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<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8">
<meta name="viewport" content="width=device-width, initial-scale=1.0">
<title>FinWise — Calculators</title>
<link rel="stylesheet" href="shared.css">
<script src="https://cdn.jsdelivr.net/npm/chart.js@4.4.0/dist/chart.umd.min.js"></script>
<style>
.calc-tabs {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 28px;
}
.calc-tab {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 12px 20px;
  border-radius: var(--r);
  border: 1px solid var(--border);
  background: var(--card);
  color: var(--text2);
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
}
.calc-tab:hover { border-color: var(--border2); color: var(--text); transform: translateY(-1px); }
.calc-tab.active {
  border-color: var(--cyan);
  background: rgba(34,211,238,0.08);
  color: var(--cyan);
  box-shadow: var(--glow-c);
}
.calc-tab-icon { font-size: 20px; }

.calc-panel { display: none; }
.calc-panel.active { display: block; }

.result-hero {
  text-align: center;
  padding: 32px 20px;
  background: linear-gradient(135deg, rgba(34,211,238,0.06), rgba(16,185,129,0.04));
  border: 1px solid var(--border2);
  border-radius: var(--r-lg);
  margin-bottom: 24px;
  position: relative;
  overflow: hidden;
}
.result-hero::before {
  content: '';
  position: absolute;
  width: 300px; height: 300px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(34,211,238,0.06) 0%, transparent 70%);
  top: -100px; left: 50%;
  transform: translateX(-50%);
}
.result-label { font-size: 12px; text-transform: uppercase; letter-spacing: 0.12em; color: var(--text2); font-weight: 700; }
.result-value { font-family: var(--font-head); font-size: 52px; font-weight: 800; line-height: 1; margin: 12px 0; }
.result-value.positive { color: var(--emerald); }
.result-sub { font-size: 14px; color: var(--text2); }

.result-breakdown {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 12px;
  margin-bottom: 24px;
}
.rb-box {
  background: var(--bg3);
  border-radius: var(--r-sm);
  padding: 14px;
  text-align: center;
}
.rb-box-label { font-size: 11px; text-transform: uppercase; letter-spacing: 0.08em; color: var(--text2); margin-bottom: 6px; font-weight: 700; }
.rb-box-val   { font-family: var(--font-head); font-size: 20px; font-weight: 800; }

.chart-panel { height: 260px; position: relative; }

.input-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 600px) { .input-row { grid-template-columns: 1fr; } .result-breakdown { grid-template-columns: 1fr 1fr; } }

.preset-pills {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
  margin-bottom: 8px;
}
.preset-pill {
  padding: 4px 10px;
  border-radius: 100px;
  border: 1px solid var(--border2);
  background: transparent;
  color: var(--text2);
  font-size: 12px;
  font-weight: 600;
  cursor: pointer;
  font-family: var(--font-body);
  transition: all var(--transition);
}
.preset-pill:hover { border-color: var(--cyan); color: var(--cyan); }
.preset-pill.active { background: rgba(34,211,238,0.1); border-color: var(--cyan); color: var(--cyan); }

.milestone-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  gap: 10px;
  margin-top: 16px;
}
.milestone-card {
  background: var(--bg3);
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  padding: 14px;
  text-align: center;
  transition: all var(--transition);
}
.milestone-card.reached {
  border-color: var(--emerald);
  background: rgba(16,185,129,0.07);
}
.milestone-card.reached .ms-icon { filter: none; }
.milestone-icon { font-size: 28px; margin-bottom: 6px; filter: grayscale(0.7); }
.milestone-val  { font-family: var(--font-head); font-size: 18px; font-weight: 800; margin-bottom: 4px; }
.milestone-lbl  { font-size: 11px; color: var(--text2); }
.milestone-yr   { font-size: 10px; color: var(--emerald); margin-top: 4px; font-weight: 700; }

