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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>
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