Management server, lifetime income / expense calculation program, and lifetime income / expense calculation method

Abstract

This invention provides a lifetime income and expenditure calculation program 10 that calculates lifetime income and expenditure 1620, calculates lifetime income and expenditure based on individual funds needed for marriage, education, housing, etc., and helps users understand the money they will need throughout their lives. [Solution] A management server 120 connected to a user terminal 100 via a network, comprising: a sheet screen provisioning unit 140 that provides sheet screens stored in a sheet screen storage unit 130 to the user terminal 100; an input receiving unit 150 that receives sheet screens with predetermined items entered from the user terminal 100; and an automated processing unit 160 that performs lifetime income and expenditure calculation processing by performing first to sixth input processing based on the input from the sheet screen.

Description

Technical Field

[0001] The present invention relates to a management server, a program for calculating lifetime income and expenditure, and a method for calculating lifetime income and expenditure.

Background Art

[0002] Conventionally, in order to know the money required for a lifetime, complicated calculations and methods have been required, so it has not been possible to easily know it.

[0003] Moreover, because the money required for a lifetime could not be grasped, the money that can be freely used at present could not be known, and the anxiety about money could not be eliminated.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] Patent Document 1 discloses a money plan table after the retirement age that calculates major income and expenditures in fund management after the retirement age and allows the balance of income and expenditure for a month, a year, and a lifetime to be confirmed in one table. However, the above-mentioned money plan table after the retirement age does not enable the user to grasp the money required for a lifetime by inputting information or numerical values corresponding to predetermined items in a plurality of sheets.

[0006] An object of the present invention is to provide a program for calculating lifetime income and expenditure that can calculate the lifetime income and expenditure based on individual funds required for marriage, education, housing, etc. and enable the user to grasp the money required for a lifetime by inputting information or numerical values corresponding to predetermined items in a plurality of sheets.

Means for Solving the Problems

[0007] A brief overview of some of the representative inventions disclosed in this application is as follows:

[0008] A management server according to one embodiment of the present invention is a management server connected to a user terminal via a network, and includes: a sheet screen providing unit that provides sheet screens stored in a sheet screen storage unit to the user terminal; an input receiving unit that receives sheet screens with predetermined items entered from the user terminal; and an automated processing unit that performs lifetime income and expenditure calculation processing by performing first to sixth input processing based on the input from the sheet screen. [Effects of the Invention]

[0009] The effects obtained by some of the representative inventions disclosed in this application can be briefly explained as follows.

[0010] According to a typical embodiment of the present invention, it is possible to calculate lifetime income and expenses and allow the user to understand the amount of money they will need throughout their life. [Brief explanation of the drawing]

[0011] [Figure 1] This is a schematic diagram showing an overview of the management server and lifetime income / expense calculation system according to an embodiment of the present invention. [Figure 2] This is a schematic diagram showing a family data sheet that constitutes a lifetime income and expenditure calculation program according to an embodiment of the present invention. [Figure 3] This is a schematic diagram showing a startup sheet that constitutes a lifetime income and expenditure calculation program according to an embodiment of the present invention. [Figure 4] This is a schematic diagram showing the first family timeline that constitutes the lifetime income and expenditure calculation program according to an embodiment of the present invention. [Figure 5] This is a schematic diagram showing a checklist of financial accounts, etc., that constitutes a lifetime income and expenditure calculation program according to an embodiment of the present invention. [Figure 6] This is a schematic diagram showing a balance sheet that constitutes a lifetime income and expenditure calculation program according to an embodiment of the present invention. [Figure 7] It is a schematic diagram showing an annual income and expenditure calculation sheet that constitutes a lifetime income and expenditure calculation program according to an embodiment of the present invention. [Figure 8] It is a schematic diagram showing a housing fund calculation sheet that constitutes a lifetime income and expenditure calculation program according to an embodiment of the present invention. [Figure 9] It is a schematic diagram showing an education fund calculation sheet that constitutes a lifetime income and expenditure calculation program according to an embodiment of the present invention. [Figure 10] It is a schematic diagram showing a variety fund sheet that constitutes a lifetime income and expenditure calculation program according to an embodiment of the present invention. [Figure 11] It is a schematic diagram showing a post-retirement fund calculation sheet that constitutes a lifetime income and expenditure calculation program according to an embodiment of the present invention. [Figure 12] It is a schematic diagram showing a necessary insurance amount calculation sheet that constitutes a lifetime income and expenditure calculation program according to an embodiment of the present invention. [Figure 13] It is a schematic diagram showing a fund trial calculation sheet that constitutes a lifetime income and expenditure calculation program according to an embodiment of the present invention. [Figure 14] It is a schematic diagram showing a fund allocation sheet that constitutes a lifetime income and expenditure calculation program according to an embodiment of the present invention. [Figure 15] It is a schematic diagram showing an annual income and expenditure review calculation sheet that constitutes a lifetime income and expenditure calculation program according to an embodiment of the present invention. [Figure 16] It is a schematic diagram showing a lifetime income and expenditure statement that constitutes a lifetime income and expenditure calculation program according to an embodiment of the present invention. [Figure 17] It is a schematic diagram showing a second family chronology that constitutes a lifetime income and expenditure calculation program according to an embodiment of the present invention.

