pigeongov 0.2.0

package/dist/src/workflows/domains/retirement.js

@@ -0,0 +1,155 @@
+import { buildEvidenceItem, buildGenericSummary, currency, genericArtifacts, makeCheck, makeFlag, } from "../helpers.js";
+import { ssaEstimatorInputSchema } from "../schemas/retirement.js";
+// ---------------------------------------------------------------------------
+// SSA PIA calculation (simplified)
+// ---------------------------------------------------------------------------
+// 2025 bend points (approximate)
+const BEND_POINT_1 = 1_174;
+const BEND_POINT_2 = 7_078;
+function calculatePia(aime) {
+    let pia = 0;
+    if (aime <= BEND_POINT_1) {
+        pia = aime * 0.9;
+    }
+    else if (aime <= BEND_POINT_2) {
+        pia = BEND_POINT_1 * 0.9 + (aime - BEND_POINT_1) * 0.32;
+    }
+    else {
+        pia = BEND_POINT_1 * 0.9 + (BEND_POINT_2 - BEND_POINT_1) * 0.32 + (aime - BEND_POINT_2) * 0.15;
+    }
+    return Math.round(pia * 100) / 100;
+}
+function calculateAime(earningsHistory, currentAnnualEarnings) {
+    // Collect all earnings including current year, take highest 35 years
+    const allEarnings = [
+        ...earningsHistory.map((e) => e.earnings),
+        currentAnnualEarnings,
+    ].sort((a, b) => b - a);
+    // Pad with zeros if fewer than 35 years
+    while (allEarnings.length < 35) {
+        allEarnings.push(0);
+    }
+    const top35 = allEarnings.slice(0, 35);
+    const totalEarnings = top35.reduce((sum, e) => sum + e, 0);
+    return Math.round(totalEarnings / (35 * 12));
+}
+function buildSsaEstimatorBundle(input) {
+    const aime = calculateAime(input.earningsHistory, input.currentAnnualEarnings);
+    const pia = calculatePia(aime);
+    // Age 62: ~70% of PIA, Age 67 (FRA): 100%, Age 70: ~124%
+    const benefitAt62 = Math.round(pia * 0.7);
+    const benefitAt67 = Math.round(pia);
+    const benefitAt70 = Math.round(pia * 1.24);
+    // Spousal benefit: up to 50% of higher-earning spouse's PIA
+    let spousalBenefit;
+    if (input.spouseName && input.spouseEarnings !== undefined) {
+        spousalBenefit = Math.round(pia * 0.5);
+    }
+    // Break-even analysis: collecting at 62 vs 67
+    // Monthly difference: benefitAt67 - benefitAt62
+    // Cumulative collected at 62 during 5 years: benefitAt62 * 60
+    // Break-even months after 67: (benefitAt62 * 60) / (benefitAt67 - benefitAt62)
+    const monthlyDifference = benefitAt67 - benefitAt62;
+    const cumulativeAt62During5Years = benefitAt62 * 60;
+    const breakEvenMonthsAfter67 = monthlyDifference > 0
+        ? Math.round(cumulativeAt62During5Years / monthlyDifference)
+        : 0;
+    const breakEvenAge = 67 + Math.round(breakEvenMonthsAfter67 / 12);
+    const evidence = [
+        buildEvidenceItem("ssa-statement", "Social Security Administration statement", true, input.earningsHistory.length > 0),
+        buildEvidenceItem("w2-history", "W-2 history (last 10+ years)", false, input.earningsHistory.length >= 10),
+    ];
+    const flags = [];
+    if (input.earningsHistory.length < 10) {
+        flags.push(makeFlag("earningsHistory", "warning", "Fewer than 10 years of earnings history provided — estimate accuracy is limited."));
+    }
+    const checks = [
+        makeCheck("earnings-history", "Sufficient earnings history", input.earningsHistory.length >= 10, "warning", "At least 10 years of earnings history is recommended for accurate estimation."),
+    ];
+    const notes = [
+        `Applicant: ${input.applicantName}. Date of birth: ${input.dob}.`,
+        `AIME (Average Indexed Monthly Earnings): ${currency(aime)}.`,
+        `PIA (Primary Insurance Amount): ${currency(pia)}.`,
+        `Estimated monthly benefit: ${currency(benefitAt62)} at 62, ${currency(benefitAt67)} at 67, ${currency(benefitAt70)} at 70.`,
+        `Break-even analysis: collecting at 62 vs 67 breaks even at approximately age ~${breakEvenAge}.`,
+    ];
+    if (spousalBenefit !== undefined && input.spouseName) {
+        notes.push(`Spousal benefit (${input.spouseName}): up to ${currency(spousalBenefit)}/month (50% of worker PIA).`);
+    }
+    return {
+        workflowId: "retirement/ssa-estimator",
+        domain: "retirement",
+        title: "Social Security retirement benefit estimator",
+        summary: "Simplified SSA retirement benefit estimation using AIME/PIA formula. PigeonGov is not affiliated with SSA.",
