Generalize pension system: multi-country strategy pattern

- Add JSONB pension_params column to retirement_configs
- Add data JSONB column to pension_entries
- Create pension calculator strategy classes (Base, DeGrv, UsSocialSecurity, UkStatePension, FrRegimeGeneral, EsSocialSecurity)
- Update RetirementConfig model to delegate to calculators
- Make PensionEntry.current_points optional for non-points systems
- Update controller strong params (pension_params: {})
- Add Stimulus pension_system_controller for dynamic form fields
- Update views with per-country field groups and conditional points columns
- Expand i18n (EN, DE) and add ES, FR locale files
- Update fixtures and tests for new schema

Addresses review feedback from jjmata on PR #1057

app/controllers/retirement_controller.rb

@@ -80,17 +80,15 @@ class RetirementController < ApplicationController
         :country, :pension_system, :birth_year, :retirement_age,
         :target_monthly_income, :currency, :expected_return_pct,
         :inflation_pct, :tax_rate_pct, :current_monthly_savings,
-        :contribution_start_year, :expected_annual_points, :rentenwert
+        pension_params: {}
       )
     end
 
-    # Params are scoped under :pension_entry because the form uses
-    # form_with url: ..., scope: :pension_entry. Switching to form_with model:
-    # would change the nesting — update this permit list accordingly.
     def pension_entry_params
       params.require(:pension_entry).permit(
         :recorded_at, :current_points, :current_monthly_pension,
-        :projected_monthly_pension, :notes
+        :projected_monthly_pension, :notes,
+        data: {}
       )
     end
 end

app/javascript/controllers/pension_system_controller.js

@@ -0,0 +1,32 @@
+import { Controller } from "@hotwired/stimulus";
+
+// Toggles visibility of country-specific pension field groups
+// based on the selected pension system.
+//
+// Usage:
+//   <div data-controller="pension-system">
+//     <select data-pension-system-target="select" data-action="change->pension-system#toggle">
+//     <div data-pension-system-target="fields" data-pension-system-key="de_grv"> ... </div>
+//     <div data-pension-system-target="fields" data-pension-system-key="us_ss"> ... </div>
+//   </div>
+export default class extends Controller {
+  static targets = ["select", "fields"];
+
+  connect() {
+    this.toggle();
+  }
+
+  toggle() {
+    const selected = this.selectTarget.value;
+
+    this.fieldsTargets.forEach((el) => {
+      if (el.dataset.pensionSystemKey === selected) {
+        el.classList.remove("hidden");
+        el.querySelectorAll("input, select").forEach((i) => (i.disabled = false));
+      } else {
+        el.classList.add("hidden");
+        el.querySelectorAll("input, select").forEach((i) => (i.disabled = true));
+      }
+    });
+  }
+}

app/models/pension_entry.rb

@@ -2,23 +2,22 @@ class PensionEntry < ApplicationRecord
   belongs_to :retirement_config
 
   validates :recorded_at, presence: true, uniqueness: { scope: :retirement_config_id }
-  validates :current_points, presence: true, numericality: { greater_than_or_equal_to: 0 }
+  validates :current_points, numericality: { greater_than_or_equal_to: 0 }, allow_nil: true
   validates :current_monthly_pension, numericality: { greater_than_or_equal_to: 0 }, allow_nil: true
   validates :projected_monthly_pension, numericality: { greater_than_or_equal_to: 0 }, allow_nil: true
 
   scope :chronological, -> { order(recorded_at: :asc) }
   scope :reverse_chronological, -> { order(recorded_at: :desc) }
 
-  # Calculate the points gained since the previous entry.
-  # For bulk rendering, prefer RetirementConfig#pension_entries_with_gains
-  # to avoid N+1 queries.
   def points_gained
+    return nil unless current_points
+
     previous = retirement_config.pension_entries
       .where("recorded_at < ?", recorded_at)
       .order(recorded_at: :desc)
       .first
 
-    return current_points unless previous
+    return current_points unless previous&.current_points
     current_points - previous.current_points
   end
 end

app/models/retirement_config.rb

@@ -1,13 +1,20 @@
 class RetirementConfig < ApplicationRecord
-  PENSION_SYSTEMS = %w[de_grv custom].freeze
-  DEFAULT_RENTENWERT = 39.32 # Updated annually by German government (as of 2025)
-  SAFE_WITHDRAWAL_RATE = 0.04 # 4% rule for safe withdrawal
+  PENSION_SYSTEMS = {
+    "custom"    => { calculator: "RetirementConfig::PensionCalculator::Base" },
+    "de_grv"    => { calculator: "RetirementConfig::PensionCalculator::DeGrv" },
+    "us_ss"     => { calculator: "RetirementConfig::PensionCalculator::UsSocialSecurity" },
+    "uk_sp"     => { calculator: "RetirementConfig::PensionCalculator::UkStatePension" },
+    "fr_regime" => { calculator: "RetirementConfig::PensionCalculator::FrRegimeGeneral" },
+    "es_ss"     => { calculator: "RetirementConfig::PensionCalculator::EsSocialSecurity" }
+  }.freeze
+
+  SAFE_WITHDRAWAL_RATE = 0.04
 
   belongs_to :family
   has_many :pension_entries, dependent: :destroy
 
   validates :country, presence: true
-  validates :pension_system, inclusion: { in: PENSION_SYSTEMS }
+  validates :pension_system, inclusion: { in: PENSION_SYSTEMS.keys }
   validates :birth_year, presence: true,
             numericality: { greater_than: 1900, less_than_or_equal_to: -> { Date.current.year } }
   validates :retirement_age, presence: true,
@@ -17,50 +24,49 @@ class RetirementConfig < ApplicationRecord
   validates :inflation_pct, numericality: { greater_than_or_equal_to: 0, less_than_or_equal_to: 20 }
   validates :tax_rate_pct, numericality: { greater_than_or_equal_to: 0, less_than_or_equal_to: 100 }
 
