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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.
287 lines
16 KiB
Python
287 lines
16 KiB
Python
import os
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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 sqlalchemy import JSON, TIMESTAMP, Boolean, Date, Integer, Numeric, String, func, text
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from sqlalchemy.dialects.postgresql import JSONB
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from sqlalchemy.ext.asyncio import AsyncEngine, async_sessionmaker, create_async_engine
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from sqlalchemy.orm import DeclarativeBase, Mapped, mapped_column
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SCHEMA_NAME = "fire_planner"
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class Base(DeclarativeBase):
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pass
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# JSONB on Postgres, plain JSON on SQLite — tests use SQLite, prod uses Postgres.
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JSON_TYPE = JSONB().with_variant(JSON(), "sqlite")
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class AccountSnapshot(Base):
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"""Daily NW per account from Wealthfolio (filled by ingest).
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`external_id` is `wealthfolio:{account_id}:{date}` so re-runs on the same
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day are idempotent — Wealthfolio keeps one snapshot per account per day.
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"""
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__tablename__ = "account_snapshot"
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__table_args__ = {"schema": SCHEMA_NAME} # noqa: RUF012
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id: Mapped[int] = mapped_column(Integer, primary_key=True, autoincrement=True)
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external_id: Mapped[str] = mapped_column(String, unique=True, nullable=False)
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snapshot_date: Mapped[date] = mapped_column(Date, nullable=False, index=True)
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account_id: Mapped[str] = mapped_column(String, nullable=False, index=True)
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account_name: Mapped[str] = mapped_column(String, nullable=False)
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account_type: Mapped[str] = mapped_column(String, nullable=False)
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currency: Mapped[str] = mapped_column(String(3), nullable=False, server_default="GBP")
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market_value: Mapped[Decimal] = mapped_column(Numeric(14, 2), nullable=False)
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market_value_gbp: Mapped[Decimal] = mapped_column(Numeric(14, 2), nullable=False)
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cost_basis_gbp: Mapped[Decimal | None] = mapped_column(Numeric(14, 2), nullable=True)
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raw_extraction: Mapped[dict[str, Any] | None] = mapped_column(JSON_TYPE, nullable=True)
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created_at: Mapped[datetime] = mapped_column(TIMESTAMP(timezone=True),
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nullable=False,
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server_default=func.now())
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class Scenario(Base):
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"""A simulation scenario.
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Two kinds:
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- `kind='cartesian'` — auto-generated from `scenarios.py` Cartesian
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product; rebuilt every recompute, upserted on `external_id`.
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- `kind='user'` — user-defined (named, optionally cloned from a base);
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survives recomputes; `parent_scenario_id` points at the source if any.
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"""
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__tablename__ = "scenario"
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__table_args__ = {"schema": SCHEMA_NAME} # noqa: RUF012
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id: Mapped[int] = mapped_column(Integer, primary_key=True, autoincrement=True)
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external_id: Mapped[str] = mapped_column(String, unique=True, nullable=False)
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kind: Mapped[str] = mapped_column(String(16),
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nullable=False,
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server_default=text("'cartesian'"))
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name: Mapped[str | None] = mapped_column(String, nullable=True)
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description: Mapped[str | None] = mapped_column(String, nullable=True)
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parent_scenario_id: Mapped[int | None] = mapped_column(Integer, nullable=True)
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jurisdiction: Mapped[str] = mapped_column(String(32), nullable=False, index=True)
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strategy: Mapped[str] = mapped_column(String(32), nullable=False, index=True)
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leave_uk_year: Mapped[int] = mapped_column(Integer, nullable=False)
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glide_path: Mapped[str] = mapped_column(String(32), nullable=False)
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spending_gbp: Mapped[Decimal] = mapped_column(Numeric(12, 2), nullable=False)
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horizon_years: Mapped[int] = mapped_column(Integer, nullable=False, server_default=text("60"))
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nw_seed_gbp: Mapped[Decimal] = mapped_column(Numeric(14, 2), nullable=False)
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savings_per_year_gbp: Mapped[Decimal] = mapped_column(Numeric(12, 2),
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nullable=False,
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server_default=text("0"))
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config_json: Mapped[dict[str, Any]] = mapped_column(JSON_TYPE, nullable=False)
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created_at: Mapped[datetime] = mapped_column(TIMESTAMP(timezone=True),
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nullable=False,
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server_default=func.now())
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class McRun(Base):
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"""One MC execution per (scenario, run_at). Stores execution metadata +
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summary statistics — enough to populate a Grafana cell without touching
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the per-path tables."""
