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wealth dashboard: add "spend-down to £0 at 100" stat tiles
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Viktor wanted a glanceable number on the Wealth dashboard for how much
he can spend for the rest of his life — spending the whole net worth
down to zero by age 100.

Adds a third line of six stat tiles to the Overview section, two
equations × three cadences (per day / month / year):

  • FLOOR  — net worth ÷ time remaining to age 100. Treats the money as
    cash (no growth, no inflation): a conservative lower bound.
    ≈ £43/day, £1.3k/mo, £15.8k/yr.
  • 4% REAL — die-with-zero annuity: the constant, inflation-adjusted
    spend that drains the balance to £0 at 100 while it keeps earning
    4% real. PMT = NW·r/(1−(1+r)^−n). ≈ £133/day, £4.0k/mo, £48.5k/yr.

Horizon is today → his 100th birthday (DOB 1998-10-04 → 2098-10-04),
computed live so the figures tick as net worth and the horizon move.
Net worth reuses the existing latest-per-account dav_corrected math, so
the tiles always agree with the "Net worth (current)" stat (pension
included; target £0). The 4% real rate is hard-coded per his "keep it
simple, just a number" steer — a one-line SQL edit to change later.

Layout: tiles inserted at y=9; all sections below shifted down 4 rows.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>
This commit is contained in:
Viktor Barzin 2026-06-21 19:48:30 +00:00
parent c830f9f462
commit 166a2bcab4
1 changed files with 342 additions and 18 deletions
Download patch file Download diff file Expand all files Collapse all files

360
stacks/monitoring/modules/monitoring/dashboards/wealth.json
View file

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@ -2135,7 +2135,7 @@
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@ -2248,6 +2248,330 @@
"rawSql": "WITH active_count AS (SELECT COUNT(*) n FROM accounts), mc AS (SELECT MAX(valuation_date) d FROM (SELECT valuation_date, COUNT(*) c FROM dav_corrected GROUP BY valuation_date) x WHERE c >= (SELECT n FROM active_count)), latest AS (SELECT DISTINCT ON (account_id) account_id, total_value, net_contribution FROM dav_corrected WHERE valuation_date <= (SELECT d FROM mc) ORDER BY account_id, valuation_date DESC), agg AS (SELECT SUM(total_value) nw0, SUM(net_contribution) c_now FROM latest), ago AS (SELECT SUM(x.nc) c_ago FROM latest l LEFT JOIN LATERAL (SELECT net_contribution nc FROM dav_corrected dd WHERE dd.account_id=l.account_id AND dd.valuation_date <= (SELECT d FROM mc) - INTERVAL '12 months' ORDER BY dd.valuation_date DESC LIMIT 1) x ON true), yearly AS (SELECT EXTRACT(YEAR FROM valuation_date)::int yr, valuation_date, SUM(total_value) nw, SUM(net_contribution) contrib FROM dav_corrected WHERE valuation_date <= (SELECT d FROM mc) GROUP BY valuation_date), ep AS (SELECT yr, (array_agg(nw ORDER BY valuation_date))[1] nw_s, (array_agg(nw ORDER BY valuation_date DESC))[1] nw_e, (array_agg(contrib ORDER BY valuation_date))[1] c_s, (array_agg(contrib ORDER BY valuation_date DESC))[1] c_e, COUNT(*) days FROM yearly GROUP BY yr), r3 AS (SELECT (nw_e-nw_s-(c_e-c_s))/NULLIF(nw_s+0.5*(c_e-c_s),0) ret FROM ep WHERE (nw_s+0.5*(c_e-c_s))>0 AND days>=300 ORDER BY yr DESC LIMIT 3), params AS (SELECT (SELECT nw0 FROM agg) nw0, COALESCE(NULLIF('$monthly_contribution','auto')::numeric, ((SELECT c_now FROM agg)-(SELECT c_ago FROM ago))/12.0) cm, ($rate_low::float)/100 rl, ($rate_base::float)/100 rb, ($rate_high::float)/100 rh, (SELECT exp(avg(ln(1+ret)))-1 