private IRetirementReport ReportFor(Family family, bool exitOnceMinCalcd = false, DateTime?givenRetirementDate = null)
{
_incomeTaxCalculator = new IncomeTaxCalculator();
var result = new RetirementReport(_pensionAgeCalc, _incomeTaxCalculator, family, _now, givenRetirementDate, _assumptions, _taxSystem);
var calcdMinimum = false;
var monthsToDeath = MonthsToDeath(family.PrimaryPerson.Dob, _now);
for (var month = 1; month <= monthsToDeath; month++)
{
ProgressTheResultBy1Month(family, givenRetirementDate, result, calcdMinimum);
if (givenRetirementDate == null && !calcdMinimum)
{
var retirementReport = result.CopyCalcMinimumMode();
if (IsThatEnoughTillDeath(family, retirementReport, month, monthsToDeath))
{
result.Persons.ForEach((p) => p.FinancialIndependenceDate = result.PrimaryPerson.StepReport.CurrentStep.StepDate);
if (exitOnceMinCalcd)
{
return(result);
}
calcdMinimum = true;
}
}
}
return(result);
}
private bool IsThatEnoughTillDeath(Family family, RetirementReport report, int month, int monthsToDeath)
{
var emergencyFundMet = false;
var minimumCash = 0;
for (var m = month + 1; m <= monthsToDeath; m++)
{
var addMonths = _now.AddMonths(m);
ProgressTheResultBy1Month(family, null, report, true);
if (report.EmergencyFund() >= report.RequiredEmergencyFund(addMonths))
{
emergencyFundMet = true;
}
if ((report.Investments() + report.EmergencyFund() <= minimumCash) || (emergencyFundMet && report.Investments() <= minimumCash))
{
return(false);
}
}
return(emergencyFundMet);
}
private void ProgressTheResultBy1Month(Family family, DateTime?givenRetirementDate, RetirementReport result, bool calcdMinimum)
{
foreach (var person in result.Persons)
{
person.StepReport.NewStep(calcdMinimum, result, result.Persons.Count, givenRetirementDate);
if (person.Retired(calcdMinimum, person.StepReport.CurrentStep.StepDate, givenRetirementDate))
{
person.CrystallisePension();
}
var salary = person.MonthlySalaryAfterDeductionsAt(person.StepReport.CurrentStep.StepDate);
person.StepReport.UpdateSpending();
person.StepReport.UpdatePrivatePension();
person.StepReport.UpdateGrowth();
person.StepReport.UpdateStatePensionAmount(_statePensionAmountCalculator, person.StatePensionDate, salary);
person.StepReport.UpdateSalary(salary);
person.StepReport.ProcessTaxableIncomeIntoSavings();
}
var personWithClaim = result.PersonReportFor(family.PersonWithChildBenefitClaim());
if (personWithClaim != null)
{
var personWithoutClaim = result.PersonReportFor(family.PersonWithoutChildBenefitClaim());
personWithClaim.StepReport.UpdateChildBenefit(personWithoutClaim);
}
result.BalanceSavings();
}