+        applicant: undefined,
+        household: [],
+        evidence,
+        answers: input,
+        derived: {
+            aime,
+            pia,
+            benefitAt62,
+            benefitAt67,
+            benefitAt70,
+            spousalBenefit,
+            breakEvenAge,
+            yearsOfEarnings: input.earningsHistory.length,
+        },
+        validation: { checks, flaggedFields: flags },
+        review: buildGenericSummary("SSA retirement estimate", `${currency(benefitAt62)} at 62 / ${currency(benefitAt67)} at 67 / ${currency(benefitAt70)} at 70`, evidence, flags, notes),
+        outputArtifacts: genericArtifacts("retirement-ssa-estimator", evidence),
+        provenance: ["workflow-registry"],
+    };
+}
+// ---------------------------------------------------------------------------
+// Export
+// ---------------------------------------------------------------------------
+export const retirementWorkflows = {
+    "retirement/ssa-estimator": {
+        summary: {
+            id: "retirement/ssa-estimator",
+            domain: "retirement",
+            title: "Social Security retirement benefit estimator",
+            summary: "Estimate Social Security retirement benefits at ages 62, 67, and 70 using simplified AIME/PIA calculation.",
+            status: "active",
+            audience: "individual",
+            tags: ["ssa", "retirement", "social-security", "pia", "aime", "benefits"],
+        },
+        inputSchema: ssaEstimatorInputSchema,
+        starterData: {
+            applicantName: "",
+            dob: "",
+            earningsHistory: [],
+            currentAnnualEarnings: 0,
+        },
+        sections: [
+            {
+                id: "personal-info",
+                title: "Personal Information",
+                fields: [
+                    { key: "applicantName", label: "Applicant name", type: "text" },
+                    { key: "dob", label: "Date of birth", type: "date" },
+                    { key: "spouseName", label: "Spouse name (optional)", type: "text" },
+                    { key: "spouseDob", label: "Spouse date of birth (optional)", type: "date" },
+                ],
+            },
+            {
+                id: "earnings-history",
+                title: "Earnings History",
+                description: "Enter annual earnings for as many years as available. More history produces better estimates.",
+                fields: [
+                    { key: "currentAnnualEarnings", label: "Current annual earnings", type: "currency" },
+                    { key: "spouseEarnings", label: "Spouse annual earnings (optional)", type: "currency" },
+                ],
+            },
+            {
+                id: "retirement-planning",
+                title: "Retirement Planning",
+                description: "Benefits are estimated at ages 62 (early), 67 (full retirement age), and 70 (delayed).",
+                fields: [],
+            },
+        ],
+        buildBundle: buildSsaEstimatorBundle,
+    },
+};
+//# sourceMappingURL=retirement.js.map

package/dist/src/workflows/domains/retirement.js.map

@@ -0,0 +1 @@
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package/dist/src/workflows/domains/tax.d.ts

@@ -0,0 +1,133 @@
+import type { WorkflowBundle } from "../../types.js";
+import type { TaxWorkflowInput } from "../schemas/tax.js";
+export declare const taxWorkflows: {
+    readonly "tax/1040": {
+        summary: {
+            id: string;
+            domain: "tax";
+            title: string;
+            summary: string;
+            status: "active";
+            audience: "household";
+            tags: string[];
+            year: number;
+            legacyFormId: string;
+        };
+        inputSchema: import("zod").ZodObject<{
+            taxpayer: import("zod").ZodObject<{
+                firstName: import("zod").ZodString;
+                lastName: import("zod").ZodString;
+                ssn: import("zod").ZodDefault<import("zod").ZodString>;
+                address: import("zod").ZodObject<{
+                    street1: import("zod").ZodString;
+                    street2: import("zod").ZodOptional<import("zod").ZodString>;
+                    city: import("zod").ZodString;
+                    state: import("zod").ZodString;