FROM r3) rhist), m AS (SELECT generate_series(0, ${horizon_years}*12) n) SELECT round((m.n/12.0)::numeric,2) AS \"Years from today\", round((nw0*power(1+(power(1+rl,1/12.0)-1),m.n) + cm*((power(1+(power(1+rl,1/12.0)-1),m.n)-1)/NULLIF((power(1+rl,1/12.0)-1),0)))::numeric,0) AS \"Low ($rate_low%)\", round((nw0*power(1+(power(1+rb,1/12.0)-1),m.n) + cm*((power(1+(power(1+rb,1/12.0)-1),m.n)-1)/NULLIF((power(1+rb,1/12.0)-1),0)))::numeric,0) AS \"Base ($rate_base%)\", round((nw0*power(1+(power(1+rb,1/12.0)-1),m.n))::numeric,0) AS \"Base, no new contributions\", round((nw0*power(1+(power(1+rh,1/12.0)-1),m.n) + cm*((power(1+(power(1+rh,1/12.0)-1),m.n)-1)/NULLIF((power(1+rh,1/12.0)-1),0)))::numeric,0) AS \"High ($rate_high%)\", round((nw0*power(1+(power(1+rhist,1/12.0)-1),m.n) + cm*((power(1+(power(1+rhist,1/12.0)-1),m.n)-1)/NULLIF((power(1+rhist,1/12.0)-1),0)))::numeric,0) AS \"Historical (trailing 3y)\" FROM m, params"
}
]
},
{
"id": 9220,
"title": "Daily spend (floor)",
"description": "FLOOR \u2014 current net worth (including the locked pension) divided evenly across every day remaining until your 100th birthday (2098-10-04). Assumes cash: no growth, no inflation \u2014 a conservative lower bound on sustainable spend. Recomputed live, so it drifts up as net worth grows and the horizon shortens.",
"type": "stat",
"datasource": {
"type": "grafana-postgresql-datasource",
"uid": "wealth-pg"
},
"gridPos": {
"h": 4,
"w": 4,
"x": 0,
"y": 9
},
"fieldConfig": {
"defaults": {
"unit": "currencyGBP",
"decimals": 0,
"color": {
"mode": "fixed",
"fixedColor": "blue"
}
},
"overrides": []
},
"options": {
"colorMode": "value",
"graphMode": "none",
"justifyMode": "center",
"orientation": "auto",
"reduceOptions": {
"calcs": [
"lastNotNull"
],
"fields": "",
"values": false
},
"textMode": "auto"
},
"targets": [
{
"refId": "A",
"datasource": {
"type": "grafana-postgresql-datasource",
"uid": "wealth-pg"
},
"rawQuery": true,
"editorMode": "code",
"format": "table",
"rawSql": "WITH latest AS (SELECT DISTINCT ON (d.account_id) d.account_id, d.total_value FROM dav_corrected d JOIN accounts a ON a.id = d.account_id ORDER BY d.account_id, d.valuation_date DESC), nw AS (SELECT SUM(total_value) AS pv FROM latest), calc AS (SELECT pv, (DATE '2098-10-04' - CURRENT_DATE)::float8 AS days, (DATE '2098-10-04' - CURRENT_DATE)::float8/365.25 AS years, 0.04::float8 AS r FROM nw), pmt AS (SELECT pv, days, years, r, pv*r/(1-power(1+r,-years)) AS annual FROM calc) SELECT round((pv/years/365.25)::numeric,0) AS \"value\" FROM pmt"
}
]
},
{
"id": 9221,
"title": "Monthly spend (floor)",
"description": "FLOOR \u2014 current net worth (including the locked pension) divided evenly across every month remaining until your 100th birthday (2098-10-04). Assumes cash: no growth, no inflation \u2014 a conservative lower bound on sustainable spend. Recomputed live, so it drifts up as net worth grows and the horizon shortens.",
"type": "stat",
"datasource": {
"type": "grafana-postgresql-datasource",
"uid": "wealth-pg"
},
"gridPos": {
"h": 4,
"w": 4,
"x": 4,
"y": 9
},
"fieldConfig": {
"defaults": {
"unit": "currencyGBP",
"decimals": 0,
"color": {
"mode": "fixed",
"fixedColor": "blue"
}
},
"overrides": []
},
"options": {
"colorMode": "value",
"graphMode": "none",
"justifyMode": "center",
"orientation": "auto",
"reduceOptions": {
"calcs": [
"lastNotNull"
],
"fields": "",
"values": false
},
"textMode": "auto"
},
"targets": [
{
"refId": "A",
"datasource": {
"type": "grafana-postgresql-datasource",
