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Introduces retirement and FIRE (Financial Independence, Retire Early) planning as a new top-level feature in the sidebar navigation. Key features: - RetirementConfig model: stores retirement planning parameters per family (birth year, retirement age, target income, pension system, etc.) - PensionEntry model: tracks pension statements (Renteninformation) over time with pension points, current/projected monthly pension - German GRV pension calculations: - Estimated monthly pension from Entgeltpunkte x Rentenwert - After-tax pension estimation - Monthly pension gap analysis - FIRE calculations: - FIRE number (capital needed via 4% rule, inflation-adjusted) - FIRE progress percentage from current portfolio value - Estimated FIRE date (iterative monthly projection) - Required monthly savings to close pension gap - Dashboard view with overview cards, FIRE progress bar, assumptions panel, and pension history table with add/delete entries - Setup and edit views for configuring retirement parameters - Full i18n support (English + German) - Minitest coverage for models and controller Database: 2 new tables (retirement_configs, pension_entries) with UUID PKs Routes: singular resource with setup, add/destroy pension entry actions This is an initial implementation focused on the German GRV pension system. The architecture supports extending to other pension systems (custom/other). Open to suggestions and improvements from the community - contributions for additional pension systems, visualization charts, or calculation refinements are very welcome.
92 lines
5.6 KiB
Plaintext
92 lines
5.6 KiB
Plaintext
<%# Shared fieldsets for retirement setup and edit forms %>
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<%# Personal Info %>
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<fieldset class="space-y-4">
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<legend class="text-lg font-medium text-primary"><%= t(".personal_section") %></legend>
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<div class="grid grid-cols-1 md:grid-cols-2 gap-4">
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<div>
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<label for="retirement_config_birth_year" class="block text-sm font-medium text-secondary mb-1"><%= t(".birth_year") %></label>
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<%= f.number_field :birth_year, min: 1901, max: Date.current.year, class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2", required: true %>
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</div>
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<div>
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<label for="retirement_config_retirement_age" class="block text-sm font-medium text-secondary mb-1"><%= t(".retirement_age") %></label>
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<%= f.number_field :retirement_age, min: 50, max: 80, class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2", required: true %>
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</div>
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</div>
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</fieldset>
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<%# Financial Targets %>
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<fieldset class="space-y-4">
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<legend class="text-lg font-medium text-primary"><%= t(".financial_section") %></legend>
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<div class="grid grid-cols-1 md:grid-cols-2 gap-4">
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<div>
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<label for="retirement_config_target_monthly_income" class="block text-sm font-medium text-secondary mb-1"><%= t(".target_monthly_income") %></label>
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<%= f.number_field :target_monthly_income, step: 100, min: 0, class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2", required: true %>
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</div>
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<div>
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<label for="retirement_config_current_monthly_savings" class="block text-sm font-medium text-secondary mb-1"><%= t(".current_monthly_savings") %></label>
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<%= f.number_field :current_monthly_savings, step: 50, min: 0, class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
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</div>
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</div>
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<div>
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<label for="retirement_config_currency" class="block text-sm font-medium text-secondary mb-1"><%= t(".currency") %></label>
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<%= f.select :currency, Money::Currency.as_options.map { |c| ["#{c.name} (#{c.iso_code})", c.iso_code] }, {}, class: "form-select w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
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</div>
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</fieldset>
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<%# Pension System %>
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<fieldset class="space-y-4">
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<legend class="text-lg font-medium text-primary"><%= t(".pension_section") %></legend>
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<div class="grid grid-cols-1 md:grid-cols-2 gap-4">
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<div>
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<label for="retirement_config_pension_system" class="block text-sm font-medium text-secondary mb-1"><%= t(".pension_system") %></label>
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<%= 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" %>
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</div>
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<div>
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<label for="retirement_config_country" class="block text-sm font-medium text-secondary mb-1"><%= t(".country") %></label>
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<%= f.text_field :country, class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
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</div>
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</div>
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<div class="grid grid-cols-1 md:grid-cols-3 gap-4">
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<div>
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<label for="retirement_config_expected_annual_points" class="block text-sm font-medium text-secondary mb-1"><%= t(".expected_annual_points") %></label>
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<%= 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" %>
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<p class="text-xs text-secondary mt-1"><%= t(".expected_annual_points_hint") %></p>
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</div>
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<div>
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<label for="retirement_config_rentenwert" class="block text-sm font-medium text-secondary mb-1"><%= t(".rentenwert") %></label>
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<%= 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" %>
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<p class="text-xs text-secondary mt-1"><%= t(".rentenwert_hint") %></p>
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</div>
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<div>
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<label for="retirement_config_contribution_start_year" class="block text-sm font-medium text-secondary mb-1"><%= t(".contribution_start_year") %></label>
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<%= 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" %>
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</div>
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</div>
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</fieldset>
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<%# Assumptions %>
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<fieldset class="space-y-4">
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<legend class="text-lg font-medium text-primary"><%= t(".assumptions_section") %></legend>
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<div class="grid grid-cols-1 md:grid-cols-3 gap-4">
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<div>
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<label for="retirement_config_expected_return_pct" class="block text-sm font-medium text-secondary mb-1"><%= t(".expected_return") %></label>
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<%= f.number_field :expected_return_pct, step: 0.1, min: 0, max: 30, class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
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</div>
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<div>
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<label for="retirement_config_inflation_pct" class="block text-sm font-medium text-secondary mb-1"><%= t(".inflation") %></label>
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<%= f.number_field :inflation_pct, step: 0.1, min: 0, max: 20, class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
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</div>
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<div>
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<label for="retirement_config_tax_rate_pct" class="block text-sm font-medium text-secondary mb-1"><%= t(".tax_rate") %></label>
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<%= f.number_field :tax_rate_pct, step: 0.01, min: 0, max: 100, class: "form-input w-full rounded-lg border border-secondary bg-container text-sm text-primary px-3 py-2" %>
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</div>
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</div>
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</fieldset>
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