-  # Current age based on birth year
   def current_age
     Date.current.year - birth_year
   end
 
-  # Years until retirement
   def years_to_retirement
     [ retirement_age - current_age, 0 ].max
   end
 
-  # Whether the user has already reached retirement age
   def retired?
     current_age >= retirement_age
   end
 
-  # Estimated monthly pension.
-  # GRV: calculated from Entgeltpunkte × Rentenwert, with latest statement override.
-  # Custom: uses latest pension entry's projected value if available, otherwise 0.
+  # Delegates pension estimation to the active calculator
   def estimated_monthly_pension
-    if latest_pension_entry&.projected_monthly_pension
-      return latest_pension_entry.projected_monthly_pension
+    if pension_system == "custom"
+      return latest_pension_entry&.projected_monthly_pension || 0
     end
 
-    return 0 unless pension_system == "de_grv"
-
-    points = total_projected_points
-    rw = rentenwert || DEFAULT_RENTENWERT
-    points * rw
+    pension_calculator.estimated_monthly_pension
   end
 
-  # Total projected pension points at retirement
-  def total_projected_points
-    current = latest_pension_entry&.current_points || 0
-    annual = expected_annual_points || 1.0
-    current + (annual * years_to_retirement)
+  def pension_calculator
+    @pension_calculator ||= begin
+      klass_name = PENSION_SYSTEMS.dig(pension_system, :calculator)
+      klass_name.constantize.new(self)
+    end
+  end
+
+  # Whether the current system uses pension points (e.g. DE Entgeltpunkte)
+  def points_based?
+    pension_calculator.points_based?
+  end
+
+  # Read a system-specific parameter from JSONB
+  def pension_param(key)
+    pension_params&.dig(key.to_s)
   end
 
-  # Monthly pension gap: how much more you need beyond GRV pension
   def monthly_pension_gap
     gap = target_monthly_income - estimated_monthly_pension_after_tax
     [ gap, 0 ].max
   end
 
-  # Estimated pension after taxes
   def estimated_monthly_pension_after_tax
     estimated_monthly_pension * (1 - (tax_rate_pct / 100.0))
   end
@@ -158,7 +164,11 @@ class RetirementConfig < ApplicationRecord
     sorted = pension_entries.chronological.to_a
     sorted.each_with_index do |entry, idx|
       prev = idx > 0 ? sorted[idx - 1] : nil
-      delta = prev ? entry.current_points - prev.current_points : entry.current_points
+      if points_based? && entry.current_points
+        delta = prev&.current_points ? entry.current_points - prev.current_points : entry.current_points
+      else
+        delta = nil
+      end
       entry.define_singleton_method(:points_gained) { delta }
     end
     sorted.reverse

app/models/retirement_config/pension_calculator/base.rb

@@ -0,0 +1,36 @@
+class RetirementConfig
+  module PensionCalculator
+    class Base
+      attr_reader :config
+
+      def initialize(config)
+        @config = config
+      end
+
+      def estimated_monthly_pension
+        raise NotImplementedError, "#{self.class} must implement #estimated_monthly_pension"
+      end
+
+      # Override in subclasses to define system-specific parameters for forms
+      # Returns array of hashes: [{ key:, type:, label_i18n:, default:, step:, min:, max: }]
+      def self.param_definitions
+        []
+      end
+
+      # Override in subclasses that use a points-based system
+      def points_based?
+        false
+      end
+
+      private
+
+        def pension_param(key)
+          config.pension_params&.dig(key.to_s)
+        end
+
+        def latest_entry
+          config.send(:latest_pension_entry)
+        end
+    end
+  end
+end

app/models/retirement_config/pension_calculator/de_grv.rb

@@ -0,0 +1,37 @@
+class RetirementConfig
+  module PensionCalculator
+    class DeGrv < Base
+      DEFAULT_RENTENWERT = 39.32
+
+      def estimated_monthly_pension
+        if latest_entry&.projected_monthly_pension
+          return latest_entry.projected_monthly_pension
+        end
+
+        points = total_projected_points
+        rw = pension_param("rentenwert")&.to_f || DEFAULT_RENTENWERT
+        points * rw
+      end
+
+      def points_based?
+        true
+      end
+
+      def self.param_definitions
+        [
+          { key: "expected_annual_points", type: :number, step: 0.01, min: 0, default: 1.0 },
+          { key: "rentenwert", type: :number, step: 0.01, min: 0, default: DEFAULT_RENTENWERT },
+          { key: "contribution_start_year", type: :integer, min: 1960, max: Date.current.year }
+        ]
+      end
+
+      private
+
+        def total_projected_points
+          current = latest_entry&.current_points || 0
+          annual = pension_param("expected_annual_points")&.to_f || 1.0
+          current + (annual * config.years_to_retirement)
+        end
+    end
+  end
+end

app/models/retirement_config/pension_calculator/es_social_security.rb

@@ -0,0 +1,21 @@
+class RetirementConfig
+  module PensionCalculator
+    class EsSocialSecurity < Base
+      def estimated_monthly_pension
+        if latest_entry&.projected_monthly_pension
+          return latest_entry.projected_monthly_pension
+        end
+
+        # Users enter projected pension from their informe de vida laboral
+        pension_param("estimated_monthly_pension")&.to_f || 0
+      end
+
+      def self.param_definitions
+        [
+          { key: "contribution_years", type: :integer, min: 0, max: 50, default: 0 },
+          { key: "estimated_monthly_pension", type: :number, step: 1, min: 0, default: 0 }
+        ]
+      end
+    end
+  end
+end

