Initial commit: FPT Financial Planning Tool

2026-07-08 19:19:39 +02:00
commit 4f990c9686
60 changed files with 12436 additions and 0 deletions
@@ -0,0 +1,245 @@
+-- CreateSchema
+CREATE SCHEMA IF NOT EXISTS "public";
+
+-- CreateEnum
+CREATE TYPE "HouseholdType" AS ENUM ('SINGLE', 'COUPLE');
+
+-- CreateEnum
+CREATE TYPE "PersonRole" AS ENUM ('PERSON_A', 'PERSON_B');
+
+-- CreateEnum
+CREATE TYPE "IncomeMode" AS ENUM ('PER_PERSON', 'HOUSEHOLD');
+
+-- CreateEnum
+CREATE TYPE "OwnerTag" AS ENUM ('PERSON_A', 'PERSON_B', 'HOUSEHOLD');
+
+-- CreateEnum
+CREATE TYPE "OneTimeEventType" AS ENUM ('INCOME', 'EXPENSE');
+
+-- CreateEnum
+CREATE TYPE "TransitionDecision" AS ENUM ('CARRY_OVER', 'SELL');
+
+-- CreateEnum
+CREATE TYPE "PositionType" AS ENUM ('SECURITY', 'REAL_ESTATE');
+
+-- CreateTable
+CREATE TABLE "AppCredential" (
+    "id" TEXT NOT NULL,
+    "passwordHash" TEXT NOT NULL,
+    "createdAt" TIMESTAMP(3) NOT NULL DEFAULT CURRENT_TIMESTAMP,
+
+    CONSTRAINT "AppCredential_pkey" PRIMARY KEY ("id")
+);
+
+-- CreateTable
+CREATE TABLE "Household" (
+    "id" TEXT NOT NULL,
+    "householdType" "HouseholdType" NOT NULL,
+    "inflationRateDefault" DOUBLE PRECISION NOT NULL,
+    "createdAt" TIMESTAMP(3) NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    "updatedAt" TIMESTAMP(3) NOT NULL,
+
+    CONSTRAINT "Household_pkey" PRIMARY KEY ("id")
+);
+
+-- CreateTable
+CREATE TABLE "Person" (
+    "id" TEXT NOT NULL,
+    "householdId" TEXT NOT NULL,
+    "role" "PersonRole" NOT NULL,
+    "age" INTEGER NOT NULL,
+    "retirementAge" INTEGER NOT NULL,
+
+    CONSTRAINT "Person_pkey" PRIMARY KEY ("id")
+);
+
+-- CreateTable
+CREATE TABLE "Plan" (
+    "id" TEXT NOT NULL,
+    "householdId" TEXT NOT NULL,
+    "name" TEXT NOT NULL,
+    "parentPlanId" TEXT,
+    "branchFromPhaseId" TEXT,
+    "createdAt" TIMESTAMP(3) NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    "updatedAt" TIMESTAMP(3) NOT NULL,
+
+    CONSTRAINT "Plan_pkey" PRIMARY KEY ("id")
+);
+
+-- CreateTable
+CREATE TABLE "Phase" (
+    "id" TEXT NOT NULL,
+    "planId" TEXT NOT NULL,
+    "sequenceNumber" INTEGER NOT NULL,
+    "name" TEXT NOT NULL,
+    "durationYears" INTEGER NOT NULL,
+    "inflationRate" DOUBLE PRECISION,
+    "incomeMode" "IncomeMode" NOT NULL DEFAULT 'HOUSEHOLD',
+    "createdAt" TIMESTAMP(3) NOT NULL DEFAULT CURRENT_TIMESTAMP,
+    "updatedAt" TIMESTAMP(3) NOT NULL,
+
+    CONSTRAINT "Phase_pkey" PRIMARY KEY ("id")
+);
+
+-- CreateTable
+CREATE TABLE "IncomeEntry" (
+    "id" TEXT NOT NULL,
+    "phaseId" TEXT NOT NULL,
+    "personId" TEXT,
+    "label" TEXT,
+    "amount" DOUBLE PRECISION NOT NULL,
+
+    CONSTRAINT "IncomeEntry_pkey" PRIMARY KEY ("id")
+);
+
+-- CreateTable
+CREATE TABLE "ExpenseEntry" (
+    "id" TEXT NOT NULL,
+    "phaseId" TEXT NOT NULL,
+    "label" TEXT,
+    "amount" DOUBLE PRECISION NOT NULL,
+
+    CONSTRAINT "ExpenseEntry_pkey" PRIMARY KEY ("id")
+);
+
+-- CreateTable
+CREATE TABLE "Security" (
+    "id" TEXT NOT NULL,
+    "phaseId" TEXT NOT NULL,
