{"{0}":"{0}","₹{0} crore":"₹{0} crore","₹{0} lakh":"₹{0} lakh","0%":"0%","12% legacy / historical":"12%旧制度 / 過去の制度","18%":"18%","28% legacy / historical":"28%旧制度 / 過去の制度","40% special rate":"40%特別税率","5%":"5%","A = P(1 + r/m)^(mt). Fractional compounding periods use the same power formula; a bank may use a different broken-period rule. Simple payout interest is not reinvested and is shown separately.":"A = P(1 + r/m)^(mt)。端数の複利期間にも同じ累乗式を使用しますが、銀行によっては端数期間に別の計算方法を用いる場合があります。単利で払い出す利息は再投資せず、別に表示します。","Actual interest uses the lowest balance between the close of the 5th day and month end. Opening dates, later deposits, education withdrawals and early closure can change the amount. Account-opening eligibility must be checked separately.":"実際の利息は、5日目の終了時から月末までの最低残高を基に計算されます。開始日、後日の入金、教育目的の引き出し、早期解約によって金額が変わる場合があります。口座開設の適格性は別途確認してください。","Add GST to a net amount":"正味額にGSTを加算","Additional service months":"追加勤務月数","After 5 April, before month end":"4月5日以降、月末まで","Amount (₹ display units)":"金額（₹表示単位）","Annual deposit (₹)":"年間入金額（₹）","Annual deposit date":"年間入金日","Annual EPF interest rate (%)":"年間EPF利率（%）","Annual exempt HRA":"年間非課税HRA","Annual HRA received (₹)":"年間受取HRA（₹）","Annual interest rate (%)":"年間利率（%）","Annual payments (none)":"年間支払い（なし）","Annual rent paid (₹)":"年間家賃支払額（₹）","Annual salary for HRA (₹)":"HRA計算用年間給与（₹）","Annual salary growth (%)":"年間給与上昇率（%）","Annual step-up (%)":"年間増額率（%）","Annual taxable HRA":"年間課税対象HRA","Australia — 10%":"オーストラリア — 10%","Balance":"残高","Balance (₹)":"残高（₹）","Banks may deduct TDS from interest under applicable rules. TDS is a withholding, not necessarily your final tax. This estimate does not compute TDS or income tax.":"銀行は適用される規則に基づき、利息からTDSを源泉徴収する場合があります。TDSは源泉徴収であり、最終的な税額とは限りません。この見積もりではTDSや所得税は計算しません。","Bars: {0}. Dots: {1}.":"棒グラフ：{0}。点：{1}。","Basic + DA":"基本給 + DA","Beginning of each month":"毎月初め","Beginning-of-period deposits earn that month's return.":"期間開始時の入金は、その月の利回りを受け取ります。","Both scenarios use monthly growth at the annual rate divided by 12. The comparison SIP invests the same total amount in equal monthly instalments; the one-time investment is fully invested at the start.":"どちらのシナリオも、年間利率を12で割った月次成長率を使用します。比較対象のSIPは同じ総額を毎月均等に投資し、一括投資は開始時に全額を投資します。","By 5 April":"4月5日まで","Canada — 5% federal GST":"カナダ — 連邦GST 5%","Cap employer's contribution wage at ₹15,000":"雇用主の拠出対象給与を₹15,000までに制限","Car loan EMI":"自動車ローンEMI","CGST":"CGST","Chart scale: {0} to {1}":"グラフの尺度：{0}～{1}","Chart: {0}, from year {1} to {2}. Values are in the table below.":"グラフ：{0}、{1}年から{2}年まで。数値は下の表に表示されます。","Choose a PPF extension in whole five-year blocks.":"PPFの延長期間を5年単位で選択してください。","Choose one of the available calculation options.":"利用可能な計算オプションを1つ選択してください。","Compare Indian income tax regimes":"インドの所得税制度を比較","Compare the repayment commitment before taking an unsecured loan. Processing fees and insurance can raise the borrowing cost above the quoted interest rate.":"無担保ローンを借りる前に返済負担を比較してください。