.compare-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top:16px; }
.compare-box {
  background: var(--bg3);
  border-radius: var(--r-sm);
  padding: 16px;
  text-align: center;
  border: 1px solid var(--border);
}
.cb-label { font-size: 12px; color: var(--text2); margin-bottom: 8px; font-weight: 600; }
.cb-val   { font-family: var(--font-head); font-size: 24px; font-weight: 800; }

.sip-frequency {
  display: flex;
  gap: 8px;
  margin-bottom: 16px;
}
.freq-btn {
  flex: 1;
  padding: 10px;
  border-radius: var(--r-sm);
  border: 1px solid var(--border);
  background: transparent;
  color: var(--text2);
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition);
}
.freq-btn.active { border-color: var(--cyan); background: rgba(34,211,238,0.1); color: var(--cyan); }

.inflation-impact {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 16px;
  background: var(--bg3);
  border-radius: var(--r-sm);
  border-left: 3px solid var(--rose);
  margin-bottom: 16px;
}
.inf-icon { font-size: 32px; }
.inf-text { flex: 1; }
.inf-title { font-weight: 700; margin-bottom: 4px; }
.inf-desc  { font-size: 13px; color: var(--text2); }
</style>
</head>
<body>
<div class="app-shell">
  <nav class="sidebar">
    <div class="sidebar-logo">
      <div class="logo-mark">
        <div class="logo-icon">📈</div>
        <div><div class="logo-text">FinWise</div><div class="logo-sub">Smart Investing</div></div>
      </div>
    </div>
    <div class="nav-section">
      <div class="nav-label">Main</div>
      <a href="index.html"       class="nav-item"><span class="nav-icon">🏠</span> Dashboard</a>
      <a href="portfolio.html"   class="nav-item"><span class="nav-icon">📊</span> Portfolio Builder</a>
      <a href="risk.html"        class="nav-item"><span class="nav-icon">🎯</span> Risk Analyzer</a>
      <a href="tracker.html"     class="nav-item"><span class="nav-icon">📈</span> Tracker</a>
      <div class="nav-label">Tools</div>
      <a href="calculators.html" class="nav-item"><span class="nav-icon">🧮</span> Calculators</a>
      <a href="insights.html"    class="nav-item"><span class="nav-icon">💡</span> Insights</a>
    </div>
    <div class="sidebar-footer">
      <div class="market-ticker">Live Market</div>
      <div id="sidebar-tickers"></div>
    </div>
  </nav>

  <main class="main-content">
    <div class="page-header fade-in">
      <div class="page-title">Financial <span>Calculators</span></div>
      <div class="page-subtitle">Interactive tools to plan, project, and optimize your wealth</div>
    </div>

    <!-- Calculator Tabs -->
    <div class="calc-tabs fade-in">
      <button class="calc-tab active" data-calc="growth">
        <span class="calc-tab-icon">📈</span> Investment Growth
      </button>
      <button class="calc-tab" data-calc="retirement">
        <span class="calc-tab-icon">🏖️</span> Retirement
      </button>
      <button class="calc-tab" data-calc="sip">
        <span class="calc-tab-icon">🔄</span> SIP / Recurring
      </button>
      <button class="calc-tab" data-calc="inflation">
        <span class="calc-tab-icon">🔥</span> Inflation Impact
      </button>
    </div>

    <!-- ════════════════════════════════════════════════════════════
         CALCULATOR 1: Investment Growth
    ════════════════════════════════════════════════════════════ -->
    <div class="calc-panel active fade-in" id="calc-growth">
      <div class="grid-60-40">
        <div>
          <div class="card">
            <div class="section-title">📈 Investment Growth Calculator</div>
            <div class="text-muted text-sm" style="margin-bottom:20px">See how your one-time investment grows over time with compound returns</div>

