refresh on scenario edits
Two fixes for the user's report that adding a £100k life-event spend
didn't change the chart:
Engine (simulator.py)
- New `extra_outflows` param. cashflow_adjustments still drains the
portfolio at start-of-year as before, but the simulator now ALSO
records the spending in `withdrawal_hist[p, y]` so the chart's red
median-withdrawal trace shows the bump. Without this, the £100k
silently came out of the portfolio but the user-facing withdrawal
trace stayed at the strategy's flat 4% draw.
- simulate.py wires extra_outflows = essential + discretionary
category outflows from life events.
UX (ScenarioDetail.tsx)
- New auto-refresh: when life events / income streams / flex rules
change for a scenario, the page fires `/simulate` automatically
with 2,000 paths and uses the result as the primary fan/year-stats
source. The persisted MC run is only consulted as a fallback for
scenarios with no overrides.
- Fan chart title gains a "live preview · Xs · Ny" pill while a sim
is current, and "re-running…" while a fresh one is in flight.
- Removed the now-redundant "Live preview run" duplicate card lower
down — the main chart IS the live preview.
- Year-stats badge row reads from sim.data when available so changes
propagate immediately to NW / Δ NW / Spending / Taxes.
247 pytest pass (+1 new); mypy + ruff clean; frontend typecheck/test/
build green.
events, interactive Visx Gantt + spending-profile chart
Charts are now the primary editor for life events. The Plan-tab body
re-orders to make charts ~80% of viewport real-estate; legacy form
sections are collapsed into a drawer.
Backend:
- alembic 0004: life_event.category enum (essential / discretionary /
not_spending). Defaults to essential so existing rows keep their
full spending impact.
- Simulator gains discretionary_outflows + flex_rules params. Tracks
per-path running ATH, applies the deepest applicable cut to
discretionary outflows when portfolio drops vs ATH (PLab-style flex
spending). Cut amount stays in the portfolio (refund pattern).
- New flex_spending module with FlexRule + applicable_cut +
cuts_per_year (vectorised). Sortable rules; "deepest cut wins" so
users specify cumulative cuts at each tier.
- New /scenarios/{id}/spending-profile endpoint returning per-year
base / essential / discretionary / flex_cut / total breakdown.
- SimulateRequest gains flex_rules + life_event.category roundtrip.
- 8 new tests; 246 total pytest pass; mypy + ruff clean.
Frontend (Visx + ECharts):
- Installed @visx/{scale,shape,group,axis,event,responsive,tooltip}
for native SVG drag interactions.
- New <SpendingProfileChart> — Visx stacked-area of base/essential/
discretionary with red flex-cut overlay, hover tooltip, click-to-
scrub-year.
- New <EventGantt> — interactive Visx Gantt:
* Click empty space → popover create at that year (default
essential spending event)
* Click a bar → inline edit popover (name, kind, range, £/y,
category) with delete button
* Drag bar middle → moves the whole event (year-resolution snap)
* Drag bar edges → resizes year_start / year_end
* All gestures persist via PATCH /life-events/{id}
- New <FlexRulesEditor> — list of {from_ath_pct, cut} tiers, save-on-
change to scenario.config_json.flex_rules.
- Plan-tab redesign: NW fan dominant top with floating stat badges
(Year/Age/NW/Δ NW/Spending/Eff. tax) over the chart; spending-
profile chart middle; Gantt bottom; flex-rules editor; legacy form
sections in a collapsed <details> drawer.
- Frontend typecheck + 7 vitest tests + production build all clean.
The What-If form was a 14-field stack with always-visible hint
paragraphs — ~1500px scroll before "Run". The user is single-allocation
(100% stocks), so the glide-path knob was noise. Hardcoded
`static(1.0)` at the API layer; dropped `glide_path` from
`SimulateRequest` (extra field on persisted Scenario rows still
honoured for Cartesian sweeps).
Frontend reorganised into anchor numbers (NW / spend / horizon at
text-2xl), a Plan card (jurisdiction + leave-UK + strategy chips +
conditional Floor/Custom sub-card), a Returns card (3-chip segmented
control with inline manual %), and a folded Advanced section
(savings, MC paths, seed). Verbose hints moved into ⓘ popovers next
to each label. Two new primitives: SegmentedControl + InfoTip.
Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>
The user noticed the "Annual spending" field was a no-op for Trinity,
GK, VPW, VPW+floor — the strategies internally hardcoded the year-0
withdrawal as `initial_portfolio × initial_rate` (4% / 5.5%) and
ignored what the user typed. Two fixes:
(1) Trinity + GK now use state.initial_withdrawal (= the user's
spending_target) as the year-0 draw. GK's guardrail anchor
becomes the implied initial rate (initial_withdrawal /
initial_portfolio), so the rule shape adapts to the user's
chosen rate. Both strategies still fall back to their preset
rate × initial_portfolio when initial_withdrawal isn't set
(test paths). VPW and VPW+floor stay algorithmic — they're
"withdraw-what's-sustainable" by design and don't take a
spending input.
(2) New "custom" preset (SpendingPlanStrategy) exposing all the
knobs:
- initial_spend = "Annual spending" input
- annual_real_adjust_pct = scale last year's withdrawal by N%
each year (0 = constant real £, +0.02 = 2%/yr healthcare
creep, -0.005 = -0.5%/yr slow-down with age)
- guardrail_threshold_pct = if portfolio falls below X% of
starting NW, trigger a cut (None = disabled)
- guardrail_cut_pct = cut last year's withdrawal by Y% each
triggered year
Adjust applies first, then guardrail cut — so a triggered year in
+2% adjust mode goes 40k → 40.8k → 36.7k.