+                    zipCode: import("zod").ZodString;
+                }, import("zod/v4/core").$strict>;
+            }, import("zod/v4/core").$strict>;
+            spouse: import("zod").ZodOptional<import("zod").ZodObject<{
+                firstName: import("zod").ZodString;
+                lastName: import("zod").ZodString;
+                ssn: import("zod").ZodDefault<import("zod").ZodString>;
+                address: import("zod").ZodObject<{
+                    street1: import("zod").ZodString;
+                    street2: import("zod").ZodOptional<import("zod").ZodString>;
+                    city: import("zod").ZodString;
+                    state: import("zod").ZodString;
+                    zipCode: import("zod").ZodString;
+                }, import("zod/v4/core").$strict>;
+            }, import("zod/v4/core").$strict>>;
+            dependents: import("zod").ZodDefault<import("zod").ZodArray<import("zod").ZodObject<{
+                name: import("zod").ZodString;
+                ssn: import("zod").ZodString;
+                relationship: import("zod").ZodString;
+                childTaxCreditEligible: import("zod").ZodBoolean;
+                eitcEligible: import("zod").ZodOptional<import("zod").ZodBoolean>;
+            }, import("zod/v4/core").$strict>>>;
+            filingStatus: import("zod").ZodEnum<{
+                single: "single";
+                married_filing_jointly: "married_filing_jointly";
+                married_filing_separately: "married_filing_separately";
+                head_of_household: "head_of_household";
+                qualifying_surviving_spouse: "qualifying_surviving_spouse";
+            }>;
+            wages: import("zod").ZodDefault<import("zod").ZodCoercedNumber<unknown>>;
+            taxableInterest: import("zod").ZodDefault<import("zod").ZodCoercedNumber<unknown>>;
+            ordinaryDividends: import("zod").ZodDefault<import("zod").ZodCoercedNumber<unknown>>;
+            scheduleCNet: import("zod").ZodDefault<import("zod").ZodCoercedNumber<unknown>>;
+            otherIncome: import("zod").ZodDefault<import("zod").ZodCoercedNumber<unknown>>;
+            adjustments: import("zod").ZodDefault<import("zod").ZodObject<{
+                educatorExpenses: import("zod").ZodDefault<import("zod").ZodCoercedNumber<unknown>>;
+                hsaDeduction: import("zod").ZodDefault<import("zod").ZodCoercedNumber<unknown>>;
+                selfEmploymentTaxDeduction: import("zod").ZodDefault<import("zod").ZodCoercedNumber<unknown>>;
+                iraDeduction: import("zod").ZodDefault<import("zod").ZodCoercedNumber<unknown>>;
+                studentLoanInterest: import("zod").ZodDefault<import("zod").ZodCoercedNumber<unknown>>;
+            }, import("zod/v4/core").$strict>>;
+            useItemizedDeductions: import("zod").ZodDefault<import("zod").ZodBoolean>;
+            itemizedDeductions: import("zod").ZodDefault<import("zod").ZodCoercedNumber<unknown>>;
+            federalWithheld: import("zod").ZodDefault<import("zod").ZodCoercedNumber<unknown>>;
+            estimatedPayments: import("zod").ZodDefault<import("zod").ZodCoercedNumber<unknown>>;
+        }, import("zod/v4/core").$strict>;
+        starterData: {
+            taxpayer: {
+                firstName: string;
+                lastName: string;
+                ssn: string;
+                address: {
+                    street1: string;
+                    city: string;
+                    state: string;
+                    zipCode: string;
+                };
+            };
+            dependents: never[];
+            filingStatus: "single";
+            wages: number;
+            taxableInterest: number;
+            ordinaryDividends: number;
+            scheduleCNet: number;
+            otherIncome: number;
+            adjustments: {
+                educatorExpenses: number;
+                hsaDeduction: number;
+                selfEmploymentTaxDeduction: number;
+                iraDeduction: number;
+                studentLoanInterest: number;
+            };
+            useItemizedDeductions: false;
+            itemizedDeductions: number;
+            federalWithheld: number;
+            estimatedPayments: number;
+        };
+        sections: ({
+            id: string;
+            title: string;
