hopefully i can sleep now

Author: reckt32

__pycache__/extractors.cpython-312.pyc

@@ -1305,16 +1305,18 @@ def compute_retirement_corpus(age, monthly_income, desired_monthly_pension=None,
 
 def compute_term_insurance_need(age, monthly_income, retirement_age=60):
     """
-    Calculate term insurance requirement using Human Life Value method.
-    Formula: (retirement_age - age) * monthly_income * 12
+    Calculate term insurance requirement.
+    Formula: 15x annual income × 1.3 (inflation buffer) = 19.5x annual income
+    
+    For example: ₹30,000/month = ₹3.6 lakh/year → Required cover = ₹70.2 lakh
     
     Returns the required term cover amount.
     """
-    age_val = _safe_float(age, 30)
     mi = _safe_float(monthly_income, 0.0)
-    years_to_retirement = max(0, retirement_age - age_val)
+    annual_income = mi * 12
 
-    required_cover = years_to_retirement * mi * 12
+    # 15x annual income with 1.3x inflation buffer = 19.5x
+    required_cover = annual_income * 15 * 1.3
     return round(required_cover, 0)
 
 def compute_ihs(savings_percent, current_products, allocation):
@@ -3724,7 +3726,7 @@ def generate_financial_plan_pdf(q: dict, analysis: dict, output_path: str, doc_i
         ["Current Status", life_status],
         ["Current Coverage", f"Rs. {_format_indian_amount(life_cover)}" if life_cover > 0 else "Rs. 0"],
         ["Recommended Coverage", f"Rs. {_format_indian_amount(required_term_cover)} minimum"],
-        ["Basis", "10x annual income"],
+        ["Basis", "15x annual income (with 1.3x inflation buffer)"],
         ["Gap", f"Rs. {_format_indian_amount(max(0, required_term_cover - life_cover))}"],
     ]
     life_table = Table(
@@ -4003,21 +4005,48 @@ def generate_financial_plan_pdf(q: dict, analysis: dict, output_path: str, doc_i
         funding_pct = 100
         available_for_goals = monthly_surplus
 
-    # Reality Check Summary Box
+    # Reality Check Summary Box - Enhanced with Existing SIP Context
     story.append(Spacer(1, 12))
-    story.append(Paragraph("<b>Reality Check: Affordability Summary</b>", styles["h2"]))
+    story.append(Paragraph("<b>Reality Check: Your Actual Financial Situation</b>", styles["h2"]))
+    
+    # Calculate insurance provision for proper context
+    term_gap = max(0, required_term_cover - life_cover)
+    health_gap = max(0, required_health_cover - health_cover)
+    client_age = _safe_float(age, 35)
+    term_rate_per_lakh = 500 if client_age < 35 else (700 if client_age < 45 else 1200)
+    health_rate_per_lakh = 2500 if client_age < 35 else (3500 if client_age < 45 else 5000)
+    term_premium_yearly = (term_gap / 100000) * term_rate_per_lakh if term_gap > 0 else 0
+    health_premium_yearly = (health_gap / 100000) * health_rate_per_lakh if health_gap > 0 else 0
+    monthly_insurance_provision = (term_premium_yearly + health_premium_yearly) / 12
+    
+    # Calculate remaining after insurance
+    remaining_after_insurance = max(0, monthly_surplus - monthly_insurance_provision)
+    
+    # Total investing = existing SIP + new allocations
+    total_investing = total_monthly_sip + remaining_after_insurance
+    total_investing_pct = (total_investing / total_required_sip * 100) if total_required_sip > 0 else 100
 
     summary_rows = [
-        ["Total Goals", f"{len(goals)}"],
-        ["Total Required SIP", f"Rs. {total_required_sip:,.0f}/month"],
-        ["Current SIP Commitment", f"Rs. {total_monthly_sip:,.0f}/month" if total_monthly_sip > 0 else "None"],
-        ["Available Monthly Surplus", f"Rs. {_format_indian_amount(monthly_surplus)}"],
-        ["Available for New Goals", f"Rs. {_format_indian_amount(available_for_goals)}"],
-        ["Funding Capacity", f"{min(funding_pct, 100):.0f}% of requirement"],
+        ["Monthly Income", f"Rs. {_format_indian_amount(monthly_income)}"],
+        ["Monthly Expenses", f"Rs. {_format_indian_amount(monthly_expenses)}"],
+        ["Monthly Surplus", f"Rs. {_format_indian_amount(monthly_surplus)}"],
+        ["", ""],  # Separator row
+        ["Current SIP (Already Investing)", f"Rs. {total_monthly_sip:,.0f}/month" if total_monthly_sip > 0 else "None"],
     ]
 
