Feature/add coverage rule to emergency fund section on X-ray page (#7538)

* Add emergency fund coverage rule

* Update changelog

CHANGELOG.md

@@ -7,6 +7,10 @@ and this project adheres to [Semantic Versioning](https://semver.org/spec/v2.0.0
 
 ## Unreleased
 
+### Added
+
+- Added a _Coverage_ rule to the _Emergency Fund_ section on the _X-ray_ page
+
 ### Changed
 
 - Improved the check for duplicates in the preview step of the activities import (regardless of the account)

apps/api/src/app/portfolio/portfolio.service.ts

@@ -12,6 +12,7 @@ import { CurrencyClusterRiskBaseCurrencyCurrentInvestment } from '@ghostfolio/ap
 import { CurrencyClusterRiskCurrentInvestment } from '@ghostfolio/api/models/rules/currency-cluster-risk/current-investment';
 import { EconomicMarketClusterRiskDevelopedMarkets } from '@ghostfolio/api/models/rules/economic-market-cluster-risk/developed-markets';
 import { EconomicMarketClusterRiskEmergingMarkets } from '@ghostfolio/api/models/rules/economic-market-cluster-risk/emerging-markets';
+import { EmergencyFundCoverage } from '@ghostfolio/api/models/rules/emergency-fund/emergency-fund-coverage';
 import { EmergencyFundSetup } from '@ghostfolio/api/models/rules/emergency-fund/emergency-fund-setup';
 import { FeeRatioTotalInvestmentVolume } from '@ghostfolio/api/models/rules/fees/fee-ratio-total-investment-volume';
 import { BuyingPower } from '@ghostfolio/api/models/rules/liquidity/buying-power';
@@ -1135,6 +1136,22 @@ export class PortfolioService {
         withSummary: true
       });
 
+    // The cash balance of the summary is split into the emergency fund and
+    // the remainder, both denominated in the base currency of the user
+    const cashBalanceInBaseCurrency = new Big(summary.cash)
+      .plus(summary.emergencyFund.cash)
+      .toNumber();
+
+    const emergencyFundInBaseCurrency = userSettings.emergencyFund ?? 0;
+
+    const emergencyFundHoldingsValueInBaseCurrency =
+      this.getEmergencyFundHoldingsValueInBaseCurrency({ holdings });
+
+    const totalEmergencyFundInBaseCurrency = this.getTotalEmergencyFund({
+      emergencyFundHoldingsValueInBaseCurrency,
+      userSettings
+    }).toNumber();
+
     const hasOpenHoldings = Object.keys(holdings).length > 0;
 
     const marketsAdvancedTotalInBaseCurrency = getSum(
@@ -1180,12 +1197,22 @@ export class PortfolioService {
               this.exchangeRateDataService,
               this.i18nService,
               userSettings.language,
-              this.getTotalEmergencyFund({
+              totalEmergencyFundInBaseCurrency
-                userSettings,
+            ),
-                emergencyFundHoldingsValueInBaseCurrency:
+            // The coverage is only meaningful once an emergency fund has been
-                  this.getEmergencyFundHoldingsValueInBaseCurrency({ holdings })
+            // set up, either by an amount or by the tagged holdings
-              }).toNumber()
+            ...(totalEmergencyFundInBaseCurrency > 0
+              ? [
+                  new EmergencyFundCoverage(
+                    this.exchangeRateDataService,
+                    this.i18nService,
+                    userSettings.language,
+                    emergencyFundInBaseCurrency,
+                    emergencyFundHoldingsValueInBaseCurrency,
+                    cashBalanceInBaseCurrency
                   )
+                ]
+              : [])
           ],
           userSettings
         )

apps/api/src/app/user/user.service.ts

@@ -11,6 +11,7 @@ import { CurrencyClusterRiskBaseCurrencyCurrentInvestment } from '@ghostfolio/ap
 import { CurrencyClusterRiskCurrentInvestment } from '@ghostfolio/api/models/rules/currency-cluster-risk/current-investment';
 import { EconomicMarketClusterRiskDevelopedMarkets } from '@ghostfolio/api/models/rules/economic-market-cluster-risk/developed-markets';
 import { EconomicMarketClusterRiskEmergingMarkets } from '@ghostfolio/api/models/rules/economic-market-cluster-risk/emerging-markets';
+import { EmergencyFundCoverage } from '@ghostfolio/api/models/rules/emergency-fund/emergency-fund-coverage';
 import { EmergencyFundSetup } from '@ghostfolio/api/models/rules/emergency-fund/emergency-fund-setup';
 import { FeeRatioTotalInvestmentVolume } from '@ghostfolio/api/models/rules/fees/fee-ratio-total-investment-volume';
 import { BuyingPower } from '@ghostfolio/api/models/rules/liquidity/buying-power';
@@ -448,6 +449,14 @@ export class UserService {
           undefined,
           undefined
         ).getSettings(user.settings.settings),
+      EmergencyFundCoverage: new EmergencyFundCoverage(
+        undefined,
+        undefined,
+        undefined,
+        undefined,
+        undefined,
+        undefined
+      ).getSettings(user.settings.settings),
       EmergencyFundSetup: new EmergencyFundSetup(
         undefined,
         undefined,

