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only sell shares in the first year if its not in the same financial year, also show original buffer in comparing note

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Damien De Paoli
2025-03-20 17:23:48 +11:00
parent 762746a0c1
commit 9baa3b4987
4 changed files with 8 additions and 5 deletions
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1
README
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@@ -10,7 +10,6 @@ CONSIDER in real-world:
while the balance is > $250k it offsets individual bank risk while the balance is > $250k it offsets individual bank risk
* maybe buying shares in something like berkshire-hathaway, or vanguard ETFs? * maybe buying shares in something like berkshire-hathaway, or vanguard ETFs?
To run the code: To run the code:
cd ~/src/finplan cd ~/src/finplan

7
calc.py
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@@ -65,6 +65,7 @@ def calculate_savings_depletion(finance):
# convenience vars to make it easier to read conditional leave tax/payment logic below # convenience vars to make it easier to read conditional leave tax/payment logic below
D_has_quit = False D_has_quit = False
D_quit_year = 0
claim_tax_on_leave = False claim_tax_on_leave = False
new_fin_year_25 = datetime(2025, 7, 1) new_fin_year_25 = datetime(2025, 7, 1)
new_fin_year_26 = datetime(2026, 7, 1) new_fin_year_26 = datetime(2026, 7, 1)
@@ -134,6 +135,7 @@ def calculate_savings_depletion(finance):
if D_Num_fortnights_pay == 0 and D_leave_after_tax > 0: if D_Num_fortnights_pay == 0 and D_leave_after_tax > 0:
D_has_quit = True D_has_quit = True
D_quit_year = current_date.year
# okay, if we leave before Jun 30th 2024, then I pay full tax, otherwise I get 'extra', but have to await end of next fin year # okay, if we leave before Jun 30th 2024, then I pay full tax, otherwise I get 'extra', but have to await end of next fin year
if current_date > new_fin_year_25: if current_date > new_fin_year_25:
claim_tax_on_leave = True claim_tax_on_leave = True
@@ -227,8 +229,9 @@ def calculate_savings_depletion(finance):
D_CBA_shares += int( (2.25*D_CBA_shares/CBA_price) ) D_CBA_shares += int( (2.25*D_CBA_shares/CBA_price) )
# if selling shares, and its 1st of July... # if selling shares, and its 1st of July...
# BUT not if D quits so his leave payout comes in 2025 fin year, then don't sell shares at all as we will be over as already paying tax # BUT not if D quits before end of financial year - as I won't be able to sell CBA shares for no cap gains
if D_has_quit and Sell_shares>0 and current_date.month == 7 and current_date.day == 1: # so wait until the following year
if current_date.month == 7 and current_date.day == 1 and D_has_quit and Sell_shares>0 and (current_date.year > D_quit_year or current_date.year == D_quit_year and claim_tax_on_leave == False):
# 2024 Govt. value # 2024 Govt. value
tax_threshold = 18200 tax_threshold = 18200
# cap-gains is 50% of profit (lazy profit calc here, just assume its all profit) # cap-gains is 50% of profit (lazy profit calc here, just assume its all profit)

3
db.py
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@@ -96,7 +96,7 @@ def init_db():
cur.execute('''INSERT INTO finance (D_Salary, D_Num_fortnights_pay, School_Fees, Car_loan_via_pay, Car_loan, Car_balloon, Car_buyout, Living_Expenses, Savings, Interest_Rate, cur.execute('''INSERT INTO finance (D_Salary, D_Num_fortnights_pay, School_Fees, Car_loan_via_pay, Car_loan, Car_balloon, Car_buyout, Living_Expenses, Savings, Interest_Rate,
Inflation, Mich_present, Overseas_trip, Mark_reno, D_leave_owed_in_days, D_TLS_shares, M_TLS_shares, D_CBA_shares, TLS_price, CBA_price, Overseas_trip_date, Mark_reno_date, Car_buyout_date, Sell_shares, compare_to, Ioniq6_future) Inflation, Mich_present, Overseas_trip, Mark_reno, D_leave_owed_in_days, D_TLS_shares, M_TLS_shares, D_CBA_shares, TLS_price, CBA_price, Overseas_trip_date, Mark_reno_date, Car_buyout_date, Sell_shares, compare_to, Ioniq6_future)
VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)''', VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)''',
(4762.29, 10, 22000, 620, 2412, 45824.68, 83738.74, 84000, 421271.5, 5.0, 3.0, 10000, 30000, 10000, 94.66, 1000, 750, 1095, 3.9, 158.9, '2025-06-01', '2025-09-01', '2025-02-20', 5, 0, 0)) (4762.29, 8, 22000, 620, 2412, 45824.68, 83738.74, 84000, 427318.76, 4.75, 3.2, 10000, 30000, 10000, 94.66, 1000, 750, 1095, 4.12, 142.77, '2025-06-01', '2025-09-01', '2025-02-20', 5, 0, 0))
conn.commit() conn.commit()
conn.close() conn.close()
@@ -200,6 +200,7 @@ def get_comp_set_data(cset_id):
if not res: if not res:
return None return None
COMP['vars']= dict(res) COMP['vars']= dict(res)
COMP['buffer'] = COMP['vars']['CBA']*COMP['vars']['CBA_price']+COMP['vars']['TLS']*COMP['vars']['TLS_price']
conn.close() conn.close()
# open new connection so we get rows back as basic array # open new connection so we get rows back as basic array

2
templates/index.html
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@@ -141,7 +141,7 @@
</select> </select>
</div> </div>
{% if COMP %} {% if COMP %}
<div style="display:none" id="comp_alert" class="alert alert-info mt-2">Note: {{ '$%0.2f' % COMP['amount']|float }} is the final value of the compared to data. Hover over blue labels above to see what compared to values differed</div> <div style="display:none" id="comp_alert" class="alert alert-info mt-2">Note: {{ '$%0.2f' % COMP['amount']|float }} is the final value of the compared to data (with a buffer of: {{ '$%0.2f' % COMP['buffer']|float }}). Hover over blue labels above to see what compared to values differed</div>
{% endif %} {% endif %}
</div> </div>
</div> </div>