{
 "schema": "forecast-ledger-1",
 "note": "A made-up sample ledger for the browser demo at /forecast/. No real person, bank or merchant. Amounts in whole dollars; balance is the end-of-month cash balance.",
 "currency": "USD",
 "startBalance": 2400,
 "firstMonth": 1,
 "baseline": {
  "income": 4100,
  "loanPayment": 450
 },
 "months": [
  {
   "index": 0,
   "year": 1,
   "month": 1,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 573,
    "utilities": 178,
    "fuel": 168,
    "everyday": 508,
    "afterHolidays": 120
   },
   "spendTotal": 3947,
   "net": 153,
   "balance": 2553
  },
  {
   "index": 1,
   "year": 1,
   "month": 2,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 588,
    "utilities": 184,
    "fuel": 168,
    "everyday": 474
   },
   "spendTotal": 3814,
   "net": 286,
   "balance": 2839
  },
  {
   "index": 2,
   "year": 1,
   "month": 3,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 634,
    "utilities": 138,
    "fuel": 160,
    "everyday": 490,
    "taxes": 180
   },
   "spendTotal": 4002,
   "net": 98,
   "balance": 2937
  },
  {
   "index": 3,
   "year": 1,
   "month": 4,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 619,
    "utilities": 107,
    "fuel": 142,
    "everyday": 417
   },
   "spendTotal": 3685,
   "net": 415,
   "balance": 3352
  },
  {
   "index": 4,
   "year": 1,
   "month": 5,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 562,
    "utilities": 96,
    "fuel": 152,
    "everyday": 419,
    "repairs": 340
   },
   "spendTotal": 3969,
   "net": 131,
   "balance": 3483
  },
  {
   "index": 5,
   "year": 1,
   "month": 6,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 591,
    "utilities": 127,
    "fuel": 154,
    "everyday": 502
   },
   "spendTotal": 3774,
   "net": 326,
   "balance": 3809
  },
  {
   "index": 6,
   "year": 1,
   "month": 7,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 626,
    "utilities": 162,
    "fuel": 205,
    "everyday": 450,
    "travel": 420
   },
   "spendTotal": 4263,
   "net": -163,
   "balance": 3646
  },
  {
   "index": 7,
   "year": 1,
   "month": 8,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 528,
    "utilities": 151,
    "fuel": 197,
    "everyday": 404,
    "school": 260
   },
   "spendTotal": 3940,
   "net": 160,
   "balance": 3806
  },
  {
   "index": 8,
   "year": 1,
   "month": 9,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 617,
    "utilities": 119,
    "fuel": 170,
    "everyday": 554
   },
   "spendTotal": 3860,
   "net": 240,
   "balance": 4046
  },
  {
   "index": 9,
   "year": 1,
   "month": 10,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 547,
    "utilities": 107,
    "fuel": 140,
    "everyday": 542
   },
   "spendTotal": 3736,
   "net": 364,
   "balance": 4410
  },
  {
   "index": 10,
   "year": 1,
   "month": 11,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 557,
    "utilities": 142,
    "fuel": 141,
    "everyday": 357
   },
   "spendTotal": 3597,
   "net": 503,
   "balance": 4913
  },
  {
   "index": 11,
   "year": 1,
   "month": 12,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 622,
    "utilities": 169,
    "fuel": 156,
    "everyday": 466,
    "gifts": 650
   },
   "spendTotal": 4463,
   "net": -363,
   "balance": 4550
  },
  {
   "index": 12,
   "year": 2,
   "month": 1,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 527,
    "utilities": 180,
    "fuel": 155,
    "everyday": 548,
    "afterHolidays": 120
   },
   "spendTotal": 3930,
   "net": 170,
   "balance": 4720
  },
  {
   "index": 13,
   "year": 2,
   "month": 2,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 638,
    "utilities": 168,
    "fuel": 152,
    "everyday": 415,
    "repairs": 520
   },
   "spendTotal": 4293,
   "net": -193,
   "balance": 4527
  },
  {
   "index": 14,
   "year": 2,
   "month": 3,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 554,
    "utilities": 139,
    "fuel": 174,
    "everyday": 334,
    "taxes": 180
   },
   "spendTotal": 3781,
   "net": 319,
   "balance": 4846
  },
  {
   "index": 15,
   "year": 2,
   "month": 4,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 538,
    "utilities": 110,
    "fuel": 159,
    "everyday": 526
   },
   "spendTotal": 3733,
   "net": 367,
   "balance": 5213
  },
  {
   "index": 16,
   "year": 2,
   "month": 5,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 567,
    "utilities": 120,
    "fuel": 149,
    "everyday": 372
   },
   "spendTotal": 3608,
   "net": 492,
   "balance": 5705
  },
  {
   "index": 17,
   "year": 2,
   "month": 6,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 632,
    "utilities": 124,
