/// <summary>
/// Calculates Total Allowances
/// </summary>
/// <param name="role">Subject's role within the calculation</param>
/// <param name="maritalStatus">Marital status</param>
/// <param name="stateOfResidency">State of residency</param>
/// <param name="numInCollege">Number in college</param>
/// <param name="numInHousehold">Number in household</param>
/// <param name="employablePersons">People capable of employment. Exact definition varies depending on
/// role. If the role is "Parent", for example, <see cref="employablePersons"/> refers to the parents.
/// If the role is "IndependentStudent", <see cref="employablePersons"/> refers to the student and
/// spouse</param>
/// <param name="totalIncome">Total income</param>
/// <param name="incomeTaxPaid">U.S. income tax paid</param>
/// <returns>"Total Allowances"</returns>
public double CalculateTotalAllowances(
EfcCalculationRole role,
MaritalStatus maritalStatus,
UnitedStatesStateOrTerritory stateOfResidency,
int numInCollege,
int numInHousehold,
List <HouseholdMember> employablePersons,
double totalIncome,
double incomeTaxPaid)
{
double totalAllowances = 0;
// Income Tax Paid
totalAllowances += CalculateIncomeTaxAllowance(incomeTaxPaid);
// State Tax
totalAllowances += CalculateStateTaxAllowance(role, stateOfResidency, totalIncome);
// Social Security Tax
totalAllowances += employablePersons
.Where(person => person.IsWorking)
.Sum(person => CalculateSocialSecurityTaxAllowance(person.WorkIncome));
// Employment Expense Allowance
if (role != EfcCalculationRole.DependentStudent)
{
totalAllowances += CalculateEmploymentExpenseAllowance(role, maritalStatus, employablePersons);
}
// Income Protection Allowance
totalAllowances += CalculateIncomeProtectionAllowance(role, maritalStatus, numInCollege, numInHousehold);
return(Math.Round(totalAllowances < 0 ? 0 : totalAllowances, MidpointRounding.AwayFromZero));
}
/// <summary>
/// Calculates State and Other Tax allowance
/// </summary>
/// <param name="role">Subject's role within the calculation</param>
/// <param name="stateOfResidency">State of residency</param>
/// <param name="totalIncome">Total income</param>
/// <returns>State and Other Tax allowance</returns>
public double CalculateStateTaxAllowance(
EfcCalculationRole role,
UnitedStatesStateOrTerritory stateOfResidency,
double totalIncome)
{
double stateTaxAllowance = 0;
switch (role)
{
// For Parents and Independent Students With Dependents, use the "Parent" State Tax Allowance chart
case EfcCalculationRole.Parent:
case EfcCalculationRole.IndependentStudentWithDependents:
if (totalIncome < _constants.StateTaxAllowanceIncomeThreshold)
{
stateTaxAllowance =
(_constants.ParentStateTaxAllowancePercents[(int)stateOfResidency] * 0.01) * totalIncome;
}
else
{
stateTaxAllowance =
((_constants.ParentStateTaxAllowancePercents[(int)stateOfResidency] - 1) * 0.01)
* totalIncome;
}
break;
// For Dependent Students and Independent Students Without Dependents, use the "Student" State Tax Allowance chart
case EfcCalculationRole.DependentStudent:
case EfcCalculationRole.IndependentStudentWithoutDependents:
stateTaxAllowance =
(_constants.StudentStateTaxAllowancePercents[(int)stateOfResidency] * 0.01) * totalIncome;
break;
}
return(Math.Round(stateTaxAllowance < 0 ? 0 : stateTaxAllowance, MidpointRounding.AwayFromZero));
}
/// <summary>
/// Calculates "Employmement Expense Allowance"
/// </summary>
/// <param name="role">Subject's role within the calculation</param>
/// <param name="maritalStatus">Marital status</param>
/// <param name="employablePersons">People capable of employment. Exact definition varies depending on
/// role. If the role is "Parent", for example, <see cref="employablePersons"/> refers to the parents.
/// If the role is "IndependentStudent", <see cref="employablePersons"/> refers to the student and
/// spouse</param>
/// <returns>"Employment Expense Allowance"</returns>
public double CalculateEmploymentExpenseAllowance(
EfcCalculationRole role,
MaritalStatus maritalStatus,
List <HouseholdMember> employablePersons)
{
if (employablePersons == null ||
!employablePersons.Any() ||
(role == EfcCalculationRole.DependentStudent) ||
(role == EfcCalculationRole.IndependentStudentWithoutDependents &&
maritalStatus == MaritalStatus.SingleSeparatedDivorced))
{
return(0);
}
IEnumerable <HouseholdMember> incomeEarners
= employablePersons
.Where(ep => ep.IsWorking)
.OrderBy(ie => ie.WorkIncome);
// Not all of the employable persons are working
if (incomeEarners.Count() != employablePersons.Count())
{
return(0);
}
// Use the lesser of the incomes for the calculation
double lowestIncome = incomeEarners.First().WorkIncome;
double adjustedLowestIncome = (lowestIncome * _constants.EmploymentExpensePercent);
double employmentExpenseAllowance = adjustedLowestIncome > _constants.EmploymentExpenseMaximum
? _constants.EmploymentExpenseMaximum : adjustedLowestIncome;
return(Math.Round(employmentExpenseAllowance < 0 ? 0 : employmentExpenseAllowance,
MidpointRounding.AwayFromZero));
}
/// <summary>
/// Calculates Total Allowances
/// </summary>
/// <param name="role">Subject's role within the calculation</param>
/// <param name="maritalStatus">Marital status</param>
/// <param name="stateOfResidency">State of residency</param>
/// <param name="numInCollege">Number in college</param>
/// <param name="numInHousehold">Number in household</param>
/// <param name="employablePersons">People capable of employment. Exact definition varies depending on
/// role. If the role is "Parent", for example, <see cref="employablePersons"/> refers to the parents.