+    "name" TEXT NOT NULL,
+    "startValue" DOUBLE PRECISION NOT NULL,
+    "expectedReturn" DOUBLE PRECISION NOT NULL,
+    "annualContribution" DOUBLE PRECISION NOT NULL DEFAULT 0,
+    "ownerTag" "OwnerTag" NOT NULL DEFAULT 'HOUSEHOLD',
+    "saleTaxRate" DOUBLE PRECISION NOT NULL DEFAULT 0,
+
+    CONSTRAINT "Security_pkey" PRIMARY KEY ("id")
+);
+
+-- CreateTable
+CREATE TABLE "RealEstate" (
+    "id" TEXT NOT NULL,
+    "phaseId" TEXT NOT NULL,
+    "name" TEXT NOT NULL,
+    "marketValue" DOUBLE PRECISION NOT NULL,
+    "mortgage" DOUBLE PRECISION NOT NULL,
+    "valueGrowth" DOUBLE PRECISION NOT NULL,
+    "amortization" DOUBLE PRECISION NOT NULL,
+    "salePrice" DOUBLE PRECISION,
+    "saleTaxRate" DOUBLE PRECISION NOT NULL DEFAULT 20,
+
+    CONSTRAINT "RealEstate_pkey" PRIMARY KEY ("id")
+);
+
+-- CreateTable
+CREATE TABLE "OneTimeEvent" (
+    "id" TEXT NOT NULL,
+    "phaseId" TEXT NOT NULL,
+    "type" "OneTimeEventType" NOT NULL,
+    "amount" DOUBLE PRECISION NOT NULL,
+    "description" TEXT,
+
+    CONSTRAINT "OneTimeEvent_pkey" PRIMARY KEY ("id")
+);
+
+-- CreateTable
+CREATE TABLE "RetirementInfo" (
+    "id" TEXT NOT NULL,
+    "phaseId" TEXT NOT NULL,
+    "personId" TEXT NOT NULL,
+    "ahvAmount" DOUBLE PRECISION NOT NULL DEFAULT 0,
+    "pkPensionAmount" DOUBLE PRECISION NOT NULL DEFAULT 0,
+    "lumpSumAmount" DOUBLE PRECISION NOT NULL DEFAULT 0,
+    "lumpSumTaxRate" DOUBLE PRECISION NOT NULL DEFAULT 8,
+
+    CONSTRAINT "RetirementInfo_pkey" PRIMARY KEY ("id")
+);
+
+-- CreateTable
+CREATE TABLE "PhaseTransition" (
+    "id" TEXT NOT NULL,
+    "fromPhaseId" TEXT NOT NULL,
+    "toPhaseId" TEXT NOT NULL,
+
+    CONSTRAINT "PhaseTransition_pkey" PRIMARY KEY ("id")
+);
+
+-- CreateTable
+CREATE TABLE "PhaseTransitionItem" (
+    "id" TEXT NOT NULL,
+    "transitionId" TEXT NOT NULL,
+    "positionType" "PositionType" NOT NULL,
+    "securityId" TEXT,
+    "realEstateId" TEXT,
+    "decision" "TransitionDecision" NOT NULL,
+    "salePrice" DOUBLE PRECISION,
+
+    CONSTRAINT "PhaseTransitionItem_pkey" PRIMARY KEY ("id")
+);
+
+-- CreateIndex
+CREATE UNIQUE INDEX "Person_householdId_role_key" ON "Person"("householdId", "role");
+
+-- CreateIndex
+CREATE UNIQUE INDEX "Phase_planId_sequenceNumber_key" ON "Phase"("planId", "sequenceNumber");
+
+-- CreateIndex
+CREATE UNIQUE INDEX "RetirementInfo_phaseId_personId_key" ON "RetirementInfo"("phaseId", "personId");
+
+-- CreateIndex
+CREATE UNIQUE INDEX "PhaseTransition_fromPhaseId_key" ON "PhaseTransition"("fromPhaseId");
+
+-- CreateIndex
+CREATE UNIQUE INDEX "PhaseTransition_toPhaseId_key" ON "PhaseTransition"("toPhaseId");
+
+-- AddForeignKey