Embodiments for Carrying Out the Invention

[0012] Hereinafter, embodiments of the present invention will be described in detail based on the drawings. In all the drawings for explaining the embodiments, the same parts are generally denoted by the same reference numerals, and repeated explanations thereof are omitted.

[0013] FIG. 1 is a schematic diagram showing an overview of the management server 120 and the lifetime income and expenditure calculation system according to an embodiment of the present invention.

[0014] As shown in FIG. 1(a), the management server 120 according to an embodiment of the present invention is connected to the user terminal 100 via a network.

[0015] The present embodiment is a lifetime income and expenditure calculation program installed on a computer equipped with spreadsheet software in which a plurality of processing sheets are preset. Regarding the mathematical formulas that relate cells within one sheet and cells between multiple sheets of the plurality of processing sheets, the automation processing unit 160 performs either or both of automatic assignment and automatic repair.

[0016] The management server 120 includes a sheet screen storage unit 130, a sheet screen providing unit 140, an input receiving unit 150, and an automation processing unit 160.

[0017] The sheet screen storage unit 130 stores sheet screens. The sheet screens include a family data sheet 200, a startup sheet 300, a first family chronology 400, a financial account check sheet 500, a balance sheet 600, an annual income and expenditure calculation sheet 700, a housing fund calculation sheet 800, an education fund calculation sheet 900, a variety fund sheet 1000, a pension fund calculation sheet 1100, a required insurance amount calculation sheet 1200, a fund trial calculation sheet 1300, a fund allocation sheet 1400, an annual income and expenditure review calculation sheet 1500, a lifetime income and expenditure statement 1600, and a second family chronology 1700.

[0018] The sheet screen providing unit 140 provides the sheet screens stored in the sheet screen storage unit 130 to the user terminal 100.

[0019] The input receiving unit 150 receives a sheet screen with input of predetermined items from the user terminal 100.

[0020] The automated processing unit 160 performs the lifetime income and expenditure calculation process by carrying out the first to sixth input processes based on the input on the sheet screen.

[0021] As shown in Figure 1(b), the management server 120 performs the lifetime income and expenditure calculation process by having the user perform the first to sixth input processes. Each process will be explained below. <First Input Processing> First, the management server 120 prompts the user to perform the initial input processing.

[0022] As the first input process, the management server 120 first extracts the family data sheet 200 from the sheet screen storage unit 130. Next, the sheet screen provision unit 140 of the management server 120 provides the family data sheet 200 to the user terminal 100. After that, the input reception unit 150 receives input of the family data sheet 200 from the user.

[0023] Figure 2 is a schematic diagram showing a family data sheet 200 that constitutes the lifetime income and expenditure calculation program 10 according to an embodiment of the present invention.

[0024] The family data sheet 200 has a family data input area 210. The family data input area 210 allows the user to input items such as address, name, date of birth, blood type, occupation, wedding anniversary, contact information, and emergency contact information for the user and their family.

[0025] In this way, the Family Data Sheet 200 can be used, for example, as data for emergency contact during a disaster. <Second Input Processing> Next, the management server 120 prompts the user to perform the second input process.

[0026] As the second input process, the management server 120 first extracts the startup sheet 300 and the first family timeline 400 from the sheet screen storage unit 130. Next, the sheet screen provision unit 140 of the management server 120 provides the startup sheet 300 and the first family timeline 400 to the user terminal 100. After that, the input reception unit 150 receives input of the startup sheet 300 and the first family timeline 400 from the user.

[0027] Figure 3 is a schematic diagram showing a startup sheet 300 that constitutes the lifetime income and expenditure calculation program 10 according to an embodiment of the present invention.

