https://github.com/nathany/quit

When Can I Quit?
https://github.com/nathany/quit

golang personal-finance

Last synced: 5 days ago
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When Can I Quit?

• Host: GitHub
• URL: https://github.com/nathany/quit
• Owner: nathany
• License: mit
• Created: 2024-06-07T05:49:22.000Z (8 months ago)
• Default Branch: main
• Last Pushed: 2024-06-14T01:45:56.000Z (7 months ago)
• Last Synced: 2025-01-11T12:58:40.566Z (9 days ago)
• Topics: golang, personal-finance
• Language: Go
• Homepage:
• Size: 15.6 KB
• Stars: 0
• Watchers: 1
• Forks: 0
• Open Issues: 0
• Metadata Files:
  • Readme: README.md
  • License: LICENSE

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README

        
# When Can I Quit?

A library of Canadian 🇨🇦 personal finance calculations written in Go.

## Planned packages (subject to change)

This is work in progress.

* [x] assert - Helpful functions for testing

* [x] float - Helpful functions for working with floating point numbers

* [x] mortgage - Canadian mortgage calculations

  * [x] `MortgagePayment` calculation

  * [ ] Amortization schedule

  * [ ] Lump sum payments

* [x] taxes - Income tax calculations

  * [x] Very basic `IncomeTax` and `GrossIncomeForNet` calculations.

  * [ ] Tax brackets

  * [ ] Provinces and Territories other than Alberta

  * [ ] RRSP deduction calculations for contributions

  * Maybe CPP/EI calculations

  * Maybe self-employment vs. employment income

  * Maybe capital gains (in taxable accounts)

  * Maybe eligible and ineligible dividends (in taxable accounts)

* [ ] rrsp

  * [ ] RRSP withholding tax for withdrawals

  * [ ] RRSP contribution room calculations -- how many years to "max" it out?

* [ ] fi - Financial Independence calculations

  * [ ] The 4% rule

  * [ ] Coast FI calculator

  * [ ] Survival threshold from Die With Zero

* [ ] compound -- compound interest and drawdown calculators

  * [ ] Compound interest calculator for accumulation phase

  * [ ] Drawdown calculator

  * Maybe drawdown with CPP/OAS at different ages

### Maybe

There are some other calculations that may be interesting.

* Foreign withholding tax for dividends from U.S. and International equity

* T-Rex Scores (by Larry Bates) to compare fees on various investments, such as Management Expense Ratios (MER)

* Other suggestions?

## Disclaimer

The documentation is intended to describe how to use the functions in this library.

It is not financial advice.

## Contributing

Please open an issue to propose a change or addition before opening a pull request.

Please do NOT include personal information, financial or otherwise, in the code or examples. All numbers should be fictional.

## Resources

### Online Calculators

* [Mortgage Calculator](https://itools-ioutils.fcac-acfc.gc.ca/MC-CH/MCCalc-CHCalc-eng.aspx) by the Government of Canada

* [Income Tax Calculator](https://www.wealthsimple.com/en-ca/tool/tax-calculator) by Wealthsimple

* [Compound Interest Calculator](https://www.getsmarteraboutmoney.ca/calculators/compound-interest-calculator/) by Get Smarter About Money (Ontario Securities Commission)

### Blogs

* [A Guide to Canadian Mortgage Calculations (with code)](https://www.mikesukmanowsky.com/blog/a-guide-to-canadian-mortgage-calculations) by Mike Sukmanowsky