    "fuel": 171,
    "everyday": 472
   },
   "spendTotal": 3799,
   "net": 301,
   "balance": 6006
  },
  {
   "index": 18,
   "year": 2,
   "month": 7,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 545,
    "utilities": 144,
    "fuel": 205,
    "everyday": 363,
    "travel": 420
   },
   "spendTotal": 4077,
   "net": 23,
   "balance": 6029
  },
  {
   "index": 19,
   "year": 2,
   "month": 8,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 554,
    "utilities": 153,
    "fuel": 181,
    "everyday": 432,
    "school": 260
   },
   "spendTotal": 3980,
   "net": 120,
   "balance": 6149
  },
  {
   "index": 20,
   "year": 2,
   "month": 9,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 604,
    "utilities": 134,
    "fuel": 149,
    "everyday": 522
   },
   "spendTotal": 3809,
   "net": 291,
   "balance": 6440
  },
  {
   "index": 21,
   "year": 2,
   "month": 10,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 552,
    "utilities": 106,
    "fuel": 179,
    "everyday": 400
   },
   "spendTotal": 3637,
   "net": 463,
   "balance": 6903
  },
  {
   "index": 22,
   "year": 2,
   "month": 11,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 562,
    "utilities": 135,
    "fuel": 146,
    "everyday": 465,
    "repairs": 280
   },
   "spendTotal": 3988,
   "net": 112,
   "balance": 7015
  },
  {
   "index": 23,
   "year": 2,
   "month": 12,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 574,
    "utilities": 174,
    "fuel": 158,
    "everyday": 385,
    "gifts": 650
   },
   "spendTotal": 4341,
   "net": -241,
   "balance": 6774
  },
  {
   "index": 24,
   "year": 3,
   "month": 1,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 523,
    "utilities": 183,
    "fuel": 147,
    "everyday": 364,
    "afterHolidays": 120
   },
   "spendTotal": 3737,
   "net": 363,
   "balance": 7137
  },
  {
   "index": 25,
   "year": 3,
   "month": 2,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 621,
    "utilities": 161,
    "fuel": 158,
    "everyday": 555
   },
   "spendTotal": 3895,
   "net": 205,
   "balance": 7342
  },
  {
   "index": 26,
   "year": 3,
   "month": 3,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 572,
    "utilities": 145,
    "fuel": 169,
    "everyday": 433,
    "taxes": 180
   },
   "spendTotal": 3899,
   "net": 201,
   "balance": 7543
  },
  {
   "index": 27,
   "year": 3,
   "month": 4,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 560,
    "utilities": 108,
    "fuel": 151,
    "everyday": 428
   },
   "spendTotal": 3647,
   "net": 453,
   "balance": 7996
  },
  {
   "index": 28,
   "year": 3,
   "month": 5,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 538,
    "utilities": 102,
    "fuel": 173,
    "everyday": 392
   },
   "spendTotal": 3605,
   "net": 495,
   "balance": 8491
  },
  {
   "index": 29,
   "year": 3,
   "month": 6,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 613,
    "utilities": 129,
    "fuel": 174,
    "everyday": 542
   },
   "spendTotal": 3858,
   "net": 242,
   "balance": 8733
  },
  {
   "index": 30,
   "year": 3,
   "month": 7,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 542,
    "utilities": 140,
    "fuel": 184,
    "everyday": 475,
    "travel": 420
   },
   "spendTotal": 4161,
   "net": -61,
   "balance": 8672
  },
  {
   "index": 31,
   "year": 3,
   "month": 8,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 593,
    "utilities": 150,
    "fuel": 182,
    "everyday": 407,
    "school": 260,
    "repairs": 610
   },
   "spendTotal": 4602,
   "net": -502,
   "balance": 8170
  },
  {
   "index": 32,
   "year": 3,
   "month": 9,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 537,
    "utilities": 111,
    "fuel": 177,
    "everyday": 345
   },
   "spendTotal": 3570,
   "net": 530,
   "balance": 8700
  },
  {
   "index": 33,
   "year": 3,
   "month": 10,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 639,
    "utilities": 114,
    "fuel": 141,
    "everyday": 551
   },
   "spendTotal": 3845,
   "net": 255,
   "balance": 8955
  },
  {
   "index": 34,
   "year": 3,
   "month": 11,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 629,
    "utilities": 143,
    "fuel": 163,
    "everyday": 482
   },
   "spendTotal": 3817,
   "net": 283,
   "balance": 9238
  },
  {
   "index": 35,
   "year": 3,
   "month": 12,
   "income": 4100,
   "spend": {
    "housing": 1450,
    "loan": 450,
    "car": 310,
    "phoneAndInsurance": 190,
    "groceries": 589,
    "utilities": 161,
    "fuel": 164,
    "everyday": 385,
    "gifts": 650
   },
   "spendTotal": 4349,
   "net": -249,
   "balance": 8989
  }
 ]
}