[0028] The startup sheet 300 has a startup input area 310. The startup input area 310 allows the user to input items such as dreams, hopes, goals, and concerns.

[0029] Figure 4 is a schematic diagram showing the first family timeline 400, which constitutes the lifetime income and expenditure calculation program 10 of the embodiment of the present invention.

[0030] The first family timeline 400 has a first family timeline input area 410. The first family timeline input area 410 allows the user to input items such as goals and planned events for the user and the user's family.

[0031] Furthermore, the first family timeline input area 410 consists of input fields that allow input in chronological order from the present to the future. In other words, the first family timeline input area 410 allows users to input items such as goals and planned events for the user and their family in chronological order for specific years and months. For example, the first family timeline input area 410 allows users to input "Purchase a car" in the input field for "December 2021".

[0032] By having the user perform the first and second input processes, the lifetime income and expenditure calculation program 10 can organize information about the user and their family. It also allows the user to identify their dreams and hopes, worries and anxieties, and to consider their vision for the future. <Third Input Processing> Next, the management server 120 prompts the user to perform the third input process.

[0033] As the third input process, the management server 120 first extracts the financial account check sheet 500, the balance sheet 600, and the annual income and expenditure calculation sheet 700 from the sheet screen storage unit 130. Next, the sheet screen provision unit 140 of the management server 120 provides the financial account check sheet 500, the balance sheet 600, and the annual income and expenditure calculation sheet 700 to the user terminal 100. Subsequently, the input reception unit 150 receives input from the user for the financial account check sheet 500, the balance sheet 600, and the annual income and expenditure calculation sheet 700.

[0034] Figure 5 is a schematic diagram showing a financial account checklist 500 that constitutes the lifetime income and expenditure calculation program 10 according to an embodiment of the present invention.

[0035] The financial account check sheet 500 has a financial account input area 510. The financial account input area 510 allows the user to input items such as the name of the financial institution, account holder name, balance, item number, purpose of use, and total amount of financial assets for the user and the user's family.

[0036] Furthermore, the financial account input area 510 prompts the user to input information about their children, such as financial assets in the child's name.

[0037] Figure 6 is a schematic diagram showing a balance sheet 600 that constitutes the lifetime income and expenditure calculation program 10 according to an embodiment of the present invention.

[0038] The balance sheet 600 has a balance sheet input area 610. The balance sheet input area 610 allows the user to input items such as financial assets, real assets, liabilities, net assets, and negative equity.

[0039] Figure 7 is a schematic diagram showing an annual income and expenditure calculation sheet 700 that constitutes the lifetime income and expenditure calculation program 10 according to an embodiment of the present invention.

[0040] The annual income and expenditure calculation sheet 700 has an annual income and expenditure input area 710. The annual income and expenditure input area 710 allows the user to input items such as salary, disposable income, child allowance, annual income, insurance premiums, savings, and annual expenses.

[0041] By having the user perform a third input process, the lifetime income and expenditure calculation program 10 can organize the number and flow of financial accounts for the user and their family. It can also allow the user to review their household finances and annual income and expenditure. <Fourth Input Processing> Next, the management server 120 prompts the user to perform the fourth input process.

[0042] As the fourth input process, the management server 120 first extracts the housing fund calculation sheet 800, the education fund calculation sheet 900, the variety fund sheet 1000, the retirement fund calculation sheet 1100, and the required insurance amount calculation sheet 1200 from the sheet screen storage unit 130. Next, the sheet screen provision unit 140 of the management server 120 provides the housing fund calculation sheet 800, the education fund calculation sheet 900, the variety fund sheet 1000, the retirement fund calculation sheet 1100, and the required insurance amount calculation sheet 1200 to the user terminal 100. After that, the input reception unit 150 receives input from the user for the housing fund calculation sheet 800, the education fund calculation sheet 900, the variety fund sheet 1000, the retirement fund calculation sheet 1100, and the required insurance amount calculation sheet 1200.

[0043] Figure 8 is a schematic diagram showing a housing finance calculation sheet 800 that constitutes the lifetime income and expenditure calculation program 10 of an embodiment of the present invention.

[0044] The housing loan calculation sheet 800 has a housing loan input area 810. The housing loan input area 810 allows the user to input items such as the loan period, loan interest rate, disposable income, property price, repayment amount, interest amount, and maintenance costs for their housing loan.

[0045] Furthermore, as shown in Figure 8(b), the housing loan calculation sheet 800 may also be configured to include a second housing loan calculation sheet 820. The second housing loan calculation sheet 820 has a second housing loan input area 810.

