Prompt for ArnavEval 1.0

arnaveval-prompt.txt

Build me a website which will be a personal financial tracker that helps create plan for future income and expenses and plan for goals in life. 

Basic Details and Tech Stack to be used 

Tech Stack 
- Framework: React
- Language: Typescript 
- Styling: Tailwind
- Icons: Lucide
- Charting: Recharts

Basic logic of the underlying core calculations 

```ts
Portfolio {
	startYear: Int, default=2015 // year from which calculations to be started 
	endYear: Int default=2075 // year till which to calculate 
	incomeStreams: IncomeStream[]
	expenseStreams: ExpenseStream[]
	majorExpenses: MajorExpense[]
	assets: Asset[]
}
IncomeStream { // there can be multiple income streams
	name // eg: salary, consulting 
	startYear // from when this income started 
	endYear // till when this income will exist
	annualAmount // amount of income in the first year (startYear) 
	annualGrowth (percentage) 
}

ExpenseStream { // there can be multiple ongoing expense streams
	name // eg: daily-life, children-education
	startYear
	endYear
	annualAmmount
	annualGrowth // inflation of expenses
}

MajorExpense { // these are for large expenses like car, house 
	name 
	totalAmmount 
	isInInstallments // if true, then spent over years (eg via a loan)
	annualInstallmentAmount 
	installmentStartYear
	installmentEndYear // same as installment start year if not in installments 
	annualInterest // 0 if not in installments, use this to calculate annualInstallmentAmount
}

Asset { 
	type // eg: cash, stocks, property,
	name
	currentAmmount
	annualGrowth // the APR of growth, can be negative for depreciating asset like car
	spendPriority // a ranking number, higher ranked is spent from first when required for expenses 
	isForSavings: boolean // if true, then some part of annual savings get contributed to this
}

SavingsDistribution { // during different spans, you might be saving in different mixes
	startYear
	endYear
	distribution: Map<Asset, Number> // how much percentage goes into which asset. sum MUST BE 100! 
} // there cannot be savings distribution ranges with overlapping start and end years 
```

The website should have the following sections to take input from the user 

- Basic Infor 
	- Their age 
	- Start year
	- End Year
- Income Streams
	- allow adding income streams with [+ Add] button 
	- every income stream, user can enter start, end years, income ammount and growth 
	- ammount entered is considered current year ammount, and values between startYear to current year are interpolated
- Expense Streams
	- allow adding expense streams with [+ Add] button 
	- every expense stream, user can enter start, end years, income ammount and growth
- Assets 
	- allow adding assets with a [+ Add] button 
	- asset type should be a selector between "Cash & Equivalents", "Stocks & Equities", "Movable Property (Car)", "Immovable Property (House)" 
	- add a checkbox for "Add savings into this asset every year" 
	- add a drop down [1-10] "Priority of spending from this asset if required (higher is spent first)" 
- Major Expenses 
	- allow adding major expenses with [+ Add] button 
	- when adding expense have a checkbox for "Loan / Installments" 
		- when this is checked, take data for % interest, start and end year and calculate the annual value from there 
- Savings Distribution
	- Let people distribute their savings among different assets 
	- Add multiple distribution ranges using [+Add] button, make sure valid ranges exist for the ENTIRE duration of start to end year 
	- For any distribution range, give sliders to distribute saving among all active assets that year (that have isForSavings=true)
	- Sum of those sliders is constrainted to be 100



After taking input from the user, here is how the calculations should be done. 

- For the year eg: 2021 
	- For every income stream
		- increase the 2020 value by % growth
		- if the endYear has come then turn down income to 0 
	- For every expense stream 
		- increase the 2020 value by % inflation 
		- if endYear has come, then turn expense down to 0 
		- if new expense stream starts this year, start with initial value
		- major expenses are just a one-time expense if they are not in installments
			- if they are in installments, they are just like another expense stream, 
			- but they have constant value per year, no % inflation 
	- For assets 
		- first calculate if total income > total expense or not
			- if income > expense; then savings = income - expense 
				- split savings as per that year's savingsDistribution and add to savings
				- also grow savings be the % growth of that savings 
				- thus; asset[2021] = asset[2020] + asset[2020] x growth + savings x distribution share of this asset 
			- if income < expense; then burn = expense - income 
				- go through the assets in decreasing order of their spendPriority and reduce them by the burn
				- if all assets are zeroed out and still that year's burn is not accounted for, then throw a calculation error 
				- 

The chart at the end of the website should live-update, as inputs are added by user. There should be a "Refresh" button to force the calculations too. There should be an "Export CSV" button to export the chart data in CSV format. 

The chart should use the following ways to display. 

- Incomes: stacked bars, +ve (above 0) 
- Expenses: stacked bars, -ve (below 0)
- Assets: stacked area 
- Major Expenses (if without installedment): scatter dot
	- major expenses which are installments should be stacked with other expense streams in the bars