{
  "schemaVersion": 1,
  "createdAt": "2026-08-22T00:00:00.000Z",
  "updatedAt": "2026-08-22T00:00:00.000Z",
  "appVersion": "1.0.0",
  "profile": { "currency": "RUB", "horizon": 12, "incomeType": "combined", "mode": "family", "objectives": ["budget", "reserve", "debts", "goal", "capital"], "reserveMonths": 6 },
  "accounts": [
    { "id": "demo-account-1", "title": "Основной счёт", "type": "card", "currency": "RUB", "balance": 310000 },
    { "id": "demo-account-2", "title": "Резерв", "type": "savings", "currency": "RUB", "balance": 470000 }
  ],
  "incomes": [
    { "id": "demo-income-1", "title": "Основной доход", "amount": 155000, "frequency": "monthly", "dateRule": "10" },
    { "id": "demo-income-2", "title": "Проекты", "amount": 30000, "frequency": "monthly", "dateRule": "25" }
  ],
  "expenses": [
    { "id": "demo-expense-1", "category": "Жильё", "amount": 52000, "frequency": "monthly", "required": true },
    { "id": "demo-expense-2", "category": "Повседневные расходы", "amount": 56000, "frequency": "monthly", "required": true },
    { "id": "demo-expense-3", "category": "Развитие и отдых", "amount": 22000, "frequency": "monthly", "required": false }
  ],
  "debts": [{ "id": "demo-debt-1", "title": "Автокредит", "balance": 420000, "payment": 17600, "rate": 12.5, "endDate": "2028-08-01", "extraPayment": 0 }],
  "subscriptions": [],
  "events": [{ "id": "demo-event-1", "title": "Страховка", "amount": 54000, "date": "2026-10-15", "type": "expense" }],
  "goals": [{ "id": "demo-goal-1", "title": "Первый взнос", "target": 1500000, "current": 680000, "deadline": "2028-10-01", "priority": 1 }],
  "assets": [{ "id": "demo-asset-1", "title": "Автомобиль", "type": "property", "value": 920000, "liquid": false }],
  "investments": [{ "id": "demo-investment-1", "asset": "Диверсифицированный портфель", "broker": "Демо-счёт", "quantity": 1, "cost": 900000, "currentPrice": 1200000, "valuationDate": "2026-08-22" }],
  "scenario": { "cautious": { "incomeDelta": -10, "expenseDelta": 10, "contribution": 0 }, "base": { "incomeDelta": 0, "expenseDelta": 0, "contribution": 0 }, "accelerated": { "incomeDelta": 10, "expenseDelta": -5, "contribution": 10000 } }
}