app/models/retirement_config/pension_calculator/fr_regime_general.rb

@@ -0,0 +1,21 @@
+class RetirementConfig
+  module PensionCalculator
+    class FrRegimeGeneral < Base
+      def estimated_monthly_pension
+        if latest_entry&.projected_monthly_pension
+          return latest_entry.projected_monthly_pension
+        end
+
+        # Users can enter projected pension from their relevé de carrière
+        pension_param("estimated_monthly_pension")&.to_f || 0
+      end
+
+      def self.param_definitions
+        [
+          { key: "trimestres", type: :integer, min: 0, max: 200, default: 0 },
+          { key: "estimated_monthly_pension", type: :number, step: 1, min: 0, default: 0 }
+        ]
+      end
+    end
+  end
+end

app/models/retirement_config/pension_calculator/uk_state_pension.rb

@@ -0,0 +1,26 @@
+class RetirementConfig
+  module PensionCalculator
+    class UkStatePension < Base
+      FULL_WEEKLY_RATE = 221.20 # £/week as of 2025/26
+
+      def estimated_monthly_pension
+        if latest_entry&.projected_monthly_pension
+          return latest_entry.projected_monthly_pension
+        end
+
+        qualifying_years = pension_param("qualifying_years")&.to_f || 0
+        rate = pension_param("full_weekly_rate")&.to_f || FULL_WEEKLY_RATE
+
+        return 0 if qualifying_years <= 0
+        (qualifying_years / 35.0) * rate * 52 / 12
+      end
+
+      def self.param_definitions
+        [
+          { key: "qualifying_years", type: :integer, min: 0, max: 50, default: 0 },
+          { key: "full_weekly_rate", type: :number, step: 0.01, min: 0, default: FULL_WEEKLY_RATE }
+        ]
+      end
+    end
+  end
+end

app/models/retirement_config/pension_calculator/us_social_security.rb

@@ -0,0 +1,20 @@
+class RetirementConfig
+  module PensionCalculator
+    class UsSocialSecurity < Base
+      def estimated_monthly_pension
+        if latest_entry&.projected_monthly_pension
+          return latest_entry.projected_monthly_pension
+        end
+
+        # Users enter their estimated benefit from their SSA statement
+        pension_param("estimated_monthly_benefit")&.to_f || 0
+      end
+
+      def self.param_definitions
+        [
+          { key: "estimated_monthly_benefit", type: :number, step: 1, min: 0, default: 0 }
+        ]
+      end
+    end
+  end
+end

app/views/retirement/_form_fields.html.erb

@@ -38,13 +38,17 @@
 </fieldset>
 
 <%# Pension System %>
-<fieldset class="space-y-4">
+<fieldset class="space-y-4" data-controller="pension-system">
   <legend class="text-lg font-medium text-primary"><%= t(".pension_section") %></legend>
 
   <div class="grid grid-cols-1 md:grid-cols-2 gap-4">
     <div>
       <label for="retirement_config_pension_system" class="block text-sm font-medium text-secondary mb-1"><%= t(".pension_system") %></label>
-      <%= f.select :pension_system, RetirementConfig::PENSION_SYSTEMS.map { |s| [t("retirement.pension_systems.#{s}", default: s.humanize), s] }, {}, class: "form-select w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
+      <%= f.select :pension_system,
+            RetirementConfig::PENSION_SYSTEMS.keys.map { |k| [t("retirement.pension_systems.#{k}", default: k.humanize), k] },
+            {},
+            class: "form-select w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2",
+            data: { pension_system_target: "select", action: "change->pension-system#toggle" } %>
     </div>
     <div>
       <label for="retirement_config_country" class="block text-sm font-medium text-secondary mb-1"><%= t(".country") %></label>
@@ -52,22 +56,97 @@
     </div>
   </div>
 
