Adjusted financial simulation for taxes.

src/components/ScenarioEditModal.js

@@ -0,0 +1,244 @@
+// src/components/ScenarioEditModal.js
+import React, { useState, useEffect } from 'react';
+import authFetch from '../utils/authFetch';
+
+const ScenarioEditModal = ({
+  show,
+  onClose,
+  financialProfile,
+  setFinancialProfile,
+  collegeProfile,
+  setCollegeProfile,
+  apiURL,
+  authFetch,
+}) => {
+  const [formData, setFormData] = useState({});
+
+  // Populate local formData whenever show=true
+  useEffect(() => {
+    if (!show) return;
+
+    setFormData({
+      // From financialProfile:
+      currentSalary: financialProfile?.current_salary ?? 0,
+      monthlyExpenses: financialProfile?.monthly_expenses ?? 0,
+      monthlyDebtPayments: financialProfile?.monthly_debt_payments ?? 0,
+      retirementSavings: financialProfile?.retirement_savings ?? 0,
+      emergencySavings: financialProfile?.emergency_fund ?? 0,
+      monthlyRetirementContribution: financialProfile?.retirement_contribution ?? 0,
+      monthlyEmergencyContribution: financialProfile?.emergency_contribution ?? 0,
+      surplusEmergencyAllocation: financialProfile?.extra_cash_emergency_pct ?? 50,
+      surplusRetirementAllocation: financialProfile?.extra_cash_retirement_pct ?? 50,
+
+      // From collegeProfile:
+      studentLoanAmount: collegeProfile?.existing_college_debt ?? 0,
+      interestRate: collegeProfile?.interest_rate ?? 5,
+      loanTerm: collegeProfile?.loan_term ?? 10,
+      loanDeferralUntilGraduation: !!collegeProfile?.loan_deferral_until_graduation,
+      academicCalendar: collegeProfile?.academic_calendar ?? 'monthly',
+      annualFinancialAid: collegeProfile?.annual_financial_aid ?? 0,
+      calculatedTuition: collegeProfile?.tuition ?? 0,
+      extraPayment: collegeProfile?.extra_payment ?? 0,
+      partTimeIncome: 0, // or fetch from DB if you store it
+      gradDate: collegeProfile?.expected_graduation ?? '',
+      programType: collegeProfile?.program_type ?? '',
+      creditHoursPerYear: collegeProfile?.credit_hours_per_year ?? 0,
+      hoursCompleted: collegeProfile?.hours_completed ?? 0,
+      programLength: collegeProfile?.program_length ?? 0,
+      inCollege:
+        collegeProfile?.college_enrollment_status === 'currently_enrolled' ||
+        collegeProfile?.college_enrollment_status === 'prospective_student',
+      expectedSalary: collegeProfile?.expected_salary ?? financialProfile?.current_salary ?? 0,
+    });
+  }, [show, financialProfile, collegeProfile]);
+
+  // Handle form changes in local state
+  const handleChange = (e) => {
+    const { name, type, value, checked } = e.target;
+    setFormData((prev) => ({
+      ...prev,
+      [name]:
+        type === 'checkbox'
+          ? checked
+          : type === 'number'
+          ? parseFloat(value) || 0
+          : value
+    }));
+  };
+
+  // SAVE: Update DB and local states, then close
+  const handleSave = async () => {
+    try {
+      // 1) Update the backend (financialProfile + collegeProfile):
+      //    (Adjust endpoints/methods as needed in your codebase)
+      await authFetch(`${apiURL}/premium/financial-profile`, {
+        method: 'PUT',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify({
+          current_salary: formData.currentSalary,
+          monthly_expenses: formData.monthlyExpenses,
+          monthly_debt_payments: formData.monthlyDebtPayments,
+          retirement_savings: formData.retirementSavings,
+          emergency_fund: formData.emergencySavings,
+          retirement_contribution: formData.monthlyRetirementContribution,
+          emergency_contribution: formData.monthlyEmergencyContribution,
+          extra_cash_emergency_pct: formData.surplusEmergencyAllocation,
+          extra_cash_retirement_pct: formData.surplusRetirementAllocation
+        })
+      });
+
+      await authFetch(`${apiURL}/premium/college-profile`, {
+        method: 'PUT',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify({
+          existing_college_debt: formData.studentLoanAmount,
+          interest_rate: formData.interestRate,
+          loan_term: formData.loanTerm,
+          loan_deferral_until_graduation: formData.loanDeferralUntilGraduation,
+          academic_calendar: formData.academicCalendar,
+          annual_financial_aid: formData.annualFinancialAid,
+          tuition: formData.calculatedTuition,
+          extra_payment: formData.extraPayment,
+          expected_graduation: formData.gradDate,
+          program_type: formData.programType,
+          credit_hours_per_year: formData.creditHoursPerYear,
+          hours_completed: formData.hoursCompleted,
+          program_length: formData.programLength,