+ALTER TABLE "Person" ADD CONSTRAINT "Person_householdId_fkey" FOREIGN KEY ("householdId") REFERENCES "Household"("id") ON DELETE CASCADE ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "Plan" ADD CONSTRAINT "Plan_householdId_fkey" FOREIGN KEY ("householdId") REFERENCES "Household"("id") ON DELETE CASCADE ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "Plan" ADD CONSTRAINT "Plan_parentPlanId_fkey" FOREIGN KEY ("parentPlanId") REFERENCES "Plan"("id") ON DELETE SET NULL ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "Phase" ADD CONSTRAINT "Phase_planId_fkey" FOREIGN KEY ("planId") REFERENCES "Plan"("id") ON DELETE CASCADE ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "IncomeEntry" ADD CONSTRAINT "IncomeEntry_phaseId_fkey" FOREIGN KEY ("phaseId") REFERENCES "Phase"("id") ON DELETE CASCADE ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "IncomeEntry" ADD CONSTRAINT "IncomeEntry_personId_fkey" FOREIGN KEY ("personId") REFERENCES "Person"("id") ON DELETE SET NULL ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "ExpenseEntry" ADD CONSTRAINT "ExpenseEntry_phaseId_fkey" FOREIGN KEY ("phaseId") REFERENCES "Phase"("id") ON DELETE CASCADE ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "Security" ADD CONSTRAINT "Security_phaseId_fkey" FOREIGN KEY ("phaseId") REFERENCES "Phase"("id") ON DELETE CASCADE ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "RealEstate" ADD CONSTRAINT "RealEstate_phaseId_fkey" FOREIGN KEY ("phaseId") REFERENCES "Phase"("id") ON DELETE CASCADE ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "OneTimeEvent" ADD CONSTRAINT "OneTimeEvent_phaseId_fkey" FOREIGN KEY ("phaseId") REFERENCES "Phase"("id") ON DELETE CASCADE ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "RetirementInfo" ADD CONSTRAINT "RetirementInfo_phaseId_fkey" FOREIGN KEY ("phaseId") REFERENCES "Phase"("id") ON DELETE CASCADE ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "RetirementInfo" ADD CONSTRAINT "RetirementInfo_personId_fkey" FOREIGN KEY ("personId") REFERENCES "Person"("id") ON DELETE CASCADE ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "PhaseTransition" ADD CONSTRAINT "PhaseTransition_fromPhaseId_fkey" FOREIGN KEY ("fromPhaseId") REFERENCES "Phase"("id") ON DELETE CASCADE ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "PhaseTransition" ADD CONSTRAINT "PhaseTransition_toPhaseId_fkey" FOREIGN KEY ("toPhaseId") REFERENCES "Phase"("id") ON DELETE CASCADE ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "PhaseTransitionItem" ADD CONSTRAINT "PhaseTransitionItem_transitionId_fkey" FOREIGN KEY ("transitionId") REFERENCES "PhaseTransition"("id") ON DELETE CASCADE ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "PhaseTransitionItem" ADD CONSTRAINT "PhaseTransitionItem_securityId_fkey" FOREIGN KEY ("securityId") REFERENCES "Security"("id") ON DELETE CASCADE ON UPDATE CASCADE;
+
+-- AddForeignKey
+ALTER TABLE "PhaseTransitionItem" ADD CONSTRAINT "PhaseTransitionItem_realEstateId_fkey" FOREIGN KEY ("realEstateId") REFERENCES "RealEstate"("id") ON DELETE CASCADE ON UPDATE CASCADE;
+
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+# Please do not edit this file manually
+# It should be added in your version-control system (e.g., Git)
+provider = "postgresql"
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+// FPT (Financial Planning Tool) — Datenmodell gemaess FDD/TDD Kapitel 2.