/// If the role is "IndependentStudent", <see cref="employablePersons"/> refers to the student and
/// spouse</param>
/// <param name="totalIncome">Total income</param>
/// <param name="incomeTaxPaid">U.S. income tax paid</param>
/// <returns>"Total Allowances"</returns>
public double CalculateTotalAllowances(
EfcCalculationRole role,
MaritalStatus maritalStatus,
UnitedStatesStateOrTerritory stateOfResidency,
int numInCollege,
int numInHousehold,
List<HouseholdMember> employablePersons,
double totalIncome,
double incomeTaxPaid)
{
double totalAllowances = 0;
// Income Tax Paid
totalAllowances += CalculateIncomeTaxAllowance(incomeTaxPaid);
// State Tax
totalAllowances += CalculateStateTaxAllowance(role, stateOfResidency, totalIncome);
// Social Security Tax
totalAllowances += employablePersons
.Where(person => person.IsWorking)
.Sum(person => CalculateSocialSecurityTaxAllowance(person.WorkIncome));
// Employment Expense Allowance
if (role != EfcCalculationRole.DependentStudent)
{
totalAllowances += CalculateEmploymentExpenseAllowance(role, maritalStatus, employablePersons);
}
// Income Protection Allowance
totalAllowances += CalculateIncomeProtectionAllowance(role, maritalStatus, numInCollege, numInHousehold);
return Math.Round(totalAllowances < 0 ? 0 : totalAllowances, MidpointRounding.AwayFromZero);
}
/// <summary>
/// Calculates "Employmement Expense Allowance"
/// </summary>
/// <param name="role">Subject's role within the calculation</param>
/// <param name="maritalStatus">Marital status</param>
/// <param name="employablePersons">People capable of employment. Exact definition varies depending on
/// role. If the role is "Parent", for example, <see cref="employablePersons"/> refers to the parents.
/// If the role is "IndependentStudent", <see cref="employablePersons"/> refers to the student and
/// spouse</param>
/// <returns>"Employment Expense Allowance"</returns>
public double CalculateEmploymentExpenseAllowance(
EfcCalculationRole role,
MaritalStatus maritalStatus,
List <HouseholdMember> employablePersons)
{
if (employablePersons == null ||
employablePersons.Count == 0 ||
(role == EfcCalculationRole.DependentStudent) ||
(role == EfcCalculationRole.IndependentStudentWithoutDependents &&
maritalStatus == MaritalStatus.SingleSeparatedDivorced))
{
return(0);
}
// Create a list of working Household Members
List <HouseholdMember> incomeEarners = new List <HouseholdMember>();
foreach (HouseholdMember person in employablePersons)
{
if (person.IsWorking)
{
incomeEarners.Add(person);
}
}
// Not all of the employable persons are working
if (incomeEarners.Count != employablePersons.Count)
{
return(0);
}
HouseholdMember lowestIncomeEarner = incomeEarners[0];
foreach (HouseholdMember person in incomeEarners)
{
if (person.WorkIncome < lowestIncomeEarner.WorkIncome)
{
lowestIncomeEarner = person;
}
}
// Use the lesser of the incomes for the calculation
double lowestIncome = lowestIncomeEarner.WorkIncome;
double adjustedLowestIncome = (lowestIncome * _constants.EmploymentExpensePercent);
double employmentExpenseAllowance = adjustedLowestIncome > _constants.EmploymentExpenseMaximum
? _constants.EmploymentExpenseMaximum : adjustedLowestIncome;
return(Math.Round(employmentExpenseAllowance < 0 ? 0 : employmentExpenseAllowance,
MidpointRounding.AwayFromZero));
}
/// <summary>
/// Calculates Net Worth contribution
/// </summary>
/// <param name="role">Role of the subject within the calculation</param>
/// <param name="cashSavingsCheckings">Cash, savings, and checkings value</param>
/// <param name="investmentNetWorth">Net worth of investments</param>
/// <param name="businessFarmNetWorth">Net worth of business and/or investment farm</param>
/// <returns>Net Worth contribution</returns>
public double CalculateNetWorth(
EfcCalculationRole role,
double cashSavingsCheckings,
double investmentNetWorth,
double businessFarmNetWorth)
{
double netWorth = 0;
netWorth += CalculateCashSavingsCheckingsContribution(cashSavingsCheckings);
netWorth += CalculateInvestmentNetWorthContribution(investmentNetWorth);
netWorth += CalculateAdjustedBusinessFarmNetWorthContribution(role, businessFarmNetWorth);
return(Math.Round(netWorth, MidpointRounding.AwayFromZero));
}
/// <summary>
/// Calculates Available Income
/// </summary>
/// <param name="role">Role of the subject within the calculation</param>
/// <param name="totalIncome">Total income</param>
/// <param name="totalAllowances">Total allowances</param>
/// <returns></returns>
public double CalculateAvailableIncome(EfcCalculationRole role, double totalIncome, double totalAllowances)
{
double availableIncome = Math.Round(totalIncome - totalAllowances, MidpointRounding.AwayFromZero);