+            description: string;
+            fields: ({
+                key: string;
+                label: string;
+                type: "text";
+                options?: never;
+            } | {
+                key: string;
+                label: string;
+                type: "select";
+                options: {
+                    label: string;
+                    value: string;
+                }[];
+            })[];
+        } | {
+            id: string;
+            title: string;
+            fields: {
+                key: string;
+                label: string;
+                type: "currency";
+            }[];
+            description?: never;
+        })[];
+        buildBundle(input: TaxWorkflowInput): WorkflowBundle;
+    };
+};

package/dist/src/workflows/domains/tax.js

@@ -0,0 +1,187 @@
+import { buildReturnBundle } from "../../engine/field-mapper.js";
+import { calculateFederalTax } from "../../engine/tax-calculator.js";
+import { validateReturnBundle } from "../../engine/validator.js";
+import { currency } from "../helpers.js";
+import { taxInputSchema } from "../schemas/tax.js";
+export const taxWorkflows = {
+    "tax/1040": {
+        summary: {
+            id: "tax/1040",
+            domain: "tax",
+            title: "Federal individual return",
+            summary: "Form 1040 with Schedule 1 and Schedule C aware tax workflow for the 2025 filing season.",
+            status: "active",
+            audience: "household",
+            tags: ["irs", "tax", "refund", "w2", "schedule-c"],
+            year: 2025,
+            legacyFormId: "1040",
+        },
+        inputSchema: taxInputSchema,
+        starterData: {
+            taxpayer: {
+                firstName: "",
+                lastName: "",
+                ssn: "000-00-0000",
+                address: {
+                    street1: "",
+                    city: "",
+                    state: "CA",
+                    zipCode: "",
+                },
+            },
+            dependents: [],
+            filingStatus: "single",
+            wages: 0,
+            taxableInterest: 0,
+            ordinaryDividends: 0,
+            scheduleCNet: 0,
+            otherIncome: 0,
+            adjustments: {
+                educatorExpenses: 0,
+                hsaDeduction: 0,
+                selfEmploymentTaxDeduction: 0,
+                iraDeduction: 0,
+                studentLoanInterest: 0,
+            },
+            useItemizedDeductions: false,
+            itemizedDeductions: 0,
+            federalWithheld: 0,
+            estimatedPayments: 0,
+        },
+        sections: [
+            {
+                id: "identity",
+                title: "Identity",
+                description: "Collect the taxpayer identity and filing status.",
+                fields: [
+                    { key: "taxpayer.firstName", label: "First name", type: "text" },
+                    { key: "taxpayer.lastName", label: "Last name", type: "text" },
+                    { key: "taxpayer.ssn", label: "SSN", type: "text" },
+                    {
+                        key: "filingStatus",
+                        label: "Filing status",
+                        type: "select",
+                        options: [
+                            { label: "Single", value: "single" },
+                            { label: "Married filing jointly", value: "married_filing_jointly" },
+                            { label: "Head of household", value: "head_of_household" },
+                        ],
+                    },
+                ],
+            },
+            {
+                id: "income",
+                title: "Income",
+                fields: [
+                    { key: "wages", label: "W-2 wages", type: "currency" },
+                    { key: "federalWithheld", label: "Federal withholding", type: "currency" },
+                    { key: "scheduleCNet", label: "Schedule C net", type: "currency" },
+                    { key: "otherIncome", label: "Other income", type: "currency" },
+                ],
+            },
+        ],
+        buildBundle(input) {
+            const calculation = calculateFederalTax({
+                filingStatus: input.filingStatus,
+                wages: input.wages,
+                taxableInterest: input.taxableInterest,