-    if shortfall > 0:
-        summary_rows.append(["Monthly Shortfall", f"Rs. {shortfall:,.0f}/month"])
+    if monthly_insurance_provision > 0:
+        summary_rows.append(["Insurance Provision Needed", f"Rs. {monthly_insurance_provision:,.0f}/month"])
+        summary_rows.append(["Available for NEW Additions", f"Rs. {remaining_after_insurance:,.0f}/month"])
+    
+    summary_rows.extend([
+        ["", ""],  # Separator row
+        ["TOTAL Investing", f"Rs. {total_investing:,.0f}/month"],
+        ["Goal Requirement", f"Rs. {total_required_sip:,.0f}/month"],
+        ["Coverage", f"{min(total_investing_pct, 100):.1f}% of requirement"],
+    ])
+    
+    if total_required_sip > total_investing:
+        summary_rows.append(["Shortfall", f"Rs. {total_required_sip - total_investing:,.0f}/month"])
 
     summary_table = Table(
         summary_rows,
@@ -4026,9 +4055,9 @@ def generate_financial_plan_pdf(q: dict, analysis: dict, output_path: str, doc_i
     )
 
     # Color based on funding status
-    if funding_pct >= 95:
+    if total_investing_pct >= 95:
         header_color = colors.HexColor('#2D6A4F')  # Green
-    elif funding_pct >= 50:
+    elif total_investing_pct >= 50:
         header_color = colors.HexColor('#E9C46A')  # Yellow
     else:
         header_color = colors.HexColor('#9D4B45')  # Red
@@ -4041,6 +4070,75 @@ def generate_financial_plan_pdf(q: dict, analysis: dict, output_path: str, doc_i
         ('BOTTOMPADDING', (0,0), (-1,-1), 6),
     ]))
     story.append(summary_table)
+    story.append(Spacer(1, 12))
+    
+    # =========================================================================
+    # GOAL-WISE SIP ALLOCATION TABLE
+    # =========================================================================
+    if len(goal_analysis) > 0:
+        story.append(Paragraph("<b>Goal-wise SIP Allocation</b>", styles["h2"]))
+        
+        # Calculate per-goal allocations
+        goal_sip_rows = [["Goal", "Required SIP", "Allocated SIP", "Gap", "Status"]]
+        
+        for ga in goal_analysis:
+            g_name = ga["name"][:25]  # Truncate long names
+            required_sip = ga["required_sip"]
+            
+            # Proportional allocation from available surplus
+            if total_required_sip > 0 and required_sip > 0:
+                allocated_sip = (required_sip / total_required_sip) * remaining_after_insurance
+            else:
+                allocated_sip = remaining_after_insurance / max(1, len(goal_analysis))
+            
+            # Add share of existing SIP (proportionally)
+            if total_monthly_sip > 0 and total_required_sip > 0:
+                existing_sip_share = (required_sip / total_required_sip) * total_monthly_sip
+                allocated_sip += existing_sip_share
+            
+            gap = max(0, required_sip - allocated_sip)
+            
+            if gap <= 0 or (allocated_sip >= required_sip * 0.95):
+                status = "✓ Funded"
+            elif allocated_sip >= required_sip * 0.5:
+                status = "Partial"
+            else:
+                status = "Gap"
+            
+            goal_sip_rows.append([
+                sanitize_pdf_text(g_name),
+                f"Rs. {required_sip:,.0f}",
+                f"Rs. {allocated_sip:,.0f}",
+                f"Rs. {gap:,.0f}" if gap > 0 else "-",
+                status
+            ])
+        
+        goal_sip_table = Table(goal_sip_rows, hAlign="LEFT", colWidths=[120, 80, 80, 80, 60])
+        goal_sip_table.setStyle(TableStyle([
+            ('BACKGROUND', (0,0), (-1,0), colors.HexColor('#457B9D')),
+            ('TEXTCOLOR', (0,0), (-1,0), colors.white),
+            ('GRID', (0,0), (-1,-1), 0.5, colors.grey),
+            ('FONTNAME', (0,0), (-1,0), 'Helvetica-Bold'),
+            ('FONTSIZE', (0,0), (-1,-1), 8),
+            ('BOTTOMPADDING', (0,0), (-1,0), 6),
+        ]))
+        story.append(goal_sip_table)
+        story.append(Spacer(1, 8))
+        
+        # Context message
+        if total_monthly_sip > 0:
+            story.append(Paragraph(
+                f"<i>Note: You are already investing Rs. {total_monthly_sip:,.0f}/month through existing SIPs. "
+                f"After insurance provision, Rs. {remaining_after_insurance:,.0f}/month can be added. "
+                f"Total: Rs. {total_investing:,.0f}/month ({total_investing_pct:.1f}% of goal needs).</i>",
+                styles["BodyText"]
+            ))
+        else:
+            story.append(Paragraph(
+                f"<i>Note: After insurance provision of Rs. {monthly_insurance_provision:,.0f}/month, "
+                f"Rs. {remaining_after_insurance:,.0f}/month is available for goal SIPs.</i>",
+                styles["BodyText"]
+            ))
 
