{
  "format": "henthu-plan", "version": 1, "locale": "de", "currency": "EUR", "budgetMonth": "2026-10",
  "modelName": "Üblicher Monatsplan", "income": "4200.00",
  "accounts": [{ "key": "hauptkonto", "name": "Hauptkonto", "country": "LU", "salary": true }],
  "pockets": [{ "key": "autoversicherung", "name": "Autoversicherung", "account": "hauptkonto", "goal": { "target": "960.00", "dueDate": "2027-06-15", "repeatMonths": 12 } }],
  "recurringItems": [
    { "key": "miete", "name": "Miete", "type": "essential", "amount": "1250.00", "account": "hauptkonto", "recurrence": "monthly", "dueDay": 1, "provisionMonthly": false },
    { "key": "versicherung", "name": "Autoversicherung", "type": "project", "amount": "960.00", "account": "hauptkonto", "pocket": "autoversicherung", "recurrence": "yearly", "dueDay": 15, "provisionMonthly": true }
  ],
  "oneOffItems": []
}