises), civil servants, and self-employed, which are displayed as options in the pull-down menu for the current occupation. You can edit by selecting from. The number of children can be edited by switching the display with and without children. If there is a child, a frame for entering the age of the child will be displayed, and in the same way as editing the age of the head of the household, enter the age directly in the frame for entering the age using the numeric keypad or the number dial. You can edit by doing. The value that can be entered as the age is assumed to be 0 to 100 years old, but a range other than this can be set.

<Information about income>
FIG. 6 is an example of a screen in which the household attribute editing unit that edits household attributes related to income is actually displayed on the monitor interface. Income information is, for example, benefits paid by satisfying certain conditions such as household income (income amount for each income earner), annual income increase rate, retirement age, retirement allowance amount, pension, etc. Information about, etc. As a method of inputting information, as described in the part related to the household sequel of the family structure, a plurality of methods such as a pull-down menu method and a direct input method can be considered.

In the example of the figure, the following editing method is shown. As the annual income of the household, for the information on the annual income of the head of the household, such as annual income, rate of increase, retirement age, and retirement allowance, directly enter the values in the frame for entering each value using the ten key or the dial of the number. You can edit by doing. The numerical value that can be entered as the annual income is assumed to be 0 yen or more and 999,990,000 yen or less, but it is also possible to configure so that a numerical value of 999,990,000 yen or more can be input. The numerical value that can be input as the rate of increase is assumed to be 0% or more and 40% or less, but it is also possible to configure so that a numerical value of 40% or more can be input. The numerical value that can be entered as the retirement age is assumed to be 20 to 120 years old, but a different range can be set. The value that can be entered as retirement allowance is assumed to be 0 yen or more and 999,990,000 yen or less, but it is also possible to configure so that a value of 999,990,000 yen or more can be entered. Regarding the spouse's income and the spouse's annual income information, the same information as the householder's annual income information can be edited in the same way and within the scope. Shows whether the household that is trying to simulate the household cash flow over time is a standard household, a double-income household, a single person, a retired person (if he / she is already a pensioner), or a self-employed person. Select from. As information on other income, edit by selecting the event that causes the cell that generates income from reemployment, corporate pension, maturity insurance, rent, etc., which are displayed as options in the pull-down menu. Do. The frequency of earning income is displayed as an option in the pull-down menu. Only once every year, every two years, every three years, every four years, every five years, every six years, every seven years, every eight years, nine. Editing is performed by selecting from yearly and 10-yearly. In addition, you can directly enter the age from the age of which you can earn other income by using the numeric keypad or the number dial in the frame for entering the beginning age and the ending age. You can edit by inputting. The age that can be entered is 18 to 120 years old, but different ranges can be set. The amount of money to be earned as other income can be edited by directly inputting the amount of other income using the numeric keypad or the number dial in the frame for inputting the amount of money to be earned. The numerical value that can be input as the amount of income is assumed to be 0 yen or more and 999,990,000 yen or less, but it is also possible to configure so that a numerical value of 999,990,000 yen or more can be input.

<Information on spending>
FIG. 7 is an example of a screen in which the household attribute editing unit that edits household attributes related to expenditure is actually displayed on the monitor interface. Information on expenditures is information on living expenses, insurance premiums, other expenditures, and the like. As a method of inputting information, as described in the part related to the household sequel of the family structure, a plurality of methods such as a pull-down menu method and a direct input method can be considered.

In the example of the figure, the following editing method is shown. As living expenses, you can edit living expenses, living expenses after retirement (monthly), and the numerical value of the rate of increase by directly entering them in the frame for entering each value using the numeric keypad or the dial of numbers. The numerical value that can be entered as living expenses is assumed to be 0 yen or more and 99.99 million yen or less, but it is also possible to enter a numerical value of 99.999 million yen or more. The numerical value that can be entered as the living expenses (month) after retirement is assumed to be 0 yen or more and 99.99 million yen or less, but it is also possible to enter a numerical value of 99.999 million yen or more. The numerical value that can be input as the rate of increase is assumed to be 0% or more and 40% or less, but it is also possible to configure so that a numerical value of 40% or more can be input. As for insurance premiums, you can edit by directly entering the numerical values using the numeric keypad or the number dial in the frame for entering the annual insurance premiums. The numerical value that can be entered as an insurance premium is assumed to be 0 yen or more and 999,990,000 yen or less, but it is also possible to configure so that a numerical value of 999,990,000 yen or more can be entered. Edit whether the insurance type is whole life or non-whole life by selecting the display other than whole life / whole life. In the case of whole life, the item to edit the age of the insured is not displayed. In the case of other than whole life, the item to edit the age of the insured is displayed, and you can edit by directly entering the age using the numeric keypad or the number dial in the age input frame. You can. The value that can be entered as the age is assumed to be 18 to 120 years old, but other ranges can be set. Other spending includes event names that indicate events that cause other spending as pull-down menu options Car purchase, travel, marriage support, children-related, real estate-related, elderly home admission fees, etc. Edit by selecting from. In addition, the frequency of spending is displayed as a pull-down menu option. Only once every year, every two years, every three years, every four years, every five years, every six years, seven years. Editing is done by selecting from every 8 years, every 9 years, every 10 years. Editing can be done by directly entering the age using the numeric keypad or the number dial in the frame for entering the start age and end age, which specifies the period of expenditure. The age that can be entered is 18 to 120 years old, but different ranges can be set. The amount of money to be earned as other income can be edited by directly inputting the amount of other income using the numeric keypad or the number dial in the frame for inputting the amount of money to be earned. The numerical value that can be input as the amount of income is assumed to be 0 yen or more and 999,990,000 yen or less, but it is also possible to configure so that a numerical value of 999,990,000 yen or more can be input.