// The available income for Dependent Students and Independent Students Without Depends is
// multiplied by an assessment percent
if (role == EfcCalculationRole.DependentStudent || role == EfcCalculationRole.IndependentStudentWithoutDependents)
{
return availableIncome < 0
? 0
: Math.Round(availableIncome * _constants.AiAssessmentPercent, MidpointRounding.AwayFromZero);
}
return availableIncome;
}
/// <summary>
/// Calculates Contribution from Adjusted Available Income (AAI)
/// </summary>
/// <param name="role">Role of the subject within the calculation</param>
/// <param name="adjustedAvailableIncome">Adjusted Available Income</param>
/// <returns>"Contribution from AAI"</returns>
public double CalculateContributionFromAai(EfcCalculationRole role, double adjustedAvailableIncome)
{
if (role == EfcCalculationRole.DependentStudent ||
role == EfcCalculationRole.IndependentStudentWithoutDependents)
{
return(Math.Round(adjustedAvailableIncome < 0 ? 0 : adjustedAvailableIncome,
MidpointRounding.AwayFromZero));
}
if (adjustedAvailableIncome < _constants.AaiContributionRanges[0])
{
return(0);
}
int baseRange = 0;
int index = 0;
// Loop through AAIContributionRanges until adjustedAvailableIncome param is within range
for (int i = 0; i < _constants.AaiContributionRanges.Length; i++)
{
index = i;
// If at end of ranges, set baseAmount to maximum range
if (i == _constants.AaiContributionRanges.Length - 1)
{
baseRange = _constants.AaiContributionRanges[i];
break;
}
// If adjustedAvailableIncome is within range
if (adjustedAvailableIncome < _constants.AaiContributionRanges[i + 1])
{
// If adjustedAvailableIncome is within first range, there is no baseAmount;
// otherwise, assign standard baseAmount
baseRange = (i == 0) ? 0 : _constants.AaiContributionRanges[i];
break;
}
}
// Contribution From AAI =
// (Base Amount for Range)
// + (((Adjusted Available Income) - (Lowest Value of Range)) * (Percent for Range))
double contributionFromAai =
_constants.AaiContributionBases[index]
+ ((adjustedAvailableIncome - baseRange) * (_constants.AaiContributionPercents[index] * 0.01));
return(Math.Round((contributionFromAai < 0) ? 0 : contributionFromAai, MidpointRounding.AwayFromZero));
}
/// <summary>
/// Calculates the Adjusted Net Worth of Business/Farm contribution
/// </summary>
/// <param name="role">Role of the subject within the calculation</param>
/// <param name="businessFarmNetWorth">Net worth of business and/or investment farm</param>
/// <returns></returns>
public double CalculateAdjustedBusinessFarmNetWorthContribution(
EfcCalculationRole role,
double businessFarmNetWorth)
{
if (role == EfcCalculationRole.DependentStudent)
{
return(Math.Round(businessFarmNetWorth < 0 ? 0 : businessFarmNetWorth, MidpointRounding.AwayFromZero));
}
int baseRange = 0;
int index = 0;
int maxIndex = _constants.BusinessFarmNetWorthAdjustmentRanges.Length - 1;
// Loop through BusinessFarmNetWorthAdjustmentContributionRanges until businessFarmNetWorth
// param is within range
for (int i = 0; i < _constants.BusinessFarmNetWorthAdjustmentRanges.Length; i++)
{
index = i;
// If at end of ranges, set baseAmount to maximum range
if (i == maxIndex)
{
baseRange = _constants.BusinessFarmNetWorthAdjustmentRanges[i];
break;
}
// If businessFarmNetWorth is within range
if (businessFarmNetWorth < _constants.BusinessFarmNetWorthAdjustmentRanges[i + 1])
{
// If businessFarmNetWorth is within first range, there is no baseAmount
// Otherwise, assign standard baseAmount
baseRange = (i == 0) ? 0 : _constants.BusinessFarmNetWorthAdjustmentRanges[i];
break;
}
}
// Contribution From AAI =
// (Base Amount for Range)
// + (((Business Farm Net Worth) - (Lowest Value of Range)) * (Percent for Range))
double adjustedBusinessFarmNetWorth =
_constants.BusinessFarmNetWorthAdjustmentBases[index]
+ ((businessFarmNetWorth - baseRange)
* (_constants.BusinessFarmNetWorthAdjustmentPercents[index] * 0.01));
return(Math.Round((adjustedBusinessFarmNetWorth < 0) ? 0 : adjustedBusinessFarmNetWorth,
MidpointRounding.AwayFromZero));
}
/// <summary>
/// Calculates Contribution From Assets
/// </summary>
/// <param name="role">Role of the subject within the calculation</param>
/// <param name="maritalStatus">Marital Status</param>
/// <param name="age">Age</param>
/// <param name="cashSavingsCheckings">Cash, savings, and checkings value</param>
/// <param name="investmentNetWorth">Net worth of investments</param>
/// <param name="businessFarmNetWorth">Net worth of business and/or investment farm</param>
/// <returns>"Contribution From Assets"</returns>
public double CalculateContributionFromAssets(
EfcCalculationRole role,
MaritalStatus maritalStatus,
int age,
double cashSavingsCheckings,
double investmentNetWorth,
