{
  "schema": "family-ledger-v2",
  "name": "示例账本（6个月趋势演示）",
  "createdAt": "2026-01-01T00:00:00.000Z",
  "months": {
    "2026-01": {
      "balance": [
        {"id":"cash-cny","cls":"cash","group":"现金","name":"招商银行·活期","account":"招商银行","currency":"CNY","value":108000},
        {"id":"cash-usd","cls":"cash","group":"现金","name":"盈透证券·美元余额","account":"盈透证券","currency":"USD","value":2200},
        {"id":"stock-voo","cls":"stock","group":"美股","name":"VOO","account":"盈透证券","currency":"USD","qty":12,"price":545,"auto":true,"market":"US","symbol":"VOO","priceStatus":"ok","priceAt":"2026-01-30(历史收盘)"},
        {"id":"stock-moutai","cls":"stock","group":"A股","name":"贵州茅台","account":"招商证券","currency":"CNY","qty":30,"price":1500,"auto":true,"market":"CN","symbol":"600519","priceStatus":"ok","priceAt":"2026-01-30(历史收盘)"},
        {"id":"fund-gold","cls":"fund","group":"基金","name":"黄金 ETF","account":"支付宝","currency":"CNY","value":38000,"manualPriceAt":"2026-01"},
        {"id":"home","cls":"fixed","group":"固定资产","name":"自住房","currency":"CNY","value":1800000,"manualPriceAt":"2026-01"},
        {"id":"mortgage","cls":"liability","group":"负债","name":"住房贷款","account":"招商银行","currency":"CNY","value":820000}
      ],
      "flows":[
        {"id":"jan-income","kind":"income","date":"2026-01-09","subcat":"工资","amount":32000,"currency":"CNY","toIdx":0,"note":"演示收入"},
        {"id":"jan-expense","kind":"expense","date":"2026-01-22","subcat":"日常","amount":9800,"currency":"CNY","fromIdx":0,"note":"演示支出"},
        {"id":"jan-repay","kind":"repay","date":"2026-01-28","amount":4500,"currency":"CNY","fromIdx":0,"toIdx":6,"note":"演示还款"}
      ],
      "fxRates":{"CNY":1,"USD":7.16,"_status":{"USD":"ok"},"_date":"2026-01-30"}
    },
    "2026-02": {
      "balance": [
        {"id":"cash-cny","cls":"cash","group":"现金","name":"招商银行·活期","account":"招商银行","currency":"CNY","value":126000},
        {"id":"cash-usd","cls":"cash","group":"现金","name":"盈透证券·美元余额","account":"盈透证券","currency":"USD","value":2900},
        {"id":"stock-voo","cls":"stock","group":"美股","name":"VOO","account":"盈透证券","currency":"USD","qty":12,"price":560,"auto":true,"market":"US","symbol":"VOO","priceStatus":"ok","priceAt":"2026-02-27(历史收盘)"},
        {"id":"stock-moutai","cls":"stock","group":"A股","name":"贵州茅台","account":"招商证券","currency":"CNY","qty":30,"price":1480,"auto":true,"market":"CN","symbol":"600519","priceStatus":"ok","priceAt":"2026-02-27(历史收盘)"},
        {"id":"fund-gold","cls":"fund","group":"基金","name":"黄金 ETF","account":"支付宝","currency":"CNY","value":40500,"manualPriceAt":"2026-02"},
        {"id":"home","cls":"fixed","group":"固定资产","name":"自住房","currency":"CNY","value":1800000,"manualPriceAt":"2026-02"},
        {"id":"mortgage","cls":"liability","group":"负债","name":"住房贷款","account":"招商银行","currency":"CNY","value":815500}
      ],
      "flows":[
        {"id":"feb-income","kind":"income","date":"2026-02-10","subcat":"工资","amount":32000,"currency":"CNY","toIdx":0,"note":"演示收入"},
        {"id":"feb-expense","kind":"expense","date":"2026-02-16","subcat":"旅行","amount":7600,"currency":"CNY","fromIdx":0,"note":"演示支出"},
        {"id":"feb-transfer","kind":"transfer","date":"2026-02-20","amount":14000,"toAmount":1950,"currency":"CNY","toCurrency":"USD","fxRate":0.1393,"fromIdx":0,"toIdx":1,"note":"换汇至美元账户"}
      ],
      "fxRates":{"CNY":1,"USD":7.18,"_status":{"USD":"ok"},"_date":"2026-02-27"},
      "copiedFrom":"2026-01"
    },
    "2026-03": {
      "balance": [
        {"id":"cash-cny","cls":"cash","group":"现金","name":"招商银行·活期","account":"招商银行","currency":"CNY","value":103000},
