public PersonReport(IPensionAgeCalc pensionAgeCalc, IIncomeTaxCalculator incomeTaxCalculator, Person person, DateTime now, DateTime?givenRetirementDate, IAssumptions assumptions,
decimal monthlySpending, ITaxSystem taxSystem)
{
Person = person;
StatePensionDate = pensionAgeCalc.StatePensionDate(person.Dob, person.Sex);
PrivatePensionDate = pensionAgeCalc.PrivatePensionDate(StatePensionDate, person.Dob);
TargetRetirementDate = givenRetirementDate;
var salaryAfterDeductions = person.EmployeeContribution.SubtractContribution(person.Salary);
var taxResult = incomeTaxCalculator.TaxFor(salaryAfterDeductions);
var taxResultWithRental = incomeTaxCalculator.TaxFor(salaryAfterDeductions, rentalIncome: person.RentalPortfolio.RentalIncome());
NationalInsuranceBill = Convert.ToInt32(taxResult.NationalInsurance);
IncomeTaxBill = Convert.ToInt32(taxResult.IncomeTax);
RentalTaxBill = Convert.ToInt32(taxResultWithRental.TotalTaxFor(IncomeType.RentalIncome));
TakeHomeSalary = Convert.ToInt32(taxResult.AfterTaxIncome);
TakeHomeRentalIncome = Convert.ToInt32(person.RentalPortfolio.TotalNetIncome() - RentalTaxBill);
SalarySteps = SetupSalarySteps(person, now).ToList();
var niContributingYearsSoFar = NiContributingYearsCalc.CalculateContributingYearsSoFar(person, MonthlySalaryAfterDeductionsAt(now), now, taxSystem);
var mode = givenRetirementDate.HasValue ? StepType.GivenDate : StepType.CalcMinimum;
StepReport = new StepsReport(person, niContributingYearsSoFar, mode, now, assumptions, monthlySpending, PrivatePensionDate, taxSystem);
_take25 = assumptions.Take25;
}
public RetirementIncrementalApproachCalculator(IDateProvider dateProvider,
IAssumptions assumptions, IPensionAgeCalc pensionAgeCalc,
IStatePensionAmountCalculator statePensionAmountCalculator, ITaxSystem taxSystem)
{
_assumptions = assumptions;
_pensionAgeCalc = pensionAgeCalc;
_statePensionAmountCalculator = statePensionAmountCalculator;
_taxSystem = taxSystem;
_now = dateProvider.Now();
}
public StepsReport(Person person, int niContributingYearsSoFar, StepType stepType, DateTime now, IAssumptions assumptions, decimal monthlySpendingNow, DateTime privatePensionDate,
ITaxSystem taxSystem)
{
_person = person;
_stepType = stepType;
_now = now;
_assumptions = assumptions;
_taxSystem = taxSystem;
_privatePensionDate = privatePensionDate;
Steps.Add(Step.CreateInitialStep(now, niContributingYearsSoFar, (int)person.ExistingSavings, (int)person.ExistingPrivatePension, person.EmergencyFundSpec, monthlySpendingNow));
}
public Step(Step previousStep, DateTime stepStepDate, Person person, bool calcdMinimum, IAssumptions assumptions,
DateTime privatePensionDate, decimal spending, ITaxSystem taxSystem, DateTime?givenRetirementDate = null, MoneyPots pots = null)
{
StepDate = stepStepDate;
PrivatePensionAmount = previousStep.PrivatePensionAmount;
Spending = spending;
NiContributingYears = previousStep.NiContributingYears;
_previousStep = previousStep;
_person = person;
_calcdMinimum = calcdMinimum;
_assumptions = assumptions;
_privatePensionDate = privatePensionDate;
_givenRetirementDate = givenRetirementDate;
_taxSystem = taxSystem;
Pots = pots ?? MoneyPots.From(previousStep.Pots, _person.EmergencyFundSpec.RequiredEmergencyFund(Spending));
}
public RetirementReport(IPensionAgeCalc pensionAgeCalc, IIncomeTaxCalculator incomeTaxCalculator, Family family, DateTime now, DateTime?givenRetirementDate, IAssumptions assumptions, ITaxSystem taxSystem)
{
_family = family;
_assumptions = assumptions;
TimeToRetirement = new DateAmount(DateTime.MinValue, DateTime.MinValue);
TargetRetirementDate = givenRetirementDate;
var spendingStepInputs = family.SpendingStepInputs.OrderBy(input => input.Date).ToList();
for (int i = 0; i < spendingStepInputs.Count; i++)
{
var endDate = i < spendingStepInputs.Count - 1 ? spendingStepInputs[i + 1].Date : family.PrimaryPerson.Dob.AddYears(100);
SpendingSteps.Add(new SpendingStepReport(spendingStepInputs[i].Date, endDate.AddDays(-1), spendingStepInputs[i].NewAmount));
}
var monthlySpending = MonthlySpendingAt(now) / family.Persons.Count;
foreach (var person in family.Persons)
{
Persons.Add(new PersonReport(pensionAgeCalc, incomeTaxCalculator, person, now, givenRetirementDate, _assumptions, monthlySpending, taxSystem));
}
}
public static int CalculateContributingYearsSoFar(Person person, Money monthlySalary, DateTime now, ITaxSystem taxSystem)
{
int contributingYearsFromEmployment = 0;
int contributingYearsFromChildren = 0;
if (person.NiContributingYears.HasValue)
{
return(person.NiContributingYears.Value);
}
else
{
if (monthlySalary * 12 <= taxSystem.LowerEarningsLimit)
{
contributingYearsFromEmployment = 0;
}
else
{
contributingYearsFromEmployment = AgeCalc.Age(person.Dob, now) - 21;
}
if (person.Children.Count > 0)
{
var age = EldestChildAge(person, now);
contributingYearsFromChildren = Math.Max(12, age);
}
}
return(Math.Max(contributingYearsFromEmployment, contributingYearsFromChildren));
}