            <div class="slider-wrap">
              <div class="slider-header"><span class="slider-label">💵 Initial Investment</span><span class="slider-val" id="g-init-val">$10,000</span></div>
              <div class="preset-pills">
                <button class="preset-pill" onclick="setGrowthPreset('g-init',1000)">$1K</button>
                <button class="preset-pill active" onclick="setGrowthPreset('g-init',10000)">$10K</button>
                <button class="preset-pill" onclick="setGrowthPreset('g-init',25000)">$25K</button>
                <button class="preset-pill" onclick="setGrowthPreset('g-init',50000)">$50K</button>
                <button class="preset-pill" onclick="setGrowthPreset('g-init',100000)">$100K</button>
              </div>
              <input type="range" id="g-init" min="500" max="200000" value="10000" step="500" oninput="calcGrowth()">
            </div>

            <div class="slider-wrap">
              <div class="slider-header"><span class="slider-label">📅 Time Horizon</span><span class="slider-val" id="g-years-val">20 years</span></div>
              <div class="preset-pills">
                <button class="preset-pill" onclick="setGrowthPreset('g-years',5)">5yr</button>
                <button class="preset-pill" onclick="setGrowthPreset('g-years',10)">10yr</button>
                <button class="preset-pill active" onclick="setGrowthPreset('g-years',20)">20yr</button>
                <button class="preset-pill" onclick="setGrowthPreset('g-years',30)">30yr</button>
              </div>
              <input type="range" id="g-years" min="1" max="50" value="20" step="1" oninput="calcGrowth()">
            </div>

            <div class="slider-wrap">
              <div class="slider-header"><span class="slider-label">📊 Annual Return Rate</span><span class="slider-val" id="g-rate-val">8%</span></div>
              <div class="preset-pills">
                <button class="preset-pill" onclick="setGrowthPreset('g-rate',4,'%')">Bonds 4%</button>
                <button class="preset-pill" onclick="setGrowthPreset('g-rate',7,'%')">S&P Avg 7%</button>
                <button class="preset-pill active" onclick="setGrowthPreset('g-rate',8,'%')">Moderate 8%</button>
                <button class="preset-pill" onclick="setGrowthPreset('g-rate',12,'%')">Aggressive 12%</button>
              </div>
              <input type="range" id="g-rate" min="1" max="25" value="8" step="0.5" oninput="calcGrowth()">
            </div>

            <div class="slider-wrap">
              <div class="slider-header"><span class="slider-label">📆 Compound Frequency</span><span class="slider-val" id="g-compound-val">Annually</span></div>
              <input type="range" id="g-compound" min="1" max="12" value="1" step="1" oninput="calcGrowth()">
              <div style="display:flex;justify-content:space-between;font-size:11px;color:var(--text3);margin-top:4px">
                <span>Annually</span><span>Quarterly</span><span>Monthly</span>
              </div>
            </div>
          </div>
        </div>

        <div>
          <div class="result-hero">
            <div class="result-label">Future Value</div>
            <div class="result-value positive" id="g-future">$0</div>
            <div class="result-sub" id="g-sub">You'd earn <strong id="g-profit">$0</strong> in profit</div>
          </div>

          <div class="result-breakdown">
            <div class="rb-box">
              <div class="rb-box-label">Invested</div>
              <div class="rb-box-val" id="g-rb-invested">$0</div>
            </div>
            <div class="rb-box">
              <div class="rb-box-label">Earnings</div>
              <div class="rb-box-val" style="color:var(--emerald)" id="g-rb-earn">$0</div>
            </div>
            <div class="rb-box">
              <div class="rb-box-label">Total Return</div>
              <div class="rb-box-val" style="color:var(--cyan)" id="g-rb-pct">0%</div>
            </div>
          </div>

          <div class="card" style="padding:16px">
            <div class="card-title">📊 Growth Over Time</div>
            <div class="chart-panel">
              <canvas id="growthChart"></canvas>
            </div>
          </div>

          <!-- Milestones -->
          <div class="card" style="margin-top:16px;padding:16px">
            <div class="card-title">🏆 Milestones</div>
            <div class="milestone-grid" id="milestones-grid"></div>
          </div>
        </div>
      </div>
    </div>

