Last Updated: December 4, 2024 Current Status: Post-CPF Backend Integration
✅ Recently Completed:
- CPF Backend Integration (merged PR #22 to main)
- CPF contribution calculator with accurate Singapore rates
- Support for Ordinary Wages (OW) and Additional Wages (AW)
- Age-based allocation rates (OA/SA/MA/RA)
- In-memory CPF configuration (2024-2026 rates)
- Comprehensive unit test coverage
🚧 In Progress: None
📋 Next Up: Monthly Resolution View
Status: 🔜 Upcoming
Branch: feat/cpf-wage-classification
Priority: P0 - Critical
Estimated Effort: 3-4 weeks
Complete the frontend integration of CPF contributions into the financial planning app. Users will be able to set up their CPF profile, add employment income with automatic CPF calculations, and view CPF account balances as assets.
- CPF Profile Setup: Multi-step modal for DOB, residency status, and time-based config changes
- Income Classification: Distinguish between regular salary (OW) and irregular bonuses (AW)
- Net Take-Home Display: Show net pay with tooltip breakdown (gross - employee CPF)
- CPF Subsection: Collapsible section in income cards showing employee/employer contributions
- CPF as Assets: Display OA/SA/MA/RA accounts in Assets section with "System Managed" badges
- RA Visibility: Only show Retirement Account for users 55+
-
Phase 1: Profile Setup (Week 1)
- CPF profile API endpoints
- Multi-step profile setup modal
- Profile validation before income creation
-
Phase 2: Income UI (Week 2)
- Net take-home display with tooltip
- CPF contributions subsection
- Income form enhancements (wage type selector)
-
Phase 3: CPF as Assets (Week 3)
- CPF accounts API integration
- Display in Assets section
- Auto-update balances on income changes
-
Phase 4: Testing & Polish (Week 4)
- Integration tests
- Component tests
- Documentation
- 80%+ users complete CPF profile setup
- 90%+ salary income has CPF data populated
- CPF calculations match official CPF calculator 100%
Specification: /specs/regional/singapore/cpf/cpf-integration-tickets.md
Status: 📋 Planned Priority: P1 - High Estimated Effort: 6-7 weeks (49 complexity points)
Add monthly time resolution to financial projections with intelligent zoom-based visualization. Users can toggle between yearly and monthly views, enabling more granular financial planning and better short-term decision making.
- Resolution Toggle: Settings UI to switch between yearly/monthly resolution
- Zoom Levels: 3-level zoom system for performance optimization
- Yearly: 35 data points (December each year)
- Quarterly: 40 data points (Q1-Q4 endpoints)
- Monthly: 36 data points (3 years at a time)
- Monthly Calculations: Backend calculates 420 monthly snapshots with compound growth
- Smart Aggregation: Chart adapts display based on zoom level
- Month Selector: UI component for precise month-level navigation
- Scenario Icon Transitions: Smooth positioning of event markers across zoom levels
- Financial Data Cards: Month-by-month detail views
- Compound Monthly Growth: Accurate formula converts annual rates to monthly
- Backward Compatible Schema: Optional month columns (no migration needed)
- Performance Optimized: Always display 35-40 points regardless of resolution
- Animation Support: Smooth transitions with reduced motion support
-
Sprint 1: Foundation (Week 1)
- Database schema migration
- Monthly calculation engine
- TypeScript types
-
Sprint 2: Backend Complete (Week 2)
- Timeline API endpoint updates
- User settings endpoint
- Backend testing
-
Sprint 3: Frontend Core (Weeks 3-4)
- Zoom controls component
- Chart with zoom support
- Scenario marker transitions
- Month selector
-
Sprint 4: Integration & Testing (Weeks 5-7)
- Form updates (month-level dates)
- E2E tests
- Manual QA
- Performance tuning
- Backend calculation: P95 < 3 seconds
- Chart render: < 100ms at all zoom levels
- 30% user adoption within 30 days
- 75% retention after 7 days
Specifications:
- PRD:
/specs/timeline/monthly-resolution/monthly-resolution-prd.md - Summary:
/specs/timeline/monthly-resolution/SUMMARY.md
Status: 🔮 Future (Backlog) Priority: P2 - Medium Estimated Effort: 8-12 weeks
Build a comprehensive CPF simulation engine that models 30+ year projections including housing usage, voluntary contributions, retirement planning (CPF LIFE), and tax optimization strategies.