+                ordinaryDividends: input.ordinaryDividends,
+                scheduleCNet: input.scheduleCNet,
+                otherIncome: input.otherIncome,
+                adjustments: input.adjustments,
+                useItemizedDeductions: input.useItemizedDeductions,
+                itemizedDeductions: input.itemizedDeductions,
+                dependents: input.dependents,
+                federalWithheld: input.federalWithheld,
+                estimatedPayments: input.estimatedPayments,
+            });
+            const bundleInput = {
+                formId: "1040",
+                taxYear: 2025,
+                filingStatus: input.filingStatus,
+                taxpayer: input.taxpayer,
+                dependents: input.dependents,
+                importedDocuments: input.federalWithheld > 0
+                    ? [
+                        {
+                            type: "w2",
+                            employerName: "Withholding input",
+                            wages: input.wages,
+                            federalWithheld: input.federalWithheld,
+                        },
+                    ]
+                    : [],
+                taxInput: {
+                    filingStatus: input.filingStatus,
+                    wages: input.wages,
+                    taxableInterest: input.taxableInterest,
+                    ordinaryDividends: input.ordinaryDividends,
+                    scheduleCNet: input.scheduleCNet,
+                    otherIncome: input.otherIncome,
+                    adjustments: input.adjustments,
+                    useItemizedDeductions: input.useItemizedDeductions,
+                    itemizedDeductions: input.itemizedDeductions,
+                    dependents: input.dependents,
+                    federalWithheld: input.federalWithheld,
+                    estimatedPayments: input.estimatedPayments,
+                },
+                ...(input.spouse ? { spouse: input.spouse } : {}),
+            };
+            const bundle = buildReturnBundle(bundleInput);
+            const validation = validateReturnBundle(bundle);
+            return {
+                workflowId: "tax/1040",
+                domain: "tax",
+                title: "Federal individual return",
+                summary: "Deterministic 2025 federal return bundle.",
+                year: 2025,
+                legacyFormId: "1040",
+                applicant: input.taxpayer,
+                household: input.dependents.map((dependent) => ({
+                    name: dependent.name,
+                    relationship: dependent.relationship,
+                })),
+                evidence: [],
+                answers: input,
+                derived: {
+                    refund: calculation.refund,
+                    amountOwed: calculation.amountOwed,
+                    taxableIncome: calculation.taxableIncome,
+                },
+                validation: {
+                    checks: validation.checks,
+                    flaggedFields: validation.flaggedFields,
+                },
+                review: {
+                    headline: calculation.refund > 0
+                        ? `Refund expected: ${currency(calculation.refund)}`
+                        : `Amount owed: ${currency(calculation.amountOwed)}`,
+                    notes: [
+                        `Gross income ${currency(calculation.grossIncome)}`,
+                        `Taxable income ${currency(calculation.taxableIncome)}`,
+                        `Federal tax ${currency(calculation.totalTax)}`,
+                    ],
+                    flaggedFields: validation.flaggedFields,
+                },
+                outputArtifacts: [
+                    {
+                        kind: "bundle",
+                        label: "1040 return bundle",
+                        format: "json",
+                        path: "1040-2025-filled.json",
+                    },
+                    {
+                        kind: "review",
+                        label: "Return review PDF",
+                        format: "pdf",
+                        path: "1040-2025-filled.pdf",
+                    },
+                ],
+                provenance: ["calculation-engine", "field-mapper", "validator"],
+                filledForm: bundle,