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__tablename__ = "mc_run"
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__table_args__ = {"schema": SCHEMA_NAME} # noqa: RUF012
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id: Mapped[int] = mapped_column(Integer, primary_key=True, autoincrement=True)
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scenario_id: Mapped[int] = mapped_column(Integer, nullable=False, index=True)
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run_at: Mapped[datetime] = mapped_column(TIMESTAMP(timezone=True),
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nullable=False,
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server_default=func.now())
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n_paths: Mapped[int] = mapped_column(Integer, nullable=False)
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seed: Mapped[int] = mapped_column(Integer, nullable=False)
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success_rate: Mapped[Decimal] = mapped_column(Numeric(6, 4), nullable=False)
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p10_ending_gbp: Mapped[Decimal] = mapped_column(Numeric(16, 2), nullable=False)
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p50_ending_gbp: Mapped[Decimal] = mapped_column(Numeric(16, 2), nullable=False)
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p90_ending_gbp: Mapped[Decimal] = mapped_column(Numeric(16, 2), nullable=False)
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median_lifetime_tax_gbp: Mapped[Decimal] = mapped_column(Numeric(14, 2), nullable=False)
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median_years_to_ruin: Mapped[Decimal | None] = mapped_column(Numeric(6, 2), nullable=True)
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elapsed_seconds: Mapped[Decimal] = mapped_column(Numeric(8, 3), nullable=False)
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sequence_risk_correlation: Mapped[Decimal | None] = mapped_column(Numeric(6, 4), nullable=True)
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extra: Mapped[dict[str, Any] | None] = mapped_column(JSON_TYPE, nullable=True)
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class McPath(Base):
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"""Sparse per-path storage: top decile, bottom decile, and median paths
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fully stored — enough for a fan chart, not 10k×60 ≈ 600k rows."""
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__tablename__ = "mc_path"
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__table_args__ = {"schema": SCHEMA_NAME} # noqa: RUF012
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id: Mapped[int] = mapped_column(Integer, primary_key=True, autoincrement=True)
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mc_run_id: Mapped[int] = mapped_column(Integer, nullable=False, index=True)
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path_idx: Mapped[int] = mapped_column(Integer, nullable=False)
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bucket: Mapped[str] = mapped_column(String(16), nullable=False)
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year_idx: Mapped[int] = mapped_column(Integer, nullable=False)
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portfolio_gbp: Mapped[Decimal] = mapped_column(Numeric(16, 2), nullable=False)
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withdrawal_gbp: Mapped[Decimal] = mapped_column(Numeric(12, 2), nullable=False)
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tax_paid_gbp: Mapped[Decimal] = mapped_column(Numeric(12, 2), nullable=False)
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real_portfolio_gbp: Mapped[Decimal] = mapped_column(Numeric(16, 2), nullable=False)
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class ProjectionYearly(Base):
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"""Deterministic point projection per scenario — per-year point estimates
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that drive fan charts and the per-year Grafana table. One row per
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(scenario, year)."""
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__tablename__ = "projection_yearly"
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__table_args__ = {"schema": SCHEMA_NAME} # noqa: RUF012
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id: Mapped[int] = mapped_column(Integer, primary_key=True, autoincrement=True)
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mc_run_id: Mapped[int] = mapped_column(Integer, nullable=False, index=True)
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year_idx: Mapped[int] = mapped_column(Integer, nullable=False)
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p10_portfolio_gbp: Mapped[Decimal] = mapped_column(Numeric(16, 2), nullable=False)
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p25_portfolio_gbp: Mapped[Decimal] = mapped_column(Numeric(16, 2), nullable=False)
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p50_portfolio_gbp: Mapped[Decimal] = mapped_column(Numeric(16, 2), nullable=False)
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p75_portfolio_gbp: Mapped[Decimal] = mapped_column(Numeric(16, 2), nullable=False)
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p90_portfolio_gbp: Mapped[Decimal] = mapped_column(Numeric(16, 2), nullable=False)
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p50_withdrawal_gbp: Mapped[Decimal] = mapped_column(Numeric(12, 2), nullable=False)
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p50_tax_gbp: Mapped[Decimal] = mapped_column(Numeric(12, 2), nullable=False)
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survival_rate: Mapped[Decimal] = mapped_column(Numeric(6, 4), nullable=False)
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class ScenarioSummary(Base):
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"""Denormalised fast-read for Grafana — one row per (scenario, latest run)."""
