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fix life remains
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@Chuiantw1212
Chuiantw1212 committed May 13, 2024
1 parent ac70b09 commit 64a7e00
Showing 1 changed file with 119 additions and 29 deletions.
148 changes: 119 additions & 29 deletions components/calculator/retirement.vue
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Original file line number Diff line number Diff line change
Expand Up @@ -33,7 +33,8 @@
</el-col>
</el-row>
<el-collapse>
<el-collapse-item :title="detailTitle[profile.careerInsuranceType]" :disabled="isFormDisabled">
<el-collapse-item v-if="['civilServant',].includes(profile.careerInsuranceType)" title="查詢人事服務網ECPA後設定"
:disabled="isFormDisabled">
<el-row>
<el-col :span="12">
<el-form-item label="目前投保年資">
Expand All @@ -49,20 +50,54 @@
</el-row>
<el-row>
<el-col :span="12">
<el-form-item v-if="['civilServant'].includes(profile.careerInsuranceType)" label="請領方式">
<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-col>
</el-row>
<el-row>
<el-col :span="12">
<el-form-item label="退撫所得替代率上限">
<el-text>{{
Number(retirement.pension.incomeReplacementMaxRatio).toLocaleString() }} %</el-text>
</el-form-item>
</el-col>
<el-col :span="12">
<el-form-item label="每月退休金">
<el-text>{{
Number(retirement.pension.monthlyAnnuity).toLocaleString() }} /
月</el-text>
</el-form-item>
</el-col>
</el-row>
</el-collapse-item>
<el-collapse-item v-if="['employee', 'entrepreneur'].includes(profile.careerInsuranceType)"
title="查詢勞保局E化服務系統後設定" :disabled="isFormDisabled">
<el-row>
<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()" />
</el-form-item>
</el-col>
<el-col :span="12">
<el-form-item label="預估屆退年資">
<el-text>{{ retirement.insurance.futureSeniority }} 年</el-text>
</el-form-item>
</el-col>
</el-row>
<el-row>
<el-col :span="12">
</el-col>
<el-col :span="12">
<el-form-item label="每月年金">
<el-text v-if="['employee', 'entrepreneur'].includes(profile.careerInsuranceType)">{{
<el-text>{{
Number(retirement.insurance.monthlyAnnuity).toLocaleString() }} /
月</el-text>
<el-text v-if="['civilServant',].includes(profile.careerInsuranceType)">{{
Number(retirement.pension.monthlyAnnuity).toLocaleString() }} /
月</el-text>
</el-form-item>
</el-col>
</el-row>
Expand All @@ -85,10 +120,10 @@
</el-form-item>
</el-col>
</el-row>
<template v-if="['employee', 'entrepreneur'].includes(profile.careerInsuranceType)">
<template>
<el-row>
<el-col :span="12">
<el-form-item label="強制提繳累計">
<el-form-item label="雇主提繳累計">
<el-input-number v-model="retirement.pension.employerContribution" :min="0"
@change="calculateRetirement($event)" />
</el-form-item>
Expand All @@ -102,7 +137,7 @@
</el-row>
<el-row>
<el-col :span="12">
<el-form-item label="強制提繳收益">
<el-form-item label="雇主提繳收益">
<el-input-number v-model="retirement.pension.employerContributionIncome" :min="0"
@change="calculateRetirement($event)" />
</el-form-item>
Expand Down Expand Up @@ -322,10 +357,10 @@ const unableToDraw = computed(() => {
return noIncome || noBefore || noAfter
})
// methods
function calculateRetirement(options: any = { propagate: true }) {
async function calculateRetirement(options: any = { propagate: true }) {
resetData()
calculateExpenseQuartileMarks()
calculateRetireLife()
await calculateRetireLife()
calculateFutureSeniority()
