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Overview

The calculation trigger compares two financial scenarios:
  • Baseline: The user’s current financial situation
  • Recommendation: An optimized scenario with suggested improvements
Results include financial projections, comparisons between scenarios, and actionable insights for financial planning decisions.

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Configuration

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Hyperparameters

Loan Ratio: Configure the target loan-to-value ratio for mortgage recommendations Pension Recommendation Ratio: Set the target ratio for pension planning optimization

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User Information

Configure the following user data inputs:

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Personal Details

  • User Age: The primary user’s current age
  • Monthly Salary: User’s gross monthly income
  • House1: Primary residence address (from previous responses)
  • House2: Secondary property address (optional)

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Primary User Pension & Savings

  • Monthly Savings Amount: Current monthly pension contributions
  • Current Emergency Savings: Current emergency fund balance
  • Current Pension Monthly Payment: Existing pension contributions
  • User Current Pension Savings: Total pension savings balance

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Spouse Information (if applicable)

  • Spouse Age: Spouse’s current age
  • Spouse Monthly Salary: Spouse’s gross monthly income
  • Spouse Current Pension Savings: Spouse’s total pension balance
  • Spouse Current Pension Monthly Payment: Spouse’s monthly pension contributions

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How It Works

  1. Data Collection: The trigger collects user inputs from your workflow responses
  2. Analysis: The system compares scenarios and identifies optimization opportunities
  3. Results: Key financial figures, projections, and recommendations are returned

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Output

The calculation provides:
  • Financial Projections: Year-by-year forecasts for income, expenses, and savings
  • Scenario Comparisons: Differences between current situation and optimized recommendations
  • Key Metrics: Important financial ratios and benchmarks
  • Recommendations: Specific suggestions for improvement (e.g., mortgage refinancing, pension optimization)

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Displaying Results

You can present calculation results to users in multiple ways:
  • Message Entity: Display key findings and recommendations in text format
  • Chart Entity: Visualize financial projections and trends over time
  • Comparison Chart Entity: Show side-by-side comparisons between baseline and recommendation scenarios

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Use Cases

  • Mortgage Planning: Analyze refinancing opportunities and loan optimization
  • Pension Planning: Optimize retirement savings and contribution strategies
  • Emergency Savings: Calculate appropriate emergency fund targets
  • Overall Financial Health: Get comprehensive household financial projections

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Setup Tips

  • Ensure all required user inputs are collected in previous workflow steps
  • Map response variables correctly to the corresponding calculation inputs
  • Test with sample data to verify calculations are working as expected
  • Consider which hyperparameters are most relevant for your specific use case
The calculation engine forecasts financial scenarios until the user reaches age 88, providing comprehensive long-term financial planning insights.