+// Get a free hosted Postgres database in seconds: `npx create-db`
+
+generator client {
+  provider = "prisma-client"
+  output   = "../src/generated/prisma"
+}
+
+datasource db {
+  provider = "postgresql"
+}
+
+// Zugriffsschutz der Webapplikation: kein vorkonfiguriertes Passwort -- der
+// Benutzer legt es beim allerersten Login selbst fest (genau eine Zeile).
+model AppCredential {
+  id           String   @id @default(cuid())
+  passwordHash String
+  createdAt    DateTime @default(now())
+}
+
+enum HouseholdType {
+  SINGLE
+  COUPLE
+}
+
+enum PersonRole {
+  PERSON_A
+  PERSON_B
+}
+
+enum IncomeMode {
+  PER_PERSON
+  HOUSEHOLD
+}
+
+enum OwnerTag {
+  PERSON_A
+  PERSON_B
+  HOUSEHOLD
+}
+
+enum OneTimeEventType {
+  INCOME
+  EXPENSE
+}
+
+enum TransitionDecision {
+  CARRY_OVER
+  SELL
+}
+
+enum PositionType {
+  SECURITY
+  REAL_ESTATE
+}
+
+// Ein Haushalt (1 oder 2 Personen) - Wurzel-Objekt
+model Household {
+  id                   String        @id @default(cuid())
+  householdType        HouseholdType
+  inflationRateDefault Float
+  createdAt            DateTime      @default(now())
+  updatedAt            DateTime      @updatedAt
+
+  persons Person[]
+  plans   Plan[]
+}
+
+// Einzelperson im Haushalt (Alter, geplantes Pensionsalter)
+model Person {
+  id            String     @id @default(cuid())
+  householdId   String
+  household     Household  @relation(fields: [householdId], references: [id], onDelete: Cascade)
+  role          PersonRole
+  age           Int
+  retirementAge Int
+
+  incomeEntries   IncomeEntry[]
+  retirementInfos RetirementInfo[]
+
+  @@unique([householdId, role])
+}
+
+// Eine vollstaendige Phasenkette; kann Szenario eines anderen Plans sein
+model Plan {
+  id          String    @id @default(cuid())
+  householdId String
+  household   Household @relation(fields: [householdId], references: [id], onDelete: Cascade)
+  name        String
+
+  // Szenario-Verzweigung: ein Szenario ist ein eigener Plan mit Verweis auf den Ursprungsplan
+  // und die Phase, ab der die Ketten divergieren (branchFromPhaseId zeigt auf eine Phase
+  // dieses neuen Plans, welche die per Deep-Copy duplizierte letzte gemeinsame Phase ist).
+  parentPlanId      String?
+  parentPlan        Plan?   @relation("PlanScenarios", fields: [parentPlanId], references: [id], onDelete: SetNull)
+  scenarios         Plan[]  @relation("PlanScenarios")
+  branchFromPhaseId String?
+
+  createdAt DateTime @default(now())
+  updatedAt DateTime @updatedAt
+
+  phases Phase[]
+}
+
+// Ein Lebensabschnitt innerhalb eines Plans
+model Phase {
+  id             String     @id @default(cuid())
+  planId         String
+  plan           Plan       @relation(fields: [planId], references: [id], onDelete: Cascade)
+  sequenceNumber Int
+  name           String
+  durationYears  Int
+  inflationRate  Float?
+  incomeMode     IncomeMode @default(HOUSEHOLD)
+
+  incomeEntries   IncomeEntry[]
+  expenseEntries  ExpenseEntry[]
+  securities      Security[]
+  realEstates     RealEstate[]
+  oneTimeEvents   OneTimeEvent[]
+  retirementInfos RetirementInfo[]
+
+  // Uebergang IN diese Phase (diese Phase ist Ziel) bzw. AUS dieser Phase (diese Phase ist Quelle)
+  transitionIn  PhaseTransition? @relation("TransitionTarget")
+  transitionOut PhaseTransition? @relation("TransitionSource")
+
+  createdAt DateTime @default(now())
+  updatedAt DateTime @updatedAt
+
+  @@unique([planId, sequenceNumber])
+}
+
+// Einkommensposten einer Phase (pro Person oder gemeinsam, je nach Phase.incomeMode)
+model IncomeEntry {
+  id       String  @id @default(cuid())
+  phaseId  String
+  phase    Phase   @relation(fields: [phaseId], references: [id], onDelete: Cascade)
+  personId String?