"uid": "wealth-pg"
},
"rawQuery": true,
"editorMode": "code",
"format": "table",
"rawSql": "WITH latest AS (SELECT DISTINCT ON (d.account_id) d.account_id, d.total_value FROM dav_corrected d JOIN accounts a ON a.id = d.account_id ORDER BY d.account_id, d.valuation_date DESC), nw AS (SELECT SUM(total_value) AS pv FROM latest), calc AS (SELECT pv, (DATE '2098-10-04' - CURRENT_DATE)::float8 AS days, (DATE '2098-10-04' - CURRENT_DATE)::float8/365.25 AS years, 0.04::float8 AS r FROM nw), pmt AS (SELECT pv, days, years, r, pv*r/(1-power(1+r,-years)) AS annual FROM calc) SELECT round((pv/years/12)::numeric,0) AS \"value\" FROM pmt"
}
]
},
{
"id": 9222,
"title": "Yearly spend (floor)",
"description": "FLOOR \u2014 current net worth (including the locked pension) divided evenly across every year remaining until your 100th birthday (2098-10-04). Assumes cash: no growth, no inflation \u2014 a conservative lower bound on sustainable spend. Recomputed live, so it drifts up as net worth grows and the horizon shortens.",
"type": "stat",
"datasource": {
"type": "grafana-postgresql-datasource",
"uid": "wealth-pg"
},
"gridPos": {
"h": 4,
"w": 4,
"x": 8,
"y": 9
},
"fieldConfig": {
"defaults": {
"unit": "currencyGBP",
"decimals": 0,
"color": {
"mode": "fixed",
"fixedColor": "blue"
}
},
"overrides": []
},
"options": {
"colorMode": "value",
"graphMode": "none",
"justifyMode": "center",
"orientation": "auto",
"reduceOptions": {
"calcs": [
"lastNotNull"
],
"fields": "",
"values": false
},
"textMode": "auto"
},
"targets": [
{
"refId": "A",
"datasource": {
"type": "grafana-postgresql-datasource",
"uid": "wealth-pg"
},
"rawQuery": true,
"editorMode": "code",
"format": "table",
"rawSql": "WITH latest AS (SELECT DISTINCT ON (d.account_id) d.account_id, d.total_value FROM dav_corrected d JOIN accounts a ON a.id = d.account_id ORDER BY d.account_id, d.valuation_date DESC), nw AS (SELECT SUM(total_value) AS pv FROM latest), calc AS (SELECT pv, (DATE '2098-10-04' - CURRENT_DATE)::float8 AS days, (DATE '2098-10-04' - CURRENT_DATE)::float8/365.25 AS years, 0.04::float8 AS r FROM nw), pmt AS (SELECT pv, days, years, r, pv*r/(1-power(1+r,-years)) AS annual FROM calc) SELECT round((pv/years)::numeric,0) AS \"value\" FROM pmt"
}
]
},
{
"id": 9223,
"title": "Daily spend (4% real)",
"description": "DIE-WITH-ZERO at age 100 \u2014 the constant, inflation-adjusted amount you can spend each day while the balance keeps earning 4% real, draining to \u00a30 on your 100th birthday (2098-10-04). Annuity PMT = NW\u00b7r/(1\u2212(1+r)^\u2212n), r = 4% real, n = years to 100. Includes the locked pension.",
"type": "stat",
"datasource": {
"type": "grafana-postgresql-datasource",
"uid": "wealth-pg"
},
"gridPos": {
"h": 4,
"w": 4,
"x": 12,
"y": 9
},
"fieldConfig": {
"defaults": {
"unit": "currencyGBP",
"decimals": 0,
"color": {
"mode": "fixed",
"fixedColor": "green"
}
},
"overrides": []
},
"options": {
"colorMode": "value",
"graphMode": "none",
"justifyMode": "center",
"orientation": "auto",
"reduceOptions": {
"calcs": [
"lastNotNull"
],
"fields": "",
"values": false
},
"textMode": "auto"
},
"targets": [
{
"refId": "A",
"datasource": {
"type": "grafana-postgresql-datasource",
"uid": "wealth-pg"
},
"rawQuery": true,
"editorMode": "code",
"format": "table",