UI: "custom" added to the strategy dropdown; when selected, three
extra fields appear (annual real adjustment %, guardrail trigger
threshold, guardrail cut size) with hints. The existing inputs
(spending, NW seed) drive year 0 across all strategies that use
them. About-the-model panel updated.
10 new tests on SpendingPlanStrategy + adjusted GK tests for the
new spending_target-aware behaviour. 209 backend tests + 7
frontend tests. mypy + ruff + tsc all pass.
Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>
Adds a "Returns model" picker on /what-if that switches how the
simulator's `paths` (n_paths × n_years × 3) is built:
1. shiller (default) — current behaviour, block-bootstrap of the
Shiller 1871+ historical series (or its synthetic-calibrated
fallback when the CSV isn't mounted).
2. manual — every year of every path = the user's "real return %"
input. Deterministic, no fan, useful for sanity checks. New
helper `constant_real_return_paths` constructs the (n_paths,
n_years, 3) tensor with stock=bond=real, cpi=0 so the simulator's
`(1+nominal)/(1+cpi)-1` short-circuits to exactly the input.
3. wealthfolio — pulls daily_account_valuation from the wealthfolio_sync
PG mirror, sums total_value + net_contribution across accounts per
day (FX-adjusted), strips contribution deltas to isolate market
return, compounds daily returns into per-calendar-year samples,
block-bootstraps with block_size=1 (only ~6 distinct samples
available, no serial-correlation signal to preserve). Glide path
is a no-op in this mode — the user's actual blended portfolio is
treated as a single asset.
API: SimulateRequest gains `returns_mode` ("shiller"|"manual"|
"wealthfolio") + `manual_real_return_pct`. simulate.py's `_build_paths`
dispatches; wealthfolio mode opens a transient session against the
mirror DB.
UI: new Field on the form (next to Strategy / Glide path) with a
contextual hint that explains each option's tradeoff. The "About the
model" panel at the bottom now has a "Returns model" section
mirroring the same content. The Manual % input only shows when
returns_mode='manual'.
10 new tests on the Wealthfolio helper (contribution-stripping,
multi-account aggregation, FX, partial-year drop, TOTAL filter,
empty-input, plus 3 deterministic-paths tests). 198 backend tests +
7 frontend tests. mypy strict + ruff + tsc strict all pass.
Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>
The SPA can't carry a Bearer header — there's no client-side mechanism
to obtain the RECOMPUTE_BEARER_TOKEN, and the value can't safely be
embedded in the JS bundle. Result: every POST/PATCH/DELETE on
scenarios/life-events/goals + every /simulate + /compare returned 401
in prod, breaking the SPA end-to-end.
Strip require_bearer from the routers. Authentik forward-auth on the
SPA path (/) is now the security boundary; /api/* is open at both
ingress + app level. Single-tenant personal tool — the data is
the user's own anonymous numeric projections.
Kept on /recompute (heavy admin batch in app.py) since that's an
operator action, not a user one.
Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>
Until now life events were stored but ignored by the engine — pure
metadata. Now they actually move portfolios.
Engine:
- simulator.simulate() takes optional cashflow_adjustments: a (n_years,)
real-GBP array applied each year *after* savings + return but
*before* withdrawal. Positive = inflow, negative = outflow.
- New fire_planner/life_events.py with EventInput dataclass +
events_to_cashflow_array(events, horizon). Handles ranged deltas,
one-time amounts, disabled events, year clipping past horizon,
negative year_start (clipped to 0), and summing multiple events.
API:
- /simulate accepts optional life_events list. Server converts each
to EventInput, builds cashflow_adjustments, passes to simulate().
- Frontend Run-now on scenario detail now fetches the scenario's
life events and includes them in the request — projections finally
reflect "retire at 50, kid born at y3, inheritance at y22".
Tests: 11 events helper + 4 end-to-end engine + 1 API integration =
16 new tests. 188 total (was 172). mypy strict + ruff clean.
Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>
Adds the read+write endpoints the frontend needs to drive a
ProjectionLab-style UX on top of the existing engine.
- /networth, /networth/history — NW total + per-account from
account_snapshot (frontend chart)
- /scenarios CRUD + projection — list/get/create/patch/delete user
scenarios; cartesian read-only
- /scenarios/{id}/life-events — life event CRUD nested under scenario
- /life-events/{id} — patch + delete by id
- /scenarios/{id}/goals,
/goals/{id} — retirement goal CRUD
- /simulate, /compare — sync, no-DB-write what-if endpoints
Auth: Bearer-token dependency on writes + simulate when API_BEARER_TOKEN
is set; reads always open (lock down via Authentik-fronted ingress in
prod). Existing /recompute keeps its bearer auth.
CORS middleware reads FRONTEND_ORIGINS (comma-separated) for the dev
SPA. Lifespan now provisions the SQLAlchemy engine + session_factory
on app.state and disposes them on shutdown.
40 new tests covering happy paths and validation. 172 tests total.
mypy strict + ruff clean (B008 ignore added — Depends() in defaults
is the canonical FastAPI pattern, not a bug).
Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>
