{"—":"—","{0}":"{0}","% of opening balance plus interest":"開始残高の%＋利息","% of statement balance including interest":"利息を含む請求残高の%","$ {0}":"$ {0}","A negative saving means refinancing costs more. Simple break-even divides upfront costs by monthly savings, rounded up; it applies only while both loans would still run. It does not compare equity or sale proceeds. Lifetime savings compare both full remaining terms without discounting future money.":"節約額がマイナスの場合、借り換えのほうが費用がかかります。単純損益分岐点は初期費用を月間節約額で割り、切り上げた値です。両方のローンが返済中である期間にのみ適用されます。持分や売却代金は比較しません。全期間の節約額は、将来のお金を割り引かずに、両方のローンの残りの全期間を比較します。","A person with children under 25 cannot also be childless. Check the care-insurance choices.":"25歳未満の子どもがいる人は、子どもがいない人としても指定できません。介護保険の選択内容を確認してください。","A plan does not reduce the balance enough to pay it off within 1,200 months (after the promotion for a transfer). Its total cost and savings are not shown. Increase the payment.":"このプランでは残高が十分に減らず、1,200か月以内（残高移行の場合はキャンペーン終了後）に完済できません。総費用と節約額は表示されません。支払額を増やしてください。","Amortisation table — {0} payments":"返済予定表 — {0}回の支払い","Annual":"年払い","Annual APR (%)":"年APR（%）","Annual gross income ($)":"年間総収入（$）","Annual gross pay":"年間総支給額","Annual growth rate (%)":"年間成長率（%）","Annual mortgage rate (%)":"年間住宅ローン金利（%）","Annual property tax (% of price)":"年間固定資産税（価格に対する%）","Back-end total debt limit (%)":"総負債比率の上限（%）","Baden-Württemberg":"バーデン＝ヴュルテンベルク州","Balance ($)":"残高（$）","Balance after promotion ($)":"キャンペーン終了後の残高（$）","Bavaria":"バイエルン州","Berlin":"ベルリン州","Biweekly":"隔週","Biweekly (every two weeks)":"隔週（2週間ごと）","Brandenburg":"ブランデンブルク州","Bremen":"ブレーメン州","Care insurance (PV)":"介護保険（PV）","Cash amount":"現金額","Cash needed ($)":"必要な現金（$）","Cash needed is down payment plus estimated closing costs. It excludes moving costs, reserves and any prepaid items not included in your estimate. The example percentages do not establish eligibility for a loan.":"必要な現金は頭金と見積もり諸費用の合計です。引っ越し費用、予備資金、見積もりに含まれていない前払い項目は含みません。例示した割合は、ローンの利用資格を示すものではありません。","CFPB: debt-to-income planning guidelines":"CFPB：負債比率の計画ガイドライン","CFPB: minimum-payment disclosure requirements":"CFPB：最低支払額の開示要件","CFPB: private mortgage insurance":"CFPB：民間住宅ローン保険","Child allowances (Kinderfreibeträge)":"子ども控除（Kinderfreibeträge）","Children under 25 (care insurance)":"25歳未満の子ども（介護保険）","Choose a first payment date":"初回支払日を選択","Church member":"教会員","Church tax":"教会税","Closing costs (% of price)":"諸費用（価格に対する%）","Closing costs ($)":"諸費用（$）","Closing costs and points are paid upfront. Both loans use the same balance and fixed monthly principal-and-interest payments. Taxes, insurance, cash-out, penalties and financed fees are excluded.":"諸費用とポイントは前払いします。両方のローンで同じ残高と、元金・利息の固定月額返済を使用します。税金、保険、キャッシュアウト、違約金、ローンに組み込んだ手数料は含みません。","Closing costs excluding points ($)":"ポイントを除く諸費用（$）","Compare a balance transfer":"残高移行を比較","Compare down payments for the same home":"同じ住宅の頭金を比較","Compare mortgage refinancing":"住宅ローンの借り換えを比較","Conventional loans with less than 20% down commonly require private mortgage insurance (PMI), which protects the lender and adds to your costs.":"頭金が20%未満のコンベンショナルローンでは、通常、貸し手を保護する民間住宅ローン保険（PMI）が必要となり、費用が増えます。","Copy pay conversion":"給与換算をコピー","Current":"現在","Current annual rate (%)":"現在の年間金利（%）","Current APR (%)":"現在のAPR（%）","Current balance ($)":"現在の残高（$）","Current loan balance ($)":"現在のローン残高（$）","Daily":"日給","Doubling time at constant annual rates, in years":"年間金利が一定の場合の倍増期間（年）","Doubling time from a rate":"金利から倍増期間を計算","Down (%)":"頭金（%）","Down payment (%)":"頭金（%）","Down payment ($)":"頭金（$）","Each minimum is the larger of the chosen percentage rule and the floor, capped at the amount owed. Try 1% plus interest, or 2–3% of the statement balance. Interest is APR / 12 each month. No new spending or fees are included; use your card agreement for its actual rule.":"各回の最低支払額は、選択した割合ルールと最低額の大きいほうを基準とし、債務額を上限とします。1%＋利息、または請求残高の2–3%を試せます。毎月の利息はAPR / 12です。新たな利用や手数料は含みません。実際のルールについてはカード契約を確認してください。","Employee / month":"従業員 / 月","Employee / year":"従業員 / 年","Employer / month":"雇用主 / 月","Employer / year":"雇用主 / 年","Employer columns show social-insurance contributions only. They exclude accident insurance, levies and other employer costs. Church tax uses the PAP's child-adjusted base; church-tax caps and special church fees are excluded.":"雇用主の列には社会保険料のみが表示されます。労災保険、賦課金、その他の雇用主負担費用は含まれません。教会税にはPAPの子ども控除調整後の基礎額を使用し、教会税の上限額や特別教会費は含まれません。","Enter a positive rate or doubling time within the displayed limits.":"表示された範囲内で、正の金利または倍増期間を入力してください。","Enter a valid first payment date.":"有効な初回支払日を入力してください。","Enter a whole term from 1 to 1,200 months.":"1～1,200か月の整数で期間を入力してください。","Enter down payment as":"頭金の入力形式","Enter euros without thousands separators. Annual pay assumes regular earnings throughout the year. Use the state that applies to your payroll; cross-state arrangements may differ.":"ユーロ額は桁区切りなしで入力してください。年間給与は年間を通じて定期的な収入があることを前提としています。給与計算に適用される州を選択してください。州をまたぐ勤務形態では異なる場合があります。","Enter finite, non-negative values within the displayed limits.":"表示された範囲内で、有限かつ0以上の値を入力してください。","Enter valid amounts and choices. Use up to two decimal places and no thousands separators.":"有効な金額と選択肢を入力してください。小数点以下は2桁までとし、桁区切りは使用しないでください。","Equivalent hourly pay":"換算時給","Estimate for 2026; wage tax computed with the official PAP 2026; check your payslip":"2026年の概算。賃金税は公式のPAP 2026で計算しています。給与明細をご確認ください。","Estimate net pay":"手取り額を概算","Estimated cash needed ($)":"必要な現金の見積額（$）","Exact":"正確","Exact annual compounding (%)":"正確な年複利（%）","Exact annual compounding (years)":"正確な年複利（年）","Excluded: private health insurance, gross pay up to €2,000 per month (Minijobs and Midijobs), factor-method taxation, pensions, one-off payments and age relief.":"対象外：民間健康保険、月額総支給額が€2,000以下の給与（MinijobおよびMidijob）、ファクター方式による課税、年金、一時金、年齢控除。","Extra each month ($)":"毎月の追加額（$）","Extra every 12th payment ($)":"12回ごとの追加額（$）","Extras go towards principal with the scheduled payment. Yearly extras start at payment 12; a one-time extra after payoff has no effect. The regular payment is estimated from the balance and remaining term. No recasting, escrow or prepayment penalty is included.":"追加額は予定支払額とともに元金に充当されます。毎年の追加額は12回目の支払いから始まります。完済後の一時的な追加支払いは効果がありません。通常の支払額は残高と残存期間から見積もります。リキャスト、エスクロー、期限前返済違約金は含みません。","Factor-method taxation, pensions, one-off payments and age relief are outside this estimator's scope.":"ファクター方式による課税、年金、一時金、年齢控除はこの概算ツールの対象外です。","Federal state":"州","Find":"検索","First minimum payment ($)":"初回最低支払額（$）","First monthly payment breakdown":"初回月額支払いの内訳","First scheduled payment date":"初回予定支払日","Fixed monthly payment to compare ($)":"比較する固定月額支払額（$）","Fixed payment":"固定支払い","For rate r expressed as a decimal, exact years = ln(2) / ln(1 + r). Exact rate = 100 × (2^(1/years) − 1). The shortcuts divide 72, 70 or 69.3 by a percentage rate or by years. They are approximations; 69.3 is close to continuous compounding. Zero or negative growth does not double a positive balance. No contributions, fees or taxes are included.":"小数で表した金利rでは、正確な年数 = ln(2) / ln(1 + r)です。