double businessFarmNetWorth)
{
double contributionFromAssets = 0;
if (role == EfcCalculationRole.DependentStudent)
{
contributionFromAssets
+= CalculateNetWorth(role, cashSavingsCheckings, investmentNetWorth, businessFarmNetWorth);
}
else
{
contributionFromAssets
+= CalculateDiscretionaryNetWorth(role, maritalStatus, age, cashSavingsCheckings,
investmentNetWorth, businessFarmNetWorth);
}
double assetRate = 1;
switch (role)
{
case EfcCalculationRole.Parent:
assetRate = _constants.DependentParentAssetRate;
break;
case EfcCalculationRole.DependentStudent:
assetRate = _constants.DependentStudentAssetRate;
break;
case EfcCalculationRole.IndependentStudentWithDependents:
assetRate = _constants.IndependentWithDependentsAssetRate;
break;
case EfcCalculationRole.IndependentStudentWithoutDependents:
assetRate = _constants.IndependentWithoutDependentsAssetRate;
break;
}
contributionFromAssets *= assetRate;
return(Math.Round(contributionFromAssets < 0 ? 0 : contributionFromAssets, MidpointRounding.AwayFromZero));
}
/// <summary>
/// Calculates Contribution From Assets
/// </summary>
/// <param name="role">Role of the subject within the calculation</param>
/// <param name="maritalStatus">Marital Status</param>
/// <param name="age">Age</param>
/// <param name="cashSavingsCheckings">Cash, savings, and checkings value</param>
/// <param name="investmentNetWorth">Net worth of investments</param>
/// <param name="businessFarmNetWorth">Net worth of business and/or investment farm</param>
/// <returns>"Contribution From Assets"</returns>
public double CalculateContributionFromAssets(
EfcCalculationRole role,
MaritalStatus maritalStatus,
int age,
double cashSavingsCheckings,
double investmentNetWorth,
double businessFarmNetWorth)
{
double contributionFromAssets = 0;
if (role == EfcCalculationRole.DependentStudent)
{
contributionFromAssets
+= CalculateNetWorth(role, cashSavingsCheckings, investmentNetWorth, businessFarmNetWorth);
}
else
{
contributionFromAssets
+= CalculateDiscretionaryNetWorth(role, maritalStatus, age, cashSavingsCheckings,
investmentNetWorth, businessFarmNetWorth);
}
double assetRate = 1;
switch (role)
{
case EfcCalculationRole.Parent:
assetRate = _constants.DependentParentAssetRate;
break;
case EfcCalculationRole.DependentStudent:
assetRate = _constants.DependentStudentAssetRate;
break;
case EfcCalculationRole.IndependentStudentWithDependents:
assetRate = _constants.IndependentWithDependentsAssetRate;
break;
case EfcCalculationRole.IndependentStudentWithoutDependents:
assetRate = _constants.IndependentWithoutDependentsAssetRate;
break;
}
contributionFromAssets *= assetRate;
return Math.Round(contributionFromAssets < 0 ? 0 : contributionFromAssets, MidpointRounding.AwayFromZero);
}
/// <summary>
/// Calculates Discretionary Net Worth contribution
/// </summary>
/// <param name="role">Role of the subject within the calculation</param>
/// <param name="maritalStatus">Marital Status</param>
/// <param name="age">Age</param>
/// <param name="cashSavingsCheckings">Cash, savings, and checkings value</param>
/// <param name="investmentNetWorth">Net worth of investments</param>
/// <param name="businessFarmNetWorth">Net worth of business and/or investment farm</param>
/// <returns>"Discretionary Net Worth" contribution</returns>
public double CalculateDiscretionaryNetWorth(
EfcCalculationRole role,
MaritalStatus maritalStatus,
int age,
double cashSavingsCheckings,
double investmentNetWorth,
double businessFarmNetWorth)
{
double discretionaryNetWorth = 0;
discretionaryNetWorth +=
CalculateNetWorth(role, cashSavingsCheckings, investmentNetWorth, businessFarmNetWorth);
discretionaryNetWorth -=
CalculateAssetProtectionAllowance(maritalStatus, age);
return(Math.Round(discretionaryNetWorth, MidpointRounding.AwayFromZero));
}
/// <summary>
/// Calculates State and Other Tax allowance
/// </summary>
/// <param name="role">Subject's role within the calculation</param>
/// <param name="stateOfResidency">State of residency</param>
/// <param name="totalIncome">Total income</param>
/// <returns>State and Other Tax allowance</returns>
public double CalculateStateTaxAllowance(
EfcCalculationRole role,
UnitedStatesStateOrTerritory stateOfResidency,
double totalIncome)
{
double stateTaxAllowance = 0;
switch (role)
{
// For Parents and Independent Students With Dependents, use the "Parent" State Tax Allowance chart
case EfcCalculationRole.Parent:
case EfcCalculationRole.IndependentStudentWithDependents:
if (totalIncome < _constants.StateTaxAllowanceIncomeThreshold)
{
stateTaxAllowance =
(_constants.ParentStateTaxAllowancePercents[(int)stateOfResidency] * 0.01) * totalIncome;
}
else
{
stateTaxAllowance =
