add optional "show 4%-rule" button with extra cards and reference lines
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@ -73,12 +73,16 @@ interface YearlyData {
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age: number;
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year: number;
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balance: number;
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untouchedBalance: number;
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phase: "accumulation" | "retirement";
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monthlyAllowance: number;
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untouchedMonthlyAllowance: number;
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}
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interface CalculationResult {
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fireNumber: number | null;
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fireNumber4percent: number | null;
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retirementAge4percent: number | null;
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yearlyData: YearlyData[];
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error?: string;
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}
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@ -101,8 +105,8 @@ const tooltipRenderer = ({
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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 className="text-orange-500">{`Balance: ${formatNumber(data.balance)}`}</p>
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<p className="text-red-600">{`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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@ -113,6 +117,7 @@ const tooltipRenderer = ({
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export default function FireCalculatorForm() {
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const [result, setResult] = useState<CalculationResult | null>(null);
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const irlYear = new Date().getFullYear();
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const [showing4percent, setShowing4percent] = useState(false);
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// Initialize form with default values
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const form = useForm<FormValues>({
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@ -149,8 +154,10 @@ export default function FireCalculatorForm() {
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age: age,
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year: irlYear,
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balance: startingCapital,
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untouchedBalance: startingCapital,
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phase: "accumulation",
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monthlyAllowance: initialMonthlyAllowance,
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monthlyAllowance: 0,
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untouchedMonthlyAllowance: initialMonthlyAllowance,
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});
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// Calculate accumulation phase (before retirement)
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@ -175,13 +182,18 @@ export default function FireCalculatorForm() {
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newBalance =
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previousYearData.balance * annualGrowthRate - inflatedAllowance * 12;
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}
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const untouchedBalance =
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previousYearData.untouchedBalance * annualGrowthRate +
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monthlySavings * 12;
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const allowance = phase === "retirement" ? inflatedAllowance : 0;
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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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untouchedBalance: untouchedBalance,
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phase: phase,
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monthlyAllowance: inflatedAllowance,
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monthlyAllowance: allowance,
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untouchedMonthlyAllowance: inflatedAllowance,
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});
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}
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@ -192,9 +204,23 @@ export default function FireCalculatorForm() {
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);
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const retirementData = yearlyData[retirementIndex];
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const [fireNumber4percent, retirementAge4percent] = (() => {
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for (const yearData of yearlyData) {
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if (
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yearData.untouchedBalance >
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(yearData.untouchedMonthlyAllowance * 12) / 0.04
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) {
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return [yearData.untouchedBalance, yearData.age];
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}
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}
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return [0, 0];
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})();
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if (retirementIndex === -1 || !retirementData) {
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setResult({
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fireNumber: null,
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fireNumber4percent: null,
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retirementAge4percent: 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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@ -202,6 +228,8 @@ export default function FireCalculatorForm() {
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// Set the result
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setResult({
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fireNumber: retirementData.balance,
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fireNumber4percent: fireNumber4percent,
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retirementAge4percent: retirementAge4percent,
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yearlyData: yearlyData,
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});
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}
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@ -430,10 +458,10 @@ export default function FireCalculatorForm() {
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offset: -10,
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}}
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/>
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{/* Left Y axis */}
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{/* Right Y axis */}
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<YAxis
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yAxisId={"left"}
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orientation="left"
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yAxisId={"right"}
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orientation="right"
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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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@ -448,10 +476,10 @@ export default function FireCalculatorForm() {
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}}
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width={30}
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/>
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{/* Right Y axis */}
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{/* Left Y axis */}
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<YAxis
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yAxisId="right"
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orientation="right"
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yAxisId="left"
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orientation="left"
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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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@ -473,12 +501,12 @@ export default function FireCalculatorForm() {
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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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stopColor="var(--color-orange-500)"
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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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stopColor="var(--color-orange-500)"
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stopOpacity={0.1}
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/>
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</linearGradient>
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@ -487,34 +515,46 @@ export default function FireCalculatorForm() {
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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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stroke="var(--color-orange-500)"
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fill="url(#fillBalance)"
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fillOpacity={0.9}
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activeDot={{ r: 6 }}
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yAxisId={"left"}
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yAxisId={"right"}
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stackId={"a"}
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/>
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<Area
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type="monotone"
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type="step"
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dataKey="monthlyAllowance"
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name="allowance"
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stroke="var(--chart-2)"
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stroke="var(--color-red-600)"
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fill="none"
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activeDot={{ r: 6 }}
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yAxisId="right"
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stackId={"a"}
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yAxisId="left"
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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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stroke="var(--primary)"
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strokeWidth={2}
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strokeDasharray="2 1"
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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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yAxisId={"left"}
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yAxisId={"right"}
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/>
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)}
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{result.fireNumber4percent && showing4percent && (
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<ReferenceLine
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y={result.fireNumber4percent}
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stroke="var(--secondary)"
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strokeWidth={1}
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strokeDasharray="1 1"
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label={{
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value: "4%-Rule FIRE Number",
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position: "insideBottomLeft",
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}}
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yAxisId={"right"}
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/>
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)}
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<ReferenceLine
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@ -523,7 +563,7 @@ export default function FireCalculatorForm() {
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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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stroke="var(--primary)"
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strokeWidth={2}
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label={{
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value: "Retirement",
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@ -531,11 +571,36 @@ export default function FireCalculatorForm() {
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}}
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yAxisId={"left"}
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/>
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{result.retirementAge4percent && showing4percent && (
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<ReferenceLine
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x={
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irlYear +
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(result.retirementAge4percent -
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form.getValues("currentAge"))
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}
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stroke="var(--secondary)"
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strokeWidth={1}
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label={{
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value: "4%-Rule Retirement",
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position: "insideBottomLeft",
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}}
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yAxisId={"left"}
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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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{result && (
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<Button
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onClick={() => setShowing4percent(!showing4percent)}
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variant={showing4percent ? "secondary" : "default"}
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size={"sm"}
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>
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{showing4percent ? "Hide" : "Show"} 4%-Rule
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</Button>
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)}
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</form>
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</Form>
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</CardContent>
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@ -579,6 +644,40 @@ export default function FireCalculatorForm() {
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</p>
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</CardContent>
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</Card>
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{showing4percent && (
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<>
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<Card>
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<CardHeader>
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<CardTitle>4%-Rule FIRE Number</CardTitle>
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<CardDescription className="text-xs">
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Capital needed for 4% of it to be greater than your
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yearly allowance
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</CardDescription>
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</CardHeader>
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<CardContent>
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<p className="text-3xl font-bold">
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{formatNumber(result.fireNumber4percent)}
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</p>
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</CardContent>
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</Card>
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<Card>
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<CardHeader>
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<CardTitle>4%-Rule Retirement Duration</CardTitle>
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<CardDescription className="text-xs">
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Years to enjoy your financial independence if you follow
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the 4% rule
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</CardDescription>
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</CardHeader>
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<CardContent>
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<p className="text-3xl font-bold">
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{form.getValues("lifeExpectancy") -
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(result.retirementAge4percent ?? 0)}
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</p>
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</CardContent>
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</Card>
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</>
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)}
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</>
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)}
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</div>
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