add bankrupt mechanism

Chuiantw1212 · May 10, 2024 · d9a2277 · d9a2277
1 parent 74282aa
commit d9a2277
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Showing 4 changed files with 67 additions and 36 deletions.
diff --git a/components/calculator/asset.vue b/components/calculator/asset.vue
@@ -27,7 +27,7 @@
                     </el-form-item>
                 </el-col>
                 <el-col :span="12">
-                    <el-form-item label="儲蓄投資">
+                    <el-form-item label="定期定額">
                         <el-text>{{ Number(career.monthlySaving).toLocaleString() }} NTD / 月</el-text>
                     </el-form-item>
                 </el-col>
@@ -221,7 +221,7 @@ function drawLifeAssetChart(propagate = true) {
     const spouseAnnualContribution = monthlyContribution * 12
     const irrModifier = 1 + irr / 100
     const inflatoinRatio = 1 + inflationRate / 100
-    let inflationModifier = 1
+    let valueModifier = 1
 
     let pv = presentAsset
     let fv = 0
@@ -235,13 +235,13 @@ function drawLifeAssetChart(propagate = true) {
     const childExpenseData: number[] = []
 
     for (let year = currentYear; year < currentYear + period; year++) {
-        inflationModifier *= inflatoinRatio
+        valueModifier *= inflatoinRatio
         /**
          * 影響存量重大事件
          */
         if (year === downpayYear) {
             const calculatedDownpay = downpayGoal || downpay
-            const inflatedDownpay = calculatedDownpay * inflationModifier
+            const inflatedDownpay = calculatedDownpay * valueModifier
             pv -= inflatedDownpay
             downpayData.push(Math.floor(-inflatedDownpay))
         } else {
@@ -253,7 +253,7 @@ function drawLifeAssetChart(propagate = true) {
         // 執業收支 
         const { monthlySaving } = props.career
         const annualSaving = monthlySaving * 12
-        let calculatedPmt = annualSaving * inflationModifier
+        let calculatedPmt = annualSaving * valueModifier
         investingData.push(calculatedPmt)
 
         // 育兒開支影響每月儲蓄
@@ -264,13 +264,13 @@ function drawLifeAssetChart(propagate = true) {
         const hasSecondBorn = currentYear <= secondBornYear && secondBornYear && secondBornYear <= year && year < secondBornEndYear
         let childExpense = 0
         if (hasFirstBorn) {
-            childExpense += childAnnualExpense * inflationModifier
+            childExpense += childAnnualExpense * valueModifier
         }
         if (hasSecondBorn) {
-            childExpense += childAnnualExpense * inflationModifier
+            childExpense += childAnnualExpense * valueModifier
         }
         if (hasFirstBorn || hasSecondBorn) {
-            const inflatedContribution = Math.floor(spouseAnnualContribution * inflationModifier)
+            const inflatedContribution = Math.floor(spouseAnnualContribution * valueModifier)
             childExpense -= inflatedContribution
             calculatedPmt -= childExpense
             spouseContribution.push(inflatedContribution)
@@ -280,7 +280,7 @@ function drawLifeAssetChart(propagate = true) {
             childExpenseData.push(0)
         }
         // 加計通貨膨脹
-        calculatedPmt *= inflationModifier
+        calculatedPmt *= valueModifier
         /**
          * 不受到通膨影響的PMT
          */
@@ -289,11 +289,11 @@ function drawLifeAssetChart(propagate = true) {
         const mortgageEndYear = downpayYear + loanTerm
         let mortgagePmt = 0
         let inflatedTotalPrice = 0
-        if (mortgageStartYear <= year) {
+        if (mortgageStartYear <= year && fv > 0) {
             if (year < mortgageEndYear) {
                 mortgagePmt = monthlyRepay * 12
             }
-            inflatedTotalPrice = Math.floor(totalPrice * inflationModifier)
+            inflatedTotalPrice = Math.floor(totalPrice * valueModifier)
         }
         estateData.push(inflatedTotalPrice)
         mortgageData.push(Math.floor(-mortgagePmt))
@@ -303,6 +303,11 @@ function drawLifeAssetChart(propagate = true) {
         fv = pv * irrModifier
         datasetData.push(Math.floor(fv))
         fv += calculatedPmt
+        if (fv <= 0) {
+            fv = 0
+            valueModifier = 0
+        }
+
         labels.push(year)
         pv = fv
     }