[0046] Figure 9 is a schematic diagram showing an education fund calculation sheet 900 that constitutes the lifetime income and expenditure calculation program 10 according to an embodiment of the present invention.

[0047] The education expense calculation sheet 900 has an education expense input area 910. The education expense input area 910 allows the user to input items such as school education expenses, extracurricular education expenses, and examination fees for their child.

[0048] Furthermore, the education fund input area 910 consists of input fields that allow the user to input school education expenses and other related costs for their children in chronological order from the present to the future.

[0049] The education fund calculation sheet 900 calculates the required amount of education funds by having the user enter information in the education fund input area 910.

[0050] Figure 10 is a schematic diagram showing a variety fund sheet 1000 that constitutes the lifetime income and expenditure calculation program 10 according to an embodiment of the present invention.

[0051] The Variety Funds Sheet 1000 has a Variety Funds input area 1010. The Variety Funds input area 1010 allows the user to input items such as the savings period, target date, and target amount. Variety funds refer to funds other than housing funds and education / retirement funds.

[0052] Figure 11 is a schematic diagram showing a retirement fund calculation sheet 1100 that constitutes the lifetime income and expenditure calculation program 10 of an embodiment of the present invention.

[0053] The retirement fund calculation sheet 1100 has a retirement fund input area 1110. The retirement fund input area 1110 allows the user to input items such as the expected income after retirement and the expected expenses after retirement. Note that separate calculation sheets may be provided for retirement allowances and public pensions.

[0054] The retirement fund calculation sheet 1100 allows users to input their retirement fund details into the retirement fund input area 1110 and calculate the required retirement fund amount by subtracting income and expenses.

[0055] Figure 12 is a schematic diagram showing the required insurance amount calculation sheet 1200, which constitutes the lifetime income and expenditure calculation program 10 of the embodiment of the present invention.

[0056] The required insurance amount calculation sheet 1200 has a required insurance amount input area 1210. The required insurance amount input area 1210 allows the user to input items such as current savings, death benefits, personal pensions, survivor's basic pensions, child allowances, and other event expenses. Note that a separate calculation sheet may be provided for survivor's pensions, etc.

[0057] The required insurance amount calculation sheet 1200 allows users to input the required insurance amount in the required insurance amount input area 1210, and then calculates the required insurance amount by subtracting income and expenses.

[0058] By having the user perform a fourth input process, the lifetime income and expenditure calculation program 10 can organize an estimate of the user's housing costs, how much more education funds are needed, and what other funds should be prepared. It can also allow the user to confirm the amount of retirement funds needed and whether insurance is necessary. <Fifth Input Processing> Next, the management server 120 prompts the user to perform the fifth input process.

[0059] As the fifth input process, the management server 120 first extracts the fund calculation sheet 1300 and the fund allocation sheet 1400 from the sheet screen storage unit 130. Next, the sheet screen provision unit 140 of the management server 120 provides the fund calculation sheet 1300 and the fund allocation sheet 1400 to the user terminal 100. After that, the input reception unit 150 receives input from the user for the fund calculation sheet 1300 and the fund allocation sheet 1400.

[0060] Figure 13 is a schematic diagram showing a financial projection sheet 1300 that constitutes the lifetime income and expenditure calculation program 10 according to an embodiment of the present invention.

[0061] The fund calculation sheet 1300 has a fund calculation input area 1310. The fund calculation input area 1310 allows the user to input the target amount for educational funds, the amount to be saved, and the annual interest rate. The target amount for educational funds and the amount to be saved refer to the values ​​calculated from the input on the educational fund calculation sheet 900.

[0062] Furthermore, the fund calculation input area 1310 allows the user to input their target amount for housing funds, the amount to be saved, and the annual interest rate. The target amount and the amount to be saved for housing funds refer to the values ​​calculated from the input in the housing fund calculation sheet 800.

[0063] Furthermore, the fund calculation input area 1310 allows the user to input their target amount for retirement funds, the amount to be saved, and the annual interest rate. The target amount for retirement funds and the amount to be saved refer to the values ​​calculated from the input in the retirement fund calculation sheet 1100.

[0064] Furthermore, the fund calculation input area 1310 allows the user to input their target amount, savings amount, and annual interest rate for their variety funds. The target amount and savings amount for the user's variety funds refer to the values ​​calculated from the input in the variety funds calculation sheet 1000.