((_constants.ParentStateTaxAllowancePercents[(int)stateOfResidency] - 1) * 0.01)
* totalIncome;
}
break;
// For Dependent Students and Independent Students Without Dependents, use the "Student" State Tax Allowance chart
case EfcCalculationRole.DependentStudent:
case EfcCalculationRole.IndependentStudentWithoutDependents:
stateTaxAllowance =
(_constants.StudentStateTaxAllowancePercents[(int)stateOfResidency] * 0.01) * totalIncome;
break;
}
return Math.Round(stateTaxAllowance < 0 ? 0 : stateTaxAllowance, MidpointRounding.AwayFromZero);
}
/// <summary>
/// Calculates "Employmement Expense Allowance"
/// </summary>
/// <param name="role">Subject's role within the calculation</param>
/// <param name="maritalStatus">Marital status</param>
/// <param name="employablePersons">People capable of employment. Exact definition varies depending on
/// role. If the role is "Parent", for example, <see cref="employablePersons"/> refers to the parents.
/// If the role is "IndependentStudent", <see cref="employablePersons"/> refers to the student and
/// spouse</param>
/// <returns>"Employment Expense Allowance"</returns>
public double CalculateEmploymentExpenseAllowance(
EfcCalculationRole role,
MaritalStatus maritalStatus,
List<HouseholdMember> employablePersons)
{
if (employablePersons == null
|| employablePersons.Count == 0
|| (role == EfcCalculationRole.DependentStudent)
|| (role == EfcCalculationRole.IndependentStudentWithoutDependents
&& maritalStatus == MaritalStatus.SingleSeparatedDivorced))
{
return 0;
}
// Create a list of working Household Members
List<HouseholdMember> incomeEarners = new List<HouseholdMember>();
foreach (HouseholdMember person in employablePersons)
{
if (person.IsWorking)
{
incomeEarners.Add(person);
}
}
// Not all of the employable persons are working
if (incomeEarners.Count != employablePersons.Count)
{
return 0;
}
HouseholdMember lowestIncomeEarner = incomeEarners[0];
foreach (HouseholdMember person in incomeEarners)
{
if (person.WorkIncome < lowestIncomeEarner.WorkIncome)
{
lowestIncomeEarner = person;
}
}
// Use the lesser of the incomes for the calculation
double lowestIncome = lowestIncomeEarner.WorkIncome;
double adjustedLowestIncome = (lowestIncome * _constants.EmploymentExpensePercent);
double employmentExpenseAllowance = adjustedLowestIncome > _constants.EmploymentExpenseMaximum
? _constants.EmploymentExpenseMaximum : adjustedLowestIncome;
return Math.Round(employmentExpenseAllowance < 0 ? 0 : employmentExpenseAllowance,
MidpointRounding.AwayFromZero);
}
/// <summary>
/// Calculates Income Protection Allowance
/// </summary>
/// <param name="role">Subject's role within the calculation</param>
/// <param name="maritalStatus">Marital status</param>
/// <param name="numInCollege">Number in college</param>
/// <param name="numInHousehold">Number in household</param>
/// <returns>"Income Protection Allowance"</returns>
public double CalculateIncomeProtectionAllowance(
EfcCalculationRole role,
MaritalStatus maritalStatus,
int numInCollege,
int numInHousehold)
{
if (numInCollege > numInHousehold || numInCollege <= 0 || numInHousehold <= 0)
{
return 0;
}
double incomeProtectionAllowance = 0;
switch (role)
{
case EfcCalculationRole.IndependentStudentWithDependents:
case EfcCalculationRole.Parent:
// Determine the appropriate charts to use for Income Protection Allowance values
int[,] incomeProtectionAllowances = (role == EfcCalculationRole.Parent)
? _constants.DependentParentIncomeProtectionAllowances
: _constants.IndependentWithDependentsIncomeProtectionAllowances;
int additionalStudentAllowance = (role == EfcCalculationRole.Parent)
? _constants.DependentAdditionalStudentAllowance
: _constants.IndependentAdditionalStudentAllowance;
int additionalFamilyAllowance = (role == EfcCalculationRole.Parent)
? _constants.DependentAdditionalFamilyAllowance
: _constants.IndependentAdditionalFamilyAllowance;
// If number of children in the household exceeds table range, add additionalFamilyAllowance
// for each additional child
int maxHouseholdCount = incomeProtectionAllowances.GetLength(0) - 1;
int householdCount = numInHousehold;
if (numInHousehold > maxHouseholdCount)
{
// Set number in household to maximum table range
householdCount = maxHouseholdCount;
incomeProtectionAllowance += (numInHousehold - maxHouseholdCount) * additionalFamilyAllowance;
}
// If number of children in college exceeds table range, add additionalStudentAllowance
// for each additional child
int maxCollegeCount = incomeProtectionAllowances.GetLength(1) - 1;
int collegeCount = numInCollege;
if (numInCollege > maxCollegeCount)
{
// Set number in college to maximum table range
collegeCount = maxCollegeCount;
incomeProtectionAllowance -= (numInCollege - maxCollegeCount) * additionalStudentAllowance;