正確な金利 = 100 × (2^(1/years) − 1)です。簡易計算では72、70、69.3を割合金利または年数で割ります。これらは近似値であり、69.3は連続複利に近い値です。成長率が0または負の場合、正の残高は倍になりません。積立、手数料、税金は含みません。","From today until each loan is paid off":"今日から各ローンの完済まで","Front-end housing limit (%)":"住宅費比率の上限（%）","Fund's full Zusatzbeitrag (%)":"保険者の追加保険料の全額（%）","German gross-to-net estimator":"ドイツの総支給額・手取り額概算ツール","Gross pay":"総支給額","Gross pay (€)":"総支給額（€）","Gross pay by period, in the same currency":"同じ通貨での期間別総支給額","Gross pay in your currency":"自国通貨での総支給額","Hamburg":"ハンブルク州","Health insurance":"健康保険","Health insurance (KV)":"健康保険（KV）","Hesse":"ヘッセン州","HOA":"HOA","Home insurance":"住宅保険","Home price ($)":"住宅価格（$）","Hourly":"時給","Hourly to salary":"時給から年収へ","Hours actually worked per year":"年間実労働時間","How much house can I afford?":"購入できる住宅価格は？","I":"I","I am childless and aged 23 or over":"子どもがいない23歳以上です","II":"II","III":"III","Interest":"利息","Interest ($)":"利息（$）","Interest saved ($)":"節約できる利息（$）","Interest saved with fixed payment ($)":"固定支払いで節約できる利息（$）","Investor.gov: compound interest and the Rule of 72":"Investor.gov：複利と72の法則","Item":"項目","IV":"IV","Keep current card":"現在のカードを継続","Lifetime saving after fees ($)":"手数料後の全期間の節約額（$）","Loan":"ローン","Loan ($)":"ローン（$）","Loan amount ($)":"ローン額（$）","Loan term (months)":"ローン期間（か月）","Lower Saxony":"ニーダーザクセン州","Maximum home price ($)":"住宅価格の上限（$）","Mecklenburg-Western Pomerania":"メクレンブルク＝フォアポンメルン州","Minimum floor ($)":"最低額（$）","Minimum only":"最低額のみ","Minimum payments versus a fixed payment":"最低支払いと固定支払いの比較","Minimum percentage (%)":"最低割合（%）","Minimum-payment rule":"最低支払額のルール","Month":"月","Monthly":"月払い","Monthly amounts with all selected extras":"選択した追加額をすべて含む月額","Monthly HOA dues ($)":"月額HOA費（$）","Monthly home insurance ($)":"月額住宅保険料（$）","Monthly housing total ($)":"月額住宅費合計（$）","Monthly net estimate":"月額手取り概算","Monthly P&I ($)":"月額元金・利息（$）","Monthly payment in either plan ($)":"いずれかのプランの月額支払額（$）","Monthly payment to clear during promotion ($)":"キャンペーン期間中に完済するための月額支払額（$）","Monthly PITI ($)":"月額PITI（$）","Monthly PMI ($)":"月額PMI（$）","Monthly saving ($)":"月間節約額（$）","Months":"か月","Months saved":"短縮できる月数","Mortgage payoff planner":"住宅ローン完済プランナー","My income is regular salary without factor-method taxation, pension payments, one-off payments or age relief":"私の収入は、ファクター方式による課税、年金支給、一時金、年齢控除を含まない定期給与です","Net pay":"手取り額","New":"新規","New annual rate (%)":"新しい年間金利（%）","New payoff date":"新しい完済日","New term (months)":"新しい期間（か月）","New total interest ($)":"新しい総利息（$）","No":"いいえ","North Rhine-Westphalia":"ノルトライン＝ヴェストファーレン州","Not available":"利用不可","Not paid off":"未完済","Not reached during both terms":"両方の期間中には到達しません","Not tax advice.":"税務上の助言ではありません。","One-time extra payment ($)":"一時的な追加支払額（$）","One-time payment number":"一時的な支払い回数","Other monthly debt payments ($)":"その他の月間債務支払額（$）","Paid hours per week":"週あたり有給労働時間","Paid leave must leave some working time in the year.":"有給休暇を取得しても、年間に一定の労働時間が残る必要があります。","Paid public holidays (days per year)":"有給の祝日（年間日数）","Paid vacation (days per year)":"有給休暇（年間日数）","Paid weeks include paid holidays and vacation; subtract unpaid weeks before entering the figure. Enter paid leave days without overlap. Leave reduces hours actually worked, not gross pay. Weekly, biweekly and monthly views average annual pay over 52, 26 and 12 periods; semimonthly uses 24. Daily pay uses your entered working days per week.":"有給週には有給の祝日と休暇を含めます。