     # =========================================================================
     # REALISTIC ACTION PLAN - What you CAN do with what you HAVE

app.py

@@ -539,6 +539,7 @@ def compute_allocation(
         emergency_fund_target: float = 0.0,
         emergency_fund_current: float = 0.0,
         existing_investments: float = 0.0,
+        existing_sip_commitments: float = 0.0,  # Already running SIP (counts towards total investing)
     ) -> Dict[str, Any]:
         """
         Compute priority-based allocation of monthly surplus with enhanced logic.
@@ -564,6 +565,7 @@ def compute_allocation(
             emergency_fund_target: Target emergency fund amount (6 months expenses) (NEW)
             emergency_fund_current: Current emergency fund amount (NEW)
             existing_investments: Total current investment value that can be allocated to goals (NEW)
+            existing_sip_commitments: Already running SIPs that count towards total investing (NEW)
         
         Returns:
             Dict with priority breakdown, per-goal table, achievement %, and bridge recommendations
@@ -751,6 +753,13 @@ def compute_allocation(
         # Generate bridge recommendations if shortfall exists
         bridge_recs = generate_bridge_recommendations(total_shortfall, remaining_for_goals_and_emergency) if total_shortfall > 0 else []
 
+        # Calculate total investing (existing SIP + new allocations after insurance)
+        new_allocations_after_insurance = remaining_for_goals_and_emergency
+        total_investing = existing_sip_commitments + new_allocations_after_insurance
+        
+        # Calculate what % of goal requirement is being funded
+        goal_funding_pct = (total_investing / total_ideal_sip * 100) if total_ideal_sip > 0 else 100.0
+        
         return {
             "priority_breakdown": priority_items,
             "monthly_surplus": round(monthly_surplus, 0),
@@ -767,7 +776,18 @@ def compute_allocation(
             "savings_shortfall": round(total_shortfall, 0) if total_shortfall > 0 else 0,
             "bridge_recommendations": bridge_recs,
             "existing_investments_allocation": investments_per_goal,
-            "summary": f"With Rs. {monthly_surplus:,.0f}/month surplus: Rs. {total_insurance_sip_monthly:,.0f} for insurance SIP, Rs. {remaining_for_goals_and_emergency:,.0f} divided equally among {num_allocation_buckets} items ({goal_achievement_pct:.0f}% of goal requirement).",
+            # NEW: Existing SIP tracking for proper report messages
+            "existing_sip_running": round(existing_sip_commitments, 0),
+            "new_allocations_available": round(new_allocations_after_insurance, 0),
+            "total_investing": round(total_investing, 0),
+            "goal_funding_percent": round(goal_funding_pct, 1),
+            "summary": (
+                f"With Rs. {monthly_surplus:,.0f}/month surplus: "
+                f"Rs. {total_insurance_sip_monthly:,.0f} for insurance, "
+                f"Rs. {remaining_for_goals_and_emergency:,.0f} remaining for goals. "
+                + (f"Already investing Rs. {existing_sip_commitments:,.0f}/month. " if existing_sip_commitments > 0 else "")
+                + f"Total investing: Rs. {total_investing:,.0f}/month ({goal_funding_pct:.1f}% of goal requirement)."
+            ),
             "insurance_recommendation": {
                 "use_savings": insurance_from_savings > 0,
                 "savings_used": round(insurance_from_savings, 0),
@@ -1179,7 +1199,7 @@ def digest(self, facts: Dict[str, Any]) -> Dict[str, Any]:
             # Fallback: compute from required vs current
             required_cover = _coerce_float(
                 (analysis.get("_diagnostics") or {}).get("requiredLifeCover"), 
-                monthly_income * 12 * 10  # Default: 10x annual income
+                monthly_income * 12 * 15 * 1.3  # Default: 15x annual income with 1.3x inflation buffer
             )
             current_life_cover = _coerce_float(insurance.get("lifeCover"), 0.0)
             term_gap = max(0, required_cover - current_life_cover)
@@ -1227,6 +1247,7 @@ def digest(self, facts: Dict[str, Any]) -> Dict[str, Any]:
             emergency_fund_target=emergency_fund_target,
             emergency_fund_current=emergency_fund_current,
             existing_investments=existing_investments,
+            existing_sip_commitments=existing_sip,  # Pass existing SIP for proper tracking
         )
 