事務手数料や保険料により、借入費用が表示利率を上回る場合があります。","Comparison SIP timing":"比較用SIPのタイミング","Completed service years":"完了した勤務年数","Compounding / payout":"複利 / 払い出し","Continue annual deposits during extensions":"延長期間中も年間入金を継続","Contribution split by year (monthly amounts)":"年別拠出内訳（月額）","Corpus depleted after {0} months.":"元本は{0}か月後に枯渇します。","Counted service years":"算入勤務年数","Current age":"現在の年齢","Custom rate — enter above":"カスタム利率 — 上で入力","Delhi, Mumbai, Kolkata or Chennai — 50%":"デリー、ムンバイ、コルカタまたはチェンナイ — 50%","Deposit timing":"入金タイミング","Deposit value":"入金額","Deposits":"入金","Deposits (none)":"入金（なし）","Deposits are made for 15 years and the account matures at 21 years from opening. This estimate assumes each annual deposit arrives by 5 April and earns a full year of interest, credited annually. There are no deposits in years 16–21.":"入金は15年間行い、口座は開設から21年で満期になります。この見積もりでは、各年の入金が4月5日までに行われ、1年分の利息を受け取り、年1回付与されると仮定します。16～21年目の入金はありません。","Deposits over 15 years":"15年間の入金","Download CSV":"CSVをダウンロード","Download monthly CSV":"月次CSVをダウンロード","Editable default, as notified for {0}. Check the latest notification before using it.":"{0}について通知された編集可能な初期値です。使用前に最新の通知を確認してください。","EMI calculator":"EMI計算機","Employee EPF":"従業員EPF","Employer EPF":"雇用主EPF","Employer EPS":"雇用主EPS","End of each month":"毎月末","End-of-period deposits start earning returns in the following month.":"期間末の入金は、翌月から利回りを生み始めます。","Ending balance":"期末残高","Enter a whole number of months or years.":"月数または年数を整数で入力してください。","Enter finite numbers within the displayed limits.":"表示された範囲内の有限数を入力してください。","EPF balance":"EPF残高","EPF calculator":"EPF計算機","EPF deposits including opening balance":"開始残高を含むEPF入金","EPF interest":"EPF利息","EPS contributions, excluded from corpus":"EPS拠出額、元本には含まれません","Equivalent monthly SIP":"同等の月次SIP","Estimated growth":"推定増加額","Estimated maturity":"推定満期額","Estimated maturity at 21 years":"21年時点の推定満期額","Estimated retirement EPF corpus":"退職時の推定EPF元本","Estimated value":"推定額","Exempt HRA per year":"年間非課税HRA","Exemption is the least of actual HRA, rent paid minus 10% of salary (floored at zero), and 50% of salary for the four listed metros or 40% elsewhere. Salary means basic, DA forming part of retirement benefits, and turnover-based commission. You must actually pay rent for eligible accommodation.":"非課税額は、実際のHRA、支払家賃から給与の10%を引いた額（0未満の場合は0）、および指定4都市では給与の50%、その他の地域では40%のうち、最も少ない額です。給与には基本給、退職給付の一部を構成するDA、売上高連動の歩合給が含まれます。適格な住居の家賃を実際に支払っている必要があります。","Expected annual return (%)":"期待年間収益率（%）","Extension years after the 15-year term":"15年満了後の延長年数","Extra monthly prepayment (₹)":"追加月次繰上返済額（₹）","FD calculator":"FD計算機","Fixed nominal rate divided by 12. Extra payments reduce the term while the scheduled EMI stays fixed. Fees and prepayment penalties are excluded.":"固定名目利率を12で割ります。追加返済により返済期間は短くなりますが、予定EMIは一定です。手数料と繰上返済違約金は含まれません。","For monthly-rated employees of employers covered by the Payment of Gratuity Act: gratuity = 15 × last monthly basic + DA × counted years ÷ 26. A part-year exceeding six months counts as another year; exactly six months does not.":"Payment of Gratuity Actの対象雇用主に勤務する月給制従業員の場合：退職一時金 = 15 × 最終月額基本給 + DA × 算入年数 ÷ 26。