"rawSql": "WITH latest AS (SELECT DISTINCT ON (d.account_id) d.account_id, d.total_value FROM dav_corrected d JOIN accounts a ON a.id = d.account_id ORDER BY d.account_id, d.valuation_date DESC), nw AS (SELECT SUM(total_value) AS pv FROM latest), calc AS (SELECT pv, (DATE '2098-10-04' - CURRENT_DATE)::float8 AS days, (DATE '2098-10-04' - CURRENT_DATE)::float8/365.25 AS years, 0.04::float8 AS r FROM nw), pmt AS (SELECT pv, days, years, r, pv*r/(1-power(1+r,-years)) AS annual FROM calc) SELECT round((annual/365.25)::numeric,0) AS \"value\" FROM pmt"
}
]
},
{
"id": 9224,
"title": "Monthly spend (4% real)",
"description": "DIE-WITH-ZERO at age 100 \u2014 the constant, inflation-adjusted amount you can spend each month while the balance keeps earning 4% real, draining to \u00a30 on your 100th birthday (2098-10-04). Annuity PMT = NW\u00b7r/(1\u2212(1+r)^\u2212n), r = 4% real, n = years to 100. Includes the locked pension.",
"type": "stat",
"datasource": {
"type": "grafana-postgresql-datasource",
"uid": "wealth-pg"
},
"gridPos": {
"h": 4,
"w": 4,
"x": 16,
"y": 9
},
"fieldConfig": {
"defaults": {
"unit": "currencyGBP",
"decimals": 0,
"color": {
"mode": "fixed",
"fixedColor": "green"
}
},
"overrides": []
},
"options": {
"colorMode": "value",
"graphMode": "none",
"justifyMode": "center",
"orientation": "auto",
"reduceOptions": {
"calcs": [
"lastNotNull"
],
"fields": "",
"values": false
},
"textMode": "auto"
},
"targets": [
{
"refId": "A",
"datasource": {
"type": "grafana-postgresql-datasource",
"uid": "wealth-pg"
},
"rawQuery": true,
"editorMode": "code",
"format": "table",
"rawSql": "WITH latest AS (SELECT DISTINCT ON (d.account_id) d.account_id, d.total_value FROM dav_corrected d JOIN accounts a ON a.id = d.account_id ORDER BY d.account_id, d.valuation_date DESC), nw AS (SELECT SUM(total_value) AS pv FROM latest), calc AS (SELECT pv, (DATE '2098-10-04' - CURRENT_DATE)::float8 AS days, (DATE '2098-10-04' - CURRENT_DATE)::float8/365.25 AS years, 0.04::float8 AS r FROM nw), pmt AS (SELECT pv, days, years, r, pv*r/(1-power(1+r,-years)) AS annual FROM calc) SELECT round((annual/12)::numeric,0) AS \"value\" FROM pmt"
}
]
},
{
"id": 9225,
"title": "Yearly spend (4% real)",
"description": "DIE-WITH-ZERO at age 100 \u2014 the constant, inflation-adjusted amount you can spend each year while the balance keeps earning 4% real, draining to \u00a30 on your 100th birthday (2098-10-04). Annuity PMT = NW\u00b7r/(1\u2212(1+r)^\u2212n), r = 4% real, n = years to 100. Includes the locked pension.",
"type": "stat",
"datasource": {
"type": "grafana-postgresql-datasource",
"uid": "wealth-pg"
},
"gridPos": {
"h": 4,
"w": 4,
"x": 20,
"y": 9
},
"fieldConfig": {
"defaults": {
"unit": "currencyGBP",
"decimals": 0,
"color": {
"mode": "fixed",
"fixedColor": "green"
}
},
"overrides": []
},
"options": {
"colorMode": "value",
"graphMode": "none",
"justifyMode": "center",
"orientation": "auto",
"reduceOptions": {
"calcs": [
"lastNotNull"
],
"fields": "",
"values": false
},
"textMode": "auto"
},
"targets": [
{
"refId": "A",
"datasource": {
"type": "grafana-postgresql-datasource",
"uid": "wealth-pg"
},
"rawQuery": true,
"editorMode": "code",
"format": "table",
"rawSql": "WITH latest AS (SELECT DISTINCT ON (d.account_id) d.account_id, d.total_value FROM dav_corrected d JOIN accounts a ON a.id = d.account_id ORDER BY d.account_id, d.valuation_date DESC), nw AS (SELECT SUM(total_value) AS pv FROM latest), calc AS (SELECT pv, (DATE '2098-10-04' - CURRENT_DATE)::float8 AS days, (DATE '2098-10-04' - CURRENT_DATE)::float8/365.25 AS years, 0.04::float8 AS r FROM nw), pmt AS (SELECT pv, days, years, r, pv*r/(1-power(1+r,-years)) AS annual FROM calc) SELECT round((annual)::numeric,0) AS \"value\" FROM pmt"
}
]
}
],
"refresh": "5m",