+          college_enrollment_status: formData.inCollege
+            ? 'currently_enrolled'
+            : 'not_enrolled',
+          expected_salary: formData.expectedSalary
+        })
+      });
+
+      // 2) Update local React state so your useEffect triggers re-simulation
+      setFinancialProfile((prev) => ({
+        ...prev,
+        current_salary: formData.currentSalary,
+        monthly_expenses: formData.monthlyExpenses,
+        monthly_debt_payments: formData.monthlyDebtPayments,
+        retirement_savings: formData.retirementSavings,
+        emergency_fund: formData.emergencySavings,
+        retirement_contribution: formData.monthlyRetirementContribution,
+        emergency_contribution: formData.monthlyEmergencyContribution,
+        extra_cash_emergency_pct: formData.surplusEmergencyAllocation,
+        extra_cash_retirement_pct: formData.surplusRetirementAllocation
+      }));
+
+      setCollegeProfile((prev) => ({
+        ...prev,
+        existing_college_debt: formData.studentLoanAmount,
+        interest_rate: formData.interestRate,
+        loan_term: formData.loanTerm,
+        loan_deferral_until_graduation: formData.loanDeferralUntilGraduation,
+        academic_calendar: formData.academicCalendar,
+        annual_financial_aid: formData.annualFinancialAid,
+        tuition: formData.calculatedTuition,
+        extra_payment: formData.extraPayment,
+        expected_graduation: formData.gradDate,
+        program_type: formData.programType,
+        credit_hours_per_year: formData.creditHoursPerYear,
+        hours_completed: formData.hoursCompleted,
+        program_length: formData.programLength,
+        college_enrollment_status: formData.inCollege
+          ? 'currently_enrolled'
+          : 'not_enrolled',
+        expected_salary: formData.expectedSalary
+      }));
+
+      // 3) Close the modal
+      onClose();
+    } catch (err) {
+      console.error('Error saving scenario changes:', err);
+      // Optionally show a toast or error UI
+    }
+  };
+
+  // If show=false, don't render anything
+  if (!show) return null;
+
+  return (
+    <div className="modal-backdrop">
+      <div className="modal-container">
+        <h2 className="text-xl font-bold mb-4">Edit Scenario Inputs</h2>
+
+        {/* EXAMPLE FIELDS: Add all the fields you actually want visible */}
+        <div className="mb-3">
+          <label className="block font-semibold">Current Salary</label>
+          <input
+            type="number"
+            name="currentSalary"
+            value={formData.currentSalary}
+            onChange={handleChange}
+            className="border px-2 py-1 w-full"
+          />
+        </div>
+
+        <div className="mb-3">
+          <label className="block font-semibold">Monthly Expenses</label>
+          <input
+            type="number"
+            name="monthlyExpenses"
+            value={formData.monthlyExpenses}
+            onChange={handleChange}
+            className="border px-2 py-1 w-full"
+          />
+        </div>
+
+        <div className="mb-3">
+          <label className="block font-semibold">Tuition</label>
+          <input
+            type="number"
+            name="calculatedTuition"
+            value={formData.calculatedTuition}
+            onChange={handleChange}
+            className="border px-2 py-1 w-full"
+          />
+        </div>
+
+        <div className="mb-3">
+          <label className="block font-semibold">Annual Financial Aid</label>
+          <input
+            type="number"
+            name="annualFinancialAid"
+            value={formData.annualFinancialAid}
+            onChange={handleChange}
+            className="border px-2 py-1 w-full"
+          />
+        </div>
+
+        {/* Example checkbox for loan deferral */}
+        <div className="mb-3 flex items-center">
+          <input
+            type="checkbox"
+            name="loanDeferralUntilGraduation"
+            checked={formData.loanDeferralUntilGraduation}
+            onChange={handleChange}
+            className="mr-2"
+          />
+          <label>Defer loan payments until graduation</label>
+        </div>
+
+        {/* Add all other fields you want to expose... */}
+
+        {/* Modal Buttons */}
+        <div className="flex justify-end mt-6">
+          <button
+            onClick={onClose}
+            className="px-4 py-2 mr-2 border rounded"
+          >
+            Cancel
+          </button>
+          <button
+            onClick={handleSave}
+            className="bg-blue-600 text-white px-4 py-2 rounded"
+          >
+            Save
+          </button>
+        </div>
+      </div>
+    </div>
+  );
+};
+
+export default ScenarioEditModal;

