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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.
511 lines
18 KiB
Python
511 lines
18 KiB
Python
"""Pydantic response/request schemas for the HTTP API.
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Mirror the SQLAlchemy ORM but keep them de-coupled — the API surface is a
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contract for the frontend; we don't want migrations to silently change
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JSON shape.
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"""
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from __future__ import annotations
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from datetime import date, datetime
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from decimal import Decimal
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from typing import Any
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from pydantic import BaseModel, ConfigDict, Field
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class _Base(BaseModel):
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model_config = ConfigDict(from_attributes=True)
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# ── scenarios ────────────────────────────────────────────────────────
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class ScenarioOut(_Base):
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id: int
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external_id: str
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kind: str
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name: str | None
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description: str | None
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parent_scenario_id: int | None
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jurisdiction: str
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strategy: str
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leave_uk_year: int
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glide_path: str
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spending_gbp: Decimal
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horizon_years: int
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nw_seed_gbp: Decimal
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savings_per_year_gbp: Decimal
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config_json: dict[str, Any]
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created_at: datetime
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class ScenarioCreate(BaseModel):
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"""Body for POST /scenarios — user-defined scenario."""
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name: str = Field(min_length=1, max_length=200)
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description: str | None = None
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parent_scenario_id: int | None = None
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jurisdiction: str
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strategy: str
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leave_uk_year: int = Field(ge=0, le=60)
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glide_path: str
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spending_gbp: Decimal = Field(gt=0)
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horizon_years: int = Field(ge=5, le=100, default=60)
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nw_seed_gbp: Decimal = Field(ge=0)
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savings_per_year_gbp: Decimal = Field(ge=0, default=Decimal("0"))
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config_json: dict[str, Any] = Field(default_factory=dict)
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class ScenarioPatch(BaseModel):
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"""Body for PATCH /scenarios/{id} — all fields optional."""
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name: str | None = None
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description: str | None = None
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jurisdiction: str | None = None
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strategy: str | None = None
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leave_uk_year: int | None = None
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glide_path: str | None = None
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spending_gbp: Decimal | None = None
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horizon_years: int | None = None
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nw_seed_gbp: Decimal | None = None
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savings_per_year_gbp: Decimal | None = None
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config_json: dict[str, Any] | None = None
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# ── projections ──────────────────────────────────────────────────────
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class ProjectionPoint(_Base):
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year_idx: int
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p10_portfolio_gbp: Decimal
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p25_portfolio_gbp: Decimal
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p50_portfolio_gbp: Decimal
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p75_portfolio_gbp: Decimal
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p90_portfolio_gbp: Decimal
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p50_withdrawal_gbp: Decimal
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p50_tax_gbp: Decimal
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survival_rate: Decimal
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class GoalProbability(BaseModel):
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goal_id: int | None
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name: str
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kind: str
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probability: Decimal
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threshold: Decimal
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passed: bool
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class ScenarioProjection(BaseModel):
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"""Latest MC run + per-year fan-chart series for a scenario."""
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scenario_id: int
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external_id: str
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mc_run_id: int
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run_at: datetime
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n_paths: int
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success_rate: Decimal
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p10_ending_gbp: Decimal
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p50_ending_gbp: Decimal
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p90_ending_gbp: Decimal
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median_lifetime_tax_gbp: Decimal
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median_years_to_ruin: Decimal | None
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yearly: list[ProjectionPoint]
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goals_probability: list[GoalProbability] = Field(default_factory=list)
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# ── net worth ────────────────────────────────────────────────────────
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class AccountSnapshotOut(_Base):
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account_id: str
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account_name: str
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account_type: str
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currency: str
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snapshot_date: date
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market_value: Decimal
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market_value_gbp: Decimal
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cost_basis_gbp: Decimal | None
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class NetWorthCurrent(BaseModel):
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"""Snapshot at one point in time (latest by default)."""
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snapshot_date: date
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total_gbp: Decimal
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accounts: list[AccountSnapshotOut]
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class NetWorthHistoryPoint(BaseModel):
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snapshot_date: date
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total_gbp: Decimal
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by_account: dict[str, Decimal]
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class NetWorthHistory(BaseModel):
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"""Per-day NW totals + per-account breakdown for a stacked area chart."""
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points: list[NetWorthHistoryPoint]
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# ── annual spending (from actualbudget) ──────────────────────────────
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class SpendingMonth(BaseModel):
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"""One month's outflows (positive £) by category group, after
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income groups have been dropped upstream."""
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month: str # "YYYY-MM"
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by_group: dict[str, Decimal]
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total_gbp: Decimal
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class AnnualSpending(BaseModel):
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"""Aggregated trailing-N-month spending pulled from actualbudget.