    <!-- ════════════════════════════════════════════════════════════
         CALCULATOR 2: Retirement
    ════════════════════════════════════════════════════════════ -->
    <div class="calc-panel" id="calc-retirement">
      <div class="grid-60-40">
        <div>
          <div class="card">
            <div class="section-title">🏖️ Retirement Calculator</div>
            <div class="text-muted text-sm" style="margin-bottom:20px">Plan your retirement savings and see if you're on track</div>

            <div class="input-row" style="margin-bottom:16px">
              <div class="field-group">
                <label class="field-label">Current Age</label>
                <input type="number" id="ret-age" value="30" min="18" max="80" oninput="calcRetirement()">
              </div>
              <div class="field-group">
                <label class="field-label">Retirement Age</label>
                <input type="number" id="ret-age2" value="65" min="40" max="85" oninput="calcRetirement()">
              </div>
            </div>

            <div class="slider-wrap">
              <div class="slider-header"><span class="slider-label">💰 Current Savings</span><span class="slider-val" id="ret-saved-val">$15,000</span></div>
              <input type="range" id="ret-saved" min="0" max="500000" value="15000" step="1000" oninput="calcRetirement()">
            </div>

            <div class="slider-wrap">
              <div class="slider-header"><span class="slider-label">📅 Monthly Contribution</span><span class="slider-val" id="ret-monthly-val">$500/mo</span></div>
              <input type="range" id="ret-monthly" min="50" max="5000" value="500" step="50" oninput="calcRetirement()">
            </div>

            <div class="slider-wrap">
              <div class="slider-header"><span class="slider-label">📈 Annual Return</span><span class="slider-val" id="ret-rate-val">7%</span></div>
              <input type="range" id="ret-rate" min="2" max="15" value="7" step="0.5" oninput="calcRetirement()">
            </div>

            <div class="slider-wrap">
              <div class="slider-header"><span class="slider-label">🏦 Desired Monthly Income in Retirement</span><span class="slider-val" id="ret-need-val">$4,000/mo</span></div>
              <input type="range" id="ret-need" min="1000" max="20000" value="4000" step="500" oninput="calcRetirement()">
            </div>
          </div>
        </div>

        <div>
          <div class="result-hero">
            <div class="result-label">Retirement Nest Egg</div>
            <div class="result-value positive" id="ret-future">$0</div>
            <div class="result-sub" id="ret-status">—</div>
          </div>

          <div class="result-breakdown">
            <div class="rb-box">
              <div class="rb-box-label">Years to Retire</div>
              <div class="rb-box-val" style="color:var(--amber)" id="ret-rb-years">0</div>
            </div>
            <div class="rb-box">
              <div class="rb-box-label">Monthly Draw</div>
              <div class="rb-box-val" style="color:var(--cyan)" id="ret-rb-draw">$0/mo</div>
            </div>
            <div class="rb-box">
              <div class="rb-box-label">Fund Duration</div>
              <div class="rb-box-val" style="color:var(--emerald)" id="ret-rb-dur">0 yrs</div>
            </div>
          </div>

          <div class="card" style="padding:16px">
            <div class="card-title">📊 Savings Trajectory</div>
            <div class="chart-panel">
              <canvas id="retChart"></canvas>
            </div>
          </div>

          <div id="ret-on-track-box" style="margin-top:16px;padding:16px;border-radius:var(--r-sm);border:1px solid"></div>
        </div>
      </div>
    </div>

    <!-- ════════════════════════════════════════════════════════════
         CALCULATOR 3: SIP / Recurring
    ════════════════════════════════════════════════════════════ -->
    <div class="calc-panel" id="calc-sip">
      <div class="grid-60-40">
        <div>
          <div class="card">
            <div class="section-title">🔄 SIP / Recurring Investment</div>
            <div class="text-muted text-sm" style="margin-bottom:16px">How regular investments compound over time</div>

