{
  "version": 3,
  "scenarios": [
    {
      "id": "example-kim-one-off-pension-withdrawal",
      "name": "Example: Kim pays £80,000 for home improvements from a pension",
      "plan": {
        "version": 3,
        "household": {
          "relationship": "single",
          "spending": {
            "annual": 32000
          },
          "housing": {
            "mode": "own_outright",
            "homeValue": 400000
          },
          "events": [
            {
              "id": "event-home-improvements",
              "name": "Home improvements",
              "kind": "expense",
              "amount": 80000,
              "year": 2027
            }
          ]
        },
        "people": [
          {
            "id": "p1",
            "name": "Kim",
            "birthYear": 1959,
            "birthMonth": 9,
            "lifeExpectancy": 90,
            "employment": {
              "salary": 0,
              "retirementAge": 67
            },
            "definedBenefitPensions": [
              {
                "id": "db-former-employer",
                "name": "Former employer pension",
                "annualIncome": 18000,
                "startAge": 65
              }
            ],
            "pensions": [
              {
                "id": "pension-personal",
                "name": "Personal pension",
                "kind": "sipp",
                "balance": 320000,
                "growthRate": 5,
                "annualFeePercent": 0.5
              }
            ],
            "pensionWithdrawal": {
              "taxFreeCashMode": "ufpls"
            }
          }
        ],
        "accounts": [
          {
            "id": "cash-savings",
            "name": "Easy access savings",
            "type": "cash",
            "owner": "p1",
            "balance": 15000,
            "growthRate": 3
          }
        ]
      }
    }
  ]
}