Family finance

Edit expenses_monthly.csv in Excel. Columns: scope, group, category, type, target, then one column per month (e.g. 2026-04). scope must be one of: Personal, JA, Vega. group is optional — fill it in to cluster related rows together (e.g., "School (Emi)", "Activities & arts"). Rows with the same group sit together with a small banner above. To add a month, append a new column with the YYYY-MM header. Save, refresh.

Edit card_spending.csv in Excel — add rows, save — refresh this page. Columns: date, card, description, amount, notes. card must be one of: AMEX, JAL, MILLENIUM, MUFJ, CASH, BANK. BANK is for bank withdrawals / auto-debits (mortgage, etc.).

Cash — out-of-pocket spending

Bank Withdrawals — auto-debits (mortgage, etc.)

• Cat costs — food, litter, vet, insurance — not yet incorporated. Need to estimate and add.
• "¥100k cash for living expenses" — concept not yet defined. Clarify whether this is in addition to or part of the ¥300k general living line.

Scenario: 2 sale events only (¥40M in 2027, ¥40M in 2029), Mia goes to medical school, Emi goes to standard Japan private university. Income halves from 2034.

Education cost assumptions: Mia medical school ¥10M/yr × 6 years (Apr 2032 → Mar 2038). Emi university ¥3.3M/yr × 4 years (Apr 2037 → Mar 2041) — projection captures her first 3 years.

What this projection shows

Starting from ¥50M today, savings build to a peak of ¥188M by end of 2033 (after both ¥40M sale events compound), then drop to a low of ¥149M by end of 2037 as medical school + halved income + Emi starting university collide. By end of 2039, when Emi has completed 3 years of university, savings recover to ~¥152M.

• Investment return: 4.5% blended. Picture is sensitive to this — at 3% the picture is meaningfully worse.
• Inflation: NOT modelled. Costs held flat in nominal terms. In reality, 2% inflation over 14 years compounds to ~30%, which would shave significant value off the ending wealth.
• Sale events assumed net-to-personal. If they actually arrive net-to-Japan-Advisor and need to be extracted via dividend or salary, real personal cash from events would be ~15–20% lower.
• Tuition assumptions: Mia ¥10M/yr × 6 medical (this is the high end — could be national medical at ¥3.5M total, in which case picture improves dramatically). Emi ¥3.3M/yr × 4 standard private uni.

Money for the kids — tax-efficient wealth transfer

All to be sanity-checked with the accountant.

4. Tax rules on adding cash to kids' bank accounts
   • Japan gift tax annual exemption is ¥1.1M per recipient
   • The 名義預金 (meigi yokin) issue: accounts in kids' names can be deemed parental assets at inheritance time if the parent retains effective control
   • Documentation (gift letters) and the child actually using/knowing about the account both matter
5. Stock for kids — viable post-Junior NISA?
   • Junior NISA was discontinued in 2024
   • No dedicated tax-advantaged investment account for minors in Japan currently
   • May be cleaner to hold stock in parent's name in a taxable account and gift later — confirm with accountant

From sale events through Japan Advisor (the company). Payments arrive net-of-tax into JA (the company). To be extracted to personal balance sheet via dividend or salary later — real personal cash will be lower than the headline ¥40M figure depending on extraction method.