NEWS

---

p0bservations 0.4.0

• liability_tax() now accepts a numeric vector for income_taxable; all output list elements are vectors of the same length. The rowwise() implementation has been replaced with vectorised pmin()/pmax() operations.
• probability_ruin() now accepts numeric vectors for all parameters, which are recycled in the standard R fashion.
• probability_ruin_rate() now uses stats::qgamma() — the exact analytical inverse of the gamma CDF — replacing a numerical binary search. The function now accepts numeric vectors for all parameters. The previous implementation was bounded to spend rates below 5%; this restriction is removed.
• Input validation across all functions now uses classed conditions (e.g. "p0bservations_error_not_numeric") so callers can catch specific error types. The tax_year_end argument in liability_tax() now correctly accepts integer literals (e.g. 2024L).
• The readr package dependency has been removed.

p0bservations 0.3.3

• Add GitHub Action for wasm-related needs

p0bservations 0.3.2

• Add probability_ruin_rate to iterate over probability_ruin so as to find the spend rate that generates the desired probability of retirement ruin

p0bservations 0.3.1

• Tweaking rate_annuity error checks

p0bservations 0.3.0

• Updating tax calculations to contain better error checks and generate many different outputs
• Adding probability_ruin calculation
• Adding rate_annuity to pull UK annuity rates from the internet

p0bservations 0.2.1

• Updating tax calculations in calc_income_net for latest tax year
• Removing get_price_Zoopla
• Updating GitHub Actions to v2

p0bservations 0.2.0

• Enabling tax calculations in different years for calc_income_net

p0bservations 0.1.3

• Making get_price_Zoopla more robust by altering the scraping procedure, using a newer version of rvest
• Adding empty line to end of _pkgdown.yml

p0bservations 0.1.2

• Simplify get_price_Zoopla to reflect new Zoopla page layout. Remove Notes from CRAN check

p0bservations 0.1.1

• Added calc_income_net to perform a simple tax & NI calculation for a UK resident.

p0bservations 0.1.0

• Added a NEWS.md file to track changes to the package.
• Added get_price_Zoopla to retrieve house price estimates for British properties.
• Adding links to github and pkgdown sites