src/utils/FinancialProjectionService.js

@@ -4,6 +4,64 @@ import moment from 'moment';
  * Single-filer federal tax calculation (2023).
  * Includes standard deduction ($13,850). 
  */
+const APPROX_STATE_TAX_RATES = {
+  AL: 0.05,
+  AK: 0.00,
+  AZ: 0.025,
+  AR: 0.05,
+  CA: 0.07,
+  CO: 0.045,
+  CT: 0.055,
+  DE: 0.05,
+  FL: 0.00,
+  GA: 0.05,
+  HI: 0.06,
+  ID: 0.058,
+  IL: 0.05,
+  IN: 0.035,
+  IA: 0.05,
+  KS: 0.05,
+  KY: 0.05,
+  LA: 0.04,
+  ME: 0.055,
+  MD: 0.05,
+  MA: 0.05,
+  MI: 0.0425,
+  MN: 0.06,
+  MS: 0.04,
+  MO: 0.05,
+  MT: 0.05,
+  NE: 0.05,
+  NV: 0.00,
+  NH: 0.00,  // ignoring interest/dividend nuance
+  NJ: 0.057,
+  NM: 0.045,
+  NY: 0.06,
+  NC: 0.0475,
+  ND: 0.02,
+  OH: 0.04,
+  OK: 0.045,
+  OR: 0.07,
+  PA: 0.03,
+  RI: 0.045,
+  SC: 0.04,
+  SD: 0.00,
+  TN: 0.00,
+  TX: 0.00,
+  UT: 0.045,
+  VT: 0.055,
+  VA: 0.05,
+  WA: 0.00,
+  WV: 0.05,
+  WI: 0.05,
+  WY: 0.00,
+  DC: 0.05
+};
+
+/**
+ * 2) Single-filer federal tax calculation (2023).
+ *    Includes standard deduction ($13,850). 
+ */
 function calculateAnnualFederalTaxSingle(annualIncome) {
   const STANDARD_DEDUCTION_SINGLE = 13850;
   const taxableIncome = Math.max(0, annualIncome - STANDARD_DEDUCTION_SINGLE);
@@ -35,20 +93,13 @@ function calculateAnnualFederalTaxSingle(annualIncome) {
 }
 
 /**
- * Example state tax calculation. 
- * Currently a simple flat rate based on `stateCode` from a small dictionary. 
- * You can replace with bracket-based logic if desired.
+ * 3) Example approximate state tax calculation.
+ *    Retrieves a single "effective" tax rate from the dictionary
+ *    and returns a simple multiplication of annualIncome * rate.
  */
 function calculateAnnualStateTax(annualIncome, stateCode) {
-  // Example dictionary of flat rates (not real data!)
-  const stateTaxInfo = {
-    CA: 0.08, // 8%
-    NY: 0.06, // 6%
-    TX: 0.00, 
-    FL: 0.00,
-    GA: 0.05
-  };
-  const rate = stateTaxInfo[stateCode] ?? 0.05; // default 5% if not found
+  // Default to 5% if not found in dictionary
+  const rate = APPROX_STATE_TAX_RATES[stateCode] ?? 0.05;
   return annualIncome * rate;
 }