<Information about education>
FIG. 8 is an example of a screen in which the household attribute editing unit that edits household attributes related to expenditure is actually displayed on the monitor interface. The information on education is, for example, information on whether the child is enrolled in or will be enrolled in a national or private school as information on the tuition fee of the child. As a method of inputting information, as described in the part related to the household sequel of the family structure, a plurality of methods such as a pull-down menu method and a direct input method can be considered.

In the example of the figure, the following editing method is shown. Items for the first child and items for the second private are displayed according to the number of children selected in the family structure. The figure shows the case of having two children. For each child's curriculum, kindergarten, elementary school, junior high school, high school, and college, select only the curriculum that you are or will be attending that is needed to calculate your cash flow. For the selected curriculum, it is possible to choose whether to enroll in a national or public school, enroll in a private school, or enroll in a private school.

<Information about housing>
FIG. 9 is an example of a screen in which the household attribute editing unit that edits household attributes related to expenditure is actually displayed on the monitor interface. For information on housing, first of all, the form of ownership of the house, whether it is a rental house or a house you can get, and if it is a rent, the monthly rent, if you plan to buy a house in the future, if you have a plan Information on housing when changing from rent to ownership, such as purchase time, property price, down payment, miscellaneous expenses, borrowing amount, borrowing period, borrowing interest rate, housing-related expenses, etc. .. As a form of ownership of a house, if it is owned, the loan modification amount, the remaining repayment period, the consignment-related expenses, the scheduled remodeling time, the expenses, etc. are the information related to the house. Information on financial assets is information such as the amount of financial assets and the investment interest rate. As a method of inputting information, as described in the part related to the household sequel of the family structure, a plurality of methods such as a pull-down menu method and a direct input method can be considered.

In the example of the figure, the following editing method is shown. First, editing is performed by selecting whether the property is for rent or the house has already been purchased from the display of rented / already purchased house. In the case of rent, you can edit by directly entering the numerical value using the numeric keypad or the number dial in the frame for entering the annual rent (including common service fee etc.). The numerical value that can be entered as rent (including common service fee, etc.) is assumed to be 0 yen or more and 9.99 million yen or less, but it is also possible to configure so that a numerical value of 9.99 million yen or more can be entered. Edit by selecting whether or not you plan to purchase a house in the future from the display with or without. If you plan to purchase, enter the values of purchase time, property price, down payment, overheads, borrowing amount, borrowing period, borrowing interest rate, and housing-related expenses (property tax) in the numeric keypad and numbers. Editing can be done by directly inputting numerical values using the dial. The value that can be entered as the purchase time is assumed to be 1 year or more and 60 years or less, but it is possible to set a different range. The numerical value that can be entered as the property price is assumed to be 10,000 yen to 999,990,000 yen, but it is also possible to configure so that a numerical value of 999,999,000 yen or more can be entered. The numerical value that can be entered as a down payment is assumed to be 0,000 to 999,990,000 yen, but it is also possible to configure it so that a value of 999,990,000 yen or more can be entered. The numerical values that can be entered as miscellaneous expenses are assumed to be 0,000 to 999,990,000 yen, but it is also possible to configure so that 999,990,000 yen or more can be entered. The numerical value that can be entered as the borrowing amount is assumed to be 10,000 yen to 99,999,990,000 yen, but it is also possible to configure so that a value of 9,999,999,000 yen or more can be entered. The number that can be entered as the borrowing period is assumed to be 1 year or more and 60 years or less, but different ranges can be set. The value that can be entered as the borrowing interest rate is assumed to be 0% or more and 40% or less, but it is also possible to configure it so that a value of 40% or more can be entered. Numerical values that can be entered as entrustment-related expenses (property tax, etc.) are assumed to be 0 to 99.99 million yen, but it is also possible to configure so that numerical values of 99.999 million yen or more can be entered. ..

<Information related to financial assets>
FIG. 10 is an example of a screen in which the household attribute editing unit that edits household attributes related to expenditure is actually displayed on the monitor interface. Information related to financial assets is, for example, information such as the amount of financial assets and the investment interest rate. As a method of inputting information, as described in the part related to the household sequel of the family structure, a plurality of methods such as a pull-down menu method and a direct input method can be considered.

In the example of the figure, the following editing method is shown. The amount of financial assets can be edited by directly entering the numerical value using the numeric keypad or the number dial in the frame for entering the current amount of financial assets. The numerical value that can be entered as the amount of financial assets is assumed to be 10,000 yen to 999,990,000 yen, but it is also possible to configure so that a numerical value of 999,999,000 yen or more can be entered. The investment interest rate can be edited by directly entering the numerical value in the frame for entering the investment interest rate using the numeric keypad or the dial of numbers. The numerical value that can be input as the luck rate is assumed to be 0% or more and 40% or less, but it is also possible to configure so that a numerical value of 40% or more can be input.

<Implementation 1 Household Attribute Holding Unit>
The “household attribute holding unit” holds edited or unedited default household attributes for simulation of household cash flow over time. Household attributes are associated with cash flow calculation rules, which are a function of time. As described above, the cash flow simulation is performed based on the cash flow calculation rule and the household attribute (default household attribute or edited household attribute which is an edited household attribute).
For example, the household attributes that are retained are that the head of the household is male, 35 years old, the current occupation is an employee of a large company, there is a spouse, and the current occupation of the spouse is large. The company employee and two children are currently 5 years old and 3 years old. This defines the family structure of the users who perform the simulation. In addition, the household attributes that define the user's household are retained with respect to household attributes for income, household attributes for expenditure, household attributes for education, household attributes for housing, household attributes for financial assets, and the like.

