diff options
| -rwxr-xr-x | hledger-overview.hs | 81 |
1 files changed, 56 insertions, 25 deletions
diff --git a/hledger-overview.hs b/hledger-overview.hs index bdddff4..1ccff2b 100755 --- a/hledger-overview.hs +++ b/hledger-overview.hs @@ -24,17 +24,17 @@ main = do j <- getJournal today <- getCurrentTime >>= return . utctDay let bal = getTotal j today $ defreportopts - let balUSD = getTotal j today $ defreportopts {value_ = inUsd} + let balUSD = getTotal j today $ defreportopts {value_ = inUsdNow} sec "cash balances" row "simple" (prn $ bal "^as:me:cash:simple status:! status:*") Nothing row "wallet" (prn $ bal "^as:me:cash:wallet") Nothing row " disc" (prn $ bal "^li:me:cred:discover status:*") Nothing row " citi" (prn $ bal "^li:me:cred:citi status:*") Nothing - row " btc" (prn $ bal "^as cur:BTC") Nothing + row " btc" (prn $ bal "^as cur:BTC") (Just $ prn $ balUSD "^as cur:BTC") sec "metrics" - let netLiquid = roundTo 2 $ bal "^as:me:cash ^li:me:cred cur:USD" - let netWorth = roundTo 2 $ balUSD "^as ^li" + let netLiquid = bal "^as:me:cash ^li:me:cred cur:USD" + let netWorth = balUSD "^as ^li" row " in - ex" (prn $ bal "^in ^ex cur:USD") $ Just "keep this negative to make progress" row "cred load" (prn netLiquid) $ Just "net liquid: credit spending minus cash assets. keep it positive" row "net worth" (prn netWorth) Nothing @@ -52,9 +52,16 @@ main = do let n = whenFreedom j today let ageFree = roundTo 1 $ (n / 12) + (age cfg) row "savings rate" (pr $ savingsRate j today) Nothing - row " target fund" (prn $ roundTo 2 $ targetFund j today) Nothing + row " target fund" (prn $ targetFund j today) Nothing row " when free" ((pr n) <> " months") $ Just $ "I'll be " <> pr ageFree <> " years old" + sec "runway" + +--let (nut, cash, months) = runway j today +--row " nut" (prn nut) Nothing +--row " cash" (prn cash) Nothing +--row "months" (prn months) Nothing + sec :: String -> IO () sec label = putStrLn $ "\n" <> label <> ":" @@ -68,9 +75,9 @@ row label value (Just nb) = IO.putStrLn $ gap <> label <> ":" <> gap <> value <> gap :: Text gap = " " --- Pretty-print a number. From https://stackoverflow.com/a/61070523/1146898 +-- | Pretty-print a number. From https://stackoverflow.com/a/61070523/1146898 prn :: Quantity -> Text -prn d = T.intercalate "." $ case T.splitOn "." $ T.pack $ show d of +prn d = T.intercalate "." $ case T.splitOn "." $ T.pack $ show $ roundTo 2 d of x : xs -> (T.pack . reverse . go . reverse . T.unpack) x : xs xs -> xs where @@ -84,23 +91,19 @@ prn d = T.intercalate "." $ case T.splitOn "." $ T.pack $ show d of level :: Decimal -> Integer level = floor . logBase 10 . realToFrac --- | A trivial decision is one that is between 0.01% and 0.1% of the total. This --- uses the upper bound of that range. +-- | A trivial decision is one that is between 0.01% of the total. -- -- From <https://ofdollarsanddata.com/climbing-the-wealth-ladder/> trivial :: Quantity -trivial = 0.001 +trivial = 0.0001 -inUsd :: Maybe ValuationType -inUsd = Just $ AtNow $ Just "USD" +inUsdNow :: Maybe ValuationType +inUsdNow = Just $ AtNow $ Just "USD" getTotal :: Journal -> Day -> ReportOpts -> String -> Quantity getTotal j d opts q = sum $ map aquantity $ total where - opts' = - opts - { today_ = Just d - } + opts' = opts {today_ = Just d} (query, _) = parseQuery d $ pack q (_, (Mixed total)) = balanceReport opts' query j @@ -119,13 +122,16 @@ savingsAccounts = -- | Savings rate is a FIRE staple. Basically take your savings and divide it by -- your income on a monthly basis. +-- +-- I think this is wronge because I need to take the monthly ammounts, but this +-- gives total amounts savingsRate :: Journal -> Day -> Quantity savingsRate j d = roundTo 2 $ allSavings / allIncome where - allSavings = getTotal j d (defreportopts {value_ = inUsd}) query + allSavings = getTotal j d (defreportopts {value_ = inUsdNow}) query query = List.intercalate " " $ savingsAccounts -- gotta flip the sign because income is negative - allIncome = - getTotal j d (defreportopts {value_ = inUsd}) "^in" + allIncome = - getTotal j d (defreportopts {value_ = inUsdNow}) "^in" -- | The target fund is simply 25x your annual expenditure. -- @@ -149,20 +155,45 @@ targetFund j d = 25 * yearlyExpenses today_ = Just d } +-- | I have data going back to 2018.12. Use this for calculating averages per +-- month. +monthsSinceBeginning :: Day -> Quantity +monthsSinceBeginning d = fromInteger $ (year - 2019) * 12 + toInteger month + 1 + where + (year, month, _) = toGregorian d + -- | How long until I can live off of my savings and investment returns? -- -- Return integer is number of months until I'm free. whenFreedom :: Journal -> Day -> Quantity whenFreedom j d = roundTo 1 $ targetFund j d / monthlySavings where - (year, month, _) = toGregorian d - -- I have data going back to 2018.12 - monthsSinceBeginning = fromInteger $ (year - 2019) * 12 + toInteger month + 1 monthlySavings = savingsAccounts - & map (getTotal j d (defreportopts {value_ = inUsd, period_ = MonthPeriod 2020 10})) + & map (getTotal j d (defreportopts {value_ = inUsdNow, period_ = MonthPeriod 2020 10})) & sum - & \n -> (n / monthsSinceBeginning) + & \n -> (n / monthsSinceBeginning d) + +-- | How many months I could sustain myself with my cash and savings, given my +-- current expenses. +-- runway :: Journal -> Day -> (Quantity, Quantity, Quantity) +-- runway j d = (nut, cash, cash / nut) +runway j d = total + where + nut = sum $ map aquantity total + (_, (Mixed total)) = + balanceReport + (defreportopts {average_ = True, today_ = Just d, period_ = MonthPeriod 2020 10, interval_ = Months 6}) + (fst $ parseQuery d "^ex:me:need") + j + + -- & \n -> (n / monthsSinceBeginning d) + cash = + getTotal + j + d + (defreportopts {value_ = inUsdNow}) + "^as:me:save ^as:me:cash ^li:me:cred" -- | Escape velocity: -- @@ -185,8 +216,8 @@ whenFreedom j d = roundTo 1 $ targetFund j d / monthlySavings -- -- v = 0.1095 -- --- I don't know what this means... maybe my money must be growing at a 25% rate in --- order to cover the debt? I need to think about this equation some more. +-- I don't know what this means... maybe my money must be growing at an 11% rate +-- in order to cover the debt? I need to think about this equation some more. -- -- Basically, escape velocity will be when my assets are growing faster than my -- debts. In order to know this, I need: |