PersonalTab Documentation

The PersonalTab component is a key part of the financial planning application that handles personal information and superannuation settings. It allows users to input and manage:

• Main person's current age and life expectancy
• Partner inclusion, partner's age, and partner's life expectancy
• Superannuation settings including eligibility age and income rates

This information is used in financial calculations to project retirement outcomes and superannuation benefits.

Inputs

Personal Information

• Main Person's Current Age (starting_age)

  • Type: Number
  • Range: 0-110
  • Controls: Starting point for all financial projections
  • Validation: Must be less than life expectancy
  • Auto-adjusts life expectancy if needed

• Main Person's Life Expectancy (ending_age)

  • Type: Number
  • Range: 0-110
  • Controls: End point for financial projections
  • Validation: Must be greater than current age (validated on blur)
  • Input Method: Arrow keys only (keyboard typing disabled)
  • Auto-adjusts to current age + 1 if invalid

• Include Partner (includePartner)

  • Type: Boolean
  • Controls: Whether to include a partner in financial calculations
  • When enabled, shows partner's age and life expectancy inputs

• Partner's Current Age (partner_starting_age)

  • Type: Number
  • Range: 0-110
  • Controls: Starting point for partner's financial projections
  • Only visible when partner is included
  • Validation: Must be less than partner's life expectancy

• Partner's Life Expectancy (partner_ending_age)

  • Type: Number
  • Range: 0-110
  • Default: 95 (if not set)
  • Controls: End point for partner's financial projections
  • Only visible when partner is included
  • Input Method: Arrow keys only (keyboard typing disabled)
  • Validation: Must be greater than partner's current age (validated on blur)
  • Auto-adjusts to partner's current age + 1 if invalid

Superannuation Settings

• Include Superannuation (superannuation)

  • Type: Boolean
  • Controls: Whether to include NZ Superannuation in calculations

• Override Super Incomes (override_super_incomes)

  • Type: Boolean
  • Controls: Whether to use custom superannuation income rates
  • Only visible when superannuation is included

• Eligibility Age (super_eligibility_age)

  • Type: Number
  • Default: 65
  • Controls: Age at which superannuation benefits begin

• Single Rate (Annual) (single_super_rate)

  • Type: Number
  • Default: $32,611.28 (as of April 2025)
  • Controls: Annual superannuation income for single person (Nominal)

• Couple - One Qualifying (Annual) (couple_one_super_rate)

  • Type: Number
  • Default: $24,776.44 (as of April 2025)
  • Controls: Annual superannuation income when one partner qualifies (Nominal)

• Couple - Both Qualifying (Annual) (couple_both_super_rate)

  • Type: Number
  • Default: $49,552.88 (as of April 2025)
  • Controls: Annual superannuation income when both partners qualify (Nominal)
  • Only visible when partner is included

Calculations

Superannuation Income Calculation

The superannuation income is calculated based on the user's relationship status and eligibility age.

Formula:

• If Current Age >= Eligibility Age:
  • Single: Single Rate
  • Couple (One Eligible): Couple - One Qualifying Rate
  • Couple (Both Eligible): Couple - Both Qualifying Rate
• Otherwise, the superannuation income is $0.

Example Calculation

For a single person aged 67:

• Eligibility Age: 65
• Single Rate: $32,611.28
• Calculation: $32,611.28 (since 67 >= 65)

For a couple where both are eligible:

• Eligibility Age: 65
• Both Qualifying Rate: $49,552.88
• Calculation: $49,552.88

Age Validation

The component ensures valid age ranges:

Main Person:

• Current Age must be less than Life Expectancy
• When Current Age is changed and becomes >= Life Expectancy, Life Expectancy is automatically adjusted to Current Age + 1
• When Life Expectancy is changed (via arrow keys), it's validated on blur and adjusted if <= Current Age

Partner (when included):

• Partner's Current Age must be less than Partner's Life Expectancy
• When Partner's Current Age is changed and becomes >= Partner's Life Expectancy, Partner's Life Expectancy is automatically adjusted to Partner's Current Age + 1
• When Partner's Life Expectancy is changed (via arrow keys), it's validated on blur and adjusted if <= Partner's Current Age
• If Partner's Life Expectancy is not set, it defaults to 95

UI Features

Layout Modes

The component supports two layout modes controlled by isSidebarView:

• Normal View: Horizontal layout with multiple columns for age inputs
• Sidebar View: Vertical stack layout optimized for narrow sidebars

Input Restrictions

• Life expectancy fields use arrow-key-only input to prevent invalid manual entry
• Visual hint "(use ↕ controls)" appears on life expectancy labels
• User select disabled on life expectancy inputs to prevent text selection
• Numeric validation on all age inputs with 0-110 range clamping