<Example 1 Household cash flow calculation unit over time>
The “household cash flow calculation unit over time” calculates the household cash flow over time based on the retained household attributes and the cash flow calculation rule. A cash flow simulation is performed by calculating the household cash flow over time based on the household attribute held by the household attribute holding unit and the cash flow calculation rule held by the cash flow calculation rule holding unit.
Even if only some household attributes are edited, or even if household attributes are added, by combining the default household attribute information and the edited household attribute information, the household over time based on the edited contents The cash flow can be calculated.

<Implementation 1 Household cash flow display unit over time>
The “household cash flow display unit over time” displays the calculated household cash flow over time. The household cash flow over time calculated by the household cash flow calculation unit over time is displayed on the monitor interface.
FIG. 2 is an example of a screen in which the household cash flow over time is actually displayed. As shown in the figure, the vertical axis (0201) of the graph indicates the amount of savings, deposits, annual income, expenditures, and the like. The horizontal axis (0202) of the graph indicates the age, the Christian era, the Japanese calendar, the number of years elapsed, and the like in order to show the change over time. Graphs with multiple meanings may be displayed at the same time. In the figure, the savings amount (0203) (as will be described later, when displaying a plurality of graphs according to the investment yield, a plurality of graphs (0203, 0203a, 0203b) showing the savings amount are displayed as shown in the figure. It may be.), Annual income (0204), and expenditure amount (0205) are shown. In addition to this, it is conceivable to graph the deposit amount, if multiple incomes are possible, graph by income cause, or if there are multiple regular expenditures, graph by expenditure cause. Be done. In the figure, the most notable amount of cash flow is displayed in the center of the screen using a line graph to highlight the amount of savings to maintain future life, and other income and expenditures are displayed in the line graph. It is configured to be displayed at the bottom of the screen as a bar graph so as not to interfere with the display. In this case, the amount of income and expenditure displayed in contact with the horizontal axis does not fall below 0 yen, so it does not penetrate below the horizontal axis. On the other hand, the amount of savings may be less than 0 yen and may be negative (that is, the person is spending more than the amount of income even though there is no amount of savings). When displaying a minus, it is necessary to penetrate the horizontal axis, which makes the entire display difficult to understand. Therefore, it is preferable that the vertical axis is provided with scales having different meanings on the left and right so as to have multiple scales. For example, the amount of income and expenditure is displayed using the scale (0206) on the right vertical axis with the horizontal axis as 0 yen, and for things that can be negative, such as the amount of savings, than the horizontal axis. A scale of 0 yen is provided above, and a scale (0201) on the left vertical axis is used to display the scale below it as a negative numerical value. In this case, in order to make it easy to understand the reference position of the 0 yen on the vertical axis, it is preferable to draw a horizontal line (0207) with a line different from the horizontal axis.
The combination of how to display a plurality of graphs does not have to be limited to the above-mentioned example, and it is possible to obtain a line graph, all bar graphs, and other graph formats. Further, in FIG. 2, the horizontal axis showing the change over time shows the age from 35 to 64 years, but the actual age is not limited to this age range, and the simulation is performed from 0 to 100 years or older. It is possible to display (Since it is not necessary to simulate up to an age such as 130 years, which exceeds the human life span, it is sufficient if it is possible to display up to 120 years, but there is no upper limit. It is also possible to display).
Although the drawings are expressed in one color for convenience, it is preferable to display the differences between the items in each graph in an easy-to-understand manner by color-coding each item.

<Embodiment 1 Hardware Configuration>
FIG. 11 is a diagram showing a hardware configuration of the first embodiment. As shown in this figure, the present invention can basically be composed of a general-purpose computer, a program, and various devices. The operation of a computer basically takes the form of loading a program recorded in a non-volatile memory into the main memory and executing processing in the main memory, the CPU, and various devices. Communication with the device is done via an interface connected to the bus line.
As shown in this figure, the hardware configuration of the first embodiment is also in the non-volatile memory, the base household model information storage program, the cash flow calculation rule holding program, the base household model selection reception program, the household attribute editing program, the household attribute holding program, A time-dependent household cash flow calculation program and a time-dependent household cash flow display program are held, and these programs are executed based on execution instructions of a series of programs. As data, various setting information such as default household attribute, base household model information, cash flow calculation rule, selection base household model information, edited household attribute, household attribute, temporal household cash flow, communication (not shown), etc. are non-volatile. It is held in the sex memory, loaded in the main memory, and referenced and used when executing a series of programs. In this computer, the non-volatile memory, the main memory, the CPU, and the interface are connected to the bus line so that they can communicate with each other.

<Example 1 Processing flow>
FIG. 12 is a diagram showing the most basic processing flow in the household cash flow simulation apparatus over time according to the first embodiment. As shown in the figure, the base household model information storage step (1201), the cash flow calculation rule holding step (1202), the base household model selection reception step (1203), the household attribute editing step (1204), and the household attribute holding step (1205). ), The household cash flow calculation step over time (1206), and the household cash flow display step over time (1207).