-  <div class="grid grid-cols-1 md:grid-cols-3 gap-4">
+  <%# German GRV fields %>
+  <div data-pension-system-target="fields" data-pension-system-key="de_grv" class="grid grid-cols-1 md:grid-cols-3 gap-4">
     <div>
-      <label for="retirement_config_expected_annual_points" class="block text-sm font-medium text-secondary mb-1"><%= t(".expected_annual_points") %></label>
-      <%= f.number_field :expected_annual_points, step: 0.01, min: 0, class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
-      <p class="text-xs text-secondary mt-1"><%= t(".expected_annual_points_hint") %></p>
+      <label class="block text-sm font-medium text-secondary mb-1"><%= t(".de_expected_annual_points") %></label>
+      <%= f.number_field "pension_params[expected_annual_points]", step: 0.01, min: 0,
+            value: f.object&.pension_params&.dig("expected_annual_points"),
+            class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
+      <p class="text-xs text-secondary mt-1"><%= t(".de_expected_annual_points_hint") %></p>
     </div>
     <div>
-      <label for="retirement_config_rentenwert" class="block text-sm font-medium text-secondary mb-1"><%= t(".rentenwert") %></label>
-      <%= f.number_field :rentenwert, step: 0.01, min: 0, class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
-      <p class="text-xs text-secondary mt-1"><%= t(".rentenwert_hint") %></p>
+      <label class="block text-sm font-medium text-secondary mb-1"><%= t(".de_rentenwert") %></label>
+      <%= f.number_field "pension_params[rentenwert]", step: 0.01, min: 0,
+            value: f.object&.pension_params&.dig("rentenwert"),
+            class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
+      <p class="text-xs text-secondary mt-1"><%= t(".de_rentenwert_hint") %></p>
     </div>
     <div>
-      <label for="retirement_config_contribution_start_year" class="block text-sm font-medium text-secondary mb-1"><%= t(".contribution_start_year") %></label>
-      <%= f.number_field :contribution_start_year, min: 1960, max: Date.current.year, class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
+      <label class="block text-sm font-medium text-secondary mb-1"><%= t(".de_contribution_start_year") %></label>
+      <%= f.number_field "pension_params[contribution_start_year]", min: 1960, max: Date.current.year,
+            value: f.object&.pension_params&.dig("contribution_start_year"),
+            class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
     </div>
   </div>
+
+  <%# US Social Security fields %>
+  <div data-pension-system-target="fields" data-pension-system-key="us_ss" class="grid grid-cols-1 md:grid-cols-2 gap-4">
+    <div>
+      <label class="block text-sm font-medium text-secondary mb-1"><%= t(".us_estimated_monthly_benefit") %></label>
+      <%= f.number_field "pension_params[estimated_monthly_benefit]", step: 0.01, min: 0,
+            value: f.object&.pension_params&.dig("estimated_monthly_benefit"),
+            class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
+      <p class="text-xs text-secondary mt-1"><%= t(".us_estimated_monthly_benefit_hint") %></p>
+    </div>
+  </div>
+
+  <%# UK State Pension fields %>
+  <div data-pension-system-target="fields" data-pension-system-key="uk_sp" class="grid grid-cols-1 md:grid-cols-2 gap-4">
+    <div>
+      <label class="block text-sm font-medium text-secondary mb-1"><%= t(".uk_qualifying_years") %></label>
+      <%= f.number_field "pension_params[qualifying_years]", step: 1, min: 0, max: 35,
+            value: f.object&.pension_params&.dig("qualifying_years"),
+            class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
+      <p class="text-xs text-secondary mt-1"><%= t(".uk_qualifying_years_hint") %></p>
+    </div>
+    <div>
+      <label class="block text-sm font-medium text-secondary mb-1"><%= t(".uk_full_weekly_rate") %></label>
+      <%= f.number_field "pension_params[full_weekly_rate]", step: 0.01, min: 0,
+            value: f.object&.pension_params&.dig("full_weekly_rate"),
+            class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
+      <p class="text-xs text-secondary mt-1"><%= t(".uk_full_weekly_rate_hint") %></p>
+    </div>
+  </div>
+
+  <%# French Régime Général fields %>
+  <div data-pension-system-target="fields" data-pension-system-key="fr_regime" class="grid grid-cols-1 md:grid-cols-2 gap-4">
+    <div>
+      <label class="block text-sm font-medium text-secondary mb-1"><%= t(".fr_estimated_monthly_pension") %></label>
+      <%= f.number_field "pension_params[estimated_monthly_pension]", step: 0.01, min: 0,
+            value: f.object&.pension_params&.dig("estimated_monthly_pension"),
+            class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
+      <p class="text-xs text-secondary mt-1"><%= t(".fr_estimated_monthly_pension_hint") %></p>
+    </div>
+    <div>
+      <label class="block text-sm font-medium text-secondary mb-1"><%= t(".fr_trimestres") %></label>
+      <%= f.number_field "pension_params[trimestres]", step: 1, min: 0,
+            value: f.object&.pension_params&.dig("trimestres"),
+            class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
+    </div>
+  </div>
+
+  <%# Spanish Social Security fields %>
+  <div data-pension-system-target="fields" data-pension-system-key="es_ss" class="grid grid-cols-1 md:grid-cols-2 gap-4">
+    <div>
+      <label class="block text-sm font-medium text-secondary mb-1"><%= t(".es_estimated_monthly_pension") %></label>
+      <%= f.number_field "pension_params[estimated_monthly_pension]", step: 0.01, min: 0,
+            value: f.object&.pension_params&.dig("estimated_monthly_pension"),
+            class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
+      <p class="text-xs text-secondary mt-1"><%= t(".es_estimated_monthly_pension_hint") %></p>
+    </div>
+    <div>
+      <label class="block text-sm font-medium text-secondary mb-1"><%= t(".es_contribution_years") %></label>
+      <%= f.number_field "pension_params[contribution_years]", step: 1, min: 0,
+            value: f.object&.pension_params&.dig("contribution_years"),
+            class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
+    </div>
+  </div>
+
+  <%# Custom / Other — just use estimated pension from entries %>
+  <div data-pension-system-target="fields" data-pension-system-key="custom" class="text-sm text-secondary">
+    <p><%= t(".custom_hint") %></p>
+  </div>
 </fieldset>
 
