savings_account.hpp

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#pragma once
 
#include "models/accounts/account_base.hpp"
 
namespace financesim {
 
inline Schedule make_savings_schedule() {
    Schedule s;
    s.rate = 30.0;  // Monthly interest calculation
    return s;
}
 
class SavingsAccount : public AccountBase {
public:
    SavingsAccount(std::string id, std::string name,
                   double apy,
                   double initial_balance = 0.0,
                   std::string routing_tag = "savings",
                   Schedule schedule = make_savings_schedule());
    ~SavingsAccount() override = default;
 
    double apy() const { return apy_; }
 
    void initialize(EventBus& bus) override;
    void update(SimTime time) override;
    void finalize() override;
    void reset() override;
 
protected:
    void on_income(const IncomeEvent& event) override;
    void on_expense(const ExpenseEvent& event) override;
 
private:
    void accrue_interest_up_to(SimTime time);
 
    double apy_;
    SimTime last_interest_time_ = 0.0;
};
 
} // namespace financesim