money scenarios: forecast horizon 1–100y (?horizon=), today’s-euro view, scaling gridlines, career paths with job hops and plateaus, crash cycles per portfolio, retirement at 68 with withdrawals, salary path table

src/lib/money-tracker/scenarios.test.ts

@@ -1,5 +1,12 @@
 import { describe, expect, it } from 'vitest';
-import { defaultScenarios, runScenario, scenarioInputs, type ScenarioParams } from './scenarios';
+import {
+	defaultScenarios,
+	marketReturns,
+	roleFor,
+	runScenario,
+	scenarioInputs,
+	type ScenarioParams
+} from './scenarios';
 
 const accounts = [
 	{ id: 1, name: 'Revolut', kind: 'checking' },
@@ -55,8 +62,11 @@ describe('runScenario', () => {
 	const flat: ScenarioParams = {
 		...defaultScenarios.realistic,
 		returnPercent: 0,
-		recoveryPercent: 0,
+		crashPercent: 0,
+		correctionPercent: 0,
 		cashRatePercent: 0,
+		inflationPercent: 0,
+		hopEveryYears: 0,
 		sideStartEuros: 0,
 		sideEndEuros: 0,
 		spendGrowthPercent: 0,
@@ -97,17 +107,60 @@ describe('runScenario', () => {
 		expect(pessimistic).toBeLessThan(realistic);
 		expect(realistic).toBeLessThan(optimistic);
 	});
-	it('applies a crash in its year and a job gap after the contract', () => {
-		const calm = runScenario(inputs, { ...flat, returnPercent: 5, recoveryPercent: 5 });
+	it('applies crashes and job gaps', () => {
+		const calm = runScenario(inputs, { ...flat, returnPercent: 5 });
 		const crash = runScenario(inputs, {
 			...flat,
 			returnPercent: 5,
-			recoveryPercent: 5,
 			crashPercent: -30,
-			crashYear: 2027
+			crashEveryYears: 10,
+			firstCrashYear: 2027
 		});
-		expect(crash.end.total).toBeLessThan(calm.end.total);
+		// The crash year itself ends lower; later years catch up to the same long-run average.
+		const at2027 = (result: typeof calm) => result.years.find((row) => row.year === 2027)!.total;
+		expect(at2027(crash)).toBeLessThan(at2027(calm));
 		const gap = runScenario(inputs, { ...flat, gapMonths: 3, gapNetEuros: 1000 });
 		expect(gap.end.total).toBeLessThan(runScenario(inputs, flat).end.total);
 	});
+	it('averages the crash cycle out at the expected return', () => {
+		const markets = marketReturns({
+			...flat,
+			returnPercent: 7,
+			crashPercent: -30,
+			crashEveryYears: 10,
+			firstCrashYear: 2029,
+			correctionPercent: -10
+		});
+		let growth = 1;
+		for (let year = 2029; year < 2039; year++) growth *= 1 + markets.yearReturn(year).rate;
+		expect(growth).toBeCloseTo(Math.pow(1.07, 10), 6);
+		expect(markets.yearReturn(2029).kind).toBe('crash');
+		expect(markets.yearReturn(2034).kind).toBe('correction');
+		expect(markets.yearReturn(2028).kind).toBe('normal');
+	});
+	it('hops jobs, caps the salary and retires at the chosen age', () => {
+		const long = { ...inputs, endDate: '2126-10-24' };
+		const result = runScenario(long, {
+			...flat,
+			firstHopYear: 2029,
+			hopEveryYears: 3,
+			hopRaisePercent: 20,
+			hopGapMonths: 4,
+			salaryCapEuros: 60000
+		});
+		expect(result.points).toHaveLength(1201);
+		const byYear = new Map(result.years.map((row) => [row.year, row]));
+		expect(byYear.get(2029)!.events).toEqual(['Between jobs (4 mo)']);
+		expect(byYear.get(2030)!.events).toEqual(['New job']);
+		// The gap runs into 2030, when the raise lands, then the plateau caps it.
+		expect(byYear.get(2030)!.grossMonthly).toBeCloseTo(500000, -1);
+		expect(byYear.get(2071)!.role).toBe('Retired');
+		expect(byYear.get(2071)!.events).toContain('Retire at 68');
+		expect(byYear.get(2070)!.age).toBe(67);
+	});
+	it('labels roles by base salary in today’s euros', () => {
+		expect(roleFor(44700)).toBe('Junior');
+		expect(roleFor(70000)).toBe('Senior');
+		expect(roleFor(150000)).toBe('Principal / big-tech staff');
+	});
 });