Rework core model: financial elements as plan-wide entities across phases; derived phase types (Erwerb/Pension/Misch) with retirement-capped durations and per-plan retirement age; AHV (gap years + couple ceiling), PK payout/annuity, 3a, real estate, other assets/debts; horizontal timeline with retirement markers; phase x element matrix with detail panel; savings/consumption quota + available-capital key figures with red status

2026-07-13 07:55:58 +02:00
parent b3a3b565ac
commit b775ab77cb
27 changed files with 2407 additions and 2166 deletions
@@ -0,0 +1,125 @@
+// Typ- und Validierungs-Layer fuer die finanziellen Elemente. Die kategorie- und
+// kontextspezifischen Felder liegen in der DB als JSON; hier werden sie typisiert und
+// (an der API-Grenze) mit Zod validiert.
+
+import { z } from "zod";
+
+export type ElementCategory =
+  | "INCOME"
+  | "EXPENSE"
+  | "AHV"
+  | "PENSION_FUND"
+  | "PILLAR_3A"
+  | "REAL_ESTATE"
+  | "OTHER_ASSET"
+  | "OTHER_DEBT";
+
+export type OwnerRole = "PERSON_A" | "PERSON_B" | "HOUSEHOLD";
+
+// Kategorien, deren Element zwingend genau einer Person zugeordnet ist.
+export const PERSON_ONLY_CATEGORIES: ElementCategory[] = ["INCOME", "AHV", "PENSION_FUND", "PILLAR_3A"];
+
+// Kategorien, die gemeinsam ODER pro Person erfasst werden koennen.
+export const OWNER_OPTIONAL_CATEGORIES: ElementCategory[] = ["EXPENSE", "REAL_ESTATE", "OTHER_ASSET", "OTHER_DEBT"];
+
+export const CATEGORY_LABELS: Record<ElementCategory, string> = {
+  INCOME: "Einkommen",
+  EXPENSE: "Ausgaben",
+  AHV: "AHV",
+  PENSION_FUND: "Pensionskasse",
+  PILLAR_3A: "Saeule 3a",
+  REAL_ESTATE: "Immobilie",
+  OTHER_ASSET: "Sonstiges Vermoegen",
+  OTHER_DEBT: "Sonstige Schulden",
+};
+
+// Reihenfolge der Kategorien in der Matrix (Gruppierung der Zeilen).
+export const CATEGORY_ORDER: ElementCategory[] = [
+  "INCOME",
+  "EXPENSE",
+  "AHV",
+  "PENSION_FUND",
+  "PILLAR_3A",
+  "REAL_ESTATE",
+  "OTHER_ASSET",
+  "OTHER_DEBT",
+];
+
+// --- Roh-Payloads (JSON in der DB) ---
+// Bewusst tolerant getippt (alle Felder optional): die Berechnung liest defensiv mit
+// Defaults, das UI zeigt je nach Kontext nur die relevanten Felder.
+
+export interface PhaseData {
+  // INCOME / EXPENSE
+  amount?: number;
+  // AHV
+  gapYears?: number;
+  // PENSION_FUND / PILLAR_3A / OTHER_ASSET
+  currentValue?: number;
+  startValue?: number;
+  expectedReturn?: number;
+  annualContribution?: number;
+  // REAL_ESTATE
+  purchasePrice?: number;
+  mortgage?: number;
+  amortization?: number;
+  // OTHER_DEBT
+  annualRepayment?: number;
+}
+
+export type TransitionDecision = "HOLD" | "SELL";
+export type PkPayoutMode = "CAPITAL" | "PENSION" | "COMBI";
+
+export interface TransitionData {
+  // PENSION_FUND / PILLAR_3A (normaler Uebergang)
+  withdrawal?: number;
+  // PENSION_FUND (Pensions-Uebergang)
+  payoutMode?: PkPayoutMode;
+  capitalAmount?: number;
+  conversionRate?: number;
+  // PENSION_FUND (Kapital) / PILLAR_3A (Pensions-Uebergang) / REAL_ESTATE
+  capitalTaxRate?: number;
+  saleTaxRate?: number;
+  // REAL_ESTATE / OTHER_ASSET
+  decision?: TransitionDecision;
+  salePrice?: number;
+  // OTHER_DEBT
+  immediateRepayment?: number;
+}
+
+// --- Zod-Schemas (nachsichtig: unbekannte Felder werden verworfen) ---
+
+const nonNeg = z.number().min(0);
+
+export const phaseDataSchema = z
+  .object({
+    amount: nonNeg.optional(),
+    gapYears: z.number().int().min(0).optional(),
+    currentValue: nonNeg.optional(),
+    startValue: nonNeg.optional(),
+    expectedReturn: z.number().min(-50).max(100).optional(),
+    annualContribution: nonNeg.optional(),
+    purchasePrice: nonNeg.optional(),
+    mortgage: nonNeg.optional(),
+    amortization: nonNeg.optional(),
+    annualRepayment: nonNeg.optional(),
+  })
+  .strip();
+
+export const transitionDataSchema = z
+  .object({
+    withdrawal: nonNeg.optional(),
+    payoutMode: z.enum(["CAPITAL", "PENSION", "COMBI"]).optional(),
+    capitalAmount: nonNeg.optional(),
+    conversionRate: z.number().min(0).max(20).optional(),
+    capitalTaxRate: z.number().min(0).max(100).optional(),
+    saleTaxRate: z.number().min(0).max(100).optional(),
+    decision: z.enum(["HOLD", "SELL"]).optional(),
+    salePrice: nonNeg.optional(),
+    immediateRepayment: nonNeg.optional(),
+  })
+  .strip();
+
+export function num(value: number | undefined | null, fallback = 0): number {
+  return typeof value === "number" && Number.isFinite(value) ? value : fallback;
+}