redesigned algorith, use user specified retirement age
This commit is contained in:
parent
383625aede
commit
09e9485f2f
@ -32,23 +32,19 @@ import {
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YAxis,
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ReferenceLine,
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} from "recharts";
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import {
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Select,
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SelectContent,
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SelectItem,
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SelectTrigger,
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SelectValue,
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} from "@/components/ui/select";
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import { Slider } from "@/components/ui/slider";
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import assert from "assert";
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// Schema for form validation
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const formSchema = z.object({
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startingCapital: z.coerce
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.number()
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.min(0, "Starting capital must be a non-negative number"),
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startingCapital: z.coerce.number(),
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monthlySavings: z.coerce
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.number()
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.min(0, "Monthly savings must be a non-negative number"),
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currentAge: z.coerce.number().min(18, "Age must be at least 18"),
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currentAge: z.coerce
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.number()
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.min(1, "Age must be at least 1")
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.max(100, "No point in starting this late"),
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cagr: z.coerce.number().min(0, "Growth rate must be a non-negative number"),
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desiredMonthlyAllowance: z.coerce
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.number()
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@ -58,8 +54,12 @@ const formSchema = z.object({
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.min(0, "Inflation rate must be a non-negative number"),
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lifeExpectancy: z.coerce
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.number()
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.min(50, "Life expectancy must be at least 50"),
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retirementStrategy: z.enum(["Depletion", "Maintenance", "4% Rule"]),
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.min(40, "Be a bit more optimistic buddy :(")
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.max(100, "You should be more realistic..."),
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retirementAge: z.coerce
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.number()
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.min(18, "Retirement age must be at least 18")
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.max(100, "Retirement age must be at most 100"),
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});
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// Type for form values
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@ -71,16 +71,12 @@ interface YearlyData {
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balance: number;
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phase: "accumulation" | "retirement";
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monthlyAllowance: number;
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fireNumber: number | null;
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}
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interface CalculationResult {
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fireNumber: number | null;
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retirementAge: number | null;
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inflationAdjustedAllowance: number | null;
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retirementYears: number | null;
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yearlyData: YearlyData[];
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error?: string;
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yearlyData?: Record<string, YearlyData>;
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}
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export default function FireCalculatorForm() {
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@ -95,23 +91,14 @@ export default function FireCalculatorForm() {
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monthlySavings: 1500,
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currentAge: 25,
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cagr: 7,
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desiredMonthlyAllowance: 2000,
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desiredMonthlyAllowance: 3000,
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inflationRate: 2,
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lifeExpectancy: 84,
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retirementStrategy: "Depletion",
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retirementAge: 55,
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},
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});
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function onSubmit(values: FormValues) {
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/*
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PSEUDOCODE
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1. calculate all balances if no retirement.
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2. calculate all required FIRE numbers for each possible year of retirement for the selected strategy.
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2.1 calculate the monthly allowance for each year of retirement for all years, fire number is these but cumulative.