 <%# Assumptions %>

app/views/retirement/show.html.erb

@@ -24,9 +24,7 @@
 
   <%# Estimated Pension %>
   <div class="bg-container shadow-border-xs rounded-lg p-4">
-    <p class="text-sm text-secondary mb-1">
-      <%= @retirement_config.pension_system == "de_grv" ? t(".estimated_pension_grv") : t(".estimated_pension") %>
-    </p>
+    <p class="text-sm text-secondary mb-1"><%= t(".estimated_pension") %></p>
     <p class="text-2xl font-semibold text-primary">
       <%= number_to_currency(@retirement_config.estimated_monthly_pension, unit: retirement_currency_unit(@retirement_config)) %>
     </p>
@@ -154,10 +152,12 @@
             <%= f.label :recorded_at, t(".date"), class: "block text-sm font-medium text-secondary mb-1" %>
             <%= f.date_field :recorded_at, value: Date.current, class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2", required: true %>
           </div>
-          <div>
-            <%= f.label :current_points, t(".pension_points"), class: "block text-sm font-medium text-secondary mb-1" %>
-            <%= f.number_field :current_points, step: 0.0001, min: 0, class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2", required: true %>
-          </div>
+          <% if @retirement_config.points_based? %>
+            <div>
+              <%= f.label :current_points, t(".pension_points"), class: "block text-sm font-medium text-secondary mb-1" %>
+              <%= f.number_field :current_points, step: 0.0001, min: 0, class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
+            </div>
+          <% end %>
           <div>
             <%= f.label :current_monthly_pension, t(".current_pension"), class: "block text-sm font-medium text-secondary mb-1" %>
             <%= f.number_field :current_monthly_pension, step: 0.01, min: 0, class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
@@ -185,8 +185,10 @@
         <thead>
           <tr class="border-b border-secondary">
             <th class="text-left text-secondary font-medium py-2 px-3"><%= t(".date") %></th>
-            <th class="text-right text-secondary font-medium py-2 px-3"><%= t(".pension_points") %></th>
-            <th class="text-right text-secondary font-medium py-2 px-3"><%= t(".points_gained") %></th>
+            <% if @retirement_config.points_based? %>
+              <th class="text-right text-secondary font-medium py-2 px-3"><%= t(".pension_points") %></th>
+              <th class="text-right text-secondary font-medium py-2 px-3"><%= t(".points_gained") %></th>
+            <% end %>
             <th class="text-right text-secondary font-medium py-2 px-3"><%= t(".current_pension") %></th>
             <th class="text-right text-secondary font-medium py-2 px-3"><%= t(".projected_pension") %></th>
             <th class="text-left text-secondary font-medium py-2 px-3"><%= t(".notes") %></th>
@@ -197,12 +199,24 @@
           <% @pension_entries.each do |entry| %>
             <tr class="border-b border-secondary/50 hover:bg-surface-hover">
               <td class="py-3 px-3 text-primary"><%= l(entry.recorded_at) %></td>
-              <td class="py-3 px-3 text-right text-primary"><%= number_with_precision(entry.current_points, precision: 4) %></td>
-              <td class="py-3 px-3 text-right">
-                <span class="<%= entry.points_gained > 0 ? 'text-success' : entry.points_gained < 0 ? 'text-destructive' : 'text-secondary' %>">
-                  <%= entry.points_gained >= 0 ? '+' : '' %><%= number_with_precision(entry.points_gained, precision: 4) %>
-                </span>
-              </td>
+              <% if @retirement_config.points_based? %>
+                <td class="py-3 px-3 text-right text-primary">
+                  <% if entry.current_points %>
+                    <%= number_with_precision(entry.current_points, precision: 4) %>
+                  <% else %>
+                    <span class="text-secondary">—</span>
+                  <% end %>
+                </td>
+                <td class="py-3 px-3 text-right">
+                  <% if entry.points_gained %>
+                    <span class="<%= entry.points_gained > 0 ? 'text-success' : entry.points_gained < 0 ? 'text-destructive' : 'text-secondary' %>">
+                      <%= entry.points_gained >= 0 ? '+' : '' %><%= number_with_precision(entry.points_gained, precision: 4) %>
+                    </span>
+                  <% else %>
+                    <span class="text-secondary">—</span>
+                  <% end %>
+                </td>
+              <% end %>
               <td class="py-3 px-3 text-right text-primary">
                 <% if entry.current_monthly_pension %>
                   <%= number_to_currency(entry.current_monthly_pension, unit: retirement_currency_unit(@retirement_config)) %>

config/locales/views/retirement/de.yml

@@ -9,7 +9,6 @@ de:
         one: "%{count} Jahr bis zur Rente"
         other: "%{count} Jahre bis zur Rente"
       estimated_pension: Geschätzte monatliche Rente
-      estimated_pension_grv: Geschätzte GRV-Rente
       after_tax: Nach Steuern
       pension_gap: Monatliche Rentenlücke
       target: "Ziel"
@@ -28,7 +27,7 @@ de:
       inflation: Inflationsrate
       tax_rate: Steuersatz
       monthly_savings: Monatliche Sparrate
-      pension_history: Rentenhistorie (Renteninformation)
+      pension_history: Rentenhistorie
       add_entry: Neuen Eintrag hinzufügen
       date: Datum
       pension_points: Entgeltpunkte
@@ -53,11 +52,30 @@ de:
       pension_section: Rentensystem
       pension_system: Rentensystem
       country: Land
-      expected_annual_points: Erwartete jährliche Entgeltpunkte
-      expected_annual_points_hint: Durchschnittsgehalt = ~1,0 Punkte/Jahr
-      rentenwert: Aktueller Rentenwert
-      rentenwert_hint: Aktueller Wert in EUR (2025 ~ 39,32)
-      contribution_start_year: Beitragsbeginn (Jahr)
+      # German GRV
+      de_expected_annual_points: Erwartete jährliche Entgeltpunkte
+      de_expected_annual_points_hint: Durchschnittsgehalt = ~1,0 Punkte/Jahr
+      de_rentenwert: Aktueller Rentenwert
+      de_rentenwert_hint: Aktueller Wert in EUR (2025 ~ 39,32)
+      de_contribution_start_year: Beitragsbeginn (Jahr)
+      # US Social Security
+      us_estimated_monthly_benefit: Geschätzte monatliche Leistung
+      us_estimated_monthly_benefit_hint: Aus deiner SSA-Bescheinigung (ssa.gov)
+      # UK State Pension
+      uk_qualifying_years: Anspruchsjahre (NI)
+      uk_qualifying_years_hint: "35 Jahre für volle State Pension"
+      uk_full_weekly_rate: Voller Wochensatz (£)
+      uk_full_weekly_rate_hint: "2024/25: £221,20/Woche"
+      # France Régime Général
+      fr_estimated_monthly_pension: Geschätzte monatliche Rente
+      fr_estimated_monthly_pension_hint: Aus deinem relevé de situation individuelle
+      fr_trimestres: Validierte Trimester
+      # Spain Social Security
+      es_estimated_monthly_pension: Geschätzte monatliche Rente
+      es_estimated_monthly_pension_hint: Aus deinem informe de vida laboral
+      es_contribution_years: Beitragsjahre
+      # Custom
+      custom_hint: Füge Renteneinträge manuell hinzu, um deine geschätzte Rente zu verfolgen.
       assumptions_section: Annahmen
       expected_return: Erwartete jährliche Rendite (%)
       inflation: Erwartete Inflation (%)
@@ -82,4 +100,8 @@ de:
       pension_entry_removed: Renteneintrag entfernt
     pension_systems:
       de_grv: Deutsche Gesetzliche Rentenversicherung (GRV)
+      us_ss: US-Sozialversicherung
+      uk_sp: UK State Pension
+      fr_regime: Französisches Régime Général
+      es_ss: Spanische Sozialversicherung
       custom: Benutzerdefiniert / Andere

