// src/screens/portfolio/views/PlanningView.cpp #include "screens/portfolio/views/PlanningView.h" #include "storage/repositories/SettingsRepository.h" #include "ui/theme/Theme.h" #include #include #include #include #include #include #include #include #include #include #include #include #include #include #include #include #include #include #include #include namespace fincept::screens { PlanningView::PlanningView(QWidget* parent) : QWidget(parent) { build_ui(); } void PlanningView::build_ui() { auto* layout = new QVBoxLayout(this); layout->setContentsMargins(0, 0, 0, 0); tabs_ = new QTabWidget; tabs_->setDocumentMode(true); // Tabs must show their full label ("RETIREMENT", not "RETIRE…"). Size each // tab to its text and never elide; scroll buttons appear only if the bar // genuinely can't fit (it can, for these three short labels). tabs_->tabBar()->setElideMode(Qt::ElideNone); tabs_->tabBar()->setExpanding(false); tabs_->tabBar()->setUsesScrollButtons(false); tabs_->setStyleSheet(QString("QTabWidget::pane { border:0; background:%1; }" "QTabBar::tab { background:%2; color:%3; padding:6px 16px; border:0;" " border-bottom:2px solid transparent; font-size:9px; font-weight:700;" " letter-spacing:0.5px; min-width:72px; }" "QTabBar::tab:selected { color:%4; border-bottom:2px solid %4; }" "QTabBar::tab:hover { color:%5; }") .arg(ui::colors::BG_BASE(), ui::colors::BG_SURFACE(), ui::colors::TEXT_SECONDARY(), ui::colors::AMBER(), ui::colors::TEXT_PRIMARY())); retirement_tab_index_ = tabs_->addTab(build_retirement_tab(), tr("RETIREMENT")); goals_tab_index_ = tabs_->addTab(build_goals_tab(), tr("GOALS")); savings_tab_index_ = tabs_->addTab(build_savings_tab(), tr("SAVINGS")); layout->addWidget(tabs_); } QWidget* PlanningView::build_retirement_tab() { auto* w = new QWidget(this); auto* layout = new QHBoxLayout(w); layout->setContentsMargins(16, 12, 16, 12); layout->setSpacing(24); // Left: inputs auto* input_panel = new QWidget(this); input_panel->setFixedWidth(320); input_panel->setStyleSheet( QString("background:%1; border:1px solid %2;").arg(ui::colors::BG_RAISED(), ui::colors::BORDER_DIM())); auto* input_layout = new QVBoxLayout(input_panel); input_layout->setContentsMargins(16, 12, 16, 12); input_layout->setSpacing(8); input_title_ = new QLabel(tr("RETIREMENT CALCULATOR")); input_title_->setStyleSheet( QString("color:%1; font-size:11px; font-weight:700; letter-spacing:1px;").arg(ui::colors::AMBER())); input_layout->addWidget(input_title_); retire_assump_note_ = new QLabel; retire_assump_note_->setWordWrap(true); retire_assump_note_->setStyleSheet( QString("color:%1; font-size:9px; padding:2px 0 4px 0;").arg(ui::colors::CYAN())); input_layout->addWidget(retire_assump_note_); auto* form = new QFormLayout; form->setSpacing(8); form->setLabelAlignment(Qt::AlignRight); auto style_spin = [](QDoubleSpinBox* sb) { sb->setFixedHeight(26); sb->setStyleSheet( QString("QDoubleSpinBox { background:%1; color:%2; border:1px solid %3;" " padding:0 8px; font-size:11px; }" "QDoubleSpinBox:focus { border-color:%4; }") .arg(ui::colors::BG_BASE(), ui::colors::TEXT_PRIMARY(), ui::colors::BORDER_DIM(), ui::colors::AMBER())); }; auto label_style = QString("color:%1; font-size:10px;").arg(ui::colors::TEXT_SECONDARY()); current_age_ = new QDoubleSpinBox; current_age_->setRange(18, 100); current_age_->setValue(30); current_age_->setDecimals(0); style_spin(current_age_); l_current_age_ = new QLabel(tr("Current Age:")); l_current_age_->setStyleSheet(label_style); form->addRow(l_current_age_, current_age_); retire_age_ = new QDoubleSpinBox; retire_age_->setRange(30, 100); retire_age_->setValue(65); retire_age_->setDecimals(0); style_spin(retire_age_); l_retire_age_ = new QLabel(tr("Retire Age:")); l_retire_age_->setStyleSheet(label_style); form->addRow(l_retire_age_, retire_age_); annual_expense_ = new QDoubleSpinBox; annual_expense_->setRange(0, 10000000); annual_expense_->setValue(60000); annual_expense_->setPrefix("$ "); annual_expense_->setDecimals(0); style_spin(annual_expense_); l_annual_expense_ = new QLabel(tr("Annual Expense:")); l_annual_expense_->setStyleSheet(label_style); form->addRow(l_annual_expense_, annual_expense_); monthly_contrib_ = new QDoubleSpinBox; monthly_contrib_->setRange(0, 1000000); monthly_contrib_->setValue(2000); monthly_contrib_->setPrefix("$ "); monthly_contrib_->setDecimals(0); style_spin(monthly_contrib_); l_monthly_contrib_ = new QLabel(tr("Monthly Savings:")); l_monthly_contrib_->setStyleSheet(label_style); form->addRow(l_monthly_contrib_, monthly_contrib_); expected_return_ = new QDoubleSpinBox; expected_return_->setRange(0, 30); expected_return_->setValue(8); expected_return_->setSuffix(" %"); expected_return_->setDecimals(1); style_spin(expected_return_); l_expected_return_ = new QLabel(tr("Exp. Return:")); l_expected_return_->setStyleSheet(label_style); form->addRow(l_expected_return_, expected_return_); inflation_ = new QDoubleSpinBox; inflation_->setRange(0, 20); inflation_->setValue(3); inflation_->setSuffix(" %"); inflation_->setDecimals(1); style_spin(inflation_); l_inflation_ = new QLabel(tr("Inflation:")); l_inflation_->setStyleSheet(label_style); form->addRow(l_inflation_, inflation_); withdrawal_rate_ = new QDoubleSpinBox; withdrawal_rate_->setRange(2, 8); withdrawal_rate_->setValue(4); withdrawal_rate_->setSuffix(" %"); withdrawal_rate_->setDecimals(1); withdrawal_rate_->setSingleStep(0.5); style_spin(withdrawal_rate_); l_withdrawal_rate_ = new QLabel(tr("Withdrawal Rate:")); l_withdrawal_rate_->setStyleSheet(label_style); form->addRow(l_withdrawal_rate_, withdrawal_rate_); input_layout->addLayout(form); calc_btn_ = new QPushButton(tr("CALCULATE")); calc_btn_->setFixedHeight(28); calc_btn_->setCursor(Qt::PointingHandCursor); calc_btn_->setStyleSheet( QString("QPushButton { background:%1; color:#000; border:none; font-size:10px; font-weight:700; }" "QPushButton:hover { background:%2; }") .arg(ui::colors::AMBER(), ui::colors::WARNING())); connect(calc_btn_, &QPushButton::clicked, this, &PlanningView::recalculate); input_layout->addWidget(calc_btn_); input_layout->addStretch(); layout->addWidget(input_panel); // Right: results auto* results = new QWidget(this); auto* res_layout = new QVBoxLayout(results); res_layout->setContentsMargins(0, 0, 0, 0); res_layout->setSpacing(12); res_title_ = new QLabel(tr("PROJECTION RESULTS")); res_title_->setStyleSheet( QString("color:%1; font-size:12px; font-weight:700; letter-spacing:1px;").arg(ui::colors::AMBER())); res_layout->addWidget(res_title_); auto* grid = new QGridLayout; grid->setSpacing(8); auto add_card = [&](int r, int c, const QString& label, QLabel*& val_label, QLabel*& title_label, const char* color) { auto* card = new QWidget(this); card->setStyleSheet( QString("background:%1; border:1px solid %2;").arg(ui::colors::BG_RAISED(), ui::colors::BORDER_DIM())); auto* cl = new QVBoxLayout(card); cl->setContentsMargins(12, 8, 12, 8); cl->setSpacing(2); title_label = new QLabel(label); title_label->setStyleSheet(QString("color:%1; font-size:8px; font-weight:700; letter-spacing:0.5px;") .arg(ui::colors::TEXT_TERTIARY())); cl->addWidget(title_label); val_label = new QLabel("--"); val_label->setStyleSheet(QString("color:%1; font-size:18px; font-weight:700;").arg(color)); cl->addWidget(val_label); grid->addWidget(card, r, c); }; add_card(0, 0, tr("YEARS TO RETIREMENT"), years_label_, years_card_label_, ui::colors::CYAN); add_card(0, 1, tr("TARGET NEST EGG"), target_label_, target_card_label_, ui::colors::WARNING); add_card(1, 0, tr("PROJECTED VALUE"), projected_label_, projected_card_label_, ui::colors::POSITIVE); add_card(1, 1, tr("SURPLUS / GAP"), gap_label_, gap_card_label_, ui::colors::TEXT_PRIMARY); res_layout->addLayout(grid); // Monte Carlo outcome (probability + percentile band). retire_mc_label_ = new QLabel; retire_mc_label_->setWordWrap(true); retire_mc_label_->setStyleSheet( QString("color:%1; font-size:11px; padding:8px 12px 0 12px; background:transparent;") .arg(ui::colors::TEXT_PRIMARY())); res_layout->addWidget(retire_mc_label_); // Drawdown/VaR stress line (real metrics). retire_stress_label_ = new QLabel; retire_stress_label_->setWordWrap(true); retire_stress_label_->setStyleSheet( QString("color:%1; font-size:11px; padding:2px 12px 0 12px; background:transparent;") .arg(ui::colors::NEGATIVE())); res_layout->addWidget(retire_stress_label_); status_label_ = new QLabel; status_label_->setWordWrap(true); status_label_->setStyleSheet(QString("color:%1; font-size:12px; padding:12px;").arg(ui::colors::TEXT_SECONDARY())); res_layout->addWidget(status_label_); // Cross-link: optimize the portfolio for the return this plan needs. retire_optimize_btn_ = new QPushButton(tr("⚙ OPTIMIZE PORTFOLIO FOR THIS GOAL")); retire_optimize_btn_->setCursor(Qt::PointingHandCursor); retire_optimize_btn_->setFixedHeight(28); retire_optimize_btn_->setStyleSheet( QString("QPushButton { background:transparent; color:%1; border:1px solid %1; font-size:10px;" " font-weight:700; letter-spacing:1px; } QPushButton:hover { background:%2; color:#000; }") .arg(ui::colors::CYAN(), ui::colors::CYAN())); connect(retire_optimize_btn_, &QPushButton::clicked, this, [this]() { // Annualised return the plan needs to exactly hit the target; hand it to // the Optimization tab so the user can build a portfolio that targets it. const double years = retire_age_->value() - current_age_->value(); const double target = (withdrawal_rate_->value() > 1e-6) ? (annual_expense_->value() / (withdrawal_rate_->value() / 100.0)) : annual_expense_->value() * 25.0; const double pv = summary_.total_market_value; const double contrib = monthly_contrib_->value() * 12.0; // Solve required real return r s.t. FV(pv, contrib, years, r) = target (bisection). double lo = -0.10, hi = 0.40, req = 0.08; for (int it = 0; it < 60; ++it) { req = 0.5 * (lo + hi); double bal = pv; for (int y = 0; y < static_cast(years); ++y) bal = bal * (1.0 + req) + contrib; (bal < target ? lo : hi) = req; } emit optimize_for_return(std::max(0.0, req)); }); res_layout->addWidget(retire_optimize_btn_); res_layout->addStretch(); layout->addWidget(results, 1); return w; } QWidget* PlanningView::build_goals_tab() { auto* w = new QWidget(this); auto* layout = new QHBoxLayout(w); layout->setContentsMargins(16, 12, 16, 12); layout->setSpacing(24); auto style_spin = [](QDoubleSpinBox* sb) { sb->setFixedHeight(26); sb->setStyleSheet( QString("QDoubleSpinBox { background:%1; color:%2; border:1px solid %3;" " padding:0 8px; font-size:11px; }" "QDoubleSpinBox:focus { border-color:%4; }") .arg(ui::colors::BG_BASE(), ui::colors::TEXT_PRIMARY(), ui::colors::BORDER_DIM(), ui::colors::AMBER())); }; const QString label_style = QString("color:%1; font-size:10px;").arg(ui::colors::TEXT_SECONDARY()); // ── Left: inputs ────────────────────────────────────────────────────────── auto* input_panel = new QWidget(this); input_panel->setFixedWidth(320); input_panel->setStyleSheet( QString("background:%1; border:1px solid %2;").arg(ui::colors::BG_RAISED(), ui::colors::BORDER_DIM())); auto* input_layout = new QVBoxLayout(input_panel); input_layout->setContentsMargins(16, 12, 16, 12); input_layout->setSpacing(8); goals_title_ = new QLabel(tr("GOAL-BASED PLANNING")); goals_title_->setStyleSheet( QString("color:%1; font-size:11px; font-weight:700; letter-spacing:1px;").arg(ui::colors::AMBER())); input_layout->addWidget(goals_title_); auto* form = new QFormLayout; form->setSpacing(8); form->setLabelAlignment(Qt::AlignRight); goal_name_ = new QLineEdit(tr("House Down Payment")); goal_name_->setFixedHeight(26); goal_name_->setStyleSheet( QString("QLineEdit { background:%1; color:%2; border:1px solid %3; padding:0 8px; font-size:11px; }" "QLineEdit:focus { border-color:%4; }") .arg(ui::colors::BG_BASE(), ui::colors::TEXT_PRIMARY(), ui::colors::BORDER_DIM(), ui::colors::AMBER())); l_goal_name_ = new QLabel(tr("Goal:")); l_goal_name_->setStyleSheet(label_style); form->addRow(l_goal_name_, goal_name_); goal_target_ = new QDoubleSpinBox; goal_target_->setRange(0, 1000000000); goal_target_->setValue(100000); goal_target_->setPrefix("$ "); goal_target_->setDecimals(0); style_spin(goal_target_); l_goal_target_ = new QLabel(tr("Target Amount:")); l_goal_target_->setStyleSheet(label_style); form->addRow(l_goal_target_, goal_target_); goal_years_ = new QDoubleSpinBox; goal_years_->setRange(1, 60); goal_years_->setValue(5); goal_years_->setDecimals(0); style_spin(goal_years_); l_goal_years_ = new QLabel(tr("Years to Goal:")); l_goal_years_->setStyleSheet(label_style); form->addRow(l_goal_years_, goal_years_); goal_return_ = new QDoubleSpinBox; goal_return_->setRange(0, 30); goal_return_->setValue(6); goal_return_->setSuffix(" %"); goal_return_->setDecimals(1); style_spin(goal_return_); l_goal_return_ = new QLabel(tr("Exp. Return:")); l_goal_return_->setStyleSheet(label_style); form->addRow(l_goal_return_, goal_return_); goal_monthly_ = new QDoubleSpinBox; goal_monthly_->setRange(0, 1000000); goal_monthly_->setValue(1000); goal_monthly_->setPrefix("$ "); goal_monthly_->setDecimals(0); style_spin(goal_monthly_); l_goal_monthly_ = new QLabel(tr("Monthly Saving:")); l_goal_monthly_->setStyleSheet(label_style); form->addRow(l_goal_monthly_, goal_monthly_); goal_alloc_pct_ = new QDoubleSpinBox; goal_alloc_pct_->setRange(0, 100); goal_alloc_pct_->setValue(0); goal_alloc_pct_->setSuffix(" %"); goal_alloc_pct_->setDecimals(0); style_spin(goal_alloc_pct_); l_goal_alloc_ = new QLabel(tr("% Portfolio Allocated:")); l_goal_alloc_->setStyleSheet(label_style); form->addRow(l_goal_alloc_, goal_alloc_pct_); input_layout->addLayout(form); goals_calc_btn_ = new QPushButton(tr("ADD / UPDATE GOAL")); goals_calc_btn_->setFixedHeight(28); goals_calc_btn_->setCursor(Qt::PointingHandCursor); goals_calc_btn_->setStyleSheet( QString("QPushButton { background:%1; color:#000; border:none; font-size:10px; font-weight:700; }" "QPushButton:hover { background:%2; }") .arg(ui::colors::AMBER(), ui::colors::WARNING())); connect(goals_calc_btn_, &QPushButton::clicked, this, [this]() { recalculate_goals(); // refresh the projection cards for the typed goal add_or_update_goal(); // and persist it into the saved list }); input_layout->addWidget(goals_calc_btn_); input_layout->addStretch(); layout->addWidget(input_panel); // ── Right: results ────────────────────────────────────────────────────────── auto* results = new QWidget(this); auto* res_layout = new QVBoxLayout(results); res_layout->setContentsMargins(0, 0, 0, 0); res_layout->setSpacing(12); goals_res_title_ = new QLabel(tr("GOAL PROJECTION")); goals_res_title_->setStyleSheet( QString("color:%1; font-size:12px; font-weight:700; letter-spacing:1px;").arg(ui::colors::AMBER())); res_layout->addWidget(goals_res_title_); auto* grid = new QGridLayout; grid->setSpacing(8); auto add_card = [&](int r, int c, const QString& label, QLabel*& val_label, QLabel*& title_label, const char* color) { auto* card = new QWidget(this); card->setStyleSheet( QString("background:%1; border:1px solid %2;").arg(ui::colors::BG_RAISED(), ui::colors::BORDER_DIM())); auto* cl = new QVBoxLayout(card); cl->setContentsMargins(12, 8, 12, 8); cl->setSpacing(2); title_label = new QLabel(label); title_label->setStyleSheet(QString("color:%1; font-size:8px; font-weight:700; letter-spacing:0.5px;") .arg(ui::colors::TEXT_TERTIARY())); cl->addWidget(title_label); val_label = new QLabel("--"); val_label->setStyleSheet(QString("color:%1; font-size:18px; font-weight:700;").arg(color)); cl->addWidget(val_label); grid->addWidget(card, r, c); }; add_card(0, 0, tr("TARGET AMOUNT"), goal_target_value_label_, goal_target_card_label_, ui::colors::WARNING); add_card(0, 1, tr("PROJECTED VALUE"), goal_projected_label_, goal_projected_card_label_, ui::colors::POSITIVE); add_card(1, 0, tr("REQUIRED MONTHLY"), goal_required_label_, goal_required_card_label_, ui::colors::CYAN); add_card(1, 1, tr("PROGRESS"), goal_progress_label_, goal_progress_card_label_, ui::colors::TEXT_PRIMARY); res_layout->addLayout(grid); goal_mc_label_ = new QLabel; goal_mc_label_->setWordWrap(true); goal_mc_label_->setTextFormat(Qt::RichText); goal_mc_label_->setStyleSheet(QString("color:%1; font-size:11px; padding:0 12px;").arg(ui::colors::TEXT_PRIMARY())); res_layout->addWidget(goal_mc_label_); goal_status_label_ = new QLabel; goal_status_label_->setWordWrap(true); goal_status_label_->setStyleSheet( QString("color:%1; font-size:12px; padding:12px;").arg(ui::colors::TEXT_SECONDARY())); res_layout->addWidget(goal_status_label_); // ── Saved goals list (per-portfolio, with funding %) ───────────────────── auto* saved_title = new QLabel(tr("SAVED GOALS")); saved_title->setStyleSheet( QString("color:%1; font-size:10px; font-weight:700; letter-spacing:1px; padding:0 0 0 12px;") .arg(ui::colors::TEXT_TERTIARY())); res_layout->addWidget(saved_title); goals_list_ = new QTableWidget; goals_list_->setColumnCount(4); goals_list_->setHorizontalHeaderLabels({tr("GOAL"), tr("TARGET"), tr("FUNDED NOW"), tr("ON TRACK")}); goals_list_->horizontalHeader()->setSectionResizeMode(QHeaderView::Stretch); goals_list_->verticalHeader()->setVisible(false); goals_list_->setEditTriggers(QAbstractItemView::NoEditTriggers); goals_list_->setSelectionBehavior(QAbstractItemView::SelectRows); goals_list_->setSelectionMode(QAbstractItemView::SingleSelection); goals_list_->setStyleSheet( QString("QTableWidget { background:%1; color:%2; border:1px solid %3; gridline-color:%3; font-size:11px; }" "QHeaderView::section { background:%4; color:%5; border:0; padding:5px; font-size:9px;" " font-weight:700; letter-spacing:0.5px; }") .arg(ui::colors::BG_BASE(), ui::colors::TEXT_PRIMARY(), ui::colors::BORDER_DIM(), ui::colors::BG_SURFACE(), ui::colors::TEXT_SECONDARY())); // Clicking a saved goal loads it back into the editor. connect(goals_list_, &QTableWidget::cellClicked, this, [this](int row, int) { if (row < 0 || row >= goals_.size()) return; const Goal& g = goals_[row]; if (goal_name_) goal_name_->setText(g.name); if (goal_target_) goal_target_->setValue(g.target); if (goal_years_) goal_years_->setValue(g.years); if (goal_monthly_) goal_monthly_->setValue(g.monthly); if (goal_alloc_pct_) goal_alloc_pct_->setValue(g.alloc_pct); recalculate_goals(); }); res_layout->addWidget(goals_list_, 1); goal_remove_btn_ = new QPushButton(tr("REMOVE SELECTED GOAL")); goal_remove_btn_->setFixedHeight(24); goal_remove_btn_->setCursor(Qt::PointingHandCursor); goal_remove_btn_->setStyleSheet( QString("QPushButton { background:transparent; color:%1; border:1px solid %2; font-size:9px;" " font-weight:700; } QPushButton:hover { color:%3; border-color:%3; }") .arg(ui::colors::TEXT_TERTIARY(), ui::colors::BORDER_DIM(), ui::colors::NEGATIVE())); connect(goal_remove_btn_, &QPushButton::clicked, this, &PlanningView::remove_selected_goal); res_layout->addWidget(goal_remove_btn_); layout->addWidget(results, 1); return w; } QWidget* PlanningView::build_savings_tab() { auto* w = new QWidget(this); auto* layout = new QHBoxLayout(w); layout->setContentsMargins(16, 12, 16, 12); layout->setSpacing(24); auto style_spin = [](QDoubleSpinBox* sb) { sb->setFixedHeight(26); sb->setStyleSheet( QString("QDoubleSpinBox { background:%1; color:%2; border:1px solid %3;" " padding:0 8px; font-size:11px; }" "QDoubleSpinBox:focus { border-color:%4; }") .arg(ui::colors::BG_BASE(), ui::colors::TEXT_PRIMARY(), ui::colors::BORDER_DIM(), ui::colors::AMBER())); }; const QString label_style = QString("color:%1; font-size:10px;").arg(ui::colors::TEXT_SECONDARY()); // ── Left: inputs ────────────────────────────────────────────────────────── auto* input_panel = new QWidget(this); input_panel->setFixedWidth(320); input_panel->setStyleSheet( QString("background:%1; border:1px solid %2;").arg(ui::colors::BG_RAISED(), ui::colors::BORDER_DIM())); auto* input_layout = new QVBoxLayout(input_panel); input_layout->setContentsMargins(16, 12, 16, 12); input_layout->setSpacing(8); savings_title_ = new QLabel(tr("SAVINGS RATE ANALYSIS")); savings_title_->setStyleSheet( QString("color:%1; font-size:11px; font-weight:700; letter-spacing:1px;").arg(ui::colors::AMBER())); input_layout->addWidget(savings_title_); savings_desc_ = new QLabel(tr("Projects wealth accumulation across a range of savings rates, " "starting from your current portfolio value.")); savings_desc_->setWordWrap(true); savings_desc_->setStyleSheet(QString("color:%1; font-size:10px;").arg(ui::colors::TEXT_TERTIARY())); input_layout->addWidget(savings_desc_); sav_assump_note_ = new QLabel; sav_assump_note_->setWordWrap(true); sav_assump_note_->setStyleSheet(QString("color:%1; font-size:9px; padding:2px 0;").arg(ui::colors::CYAN())); input_layout->addWidget(sav_assump_note_); auto* form = new QFormLayout; form->setSpacing(8); form->setLabelAlignment(Qt::AlignRight); sav_income_ = new QDoubleSpinBox; sav_income_->setRange(0, 100000000); sav_income_->setValue(120000); sav_income_->setPrefix("$ "); sav_income_->setDecimals(0); style_spin(sav_income_); l_sav_income_ = new QLabel(tr("Annual Income:")); l_sav_income_->setStyleSheet(label_style); form->addRow(l_sav_income_, sav_income_); sav_rate_ = new QDoubleSpinBox; sav_rate_->setRange(0, 90); sav_rate_->setValue(20); sav_rate_->setSuffix(" %"); sav_rate_->setDecimals(0); style_spin(sav_rate_); l_sav_rate_ = new QLabel(tr("Savings Rate:")); l_sav_rate_->setStyleSheet(label_style); form->addRow(l_sav_rate_, sav_rate_); sav_return_ = new QDoubleSpinBox; sav_return_->setRange(0, 30); sav_return_->setValue(7); sav_return_->setSuffix(" %"); sav_return_->setDecimals(1); style_spin(sav_return_); l_sav_return_ = new QLabel(tr("Exp. Return:")); l_sav_return_->setStyleSheet(label_style); form->addRow(l_sav_return_, sav_return_); sav_years_ = new QDoubleSpinBox; sav_years_->setRange(1, 60); sav_years_->setValue(20); sav_years_->setDecimals(0); style_spin(sav_years_); l_sav_years_ = new QLabel(tr("Years:")); l_sav_years_->setStyleSheet(label_style); form->addRow(l_sav_years_, sav_years_); input_layout->addLayout(form); savings_calc_btn_ = new QPushButton(tr("CALCULATE")); savings_calc_btn_->setFixedHeight(28); savings_calc_btn_->setCursor(Qt::PointingHandCursor); savings_calc_btn_->setStyleSheet( QString("QPushButton { background:%1; color:#000; border:none; font-size:10px; font-weight:700; }" "QPushButton:hover { background:%2; }") .arg(ui::colors::AMBER(), ui::colors::WARNING())); connect(savings_calc_btn_, &QPushButton::clicked, this, &PlanningView::recalculate_savings); input_layout->addWidget(savings_calc_btn_); input_layout->addStretch(); layout->addWidget(input_panel); // ── Right: comparison table ───────────────────────────────────────────────── auto* results = new QWidget(this); auto* res_layout = new QVBoxLayout(results); res_layout->setContentsMargins(0, 0, 0, 0); res_layout->setSpacing(12); savings_res_title_ = new QLabel(tr("WEALTH BY SAVINGS RATE")); savings_res_title_->setStyleSheet( QString("color:%1; font-size:12px; font-weight:700; letter-spacing:1px;").arg(ui::colors::AMBER())); res_layout->addWidget(savings_res_title_); savings_table_ = new QTableWidget; savings_table_->setColumnCount(4); savings_table_->setHorizontalHeaderLabels( {tr("SAVINGS RATE"), tr("ANNUAL