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pensionLumpSumData
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@Chuiantw1212
Chuiantw1212 committed May 9, 2024
1 parent 68d1e07 commit de9f2f2
Showing 1 changed file with 64 additions and 47 deletions.
111 changes: 64 additions & 47 deletions components/calculator/retirement.vue
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Original file line number Diff line number Diff line change
Expand Up @@ -99,33 +99,35 @@
</el-form-item>
</el-col>
</el-row>
<el-row>
<el-col :span="12">
<el-form-item label="強制提繳收益">
<el-input-number v-model="retirement.pension.employerContributionIncome" :min="0"
@change="calculateRetirement($event)" />
</el-form-item>
</el-col>
<el-col :span="12">
<el-form-item label="個人提繳收益">
<el-input-number v-model="retirement.pension.employeeContrubutionIncome" :min="0"
@change="calculateRetirement($event)" />
</el-form-item>
</el-col>
</el-row>
<el-row>
<el-col :span="12">
<el-form-item label="勞退十年收益率">
<el-input-number v-model="retirement.pension.irrOverDecade" :min="0"
@change="calculateRetirement($event)" />
</el-form-item>
</el-col>
<el-col :span="12">
<el-form-item label="預估一次退總額">
<el-text>{{ Number(retirement.pension.lumpSum).toLocaleString() }}</el-text>
</el-form-item>
</el-col>
</el-row>
<template v-if="['employee', 'entrepreneur'].includes(profile.careerInsuranceType)">
<el-row>
<el-col :span="12">
<el-form-item label="強制提繳收益">
<el-input-number v-model="retirement.pension.employerContributionIncome" :min="0"
@change="calculateRetirement($event)" />
</el-form-item>
</el-col>
<el-col :span="12">
<el-form-item label="個人提繳收益">
<el-input-number v-model="retirement.pension.employeeContrubutionIncome" :min="0"
@change="calculateRetirement($event)" />
</el-form-item>
</el-col>
</el-row>
<el-row>
<el-col :span="12">
<el-form-item label="勞退十年收益率">
<el-input-number v-model="retirement.pension.irrOverDecade" :min="0"
@change="calculateRetirement($event)" />
</el-form-item>
</el-col>
<el-col :span="12">
<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>
</template>
<el-row>
<el-col :span="12">
</el-col>
Expand Down Expand Up @@ -459,7 +461,8 @@ async function drawRetirementAssetChart(propagate = false) {
employeeContrubution,
employerContributionIncome,
employeeContrubutionIncome,
irrOverDecade
irrOverDecade,
lumpSum,
} = retirement.value.pension
const { monthlyContribution } = props.career.pension
const {
Expand All @@ -473,36 +476,43 @@ async function drawRetirementAssetChart(propagate = false) {
const inflationRate = 1 + props.config.inflationRate / 100
let inflationModifier = 1
let pv = employerContribution + employeeContrubution + employerContributionIncome + employeeContrubutionIncome
let pv = 0
const n = yearToRetirement
const pensionContribution = monthlyContribution * 12
const pensionIrr = 1 + (irrOverDecade / 100)
let fv = 0 // fv = pv * n + pmt
const labels: number[] = []
const pensionData: number[][] = []
const pensionLumpSumData: number[][] = []
const annualAnnuityData: number[][] = []
const retirementAnnualExpenseData: number[][] = []
// 退休前資產累積
for (let i = 0; i < n; i++) {
const calculatedYear = props.config.currentYear + i
labels.push(calculatedYear)
annualAnnuityData.push([0, 0])
retirementAnnualExpenseData.push([0, 0])
const pmt = pensionContribution * inflationModifier
fv = Math.floor(pv * pensionIrr + pmt)
pensionData.push([0, Math.floor(fv)])
pv = fv
inflationModifier *= inflationRate
}
const { careerInsuranceType } = props.profile
if (['employee', 'entrepreneur'].includes(careerInsuranceType)) {
pv = employerContribution + employeeContrubution + employerContributionIncome + employeeContrubutionIncome
// 退休前資產累積
for (let i = 0; i < n; i++) {
const calculatedYear = props.config.currentYear + i
labels.push(calculatedYear)
annualAnnuityData.push([0, 0])
retirementAnnualExpenseData.push([0, 0])
const pmt = pensionContribution * inflationModifier
fv = Math.floor(pv * pensionIrr + pmt)
pensionLumpSumData.push([0, Math.floor(fv)])
pv = fv
inflationModifier *= inflationRate
}
calculateLaborPensionLumpSum(fv)
}
if (['civilServant',].includes(careerInsuranceType)) {
pv = lumpSum
}
console.log({
careerInsuranceType,
pv
})
// 退休後退休支出
let insuranceAnnuityInflationModifier = 1
Expand All @@ -515,10 +525,17 @@ async function drawRetirementAssetChart(propagate = false) {
const inflatedAnnualExpense = Math.floor(annualExpense * inflationModifier)
retirementAnnualExpenseData.push([0, -inflatedAnnualExpense])
const pmt = annutalAnnuity - inflatedAnnualExpense
console.log({
annutalAnnuity,
inflatedAnnualExpense
})
fv = Math.floor(pv * pensionIrr + pmt)
fv = Math.max(0, fv)
pensionData.push([0, Math.floor(fv)])
pensionLumpSumData.push([0, Math.floor(fv)])
console.log({
fv
})
const calculatedYear = props.config.currentYear + n + i
labels.push(calculatedYear)
pv = fv
Expand All @@ -529,7 +546,7 @@ async function drawRetirementAssetChart(propagate = false) {
datasets: [
{
label: '勞退一次領+投資',
data: pensionData,
data: pensionLumpSumData,
fill: true,
tension,
},
Expand Down

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