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`total_gbp` is the headline figure used as the "Annual spending"
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default in the WhatIf form. It is **inflation-adjusted to today's
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£** (each month's nominal pence revalued forward by
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`inflation_pct` compounded monthly), matching the simulator's
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real-£ convention.
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`nominal_total_gbp` is the same window without inflation
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adjustment — for transparency / comparison.
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`raw_total_gbp` is the nominal sum *including* groups that were
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excluded (e.g. investment transfers) — useful when you want to
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see your full cash outflow.
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"""
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months: int
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window_start: str # "YYYY-MM" (oldest month included)
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window_end: str # "YYYY-MM" (newest)
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excluded_groups: list[str]
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inflation_pct: Decimal # annual rate applied
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total_gbp: Decimal # inflation-adjusted, after exclusions
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nominal_total_gbp: Decimal # not adjusted, after exclusions
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raw_total_gbp: Decimal # nominal, before exclusions
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by_group_total_gbp: dict[str, Decimal] # nominal 12-mo group sums (incl. excluded)
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monthly: list[SpendingMonth]
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# ── life events ──────────────────────────────────────────────────────
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_CATEGORY_PATTERN = "^(essential|discretionary|not_spending)$"
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class LifeEventOut(_Base):
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id: int
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scenario_id: int
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kind: str
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name: str
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year_start: int
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year_end: int | None
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delta_gbp_per_year: Decimal
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one_time_amount_gbp: Decimal | None
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category: str = "essential"
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enabled: bool
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payload: dict[str, Any] | None
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created_at: datetime
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class LifeEventCreate(BaseModel):
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kind: str
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name: str = Field(min_length=1, max_length=200)
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year_start: int = Field(ge=0, le=100)
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year_end: int | None = Field(default=None, ge=0, le=100)
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delta_gbp_per_year: Decimal = Decimal("0")
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one_time_amount_gbp: Decimal | None = None
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category: str = Field(default="essential", pattern=_CATEGORY_PATTERN)
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enabled: bool = True
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payload: dict[str, Any] | None = None
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class LifeEventPatch(BaseModel):
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kind: str | None = None
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name: str | None = None
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year_start: int | None = None
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year_end: int | None = None
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delta_gbp_per_year: Decimal | None = None
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one_time_amount_gbp: Decimal | None = None
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category: str | None = Field(default=None, pattern=_CATEGORY_PATTERN)
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enabled: bool | None = None
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payload: dict[str, Any] | None = None
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# ── goals ────────────────────────────────────────────────────────────
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class GoalOut(_Base):
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id: int
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scenario_id: int
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kind: str
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name: str
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target_amount_gbp: Decimal | None
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target_year: int | None
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comparator: str
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success_threshold: Decimal
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enabled: bool
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payload: dict[str, Any] | None
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created_at: datetime
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class GoalCreate(BaseModel):
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kind: str
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name: str = Field(min_length=1, max_length=200)
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target_amount_gbp: Decimal | None = None
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target_year: int | None = Field(default=None, ge=0, le=100)
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comparator: str = ">="
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success_threshold: Decimal = Field(default=Decimal("0.95"), ge=0, le=1)
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enabled: bool = True
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payload: dict[str, Any] | None = None
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# ── income streams ───────────────────────────────────────────────────
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class IncomeStreamOut(_Base):
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id: int
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scenario_id: int
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kind: str
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name: str
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start_year: int
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end_year: int | None
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amount_gbp_per_year: Decimal
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growth_pct: Decimal
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tax_treatment: str
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enabled: bool
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payload: dict[str, Any] | None
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created_at: datetime
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class IncomeStreamCreate(BaseModel):
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kind: str
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name: str = Field(min_length=1, max_length=200)
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start_year: int = Field(ge=0, le=100, default=0)
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end_year: int | None = Field(default=None, ge=0, le=100)
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amount_gbp_per_year: Decimal = Field(ge=0, default=Decimal("0"))
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growth_pct: Decimal = Field(default=Decimal("0"), ge=-1, le=1)
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tax_treatment: str = Field(default="income", pattern="^(income|dividend|cgt|tax_free)$")
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enabled: bool = True
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payload: dict[str, Any] | None = None
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class IncomeStreamPatch(BaseModel):
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kind: str | None = None
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name: str | None = None
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start_year: int | None = None
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end_year: int | None = None
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amount_gbp_per_year: Decimal | None = None
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growth_pct: Decimal | None = None
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tax_treatment: str | None = None
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enabled: bool | None = None
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payload: dict[str, Any] | None = None
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class IncomeStreamInput(BaseModel):
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"""Engine-level income stream — same shape minus the row metadata."""