6か月を超える端数年は1年として数えますが、ちょうど6か月は数えません。","Formula gratuity before caps":"上限適用前の計算式による退職一時金","Fractional quarters use geometric accrual. Actual bank day counts, late instalments, rounding and premature closure rules can change the maturity amount.":"端数の四半期には幾何的な積み上げを使用します。実際の銀行の算定日数、支払遅延、丸め処理、早期解約の規則によって満期額が変わる場合があります。","Generic / custom":"一般 / カスタム","Gratuity calculator":"退職一時金計算機","Gross amount":"総額","Gross amount per year":"年間総額","Growth (none)":"増加（なし）","GST added = net × rate ÷ 100. GST removed = gross − gross ÷ (1 + rate ÷ 100). Presets change only the rate. All amounts use ₹ display units; the arithmetic works in any currency without conversion.":"加算GST = 正味額 × 税率 ÷ 100。控除GST = 総額 − 総額 ÷ (1 + 税率 ÷ 100)。プリセットで変わるのは税率のみです。すべての金額は₹表示単位を使用しますが、換算なしでどの通貨でも計算できます。","GST amount":"GST額","GST calculator":"GST計算機","GST Council official announcement":"GST評議会公式発表","GST per year":"年間GST","GST rate (%) — editable":"GST率（%） — 編集可能","Half-yearly":"半年ごと","Home loan EMI":"住宅ローンEMI","HRA exemption applies under the old tax regime. This is an exemption estimate, not a calculation of tax saved.":"HRAの非課税は旧税制で適用されます。これは非課税額の見積もりであり、節税額の計算ではありません。","HRA exemption calculator":"HRA非課税計算機","HRA received per year":"年間受取HRA","IGST":"IGST","Illustrative gratuity accrual":"例示的な退職一時金の積み上げ","Income Tax Department: gratuity exemption":"所得税局：退職一時金の非課税","India":"インド","Indian slab shortcut":"インド税率区分の簡易計算","Indian tax split":"インド税額の内訳","Inter-state: IGST":"州間取引：IGST","Interest":"利息","Interest (₹)":"利息（₹）","Interest (none)":"利息（なし）","Interest / growth":"利息 / 増加額","Interest earned":"獲得利息","Interest is calculated on the lowest balance between the close of the 5th day and month end, then credited annually. A deposit by 5 April earns all 12 months; a later April deposit earns 11. No withdrawals are modelled.":"利息は5日目の終了時から月末までの最低残高を基に計算され、その後、年1回付与されます。4月5日までの入金は12か月分、4月中のそれより後の入金は11か月分の利息を得ます。引き出しはモデルに含めていません。","Interest paid":"支払利息","Interest paid out":"払い出し利息","Interest saved by prepayment":"繰上返済による利息節約額","Interest under Section 24(b) may qualify for a deduction subject to the property, tax regime and statutory conditions. This page does not calculate that deduction.":"Section 24(b)に基づく利息は、物件、税制、法定条件に応じて控除対象となる場合があります。このページではその控除を計算しません。","Intra-state: CGST + SGST":"州内取引：CGST + SGST","Investment value":"投資額","Last monthly basic salary + DA (₹)":"最終月額基本給 + DA（₹）","Loan amount (₹)":"借入額（₹）","Lumpsum calculator":"一括投資計算機","Lumpsum value":"一括投資額","Maturity value":"満期額","Maximum projection years":"最大試算年数","Month":"月","Monthly":"月次","Monthly amortisation table":"月次返済表","Monthly basic salary + DA (₹)":"月額基本給 + DA（₹）","Monthly contribution split; EPS is excluded from the EPF balance":"月次拠出内訳。EPSはEPF残高に含まれません","Monthly growth is applied before the month-end withdrawal. The last withdrawal may be smaller than requested. Constant returns ignore market volatility, inflation and tax.":"月次の増加は月末の引き出し前に適用されます。最後の引き出しは希望額より少なくなる場合があります。