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add lumpsum
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@Chuiantw1212
Chuiantw1212 committed May 9, 2024
1 parent c5e5619 commit 2c6fe53
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Showing 2 changed files with 60 additions and 14 deletions.
2 changes: 1 addition & 1 deletion components/calculator/index.vue
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Original file line number Diff line number Diff line change
Expand Up @@ -289,7 +289,7 @@ const userForm = reactive({
employerContribution: 0,
employerContributionIncome: 0,
irrOverDecade: 4.76,
totalValue: 0,
lumpSum: 0,
},
percentileRank: 50,
qualityLevel: 3,
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72 changes: 59 additions & 13 deletions components/calculator/retirement.vue
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Original file line number Diff line number Diff line change
Expand Up @@ -38,7 +38,7 @@
<el-col :span="12">
<el-form-item label="目前投保年資">
<el-input-number v-model="retirement.insurance.presentSeniority" :min="0"
@change="calculateRetirement($event)" />
@change="calculateRetirement()" />
</el-form-item>
</el-col>
<el-col :span="12">
Expand All @@ -49,9 +49,14 @@
</el-row>
<el-row>
<el-col :span="12">
<el-form-item label="請領方式">
<econSelect v-model="retirement.pension.type" @change="calculateRetirement()"
style="width: 130px" :options="cilvilServantRetireOptions">
</econSelect>
</el-form-item>
</el-col>
<el-col :span="12">
<el-form-item label="預估老年年金">
<el-form-item label="">
<el-text>{{ Number(retirement.insurance.monthlyAnnuity).toLocaleString() }} /
月</el-text>
</el-form-item>
Expand Down Expand Up @@ -112,16 +117,16 @@
</el-form-item>
</el-col>
<el-col :span="12">
<el-form-item label="預估勞退總額">
<el-text>{{ Number(retirement.pension.totalValue).toLocaleString() }}</el-text>
<el-form-item label="預估一次退總額">
<el-text>{{ Number(retirement.pension.lumpSum).toLocaleString() }}</el-text>
</el-form-item>
</el-col>
</el-row>
<el-row>
<el-col :span="12">
</el-col>
<el-col :span="12">
<el-form-item v-if="retirement.pension.tax" label="預估勞退稅基">
<el-form-item v-if="retirement.pension.tax" label="預估一次退稅基">
<el-text>{{ Number(retirement.pension.tax).toLocaleString() }}</el-text>
</el-form-item>
</el-col>
Expand Down Expand Up @@ -214,6 +219,7 @@
<script setup lang="ts">
import { ref, computed, shallowRef, reactive } from 'vue'
import Chart from 'chart.js/auto';
import econSelect from '../econSelect.vue'
interface IOptionItem {
label: string,
value: string | number | boolean,
Expand Down Expand Up @@ -253,6 +259,20 @@ const detailTitle = {
'employee': '查詢勞保局E化服務系統後設定',
'entrepreneur': '查詢勞保局E化服務系統後設定',
}
const cilvilServantRetireOptions = [
{
label: '一次退休金',
value: 'lumpSum',
},
{
label: '月退休金',
value: 'annuity',
},
{
label: '兼領',
value: 'halfAndHalf',
}
]
// hooks
const retirement = computed(() => {
return props.modelValue
Expand Down Expand Up @@ -292,7 +312,7 @@ function calculateRetirement(options: any = { propagate: true }) {
break;
}
case "civilServant": {
calculateCivilServantPension()
calculateCivilServantRetirement()
break;
}
}
Expand All @@ -303,26 +323,52 @@ function calculateRetirement(options: any = { propagate: true }) {
drawRetirementAssetChart(propagate)
})(propagate)
}
function calculateCivilServantPension() {
function calculateCivilServantRetirement() {
const { futureSeniority, } = retirement.value.insurance
const { type, } = retirement.value.pension
const { salary } = props.career.insurance
if (!futureSeniority || !salary) {
return
}
/**
* 先計算上限與撫卹退休金
* https://law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=S0080034&flno=39
* https://law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=S0080034&flno=29
* 公務人員所具退撫新制實施後任職年資應給與之退休金，依第二十七條所定退休金計算基準與基數內涵，按下列標準計給：
* 一、一次退休金：按照任職年資，每任職一年，給與一又二分之一個基數，最高三十五年，給與五十三個基數；退休審定總年資超過三十五年者，自第三十六年起，每增加一年，增給一個基數，最高給與六十個基數。其退休年資未滿一年之畸零月數，按畸零月數比率計給；未滿一個月者，以一個月計。
* 二、月退休金：按照任職年資，每任職一年，照基數內涵百分之二給與，最高三十五年，給與百分之七十；退休審定總年資超過三十五年者，自第三十六年起，每增一年，照基數內涵百分之一給與，最高給與百分之七十五。其退休年資未滿一年之畸零月數，按畸零月數比率計給；未滿一個月者，以一個月計。
*/
const baseSalary = salary * 2
let lumpSum = 0
if (futureSeniority <= 35) {
lumpSum = 1.5 * futureSeniority
lumpSum = Math.min(53, lumpSum)
} else {
lumpSum = 1.5 * 35
lumpSum += 1 * (lumpSum - 35)
lumpSum = Math.min(60, lumpSum)
}
let percentage = 0
let incomeReplacementMaxRatio = 0
if (futureSeniority <= 35) {
percentage += 2 * futureSeniority
incomeReplacementMaxRatio = 30 + 1.5 * (futureSeniority - 15)
percentage += 1. * futureSeniority
// incomeReplacementMaxRatio = 30 + 1.5 * (futureSeniority - 15)
} else {
percentage += 2 * 35
percentage += (futureSeniority - 35)
percentage = Math.min(75, percentage)
}
/**
* 再計算月退休金
*/
retirement.value.insurance.monthlyAnnuity = 0
if (type === 'lumpSum') {
retirement.value.pension.lumpSum = Math.floor(lumpSum * baseSalary)
}
/**
* 先計算上限與撫卹退休金
* https://law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=S0080034&flno=39
*/
// incomeReplacementMaxRatio = 60 + (futureSeniority - 35) * 0.5
// incomeReplacementMaxRatio = Math.min(62.5, incomeReplacementMaxRatio)
// 30 + (futureSeniority - 30)
Expand Down Expand Up @@ -517,11 +563,11 @@ async function drawRetirementAssetChart(propagate = false) {
pensionChartInstance = shallowRef(chartInstance)
}
function calculatePensionFinalValue(fv = 0) {
retirement.value.pension.totalValue = Number(fv)
retirement.value.pension.lumpSum = Number(fv)
const { futureSeniority } = retirement.value.insurance
const taxFreeLevel = 19.8 * 10000 * futureSeniority
const taxHalfLevel = 39.8 * 10000 * futureSeniority
let taxBasis = retirement.value.pension.totalValue
let taxBasis = retirement.value.pension.lumpSum
taxBasis -= taxFreeLevel
const taxHalf = Math.max(0, taxBasis) / 2
taxBasis -= taxHalfLevel
Expand Down

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