const { careerInsuranceType } = props.profile
switch (careerInsuranceType) {
Expand All @@ -336,7 +371,10 @@ function calculateRetirement(options: any = { propagate: true }) {
break;
}
case "civilServant": {
// 公教退休金計算，先算退撫所得，再算職業保險年金給付
/**
* 台糖試算專題 (EN：公教人員的退撫有多重天花板)
* https://www.taisugar.com.tw/Monthly/CPN.aspx?ms=1397&p=13385448&s=13385467
*/
calculateCivilServantPension()
calculateCivilServantInsurance()
break;
Expand Down Expand Up @@ -367,28 +405,46 @@ function calculateCivilServantInsurance() {
*/
/**
* 公保法第16條
* 第三項
* 依第一項規定請領養老給付之被保險人符合下列條件之一者，給與養老年金給付：
* 一、繳付本保險保險費滿十五年以上且年滿六十五歲。
* 二、繳付本保險保險費滿二十年以上且年滿六十歲。
* 三、繳付本保險保險費滿三十年以上且年滿五十五歲。
*
* 第八項
* 依第四項規定按基本年金率計給養老年金給付之被保險人，其每月退休（職、伍）給與，加計每月可領養老年金給付之總和，
* 不得超過其最後在職加保投保俸（薪）額二倍之百分之八十；
* 超過者，應調降公保養老年金給付，或得選擇不請領養老年金給付而請領一次養老給付；一經領受，不得變更。
*
* 第十三項
* 第八項之給付率自公務人員及公立學校教職員退撫法律制定通過後，另行調整。(EN：尚未調整)
* 第八項之給付率自公務人員及公立學校教職員退撫法律制定通過後，另行調整。
* https://law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=S0070001&flno=16
*/
/**
* 公保法第17條
*
* 第一項
* 被保險人依前條第三項規定請領養老年金給付者，其每月退休（職、伍）給與，加計每月可領養老年金給付之總和，
* 不得超過其最後在職加保投保俸（薪）額二倍之一定百分比（以下簡稱退休年金給與上限）。
* 一、保險年資十五年以下，每滿一年，以百分之二計；第十六年起，每滿一年，以百分之二點五計，最高增至百分之八十。
* 二、保險年資未滿六個月者，以六個月計；滿六個月以上未滿一年者，以一年計。
*
* 第四項 (EN：月退一次領仍可能吃掉養老給付)
* 第一項所定每月退休（職、伍）給與，包含下列內涵：
* 一、被保險人支（兼）領之月退休（職、伍）給與或類此之非一次性離退給與。
* 二、被保險人支（兼）領之一次性退休（職、伍）給與、資遣給與、年資結算金或類此之一次性離退給與，應依平均餘命，按月攤提併入每月退休給與計算。
* 三、被保險人依規定領有其支（兼）領一次退休（職、伍）給與之每月優惠存款利息。
* https://law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=S0070001&flno=17
*/
/**
* 公保法第18條
* 被保險人保險年資滿十五年，未符合第十六條養老年金給付請領資格者，得提前五年請領養老年金給付，每提前一年，依第十六條規定計算之給付金額減給百分之四，最多減給百分之二十。
*/
/**
* 公保法第19條
* 依第十七條規定計得之每月可領養老年金給付，其保險年資每滿一年之給付率低於基本年金率時，仍應按基本年金率計給；超過上限年金率時，應按上限年金率計給。
* https://law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=S0070001&flno=19
*/
const { futureSeniority, } = retirement.value.insurance
const { monthlyAnnuity = 0, } = retirement.value.pension
let incomeReplacementMaxRatio = 0
Expand Down Expand Up @@ -425,12 +481,13 @@ function calculateCivilServantPension() {
* 前項替代率應依退休人員審定之退休年資，照附表三所定替代率計算，
* 任職滿十五年者，替代率為百分之四十五，其後每增加一年，替代率增給百分之一點五，最高增至三十五年，為百分之七十五。
* 未滿一年之畸零年資，按比率計算；未滿一個月者，以一個月計。
* https://law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=S0080034&flno=37
*/
/**
* 退撫法第38條
* 本法公布"施行後"退休生效者之每月退休所得，不得超過依替代率上限計算之金額。
* 前項替代率應依退休人員審定之退休年資，照附表三所定替代率計算；任職滿十五年至第三十五年者，照前條第二項規定辦理；
* 超過第三十五年者，每增加一年，增給百分之零點五，最高增至四十年止。未滿一年之畸零年資，按比率計算；未滿一個月者，以一個月計。
* 前項替代率應依退休人員審定之退休年資，照附表三所定替代率計算；任職滿十五年至第三十五年者，照前條第二項規定辦理；(EN：就是75%)
* 超過第三十五年者，每增加一年，增給百分之零點五，最高增至四十年止。未滿一年之畸零年資，按比率計算；未滿一個月者，以一個月計。(EN：這邊是給延後退休的選擇)
*/
/**
* 退撫法第39條
Expand Down Expand Up @@ -458,14 +515,14 @@ function calculateCivilServantPension() {
let incomeReplacementMaxRatio = 0
if (futureSeniority <= 35) {
monthlyAnnuity += 2 * futureSeniority
// // 替代率天花板
// incomeReplacementMaxRatio = 30 + (futureSeniority - 15) * 1.5
// 替代率天花板
incomeReplacementMaxRatio = 30 + (futureSeniority - 15) * 1.5
} else {
monthlyAnnuity += 2 * 35
monthlyAnnuity += (futureSeniority - 35)
monthlyAnnuity = Math.min(75, monthlyAnnuity)
// // 替代率天花板
// incomeReplacementMaxRatio = 60 + (futureSeniority - 35) * 0.5
// 替代率天花板
incomeReplacementMaxRatio = 60 + (futureSeniority - 35) * 0.5
}
/**
* 再計算月退休金
Expand All @@ -475,21 +532,26 @@ function calculateCivilServantPension() {
retirement.value.pension.lumpSum = Math.floor(lumpSum)