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kind: str = "salary"
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start_year: int = Field(ge=0, le=100, default=0)
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end_year: int | None = Field(default=None, ge=0, le=100)
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amount_gbp_per_year: Decimal = Field(ge=0, default=Decimal("0"))
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growth_pct: Decimal = Field(default=Decimal("0"))
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tax_treatment: str = Field(default="income", pattern="^(income|dividend|cgt|tax_free)$")
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enabled: bool = True
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# ── year stats (per-year scrubber sidebar) ───────────────────────────
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class YearStats(BaseModel):
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"""Per-year metrics for the right-hand stats sidebar.
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Most fields derive from the latest persisted MC run + scenario
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config. Liquid NW / Expenses / Savings rate / Portfolio allocations
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are stubbed null until the relevant Wave 2 features land
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(real-estate split, expense streams, allocation editor).
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"""
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year_idx: int
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calendar_year: int
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age: int | None
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net_worth_p50: Decimal
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change_in_nw: Decimal
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taxable_income: Decimal
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taxes: Decimal
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effective_tax_rate: Decimal
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spending: Decimal
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contributions: Decimal
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investment_growth: Decimal
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liquid_nw: Decimal | None = None
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expenses: Decimal | None = None
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savings_rate: Decimal | None = None
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portfolio_allocations: dict[str, Decimal] | None = None
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# ── progress overlay (actuals vs projection) ─────────────────────────
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class ProgressActualPoint(BaseModel):
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snapshot_date: date
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total_gbp: Decimal
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class ProgressProjectedPoint(BaseModel):
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year_idx: int
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p10_portfolio_gbp: Decimal
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p50_portfolio_gbp: Decimal
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p90_portfolio_gbp: Decimal
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class ProgressVariancePoint(BaseModel):
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year_idx: int
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actual_avg_gbp: Decimal
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projected_p50_gbp: Decimal
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delta_gbp: Decimal
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class ProgressResponse(BaseModel):
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"""`actual` is daily NW totals from `account_snapshot`. `projected`
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is the latest persisted fan in `projection_yearly`. `alignment_anchor`
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is the date corresponding to year_idx=0 — earliest snapshot or scenario
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`created_at` when no snapshots exist yet."""
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scenario_id: int
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alignment_anchor: date
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actual: list[ProgressActualPoint]
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projected: list[ProgressProjectedPoint]
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variance: list[ProgressVariancePoint]
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# ── cashflow Sankey ──────────────────────────────────────────────────
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class CashflowResponse(BaseModel):
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"""Per-year sources/sinks for a Sankey diagram. Sums conserve at the
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Sankey level: total inflow == total outflow, with savings + ending-NW
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delta absorbing any leftover."""
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scenario_id: int
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year: int
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sources: dict[str, Decimal]
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sinks: dict[str, Decimal]
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# ── simulate / compare ───────────────────────────────────────────────
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class LifeEventInput(BaseModel):
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"""Engine-level event shape — same as the DB row's relevant fields."""
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year_start: int = Field(ge=0, le=100)
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year_end: int | None = Field(default=None, ge=0, le=100)
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delta_gbp_per_year: Decimal = Decimal("0")
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one_time_amount_gbp: Decimal | None = None
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category: str = Field(default="essential", pattern=_CATEGORY_PATTERN)
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enabled: bool = True
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class FlexRule(BaseModel):
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"""ProjectionLab-style flex-spending rule.
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When the portfolio falls ``from_ath_pct`` below its running all-time-high,
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cut discretionary spending by ``cut_discretionary_pct``. Multiple rules
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stack via "worst applicable threshold wins" — at -30% from ATH a rule
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keyed at -10% AND a rule keyed at -25% both apply, but only the deeper
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cut takes effect (so users specify *cumulative* cuts, not per-tier).
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`from_ath_pct` is the absolute drop magnitude as a positive fraction:
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0.30 means "the portfolio is 30% below its ATH". This matches the way
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PLab labels its sliders ("if down 30%, cut 60%").
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"""
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from_ath_pct: Decimal = Field(ge=0, le=1)
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cut_discretionary_pct: Decimal = Field(ge=0, le=1)
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# ── spending profile ────────────────────────────────────────────────
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class SpendingProfilePoint(BaseModel):
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year_idx: int
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base_gbp: Decimal
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essential_gbp: Decimal
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discretionary_gbp: Decimal
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not_spending_gbp: Decimal
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flex_cut_gbp: Decimal
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total_gbp: Decimal
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class SpendingProfileResponse(BaseModel):
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scenario_id: int
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horizon_years: int
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points: list[SpendingProfilePoint]
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class SimulateRequest(BaseModel):
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"""Sync, non-persisted simulate. Used by the React UI for what-if.