<Embodiment 1 Other Configuration>
<Embodiment 1 Base household model information addition section>
As shown in FIG. 13, in addition to the configuration of FIG. 3, it is possible to configure the base household model information addition unit (1301). The "Base Household Model Information Addition Department" is based on a typical household model in which the default household attribute, which is the default household attribute, is given to simulate the household cash flow over time, which is the cash flow of the household. Add to the model information storage. In addition to the already stored base household model, yet another typical household model is added to the base household model information storage unit as the base household model information.
As shown in FIG. 14, the hardware configuration when the base household model information addition unit is provided is added to the base household model information addition program (1401) and the base household model information storage unit in addition to the hardware configuration of FIG. Has information on a typical household model (1402).
As shown in FIG. 15, the processing flow when the base household model information addition unit is included includes the base household model information addition step (1501) in addition to the processing flow of FIG.

<Embodiment 1 Base Household Model Information Correction Department>
As shown in FIG. 16, in addition to the configuration of FIG. 3 or 13, it is possible to configure the base household model information correction unit (1601). The "base household model information correction unit" is stored in the base household model information storage unit to which the default household attribute, which is the default household attribute, is given in order to simulate the household cash flow over time, which is the household cash flow over time. Correct the household attributes of the base household model information. The base household model information is modified by changing the information such as the numerical value of each item of the household attribute given as the household attribute of the already stored base household model. The base household model information is modified by changing the content described in the item related to family composition given as the household attribute of the household model.
As shown in FIG. 17, the hardware configuration when the base household model information correction unit is provided includes the base household model information correction program (1701) and the base household model information storage in addition to the hardware configuration of FIG. 11 or FIG. It has the information of the correction information (1702) for correcting the base household model information stored in the unit.
As shown in FIG. 18, the processing flow when the base household model information correction unit is provided includes the base household model information correction step (1701) in addition to the processing flow of FIG. 12 or FIG.

<Embodiment 1 New Base Household Model Information Holding Department>
As shown in FIG. 19, in addition to the configuration of any one of FIGS. 3, 13, and 16, it is possible to configure the new base household model information holding unit (1901). The "new base household model information holding unit" creates a new household attribute without the default household attribute, and holds a new base household model which is a new base household model given the created new household attribute. The household model selection reception unit also accepts selection of base household model information held in the new base household model information holding unit. Therefore, it is also configured to be able to display the cash flow over time based on the individual attribute without going through the editing of the household attribute for the model cash flow.
As shown in FIG. 20, the hardware configuration when the new base household model information holding unit is provided is a new base household model information holding program in addition to the hardware configuration of any one of FIGS. 11, 14, and 17. It has information on (2001), a new household attribute (2002) which is a newly created household attribute without a default household attribute, and new base household model information (2003) to which a new household attribute is given.
As shown in FIG. 21, the processing flow when the new base household model information holding unit is provided is the new base household model information holding step in addition to the processing flow of any one of FIGS. 12 or 15 and 18. (2101).

<Embodiment 2>
<Outline of Embodiment 2 Invention>
The invention in the present embodiment is configured so that household assets can be calculated in addition to the cash flow over time of the first embodiment.

<Structure of Embodiment 2 Invention>
FIG. 22 is a diagram showing an example of the configuration of the household cash flow simulation device over time according to the second embodiment. As shown in the figure, the household cash flow simulation apparatus over time according to the second embodiment includes a base household model information storage unit (2201), a cash flow calculation rule holding unit (2202), a base household model selection reception unit (2203), and a household. Attribute editorial department (2204), household attribute holding unit (2205), household cash flow calculation unit over time (2206), household cash flow display unit over time (2207), asset calculation rule holding unit (2208), household assets over time It has a calculation unit (2209) and a household asset display unit over time (2210). Hereinafter, the description of the configuration common to the first embodiment will be omitted, and the configuration characteristic of the present embodiment will be described.

<Explanation of Embodiment 2 Configuration>
<Example 2 Asset calculation rule holding unit>
The “asset calculation rule holding unit” holds an asset calculation rule, which is a rule for calculating household assets over time, which is household assets over time, based on household cash flow over time. Assets use the concept of negative assets as well as positive ones. Therefore, if future assets are shown as negative, it means that they must borrow the amount. This will give you an opportunity to think about what you need for future asset formation.
For example, when calculating assets on a yearly basis, assets in the Nth year are assets in the N-1 year + income in the Nth year-expenditure in the Nth year + asset fluctuations in the Nth year. Is calculated.

<Embodiment 2 Household Asset Calculation Department over time>
The “Household Asset Calculation Department over time” calculates household assets over time based on the calculated household cash flow over time and the assets calculation rules held. The calculated household cash flow over time includes both the case of cash flow up to the final year in which the calculation is scheduled and the case of cash flow up to that point including the Nth year for which asset calculation is desired. Household assets over time are calculated by applying the asset calculation rules held in the asset calculation rules to the values of income and expenditure for a certain year, which are specifically calculated by household cash flow over time.

<Embodiment 2 Household Asset Display Unit over Time>
The “household asset display unit over time” displays the calculated household assets over time. The historical assets calculated by the household heritage calculation unit over time are displayed on the monitor interface.
FIG. 2 is also an example of an actual screen displaying household assets over time on a monitor interface. As shown in the figure, a line graph (0203) shown in the figure (as described later, when displaying a plurality of graphs according to the investment yield, a graph showing the amount of savings (0203, 0203a, 0203b) as shown in the figure. ) May be displayed more than once.) Indicates household assets over time. The bar graph shown at the bottom of the figure shows the cash flow. As illustrated in the figure, it is preferable that the cache and the asset can be displayed at the same time.

