{
  "title": "Monatskonto",
  "url": "https://kapitalrechner.cloud/monatskonto/",
  "rows": [
    {
      "key": "income",
      "title": {
        "de": "Einnahmenzeile",
        "en": "Income line"
      },
      "leitfrage": {
        "de": "Welche sicheren Zuflüsse stehen dem Monat wirklich zur Verfügung?",
        "en": "Which reliable inflows are actually available for the month?"
      },
      "boundary": {
        "de": "Unregelmäßige oder unsichere Zuflüsse getrennt notieren.",
        "en": "Record irregular or uncertain inflows separately."
      },
      "tools": [
        {
          "key": "monthly-cashflow",
          "title": {
            "de": "Monats-Cashflow-Rechner",
            "en": "Monthly cash flow calculator"
          },
          "url": "https://kapitalrechner.cloud/tools/monats-cashflow-rechner/"
        },
        {
          "key": "household-budget",
          "title": {
            "de": "Haushaltsbuch-Rechner",
            "en": "Household budget calculator"
          },
          "url": "https://kapitalrechner.cloud/tools/haushaltsbuch-rechner/"
        },
        {
          "key": "budget-runway",
          "title": {
            "de": "Budget-Runway",
            "en": "Budget runway"
          },
          "url": "https://kapitalrechner.cloud/tools/budget-runway/"
        }
      ]
    },
    {
      "key": "fixed-costs",
      "title": {
        "de": "Fixkostenblock",
        "en": "Fixed-cost block"
      },
      "leitfrage": {
        "de": "Welche Beträge sind vor dem ersten variablen Euro bereits gebunden?",
        "en": "Which amounts are already committed before the first variable euro?"
      },
      "boundary": {
        "de": "Jahreskosten brauchen eine Monatsumlage, sonst wirkt der Monat zu glatt.",
        "en": "Annual costs need a monthly allocation or the month looks too smooth."
      },
      "tools": [
        {
          "key": "fixed-cost-ratio",
          "title": {
            "de": "Fixkostenquote-Rechner",
            "en": "Fixed cost ratio calculator"
          },
          "url": "https://kapitalrechner.cloud/tools/fixkostenquote-rechner/"
        },
        {
          "key": "debt-ratio",
          "title": {
            "de": "Schuldenquote-Rechner",
            "en": "Debt ratio calculator"
          },
          "url": "https://kapitalrechner.cloud/tools/schuldenquote-rechner/"
        }
      ]
    },
    {
      "key": "reserve",
      "title": {
        "de": "Liquiditätsreserve",
        "en": "Liquidity reserve"
      },
      "leitfrage": {
        "de": "Wie viele Monate tragen die liquiden Mittel nach Mindestkosten?",
        "en": "How many months do liquid funds cover after essential costs?"
      },
      "boundary": {
        "de": "Reserve ist Verfügbarkeit im Modell, kein Renditebaustein.",
        "en": "Reserve is availability in the model, not a return component."
      },
      "tools": [
        {
          "key": "emergency-fund",
          "title": {
            "de": "Notgroschen-Rechner",
            "en": "Emergency fund calculator"
          },
          "url": "https://kapitalrechner.cloud/tools/notgroschen-rechner/"
        },
        {
          "key": "reserve-rebuild",
          "title": {
            "de": "Notgroschen-Aufbau-Rechner",
            "en": "Emergency fund rebuild calculator"
          },
          "url": "https://kapitalrechner.cloud/tools/notgroschen-aufbau-rechner/"
        },
        {
          "key": "budget-runway",
          "title": {
            "de": "Budget-Runway",
            "en": "Budget runway"
          },
          "url": "https://kapitalrechner.cloud/tools/budget-runway/"
        }
      ]
    },
    {
      "key": "debt",
      "title": {
        "de": "Kredit- und Tilgungslinie",
        "en": "Credit and repayment line"
      },
      "leitfrage": {
        "de": "Deckt die Rate Zins und Tilgung oder wächst die Restschuld rechnerisch?",
        "en": "Does the payment cover interest and principal or does debt grow in the model?"