diff --git a/components/calculator/benchmark.vue b/components/calculator/benchmark.vue
@@ -0,0 +1,26 @@
+<template>
+    <el-card>
+        <template #header>
+            <div class="card-header card-header--custom">
+                <span>非專業建議
+                </span>
+                <div>
+                    <!-- <el-button @click="exportUserForm()">匯出</el-button> -->
+                    <!-- <el-button>但你怎麼知道左邊這顆按鈕不是強制登入？</el-button> -->
+                </div>
+            </div>
+        </template>
+        <el-form label-width="auto">
+            <!-- <ul>
+                <li>
+                    買房的最佳時機：未來六年都會在同一個地點居住。
+                </li>
+            </ul> -->
+            <el-row>
+                <el-col>
+
+                </el-col>
+            </el-row>
+        </el-form>
+    </el-card>
+</template>
diff --git a/components/calculator/dataCenter.vue b/components/calculator/dataCenter.vue
@@ -1,29 +1,27 @@
 <template>
-    <div>
-        <el-card>
-            <template #header>
-                <div class="card-header card-header--custom">
-                    <span>資料中心
-                    </span>
-                    <div>
-                        <el-button @click="exportUserForm()">匯出</el-button>
-                        <!-- <el-button>但你怎麼知道左邊這顆按鈕不是強制登入？</el-button> -->
-                    </div>
+    <el-card>
+        <template #header>
+            <div class="card-header card-header--custom">
+                <span>資料中心
+                </span>
+                <div>
+                    <el-button @click="exportUserForm()">匯出</el-button>
+                    <!-- <el-button>但你怎麼知道左邊這顆按鈕不是強制登入？</el-button> -->
                 </div>
-            </template>
-            <el-form ref="ruleFormRef" label-width="auto">
-                <el-row>
-                    <el-col>
-                        給不敢登入又想保留紀錄的用戶使用。
-                        <ol>
-                            <li>按下匯出，會取得一包"開源財務規劃.json"。</li>
-                            <li>下次使用就可直接匯入</li>
-                        </ol>
-                    </el-col>
-                </el-row>
-            </el-form>
-        </el-card>
-    </div>
+            </div>
+        </template>
+        <el-form ref="ruleFormRef" label-width="auto">
+            <el-row>
+                <el-col>
+                    給不敢登入又想保留紀錄的用戶使用。
+                    <ol>
+                        <li>按下匯出，會取得一包"開源財務規劃.json"。</li>
+                        <li>下次使用就可直接匯入</li>
+                    </ol>
+                </el-col>
+            </el-row>
+        </el-form>
+    </el-card>
 </template>
 <script setup lang="ts">
 const emits = defineEmits(['export'])

diff --git a/components/calculator/index.vue b/components/calculator/index.vue
@@ -83,7 +83,8 @@
 
         <h2 id="_試算結果" tabindex="-1">試算結果<a class="header-anchor" href="#試算結果"
                 aria-label="Permalink to &quot;試算結果&quot;">&ZeroWidthSpace;</a></h2>
-
+        <Bechmark></Bechmark>
+        <br>
         <DataCenter @export="exportUserForm()"></DataCenter>
     </div>
 </template>
@@ -100,6 +101,7 @@ import Spouse from './spouse.vue'
 import Parenting from './parenting.vue'
 import Mortgage from './mortgage.vue'
 import EstateDialogContent from './estateDialog.vue'
+import Bechmark from './benchmark.vue'
 import DataCenter from './dataCenter.vue'
 const { VITE_BASE_URL } = import.meta.env
 const ProfileRef = ref()