improved when I finish work vs bluring the 12 week payout and changed to using today() instead of now() as I dont need anything but dates

README

@@ -3,7 +3,6 @@ TODO:
 CONSIDER in code:
     * when we time the payment of GMHBA / HCF (and at what cadence) and include it in calcs better
         - it kicks in after pay stops, and could be paid monthly say, but it is higher than if we pay yearly (I think)
-    * could try to get smarter with +6 fortnights at end -> as it also ends in different car repayments for 6 fortnights
     * could make bills be paid quarterly rather than as 'daily' living expenses
         - also could be more painful with bill increases, they seem to go up more than CPI
 

calc.py

@@ -49,17 +49,22 @@ def calculate_savings_depletion(finance):
     # this is what I earn before-tax (and I *THINK* vehicle allowance won't be paid X 12 weeks)
     pre_tax_D_earning = 7830.42
 
+    # whenever I leave, I get 12 weeks (or 60 business days) + whatever leave they owe me
+    payout = ((60+D_leave_owed_in_days)/bus_days_in_fortnight) * pre_tax_D_earning
+
     # as the leave is just on top of my existing earnings and if in 2024 fin year, just take tax at 37% for the extra leave amount
-    D_leave_after_tax = (D_leave_owed_in_days/bus_days_in_fortnight) * pre_tax_D_earning * (1-0.37)
+    # hardcoded 6 represents the 12 weeks or 6 fornights of pay owed to me when I give notice or they sack me
+    D_leave_after_tax =  payout * (1-0.37)
 
     # However, if I quit in the next fin year - tax for 2025 will be: $4,288 plus 30c for each $1 over $45,000
     #   (assuming the 7830.42 * ~90/bus_days_in_fortnight = ~ $64k - > 45k and < $135k bracket is 30%)
     #   Given, I probably can't stop Deakin doing PAYG deductions, I won't get
     #   the tax back until the end of the financial year, so work out the
     #   amount of tax I will get back info: tax_diff_D_leave
-    tax_on_leave = (pre_tax_D_earning * (D_leave_owed_in_days/bus_days_in_fortnight) - 45000)*.3 + 4288
-    D_leave_after_tax_new_fin_year = pre_tax_D_earning * (D_leave_owed_in_days/bus_days_in_fortnight) - tax_on_leave
+    tax_on_leave = (payout - 45000)*.37 + 4288
+    D_leave_after_tax_new_fin_year = payout - tax_on_leave
     tax_diff_D_leave = D_leave_after_tax_new_fin_year-D_leave_after_tax
+    print( f"tax_diff_D_leave: {tax_diff_D_leave}") 
 
     ### leave / tax items finished ###
 
@@ -75,7 +80,7 @@ def calculate_savings_depletion(finance):
     daily_interest_rate = annual_interest_rate / 365
 
     # main loop range -- start from now, and simulate till D is 60 (April 2031)
-    current_date = datetime.now()
+    current_date = datetime.today()
     end_date = datetime(2031, 4, 15)
 
     # Calculate daily living expenses
@@ -139,11 +144,14 @@ def calculate_savings_depletion(finance):
                 # 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:
                     claim_tax_on_leave = True
+                    print(f"{current_date}: D has resigned in new year- get paid out my 12 weeks + remaining leave and lose some to tax - ${D_leave_after_tax_new_fin_year}" )
+                    current_savings += D_leave_after_tax_new_fin_year
+                    add_annotation(finance, current_date, current_savings, D_leave_after_tax_new_fin_year, "D quit" )
                 else:
                     claim_tax_on_leave = False
-                print(f"{current_date}: D has resigned - get paid out my 9 weeks leave and lose 45% to tax - ${D_leave_after_tax}" )
-                current_savings += D_leave_after_tax
-                add_annotation(finance, current_date, current_savings, D_leave_after_tax, "D quit" )
+                    print(f"{current_date}: D has resigned - get paid out my 12 weeks + remaining leave and lose some to tax - ${D_leave_after_tax}" )
+                    current_savings += D_leave_after_tax
+                    add_annotation(finance, current_date, current_savings, D_leave_after_tax, "D quit" )
                 D_leave_after_tax = 0
 
             # its end of 'next' fin year, if tax_diff > 0, then ddp quit after new tax year and gets back the overpaid tax

main.py

@@ -41,7 +41,7 @@ def index():
 
     # Row 2
     r=[]
-    r.append( FP_VAR( 'D # Fortnights pay', 'D_Num_fortnights_pay' ) )
+    r.append( FP_VAR( 'D # Pays to quit', 'D_Num_fortnights_pay' ) )
     r.append( FP_VAR( 'Interest Rate', 'Interest_Rate' ) )
     r.append( FP_VAR( 'Car Loan (monthly)', 'Car_loan', 'readonly' ) )
     r.append( FP_VAR( 'Inflation', 'Inflation' ) )