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3. binary search the crossover
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4. calculate new balance for each year of retirement
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5. graph balance, balance if no retirement, fire numbers, allowances
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*/
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setResult(null); // Reset previous results
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const startingCapital = values.startingCapital;
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@ -121,85 +108,72 @@ export default function FireCalculatorForm() {
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const initialMonthlyAllowance = values.desiredMonthlyAllowance;
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const annualInflation = 1 + values.inflationRate / 100;
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const ageOfDeath = values.lifeExpectancy;
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const retirementStrategy = values.retirementStrategy;
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const retirementAge = values.retirementAge;
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let requiredCapital: number | null = null;
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let retirementAge: number | null = null;
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let finalInflationAdjustedAllowance: number | null = null;
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// Array to store yearly data for the chart
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const yearlyData: YearlyData[] = [];
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// Array to store yearly data for the chart with initial value
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const yearlyData: Record<number, YearlyData> = {
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[irlYear]: {
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age: age,
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year: irlYear,
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balance: startingCapital,
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phase: "accumulation",
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monthlyAllowance: initialMonthlyAllowance,
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fireNumber: null,
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},
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};
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// calculate all balances if no retirement
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for (let year = irlYear + 1; year <= irlYear + ageOfDeath - age; year++) {
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const previousYearData = yearlyData[year - 1];
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if (!previousYearData) {
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continue;
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}
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yearlyData[year] = {
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age: age + year - irlYear,
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year: year,
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balance:
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previousYearData.balance * annualGrowthRate + monthlySavings * 12,
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phase: "accumulation",
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monthlyAllowance: previousYearData.monthlyAllowance * annualInflation,
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fireNumber: null,
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};
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}
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// calculate FIRE numbers based on allowances
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for (let year = irlYear + ageOfDeath - age; year >= irlYear; year--) {
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const yearData = yearlyData[year];
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if (!yearData) {
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continue;
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}
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yearData.fireNumber =
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(yearlyData[year + 1]?.fireNumber ?? 0) +
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12 * yearData.monthlyAllowance;
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}
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// calculate new balance and retirement age
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for (let year = irlYear; year <= irlYear + ageOfDeath - age; year++) {
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const yearData = yearlyData[year];
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const previousYearData = yearlyData[year - 1];
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if (!yearData?.fireNumber) {
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continue;
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}
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if (!previousYearData) {
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yearData.monthlyAllowance = 0;
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continue;
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}
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if (yearData.balance > yearData.fireNumber) {
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retirementAge ??= yearData.age;
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requiredCapital ??= yearData.balance;
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finalInflationAdjustedAllowance ??= yearData.monthlyAllowance;
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yearData.phase = "retirement";
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yearData.balance =
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previousYearData.balance * annualGrowthRate -
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yearData.monthlyAllowance * 12;
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} else {
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yearData.monthlyAllowance = 0;
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}
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}
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// --- Calculation Logic based on Strategy ---
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// --- Set Final Result ---
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setResult({
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fireNumber: requiredCapital,
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retirementAge: retirementAge,
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inflationAdjustedAllowance: finalInflationAdjustedAllowance,
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retirementYears: ageOfDeath - retirementAge,
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yearlyData: Object.values(yearlyData),
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error: undefined,
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// Initial year data
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yearlyData.push({
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age: age,
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year: irlYear,
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balance: startingCapital,
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phase: "accumulation",
