RetirementPlanner

This project was generated using Angular CLI version 21.2.5.

Development server

To start a local development server, run:

ng serve

Once the server is running, open your browser and navigate to http://localhost:4200/. The application will automatically reload whenever you modify any of the source files.

Code scaffolding

Angular CLI includes powerful code scaffolding tools. To generate a new component, run:

ng generate component component-name

For a complete list of available schematics (such as components, directives, or pipes), run:

ng generate --help

Building

To build the project run:

# Angular Pension Retirement Forecast Tool

Standalone Angular application (v20+) for projecting retirement outcomes for "Me" and an optional partner across DC pensions, partner DB pensions, and ISAs.

## Setup

```bash
npm install

Run

ng serve

Open http://localhost:4200.

Build

ng build

Key Features

• Standalone Angular architecture with signals and inject()
• Angular Material stepper workflow: Personal, Portfolio, Projection Settings, Drawdown Plan, Results
• Reactive forms for all inputs with validation
• Forecast engine in-browser (no backend)
• ECharts stacked area visualization via ngx-echarts
• Year-by-year forecast table with exhaustion highlighting
• Auto-recalculate on input change (500ms debounce) and manual recalculate button
• JSON export/import of input state

Calculation Model Summary

• Projects from current age to age 100 (Me), year by year
• Pre-retirement: applies annual contributions and net growth (returnRate - charges)
• Retirement event handling:
  • DC pots apply tax-free cash percentage (with optional simplified HMRC cap)
  • Partner DB annual pension starts at partner retirement
  • Partner DB lump sum is moved into a cash ISA pot
• Post-retirement:
  • Drawdown schedule is linearly interpolated by age
  • Drawdown requirement is inflation-adjusted from today's money
  • Guaranteed income (DB + state pension) offsets drawdown need first
  • Any deficit is withdrawn from DC then ISA balances (largest first, or specific source)
  • Lump sums are applied at configured ages
• fundsExhausted is flagged once all DC/ISA balances are depleted
• Projection continues after exhaustion so DB/state income remains visible

Notes

• Values are projected in nominal money.
• Drawdown is shown gross and potentially taxable.
• This app does not perform personal tax calculations.