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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.
84 lines
2.2 KiB
Ruby
84 lines
2.2 KiB
Ruby
require "test_helper"
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class RetirementConfigTest < ActiveSupport::TestCase
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setup do
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@config = retirement_configs(:dylan_retirement)
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end
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test "valid retirement config" do
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assert @config.valid?
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end
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test "requires birth_year" do
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@config.birth_year = nil
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assert_not @config.valid?
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end
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test "target_monthly_income must be positive" do
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@config.target_monthly_income = 0
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assert_not @config.valid?
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@config.target_monthly_income = -1
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assert_not @config.valid?
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end
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test "pension_system must be in allowed list" do
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@config.pension_system = "invalid"
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assert_not @config.valid?
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end
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test "current_age calculated from birth_year" do
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@config.birth_year = 1990
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expected = Date.current.year - 1990
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assert_equal expected, @config.current_age
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end
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test "years_to_retirement returns non-negative value" do
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@config.birth_year = 1990
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@config.retirement_age = 67
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expected = [ 67 - (Date.current.year - 1990), 0 ].max
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assert_equal expected, @config.years_to_retirement
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end
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test "retired? returns true when past retirement age" do
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@config.birth_year = 1940
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@config.retirement_age = 67
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assert @config.retired?
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end
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test "retired? returns false when before retirement age" do
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@config.birth_year = 2000
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@config.retirement_age = 67
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assert_not @config.retired?
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end
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test "estimated_monthly_pension uses latest projected pension when available" do
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assert_equal 1850.0, @config.estimated_monthly_pension
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end
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test "monthly_pension_gap is non-negative" do
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assert @config.monthly_pension_gap >= 0
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end
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test "fire_number is positive when target income is positive" do
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assert @config.fire_number > 0
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end
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test "fire_progress_pct is between 0 and 100" do
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pct = @config.fire_progress_pct
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assert pct >= 0
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assert pct <= 100
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end
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test "capital_needed_for_gap returns 0 when no gap exists" do
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@config.target_monthly_income = 0.01
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@config.stubs(:estimated_monthly_pension_after_tax).returns(1000)
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assert_equal 0, @config.capital_needed_for_gap
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end
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test "required_monthly_savings returns 0 when no capital needed" do
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@config.stubs(:capital_needed_for_gap).returns(0)
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assert_equal 0, @config.required_monthly_savings
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end
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end
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