[0065] As shown in Figure 13(b), the fund calculation sheet 1300 may also be configured with the addition of a second fund calculation sheet 1320. The second fund calculation sheet 1320 has a fund calculation input area 1330. The fund calculation input area 1330 allows the user to input the principal amount for educational funds, etc. This enables the second fund calculation sheet 1320 to calculate investment returns.

[0066] Figure 14 is a schematic diagram showing a fund allocation sheet 1400 that constitutes the lifetime income and expenditure calculation program 10 of an embodiment of the present invention.

[0067] The fund allocation sheet 1400 has a fund allocation input area 1410. The fund allocation input area 1410 allows the user to input the number of years, allocation, product name, account, and financial institution name for education expenses, housing purchase funds, retirement funds, and miscellaneous funds.

[0068] Furthermore, the fund allocation input area 1410 allows the user to input the planned allocation amount for investment trusts, domestic bonds, domestic stocks, foreign bonds, foreign stocks, etc., as surplus funds.

[0069] By having the user perform the fifth input process, the management server 120 can determine how to prepare the required amount of each fund for the user. <Sixth Input Processing> Next, the management server 120 prompts the user to perform the sixth input process.

[0070] As the sixth input process, the management server 120 first extracts the annual income and expenditure review calculation sheet 1500 from the sheet screen storage unit 130. Next, the sheet screen provision unit 140 of the management server 120 provides the annual income and expenditure review calculation sheet 1500 to the user terminal 100. After that, the input reception unit 150 receives input from the user for the annual income and expenditure review calculation sheet 1500.

[0071] Figure 15 is a schematic diagram showing the annual income and expenditure review calculation sheet 1500, which constitutes the lifetime income and expenditure calculation program 10 according to an embodiment of the present invention.

[0072] The annual income and expenditure review calculation sheet 1500 has an annual income and expenditure input area 1510. The annual income and expenditure input area 1510 allows the user to input their annual income, the amount to be saved, and their annual expenses such as basic living expenses.

[0073] The annual income and expenditure review calculation sheet 1500 allows users to input their annual income and expenditure in the annual income and expenditure input area 1510, and then calculates the amount of money available for discretionary spending by subtracting expenses from annual income.

[0074] By having the user perform the sixth input process, the management server 120 can allow the user to know the amount of money they can freely spend. <Lifetime Income and Expenditure Calculation Process> Next, the management server 120 prompts the user to perform a lifetime income and expense calculation process.

[0075] As part of the lifetime income and expenditure calculation process, the management server 120 first extracts the lifetime income and expenditure table 1600 and the second family timeline 1700 from the sheet screen storage unit 130. Next, the sheet screen provision unit 140 of the management server 120 provides the lifetime income and expenditure table 1600 and the second family timeline 1700 to the user terminal 100. Subsequently, the input reception unit 150 receives input from the user for the lifetime income and expenditure table 1600 and the second family timeline 1700.

[0076] Figure 16 is a schematic diagram showing a lifetime income and expenditure table 1600 that constitutes the lifetime income and expenditure calculation program 10 of an embodiment of the present invention.

[0077] The lifetime income and expenditure statement 1600 has an information input area 1610 for calculating lifetime income and expenditure. The information input area 1610 allows the user to input their savings, disposable income, retirement funds, education funds, investment gains, inheritances, living expenses, housing expenses, education expenses, insurance premiums, etc.

[0078] The deposit amount refers to the value calculated by entering data into Balance Sheet 600.

[0079] Disposable income refers to the value calculated by entering data into the annual income and expenditure calculation sheet 700.

[0080] Retirement funds and inheritance amounts refer to the figures calculated by inputting data into the retirement fund calculation sheet 1100.

[0081] Education funds and educational expenses refer to the figures calculated by entering data into the Education Fund Calculation Sheet 900.

[0082] Investment returns refer to the figures calculated from the input in Fund Projection Sheet 1300.

[0083] Living expenses refer to the figures calculated by inputting data into the annual income and expenditure calculation sheet 700 and the retirement fund calculation sheet 1100.

[0084] Housing expenses refer to the figures calculated by entering data in Housing Fund Calculation Sheet 800 or housing-related expenses in Annual Income and Expenditure Calculation Sheet 700.

[0085] The insurance premium will refer to the value calculated by entering the required insurance amount into sheet 1200.

[0086] The lifetime balance sheet 1600 is created by inputting information into the lifetime balance calculation information input area 1610 and subtracting income from expenses to calculate the lifetime balance 1620.

