Soft magnetic alloy and magnetic component

A soft magnetic alloy comprising

• an internal area having a soft magnetic type alloy composition including Fe and P (phosphorous), and
• a P concentrated area existing closer to a surface side than the internal area and having a higher P concentration than in the internal area, wherein
• the internal area occupies at least 90 vol % of a volume of the soft magnetic alloy,
• an average thickness of the P concentrated area is 0.3 nm or more and 30 nm or less,
• the soft magnetic type alloy composition satisfies a compositional formula of ((Fe(1−(α+β)CoαNiβ)1-yX1γ)(1−(a+b+c+d+e)BaPbSicCdCre, X1 is at least one selected from Ti, Zr, Hf, Nb, Ta, Mo, W, Al, Ga, Ag, Zn, S, Ca, Mg, V, Sn, As, Sb, Bi, N, O, Au, Cu, rare earth elements, and platinum group elements, 0≤α≤0.700, 0≤β≤0.200, 0≤γ≤0.030, 0.720≤(1−(a+b+c+d+e))≤0.950, 0≤a≤0.200, 0.001≤b≤0.100, 0≤c≤0.150, 0≤d≤0.050, and 0≤e≤0.050.