<Embodiment 2 Hardware Configuration>
As shown in FIG. 23, the hardware configuration of the second embodiment is also a non-volatile memory, a base household model information storage program, a cash flow calculation rule holding program, a base household model selection reception program, a household attribute editing program, a household attribute holding program, The temporal household cash flow calculation program, the temporal household cash flow display program, the asset calculation rule holding program, the temporal asset calculation program, and the temporal household asset display program are held, and are based on the execution command of a series of programs. These programs are executed. The data includes default household attributes, base household model information, cash flow calculation rules, selection-based household model information, edited household attributes, household attributes, household cash flow over time, asset calculation rules, household assets over time, and not shown. Various setting information such as communication is held in the non-volatile memory, loaded in the main memory, and referred to and used when executing a series of programs. In this computer, the non-volatile memory, the main memory, the CPU, and the interface are connected to the bus line so that they can communicate with each other.

<Example 2 Processing flow>
FIG. 24 is a diagram showing the most basic processing flow in the household cash flow simulation apparatus over time according to the second embodiment. As shown in the figure, a base household model information storage step (2401), a cash flow calculation rule holding step (2402), a base household model selection reception step (2403), a household attribute editing step (2404), and a household attribute holding step (2405). ), Household cash flow calculation step over time (2406), Household cash flow display step over time (2407), Asset calculation rule holding step (2408), Household asset calculation step over time (2409), Household asset display step over time (2409) 2410) and.

<Embodiment 2 Other Configuration>
<Embodiment 2 Asset calculation rule holding means by investment yield>
In addition to the configuration described in any one of the configurations described in the first embodiment or the second embodiment, as shown in FIG. 25, the asset calculation rule holding means (2501) by investment yield is provided.
The “asset calculation rule holding means by investment yield” is a means possessed by the asset calculation rule holding unit, and is a means for holding a plurality of asset calculation rules for each asset management yield. The asset management method is, for example, stocks, FX, deposits, corporate bonds, government bonds, futures trading, and the like. The investment yield differs depending on the investment method. For example, in the case of shares, if company A has a dividend of 3 yen per share, and if it is a person B, the dividend is 5 yen per share, and if the price of one share is 100 yen, company A The investment yield of Company B will be 3%, and the investment yield of Company B will be 5%. For example, in the case of deposits, the fixed deposit method is 0.5%, and the ordinary deposit method is 0.3%, and the investment yields are different. In this embodiment, when calculating assets based on a cash flow simulation for each household, it is possible to display household assets over time that reflect the yield when the assets are used for management. Further, when there are a plurality of investment yields, it is possible to display the change in assets for each yield or when the investment yields are distributed and used. FIG. 9 is an example of a state in which the asset calculation rule holding means for each investment yield is actually displayed on the monitor interface. It is configured so that you can enter the amount of financial assets and enter multiple investment interest rates. FIG. 2 is an example of a monitor interface that displays household cash flow over time. As shown in the figure, a method of displaying using a line graph in which the type of line is different for each investment yield can be considered. The higher the investment yield, the higher the risk, so by looking at the cash flow and the assets by investment yield at the same time, it becomes easier to select the investment yield that suits your cash flow.
The most basic hardware configuration when the asset calculation rule holding means for each investment yield is provided is illustrated in FIG. As shown in the figure, in addition to any one of the hardware configurations shown in the first to second embodiments, the asset calculation rule holding program by investment yield (2601) and the investment yield (2602). ).
The most basic processing flow when the asset calculation rule holding means for each investment yield is provided is illustrated in FIG. 27. As shown in the figure, in addition to any one step of the processing flow shown in the first to second embodiments, in the asset calculation rule holding step, the asset calculation rule holding sub-step (2701) by investment yield. Has.

<Outline of Embodiment 3>
The invention of the present embodiment indicates at least one or more of family composition, income, expenditure, education, housing, and financial assets in the content of household information in the household cash flow simulation apparatus over time according to the first or second embodiment. Use as information.

<Structure of Embodiment 3 Invention>
Set by default as a household attribute, or edit and enter a household attribute so that the content of the information includes at least one or more of family structure, income, expenditure, education, housing, and financial assets.

<Embodiment 4>
<Outline of Embodiment 4>
The invention in the present embodiment has a function of displaying a general explanation of what kind of content is shown for each item of the household attribute, in addition to the configurations of the first to third embodiments. ..

<Structure of Embodiment 4 Invention>
FIG. 28 is a diagram showing an example of the configuration of the household cash flow simulation device over time according to the fourth embodiment. As shown in the figure, the household cash flow simulation device over time according to the second embodiment includes a base household model information storage unit (2801), a cash flow calculation rule holding unit (2802), a base household model selection reception unit (2803), and a household. It has an attribute editing unit (2804), a household attribute explanation display unit (2805), a household attribute holding unit (2806), a household cash flow calculation unit over time (2807), and a household cash flow display unit over time (2808). Hereinafter, the description of the configuration common to the first to third embodiments will be omitted, and the configuration characteristic of the present embodiment will be described.