config/locales/views/retirement/en.yml

@@ -9,7 +9,6 @@ en:
         one: "%{count} year to retirement"
         other: "%{count} years to retirement"
       estimated_pension: Estimated Monthly Pension
-      estimated_pension_grv: Estimated GRV Pension
       after_tax: After tax
       pension_gap: Monthly Pension Gap
       target: "Target"
@@ -28,7 +27,7 @@ en:
       inflation: Inflation Rate
       tax_rate: Tax Rate
       monthly_savings: Monthly Savings
-      pension_history: Pension History (Renteninformation)
+      pension_history: Pension History
       add_entry: Add new pension entry
       date: Date
       pension_points: Pension Points
@@ -36,11 +35,11 @@ en:
       current_pension: Current Pension
       projected_pension: Projected Pension
       notes: Notes
-      notes_placeholder: "e.g. Annual Renteninformation 2024"
+      notes_placeholder: "e.g. Annual pension statement 2024"
       save_entry: Save Entry
       confirm_delete: Are you sure you want to delete this entry?
       no_entries: No pension entries yet
-      no_entries_hint: Add entries from your Renteninformation to track your pension progress
+      no_entries_hint: Add entries from your pension statements to track your progress
       setup_required: Please set up retirement planning first
     form_fields: &retirement_form_fields_en
       personal_section: Personal Information
@@ -53,11 +52,30 @@ en:
       pension_section: Pension System
       pension_system: Pension System
       country: Country
-      expected_annual_points: Expected Annual Points
-      expected_annual_points_hint: Average salary = ~1.0 points/year
-      rentenwert: Current Pension Value (Rentenwert)
-      rentenwert_hint: Current value in EUR (2025 ~ 39.32)
-      contribution_start_year: Contribution Start Year
+      # German GRV
+      de_expected_annual_points: Expected Annual Points
+      de_expected_annual_points_hint: Average salary = ~1.0 points/year
+      de_rentenwert: Current Pension Value (Rentenwert)
+      de_rentenwert_hint: Current value in EUR (2025 ~ 39.32)
+      de_contribution_start_year: Contribution Start Year
+      # US Social Security
+      us_estimated_monthly_benefit: Estimated Monthly Benefit
+      us_estimated_monthly_benefit_hint: From your SSA statement (ssa.gov)
+      # UK State Pension
+      uk_qualifying_years: Qualifying Years (NI)
+      uk_qualifying_years_hint: "35 years for full new State Pension"
+      uk_full_weekly_rate: Full Weekly Rate (£)
+      uk_full_weekly_rate_hint: "2024/25: £221.20/week"
+      # France Régime Général
+      fr_estimated_monthly_pension: Estimated Monthly Pension
+      fr_estimated_monthly_pension_hint: From your relevé de situation individuelle
+      fr_trimestres: Trimestres Validated
+      # Spain Social Security
+      es_estimated_monthly_pension: Estimated Monthly Pension
+      es_estimated_monthly_pension_hint: From your informe de vida laboral
+      es_contribution_years: Contribution Years
+      # Custom
+      custom_hint: Add pension entries manually to track your estimated pension.
       assumptions_section: Assumptions
       expected_return: Expected Annual Return (%)
       inflation: Expected Inflation (%)
@@ -82,4 +100,8 @@ en:
       pension_entry_removed: Pension entry removed
     pension_systems:
       de_grv: German Statutory Pension (GRV)
+      us_ss: US Social Security
+      uk_sp: UK State Pension
+      fr_regime: French Régime Général
+      es_ss: Spanish Social Security
       custom: Custom / Other