            <div style="margin-bottom:16px">
              <div class="field-label" style="margin-bottom:8px">Contribution Frequency</div>
              <div class="sip-frequency">
                <button class="freq-btn" onclick="setSipFreq('weekly',this)">Weekly</button>
                <button class="freq-btn active" onclick="setSipFreq('monthly',this)">Monthly</button>
                <button class="freq-btn" onclick="setSipFreq('quarterly',this)">Quarterly</button>
                <button class="freq-btn" onclick="setSipFreq('annually',this)">Annually</button>
              </div>
            </div>

            <div class="slider-wrap">
              <div class="slider-header"><span class="slider-label">💵 Contribution Amount</span><span class="slider-val" id="sip-amount-val">$300/mo</span></div>
              <div class="preset-pills">
                <button class="preset-pill" onclick="setSipPreset('sip-amount',100)">$100</button>
                <button class="preset-pill active" onclick="setSipPreset('sip-amount',300)">$300</button>
                <button class="preset-pill" onclick="setSipPreset('sip-amount',500)">$500</button>
                <button class="preset-pill" onclick="setSipPreset('sip-amount',1000)">$1K</button>
              </div>
              <input type="range" id="sip-amount" min="10" max="5000" value="300" step="10" oninput="calcSIP()">
            </div>

            <div class="slider-wrap">
              <div class="slider-header"><span class="slider-label">📅 Duration</span><span class="slider-val" id="sip-years-val">15 years</span></div>
              <input type="range" id="sip-years" min="1" max="40" value="15" step="1" oninput="calcSIP()">
            </div>

            <div class="slider-wrap">
              <div class="slider-header"><span class="slider-label">📊 Expected Return</span><span class="slider-val" id="sip-rate-val">9%</span></div>
              <input type="range" id="sip-rate" min="2" max="20" value="9" step="0.5" oninput="calcSIP()">
            </div>

            <div class="slider-wrap">
              <div class="slider-header"><span class="slider-label">📈 Annual Step-Up %</span><span class="slider-val" id="sip-stepup-val">0%</span></div>
              <input type="range" id="sip-stepup" min="0" max="20" value="0" step="1" oninput="calcSIP()">
              <div class="text-muted text-sm" style="margin-top:4px">Increase contribution amount each year by this %</div>
            </div>
          </div>
        </div>

        <div>
          <div class="result-hero">
            <div class="result-label">Total Wealth Created</div>
            <div class="result-value positive" id="sip-future">$0</div>
            <div class="result-sub">Total invested: <strong id="sip-invested">$0</strong></div>
          </div>

          <div class="result-breakdown">
            <div class="rb-box">
              <div class="rb-box-label">Invested</div>
              <div class="rb-box-val" id="sip-rb-inv">$0</div>
            </div>
            <div class="rb-box">
              <div class="rb-box-label">Gains</div>
              <div class="rb-box-val" style="color:var(--emerald)" id="sip-rb-gain">$0</div>
            </div>
            <div class="rb-box">
              <div class="rb-box-label">Gain %</div>
              <div class="rb-box-val" style="color:var(--cyan)" id="sip-rb-pct">0%</div>
            </div>
          </div>

          <div class="card" style="padding:16px">
            <div class="card-title">📊 Contribution vs Growth</div>
            <div class="chart-panel">
              <canvas id="sipChart"></canvas>
            </div>
          </div>

          <div class="compare-grid">
            <div class="compare-box">
              <div class="cb-label">💤 Without Investing<br>(under mattress)</div>
              <div class="cb-val" id="sip-no-invest" style="color:var(--rose)">$0</div>
            </div>
            <div class="compare-box">
              <div class="cb-label">📈 With Investing<br>(your strategy)</div>
              <div class="cb-val" id="sip-with-invest" style="color:var(--emerald)">$0</div>
            </div>
          </div>
        </div>
      </div>
    </div>