<Implementation 4 Household attribute explanation display unit>
The “household attribute explanation display unit” displays a general explanation of the household attribute when editing the household attribute. The explanation is not specific to the household cash flow over time, but a general explanation. When you don't know what kind of numbers to enter and edit, you can use the contents of the household attribute explanation as a clue to help you estimate the actual numbers in your life. The purpose is to prevent editing using appropriate numbers without knowing what it means when it is unclear. Therefore, the value of the household attribute adopted in the cash flow calculation rule is displayed by using a general explanation.
It is conceivable that the edit items of household attributes include items such as "family structure", "income", "expenditure", "education", "housing", and "financial assets" as major categories. Household attributes related to the item of "income" include, for example, the composition of households such as living expenses, living expenses after retirement, rate of increase, and insurance premiums. Among them, for example, if the household attribute of "living expenses" is displayed with an explanation of the household attributes, the meaning of the living expenses is generally explained as "2014 Ministry of Internal Affairs and Communications Annual Household Survey (Household Income and Expenditure) 1 household". Per stickiness Average monthly living expenses of 240,000 yen derived from income and expenditure (ordinary consumption expenditure excluding worker households, education-related expenses, housing expenses, etc. among households with two or more people) It is conceivable to display a description. Alternatively, if the household attribute explanation is displayed for the household attribute of "rate of increase", the average value of the rate of increase in living expenses derived from the "2013 Average Consumer Price Index (Comprehensive) Year-on-Year, Statistics Bureau, Ministry of Internal Affairs and Communications" , 0.4% per year ”may be displayed.
It is conceivable that the household attribute explanation display unit is displayed on the monitor interface as shown in FIGS. 29a and 29b. If the general explanation of the household attribute is always displayed, the items for which the household attribute should be edited cannot be displayed on a limited screen, the listability is impaired, and the editing work is performed. It becomes difficult. Therefore, in the basic state where the household attribute edit screen is displayed, the general explanation of the household attribute is not displayed, and for example, the "reference" mark displayed on the left and right of each household attribute item is selected. Therefore, it is preferable to configure it so that a general explanation of household attributes is displayed.

<Embodiment 4 Hardware Configuration>
As shown in FIG. 30, the hardware configuration of the fourth embodiment is also stored in the non-volatile memory, the base household model information storage program, the cash flow calculation rule holding program, the base household model selection reception program, the household attribute editing program, and the household attribute explanation display program. , A household attribute retention program, a temporal household cash flow calculation program, and a temporal household cash flow display program are retained, and these programs are executed based on the execution instructions of a series of programs. The data includes default household attributes, base household model information, cash flow calculation rules, selection-based household model information, edited household attributes, household attributes, general explanations of household attributes, household cash flow over time, communications not shown, etc. Various setting information and the like are held in the non-volatile memory, loaded in the main memory, and referred to and used when executing a series of programs. In this computer, the non-volatile memory, the main memory, the CPU, and the interface are connected to the bus line so that they can communicate with each other.

<Example 4 Processing flow>
FIG. 31 is a diagram showing the most basic processing flow in the household cash flow simulation apparatus over time according to the fourth embodiment. As shown in the figure, a base household model information storage step (3101), a cash flow calculation rule holding step (3102), a base household model selection reception step (3103), a household attribute editing step (3104), and a household attribute explanation display step (3104). 3105), a household attribute holding step (3106), a household cash flow calculation step over time (3107), and a household cash flow display step over time (3108).

<Embodiment 5>
<Outline of Embodiment 5>
The invention of the present embodiment can add a new household attribute to the selected default household attribute.

<Structure of Embodiment 5>
FIG. 32 is a diagram showing an example of the configuration of the household cash flow simulation device over time according to the fifth embodiment. As shown in the figure, the household cash flow simulation device over time according to the fifth embodiment includes a base household model information storage unit (3201), a cash flow calculation rule holding unit (3202), a base household model selection reception unit (3203), and a household. It has an attribute editing unit (3204), a new household attribute adding means (3205), a household attribute holding unit (3206), a household cash flow calculation unit over time (3207), and a household cash flow display unit over time (3208). Hereinafter, the description of the configuration common to the first to fourth embodiments will be omitted, and the configuration characteristic of the present embodiment will be described.

<Embodiment 5 New household attribute addition means>
The "means for adding new household attributes" is possessed by the household attribute editorial department, and new household attributes are added to the default household attributes. Household attributes given by default need to be items that are generally common to everyone, such as family structure, income, spending, education, housing, and financial assets. However, some people may earn income from rent income, some may earn a certain amount of income from a side job, some may bear a certain amount of expenditure, and some may be ill. There are regular high medical expenses, some people are often transferred and moving costs are regularly incurred, some people are remodeling to take care of their parents' old age, etc. In addition, there is a possibility of cash generated for personal reasons. In order to reflect the unique circumstances of an individual in the cash flow simulation over time, it is preferable to configure the situation so that the unique circumstances of an amorphous individual can be input.
33a and 33b are diagrams showing an example in which the new household attribute adding means is actually displayed on the monitor interface. In FIG. 33a, there are other expenditure frames such as "car purchase", "every 8 years", "40 to 70 years old", and "2 million yen" as default household attributes. What is entered as the default household attribute shows the expenditure at that time because if you own a car, you will buy a new one on a regular basis. Below the other expenditures, there is a "+" mark (3301a), and by selecting this, an input frame for other expenditures is added. The added frame is shown as the other expenditure event name 2 (3301b) in FIG. 33b, as a blank frame, the expenditure item selection unit (3302b), the expenditure frequency selection unit (3303b), and the expenditure. The period (3304b) in which the above occurs and the specific amount of expenditure (3305b) are prepared, and the content to be added as a new household attribute is input here. "In the new household attribute addition means, use the pull-down menu to select the applicable item from the menu of individual circumstances, if there is one, and if there is no applicable item, select other items, monthly income or monthly. It is preferable to configure the expenditure to be input. The numerical value may be input by a pull-down menu or may be configured to be directly input.