入力前に無給の週を差し引いてください。有給休暇の日数は重複させずに入力してください。休暇によって実労働時間は減りますが、総支給額は減りません。週払い、隔週払い、月払いでは年間給与を52、26、12期間で平均します。半月払いでは24期間を使用します。日給は入力した週あたりの労働日数を使用します。","Paid weeks per year, including paid leave":"有給休暇を含む年間有給週数","Parents remain exempt from the childless surcharge even when their children are 25 or older. Children under 25 count separately for reductions from the second to the fifth child. Leave the childless box unticked if you are under 23.":"子どもが25歳以上になっても、親は子どもがいない人向けの加算の対象外です。25歳未満の子どもは、2人目から5人目までの減額にそれぞれ加算されます。23歳未満の場合は、子どもがいない人のチェックボックスを選択しないでください。","Pay and deductions in euros":"ユーロでの給与と控除","Pay and tax":"給与と税金","Pay per hour actually worked":"実労働時間あたりの給与","Pay period":"給与期間","Payment ($)":"支払額（$）","Payment number":"支払い回数","Payments and fees ($)":"支払いと手数料（$）","Payments remaining":"残りの支払い回数","Payoff comparison":"完済比較","Pension insurance (RV)":"年金保険（RV）","Percentage":"割合","Period":"期間","Plan":"プラン","Plan your down payment":"頭金を計画","PMI":"PMI","Points (% of loan balance)":"ポイント（ローン残高に対する%）","Post-promotion APR (%)":"キャンペーン終了後のAPR（%）","Principal":"元金","Principal ($)":"元金（$）","Private — outside scope":"民間 — 対象外","Private health insurance is outside this estimator's scope.":"民間健康保険はこの概算ツールの対象外です。","Promotional APR (%)":"キャンペーンAPR（%）","Promotional months":"キャンペーン期間（月）","Property tax":"固定資産税","Rate (%)":"金利（%）","Rate from a doubling time":"倍増期間から金利を計算","Regular monthly P&I ($)":"通常の月額元金・利息（$）","Related pay calculators":"関連する給与計算ツール","Remaining mortgage balance ($)":"残りの住宅ローン残高（$）","Remaining term (months)":"残存期間（か月）","Results":"結果","Rhineland-Palatinate":"ラインラント＝プファルツ州","Rule of 69.3":"69.3の法則","Rule of 69.3 (%)":"69.3の法則（%）","Rule of 69.3 (years)":"69.3の法則（年）","Rule of 70":"70の法則","Rule of 70 (%)":"70の法則（%）","Rule of 70 (years)":"70の法則（年）","Rule of 72":"72の法則","Rule of 72 (%)":"72の法則（%）","Rule of 72 (years)":"72の法則（年）","Saarland":"ザールラント州","Salary to hourly":"年収から時給へ","Saving with transfer ($)":"残高移行による節約額（$）","Saxony":"ザクセン州","Saxony-Anhalt":"ザクセン＝アンハルト州","Schleswig-Holstein":"シュレースヴィヒ＝ホルシュタイン州","Semimonthly":"半月ごと","Semimonthly (twice a month)":"半月ごと（月2回）","Simple break-even (months)":"単純損益分岐点（か月）","Social insurance":"社会保険","Solidarity surcharge":"連帯付加税","Statutory":"公的","Target doubling time (years)":"目標倍増期間（年）","Tax class":"税クラス","The CARD Act added minimum-payment disclosures. Subject to exceptions, credit card statements show a minimum-payment warning, estimated payoff time and total cost, and a three-year repayment comparison. This estimate is not an issuer's statutory disclosure.":"CARD Actにより、最低支払額の開示が追加されました。例外を除き、クレジットカードの請求書には、最低支払額に関する警告、完済までの推定期間と総費用、3年間で返済する場合との比較が表示されます。この見積もりは、発行会社が法令に基づいて開示するものではありません。","The default Zusatzbeitrag is the 2026 average of 2.9%. Enter your fund's full rate; you and your employer each pay half. This estimate assumes statutory pension and unemployment insurance.":"初期設定の追加保険料は、2026年の平均である2.9%です。