money scenarios: contract timing for salary extras (13th month in Nov, holiday pay in May, bonus in Aug, net estimates from the contract)

src/lib/money-tracker/ScenarioDetails.svelte

@@ -52,7 +52,7 @@
 				{ key: 'raisePercent', label: 'Yearly raise', unit: '%' },
 				{ key: 'raiseMonth', label: 'Raise month', unit: '' },
 				{ key: 'raiseFromYear', label: 'Raises from', unit: '' },
-				{ key: 'bonusPercentOfTarget', label: 'Bonus paid of target', unit: '%' },
+				{ key: 'bonusPercentOfTarget', label: 'Bonus paid of estimate', unit: '%' },
 				{ key: 'sideStartEuros', label: 'Side income now (gross)', unit: '€/mo' },
 				{ key: 'sideEndEuros', label: 'Side income at end (gross)', unit: '€/mo' }
 			]

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

@@ -77,8 +77,18 @@ describe('runScenario', () => {
 		const result = runScenario(inputs, flat);
 		const november = result.points[1];
 		expect(november.cash).toBe(500000);
-		// 300k salary + 10k benefit + 28k one-off − 3k gym − 90k pre-move household.
-		expect(november.total).toBeCloseTo(350000 + 300000 + 10000 + 28000 - 3000 - 90000, 0);
+		// 300k salary + 10k benefit + 28k one-off + 13th month 3/12 − 3k gym − 90k pre-move household.
+		expect(november.total).toBeCloseTo(350000 + 300000 + 10000 + 28000 + 51250 - 3000 - 90000, 0);
+	});
+	it('pays contract extras in May (holiday pay) and August (bonus)', () => {
+		const delta = (points: { total: number }[], index: number) =>
+			points[index].total - points[index - 1].total;
+		const flatRun = runScenario(inputs, flat).points;
+		// Index 7 is May 2027: holiday pay 8/12 of €1,950.
+		expect(delta(flatRun, 7) - delta(flatRun, 6)).toBeCloseTo(130000, 0);
+		const bonus = runScenario(inputs, { ...flat, bonusPercentOfTarget: 100 }).points;
+		// Index 10 is August 2027: the first bonus, €850.
+		expect(delta(bonus, 10) - delta(flatRun, 10)).toBeCloseTo(85000, 0);
 	});
 	it('orders the default scenarios from pessimistic to optimistic', () => {
 		const [pessimistic, realistic, optimistic] = (

src/lib/money-tracker/scenarios.ts

@@ -33,7 +33,7 @@ export type ScenarioParams = {
 	raisePercent: number;
 	raiseMonth: number;
 	raiseFromYear: number;
-	/** Share of the 5% target bonus actually paid each September, 0–100. */
+	/** Share of the contract's bonus estimate actually paid each August, 0–100. */
 	bonusPercentOfTarget: number;
 	/** Side income, gross euros per month, ramping linearly to the end value. */
 	sideStartEuros: number;
@@ -95,7 +95,7 @@ export const defaultScenarios: Record<ScenarioId, ScenarioParams> = {
 		raisePercent: 3.5,
 		raiseMonth: 10,
 		raiseFromYear: 2028,
-		bonusPercentOfTarget: 50,
+		bonusPercentOfTarget: 100,
 		sideStartEuros: 250,
 		sideEndEuros: 500,
 		spendGrowthPercent: 2.5,
@@ -141,10 +141,19 @@ export const scenarioFacts = {
 	contractEnd: '2027-09-30',
 	/** Extra net per extra gross euro: about 50% marginal tax after 2.65% pension. */
 	marginalNet: (1 - 0.0265) * 0.5,
-	/** Holiday pay (8%) and 13th month accrue monthly; paid half net in May and December. */
-	holidayPayRate: 0.08,
-	/** Target bonus as a share of yearly gross (12.96 months), paid half net in September. */
-	bonusTarget: 0.05,
+	/**
+	 * Contract extras, net per full year at the contract gross (scaled with later pay): holiday
+	 * pay paid in May and the 13th month in November, both accrued per month worked. The first
+	 * ones are pro rata (13th month 3/12 in Nov 2026, holiday pay 8/12 in May 2027). The bonus
+	 * is paid in August after the fiscal year, only while employed: once €850 (FY27), then €1,300.
+	 */
+	holidayNetYearCents: 195000,
+	thirteenthNetYearCents: 205000,
+	holidayMonthsAccrued: 1,
+	thirteenthMonthsAccrued: 2,
+	firstBonusCents: 85000,
+	firstBonusYear: 2027,
+	bonusNetYearCents: 130000,
 	sideTaxRate: 0.4,
 	bufferCents: 500000,
 	/** Joint household contribution before the move, per month (Apr–Oct 2026 average). */
@@ -301,8 +310,8 @@ export function runScenario(inputs: ScenarioInputs, params: ScenarioParams): Sce
 	let cash = inputs.spendableCents;
 	let invested = inputs.investedCents;
 	let gross = baseGross;
-	let accruedHoliday = baseGross * facts.holidayPayRate;
-	let accrued13 = baseGross / 12;
+	let accruedHoliday = (facts.holidayNetYearCents / 12) * facts.holidayMonthsAccrued;
+	let accrued13 = (facts.thirteenthNetYearCents / 12) * facts.thirteenthMonthsAccrued;
 	let investedAtYearStart = invested;
 	let contributedThisYear = 0;
 	let box3Due = 0;
@@ -357,25 +366,29 @@ export function runScenario(inputs: ScenarioInputs, params: ScenarioParams): Sce
 			gross *= 1 + pct(params.raisePercent);
 		let income = employed ? netFromGross(gross) : params.gapNetEuros * 100;
 		if (employed) {
-			accruedHoliday += gross * facts.holidayPayRate;
-			accrued13 += gross / 12;
+			accruedHoliday += (facts.holidayNetYearCents / 12) * (gross / baseGross);
+			accrued13 += (facts.thirteenthNetYearCents / 12) * (gross / baseGross);
 		}
 		if (month === 5) {
-			income += accruedHoliday * 0.5;
+			income += accruedHoliday;
 			accruedHoliday = 0;
 		}
-		if (month === 12) {
-			income += accrued13 * 0.5;
+		if (month === 11) {
+			income += accrued13;
 			accrued13 = 0;
 		}
 		// A job change pays out what is still accrued when the contract ends.
 		if (params.gapMonths > 0 && first === addMonths(facts.contractEnd, 0)) {
-			income += (accruedHoliday + accrued13) * 0.5;
+			income += accruedHoliday + accrued13;
 			accruedHoliday = 0;
 			accrued13 = 0;
 		}
-		if (month === 9 && first >= addMonths(facts.contractEnd, 0) && employed)
-			income += pct(params.bonusPercentOfTarget) * facts.bonusTarget * gross * 12.96 * 0.5;
+		if (month === 8 && year >= facts.firstBonusYear && employed)
+			income +=
+				pct(params.bonusPercentOfTarget) *
+				(year === facts.firstBonusYear
+					? facts.firstBonusCents
+					: facts.bonusNetYearCents * (gross / baseGross));
 		const ramp = Math.min(1, Math.max(0, (index - 3) / Math.max(1, totalMonths - 4)));
 		const sideGross = params.sideStartEuros + (params.sideEndEuros - params.sideStartEuros) * ramp;
 		income += sideGross * 100 * (1 - facts.sideTaxRate);