}
// Add standard incomeProtectionAllowance value
incomeProtectionAllowance += incomeProtectionAllowances[householdCount, collegeCount];
break;
case EfcCalculationRole.IndependentStudentWithoutDependents:
if (maritalStatus == MaritalStatus.SingleSeparatedDivorced)
{
incomeProtectionAllowance
= _constants.SingleIndependentWithoutDependentsIncomeProtectionAllowance;
}
else
{
// If spouse is enrolled at least 1/2 time, then use the Income Protection Allowance value
// for Single/Separated/Divorced
incomeProtectionAllowance = (numInCollege > 1) ?
_constants.SingleIndependentWithoutDependentsIncomeProtectionAllowance
: _constants.MarriedIndependentWithoutDependentsIncomeProtectionAllowance;
}
break;
case EfcCalculationRole.DependentStudent:
incomeProtectionAllowance = _constants.DependentStudentIncomeProtectionAllowance;
break;
}
return Math.Round(incomeProtectionAllowance < 0 ? 0 : incomeProtectionAllowance,
MidpointRounding.AwayFromZero);
}
/// <summary>
/// Calculates student contribution (PC) and expected family contribution (EFC) for an independent student
/// </summary>
/// <param name="args">Parameters for the calculation</param>
/// <returns>Student contribution (PC) and expected family contribution (EFC) for an independent student</returns>
public EfcProfile GetIndependentEfcProfile(IndependentEfcCalculatorArguments args)
{
if (args.NumberInCollege <= 0 ||
args.MonthsOfEnrollment <= 0 ||
args.Student == null)
{
return(new EfcProfile(0, 0, 0, 0));
}
EfcCalculationRole role = (args.HasDependents)
? EfcCalculationRole.IndependentStudentWithDependents
: EfcCalculationRole.IndependentStudentWithoutDependents;
double workIncome = 0;
List <HouseholdMember> householdMembers = new List <HouseholdMember> {
args.Student
};
workIncome += args.Student.IsWorking ? args.Student.WorkIncome : 0;
if (args.Spouse != null)
{
if (args.Spouse.IsWorking)
{
workIncome += args.Spouse.WorkIncome;
}
householdMembers.Add(args.Spouse);
}
double simpleIncome = (args.AreTaxFilers) ? args.AdjustedGrossIncome : workIncome;
// Determine Auto Zero EFC eligibility
if (args.IsQualifiedForSimplified &&
role == EfcCalculationRole.IndependentStudentWithDependents &&
simpleIncome <= _constants.AutoZeroEfcMax)
{
return(new EfcProfile(0, 0, 0, 0));
}
// Student's Total Income
double totalIncome = _incomeCalculator.CalculateTotalIncome(
args.AdjustedGrossIncome,
workIncome,
args.AreTaxFilers,
args.UntaxedIncomeAndBenefits,
args.AdditionalFinancialInfo);
// Student's Total Allowances
double totalAllowances = _allowanceCalculator.CalculateTotalAllowances(
role,
args.MaritalStatus,
args.StateOfResidency,
args.NumberInCollege,
args.NumberInHousehold,
householdMembers,
totalIncome,
args.IncomeTaxPaid);
// Student's Available Income (Contribution from Available Income)
double availableIncome = _incomeCalculator.CalculateAvailableIncome(role, totalIncome, totalAllowances);
// Determine Simplified EFC Equation Eligibility
bool useSimplified = (args.IsQualifiedForSimplified && simpleIncome <= _constants.SimplifiedEfcMax);
// Student's Contribution From Assets
double assetContribution = 0;
if (!useSimplified)
{
assetContribution = _assetContributionCalculator.CalculateContributionFromAssets(
role,
args.MaritalStatus,
args.Age,
args.CashSavingsCheckings,
args.InvestmentNetWorth,
args.BusinessFarmNetWorth);
}
// Student's Adjusted Available Income
double adjustedAvailableIncome = availableIncome + assetContribution;
// Student Contribution From AAI
double studentContributionFromAai
= _aaiContributionCalculator.CalculateContributionFromAai(role, adjustedAvailableIncome);
// Student's Contribution
double studentContribution = Math.Round(studentContributionFromAai / args.NumberInCollege,
MidpointRounding.AwayFromZero);
// Modify Student's Available Income based on months of enrollment
if (args.MonthsOfEnrollment < DefaultMonthsOfEnrollment)
{
// LESS than default months of enrollment
double monthlyContribution = Math.Round(studentContribution / DefaultMonthsOfEnrollment);
studentContribution = monthlyContribution * args.MonthsOfEnrollment;
}
// For MORE than default months of enrollment, the standard contribution is used
EfcProfile profile = new EfcProfile(studentContribution, 0, studentContribution, 0);
return(profile);
}
/// <summary>
/// Calculates "Employmement Expense Allowance"
/// </summary>
/// <param name="role">Subject's role within the calculation</param>
/// <param name="maritalStatus">Marital status</param>
/// <param name="employablePersons">People capable of employment. Exact definition varies depending on
/// role. If the role is "Parent", for example, <see cref="employablePersons"/> refers to the parents.