<Embodiment 5 Hardware Configuration>
As shown in FIG. 34, the hardware configuration of the fifth embodiment is also a non-volatile memory, a base household model information storage program, a cash flow calculation rule holding program, a base household model selection reception program, a household attribute editing program, and a new household attribute addition program. , A household attribute retention program, a temporal household cash flow calculation program, and a temporal household cash flow display program are retained, and these programs are executed based on the execution instructions of a series of programs. The data includes various settings such as default household attributes, base household model information, cash flow calculation rules, selection-based household model information, edited household attributes, household attributes, new household attributes, household cash flow over time, and communications not shown. Information and the like are held in the non-volatile memory, loaded into the main memory, and referred to and used when executing a series of programs. In this computer, the non-volatile memory, the main memory, the CPU, and the interface are connected to the bus line so that they can communicate with each other.

<Example 5 Processing flow>
FIG. 35 is a diagram showing the most basic processing flow in the household cash flow simulation apparatus over time according to the fifth embodiment. As shown in the figure, base household model information storage step (3501), cash flow calculation rule holding step (3502), base household model selection acceptance step (3503), household attribute editing step (3504), new household attribute addition sub-step (3505), a household attribute holding step (3506), a household cash flow calculation step over time (3507), and a household cash flow display step over time (3508).

<Embodiment 6>
<Outline of Embodiment 6>
Base household model that stores multiple base household model information, which is a typical household model given the default household attribute, which is the default household attribute, to simulate the household cash flow over time. The information storage unit, the cash flow calculation rule holding unit that holds the cash flow calculation rule, which is the rule for calculating the household cash flow over time according to the household attribute, and the edited household attribute or the unedited default household attribute. The present invention relates to an operation method of a household cash flow simulation device over time, which has a household attribute holding unit for simulating household cash flow over time.

<Structure of Embodiment 6 Invention>
FIG. 36 is a flow chart showing an example of an operation method of the household cash flow simulation device over time in the present embodiment. As shown in the figure, it includes a base household model selection reception step (3601), a household attribute editing step (3602), a time-lapse household cash flow calculation step (3603), and a time-lapse household cash flow display step (3604).

<Explanation of Embodiment 6 Configuration>
<Embodiment 6 Base household model selection reception step>
The “base household model selection acceptance step” is a step for accepting selection of any of the base household model information.

<Embodiment 6 Household attribute editing step>
The “household attribute editing step” is a step for accepting editing of the household attribute of the selected household model.

<Embodiment 6 Household cash flow calculation step over time>
The “household cash flow calculation step over time” is a step for calculating the household cash flow over time based on the retained household attributes and the cash flow calculation rule.

<Embodiment 6 Household cash flow display step over time>
The “household cash flow display step over time” is a step for displaying the calculated household cash flow over time.

<Embodiment 7>
<Outline of Embodiment 7>
The invention in this embodiment is a base household model information which is a typical household model to which a default household attribute, which is a default household attribute, is given in order to simulate a household cash flow over time, which is a household cash flow over time. A base household model information storage unit that stores a plurality of households, a cash flow calculation rule holding unit that holds a cash flow calculation rule that is a rule for calculating household cash flow over time according to household attributes, and an edited household attribute or edit. The present invention relates to a program for operating a method of operating a household cash flow simulation device over time, which has a household attribute holding unit that holds default household attributes that have not been set for simulation of household cash flow over time.

<Structure of Embodiment 7>
FIG. 33 is also a flow chart showing an example of processing of a program of the operation method of the household cash flow simulation device over time in the present embodiment. As shown in the figure, it includes a base household model selection reception step (3301), a household attribute editing step (3302), a time-lapse household cash flow calculation step (3303), and a time-lapse household cash flow display step (3304). Hereinafter, description thereof will be omitted because the configuration is common to that of the sixth embodiment.

<Other Embodiments>
The household cash flow simulation device over time may be configured so that the contents of edited household attributes edited by the individual who performed the cash flow simulation can be saved and reloaded. Furthermore, by linking with CRM, the administrator or / and provider of the household cash flow simulation device over time can acquire and correct the data of the edited household attributes of the individual who performed the cash flow simulation. It may be configured as follows.

<Other Embodiments>
The household cash flow simulation device over time is a device for the purpose of calculating the cash flow of a household over time, and focuses on calculating an individual's cash flow.
However, by setting the base corporate model, etc. instead of the base household model and configuring the cash flow calculation rules as those for the corporation, while maintaining the same configuration as the chronological household cash flow simulation system device, the finance of the corporation. It is also possible to provide a device for simulating cash flow regarding a situation.

In conventional cash flow simulation, it is difficult for individuals to imagine possible future events in detail and enter necessary information, so the future of necessary insurance and pensions that require specialized knowledge. There is a shortage in information input such as estimation of the amount received, fluctuations in interest rates that may occur in the future, fluctuations in real estate value, etc., resulting in a simulation result with a considerably large fluctuation range, and it is dangerous to use it as effective information. It was. However, by using the present invention, it is possible to obtain a simulation result with considerably high accuracy by inputting information within a range that can be input by an individual without requiring specialized knowledge.