        {"id":"cash-usd","cls":"cash","group":"现金","name":"盈透证券·美元余额","account":"盈透证券","currency":"USD","value":1750},
        {"id":"stock-voo","cls":"stock","group":"美股","name":"VOO","account":"盈透证券","currency":"USD","qty":14,"price":540,"auto":true,"market":"US","symbol":"VOO","priceStatus":"ok","priceAt":"2026-03-31(历史收盘)"},
        {"id":"stock-moutai","cls":"stock","group":"A股","name":"贵州茅台","account":"招商证券","currency":"CNY","qty":30,"price":1525,"auto":true,"market":"CN","symbol":"600519","priceStatus":"ok","priceAt":"2026-03-31(历史收盘)"},
        {"id":"fund-gold","cls":"fund","group":"基金","name":"黄金 ETF","account":"支付宝","currency":"CNY","value":43000,"manualPriceAt":"2026-03"},
        {"id":"home","cls":"fixed","group":"固定资产","name":"自住房","currency":"CNY","value":1805000,"manualPriceAt":"2026-03"},
        {"id":"mortgage","cls":"liability","group":"负债","name":"住房贷款","account":"招商银行","currency":"CNY","value":811000}
      ],
      "flows":[
        {"id":"mar-income","kind":"income","date":"2026-03-10","subcat":"工资","amount":32000,"currency":"CNY","toIdx":0,"note":"演示收入"},
        {"id":"mar-buy","kind":"buy","date":"2026-03-18","amount":10500,"holdingAmount":1460,"currency":"CNY","holdingCurrency":"USD","qty":2,"price":730,"fxRate":7.19,"fromIdx":0,"toIdx":2,"note":"买入美股 ETF"},
        {"id":"mar-expense","kind":"expense","date":"2026-03-25","subcat":"日常","amount":8800,"currency":"CNY","fromIdx":0,"note":"演示支出"}
      ],
      "fxRates":{"CNY":1,"USD":7.19,"_status":{"USD":"ok"},"_date":"2026-03-31"},
      "copiedFrom":"2026-02"
    },
    "2026-04": {
      "balance": [
        {"id":"cash-cny","cls":"cash","group":"现金","name":"招商银行·活期","account":"招商银行","currency":"CNY","value":138000},
        {"id":"cash-usd","cls":"cash","group":"现金","name":"盈透证券·美元余额","account":"盈透证券","currency":"USD","value":1600},
        {"id":"stock-voo","cls":"stock","group":"美股","name":"VOO","account":"盈透证券","currency":"USD","qty":14,"price":575,"auto":true,"market":"US","symbol":"VOO","priceStatus":"ok","priceAt":"2026-04-30(历史收盘)"},
        {"id":"stock-moutai","cls":"stock","group":"A股","name":"贵州茅台","account":"招商证券","currency":"CNY","qty":32,"price":1570,"auto":true,"market":"CN","symbol":"600519","priceStatus":"ok","priceAt":"2026-04-30(历史收盘)"},
        {"id":"fund-gold","cls":"fund","group":"基金","name":"黄金 ETF","account":"支付宝","currency":"CNY","value":45000,"manualPriceAt":"2026-04"},
        {"id":"home","cls":"fixed","group":"固定资产","name":"自住房","currency":"CNY","value":1805000,"manualPriceAt":"2026-04"},
        {"id":"mortgage","cls":"liability","group":"负债","name":"住房贷款","account":"招商银行","currency":"CNY","value":806500}
      ],
      "flows":[
        {"id":"apr-income","kind":"income","date":"2026-04-10","subcat":"工资","amount":32000,"currency":"CNY","toIdx":0,"note":"演示收入"},
        {"id":"apr-buy","kind":"buy","date":"2026-04-17","amount":3100,"currency":"CNY","qty":2,"price":1550,"fromIdx":0,"toIdx":3,"note":"调仓买入 A 股"},
        {"id":"apr-repay","kind":"repay","date":"2026-04-28","amount":4500,"currency":"CNY","fromIdx":0,"toIdx":6,"note":"演示还款"}
      ],
      "fxRates":{"CNY":1,"USD":7.21,"_status":{"USD":"ok"},"_date":"2026-04-30"},
      "copiedFrom":"2026-03"
    },
    "2026-05": {
      "balance": [
        {"id":"cash-cny","cls":"cash","group":"现金","name":"招商银行·活期","account":"招商银行","currency":"CNY","value":121000},
        {"id":"cash-usd","cls":"cash","group":"现金","name":"盈透证券·美元余额","account":"盈透证券","currency":"USD","value":2550},