monthlyAnnuity = 0
retirement.value.pension.monthlyAnnuity = monthlyAnnuity
retirement.value.pension.incomeReplacementMaxRatio = 0
getLifeRemains()
break;
}
case 'annuity': {
retirement.value.pension.lumpSum = 0
// monthlyAnnuity = Math.min(incomeReplacementMaxRatio, monthlyAnnuity)
monthlyAnnuity = Math.min(incomeReplacementMaxRatio, monthlyAnnuity)
monthlyAnnuity *= baseSalary / 100
retirement.value.pension.monthlyAnnuity = Math.floor(monthlyAnnuity)
retirement.value.pension.incomeReplacementMaxRatio = incomeReplacementMaxRatio
break;
}
case 'halfAndHalf': {
incomeReplacementMaxRatio /= 2
// monthlyAnnuity = Math.min(incomeReplacementMaxRatio, monthlyAnnuity)
monthlyAnnuity = Math.min(incomeReplacementMaxRatio, monthlyAnnuity)
monthlyAnnuity *= baseSalary / 100
retirement.value.pension.lumpSum = Math.floor(lumpSum / 2)
retirement.value.pension.monthlyAnnuity = Math.floor(monthlyAnnuity)
retirement.value.pension.incomeReplacementMaxRatio = incomeReplacementMaxRatio
getLifeRemains()
break;
}
}
Expand All @@ -498,6 +560,22 @@ function calculateCivilServantPension() {
// const pvModifier = Math.pow(inflationRate, age - 60)
// retirement.value.annuitySum = Math.floor(monthlyAnnuity * 12 * Number(lifeExpectancy) / pvModifier)
}
async function getLifeRemains() {
const { gender } = props.profile
const { age: retireAge, yearOfRetire } = retirement.value
const { VITE_BASE_URL } = import.meta.env
const res = await fetch(`${VITE_BASE_URL}/calculate/lifeExpectancy`, {
method: 'post',
body: JSON.stringify({
ceYear: yearOfRetire,
age: retireAge,
gender,
}),
headers: { 'Content-Type': 'application/json' }
})
const lifeExpectancy = await res.json()
}
function resetData() {
// 避免資料干擾
retirement.value.insurance.annuity = 0
Expand All @@ -512,17 +590,29 @@ function calculateExpenseQuartileMarks() {
expenseQuartileMarks[percentileRank] = Number(Math.floor(retirementMonthlyExpense)).toLocaleString()
})
}
function calculateRetireLife() {
const { age: currentAge, lifeExpectancy } = props.profile
async function calculateRetireLife() {
const { age: currentAge, gender } = props.profile
const { age: retireAge } = retirement.value
const { currentYear } = props.config
if (currentAge && lifeExpectancy && retireAge) {
retirement.value.yearsToRetirement = retireAge - currentAge
retirement.value.yearOfRetire = currentYear + retirement.value.yearsToRetirement
const rawNumber = lifeExpectancy - retirement.value.yearsToRetirement
const maxZero = Math.max(0, rawNumber)
retirement.value.lifeExpectancy = Number(Number(maxZero).toFixed(2))
if (!currentAge || !retireAge) {
return
}
const yearsToRetirement = retireAge - currentAge
retirement.value.yearsToRetirement = yearsToRetirement
const yearOfRetire = currentYear + yearsToRetirement
retirement.value.yearOfRetire = yearOfRetire
const { VITE_BASE_URL } = import.meta.env
const res = await fetch(`${VITE_BASE_URL}/calculate/lifeExpectancy`, {
method: 'post',
body: JSON.stringify({
ceYear: yearOfRetire,
age: retireAge,
gender,
}),
headers: { 'Content-Type': 'application/json' }
})
const lifeExpectancy = await res.json()
retirement.value.lifeExpectancy = lifeExpectancy
}
function calculateFutureSeniority() { // 退休時年資
const { presentSeniority } = retirement.value.insurance
Expand Down

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