/// If the role is "IndependentStudent", <see cref="employablePersons"/> refers to the student and
/// spouse</param>
/// <returns>"Employment Expense Allowance"</returns>
public double CalculateEmploymentExpenseAllowance(
EfcCalculationRole role,
MaritalStatus maritalStatus,
List<HouseholdMember> employablePersons)
{
if (employablePersons == null
|| !employablePersons.Any()
|| (role == EfcCalculationRole.DependentStudent)
|| (role == EfcCalculationRole.IndependentStudentWithoutDependents
&& maritalStatus == MaritalStatus.SingleSeparatedDivorced))
{
return 0;
}
IEnumerable<HouseholdMember> incomeEarners
= employablePersons
.Where(ep => ep.IsWorking)
.OrderBy(ie => ie.WorkIncome);
// Not all of the employable persons are working
if (incomeEarners.Count() != employablePersons.Count())
{
return 0;
}
// Use the lesser of the incomes for the calculation
double lowestIncome = incomeEarners.First().WorkIncome;
double adjustedLowestIncome = (lowestIncome * _constants.EmploymentExpensePercent);
double employmentExpenseAllowance = adjustedLowestIncome > _constants.EmploymentExpenseMaximum
? _constants.EmploymentExpenseMaximum : adjustedLowestIncome;
return Math.Round(employmentExpenseAllowance < 0 ? 0 : employmentExpenseAllowance,
MidpointRounding.AwayFromZero);
}
/// <summary>
/// Calculates Net Worth contribution
/// </summary>
/// <param name="role">Role of the subject within the calculation</param>
/// <param name="cashSavingsCheckings">Cash, savings, and checkings value</param>
/// <param name="investmentNetWorth">Net worth of investments</param>
/// <param name="businessFarmNetWorth">Net worth of business and/or investment farm</param>
/// <returns>Net Worth contribution</returns>
public double CalculateNetWorth(
EfcCalculationRole role,
double cashSavingsCheckings,
double investmentNetWorth,
double businessFarmNetWorth)
{
double netWorth = 0;
netWorth += CalculateCashSavingsCheckingsContribution(cashSavingsCheckings);
netWorth += CalculateInvestmentNetWorthContribution(investmentNetWorth);
netWorth += CalculateAdjustedBusinessFarmNetWorthContribution(role, businessFarmNetWorth);
return Math.Round(netWorth, MidpointRounding.AwayFromZero);
}
/// <summary>
/// Calculates the Adjusted Net Worth of Business/Farm contribution
/// </summary>
/// <param name="role">Role of the subject within the calculation</param>
/// <param name="businessFarmNetWorth">Net worth of business and/or investment farm</param>
/// <returns></returns>
public double CalculateAdjustedBusinessFarmNetWorthContribution(
EfcCalculationRole role,
double businessFarmNetWorth)
{
if (role == EfcCalculationRole.DependentStudent)
{
return Math.Round(businessFarmNetWorth < 0 ? 0 : businessFarmNetWorth, MidpointRounding.AwayFromZero);
}
int baseRange = 0;
int index = 0;
int maxIndex = _constants.BusinessFarmNetWorthAdjustmentRanges.Length - 1;
// Loop through BusinessFarmNetWorthAdjustmentContributionRanges until businessFarmNetWorth
// param is within range
for (int i = 0; i < _constants.BusinessFarmNetWorthAdjustmentRanges.Length; i++)
{
index = i;
// If at end of ranges, set baseAmount to maximum range
if (i == maxIndex)
{
baseRange = _constants.BusinessFarmNetWorthAdjustmentRanges[i];
break;
}
// If businessFarmNetWorth is within range
if (businessFarmNetWorth < _constants.BusinessFarmNetWorthAdjustmentRanges[i + 1])
{
// If businessFarmNetWorth is within first range, there is no baseAmount
// Otherwise, assign standard baseAmount
baseRange = (i == 0) ? 0 : _constants.BusinessFarmNetWorthAdjustmentRanges[i];
break;
}
}
// Contribution From AAI =
// (Base Amount for Range)
// + (((Business Farm Net Worth) - (Lowest Value of Range)) * (Percent for Range))
double adjustedBusinessFarmNetWorth =
_constants.BusinessFarmNetWorthAdjustmentBases[index]
+ ((businessFarmNetWorth - baseRange)
* (_constants.BusinessFarmNetWorthAdjustmentPercents[index] * 0.01));
return Math.Round((adjustedBusinessFarmNetWorth < 0) ? 0 : adjustedBusinessFarmNetWorth,
MidpointRounding.AwayFromZero);
}
/// <summary>
/// Calculates Income Protection Allowance
/// </summary>
/// <param name="role">Subject's role within the calculation</param>