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__tablename__ = "scenario_summary"
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__table_args__ = {"schema": SCHEMA_NAME} # noqa: RUF012
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id: Mapped[int] = mapped_column(Integer, primary_key=True, autoincrement=True)
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scenario_id: Mapped[int] = mapped_column(Integer, unique=True, nullable=False)
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mc_run_id: Mapped[int] = mapped_column(Integer, nullable=False)
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jurisdiction: Mapped[str] = mapped_column(String(32), nullable=False, index=True)
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strategy: Mapped[str] = mapped_column(String(32), nullable=False, index=True)
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leave_uk_year: Mapped[int] = mapped_column(Integer, nullable=False)
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glide_path: Mapped[str] = mapped_column(String(32), nullable=False)
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spending_gbp: Mapped[Decimal] = mapped_column(Numeric(12, 2), nullable=False)
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success_rate: Mapped[Decimal] = mapped_column(Numeric(6, 4), nullable=False)
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p10_ending_gbp: Mapped[Decimal] = mapped_column(Numeric(16, 2), nullable=False)
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p50_ending_gbp: Mapped[Decimal] = mapped_column(Numeric(16, 2), nullable=False)
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p90_ending_gbp: Mapped[Decimal] = mapped_column(Numeric(16, 2), nullable=False)
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median_lifetime_tax_gbp: Mapped[Decimal] = mapped_column(Numeric(14, 2), nullable=False)
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median_years_to_ruin: Mapped[Decimal | None] = mapped_column(Numeric(6, 2), nullable=True)
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updated_at: Mapped[datetime] = mapped_column(TIMESTAMP(timezone=True),
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nullable=False,
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server_default=func.now())
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class LifeEvent(Base):
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"""A timed event in a user's plan: retirement, kid born, mortgage payoff,
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sabbatical, etc. Attached to a scenario.
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`year_start` and `year_end` are offsets from the scenario start year
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(year 0 = today). For one-time events, leave `year_end` = `year_start`.
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`delta_gbp_per_year` is the annual cashflow change while the event is
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active (negative = expense, positive = income; 0 for events that just
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mark a milestone like "retire").
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Free-form `payload` carries event-kind-specific config that the
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simulator hasn't yet learned to consume — graceful forward-compat.
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"""
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__tablename__ = "life_event"
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__table_args__ = {"schema": SCHEMA_NAME} # noqa: RUF012
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id: Mapped[int] = mapped_column(Integer, primary_key=True, autoincrement=True)
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scenario_id: Mapped[int] = mapped_column(Integer, nullable=False, index=True)
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kind: Mapped[str] = mapped_column(String(32), nullable=False)
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name: Mapped[str] = mapped_column(String, nullable=False)
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year_start: Mapped[int] = mapped_column(Integer, nullable=False)
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year_end: Mapped[int | None] = mapped_column(Integer, nullable=True)
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delta_gbp_per_year: Mapped[Decimal] = mapped_column(Numeric(12, 2),
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nullable=False,
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server_default=text("0"))
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one_time_amount_gbp: Mapped[Decimal | None] = mapped_column(Numeric(14, 2), nullable=True)
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# Spending category for flex-spending classification:
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# essential — never trimmed by flex rules (mortgage, food, kids)
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# discretionary — trimmed when portfolio drops vs ATH (travel, dining)
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# not_spending — informational only (a milestone marker that doesn't
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# change cashflow, e.g. a kid graduating)
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# Default is `essential` so existing rows keep their full spending impact.
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category: Mapped[str] = mapped_column(String(16),
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nullable=False,
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server_default=text("'essential'"))
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enabled: Mapped[bool] = mapped_column(Boolean, nullable=False, server_default=text("true"))
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payload: Mapped[dict[str, Any] | None] = mapped_column(JSON_TYPE, nullable=True)
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created_at: Mapped[datetime] = mapped_column(TIMESTAMP(timezone=True),
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nullable=False,
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server_default=func.now())
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class IncomeStream(Base):
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"""A typed, recurring source of income — first-class income object.