一定の収益率では市場変動、インフレ、税金を考慮していません。","Monthly instalment (₹)":"月額返済額（₹）","Monthly loan payments; amounts in ₹":"月次ローン返済額、金額は₹","Monthly SIP (₹)":"月次SIP（₹）","Monthly withdrawal (₹)":"月次引き出し額（₹）","Months":"か月","Months to repay":"返済月数","Net amount":"正味額","Net amount per year":"年間正味額","New Zealand — 15%":"ニュージーランド — 15%","No depletion within {0} months under these assumptions; this does not guarantee indefinite withdrawals.":"この前提では{0}か月以内に枯渇しませんが、無期限の引き出しを保証するものではありません。","Official rate source":"公式利率情報源","One-time investment (₹)":"一括投資額（₹）","Opening EPF balance (₹)":"開始時EPF残高（₹）","Operation":"操作","Other places — 40%":"その他の地域 — 40%","Payment":"支払い","Payment (₹)":"支払い（₹）","Personal loan EMI":"個人ローンEMI","PPF balance":"PPF残高","PPF calculator":"PPF計算機","Principal":"元本","Principal (₹)":"元本（₹）","Principal balance":"元本残高","Principal repaid":"返済元本","Principal returned at maturity":"満期時返還元本","Quarterly (common bank default)":"四半期ごと（一般的な銀行の初期設定）","Quarterly compounding, with instalments at the beginning of each month. M = P × [(1+i)^(n/3) − 1] ÷ [1 − (1+i)^(-1/3)], where i = annual rate (%) ÷ 400 and n is the number of months. At zero interest, M = P × n.":"四半期複利で、毎月初めに分割払いを行います。M = P × [(1+i)^(n/3) − 1] ÷ [1 − (1+i)^(-1/3)]。ここでi = 年間利率（%）÷ 400、nは月数です。利息が0の場合、M = P × nです。","Range: {0}–{1}":"範囲：{0}～{1}","Rate preset":"利率プリセット","RD calculator":"RD計算機","Remaining corpus":"残りの元本","Remaining loan balance":"残りのローン残高","Remove GST from a gross amount":"総額からGSTを控除","Residence":"居住地","Results are estimates. Rates, payment dates, fees and taxes can change the actual amount.":"結果は見積もりです。利率、支払日、手数料、税金によって実際の金額が変わる場合があります。","Retirement age":"退職年齢","Retirement age must be greater than your current age.":"退職年齢は現在の年齢より上でなければなりません。","Rule 1: actual HRA":"ルール1：実際のHRA","Rule 2: rent less 10% salary":"ルール2：家賃から給与の10%を控除","Rule 3: salary percentage":"ルール3：給与に対する割合","Scheduled EMI":"予定EMI","SGST":"SGST","Simple interest payout":"単利払い出し","SIP calculator":"SIP計算機","SIP value":"SIP額","SSY balance":"SSY残高","Starting corpus (₹)":"開始元本（₹）","Sukanya Samriddhi calculator":"Sukanya Samriddhi計算機","SWP calculator":"SWP計算機","Taxable HRA per year":"年間課税対象HRA","Tenure":"返済期間","Tenure (months)":"返済期間（月）","Tenure unit":"返済期間の単位","The ₹20 lakh tax-exempt ceiling is subject to the applicable conditions and prior exempt gratuity. This page shows the formula amount before statutory caps; it does not determine eligibility or tax. Five years of continuous service is generally required, with exceptions such as death or disablement.":"₹20 lakhの非課税上限には、適用条件と過去に非課税となった退職一時金が関係します。このページでは法定上限適用前の計算式による金額を表示しますが、適格性や税額は判定しません。通常は5年間の継続勤務が必要ですが、死亡や障害などの例外があります。","The annual deposit must be within the scheme limits.":"年間入金額は制度の上限・下限内でなければなりません。","The annual return is divided by 12 for monthly growth. A step-up increases each monthly deposit after every completed year. Investment returns vary and are not guaranteed.":"月次の増加には年間収益率を12で割った値を使用します。ステップアップにより、1年を完了するごとに月次入金額が増加します。投資収益は変動し、保証されません。","The annual table repeats one identical net amount each year at the entered rate. It is a budgeting scenario, with no compounding or prediction of future tax rates.":"年間表では、入力した利率に基づき、毎年同じ正味額を繰り返し表示します。