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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.
97 lines
2.8 KiB
Ruby
97 lines
2.8 KiB
Ruby
class RetirementController < ApplicationController
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before_action :set_retirement_config, only: %i[show edit update]
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before_action :require_retirement_config, only: %i[add_pension_entry destroy_pension_entry]
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def show
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@pension_entries = @retirement_config.pension_entries_with_gains
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end
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def setup
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@retirement_config = Current.family.retirement_config || Current.family.build_retirement_config(
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birth_year: 1990,
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currency: Current.family.currency
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)
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end
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def create
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# Guard against duplicate creation (unique index on family_id)
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if Current.family.retirement_config
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redirect_to retirement_path
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return
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end
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@retirement_config = Current.family.build_retirement_config(retirement_config_params)
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if @retirement_config.save
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redirect_to retirement_path, notice: t(".created")
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else
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render :setup, status: :unprocessable_entity
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end
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end
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def edit
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end
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def update
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if @retirement_config.update(retirement_config_params)
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redirect_to retirement_path, notice: t(".updated")
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else
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render :edit, status: :unprocessable_entity
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end
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end
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def add_pension_entry
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@pension_entry = @retirement_config.pension_entries.build(pension_entry_params)
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if @pension_entry.save
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redirect_to retirement_path, notice: t(".pension_entry_added")
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else
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@pension_entries = @retirement_config.pension_entries_with_gains
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render :show, status: :unprocessable_entity
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end
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end
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def destroy_pension_entry
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@pension_entry = @retirement_config.pension_entries.find(params[:id])
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@pension_entry.destroy!
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redirect_to retirement_path, notice: t(".pension_entry_removed")
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end
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private
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def set_retirement_config
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@retirement_config = Current.family.retirement_config
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unless @retirement_config
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redirect_to setup_retirement_path
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end
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end
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def require_retirement_config
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@retirement_config = Current.family.retirement_config
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unless @retirement_config
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redirect_to setup_retirement_path, alert: t("retirement.show.setup_required")
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end
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end
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def retirement_config_params
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params.require(:retirement_config).permit(
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:country, :pension_system, :birth_year, :retirement_age,
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:target_monthly_income, :currency, :expected_return_pct,
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:inflation_pct, :tax_rate_pct, :current_monthly_savings,
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:contribution_start_year, :expected_annual_points, :rentenwert
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)
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end
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# Params are scoped under :pension_entry because the form uses
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# form_with url: ..., scope: :pension_entry. Switching to form_with model:
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# would change the nesting — update this permit list accordingly.
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def pension_entry_params
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params.require(:pension_entry).permit(
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:recorded_at, :current_points, :current_monthly_pension,
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:projected_monthly_pension, :notes
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)
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end
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end
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