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Modelled as a per-scenario row so a user can stack salary, dividends,
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rental, pensions, RSUs, etc. The simulator routes the after-tax
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amount through the jurisdiction's tax engine using `tax_treatment`
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as the bucket hint (income / dividend / cgt / tax_free).
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`start_year` / `end_year` are offsets from the scenario start year.
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`growth_pct` is real growth; the simulator applies it geometrically.
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"""
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__tablename__ = "income_stream"
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__table_args__ = {"schema": SCHEMA_NAME} # noqa: RUF012
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id: Mapped[int] = mapped_column(Integer, primary_key=True, autoincrement=True)
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scenario_id: Mapped[int] = mapped_column(Integer, nullable=False, index=True)
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kind: Mapped[str] = mapped_column(String(32), nullable=False)
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name: Mapped[str] = mapped_column(String, nullable=False)
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start_year: Mapped[int] = mapped_column(Integer, nullable=False, server_default=text("0"))
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end_year: Mapped[int | None] = mapped_column(Integer, nullable=True)
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amount_gbp_per_year: Mapped[Decimal] = mapped_column(Numeric(12, 2),
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nullable=False,
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server_default=text("0"))
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growth_pct: Mapped[Decimal] = mapped_column(Numeric(6, 4),
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nullable=False,
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server_default=text("0"))
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tax_treatment: Mapped[str] = mapped_column(String(16),
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nullable=False,
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server_default=text("'income'"))
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enabled: Mapped[bool] = mapped_column(Boolean, nullable=False, server_default=text("true"))
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payload: Mapped[dict[str, Any] | None] = mapped_column(JSON_TYPE, nullable=True)
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created_at: Mapped[datetime] = mapped_column(TIMESTAMP(timezone=True),
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nullable=False,
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server_default=func.now())
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class RetirementGoal(Base):
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"""A user-defined success criterion for a scenario.
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Examples:
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- target_nw: "have ≥£2M real GBP at year 25" → kind=target_nw,
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target_amount_gbp=2_000_000, target_year=25, comparator='>='
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- never_run_out: "never run out before age 95" → kind=never_run_out,
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target_year=65 (years from start), no amount
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- inheritance: "leave ≥£500k to heirs" → kind=inheritance,
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target_amount_gbp=500_000, target_year=horizon, comparator='>='
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`success_threshold` is the probability bar that counts as "passing"
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(e.g. 0.95 = 95% of MC paths must satisfy the comparator).
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"""
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__tablename__ = "retirement_goal"
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__table_args__ = {"schema": SCHEMA_NAME} # noqa: RUF012
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id: Mapped[int] = mapped_column(Integer, primary_key=True, autoincrement=True)
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scenario_id: Mapped[int] = mapped_column(Integer, nullable=False, index=True)
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kind: Mapped[str] = mapped_column(String(32), nullable=False)
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name: Mapped[str] = mapped_column(String, nullable=False)
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target_amount_gbp: Mapped[Decimal | None] = mapped_column(Numeric(16, 2), nullable=True)
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target_year: Mapped[int | None] = mapped_column(Integer, nullable=True)
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comparator: Mapped[str] = mapped_column(String(4), nullable=False, server_default=text("'>='"))
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success_threshold: Mapped[Decimal] = mapped_column(Numeric(4, 3),
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nullable=False,
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server_default=text("0.95"))
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enabled: Mapped[bool] = mapped_column(Boolean, nullable=False, server_default=text("true"))
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payload: Mapped[dict[str, Any] | None] = mapped_column(JSON_TYPE, nullable=True)
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created_at: Mapped[datetime] = mapped_column(TIMESTAMP(timezone=True),
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nullable=False,
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server_default=func.now())
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def create_engine_from_env() -> AsyncEngine:
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url = os.environ["DB_CONNECTION_STRING"]
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return create_async_engine(url, pool_pre_ping=True)
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def make_session_factory(engine: AsyncEngine) -> async_sessionmaker[Any]:
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return async_sessionmaker(engine, expire_on_commit=False)
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