加入先の全料率を入力してください。あなたと雇用主がそれぞれ半額を負担します。この概算は、公的年金保険と失業保険を前提としています。","The down payment cannot exceed the home price.":"頭金は住宅価格を超えられません。","The editable 28% / 36% defaults are a commonly cited conventional planning guideline, not lender rules. Housing includes principal, interest, property tax, insurance, HOA and the PMI amount you enter. PMI is not removed automatically at 20% down.":"変更可能な28% / 36%の初期値は、一般に引用されるコンベンショナルな計画ガイドラインであり、貸し手のルールではありません。住宅費には、元金、利息、固定資産税、保険、HOA、入力したPMI額が含まれます。頭金が20%になっても、PMIは自動的には解除されません。","The transfer fee is added to the balance and receives the same APR. Interest is APR / 12 on the opening monthly balance, before payment. The post-promotion APR starts the month after the promotional period. No new purchases, annual fees or missed payments are included.":"残高移行手数料は残高に加算され、同じAPRが適用されます。利息は支払い前の月初残高に対するAPR / 12です。キャンペーン終了後のAPRは、キャンペーン期間の翌月から適用されます。新たな購入、年会費、支払い遅延は含みません。","These limits leave no affordable purchase with the entered down payment and housing costs. Reduce other debts or costs, or revise the income and limits.":"これらの上限では、入力した頭金と住宅費で購入可能な物件がありません。その他の債務や費用を減らすか、収入と上限を見直してください。","This estimator does not model the transition range. Monthly gross must be above €2,000; Minijobs and Midijobs are excluded.":"この概算ツールでは移行範囲を計算しません。月額総支給額は€2,000を超えている必要があります。MinijobとMidijobは対象外です。","Thuringia":"テューリンゲン州","Total deductions / contributions":"控除 / 保険料合計","Total interest ($)":"総利息（$）","Total paid ($)":"支払総額（$）","Total paid includes the original debt, interest and the transfer fee where applicable. A negative saving means the transfer costs more. The promotion payoff payment is rounded up to the next cent; actual card interest and payment rules can differ.":"支払総額には、元の債務、利息、該当する場合は残高移行手数料が含まれます。節約額がマイナスの場合、残高移行のほうが費用がかかります。キャンペーン期間中に完済するための支払額は、次の1セント単位に切り上げています。実際のカードの利息や支払ルールは異なる場合があります。","Transfer balance":"移行残高","Transfer fee (%)":"移行手数料（%）","Transfer fee ($)":"移行手数料（$）","UK take-home pay":"英国の手取り給与","Unemployment insurance (AV)":"失業保険（AV）","Upfront costs and points ($)":"初期費用とポイント（$）","US paycheck after tax":"米国の税引き後給与","Use the child allowance count on your tax record. It affects solidarity surcharge and church tax, not wage tax. It is not used in classes V and VI.":"税務記録に記載された子ども控除の人数を使用してください。これは連帯付加税と教会税に影響しますが、賃金税には影響しません。税クラスVおよびVIでは使用されません。","Use the weekly pay calculator, biweekly pay calculator and monthly salary calculator views to compare gross amounts. No tax, overtime premium, pension or other deductions are calculated. If you change the period, the entered amount is interpreted in that period.":"週給計算、隔週給計算、月給計算の表示を使って総額を比較できます。税金、時間外労働割増、年金、その他の控除は計算しません。期間を変更すると、入力額はその期間の金額として解釈されます。","V":"V","VI":"VI","Wage tax":"賃金税","Weekly":"週払い","When will money double?":"お金が倍になるのはいつ？","Working days per week":"週あたりの労働日数","Year":"年","Yearly figures are twelve times this monthly payslip estimate. An annual tax calculation may differ because of rounding.":"年間の数値は、この月間給与明細の概算額を12倍したものです。丸め処理により、年間の税額計算とは異なる場合があります。","Yearly figures use an annual PAP calculation and annual contribution ceilings. Monthly figures are rounded averages; individual payslips and row totals may differ by a few cents.":"年間の数値には、PAPの年間計算と年間保険料上限を使用しています。月間の数値は丸めた平均値であり、個々の給与明細や行の合計額は数セント異なる場合があります。","Yearly net estimate":"年間手取り概算","Yes":"はい"}