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monthlyAllowance: initialMonthlyAllowance,
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});
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// Calculate accumulation phase (before retirement)
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for (let year = irlYear + 1; year <= irlYear + (ageOfDeath - age); year++) {
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const currentAge = age + (year - irlYear);
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const previousYearData = yearlyData[yearlyData.length - 1];
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const inflatedAllowance =
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initialMonthlyAllowance * Math.pow(annualInflation, year - irlYear);
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const isRetirementYear = currentAge >= retirementAge;
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const phase = isRetirementYear ? "retirement" : "accumulation";
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assert(!!previousYearData);
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// Calculate balance based on phase
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let newBalance;
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if (phase === "accumulation") {
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// During accumulation: grow previous balance + add savings
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newBalance =
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previousYearData.balance * annualGrowthRate + monthlySavings * 12;
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} else {
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// During retirement: grow previous balance - withdraw allowance
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newBalance =
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previousYearData.balance * annualGrowthRate - inflatedAllowance * 12;
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}
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yearlyData.push({
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age: currentAge,
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year: year,
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balance: newBalance,
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phase: phase,
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monthlyAllowance: inflatedAllowance,
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});
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}
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// Calculate FIRE number at retirement
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const retirementYear = irlYear + (retirementAge - age);
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const retirementIndex = yearlyData.findIndex(
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(data) => data.year === retirementYear,
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);
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const retirementData = yearlyData[retirementIndex];
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if (retirementIndex === -1 || !retirementData) {
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setResult({
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fireNumber: null,
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error: "Could not calculate retirement data",
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yearlyData: yearlyData,
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});
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} else {
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// Set the result
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setResult({
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fireNumber: retirementData.balance,
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yearlyData: yearlyData,
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});
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}
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}
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// Helper function to format currency without specific symbols
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@ -274,6 +248,23 @@ export default function FireCalculatorForm() {
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</FormItem>
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)}
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/>
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<FormField
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control={form.control}
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name="lifeExpectancy"
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render={({ field }) => (
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<FormItem>
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<FormLabel>Life Expectancy (Age)</FormLabel>
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<FormControl>
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<Input
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placeholder="e.g., 90"
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type="number"
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{...field}
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/>
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</FormControl>
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<FormMessage />
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</FormItem>
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)}
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/>
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<FormField
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control={form.control}
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name="cagr"
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@ -292,6 +283,24 @@ export default function FireCalculatorForm() {
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</FormItem>
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)}
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/>
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<FormField
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control={form.control}
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name="inflationRate"
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render={({ field }) => (
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<FormItem>
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<FormLabel>Annual Inflation Rate (%)</FormLabel>
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<FormControl>
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<Input
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placeholder="e.g., 2"
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type="number"
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step="0.1"
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{...field}
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/>
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</FormControl>
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<FormMessage />
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</FormItem>
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)}
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/>
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<FormField
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control={form.control}
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name="desiredMonthlyAllowance"
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@ -311,73 +320,187 @@ export default function FireCalculatorForm() {