+                calculation,
+            };
+        },
+    },
+};
+//# sourceMappingURL=tax.js.map

package/dist/src/workflows/domains/tax.js.map

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package/dist/src/workflows/domains/unemployment.d.ts

@@ -0,0 +1,105 @@
+import type { WorkflowBundle } from "../../types.js";
+import type { UnemploymentWorkflowInput } from "../schemas/unemployment.js";
+export declare const unemploymentWorkflows: {
+    readonly "unemployment/claim-intake": {
+        summary: {
+            id: string;
+            domain: "unemployment";
+            title: string;
+            summary: string;
+            status: "active";
+            audience: "individual";
+            tags: string[];
+        };
+        inputSchema: import("zod").ZodObject<{
+            applicant: import("zod").ZodObject<{
+                firstName: import("zod").ZodString;
+                lastName: import("zod").ZodString;
+                ssn: import("zod").ZodDefault<import("zod").ZodString>;
+                address: import("zod").ZodObject<{
+                    street1: import("zod").ZodString;
+                    street2: import("zod").ZodOptional<import("zod").ZodString>;
+                    city: import("zod").ZodString;
+                    state: import("zod").ZodString;
+                    zipCode: import("zod").ZodString;
+                }, import("zod/v4/core").$strict>;
+            }, import("zod/v4/core").$strict>;
+            stateOfClaim: import("zod").ZodString;
+            lastEmployerName: import("zod").ZodString;
+            lastDayWorked: import("zod").ZodString;
+            separationReason: import("zod").ZodEnum<{
+                laid_off: "laid_off";
+                hours_reduced: "hours_reduced";
+                fired: "fired";
+                quit: "quit";
+                seasonal_end: "seasonal_end";
+            }>;
+            wagesLast12Months: import("zod").ZodCoercedNumber<unknown>;
+            receivingSeverance: import("zod").ZodDefault<import("zod").ZodBoolean>;
+            availableForWork: import("zod").ZodDefault<import("zod").ZodBoolean>;
+            identityProofAvailable: import("zod").ZodDefault<import("zod").ZodBoolean>;
+            wageProofAvailable: import("zod").ZodDefault<import("zod").ZodBoolean>;
+            separationNoticeAvailable: import("zod").ZodDefault<import("zod").ZodBoolean>;
+            notes: import("zod").ZodOptional<import("zod").ZodString>;
+        }, import("zod/v4/core").$strict>;
+        starterData: {
+            applicant: {
+                firstName: string;
+                lastName: string;
+                ssn: string;
+                address: {
+                    street1: string;
+                    city: string;
+                    state: string;
+                    zipCode: string;
+                };
+            };
+            stateOfClaim: string;
+            lastEmployerName: string;
+            lastDayWorked: string;
+            separationReason: "laid_off";
+            wagesLast12Months: number;
+            receivingSeverance: false;
+            availableForWork: true;
+            identityProofAvailable: false;
+            wageProofAvailable: false;
+            separationNoticeAvailable: false;
+        };
+        sections: ({
+            id: string;
+            title: string;
+            fields: ({
+                key: string;
+                label: string;
+                type: "text";
+            } | {
+                key: string;
+                label: string;
+                type: "date";
+            })[];
+        } | {
+            id: string;
+            title: string;
+            fields: ({
+                key: string;
+                label: string;
+                type: "select";
+                options: {
+                    label: string;
+                    value: string;
+                }[];
+            } | {
+                key: string;
+                label: string;
+                type: "confirm";
+                options?: never;
+            } | {
+                key: string;
+                label: string;
+                type: "currency";
+                options?: never;
+            })[];
+        })[];
+        buildBundle(input: UnemploymentWorkflowInput): WorkflowBundle;
+    };
+};