SAVED"), tr("PROJECTED WEALTH"), tr("VS CURRENT RATE")}); savings_table_->horizontalHeader()->setSectionResizeMode(QHeaderView::Stretch); savings_table_->verticalHeader()->setVisible(false); savings_table_->setEditTriggers(QAbstractItemView::NoEditTriggers); savings_table_->setSelectionMode(QAbstractItemView::NoSelection); savings_table_->setStyleSheet( QString("QTableWidget { background:%1; color:%2; border:1px solid %3; gridline-color:%3; font-size:11px; }" "QHeaderView::section { background:%4; color:%5; border:0; padding:6px; font-size:9px;" " font-weight:700; letter-spacing:0.5px; }") .arg(ui::colors::BG_BASE(), ui::colors::TEXT_PRIMARY(), ui::colors::BORDER_DIM(), ui::colors::BG_SURFACE(), ui::colors::TEXT_SECONDARY())); res_layout->addWidget(savings_table_, 1); savings_status_label_ = new QLabel; savings_status_label_->setWordWrap(true); savings_status_label_->setStyleSheet( QString("color:%1; font-size:12px; padding:8px;").arg(ui::colors::TEXT_SECONDARY())); res_layout->addWidget(savings_status_label_); layout->addWidget(results, 1); return w; } void PlanningView::recalculate_goals() { if (!goal_target_) return; const double target = goal_target_->value(); const int years = static_cast(goal_years_->value()); const double ret = goal_return_->value() / 100.0; const double monthly = goal_monthly_->value(); const double alloc_pct = goal_alloc_pct_->value() / 100.0; // Starting capital = the slice of the current portfolio earmarked for this goal. const double start_capital = summary_.total_market_value * alloc_pct; const double monthly_rate = ret / 12.0; const int months = years * 12; const double growth = std::pow(1.0 + monthly_rate, months); const double fv_start = start_capital * growth; const double annuity_factor = (monthly_rate > 1e-9) ? ((growth - 1.0) / monthly_rate) : months; const double fv_contrib = monthly * annuity_factor; const double projected = fv_start + fv_contrib; // Required monthly contribution to exactly hit the target from start_capital. const double remaining = std::max(0.0, target - fv_start); const double required_monthly = (annuity_factor > 1e-9) ? (remaining / annuity_factor) : 0.0; const double progress = (target > 1e-6) ? (projected / target * 100.0) : 0.0; goal_target_value_label_->setText(QString("%1 %2").arg(currency_, QString::number(target, 'f', 0))); goal_projected_label_->setText(QString("%1 %2").arg(currency_, QString::number(projected, 'f', 0))); goal_required_label_->setText(QString("%1 %2").arg(currency_, QString::number(required_monthly, 'f', 0))); goal_progress_label_->setText(QString("%1%").arg(QString::number(std::min(progress, 999.0), 'f', 0))); const bool on_track = projected >= target; const char* col = on_track ? ui::colors::POSITIVE : ui::colors::WARNING; goal_progress_label_->setStyleSheet(QString("color:%1; font-size:18px; font-weight:700;").arg(col)); const QString name = goal_name_->text().trimmed().isEmpty() ? tr("this goal") : goal_name_->text().trimmed(); if (on_track) { goal_status_label_->setText(tr("✓ On track for %1. Saving %2 %3/month reaches %2 %4 in %5 years — " "%6% of the %2 %7 target.") .arg(name) .arg(currency_) .arg(QString::number(monthly, 'f', 0)) .arg(QString::number(projected, 'f', 0)) .arg(years) .arg(QString::number(progress, 'f', 0)) .arg(QString::number(target, 'f', 0))); goal_status_label_->setStyleSheet( QString("color:%1; font-size:12px; padding:12px;").arg(ui::colors::POSITIVE())); } else { goal_status_label_->setText(tr("⚠ Short of %1. At %2 %3/month you reach %2 %4 (%5%). " "Save %2 %6/month to hit the %2 %7 target in %8 years.") .arg(name) .arg(currency_) .arg(QString::number(monthly, 'f', 0)) .arg(QString::number(projected, 'f', 0)) .arg(QString::number(progress, 'f', 0)) .arg(QString::number(required_monthly, 'f', 0)) .arg(QString::number(target, 'f', 0)) .arg(years)); goal_status_label_->setStyleSheet( QString("color:%1; font-size:12px; padding:12px;").arg(ui::colors::WARNING())); } // Monte Carlo probability of hitting this goal, calibrated to portfolio vol. if (goal_mc_label_) { const double vol = have_history_ ? hist_vol_ : 0.15; const McResult mc = monte_carlo(start_capital, monthly, years, ret, vol, target); if (mc.valid) { const char* pc = mc.success_prob >= 0.75 ? ui::colors::POSITIVE : mc.success_prob >= 0.5 ? ui::colors::WARNING : ui::colors::NEGATIVE; // NOTE: QString::arg() has no "%%" escape (that is printf/asprintf). // "%2%%" rendered a literal double percent sign — use "%2%". goal_mc_label_->setText(tr("Monte Carlo: %2% chance of reaching " "%3 %4 — likely %3 %5 – %3 %6.") .arg(pc) .arg(QString::number(mc.success_prob * 100, 'f', 0)) .arg(currency_) .arg(QString::number(target, 'f', 0)) .arg(QString::number(mc.p5, 'f', 0)) .arg(QString::number(mc.p95, 'f', 0))); } } // Keep the saved-goals funding column in sync with the current return input. refresh_goals_list(); } void PlanningView::recalculate_savings() { if (!savings_table_) return; const double income = sav_income_->value(); const double base_rate = sav_rate_->value(); const double ret = sav_return_->value() / 100.0; const int years = static_cast(sav_years_->value()); const double start_capital = summary_.total_market_value; // Compare the user's rate against a band of nearby rates. QVector rates; for (double delta : {-10.0, -5.0, 0.0, 5.0, 10.0}) { const double r = base_rate + delta; if (r >= 0.0 && r <= 100.0) rates.append(r); } std::sort(rates.begin(), rates.end()); rates.erase(std::unique(rates.begin(), rates.end()), rates.end()); auto project = [&](double rate_pct) { const double annual_saved = income * rate_pct / 100.0; const double growth = std::pow(1.0 + ret, years); const double fv_start = start_capital * growth; const double fv_saved = (ret > 1e-9) ? annual_saved * ((growth - 1.0) / ret) : annual_saved * years; return std::make_pair(annual_saved, fv_start + fv_saved); }; const double base_wealth = project(base_rate).second; savings_table_->setRowCount(rates.size()); for (int i = 0; i < rates.size(); ++i) { const double rate = rates[i]; const auto [annual_saved, wealth] = project(rate); const bool is_base = std::abs(rate - base_rate) < 0.01; const double diff = wealth - base_wealth; auto make_item = [&](const QString& text, const char* color = nullptr) { auto* it = new QTableWidgetItem(text); it->setTextAlignment(Qt::AlignCenter); if (color) it->setForeground(QColor(QString(color))); if (is_base) it->setBackground(QColor(ui::colors::BG_SURFACE())); return it; }; savings_table_->setItem( i, 0, make_item(QString("%1%%2").arg(QString::number(rate, 'f', 0), is_base ? tr(" (current)") : QString()))); savings_table_->setItem(i, 1, make_item(QString("%1 %2").arg(currency_, QString::number(annual_saved, 'f', 0)))); savings_table_->setItem(i, 2, make_item(QString("%1 %2").arg(currency_, QString::number(wealth, 'f', 0)))); const char* dcol = diff > 0 ? ui::colors::POSITIVE : diff < 0 ? ui::colors::NEGATIVE : ui::colors::TEXT_TERTIARY(); savings_table_->setItem(i, 3, make_item(is_base ? QStringLiteral("—") : QString("%1%2 %3").arg(diff >= 0 ? "+" : "-", currency_, QString::number(std::abs(diff), 'f', 0)), dcol)); } const auto [base_annual, base_proj] = project(base_rate); savings_status_label_->setText(tr("At a %1% savings rate you set aside %2 %3/year and project %2 %4 " "after %5 years (%6% annual return, starting from %2 %7).") .arg(QString::number(base_rate, 'f', 0)) .arg(currency_) .arg(QString::number(base_annual, 'f', 0)) .arg(QString::number(base_proj, 'f', 0)) .arg(years) .arg(QString::number(sav_return_->value(), 'f', 1)) .arg(QString::number(start_capital, 'f', 0))); } void PlanningView::set_data(const portfolio::PortfolioSummary& summary, const QString& currency) { summary_ = summary; currency_ = currency; has_data_ = true; // Money inputs must reflect the portfolio's own currency, not a hardcoded // "$". Result labels in this view already use currency_ (e.g. "INR 60000"), // so prefix the spin boxes with the same currency code to stay consistent. const QString prefix = (currency_.isEmpty() ? QStringLiteral("USD") : currency_) + " "; for (QDoubleSpinBox* sb : {annual_expense_, monthly_contrib_, goal_target_, goal_monthly_, sav_income_}) { if (sb) sb->setPrefix(prefix); } load_goals(); recalculate(); recalculate_goals(); recalculate_savings(); } void PlanningView::set_snapshots(const QVector& snapshots) { snapshots_ = snapshots; recompute_assumptions(); if (has_data_) { recalculate(); recalculate_goals(); recalculate_savings(); } } void PlanningView::set_metrics(const portfolio::ComputedMetrics& metrics) { metrics_ = metrics; if (has_data_) { recalculate(); recalculate_goals(); } } void PlanningView::recompute_assumptions() { have_history_ = false; hist_cagr_ = 0.0; hist_vol_ = 0.0; auto snaps = snapshots_; std::sort(snaps.begin(), snaps.end(), [](const auto& a, const auto& b) { return a.snapshot_date < b.snapshot_date; }); QVector rets; for (int i = 1; i < snaps.size(); ++i) { const double p = snaps[i - 1].total_value; const double c = snaps[i].total_value; if (p > 1.0) rets.append((c - p) / p); } if (rets.size() >= 20) { const int n = rets.size(); const double mean = std::accumulate(rets.begin(), rets.end(), 0.0) / n; double var = 0.0; for (double r : rets) var += (r - mean) * (r - mean); const double daily_vol = std::sqrt(var / (n - 1)); hist_cagr_ = std::pow(1.0 + mean, 252.0) - 1.0; // annualise daily mean hist_vol_ = daily_vol * std::sqrt(252.0); // Clamp to sane planning bounds (a 30-day sample can be extreme). hist_cagr_ = std::max(-0.5, std::min(0.35, hist_cagr_)); hist_vol_ = std::max(0.01, std::min(1.0, hist_vol_)); have_history_ = true; } const QString note = have_history_ ? tr("◉ Calibrated to your portfolio: %1% expected return, %2% volatility " "(from %3 days of history). Edit any field to override.") .arg(QString::number(hist_cagr_ * 100, 'f', 1)) .arg(QString::number(hist_vol_ * 100, 'f', 1)) .arg(rets.size()) : tr("○ Not enough portfolio history yet to calibrate — using your typed assumptions. " "Estimates improve as daily snapshots accumulate."); if (retire_assump_note_) retire_assump_note_->setText(note); if (sav_assump_note_) sav_assump_note_->setText(note); // Seed the return inputs from the real CAGR (user can still override). if (have_history_) { const double pct = hist_cagr_ * 100.0; if (expected_return_) expected_return_->setValue(pct); if (goal_return_) goal_return_->setValue(pct); if (sav_return_) sav_return_->setValue(pct); } } PlanningView::McResult PlanningView::monte_carlo(double start, double monthly, int years, double mean_annual, double vol_annual, double target) const { McResult r; if (years <= 0) return r; constexpr int kSims = 2000; std::mt19937 gen(12345u); // fixed seed → stable, reproducible projections std::normal_distribution nd(mean_annual, std::max(vol_annual, 1e-6)); const double annual_contrib = monthly * 12.0; QVector ends; ends.reserve(kSims); int success = 0; for (int s = 0; s < kSims; ++s) { double bal = start; for (int y = 0; y < years; ++y) { bal = bal * (1.0 + nd(gen)) + annual_contrib; if (bal < 0.0) bal = 0.0; } ends.append(bal); if (bal >= target) ++success; } std::sort(ends.begin(), ends.end()); auto pct = [&](double p) { return ends[std::clamp(static_cast(p * kSims), 0, kSims - 1)]; }; r.p5 = pct(0.05); r.p50 = pct(0.50); r.p95 = pct(0.95); r.success_prob = static_cast(success) / kSims; r.valid = true; return r; } // ── Goals persistence (per-portfolio) ───────────────────────────────────────── void PlanningView::load_goals() { goals_.clear(); const QString pid = summary_.portfolio.id; if (!pid.isEmpty()) { auto res = SettingsRepository::instance().get(QString("pi.goals.