SD App — Roadmap
Section titled “SD App — Roadmap”Summary: Port LevPro leveraged investing analysis to a modern SvelteKit PWA — math-first, with clean separation of backend math library (sd-math), API layer (sd-api), and UI renderer (sd-app).
Principle: Math leads. UI follows. Each track proceeds in strict sequence: strategy (Interest-Only → Term Loan) × geography (Canada → US) × period (Annual → Monthly).
External Prerequisite
Section titled “External Prerequisite”Asset-History (~/projects/asset-history/) is a separate project that provides historical market data (prices, dividends) for any financial app. It is a prerequisite for Phase M2 (historical analysis). Develop and stabilize asset-history before starting M2.
How Tracks Relate
Section titled “How Tracks Relate”Track M (Math) → Track A (API) → Track U (UI)
Math phases lead. Track A and U work can begin once corresponding Math phases are stable.
Track M — Math Library (packages/sd-math)
Section titled “Track M — Math Library (packages/sd-math)”Pure Python. All leveraged investing analysis. No UI. No API concerns. Sequence: Interest-Only → Term Loan. Geography: Canada → US. Period: Annual → Monthly. All analysis is for unsheltered, taxable accounts until Phase M5.
Phase M1 — Interest-Only: Annual Projections ✅ Complete
Section titled “Phase M1 — Interest-Only: Annual Projections ✅ Complete”- Task-1: Canada — VB6 port + golden fixtures + pytest ✅
- Task-2: US — tax model + golden fixtures + pytest ✅
Phase M2 — Interest-Only: Historical Analysis ✅ Complete
Section titled “Phase M2 — Interest-Only: Historical Analysis ✅ Complete”(Prerequisite: asset-history project stable)
- Task-1: Historical analysis, Canada (annual) ✅
- Task-2: Historical analysis, US (annual) ✅
- Task-3: Integrate historical return compositions into annual projections (future)
Phase M3 — Term Loans: Annual Projections + Historical ✅ Complete
Section titled “Phase M3 — Term Loans: Annual Projections + Historical ✅ Complete”- Task-1: Projections, Canada ✅
- Task-2: Projections, US ✅
- Task-3: Historical analysis, Canada (annual) ✅
- Task-4: Historical analysis, US (annual) ✅
Phase M4 — Monthly Cash Flows ✅ Complete
Section titled “Phase M4 — Monthly Cash Flows ✅ Complete”(Upgrade all existing strategies to monthly period)
- Task-1: Interest-Only monthly — projections (CA + US) ✅ + historical monthly ✅
- Task-2: Term Loan monthly — projections (CA + US) ✅ + historical monthly ✅
Phase M5 — Audit Artifacts ⬜
Section titled “Phase M5 — Audit Artifacts ⬜”(World-class testing, documentation, and accuracy audit — for large partnerships (NDA) and personal confidence)
- Task-1: Enhanced first-principles testing of all strategies
- Task-2: Cross-validation against other leveraged investing software where available
- Task-3: Accuracy audit documentation (partner-ready, NDA-compatible)
Phase M6 — Structure Upgrades + Future Strategies ⬜
Section titled “Phase M6 — Structure Upgrades + Future Strategies ⬜”- Task-1: Account types (taxable, registered, tax-free)
- Task-2: Additional strategies (Smith Maneuver, LifeCycle Investing, Debt Swap, combo strategies, Return of Capital distributions)
- Task-3: Performance optimization (parallel execution, Monte Carlo)
- Task-4: Big Rocks (80/20) analysis — which inputs most impact wealth outcome
- Task-5: Ikigai-Impact analysis — optimal strategies accounting for simplicity, confidence, friction, risk
- Task-6: Model Australian taxation (very investor friendly)
Track A — API Layer (packages/sd-api)
Section titled “Track A — API Layer (packages/sd-api)”FastAPI backend. Consumes sd-math. Serves snapshot JSON and live calculations. Begins after M1 is complete.
Phase A1 — FastAPI Backend 🟡 Active
Section titled “Phase A1 — FastAPI Backend 🟡 Active”- Task-1: Project scaffold (sd-api package) ✅
- Task-2: Interest-only + term loan endpoints (CA + US, annual + monthly) ✅
- Task-3: Historical data endpoints ✅
- Task-4: Deployment (Railway + Cloudflare)
- Task-5: CI/CD pipeline
Phase A2 — Auth + Scale ⬜
Section titled “Phase A2 — Auth + Scale ⬜”- Task-1: Auth gate (when needed)
- Task-2: CI/CD pipeline
Track U — UI Renderer (apps/sd-app)
Section titled “Track U — UI Renderer (apps/sd-app)”SvelteKit PWA. Renders pre-calculated snapshot JSON or live API results. v1 focus: Interest-Only only (Term Loan excluded from initial teasers — adds complexity without proportional benefit). Full UI roadmap deferred — will be planned when math + API tracks are stable.
Phase U1 — SD Snapshot (Demo Teaser) 🟡 Active
Section titled “Phase U1 — SD Snapshot (Demo Teaser) 🟡 Active”- Task-1: sd-math Python library + VB6 port ✅
- Task-2: Golden fixtures (LevPro validation) ✅
- Task-3: SvelteKit renderers (int-only + term-loan, CA/EN + CA/FR) ✅
- Task-4: Snapshot normalization ($500/month gross basis) ✅
- Task-5: Output simplification + “See All” progressive disclosure
- Task-6: Optional — live API form inputs (interest rate / monthly amount)
Phase U2+ — Deferred ⬜
Section titled “Phase U2+ — Deferred ⬜”(Planning deferred until math + API tracks are stable. Will include: “If I had used $MART DEBT” teasers, live calculator, US routes, advisor tools, sdc.com integration.)
Future Upgrades
Section titled “Future Upgrades”See UPGRADES.md for expansion ideas (demand-driven). Notable candidates:
- Before-Tax Thinking/Trap vs After-Tax Truth (one-click contrast)
- PDFs + advisor components
- Embeddable snapshot for sdc.com
- $MART DEBT micro-app embeddable components to allow simplified analysis of single strategies