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</FormItem>
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)}
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/>
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{/* Retirement Age Slider */}
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<FormField
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control={form.control}
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name="inflationRate"
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name="retirementAge"
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render={({ field }) => (
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<FormItem>
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<FormLabel>Annual Inflation Rate (%)</FormLabel>
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<FormLabel>Retirement Age: {field.value}</FormLabel>
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<FormControl>
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<Input
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placeholder="e.g., 2"
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type="number"
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step="0.1"
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{...field}
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<Slider
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value={[field.value]}
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min={form.getValues().currentAge + 1}
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max={form.getValues().lifeExpectancy - 1}
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step={1}
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onValueChange={field.onChange}
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className="py-4"
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/>
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</FormControl>
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<FormMessage />
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</FormItem>
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)}
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/>
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<FormField
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control={form.control}
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name="lifeExpectancy"
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render={({ field }) => (
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<FormItem>
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<FormLabel>Life Expectancy (Age)</FormLabel>
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<FormControl>
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<Input
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placeholder="e.g., 90"
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type="number"
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{...field}
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/>
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</FormControl>
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<FormMessage />
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</FormItem>
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)}
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/>
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<FormField
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control={form.control}
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name="retirementStrategy"
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render={({ field }) => (
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<FormItem>
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<FormLabel>Retirement Strategy</FormLabel>
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<Select
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onValueChange={field.onChange}
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defaultValue={field.value}
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>
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<FormControl>
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<SelectTrigger>
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<SelectValue placeholder="Select a retirement strategy" />
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</SelectTrigger>
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</FormControl>
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<SelectContent>
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<SelectItem value="Depletion">Depletion</SelectItem>
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<SelectItem value="Maintenance">
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Maintenance
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</SelectItem>
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<SelectItem value="4% Rule">4% Rule</SelectItem>
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</SelectContent>
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</Select>
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<FormMessage />
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</FormItem>
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)}
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/>
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<FormItem className="col-span-full"></FormItem>
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</div>
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<Button type="submit" className="w-full">
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Calculate
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</Button>
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{result?.yearlyData && (
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<Card className="rounded-md shadow-none">
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<CardHeader>
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<CardTitle>Financial Projection</CardTitle>
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<CardDescription>
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Projected balance growth with your selected retirement age
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</CardDescription>
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</CardHeader>
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<CardContent>
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<ChartContainer
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className="aspect-auto h-80 w-full"
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config={{
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balance: {
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label: "Balance",
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color: "var(--chart-1)",
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},
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realBalance: {
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label: "Real Balance",
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color: "var(--chart-3)",
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},
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}}
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>
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<AreaChart
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data={result.yearlyData}
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margin={{ top: 20, right: 30, left: 20, bottom: 20 }}
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>
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<CartesianGrid strokeDasharray="3 3" />
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<XAxis
