Wealth Simulation
by frostaura
Financial simulation engine, scenarios, projections, and what-if analysis. Use when working with future financial projections or simulation features.
Skill Details
name: wealth-simulation description: Financial simulation engine, scenarios, projections, and what-if analysis. Use when working with future financial projections or simulation features.
Wealth Simulation Skill
Overview
LifeOS includes a financial simulation engine projecting net worth over time based on income, expenses, investments, taxes, and life events.
Core Requirements
Scenarios
| Property | Description |
|---|---|
| Name | e.g., "Baseline", "Early Retirement" |
| Type | baseline (auto-generated), custom |
| StartDate / EndDate | Projection period (up to 80 years) |
Simulation Parameters
- Income: All sources with growth rates
- Expenses: Recurring with inflation
- Investments: Contributions, expected returns
- Taxes: Brackets and rates
- Inflation: General rate
- Events: Life events (job changes, windfalls, purchases)
Life Event Types
| Type | Description |
|---|---|
| job_change | Salary change |
| bonus | One-time bonus |
| windfall | Inheritance, lottery |
| major_purchase | Large expense |
| property_buy/sell | Real estate |
| retirement_start | Begin drawing retirement |
| market_crash | Simulate downturn |
Outputs
- Monthly net worth projections
- Account-level projections
- Investment growth breakdown
- Tax liability estimates
- Milestone achievement dates
API Endpoints
| Method | Endpoint | Purpose |
|---|---|---|
| GET | /api/simulations/scenarios | List scenarios |
| POST | /api/simulations/scenarios | Create scenario |
| POST | /api/simulations/scenarios/{id}/run | Execute (background) |
| GET | /api/simulations/scenarios/{id}/projections | Get results |
User Flows
Baseline Scenario
Auto-generated from current accounts, income, expenses, investments. Runs on data changes.
Create Custom Scenario
- Navigate to
/wealth/simulation - Click "New Scenario"
- Wizard: name, income, expenses, investments, events
- Save → Runs in background (Hangfire)
Compare Scenarios
- Select 2-3 scenarios
- Overlay projection lines
- Compare milestone dates
Calculation Flow
For each month:
1. Gross income → Apply taxes → Net income
2. Subtract expenses (with inflation)
3. Allocate to accounts
4. Apply investment returns (monthly compound)
5. Process scheduled events
6. Calculate net worth
Background Processing
- Large simulations run via Hangfire
- Progress tracked via SignalR
- Results cached for quick retrieval
Testing (Playwright MCP)
- Test scenario creation wizard
- Verify projection chart renders
- Test event addition
- Verify scenario comparison
- Test completion notification
Design Doc References
- Architecture:
.gaia/designs/architecture.md- Simulation architecture
When to Invoke
Use when: simulation calculations, event types, projections, scenario comparison, performance optimization.
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