         # --- Affordability Summary ---
@@ -1284,6 +1305,13 @@ def prompt(self, digest: Dict[str, Any]) -> Tuple[str, str]:
         achievement_pct = priority_data.get("goal_achievement_percent", 100)
         bridge_recs = priority_data.get("bridge_recommendations") or []
 
+        # Extract existing SIP tracking (NEW)
+        existing_sip_running = priority_data.get("existing_sip_running", 0)
+        new_allocations_available = priority_data.get("new_allocations_available", 0)
+        total_investing = priority_data.get("total_investing", 0)
+        goal_funding_pct = priority_data.get("goal_funding_percent", 0)
+        insurance_sip = priority_data.get("insurance_sip_monthly", 0)
+        
         # Extract affordability summary for budget enforcement
         affordability = digest.get("affordability_summary") or {}
         remaining_budget = affordability.get("remaining_budget_for_goals", 0)
@@ -1312,13 +1340,27 @@ def prompt(self, digest: Dict[str, Any]) -> Tuple[str, str]:
         if constraint_violated:
             user += (
                 "⚠️ **CRITICAL BUDGET CONSTRAINT - READ CAREFULLY:**\n"
-                f"   - Available monthly budget for goals: Rs. {remaining_budget:,.0f}\n"
-                f"   - Total IDEAL SIP needed (if unlimited funds): Rs. {total_ideal:,.0f}\n"
-                f"   - Recommended SIP allocation (within budget): Rs. {total_affordable:,.0f}\n"
-                f"   - Funding gap: Rs. {funding_gap:,.0f}/month\n"
-                f"   - Goals can be {fundable_pct:.0f}% funded with current savings\n\n"
-                f"**YOU MUST RECOMMEND TOTAL SIPs OF Rs. {total_affordable:,.0f}/month OR LESS.**\n"
-                "**USE THE 'affordable_sip' VALUE FOR EACH GOAL, NOT 'ideal_sip'.**\n\n"
+            )
+            # Add existing SIP context if client is already investing
+            if existing_sip_running > 0:
+                user += (
+                    f"   ✓ Already investing (current SIP running): Rs. {existing_sip_running:,.0f}/month\n"
+                    f"   - Insurance provision needed: Rs. {insurance_sip:,.0f}/month\n"
+                    f"   + Available for NEW additions: Rs. {new_allocations_available:,.0f}/month\n"
+                    f"   = TOTAL investing after changes: Rs. {total_investing:,.0f}/month ({goal_funding_pct:.1f}% of goal needs)\n\n"
+                )
+            else:
+                user += (
+                    f"   - Available monthly budget for goals: Rs. {remaining_budget:,.0f}\n"
+                    f"   - Total IDEAL SIP needed (if unlimited funds): Rs. {total_ideal:,.0f}\n"
+                    f"   - Insurance provision needed: Rs. {insurance_sip:,.0f}/month\n"
+                    f"   - Available after insurance: Rs. {new_allocations_available:,.0f}/month\n"
+                )
+            user += (
+                f"   - REQUIRED for all goals: Rs. {total_ideal:,.0f}/month\n"
+                f"   - SHORTFALL: Rs. {funding_gap:,.0f}/month\n\n"
+                f"**DO NOT say 'no surplus remains' or 'Available: Rs. 0' unless truly zero.**\n"
+                f"**Acknowledge existing investments and remaining capacity accurately.**\n\n"
             )
 
         user += (