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dataKey="year"
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label={{
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value: "Year",
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position: "insideBottom",
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offset: -10,
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}}
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/>
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<YAxis
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tickFormatter={(value: number) => {
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if (value >= 1000000) {
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return `${(value / 1000000).toPrecision(3)}M`;
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} else if (value >= 1000) {
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return `${(value / 1000).toPrecision(3)}K`;
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} else if (value <= -1000000) {
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return `${(value / 1000000).toPrecision(3)}M`;
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} else if (value <= -1000) {
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return `${(value / 1000).toPrecision(3)}K`;
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}
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return value.toString();
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}}
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width={25}
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/>
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<ChartTooltip
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content={({ active, payload }) => {
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if (active && payload?.[0]?.payload) {
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const data = payload[0]
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.payload as (typeof result.yearlyData)[0];
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return (
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<div className="bg-background border p-2 shadow-sm">
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<p className="font-medium">{`Year: ${data.year.toString()} (Age: ${data.age.toString()})`}</p>
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<p className="text-chart-1">{`Balance: ${formatNumber(data.balance)}`}</p>
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<p className="text-chart-2">{`Monthly allowance: ${formatNumber(data.monthlyAllowance)}`}</p>
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<p>{`Phase: ${data.phase === "accumulation" ? "Accumulation" : "Retirement"}`}</p>
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</div>
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);
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}
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return null;
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}}
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/>
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<defs>
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<linearGradient
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id="fillBalance"
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x1="0"
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y1="0"
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x2="0"
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y2="1"
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>
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<stop
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offset="5%"
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stopColor="var(--chart-1)"
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stopOpacity={0.8}
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/>
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<stop
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offset="95%"
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stopColor="var(--chart-1)"
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stopOpacity={0.1}
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/>
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</linearGradient>
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<linearGradient
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id="fillAllowance"
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x1="0"
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y1="0"
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x2="0"
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y2="1"
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>
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<stop
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offset="5%"
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stopColor="var(--chart-2)"
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stopOpacity={0.8}
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/>
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<stop
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offset="95%"
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stopColor="var(--chart-2)"
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stopOpacity={0.1}
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/>
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</linearGradient>
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</defs>
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<Area
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type="monotone"
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dataKey="balance"
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name="balance"
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stroke="var(--chart-1)"
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fill="url(#fillBalance)"
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fillOpacity={0.4}
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activeDot={{ r: 6 }}
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/>
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<Area
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type="monotone"
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dataKey="monthlyAllowance"
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name="allowance"
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stroke="var(--chart-2)"
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fill="url(#fillAllowance)"
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fillOpacity={0.4}
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activeDot={{ r: 6 }}
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/>
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{result.fireNumber && (
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<ReferenceLine
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y={result.fireNumber}
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stroke="var(--chart-3)"
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strokeWidth={1}
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strokeDasharray="2 2"
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label={{
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value: "FIRE Number",
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position: "insideBottomRight",
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}}
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/>
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)}
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<ReferenceLine