      },
      "boundary": {
        "de": "Vertragsbedingungen, Bonität und Gebühren bleiben außerhalb des Modells.",
        "en": "Contract terms, creditworthiness and fees stay outside the model."
      },
      "tools": [
        {
          "key": "loan",
          "title": {
            "de": "Kreditrechner",
            "en": "Loan calculator"
          },
          "url": "https://kapitalrechner.cloud/tools/kreditrechner/"
        },
        {
          "key": "loan-compare",
          "title": {
            "de": "Kreditvergleich-Rechner",
            "en": "Loan comparison calculator"
          },
          "url": "https://kapitalrechner.cloud/tools/kreditvergleich-rechner/"
        },
        {
          "key": "remaining-debt",
          "title": {
            "de": "Restschuld-Rechner",
            "en": "Remaining debt calculator"
          },
          "url": "https://kapitalrechner.cloud/tools/restschuld-rechner/"
        },
        {
          "key": "extra-payment",
          "title": {
            "de": "Sondertilgung-Rechner",
            "en": "Extra payment calculator"
          },
          "url": "https://kapitalrechner.cloud/tools/sondertilgung-rechner/"
        }
      ]
    },
    {
      "key": "real-value",
      "title": {
        "de": "Kaufkraftzeile",
        "en": "Purchasing-power line"
      },
      "leitfrage": {
        "de": "Welche Zahl bleibt nominal, welche wird auf heutige Kaufkraft zurückgerechnet?",
        "en": "Which figure stays nominal and which is discounted to today's purchasing power?"
      },
      "boundary": {
        "de": "Der eigene Warenkorb kann vom amtlichen Durchschnitt abweichen.",
        "en": "A personal basket can differ from the official average."
      },
      "tools": [
        {
          "key": "inflation",
          "title": {
            "de": "Inflationsrechner",
            "en": "Inflation calculator"
          },
          "url": "https://kapitalrechner.cloud/tools/inflationsrechner/"
        },
        {
          "key": "purchasing-power",
          "title": {
            "de": "Kaufkraft-Rechner",
            "en": "Purchasing power calculator"
          },
          "url": "https://kapitalrechner.cloud/tools/kaufkraft-rechner/"
        },
        {
          "key": "cost-growth",
          "title": {
            "de": "Kostensteigerung-Rechner",
            "en": "Cost growth calculator"
          },
          "url": "https://kapitalrechner.cloud/tools/kostensteigerung-rechner/"
        }
      ]
    },
    {
      "key": "scenario",
      "title": {
        "de": "Szenariospalte",
        "en": "Scenario column"
      },
      "leitfrage": {
        "de": "Welche vorsichtige, neutrale und hohe Annahme verändert das Ergebnis am stärksten?",
        "en": "Which conservative, neutral and high assumption moves the result most?"
      },
      "boundary": {
        "de": "Szenarien sind Rechenräume, keine Prognosen.",
        "en": "Scenarios are calculation ranges, not forecasts."
      },
      "tools": [
        {
          "key": "scenario-compare",
          "title": {
            "de": "Szenariovergleich-Rechner",
            "en": "Scenario comparison calculator"
          },
          "url": "https://kapitalrechner.cloud/tools/szenariovergleich-rechner/"
        },
        {
          "key": "fee-impact",
          "title": {
            "de": "Kostenquote-Rechner",
            "en": "Fee impact calculator"
          },
          "url": "https://kapitalrechner.cloud/tools/kostenquote-rechner/"
        },
        {
          "key": "target-capital",
          "title": {
            "de": "Zielkapital-Rechner",
            "en": "Target capital calculator"
          },
          "url": "https://kapitalrechner.cloud/tools/zielkapital-rechner/"
        }
      ]
    }
  ]
}