- Housing Integration: Track OA usage for property with accrued interest
- Voluntary Contributions: Cash top-ups with tax relief calculations
- Retirement Planning: CPF LIFE payout estimation (Standard/Basic/Escalating plans)
- Healthcare Planning: MediSave adequacy and MediShield Life premiums
- SRS Integration: Supplementary Retirement Scheme with tax benefits
- Interest Simulation: Monthly interest with extra interest rules (first $60k)
- Scenario Comparison: Side-by-side comparison of different life paths
- "As a homeowner, I want to see how using CPF for property affects my retirement"
- "As a 45-year-old, I want to know if I should top up my SA to maximize tax relief"
- "As a 60-year-old, I want to compare CPF LIFE plans and deferral options"
Specification: /specs/regional/singapore/cpf/cpf-simulation-prd.md
Status: 🔮 Future (Backlog) Priority: P3 - Low Estimated Effort: 4-6 weeks
Add comprehensive Singapore car ownership cost modeling including COE bidding, LTA fees, depreciation, maintenance, insurance, and road tax calculations.
- COE Calculator: Bidding scenarios and cost projections
- Total Cost of Ownership: 10-year projections with all expenses
- Depreciation Modeling: PARF and COE rebates
- Comparison Tool: New vs used, different car categories
- Financing Calculator: Loan scenarios with down payment optimization
Specifications:
- PRD:
/specs/regional/singapore/singapore-car-module/singapore-car-prd.md - Tickets:
/specs/regional/singapore/singapore-car-module/singapore-car-tickets.md
Status: 🔮 Future (Backlog) Priority: P2 - Medium Estimated Effort: 6-8 weeks
Enhance the AI financial assistant to autonomously create, execute, and compare financial scenarios. The AI will proactively suggest optimizations and "what-if" analyses.
- Autonomous Scenario Creation: AI generates scenarios based on user goals
- Goal-Oriented Planning: Multi-step plans with automated execution
- Proactive Monitoring: Background checks for goal progress and alerts
- Learning System: Adapts to user preferences over time
- Scenario Comparison: Automated analysis of trade-offs
Specification: /specs/ai/ai-scenario-execution.md
Completed: November 2024
- Better Auth integration with OAuth providers
- Row-level security with PostgreSQL
- User session management
- Email verification flow
Specification: /specs/auth/
Completed: November 2024
- Multi-year financial projections
- Assets, liabilities, income, expenses tracking
- Net worth visualization
- Scenario analysis framework
- Property planning module
Specifications: /specs/rewrite-phase-1/, /specs/rewrite-phase-2/
Current State: CPF Backend Complete ✅
↓
┌───────────┴──────────┐
↓ ↓
Monthly Resolution CPF Frontend Integration
(Independent) (Builds on CPF Backend)
↓ ↓
└───────────┬──────────┘
↓
CPF Full Simulation
(Requires both above)
↓
┌───────────┴──────────┐
↓ ↓
Car Module AI Scenario Execution
(Independent) (Independent)
Key Decision Points:
-
Now: Start Monthly Resolution OR CPF Frontend?
- Recommendation: Monthly Resolution (independent, high user value)
- CPF Frontend can follow immediately after
-
After Both Complete: Prioritize CPF Full Simulation vs AI features?
- Depends on user feedback from CPF Frontend integration
- ✅ CPF Backend Integration
- 🎯 Monthly Resolution View
- 🎯 CPF Frontend Integration
- CPF Full Simulation (housing, retirement planning)
- AI Scenario Execution enhancements
- Singapore Car Module
- Additional localization features
| Epic | Risk Level | Key Risks | Mitigation |
|---|---|---|---|
| CPF Frontend | Low | User confusion about wage types | Clear UI labels, tooltips, defaults |
| Monthly Resolution | Medium | Performance at scale | Zoom-based display, caching |
| CPF Simulation | Medium | Calculation complexity, rule changes | Version by year, extensive testing |
| Car Module | Low | COE data volatility | Real-time API integration |
| AI Execution | High | Autonomous actions safety | Strict approval workflows, risk categorization |
- Current Work: Check "In Progress" section for active development
- Next Steps: "Next Up" shows the immediately upcoming epic
- Planning: Review epic descriptions and specifications before starting
- Estimates: Complexity points provide relative effort (not strict timelines)
- Flexibility: Prioritization may change based on user feedback
Questions or Suggestions?
- Review detailed specs in
/specs/folder for each epic - Consult PRD documents for user stories and acceptance criteria
- Check ticket files for implementation breakdown