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Allocation is hardcoded to 100% stocks at the engine layer
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(`api/simulate.py::_project`). The UI removed the glide-path knob
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in 2026-05; persisted Cartesian scenarios still carry their own
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`glide_path` string on the `scenario` table.
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"""
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jurisdiction: str
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strategy: str
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leave_uk_year: int = Field(ge=0, le=60)
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spending_gbp: Decimal = Field(gt=0)
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nw_seed_gbp: Decimal = Field(ge=0)
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savings_per_year_gbp: Decimal = Decimal("0")
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horizon_years: int = Field(ge=5, le=100, default=60)
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floor_gbp: Decimal | None = None
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n_paths: int = Field(ge=100, le=50_000, default=5_000)
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seed: int = 42
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life_events: list[LifeEventInput] = Field(default_factory=list)
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# Returns model — controls how `paths` (n_paths × n_years × 3) is built:
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# "shiller" — block-bootstrap of Shiller 1871+ historical returns
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# (or the synthetic Shiller-calibrated stream when the
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# CSV isn't mounted). The default; broadest regime
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# coverage including 1929/1973/2000/2008.
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# "manual" — every year of every path = `manual_real_return_pct`.
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# Deterministic, no fan, useful for sanity checks.
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# "wealthfolio" — block-bootstrap of the user's actual blended real
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# returns derived from wealthfolio_sync. Reflects the
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# recent regime only (~6 years). Glide path is moot.
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returns_mode: str = Field(default="shiller", pattern="^(shiller|manual|wealthfolio)$")
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manual_real_return_pct: Decimal | None = None
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income_streams: list[IncomeStreamInput] = Field(default_factory=list)
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goals: list[GoalCreate] = Field(default_factory=list)
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flex_rules: list[FlexRule] = Field(default_factory=list)
|
||
# Rates settings (Wave 1.D.3). When `rates_mode='fixed'`, the engine
|
||
# synthesises a deterministic real-return path from the per-asset
|
||
# growth + dividend + inflation rates below, weighted by the static
|
||
# 100% glide. `historical` falls back to Shiller bootstrap (legacy
|
||
# `returns_mode` honoured when rates_mode is not set). `advanced` is
|
||
# a Wave 2 stub.
|
||
rates_mode: str | None = Field(default=None, pattern="^(fixed|historical|advanced)$")
|
||
inflation_pct: Decimal = Field(default=Decimal("0.03"))
|
||
stocks_growth_pct: Decimal = Field(default=Decimal("0.06"))
|
||
stocks_dividend_pct: Decimal = Field(default=Decimal("0.025"))
|
||
bonds_growth_pct: Decimal = Field(default=Decimal("0.015"))
|
||
bonds_dividend_pct: Decimal = Field(default=Decimal("0.035"))
|
||
stocks_allocation: Decimal = Field(default=Decimal("1.0"), ge=0, le=1)
|
||
# Custom spending-plan parameters — only consulted when strategy="custom".
|
||
# All real-£ / real-fraction. annual_real_adjust_pct = 0 means constant
|
||
# real spending (Trinity-shape). Non-zero scales last year's withdrawal
|
||
# multiplicatively each year (e.g. -0.005 for slow-down with age,
|
||
# +0.02 for healthcare creep). Guardrail cuts spending by
|
||
# `guardrail_cut_pct` whenever the portfolio falls below
|
||
# `guardrail_threshold_pct` of its starting value; null disables.
|
||
annual_real_adjust_pct: Decimal = Decimal("0")
|
||
guardrail_threshold_pct: Decimal | None = None
|
||
guardrail_cut_pct: Decimal = Decimal("0.10")
|
||
|
||
|
||
class SimulateResult(BaseModel):
|
||
success_rate: Decimal
|
||
p10_ending_gbp: Decimal
|
||
p50_ending_gbp: Decimal
|
||
p90_ending_gbp: Decimal
|
||
median_lifetime_tax_gbp: Decimal
|
||
median_years_to_ruin: Decimal | None
|
||
elapsed_seconds: Decimal
|
||
yearly: list[ProjectionPoint]
|
||
goals_probability: list[GoalProbability] = Field(default_factory=list)
|
||
|
||
|
||
class CompareRequest(BaseModel):
|
||
scenarios: list[SimulateRequest] = Field(min_length=2, max_length=5)
|
||
|
||
|
||
class CompareResult(BaseModel):
|
||
results: list[SimulateResult]
|