fplan.py 文件源码

def load_file(self, file):
        with open(file) as conffile:
            d = toml.loads(conffile.read())
        self.i_rate = 1 + d.get('inflation', 0) / 100       # inflation rate: 2.5 -> 1.025
        self.r_rate = 1 + d.get('returns', 6) / 100         # invest rate: 6 -> 1.06

        self.startage = d['startage']
        self.endage = d.get('endage', max(96, self.startage+5))
        if 'prep' in d:
            self.workyr = d['prep']['workyears']
            self.maxsave = d['prep']['maxsave']
            self.worktax = 1 + d['prep'].get('tax_rate', 25)/100
        else:
            self.workyr = 0
        self.retireage = self.startage + self.workyr
        self.numyr = self.endage - self.retireage

        self.aftertax = d.get('aftertax', {'bal': 0})
        if 'basis' not in self.aftertax:
            self.aftertax['basis'] = 0

        self.IRA = d.get('IRA', {'bal': 0})
        if 'maxcontrib' not in self.IRA:
            self.IRA['maxcontrib'] = 18000 + 5500*2

        self.roth = d.get('roth', {'bal': 0});
        if 'maxcontrib' not in self.roth:
            self.roth['maxcontrib'] = 5500*2

        self.parse_expenses(d)
        self.sepp_end = max(5, 59-self.retireage)     # first year you can spend IRA reserved for SEPP
        self.sepp_ratio = 25                         # money per-year from SEPP  (bal/ratio)