これは予算計画用のシナリオであり、複利や将来の税率予測は含みません。","The calculation is outside the supported range.":"計算値が対応範囲外です。","The employee contributes 12% of basic + DA to EPF. The employer contributes 12% of the selected wage base: EPS takes 8.33% of wages capped at ₹15,000, and the rest enters EPF. EPS is a pension contribution and is excluded from this corpus.":"従業員は基本給 + DAの12%をEPFに拠出します。雇用主は選択した給与基準の12%を拠出し、そのうちEPSには給与の8.33%（上限₹15,000）が入り、残りがEPFに入ります。EPSは年金拠出であり、この元本には含まれません。","The model uses 15 complete financial years and optional five-year extensions. Statutory maturity is 15 years from the end of the opening financial year, so your opening date can add an initial partial year. Extensions with deposits require the prescribed election.":"このモデルでは、15会計年度と任意の5年延長を使用します。法定満期は開始会計年度末から15年後であるため、開始日によって最初に端数年が加わる場合があります。入金を伴う延長には所定の選択手続きが必要です。","The September 2025 changes introduced main rates of 5% and 18%, plus a special 40% rate. This shortcut list is not a goods classification guide; special rates and exceptions require the applicable notification. 12% and 28% are retained for historical calculations.":"2025年9月の変更により、5%と18%の主要税率に加え、40%の特別税率が導入されました。この簡易リストは物品分類ガイドではありません。特別税率や例外には、該当する通知が必要です。12%と28%は過去の計算用に残しています。","The year-by-year table applies your last salary to each counted service year. It shows an illustrative formula accrual, not an annual payment or entitlement before eligibility. Special employee categories may use different rules.":"年別表では、最後の給与を算入勤務年数の各年に適用します。表示されるのは計算式による例示的な積み上げであり、適格性を満たす前の年間支払額や受給権ではありません。特別な従業員区分には異なる規則が適用される場合があります。","This assumes an eligible EPS member, employee contributions on full salary and the selected employer wage base throughout the projection. EPS eligibility, higher pension options and age-related changes are not modelled. Contributions arrive at month end; interest accrues on monthly opening balances and is credited annually. Salary rises once a year.":"試算期間を通じて、EPSの適格加入者であり、従業員拠出は全給与を基準とし、雇用主の給与基準は選択した値であると仮定します。EPSの適格性、増額年金の選択肢、年齢に伴う変更はモデルに含めていません。拠出は月末に行われ、利息は月初残高に対して発生し、年1回付与されます。給与は年1回上昇します。","Total deposited":"入金総額","Total interest":"利息合計","Total invested":"投資総額","Total invested in each scenario":"各シナリオの投資総額","Total paid":"支払総額","Total payments":"支払い総額","Total withdrawn":"引き出し総額","Use figures for the same eligible period. If salary, rent or residence changes, calculate each period separately. The annual table repeats the entered assumptions; it does not predict future eligibility.":"同じ適格期間の数値を使用してください。給与、家賃、居住地が変わる場合は、期間ごとに別々に計算してください。年間表は入力した前提を繰り返すもので、将来の適格性を予測するものではありません。","Use the financed amount after your down payment and trade-in. Insurance and running costs are outside this loan estimate.":"頭金と下取り額を差し引いた融資額を使用してください。保険料と維持費はこのローン見積もりに含まれません。","Withdrawals":"引き出し","Year":"年","Year {0}: {1}":"{0}年：{1}","Year-by-year results":"年別結果","Year-by-year table; amounts in ₹":"年別表、金額は₹","Yearly":"年次","Years":"年","Years {0} to {1}":"{0}～{1}年","Years in the repeated-amount scenario":"同額を繰り返すシナリオの年数","Years with the same annual inputs":"年間入力値が同じ年数"}