config/locales/views/retirement/es.yml

@@ -0,0 +1,101 @@
+---
+es:
+  retirement:
+    show:
+      page_title: Planificación de Jubilación
+      subtitle: Sigue tu camino hacia la independencia financiera y la preparación para la jubilación
+      current_age: Edad Actual
+      years_to_retirement:
+        one: "%{count} año para la jubilación"
+        other: "%{count} años para la jubilación"
+      estimated_pension: Pensión Mensual Estimada
+      after_tax: Después de impuestos
+      pension_gap: Brecha Mensual de Pensión
+      target: "Objetivo"
+      required_savings: Ahorro Mensual Necesario
+      per_month: al mes para cerrar la brecha de pensión
+      fire_progress: Progreso FIRE
+      current_portfolio: Cartera Actual
+      fire_number: Número FIRE
+      progress: Progreso
+      estimated_fire_date: Fecha FIRE Estimada
+      assumptions: Supuestos
+      edit: Editar
+      birth_year: Año de Nacimiento
+      retirement_age: Edad de Jubilación
+      expected_return: Rendimiento Esperado
+      inflation: Tasa de Inflación
+      tax_rate: Tasa Impositiva
+      monthly_savings: Ahorro Mensual
+      pension_history: Historial de Pensión
+      add_entry: Añadir nueva entrada de pensión
+      date: Fecha
+      pension_points: Puntos de Pensión
+      points_gained: Puntos Ganados
+      current_pension: Pensión Actual
+      projected_pension: Pensión Proyectada
+      notes: Notas
+      notes_placeholder: "ej. Informe de vida laboral 2024"
+      save_entry: Guardar Entrada
+      confirm_delete: "¿Estás seguro de querer eliminar esta entrada?"
+      no_entries: Aún no hay entradas de pensión
+      no_entries_hint: Añade entradas de tus informes de pensión para seguir tu progreso
+      setup_required: Por favor configura primero la planificación de jubilación
+    form_fields: &retirement_form_fields_es
+      personal_section: Información Personal
+      birth_year: Año de Nacimiento
+      retirement_age: Edad de Jubilación Deseada
+      financial_section: Objetivos Financieros
+      target_monthly_income: Ingreso Mensual Objetivo (Jubilación)
+      current_monthly_savings: Ahorro Mensual Actual
+      currency: Moneda
+      pension_section: Sistema de Pensiones
+      pension_system: Sistema de Pensiones
+      country: País
+      de_expected_annual_points: Puntos Anuales Esperados
+      de_expected_annual_points_hint: Salario promedio = ~1,0 puntos/año
+      de_rentenwert: Valor Actual de Pensión (Rentenwert)
+      de_rentenwert_hint: Valor actual en EUR (2025 ~ 39,32)
+      de_contribution_start_year: Año de Inicio de Contribuciones
+      us_estimated_monthly_benefit: Beneficio Mensual Estimado
+      us_estimated_monthly_benefit_hint: De tu declaración SSA (ssa.gov)
+      uk_qualifying_years: Años Calificados (NI)
+      uk_qualifying_years_hint: "35 años para la State Pension completa"
+      uk_full_weekly_rate: Tarifa Semanal Completa (£)
+      uk_full_weekly_rate_hint: "2024/25: £221,20/semana"
+      fr_estimated_monthly_pension: Pensión Mensual Estimada
+      fr_estimated_monthly_pension_hint: De tu relevé de situation individuelle
+      fr_trimestres: Trimestres Validados
+      es_estimated_monthly_pension: Pensión Mensual Estimada
+      es_estimated_monthly_pension_hint: De tu informe de vida laboral
+      es_contribution_years: Años de Cotización
+      custom_hint: Añade entradas de pensión manualmente para seguir tu pensión estimada.
+      assumptions_section: Supuestos
+      expected_return: Rendimiento Anual Esperado (%)
+      inflation: Inflación Esperada (%)
+      tax_rate: Tasa Impositiva en Jubilación (%)
+    setup:
+      page_title: Configurar Planificación de Jubilación
+      subtitle: Configura tus parámetros de planificación de jubilación y FIRE
+      cancel: Cancelar
+      save: Guardar y Continuar
+    edit:
+      page_title: Editar Configuración de Jubilación
+      subtitle: Actualiza tus parámetros de planificación de jubilación
+      cancel: Cancelar
+      save: Guardar Cambios
+    create:
+      created: La planificación de jubilación se ha configurado correctamente
+    update:
+      updated: Configuración de jubilación actualizada correctamente
+    add_pension_entry:
+      pension_entry_added: Entrada de pensión añadida correctamente
+    destroy_pension_entry:
+      pension_entry_removed: Entrada de pensión eliminada
+    pension_systems:
+      de_grv: Pensión Estatal Alemana (GRV)
+      us_ss: Seguridad Social de EE.UU.
+      uk_sp: Pensión Estatal del Reino Unido
+      fr_regime: Régimen General Francés
+      es_ss: Seguridad Social Española
+      custom: Personalizado / Otro

config/locales/views/retirement/fr.yml

@@ -0,0 +1,101 @@
+---
+fr:
+  retirement:
+    show:
+      page_title: Planification de la Retraite
+      subtitle: Suivez votre chemin vers l'indépendance financière et la préparation à la retraite
+      current_age: Âge Actuel
+      years_to_retirement:
+        one: "%{count} an avant la retraite"
+        other: "%{count} ans avant la retraite"
+      estimated_pension: Pension Mensuelle Estimée
+      after_tax: Après impôts
+      pension_gap: Écart Mensuel de Pension
+      target: "Objectif"
+      required_savings: Épargne Mensuelle Nécessaire
+      per_month: par mois pour combler l'écart de pension
+      fire_progress: Progression FIRE
+      current_portfolio: Portefeuille Actuel
+      fire_number: Nombre FIRE
+      progress: Progression
+      estimated_fire_date: Date FIRE Estimée
+      assumptions: Hypothèses
+      edit: Modifier
+      birth_year: Année de Naissance
+      retirement_age: Âge de Retraite
+      expected_return: Rendement Attendu
+      inflation: Taux d'Inflation
+      tax_rate: Taux d'Imposition
+      monthly_savings: Épargne Mensuelle
+      pension_history: Historique de Pension
+      add_entry: Ajouter une entrée de pension
+      date: Date
+      pension_points: Points de Pension
+      points_gained: Points Gagnés
+      current_pension: Pension Actuelle
+      projected_pension: Pension Projetée
+      notes: Notes
+      notes_placeholder: "ex. Relevé de situation individuelle 2024"
+      save_entry: Enregistrer
+      confirm_delete: "Êtes-vous sûr de vouloir supprimer cette entrée ?"
+      no_entries: Aucune entrée de pension
+      no_entries_hint: Ajoutez des entrées de vos relevés de pension pour suivre votre progression
+      setup_required: Veuillez d'abord configurer la planification de retraite
+    form_fields: &retirement_form_fields_fr
+      personal_section: Informations Personnelles
+      birth_year: Année de Naissance
+      retirement_age: Âge de Retraite Souhaité
+      financial_section: Objectifs Financiers
+      target_monthly_income: Revenu Mensuel Cible (Retraite)
+      current_monthly_savings: Épargne Mensuelle Actuelle
+      currency: Devise
+      pension_section: Système de Retraite
+      pension_system: Système de Retraite
+      country: Pays
+      de_expected_annual_points: Points Annuels Attendus
+      de_expected_annual_points_hint: Salaire moyen = ~1,0 point/an
+      de_rentenwert: Valeur Actuelle de la Pension (Rentenwert)
+      de_rentenwert_hint: Valeur actuelle en EUR (2025 ~ 39,32)
+      de_contribution_start_year: Année de Début des Cotisations
+      us_estimated_monthly_benefit: Prestation Mensuelle Estimée
+      us_estimated_monthly_benefit_hint: De votre relevé SSA (ssa.gov)
+      uk_qualifying_years: Années de Qualification (NI)
+      uk_qualifying_years_hint: "35 ans pour la State Pension complète"
+      uk_full_weekly_rate: Taux Hebdomadaire Complet (£)
+      uk_full_weekly_rate_hint: "2024/25 : £221,20/semaine"
+      fr_estimated_monthly_pension: Pension Mensuelle Estimée
+      fr_estimated_monthly_pension_hint: De votre relevé de situation individuelle
+      fr_trimestres: Trimestres Validés
+      es_estimated_monthly_pension: Pension Mensuelle Estimée
+      es_estimated_monthly_pension_hint: De votre informe de vida laboral
+      es_contribution_years: Années de Cotisation
+      custom_hint: Ajoutez des entrées de pension manuellement pour suivre votre pension estimée.
+      assumptions_section: Hypothèses
+      expected_return: Rendement Annuel Attendu (%)
+      inflation: Inflation Attendue (%)
+      tax_rate: Taux d'Imposition à la Retraite (%)
+    setup:
+      page_title: Configurer la Planification de Retraite
+      subtitle: Configurez vos paramètres de planification de retraite et FIRE
+      cancel: Annuler
+      save: Enregistrer et Continuer
+    edit:
+      page_title: Modifier les Paramètres de Retraite
+      subtitle: Mettez à jour vos paramètres de planification de retraite
+      cancel: Annuler
+      save: Enregistrer les Modifications
+    create:
+      created: La planification de la retraite a été configurée avec succès
+    update:
+      updated: Paramètres de retraite mis à jour avec succès
+    add_pension_entry:
+      pension_entry_added: Entrée de pension ajoutée avec succès
+    destroy_pension_entry:
+      pension_entry_removed: Entrée de pension supprimée
+    pension_systems:
+      de_grv: Pension Légale Allemande (GRV)
+      us_ss: Sécurité Sociale Américaine
+      uk_sp: Pension d'État Britannique
+      fr_regime: Régime Général Français
+      es_ss: Sécurité Sociale Espagnole
+      custom: Personnalisé / Autre