+  person   Person? @relation(fields: [personId], references: [id], onDelete: SetNull)
+  label    String?
+  amount   Float
+}
+
+// Ausgabenposten einer Phase (immer Haushaltsebene, generischer Gesamtbetrag)
+model ExpenseEntry {
+  id      String  @id @default(cuid())
+  phaseId String
+  phase   Phase   @relation(fields: [phaseId], references: [id], onDelete: Cascade)
+  label   String?
+  amount  Float
+}
+
+// Eine Wertschrift innerhalb einer Phase (inkl. jaehrlichem Sparbeitrag)
+model Security {
+  id                 String   @id @default(cuid())
+  phaseId            String
+  phase              Phase    @relation(fields: [phaseId], references: [id], onDelete: Cascade)
+  name               String
+  startValue         Float
+  expectedReturn     Float
+  annualContribution Float    @default(0)
+  ownerTag           OwnerTag @default(HOUSEHOLD)
+  // Steuersatz auf Verkaufsgewinn bei Uebernahme in PhaseTransitionItem (Default 0%, siehe Kap. 9)
+  saleTaxRate        Float    @default(0)
+
+  transitionItems PhaseTransitionItem[]
+}
+
+// Eine Immobilie innerhalb einer Phase
+model RealEstate {
+  id           String @id @default(cuid())
+  phaseId      String
+  phase        Phase  @relation(fields: [phaseId], references: [id], onDelete: Cascade)
+  name         String
+  marketValue  Float
+  mortgage     Float
+  valueGrowth  Float
+  amortization Float
+  salePrice    Float?
+  // Geschaetzte Grundstueckgewinnsteuer (%), direkt am ausloesenden Ereignis erfasst (Kap. 9)
+  saleTaxRate  Float  @default(20)
+
+  transitionItems PhaseTransitionItem[]
+}
+
+// Einmalige Sondereinnahme/-ausgabe
+model OneTimeEvent {
+  id          String           @id @default(cuid())
+  phaseId     String
+  phase       Phase            @relation(fields: [phaseId], references: [id], onDelete: Cascade)
+  type        OneTimeEventType
+  amount      Float
+  description String?
+}
+
+// Renten-/Kapitalbezugsangaben (nur in Pensionierungsphasen), pro Person
+model RetirementInfo {
+  id              String @id @default(cuid())
+  phaseId         String
+  phase           Phase  @relation(fields: [phaseId], references: [id], onDelete: Cascade)
+  personId        String
+  person          Person @relation(fields: [personId], references: [id], onDelete: Cascade)
+  ahvAmount       Float  @default(0)
+  pkPensionAmount Float  @default(0)
+  lumpSumAmount   Float  @default(0)
+  // Geschaetzte Kapitalbezugssteuer (%), direkt am auslösenden Ereignis erfasst (Kap. 9)
+  lumpSumTaxRate  Float  @default(8)
+
+  @@unique([phaseId, personId])
+}
+
+// Entscheidungen beim Uebergang zweier Phasen (uebernehmen/verkaufen je Position)
+model PhaseTransition {
+  id          String @id @default(cuid())
+  fromPhaseId String @unique
+  fromPhase   Phase  @relation("TransitionSource", fields: [fromPhaseId], references: [id], onDelete: Cascade)
+  toPhaseId   String @unique
+  toPhase     Phase  @relation("TransitionTarget", fields: [toPhaseId], references: [id], onDelete: Cascade)
+
+  items PhaseTransitionItem[]
+}
+
+// Einzelentscheidung fuer eine Position (Wertschrift oder Immobilie) beim Phasenuebergang
+model PhaseTransitionItem {
+  id           String             @id @default(cuid())
+  transitionId String
+  transition   PhaseTransition    @relation(fields: [transitionId], references: [id], onDelete: Cascade)
+  positionType PositionType
+  securityId   String?
+  security     Security?          @relation(fields: [securityId], references: [id], onDelete: Cascade)
+  realEstateId String?
+  realEstate   RealEstate?        @relation(fields: [realEstateId], references: [id], onDelete: Cascade)
+  decision     TransitionDecision
+  salePrice    Float?
+}