drei_schichten_modell 0.0.1 → 0.0.2
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- data/drei_schichten_modell.gemspec +2 -3
- data/lib/drei_schichten_modell.rb +54 -2
- data/lib/drei_schichten_modell/version.rb +1 -1
- data/lib/flex.rb +42 -0
- data/lib/investment.rb +20 -0
- data/lib/riester.rb +18 -22
- data/spec/altersvorsorgemix_spec.rb +114 -13
- data/spec/spec_helper.rb +2 -1
- metadata +11 -11
- data/spec/abgabenrechner_spec.rb +0 -11
@@ -1,15 +1,67 @@
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require "drei_schichten_modell/version"
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require "betriebliche_altersvorsorge"
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require "riester"
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require "basis"
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module DreiSchichtenModell
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class AltersvorsorgeMix
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def initialize(avatar_info)
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@avatar_info = avatar_info
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@riester = false
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@bav = false
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@basis = false
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end
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def riester
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riester = Riester.new(@avatar_info[:income])
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riester.kinder = @avatar_info[:children]
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riester.run
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return riester
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end
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def bav
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bav = BetrieblicheAltersvorsorge.new(@avatar_info[:income])
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bav.kinder = @avatar_info[:children]
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bav.steuerklasse = @avatar_info[:taxclass]
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bav.run
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return bav
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end
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def basis
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basis = Basis.new(@avatar_info[:income])
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basis.run
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return basis
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end
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def bestmix
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@riester = @avatar_info[:state_pension] ? riester : false
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@bav = @avatar_info[:sozi_obligation] ? bav : false
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@basis = @avatar_info[:state_pension] ? false : basis
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return @riester, @bav, @basis
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end
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end
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data/lib/flex.rb
ADDED
@@ -0,0 +1,42 @@
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class Flex
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attr_reader :anlage, :rendite, :eigenbeitrag, :zulage
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attr_writer :partner, :kinder
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def initialize(bruttojahreseinkommen)
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@bruttojahreseinkommen = bruttojahreseinkommen
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@anlagebetrag = bruttojahreseinkommen/100*4 < 2100 ? bruttojahreseinkommen/100*4 : 2100
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@grundzulage = 154
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@partner = false
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@kinder = false
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@kinderzulage = 0
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@zulage = 0
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end
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def eigenbeitrag
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eigenbeitrag = @anlagebetrag - @grundzulage - @kinderzulage
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return eigenbeitrag > 60 ? eigenbeitrag : 60
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end
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def run
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@kinder.each do |geburtsjahr|
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@kinderzulage += geburtsjahr < 2008 ? 185 : 300
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end
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@zulage = @grundzulage + @kinderzulage
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@anlage = @anlagebetrag + @zulage
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@eigenbeitrag = eigenbeitrag
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@rendite = @zulage*100/@anlagebetrag
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end
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end
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data/lib/investment.rb
ADDED
@@ -0,0 +1,20 @@
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class Investment
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attr_accessor :jahresbeitrag, :jahre, :verzinsung, :kapitelanwuchs
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def initialize(jahresbeitrag, jahre, verzinsung)
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@jahresbeitrag = jahresbeitrag
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@jahre = jahre + 1
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@verzinsung = verzinsung
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@kapitelanwuchs = []
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kapital = 0
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jahre.times do
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kapital += kapital/100*verzinsung
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kapital += jahresbeitrag + jahresbeitrag/100*verzinsung
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kapitelanwuchs << sprintf("%0.2f", kapital)
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end
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end
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end
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data/lib/riester.rb
CHANGED
@@ -1,46 +1,42 @@
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class Riester
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attr_reader :anlage, :
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attr_writer :partner, :
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-
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attr_reader :anlage, :rendite, :eigenbeitrag, :zulage
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attr_writer :partner, :kinder
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def initialize(bruttojahreseinkommen)
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@bruttojahreseinkommen = bruttojahreseinkommen
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@anlagebetrag = bruttojahreseinkommen/100*4 < 2100 ? bruttojahreseinkommen/100*4 : 2100
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@grundzulage = 154
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@partner = false
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@
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@kinder = false
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@kinderzulage = 0
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@zulage = 0
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end
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def kinder(geburtsjahre)
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geburtsjahre.each do |geburtsjahr|
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@kinderzulage += geburtsjahr < 2008 ? 185 : 300
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end
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end
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def eigenbeitrag
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eigenbeitrag = @anlagebetrag - @grundzulage - @kinderzulage
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return eigenbeitrag > 60 ? eigenbeitrag : 60
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-
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end
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@
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def run
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@kinder.each do |geburtsjahr|
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@kinderzulage += geburtsjahr < 2008 ? 185 : 300
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end
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@zulage = @grundzulage + @kinderzulage
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@anlage = @anlagebetrag + @zulage
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@eigenbeitrag = eigenbeitrag
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@rendite = @zulage*100/@anlagebetrag
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end
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end
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@@ -5,24 +5,125 @@ describe DreiSchichtenModell do
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it "get perfect dsm mix" do
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:
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# Angelstelter mit zwei kindern
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avatar1 = {
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:income => 48000,
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:age => 30,
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:taxclass => 1,
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:churchtax => true,
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:obligation_insured => true,
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:health_insurance => 'g',
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:state_pension => true,
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:children => [1999,1980],
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:federal_state => 'hh',
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:pension_height => 1500,
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:pensionable_age => 67
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}
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# freiberufler ohne kinder
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avatar2 = {
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:income => 72000,
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:age => 27,
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:taxclass => 1,
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:churchtax => false,
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:
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:health_insurance => '