%1").arg(pid)); if (res.is_ok() && !res.value().isEmpty()) { const auto doc = QJsonDocument::fromJson(res.value().toUtf8()); for (const auto v : doc.array()) { const auto o = v.toObject(); Goal g; g.name = o["name"].toString(); g.target = o["target"].toDouble(); g.years = o["years"].toInt(); g.monthly = o["monthly"].toDouble(); g.alloc_pct = o["alloc"].toDouble(); goals_.append(g); } } } refresh_goals_list(); } void PlanningView::save_goals() { const QString pid = summary_.portfolio.id; if (pid.isEmpty()) return; QJsonArray arr; for (const auto& g : goals_) { QJsonObject o; o["name"] = g.name; o["target"] = g.target; o["years"] = g.years; o["monthly"] = g.monthly; o["alloc"] = g.alloc_pct; arr.append(o); } SettingsRepository::instance().set(QString("pi.goals.%1").arg(pid), QString::fromUtf8(QJsonDocument(arr).toJson(QJsonDocument::Compact)), "portfolio_insights"); } void PlanningView::refresh_goals_list() { if (!goals_list_) return; const double mean = (expected_return_ ? expected_return_->value() : 8.0) / 100.0; goals_list_->setRowCount(goals_.size()); for (int i = 0; i < goals_.size(); ++i) { const Goal& g = goals_[i]; const double start = summary_.total_market_value * g.alloc_pct / 100.0; const double growth = std::pow(1.0 + mean / 12.0, g.years * 12); const double annuity = (mean > 1e-9) ? ((growth - 1.0) / (mean / 12.0)) : g.years * 12; const double projected = start * growth + g.monthly * annuity; const double funded_now = (g.target > 1e-6) ? (start / g.target * 100.0) : 0.0; const double proj_pct = (g.target > 1e-6) ? (projected / g.target * 100.0) : 0.0; const bool on_track = projected >= g.target; auto item = [&](const QString& t, const char* color = nullptr, int align = Qt::AlignLeft) { auto* it = new QTableWidgetItem(t); it->setTextAlignment(static_cast(align) | Qt::AlignVCenter); if (color) it->setForeground(QColor(QString(color))); return it; }; goals_list_->setItem(i, 0, item(g.name.isEmpty() ? tr("(unnamed)") : g.name, ui::colors::TEXT_PRIMARY)); goals_list_->setItem(i, 1, item(QString("%1 %2").arg(currency_, QString::number(g.target, 'f', 0)), ui::colors::TEXT_SECONDARY, Qt::AlignRight)); goals_list_->setItem( i, 2, item(QString("%1%").arg(QString::number(funded_now, 'f', 0)), ui::colors::CYAN, Qt::AlignRight)); goals_list_->setItem(i, 3, item(QString("%1%").arg(QString::number(std::min(proj_pct, 999.0), 'f', 0)), on_track ? ui::colors::POSITIVE : ui::colors::WARNING, Qt::AlignRight)); } } void PlanningView::add_or_update_goal() { if (!goal_name_) return; Goal g; g.name = goal_name_->text().trimmed(); g.target = goal_target_ ? goal_target_->value() : 0; g.years = goal_years_ ? static_cast(goal_years_->value()) : 0; g.monthly = goal_monthly_ ? goal_monthly_->value() : 0; g.alloc_pct = goal_alloc_pct_ ? goal_alloc_pct_->value() : 0; if (g.name.isEmpty() || g.target <= 0) return; // Update existing goal with the same name, else append. bool updated = false; for (auto& existing : goals_) { if (existing.name.compare(g.name, Qt::CaseInsensitive) == 0) { existing = g; updated = true; break; } } if (!updated) goals_.append(g); save_goals(); refresh_goals_list(); recalculate_goals(); } void PlanningView::remove_selected_goal() { if (!goals_list_) return; const int row = goals_list_->currentRow(); if (row < 0 || row >= goals_.size()) return; // Goals are persisted immediately and there is no undo — confirm first. const QString name = goals_[row].name.isEmpty() ? tr("(unnamed)") : goals_[row].name; const auto answer = QMessageBox::question(this, tr("Remove Goal"), tr("Remove the goal \"%1\"? This cannot be undone.").arg(name), QMessageBox::Yes | QMessageBox::No, QMessageBox::No); if (answer != QMessageBox::Yes) return; goals_.removeAt(row); save_goals(); refresh_goals_list(); recalculate_goals(); } void PlanningView::changeEvent(QEvent* event) { if (event->type() == QEvent::LanguageChange) retranslateUi(); QWidget::changeEvent(event); } void PlanningView::retranslateUi() { if (tabs_) { if (retirement_tab_index_ >= 0) tabs_->setTabText(retirement_tab_index_, tr("RETIREMENT")); if (goals_tab_index_ >= 0) tabs_->setTabText(goals_tab_index_, tr("GOALS")); if (savings_tab_index_ >= 0) tabs_->setTabText(savings_tab_index_, tr("SAVINGS")); } if (input_title_) input_title_->setText(tr("RETIREMENT CALCULATOR")); if (l_current_age_) l_current_age_->setText(tr("Current Age:")); if (l_retire_age_) l_retire_age_->setText(tr("Retire Age:")); if (l_annual_expense_) l_annual_expense_->setText(tr("Annual Expense:")); if (l_monthly_contrib_) l_monthly_contrib_->setText(tr("Monthly Savings:")); if (l_expected_return_) l_expected_return_->setText(tr("Exp. Return:")); if (l_inflation_) l_inflation_->setText(tr("Inflation:")); if (l_withdrawal_rate_) l_withdrawal_rate_->setText(tr("Withdrawal Rate:")); if (calc_btn_) calc_btn_->setText(tr("CALCULATE")); if (res_title_) res_title_->setText(tr("PROJECTION RESULTS")); if (years_card_label_) years_card_label_->setText(tr("YEARS TO RETIREMENT")); if (target_card_label_) target_card_label_->setText(tr("TARGET NEST EGG")); if (projected_card_label_) projected_card_label_->setText(tr("PROJECTED VALUE")); if (gap_card_label_) gap_card_label_->setText(tr("SURPLUS / GAP")); if (goals_title_) goals_title_->setText(tr("GOAL-BASED PLANNING")); if (l_goal_name_) l_goal_name_->setText(tr("Goal:")); if (l_goal_target_) l_goal_target_->setText(tr("Target Amount:")); if (l_goal_years_) l_goal_years_->setText(tr("Years to Goal:")); if (l_goal_return_) l_goal_return_->setText(tr("Exp. Return:")); if (l_goal_monthly_) l_goal_monthly_->setText(tr("Monthly Saving:")); if (l_goal_alloc_) l_goal_alloc_->setText(tr("% Portfolio Allocated:")); if (goals_calc_btn_) goals_calc_btn_->setText(tr("CALCULATE")); if (goals_res_title_) goals_res_title_->setText(tr("GOAL PROJECTION")); if (goal_target_card_label_) goal_target_card_label_->setText(tr("TARGET AMOUNT")); if (goal_projected_card_label_) goal_projected_card_label_->setText(tr("PROJECTED VALUE")); if (goal_required_card_label_) goal_required_card_label_->setText(tr("REQUIRED MONTHLY")); if (goal_progress_card_label_) goal_progress_card_label_->setText(tr("PROGRESS")); if (savings_title_) savings_title_->setText(tr("SAVINGS RATE ANALYSIS")); if (savings_desc_) savings_desc_->setText(tr("Projects wealth accumulation across a range of savings rates, " "starting from your current portfolio value.")); if (l_sav_income_) l_sav_income_->setText(tr("Annual Income:")); if (l_sav_rate_) l_sav_rate_->setText(tr("Savings Rate:")); if (l_sav_return_) l_sav_return_->setText(tr("Exp. Return:")); if (l_sav_years_) l_sav_years_->setText(tr("Years:")); if (savings_calc_btn_) savings_calc_btn_->setText(tr("CALCULATE")); if (savings_res_title_) savings_res_title_->setText(tr("WEALTH BY SAVINGS RATE")); if (savings_table_) savings_table_->setHorizontalHeaderLabels( {tr("SAVINGS RATE"), tr("ANNUAL SAVED"), tr("PROJECTED WEALTH"), tr("VS CURRENT RATE")}); // re-run so status_label_ tr() strings pick up new locale if (has_data_) { recalculate(); recalculate_goals(); recalculate_savings(); } } void PlanningView::recalculate() { double current_value = summary_.total_market_value; double age = current_age_->value(); double retire = retire_age_->value(); double years = retire - age; double annual_exp = annual_expense_->value(); double monthly = monthly_contrib_->value(); double ret = expected_return_->value() / 100.0; double inf = inflation_->value() / 100.0; double real_ret = ret - inf; // Withdrawal rule target: corpus = annual_expense / withdrawal_rate double wr = withdrawal_rate_->value() / 100.0; double target = (wr > 1e-6) ? (annual_exp / wr) : annual_exp * 25.0; // Future value: current portfolio + monthly contributions // FV = PV * (1+r)^n + PMT * [((1+r)^n - 1) / r] double monthly_rate = real_ret / 12.0; int months = static_cast(years * 12); double fv_portfolio = current_value * std::pow(1.0 + monthly_rate, months); double fv_contrib = (monthly_rate > 0.0001) ? monthly * ((std::pow(1.0 + monthly_rate, months) - 1.0) / monthly_rate) : monthly * months; double projected = fv_portfolio + fv_contrib; double gap = projected - target; years_label_->setText(QString::number(years, 'f', 0)); target_label_->setText(QString("%1 %2").arg(currency_, QString::number(target, 'f', 0))); projected_label_->setText(QString("%1 %2").arg(currency_, QString::number(projected, 'f', 0))); const char* gap_color = gap >= 0 ? ui::colors::POSITIVE : ui::colors::NEGATIVE; gap_label_->setText( QString("%1%2 %3").arg(gap >= 0 ? "+" : "").arg(currency_).arg(QString::number(std::abs(gap), 'f', 0))); gap_label_->setStyleSheet(QString("color:%1; font-size:18px; font-weight:700;").arg(gap_color)); if (gap >= 0) { status_label_->setText(tr("\u2713 On track! Your projected retirement fund of %1 %2 " "exceeds your target of %1 %3 by %1 %4.") .arg(currency_) .arg(QString::number(projected, 'f', 0)) .arg(QString::number(target, 'f', 0)) .arg(QString::number(gap, 'f', 0))); status_label_->setStyleSheet(QString("color:%1; font-size:12px; padding:12px;").arg(ui::colors::POSITIVE())); } else { // Annuity factor. Guard both degenerate inputs: a zero real return // (expected return == inflation, a perfectly plausible entry) made the // divisor 0/0 and printed "nan"; a zero horizon (retire age == // current age) made it 0 as well. const double annuity_factor = (months <= 0) ? 0.0 : (std::abs(monthly_rate) > 1e-9) ? ((std::pow(1.0 + monthly_rate, months) - 1.0) / monthly_rate) : static_cast(months); const double needed_monthly = annuity_factor > 1e-9 ? (-gap) / annuity_factor : 0.0; status_label_->setText(tr("\u26A0 Shortfall of %1 %2. Consider increasing monthly savings " "by %1 %3 to close the gap.") .arg(currency_) .arg(QString::number(std::abs(gap), 'f', 0)) .arg(QString::number(needed_monthly, 'f', 0))); status_label_->setStyleSheet(QString("color:%1; font-size:12px; padding:12px;").arg(ui::colors::WARNING())); } // \u2500\u2500 Monte Carlo (probabilistic, calibrated to portfolio vol) // \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 if (retire_mc_label_) { const double vol = have_history_ ? hist_vol_ : 0.15; // default 15% if uncalibrated const McResult mc = monte_carlo(current_value, monthly, static_cast(years), real_ret, vol, target); if (mc.valid) { const char* pc = mc.success_prob >= 0.75 ? ui::colors::POSITIVE : mc.success_prob >= 0.5 ? ui::colors::WARNING : ui::colors::NEGATIVE; retire_mc_label_->setText( tr("Monte Carlo (2000 runs, %1% vol): %3% chance " "of reaching your target. Likely range %4 %5 \u2013 %6 %7 (median %4 %8).") .arg(QString::number(vol * 100, 'f', 0)) .arg(pc) .arg(QString::number(mc.success_prob * 100, 'f', 0)) .arg(currency_) .arg(QString::number(mc.p5, 'f', 0)) .arg(currency_) .arg(QString::number(mc.p95, 'f', 0)) .arg(QString::number(mc.p50, 'f', 0))); retire_mc_label_->setTextFormat(Qt::RichText); } } // \u2500\u2500 Drawdown stress (real metric) // \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 if (retire_stress_label_) { const double dd_pct = metrics_.max_drawdown ? std::abs(*metrics_.max_drawdown) : 30.0; const double shocked = projected * (1.0 - dd_pct / 100.0); const double shocked_funded = (target > 1e-6) ? (shocked / target * 100.0) : 0.0; retire_stress_label_->setText( tr("Stress: a %1% drawdown (your historical max) near retirement would cut the projection to " "%2 %3 \u2014 %4% of target.") .arg(QString::number(dd_pct, 'f', 0)) .arg(currency_) .arg(QString::number(shocked, 'f', 0)) .arg(QString::number(shocked_funded, 'f', 0))); } } } // namespace fincept::screens