0301 Base household model storage unit 0302 Cash flow calculation rule holding unit 0303 Base household model selection reception unit 0304 Household attribute editing department 0305 Household attribute holding unit 0306 Time-lapse household cash flow calculation unit 0307 Time-lapse household cash flow display unit

Claims (10)

Base household model information, which is a typical household model in which the default household attribute, which is the default household attribute, is given to simulate the household cash flow over time, which is the cash flow of the household, and is the base household model. It is paid by satisfying certain conditions such as default family composition and household income (income amount for each income earner), annual income increase rate, retirement age, retirement allowance amount, pension, etc. that on the basis of the selection of the household attribute is information related benefits, in shall the Ki out to display the model cash flow, all or some households attributes corresponding to each of the status of the user from the default household attributes A base household model information storage unit that stores multiple base household model information that can bring the cash flow closer to the user's reality by changing it by modification.
A cash flow calculation rule holding unit that holds a cash flow calculation rule, which is a rule for calculating household cash flow over time according to household attributes,
The base household model selection reception department that accepts the selection of any of the base household model information,
A household attribute editorial department for accepting edits of household attributes of the selected base household model,
A household attribute holder that holds edited or unedited default household attributes for simulation of household cash flow over time,
A household cash flow calculation unit over time that calculates household cash flow over time based on the retained household attributes and cash flow calculation rules, and a household cash flow calculation unit over time.
A household cash flow display unit over time that displays the calculated household cash flow over time,
The household attribute of the base household model information stored in the base household model information storage unit to which the default household attribute, which is the default household attribute, is given to simulate the household cash flow over time, which is the household cash flow over time. A household cash flow simulation device over time that has a base household model information correction unit to be corrected. A base household model that adds a typical household model given the default household attribute, which is the default household attribute, to the base household model information storage to simulate the household cash flow over time. The time-dependent household cash flow simulation apparatus according to claim 1, further comprising an information addition unit. It also has a new base household model information holding unit that creates a new household attribute without the default household attribute and holds a new base household model that is a new base household model given the created new household attribute.
The time-dependent household cash flow simulation according to claim 1 or 2, wherein the base household model selection reception unit is configured to also accept selection of base household model information held in the new base household model information holding unit. apparatus. An asset calculation rule holding unit that holds an asset calculation rule, which is a rule for calculating household assets over time, which is household assets over time, based on household cash flow over time.
A household asset calculation unit over time that calculates household assets over time based on the calculated household cash flow over time and the asset calculation rules that are held,
A household asset display unit over time that displays the calculated household assets over time,
The time-dependent household cash flow simulation apparatus according to any one of claims 1 to 3, further comprising. The time-dependent household cash flow simulation device according to claim 4, wherein the asset calculation rule holding unit has a means for holding a plurality of asset calculation rules for each asset management yield. The time-dependent household cash flow simulation apparatus according to any one of claims 1 to 5, wherein the household attribute is information indicating at least one or more of family composition, income, expenditure, education, housing, and financial assets. The time-dependent household cash flow simulation apparatus according to any one of claims 1 to 6, further comprising a household attribute explanation display unit that displays a general description of the household attribute when editing the household attribute. The time-dependent household cash flow simulation device according to any one of claims 1 to 7, wherein the household attribute editorial department has a new household attribute addition means for adding a new household attribute to the default household attribute. Base household model information, which is a typical household model in which the default household attribute, which is the default household attribute, is given to simulate the household cash flow over time, which is the cash flow of the household, and is the base household model. It is paid by satisfying certain conditions such as default family composition and household income (income amount for each income earner), annual income increase rate, retirement age, retirement allowance amount, pension, etc. that on the basis of the selection of the household attribute is information related benefits, in shall the Ki out to display the model cash flow, all or some households attributes corresponding to each of the status of the user from the default household attributes A base household model information storage unit that stores multiple base household model information that can bring the cash flow closer to the user's reality by changing it by modification.
A cash flow calculation rule holding unit that holds a cash flow calculation rule, which is a rule for calculating household cash flow over time according to household attributes,
A household attribute holder that holds edited or unedited default household attributes for simulation of household cash flow over time,
Is a method of operating a household cash flow simulation device over time, which has
The base household model selection acceptance step that accepts the selection of any of the base household model information, and
A household attribute edit step to accept edits to the household attributes of the selected base household model,
A household cash flow calculation step over time that calculates household cash flow over time based on the retained household attributes and cash flow calculation rules, and a household cash flow calculation step over time.
A household cash flow display step over time that displays the calculated household cash flow over time, and
The household attribute of the base household model information stored in the base household model information storage unit to which the default household attribute, which is the default household attribute, is given to simulate the household cash flow over time, which is the household cash flow over time. How to operate a household cash flow simulation device over time with a base household model information modification step to modify. Base household model information, which is a typical household model in which the default household attribute, which is the default household attribute, is given to simulate the household cash flow over time, which is the cash flow of the household, and is the base household model. It is paid by satisfying certain conditions such as the default household income (income amount for each income earner), annual income increase rate, retirement age, retirement allowance amount, pension, etc. based on the selection of the household attribute is information related benefits, in shall the Ki out to display the model cash flow, modified in whole or in part in household attributes corresponding to each of the status of the user from the default household attributes A base household model information storage unit that stores a plurality of base household model information that can bring the cash flow closer to the user's reality by changing by
A cash flow calculation rule holding unit that holds a cash flow calculation rule, which is a rule for calculating household cash flow over time according to household attributes,
A household attribute holder that holds edited or unedited default household attributes for simulation of household cash flow over time,
The household attribute of the base household model information stored in the base household model information storage unit to which the default household attribute, which is the default household attribute, is given to simulate the household cash flow over time, which is the household cash flow over time. A method of operating a household cash flow simulation device over time that has a base household model information correction step to be corrected.
The base household model selection acceptance step that accepts the selection of any of the base household model information, and
A household attribute edit step to accept edits to the household attributes of the selected base household model,
A household cash flow calculation step over time that calculates household cash flow over time based on the retained household attributes and cash flow calculation rules, and a household cash flow calculation step over time.
A household cash flow display step over time that displays the calculated household cash flow over time, and
An operation program of a household cash flow simulation device over time, which is a computer with.

Images