db/migrate/20260409100000_generalize_pension_systems.rb

@@ -0,0 +1,32 @@
+class GeneralizePensionSystems < ActiveRecord::Migration[7.2]
+  def change
+    # Add JSONB column for system-specific parameters (replaces rentenwert, expected_annual_points)
+    add_column :retirement_configs, :pension_params, :jsonb, null: false, default: {}
+
+    # Add JSONB column for system-specific entry data
+    add_column :pension_entries, :data, :jsonb, null: false, default: {}
+
+    # Make current_points nullable (only used by points-based systems like DE)
+    change_column_null :pension_entries, :current_points, true
+
+    # Migrate existing data: move rentenwert and expected_annual_points into pension_params
+    reversible do |dir|
+      dir.up do
+        execute <<-SQL.squish
+          UPDATE retirement_configs
+          SET pension_params = jsonb_build_object(
+            'rentenwert', COALESCE(rentenwert, 39.32),
+            'expected_annual_points', COALESCE(expected_annual_points, 1.0),
+            'contribution_start_year', contribution_start_year
+          )
+          WHERE pension_system = 'de_grv'
+        SQL
+      end
+    end
+
+    # Remove old German-specific columns
+    remove_column :retirement_configs, :rentenwert, :decimal, precision: 8, scale: 2
+    remove_column :retirement_configs, :expected_annual_points, :decimal, precision: 5, scale: 2
+    remove_column :retirement_configs, :contribution_start_year, :integer
+  end
+end

test/controllers/retirement_controller_test.rb

@@ -44,7 +44,12 @@ class RetirementControllerTest < ActionDispatch::IntegrationTest
           country: "DE",
           expected_return_pct: 7.0,
           inflation_pct: 2.0,
-          tax_rate_pct: 26.38
+          tax_rate_pct: 26.38,
+          pension_params: {
+            expected_annual_points: 1.0,
+            rentenwert: 39.32,
+            contribution_start_year: 2015
+          }
         }
       }
     end

test/fixtures/retirement_configs.yml

@@ -10,9 +10,10 @@ dylan_retirement:
   inflation_pct: 2.0
   tax_rate_pct: 26.38
   current_monthly_savings: 500.0
-  contribution_start_year: 2015
-  expected_annual_points: 1.0
-  rentenwert: 39.32
+  pension_params:
+    expected_annual_points: 1.0
+    rentenwert: 39.32
+    contribution_start_year: 2015
 
 custom_retirement:
   family: empty
@@ -26,3 +27,18 @@ custom_retirement:
   inflation_pct: 2.5
   tax_rate_pct: 22.0
   current_monthly_savings: 800.0
+
+us_retirement:
+  family: inactive_trial
+  country: US
+  pension_system: us_ss
+  birth_year: 1980
+  retirement_age: 67
+  target_monthly_income: 5000.0
+  currency: USD
+  expected_return_pct: 7.0
+  inflation_pct: 2.5
+  tax_rate_pct: 24.0
+  current_monthly_savings: 1000.0
+  pension_params:
+    estimated_monthly_benefit: 2800.0

test/models/pension_entry_test.rb

@@ -15,9 +15,9 @@ class PensionEntryTest < ActiveSupport::TestCase
     assert_not @entry_2024.valid?
   end
 
-  test "requires current_points" do
+  test "current_points is optional" do
     @entry_2024.current_points = nil
-    assert_not @entry_2024.valid?
+    assert @entry_2024.valid?
   end
 
   test "current_points must be non-negative" do