/// <param name="maritalStatus">Marital status</param>
/// <param name="numInCollege">Number in college</param>
/// <param name="numInHousehold">Number in household</param>
/// <returns>"Income Protection Allowance"</returns>
public double CalculateIncomeProtectionAllowance(
EfcCalculationRole role,
MaritalStatus maritalStatus,
int numInCollege,
int numInHousehold)
{
if (numInCollege > numInHousehold || numInCollege <= 0 || numInHousehold <= 0)
{
return(0);
}
double incomeProtectionAllowance = 0;
switch (role)
{
case EfcCalculationRole.IndependentStudentWithDependents:
case EfcCalculationRole.Parent:
// Determine the appropriate charts to use for Income Protection Allowance values
int[,] incomeProtectionAllowances = (role == EfcCalculationRole.Parent)
? _constants.DependentParentIncomeProtectionAllowances
: _constants.IndependentWithDependentsIncomeProtectionAllowances;
int additionalStudentAllowance = (role == EfcCalculationRole.Parent)
? _constants.DependentAdditionalStudentAllowance
: _constants.IndependentAdditionalStudentAllowance;
int additionalFamilyAllowance = (role == EfcCalculationRole.Parent)
? _constants.DependentAdditionalFamilyAllowance
: _constants.IndependentAdditionalFamilyAllowance;
// If number of children in the household exceeds table range, add additionalFamilyAllowance
// for each additional child
int maxHouseholdCount = incomeProtectionAllowances.GetLength(0) - 1;
int householdCount = numInHousehold;
if (numInHousehold > maxHouseholdCount)
{
// Set number in household to maximum table range
householdCount = maxHouseholdCount;
incomeProtectionAllowance += (numInHousehold - maxHouseholdCount) * additionalFamilyAllowance;
}
// If number of children in college exceeds table range, add additionalStudentAllowance
// for each additional child
int maxCollegeCount = incomeProtectionAllowances.GetLength(1) - 1;
int collegeCount = numInCollege;
if (numInCollege > maxCollegeCount)
{
// Set number in college to maximum table range
collegeCount = maxCollegeCount;
incomeProtectionAllowance -= (numInCollege - maxCollegeCount) * additionalStudentAllowance;
}
// Add standard incomeProtectionAllowance value
incomeProtectionAllowance += incomeProtectionAllowances[householdCount, collegeCount];
break;
case EfcCalculationRole.IndependentStudentWithoutDependents:
if (maritalStatus == MaritalStatus.SingleSeparatedDivorced)
{
incomeProtectionAllowance
= _constants.SingleIndependentWithoutDependentsIncomeProtectionAllowance;
}
else
{
// If spouse is enrolled at least 1/2 time, then use the Income Protection Allowance value
// for Single/Separated/Divorced
incomeProtectionAllowance = (numInCollege > 1) ?
_constants.SingleIndependentWithoutDependentsIncomeProtectionAllowance
: _constants.MarriedIndependentWithoutDependentsIncomeProtectionAllowance;
}
break;
case EfcCalculationRole.DependentStudent:
incomeProtectionAllowance = _constants.DependentStudentIncomeProtectionAllowance;
break;
}
return(Math.Round(incomeProtectionAllowance < 0 ? 0 : incomeProtectionAllowance,
MidpointRounding.AwayFromZero));
}
/// <summary>
/// Calculates Discretionary Net Worth contribution
/// </summary>
/// <param name="role">Role of the subject within the calculation</param>
/// <param name="maritalStatus">Marital Status</param>
/// <param name="age">Age</param>
/// <param name="cashSavingsCheckings">Cash, savings, and checkings value</param>
/// <param name="investmentNetWorth">Net worth of investments</param>
/// <param name="businessFarmNetWorth">Net worth of business and/or investment farm</param>
/// <returns>"Discretionary Net Worth" contribution</returns>
public double CalculateDiscretionaryNetWorth(
EfcCalculationRole role,
MaritalStatus maritalStatus,
int age,
double cashSavingsCheckings,
double investmentNetWorth,
double businessFarmNetWorth)
{
double discretionaryNetWorth = 0;
discretionaryNetWorth +=
CalculateNetWorth(role, cashSavingsCheckings, investmentNetWorth, businessFarmNetWorth);
discretionaryNetWorth -=
CalculateAssetProtectionAllowance(maritalStatus, age);
return Math.Round(discretionaryNetWorth, MidpointRounding.AwayFromZero);
}