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x={
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irlYear +
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(form.getValues().retirementAge -
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form.getValues().currentAge)
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}
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stroke="var(--chart-2)"
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strokeWidth={2}
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label={{
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value: "Retirement",
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position: "insideTopRight",
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}}
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/>
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</AreaChart>
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</ChartContainer>
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</CardContent>
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</Card>
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)}
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</form>
|
||||
</Form>
|
||||
</CardContent>
|
||||
@ -397,8 +520,7 @@ export default function FireCalculatorForm() {
|
||||
<CardHeader>
|
||||
<CardTitle>FIRE Number</CardTitle>
|
||||
<CardDescription className="text-xs">
|
||||
Required capital at retirement using{" "}
|
||||
{form.getValues().retirementStrategy}
|
||||
Capital at retirement
|
||||
</CardDescription>
|
||||
</CardHeader>
|
||||
<CardContent>
|
||||
@ -410,233 +532,22 @@ export default function FireCalculatorForm() {
|
||||
|
||||
<Card>
|
||||
<CardHeader>
|
||||
<CardTitle>Retirement Age</CardTitle>
|
||||
<CardTitle>Retirement Duration</CardTitle>
|
||||
<CardDescription className="text-xs">
|
||||
Estimated age when you can retire
|
||||
Years to enjoy your financial independence
|
||||
</CardDescription>
|
||||
</CardHeader>
|
||||
<CardContent>
|
||||
<p className="text-3xl font-bold">
|
||||
{result.retirementAge ?? "N/A"}
|
||||
{form.getValues().lifeExpectancy -
|
||||
form.getValues().retirementAge}
|
||||
</p>
|
||||
</CardContent>
|
||||
</Card>
|
||||
|
||||
{result.inflationAdjustedAllowance && (
|
||||
<Card>
|
||||
<CardHeader>
|
||||
<CardTitle>Monthly Allowance</CardTitle>
|
||||
<CardDescription className="text-xs">
|
||||
At retirement (inflation adjusted)
|
||||
</CardDescription>
|
||||
</CardHeader>
|
||||
<CardContent>
|
||||
<p className="text-3xl font-bold">
|
||||
{formatNumber(result.inflationAdjustedAllowance)}
|
||||
</p>
|
||||
</CardContent>
|
||||
</Card>
|
||||
)}
|
||||
|
||||
{result.retirementYears && (
|
||||
<Card>
|
||||
<CardHeader>
|
||||
<CardTitle>Retirement Duration</CardTitle>
|
||||
<CardDescription className="text-xs">
|
||||
Years in retirement
|
||||
</CardDescription>
|
||||
</CardHeader>
|
||||
<CardContent>
|
||||
<p className="text-3xl font-bold">
|
||||
{result.retirementYears}
|
||||
</p>
|
||||
</CardContent>
|
||||
</Card>
|
||||
)}
|
||||
</>
|
||||
)}
|
||||
</div>
|
||||
)}
|
||||
|
||||
{result?.yearlyData && (
|
||||
<Card>
|
||||
<CardHeader>
|
||||
<CardTitle>Financial Projection</CardTitle>
|
||||
<CardDescription>
|
||||
Projected balance growth and FIRE number threshold
|
||||
</CardDescription>
|
||||
</CardHeader>
|
||||
<CardContent>
|
||||
<ChartContainer
|
||||
className="aspect-auto h-80 w-full"
|
||||
config={{
|
||||
balance: {
|
||||
label: "Balance",
|
||||
color: "var(--chart-1)",
|
||||
},
|
||||
fireNumber: {
|
||||
label: "FIRE Number",
|
||||
color: "var(--chart-2)",
|
||||
},
|
||||
realBalance: {
|
||||
label: "Real Balance",
|
||||
color: "var(--chart-3)",
|
||||
},
|
||||
}}
|
||||
>
|
||||
<AreaChart
|
||||
data={result.yearlyData}
|
||||
margin={{ top: 20, right: 30, left: 20, bottom: 20 }}
|
||||
>
|
||||
<CartesianGrid strokeDasharray="3 3" />
|
||||
<XAxis
|
||||
dataKey="year"
|
||||
label={{
|
||||
value: "Year",
|
||||
position: "insideBottom",
|
||||
offset: -10,
|
||||
}}
|
||||
/>
|
||||
<YAxis
|
||||
tickFormatter={(value: number) => {
|
||||
if (value >= 1000000) {
|
||||
return `${(value / 1000000).toPrecision(3)}M`;
|
||||
} else if (value >= 1000) {
|
||||
return `${(value / 1000).toPrecision(3)}K`;
|
||||
}
|
||||
return value.toString();
|
||||
}}
|
||||
width={25}
|
||||
/>
|
||||
<ChartTooltip
|
||||
content={({ active, payload }) => {
|
||||
if (active && payload?.[0]?.payload) {
|
||||
const data = payload[0]
|
||||
.payload as (typeof result.yearlyData)[0];
|
||||
return (
|
||||
<div className="bg-background border p-2 shadow-sm">
|
||||
<p className="font-medium">{`Year: ${data.year.toString()} (Age: ${data.age.toString()})`}</p>
|
||||
<p className="text-chart-1">{`Balance: ${formatNumber(data.balance)}`}</p>
|
||||
<p className="text-chart-2">{`FIRE number: ${formatNumber(data.fireNumber)}`}</p>
|
||||
<p className="text-chart-4">{`Monthly allowance: ${formatNumber(data.monthlyAllowance)}`}</p>
|
||||
{result.fireNumber !== null && (
|
||||
<p className="text-destructive">{`Target FIRE Number: ${formatNumber(result.fireNumber)}`}</p>
|
||||
)}
|
||||
<p>{`Phase: ${data.phase === "accumulation" ? "Accumulation" : "Retirement"}`}</p>
|
||||
</div>
|
||||
);
|
||||
}
|
||||
return null;
|
||||
}}
|
||||
/>
|
||||
<defs>
|
||||
<linearGradient id="fillBalance" x1="0" y1="0" x2="0" y2="1">
|
||||
<stop
|
||||
offset="5%"
|
||||
stopColor="var(--chart-1)"
|
||||
stopOpacity={0.8}
|
||||
/>
|
||||
<stop
|
||||
offset="95%"
|
||||
stopColor="var(--chart-1)"
|
||||
stopOpacity={0.1}
|
||||
/>
|
||||
</linearGradient>
|
||||
<linearGradient
|
||||
id="fillFireNumber"
|
||||
x1="0"
|
||||
y1="0"
|
||||
x2="0"
|
||||
y2="1"
|
||||
>
|
||||
<stop
|
||||
offset="5%"
|
||||
stopColor="var(--chart-2)"
|
||||
stopOpacity={0.8}
|
||||
/>
|
||||
<stop
|
||||
offset="95%"
|
||||
stopColor="var(--chart-2)"
|
||||
stopOpacity={0.1}
|
||||
/>
|
||||
</linearGradient>
|
||||
<linearGradient
|
||||
id="fillAllowance"
|
||||
x1="0"
|
||||
y1="0"
|
||||
x2="0"
|
||||
y2="1"
|
||||
>
|
||||
<stop
|
||||
offset="5%"
|
||||
stopColor="var(--chart-4)"
|
||||
stopOpacity={0.8}
|
||||
/>
|
||||
<stop
|
||||
offset="95%"
|
||||
stopColor="var(--chart-4)"
|
||||
stopOpacity={0.1}
|
||||
/>
|
||||
</linearGradient>
|
||||
</defs>
|
||||
<Area
|
||||
type="monotone"
|
||||
dataKey="balance"
|
||||
name="balance"
|
||||
stroke="var(--chart-1)"
|
||||
fill="url(#fillBalance)"
|
||||
fillOpacity={0.4}
|
||||
activeDot={{ r: 6 }}
|
||||
/>
|
||||
<Area
|
||||
type="monotone"
|
||||
dataKey="fireNumber"
|
||||
name="fireNumber"
|
||||
stroke="var(--chart-2)"
|
||||
fill="url(#fillFireNumber)"
|
||||
fillOpacity={0.4}
|
||||
activeDot={{ r: 6 }}
|
||||
/>
|
||||
<Area
|
||||
type="monotone"
|
||||
dataKey="monthlyAllowance"
|
||||
name="allowance"
|
||||
stroke="var(--chart-4)"
|
||||
fill="url(#fillAllowance)"
|
||||
fillOpacity={0.4}
|
||||
activeDot={{ r: 6 }}
|
||||
/>
|
||||
{result.fireNumber && (
|
||||
<ReferenceLine
|
||||
y={result.fireNumber}
|
||||
stroke="var(--chart-3)"
|
||||
strokeWidth={2}
|
||||
strokeDasharray="5 5"
|
||||
label={{
|
||||
value: "FIRE Number",
|
||||
position: "insideBottomRight",
|
||||
}}
|
||||
/>
|
||||
)}
|
||||
{result.retirementAge && (
|
||||
<ReferenceLine
|
||||
x={
|
||||
irlYear +
|
||||
(result.retirementAge - form.getValues().currentAge)
|
||||
}
|
||||
stroke="var(--chart-2)"
|
||||
strokeWidth={2}
|
||||
label={{
|
||||
value: "Retirement",
|
||||
position: "insideTopRight",
|
||||
}}
|
||||
/>
|
||||
)}
|
||||
</AreaChart>
|
||||
</ChartContainer>
|
||||
</CardContent>
|
||||
</Card>
|
||||
)}
|
||||
</>
|
||||
);
|
||||
}
|
||||
|
||||
Loading…
x
Reference in New Issue
Block a user