apps/api/src/models/rules/emergency-fund/emergency-fund-coverage.ts

@@ -0,0 +1,110 @@
+import { Rule } from '@ghostfolio/api/models/rule';
+import { ExchangeRateDataService } from '@ghostfolio/api/services/exchange-rate-data/exchange-rate-data.service';
+import { I18nService } from '@ghostfolio/api/services/i18n/i18n.service';
+import { DEFAULT_CURRENCY, DEFAULT_LOCALE } from '@ghostfolio/common/config';
+import { RuleSettings, UserSettings } from '@ghostfolio/common/interfaces';
+
+import { Big } from 'big.js';
+
+export class EmergencyFundCoverage extends Rule<Settings> {
+  public constructor(
+    exchangeRateDataService: ExchangeRateDataService,
+    private i18nService: I18nService,
+    languageCode: string,
+    private emergencyFundInBaseCurrency: number,
+    private emergencyFundHoldingsValueInBaseCurrency: number,
+    private cashBalanceInBaseCurrency: number
+  ) {
+    super(exchangeRateDataService, {
+      languageCode,
+      key: EmergencyFundCoverage.name
+    });
+  }
+
+  public evaluate(ruleSettings: Settings) {
+    if (!this.emergencyFundInBaseCurrency) {
+      return {
+        evaluation: this.i18nService.getTranslation({
+          id: 'rule.emergencyFundCoverage.false.unset',
+          languageCode: this.getLanguageCode()
+        }),
+        value: false
+      };
+    }
+
+    const placeholders = {
+      baseCurrency: ruleSettings.baseCurrency,
+      emergencyFund: this.emergencyFundInBaseCurrency.toLocaleString(
+        ruleSettings.locale
+      )
+    };
+
+    // Only the holdings tagged as emergency fund are an explicit commitment,
+    // the cash balance covers the remainder
+    if (
+      new Big(this.emergencyFundHoldingsValueInBaseCurrency).gt(
+        this.emergencyFundInBaseCurrency
+      )
+    ) {
+      return {
+        evaluation: this.i18nService.getTranslation({
+          placeholders,
+          id: 'rule.emergencyFundCoverage.false.over',
+          languageCode: this.getLanguageCode()
+        }),
+        value: false
+      };
+    }
+
+    const coverageInBaseCurrency = new Big(
+      this.emergencyFundHoldingsValueInBaseCurrency
+    ).plus(this.cashBalanceInBaseCurrency);
+
+    if (coverageInBaseCurrency.lt(this.emergencyFundInBaseCurrency)) {
+      return {
+        evaluation: this.i18nService.getTranslation({
+          placeholders,
+          id: 'rule.emergencyFundCoverage.false.under',
+          languageCode: this.getLanguageCode()
+        }),
+        value: false
+      };
+    }
+
+    return {
+      evaluation: this.i18nService.getTranslation({
+        placeholders,
+        id: 'rule.emergencyFundCoverage.true',
+        languageCode: this.getLanguageCode()
+      }),
+      value: true
+    };
+  }
+
+  public getConfiguration() {
+    return undefined;
+  }
+
+  public getName() {
+    return this.i18nService.getTranslation({
+      id: 'rule.emergencyFundCoverage',
+      languageCode: this.getLanguageCode()
+    });
+  }
+
+  public getSettings({
+    baseCurrency = DEFAULT_CURRENCY,
+    locale = DEFAULT_LOCALE,
+    xRayRules
+  }: UserSettings): Settings {
+    return {
+      baseCurrency,
+      locale,
+      isActive: xRayRules?.[this.getKey()]?.isActive ?? true
+    };
+  }
+}
+
+interface Settings extends RuleSettings {
+  baseCurrency: string;
+}

apps/api/src/services/i18n/i18n.service.ts

@@ -45,7 +45,10 @@ export class I18nService implements OnModuleInit {
 
     if (placeholders) {
       for (const [key, value] of Object.entries(placeholders)) {
-        translatedText = translatedText.replace(`\${${key}}`, String(value));
+        translatedText = translatedText.replace(
+          new RegExp(`\\$\\{${key}\\}`, 'g'),
+          String(value)
+        );
       }
     }
 

apps/client/src/app/pages/i18n/i18n-page.html

@@ -142,6 +142,22 @@
         ${thresholdMin}% and ${thresholdMax}%
       </li>
       <li i18n="@@rule.emergencyFund.category">Emergency Fund</li>
+      <li i18n="@@rule.emergencyFundCoverage">Coverage</li>
+      <li i18n="@@rule.emergencyFundCoverage.false.over">
+        The assets tagged as emergency fund exceed your emergency fund of
+        $&#123;emergencyFund&#125; $&#123;baseCurrency&#125;
+      </li>
+      <li i18n="@@rule.emergencyFundCoverage.false.under">
+        Your emergency fund of $&#123;emergencyFund&#125;
+        $&#123;baseCurrency&#125; is not covered
+      </li>
+      <li i18n="@@rule.emergencyFundCoverage.false.unset">
+        No emergency fund amount has been set to determine the coverage
+      </li>
+      <li i18n="@@rule.emergencyFundCoverage.true">
+        Your emergency fund of $&#123;emergencyFund&#125;
+        $&#123;baseCurrency&#125; is covered
+      </li>
       <li i18n="@@rule.emergencyFundSetup">Setup</li>
       <li i18n="@@rule.emergencyFundSetup.false">
         No emergency fund has been set up

libs/common/src/lib/interfaces/x-ray-rules-settings.interface.ts

@@ -8,6 +8,7 @@ export interface XRayRulesSettings {
   CurrencyClusterRiskCurrentInvestment?: RuleSettings;
   EconomicMarketClusterRiskDevelopedMarkets?: RuleSettings;
   EconomicMarketClusterRiskEmergingMarkets?: RuleSettings;
+  EmergencyFundCoverage?: RuleSettings;
   EmergencyFundSetup?: RuleSettings;
   FeeRatioTotalInvestmentVolume?: RuleSettings;
   RegionalMarketClusterRiskAsiaPacific?: RuleSettings;