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:sozi_obligation => false,
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:health_insurance => 'p',
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:state_pension => false,
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:children => [],
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:federal_state => 'be',
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:pension_height => 3000,
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:pensionable_age => 67
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}
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# Lehrer(Beamte) verheiratet mit einem kind
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avatar3 = {
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:income => 36000,
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:age => 35,
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:taxclass => 1,
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:churchtax => true,
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:sozi_obligation => false,
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:health_insurance => 'g',
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:state_pension => true,
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:children => [1998],
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:federal_state => 'be',
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:pension_height => 1500,
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:pensionable_age => 67
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}
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# Student
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avatar4 = {
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:income => 5000,
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:age => 23,
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:taxclass => 1,
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:churchtax => false,
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:sozi_obligation => false,
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:health_insurance => 'p',
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:state_pension => true,
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:children => [],
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:federal_state => 'hh',
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:pension_height => 1500,
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:pensionable_age => 67
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}
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# Angelstelter mit zwei kindern
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avatar5 = {
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:income => 28600,
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:age => 23,
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:taxclass => 1,
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:churchtax => true,
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:sozi_obligation => true,
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:health_insurance => 'g',
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:state_pension => true,
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:children => [],
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:federal_state => 'hh',
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:pension_height => 1500,
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:pensionable_age => 67
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}
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avatar = avatar2
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altersvorsorge = DreiSchichtenModell::AltersvorsorgeMix.new( avatar )
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riester, bav, basis = altersvorsorge.bestmix
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@gesamt_anlage = 0
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@gesamt_zulage = 0
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@gesamt_eigenbeitrag = 0
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[riester, bav, basis].each do |item|
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if item
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puts item.inspect
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@gesamt_anlage += item.anlage
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@gesamt_zulage += item.zulage
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@gesamt_eigenbeitrag += item.eigenbeitrag
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end
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end
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puts @gesamt_anlage
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puts @gesamt_zulage
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puts @gesamt_eigenbeitrag
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puts '-- -- --'
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# jahresbeitrag, zeitraum, verzinsung
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invest = Investment.new(@gesamt_anlage, avatar[:pensionable_age]-avatar[:age], 8)
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endsumme = invest.kapitelanwuchs.last
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puts "endkapital mit #{avatar[:pensionable_age]} nach #{avatar[:pensionable_age]-avatar[:age]} jahren: #{endsumme} euro"
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end
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-
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end
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data/spec/spec_helper.rb
CHANGED
metadata
CHANGED
@@ -1,7 +1,7 @@
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--- !ruby/object:Gem::Specification
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name: drei_schichten_modell
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version: !ruby/object:Gem::Version
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version: 0.0.
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version: 0.0.2
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prerelease:
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platform: ruby
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authors:
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@@ -9,11 +9,11 @@ authors:
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autorequire:
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bindir: bin
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cert_chain: []
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-
date: 2011-
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date: 2011-09-15 00:00:00.000000000Z
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dependencies:
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- !ruby/object:Gem::Dependency
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name: rspec
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-
requirement: &
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requirement: &70178457085500 !ruby/object:Gem::Requirement
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none: false
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requirements:
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- - ! '>='
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@@ -21,18 +21,18 @@ dependencies:
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version: '0'
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type: :development
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prerelease: false
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24
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-
version_requirements: *
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version_requirements: *70178457085500
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- !ruby/object:Gem::Dependency
|
26
26
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name: abgabenrechner
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27
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-
requirement: &
|
27
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+
requirement: &70178457085000 !ruby/object:Gem::Requirement
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28
28
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none: false
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29
29
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requirements:
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30
|
-
- -
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30
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+
- - =
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31
31
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- !ruby/object:Gem::Version
|
32
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-
version:
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33
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-
type: :
|
32
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version: 0.3.1
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33
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type: :runtime
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34
34
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prerelease: false
|
35
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-
version_requirements: *
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35
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version_requirements: *70178457085000
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36
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description: dieses rubygem berechnet den perfekten altersvorsorge mix aus allen drei
|
37
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schichten. und gibt angaben ueber die zulagenhoehe
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email:
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@@ -53,8 +53,9 @@ files:
|
|
53
53
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- lib/betriebliche_altersvorsorge.rb
|
54
54
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- lib/drei_schichten_modell.rb
|
55
55
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- lib/drei_schichten_modell/version.rb
|
56
|
+
- lib/flex.rb
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57
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+
- lib/investment.rb
|
56
58
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- lib/riester.rb
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57
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-
- spec/abgabenrechner_spec.rb
|
58
59
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- spec/altersvorsorgemix_spec.rb
|
59
60
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- spec/spec_helper.rb
|
60
61
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homepage: https://github.com/ffaerber/drei_schichten_modell
|
@@ -83,6 +84,5 @@ specification_version: 3
|
|
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summary: drei schichten model altersforsorge rechner infos dazu hier:http://www.3-schichten-modell.de
|
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oder einfach googlen
|
85
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test_files:
|
86
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-
- spec/abgabenrechner_spec.rb
|
87
87
|
- spec/altersvorsorgemix_spec.rb
|
88
88
|
- spec/spec_helper.rb
|