Add projected net worth to crossover point report (#6384)

packages/desktop-client/src/components/reports/graphs/CrossoverGraph.tsx

@@ -27,6 +27,7 @@ type CrossoverGraphProps = {
       x: string;
       investmentIncome: number;
       expenses: number;
+      nestEgg: number;
       isProjection?: boolean;
     }>;
     start: string;
@@ -60,6 +61,7 @@ export function CrossoverGraph({
       x: string;
       investmentIncome: number | string;
       expenses: number | string;
+      nestEgg: number | string;
       isProjection?: boolean;
     };
   };
@@ -118,6 +120,21 @@ export function CrossoverGraph({
                 </div>
                 <div>{format(payload[0].payload.expenses, 'financial')}</div>
               </View>
+              <View
+                className={css({
+                  display: 'flex',
+                  justifyContent: 'space-between',
+                })}
+              >
+                <div>
+                  {payload[0].payload.isProjection ? (
+                    <Trans>Target Nest Egg:</Trans>
+                  ) : (
+                    <Trans>Nest Egg:</Trans>
+                  )}
+                </div>
+                <div>{format(payload[0].payload.nestEgg, 'financial')}</div>
+              </View>
             </div>
           </div>
         </div>

packages/desktop-client/src/components/reports/reports/Crossover.tsx

@@ -57,6 +57,7 @@ type CrossoverData = {
       x: string;
       investmentIncome: number;
       expenses: number;
+      nestEgg: number;
       isProjection?: boolean;
     }>;
     start: string;
@@ -69,6 +70,7 @@ type CrossoverData = {
   historicalReturn: number | null;
   yearsToRetire: number | null;
   targetMonthlyIncome: number | null;
+  targetNestEgg: number | null;
 };
 
 export function Crossover() {
@@ -299,6 +301,9 @@ function CrossoverInner({ widget }: CrossoverInnerProps) {
   // Get target monthly income from spreadsheet data
   const targetMonthlyIncome = data?.targetMonthlyIncome ?? null;
 
+  // Get target nest egg from spreadsheet data
+  const targetNestEgg = data?.targetNestEgg ?? null;
+
   const navigate = useNavigate();
   const { isNarrowWidth } = useResponsive();
 
@@ -791,6 +796,20 @@ function CrossoverInner({ widget }: CrossoverInnerProps) {
                   </PrivacyFilter>
                 </span>
               </View>
+              <View
+                style={{
+                  whiteSpace: 'nowrap',
+                }}
+              >
+                <span>
+                  <Trans>Target Nest Egg</Trans>:{' '}
+                  <PrivacyFilter>
+                    {targetNestEgg != null && !isNaN(targetNestEgg)
+                      ? format(targetNestEgg, 'financial')
+                      : t('N/A')}
+                  </PrivacyFilter>
+                </span>
+              </View>
             </View>
           </View>
 

packages/desktop-client/src/components/reports/reports/CrossoverCard.tsx

@@ -32,6 +32,7 @@ type CrossoverData = {
       x: string;
       investmentIncome: number;
       expenses: number;
+      nestEgg: number;
       isProjection?: boolean;
     }>;
     start: string;
@@ -44,6 +45,7 @@ type CrossoverData = {
   historicalReturn: number | null;
   yearsToRetire: number | null;
   targetMonthlyIncome: number | null;
+  targetNestEgg: number | null;
 };
 
 type CrossoverCardProps = {

packages/desktop-client/src/components/reports/spreadsheets/crossover-spreadsheet.ts

@@ -80,6 +80,7 @@ export function createCrossoverSpreadsheet({
         historicalReturn: null,
         yearsToRetire: null,
         targetMonthlyIncome: null,
+        targetNestEgg: null,
       });
       return;
     }
@@ -231,6 +232,7 @@ function recalculate(
     x: string;
     investmentIncome: number;
     expenses: number;
+    nestEgg: number;
     isProjection?: boolean;
   }> = [];
 
@@ -245,6 +247,7 @@ function recalculate(
       x: d.format(d.parseISO(month + '-01'), 'MMM yyyy'),
       investmentIncome: Math.round(monthlyIncome),
       expenses: spend,
+      nestEgg: balance,
     });
     lastBalance = balance;
     lastExpense = spend;
@@ -355,6 +358,7 @@ function recalculate(
         x: d.format(monthCursor, 'MMM yyyy'),
         investmentIncome: Math.round(projectedIncome),
         expenses: Math.round(projectedExpenses),
+        nestEgg: Math.round(projectedBalance),
         isProjection: true,
       });
 
@@ -370,6 +374,7 @@ function recalculate(
   // Calculate years to retire based on crossover point
   let yearsToRetire: number | null = null;
   let targetMonthlyIncome: number | null = null;
+  let targetNestEgg: number | null = null;
 
   if (crossoverIndex != null && crossoverIndex < data.length) {
     const crossoverData = data[crossoverIndex];
@@ -379,6 +384,8 @@ function recalculate(
       const monthsDiff = d.differenceInMonths(crossoverDate, currentDate);
       yearsToRetire = monthsDiff > 0 ? monthsDiff / 12 : 0;
       targetMonthlyIncome = crossoverData.expenses;
+      // Calculate target nest egg: target monthly income / monthly safe withdrawal rate
+      targetNestEgg = Math.round(targetMonthlyIncome / monthlySWR);
     }
   }
 
@@ -405,5 +412,7 @@ function recalculate(
     yearsToRetire,
     // Target monthly income at crossover point
     targetMonthlyIncome,
+    // Target nest egg at crossover point
+    targetNestEgg,
   };
 }

upcoming-release-notes/6384.md

@@ -0,0 +1,6 @@
+---
+category: Enhancements
+authors: [sjones512]
+---
+
+Add a nest egg field to show projected net worth on the crossover point report