        {"id":"stock-voo","cls":"stock","group":"美股","name":"VOO","account":"盈透证券","currency":"USD","qty":13,"price":590,"auto":true,"market":"US","symbol":"VOO","priceStatus":"ok","priceAt":"2026-05-29(历史收盘)"},
        {"id":"stock-moutai","cls":"stock","group":"A股","name":"贵州茅台","account":"招商证券","currency":"CNY","qty":32,"price":1540,"auto":true,"market":"CN","symbol":"600519","priceStatus":"ok","priceAt":"2026-05-29(历史收盘)"},
        {"id":"fund-gold","cls":"fund","group":"基金","name":"黄金 ETF","account":"支付宝","currency":"CNY","value":47000,"manualPriceAt":"2026-05"},
        {"id":"home","cls":"fixed","group":"固定资产","name":"自住房","currency":"CNY","value":1810000,"manualPriceAt":"2026-05"},
        {"id":"mortgage","cls":"liability","group":"负债","name":"住房贷款","account":"招商银行","currency":"CNY","value":802000}
      ],
      "flows":[
        {"id":"may-income","kind":"income","date":"2026-05-10","subcat":"工资","amount":32000,"currency":"CNY","toIdx":0,"note":"演示收入"},
        {"id":"may-expense","kind":"expense","date":"2026-05-19","subcat":"购物","amount":12800,"currency":"CNY","fromIdx":0,"note":"演示支出"},
        {"id":"may-sell","kind":"sell","date":"2026-05-26","amount":620,"holdingAmount":85,"currency":"CNY","holdingCurrency":"USD","qty":1,"price":85,"fxRate":7.29,"fromIdx":2,"toIdx":0,"note":"卖出部分美股 ETF"}
      ],
      "fxRates":{"CNY":1,"USD":7.23,"_status":{"USD":"ok"},"_date":"2026-05-29"},
      "copiedFrom":"2026-04"
    },
    "2026-06": {
      "balance": [
        {"id":"cash-cny","cls":"cash","group":"现金","name":"招商银行·活期","account":"招商银行","currency":"CNY","value":146000},
        {"id":"cash-usd","cls":"cash","group":"现金","name":"盈透证券·美元余额","account":"盈透证券","currency":"USD","value":1880},
        {"id":"stock-voo","cls":"stock","group":"美股","name":"VOO","account":"盈透证券","currency":"USD","qty":15,"price":610,"auto":true,"market":"US","symbol":"VOO","priceStatus":"ok","priceAt":"2026-06-30(历史收盘)"},
        {"id":"stock-moutai","cls":"stock","group":"A股","name":"贵州茅台","account":"招商证券","currency":"CNY","qty":30,"price":1605,"auto":true,"market":"CN","symbol":"600519","priceStatus":"ok","priceAt":"2026-06-30(历史收盘)"},
        {"id":"fund-gold","cls":"fund","group":"基金","name":"黄金 ETF","account":"支付宝","currency":"CNY","value":49500,"manualPriceAt":"2026-06"},
        {"id":"home","cls":"fixed","group":"固定资产","name":"自住房","currency":"CNY","value":1810000,"manualPriceAt":"2026-06"},
        {"id":"mortgage","cls":"liability","group":"负债","name":"住房贷款","account":"招商银行","currency":"CNY","value":797500}
      ],
      "flows":[
        {"id":"jun-income","kind":"income","date":"2026-06-10","subcat":"工资","amount":32000,"currency":"CNY","toIdx":0,"note":"演示收入"},
        {"id":"jun-dividend","kind":"dividend","date":"2026-06-13","holdingAmount":45,"holdingCurrency":"USD","amount":326.25,"currency":"CNY","fxRate":7.25,"fromIdx":2,"toIdx":0,"note":"VOO 季度分红"},
        {"id":"jun-buy","kind":"buy","date":"2026-06-16","amount":9300,"holdingAmount":1280,"currency":"CNY","holdingCurrency":"USD","qty":2,"price":640,"fxRate":7.27,"fromIdx":0,"toIdx":2,"note":"买入美股 ETF"},
        {"id":"jun-expense","kind":"expense","date":"2026-06-22","subcat":"保险","amount":6200,"currency":"CNY","fromIdx":0,"note":"演示支出"},
        {"id":"jun-repay","kind":"repay","date":"2026-06-28","amount":4500,"currency":"CNY","fromIdx":0,"toIdx":6,"note":"演示还款"}
      ],
      "fxRates":{"CNY":1,"USD":7.25,"_status":{"USD":"ok"},"_date":"2026-06-30"},
      "copiedFrom":"2026-05"
    }
  }
}