[0087] Figure 17 is a schematic diagram showing the second family timeline 1700, which constitutes the lifetime income and expenditure calculation program 10 of the embodiment of the present invention.

[0088] The second family timeline 1700 has a second family timeline input area 1710. The second family timeline input area 1710 allows the user to input items such as goals and planned events for the user and their family, reflecting the results of the lifetime financial statements 1620.

[0089] The Second Family Timeline 1700 can be used as a revised and finalized version of the First Family Timeline 400.

[0090] Furthermore, the second family timeline input area 1710 consists of input fields that allow input in chronological order from the present to the future. In other words, the second family timeline input area 1710 allows users to input items such as goals and planned events for the user and their family in chronological order for specific years and months. For example, the second family timeline input area 1710 allows users to input "Purchase a car" in the input field for "December 2021".

[0091] By having the user perform the lifetime income and expenditure calculation process, the lifetime income and expenditure calculation program 10 can calculate lifetime income and expenditure and allow the user to understand the amount of money needed throughout their life. Furthermore, after the user has identified their dreams, hopes, worries, and anxieties, they can consider the lifetime income and expenditure 1620 and then develop a more realistic vision for the future.

[0092] Furthermore, the lifetime income and expenditure calculation program 10 may include an execution declaration sheet. The execution declaration sheet can be used to improve and maintain user motivation. <Effects of this embodiment> According to the embodiments of the present invention described above, the lifetime income and expenditure calculation program 10 calculates the lifetime income and expenditure 1620, allowing the user to understand the amount of money needed throughout their life. Furthermore, after the user has identified their dreams, hopes, worries, and anxieties, the program can help them consider the lifetime income and expenditure 1620 and then develop a more realistic vision for the future.

[0093] Although the present invention has been specifically described above based on embodiments, it goes without saying that the present invention is not limited to the above embodiments and can be modified in various ways without departing from its essence.

[0094] Furthermore, the embodiments described above are explained in detail for the purpose of clearly illustrating the present invention, and are not necessarily limited to those having all the configurations described. For example, it is possible to replace a part of the configuration of one embodiment with the configuration of another embodiment, and it is also possible to add the configuration of another embodiment to the configuration of one embodiment. In addition, parts of the configuration of each embodiment may be added, deleted, or replaced with other configurations. [Explanation of Symbols]

[0095] 10…Program for calculating lifetime income and expenses 100...User terminals 120... Management Server 200... Family Data Sheet 300...Startup Sheet 400... First Family Timeline 500...Financial Account Checklist 600... Balance Sheet 700... Annual Income and Expense Calculation Sheet 800... Housing Loan Calculation Sheet 900... Education Fund Calculation Sheet 1000... Variety Funding Sheet 1100... Retirement fund calculation sheet 1200... Required insurance amount calculation sheet 1300... Funding Estimation Sheet 1400... Fund allocation sheet 1500... Annual Income and Expenditure Review Calculation Sheet 1600...Lifetime Income and Expenditure Statement 1700...Second Family Timeline

Claims

1. A management server connected to a user terminal via a network, The user terminal includes a sheet screen providing unit that provides sheet screens stored in the sheet screen storage unit, An input receiving unit that receives the sheet screen containing the input of predetermined items from the user terminal, The system includes an automated processing unit that performs lifetime income and expenditure calculation processing by carrying out the first to sixth input processing based on the input on the aforementioned sheet screen, Management server.

2. A management server according to claim 1, The aforementioned sheet screen includes a family data sheet, a startup sheet, a first family timeline, a financial account check sheet, a balance sheet, an annual income and expenditure calculation sheet, a housing fund calculation sheet, an education fund calculation sheet, a variety fund sheet, a retirement fund calculation sheet, a required insurance amount calculation sheet, a fund estimation sheet, a fund allocation sheet, an annual income and expenditure review calculation sheet, a lifetime income and expenditure statement, and a second family timeline. Management server.

3. In the management server according to claim 1 or claim 2, The system calculates lifetime income and expenses by having the user perform the first through sixth input processes. A program for calculating lifetime income and expenses.

4. A lifetime income and expenditure calculation method comprising a user terminal and a management server connected to the user terminal via a network, The management server provides the user terminal with a sheet screen stored in the sheet screen storage unit. The management server receives the sheet screen containing the input of predetermined items from the user terminal, The management server performs a lifetime income and expenditure calculation process by performing a first input process to a sixth input process based on the input on the sheet screen, Method for calculating lifetime income and expenses.

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