    <!-- ════════════════════════════════════════════════════════════
         CALCULATOR 4: Inflation Impact
    ════════════════════════════════════════════════════════════ -->
    <div class="calc-panel" id="calc-inflation">
      <div class="grid-60-40">
        <div>
          <div class="card">
            <div class="section-title">🔥 Inflation Impact Calculator</div>
            <div class="text-muted text-sm" style="margin-bottom:20px">Understand how inflation erodes your money's purchasing power</div>

            <div class="slider-wrap">
              <div class="slider-header"><span class="slider-label">💵 Amount Today</span><span class="slider-val" id="inf-amount-val">$10,000</span></div>
              <div class="preset-pills">
                <button class="preset-pill" onclick="setInfPreset('inf-amount',5000)">$5K</button>
                <button class="preset-pill active" onclick="setInfPreset('inf-amount',10000)">$10K</button>
                <button class="preset-pill" onclick="setInfPreset('inf-amount',50000)">$50K</button>
                <button class="preset-pill" onclick="setInfPreset('inf-amount',100000)">$100K</button>
              </div>
              <input type="range" id="inf-amount" min="1000" max="500000" value="10000" step="1000" oninput="calcInflation()">
            </div>

            <div class="slider-wrap">
              <div class="slider-header"><span class="slider-label">📅 Years Ahead</span><span class="slider-val" id="inf-years-val">20 years</span></div>
              <input type="range" id="inf-years" min="1" max="50" value="20" step="1" oninput="calcInflation()">
            </div>

            <div class="slider-wrap">
              <div class="slider-header"><span class="slider-label">🔥 Annual Inflation Rate</span><span class="slider-val" id="inf-rate-val">3.5%</span></div>
              <div class="preset-pills">
                <button class="preset-pill" onclick="setInfPreset('inf-rate',2)">Low 2%</button>
                <button class="preset-pill active" onclick="setInfPreset('inf-rate',3.5)">Average 3.5%</button>
                <button class="preset-pill" onclick="setInfPreset('inf-rate',6)">High 6%</button>
                <button class="preset-pill" onclick="setInfPreset('inf-rate',10)">Crisis 10%</button>
              </div>
              <input type="range" id="inf-rate" min="0.5" max="15" value="3.5" step="0.5" oninput="calcInflation()">
            </div>

            <div class="slider-wrap">
              <div class="slider-header"><span class="slider-label">📈 Investment Return Rate</span><span class="slider-val" id="inf-invest-val">7%</span></div>
              <input type="range" id="inf-invest" min="0" max="20" value="7" step="0.5" oninput="calcInflation()">
              <div class="text-muted text-sm" style="margin-top:4px">If you invest vs keep as cash</div>
            </div>
          </div>
        </div>

        <div>
          <div class="inflation-impact">
            <div class="inf-icon">💸</div>
            <div class="inf-text">
              <div class="inf-title">Purchasing Power Loss</div>
              <div class="inf-desc">Your money <strong id="inf-today">$10,000</strong> today will only be worth <strong id="inf-future-worth" style="color:var(--rose)">—</strong> in real terms after <span id="inf-years-txt">20</span> years.</div>
            </div>
          </div>

          <div class="result-hero">
            <div class="result-label">Inflation-Adjusted Value</div>
            <div class="result-value" id="inf-result" style="color:var(--rose)">$0</div>
            <div class="result-sub">Real purchasing power loss: <strong id="inf-loss" style="color:var(--rose)">$0</strong></div>
          </div>

          <div class="result-breakdown">
            <div class="rb-box">
              <div class="rb-box-label">Nominal Value</div>
              <div class="rb-box-val" id="inf-rb-nom">$0</div>
            </div>
            <div class="rb-box">
              <div class="rb-box-label">Real Value</div>
              <div class="rb-box-val" style="color:var(--rose)" id="inf-rb-real">$0</div>
            </div>
            <div class="rb-box">
              <div class="rb-box-label">If Invested</div>
              <div class="rb-box-val" style="color:var(--emerald)" id="inf-rb-inv">$0</div>
            </div>
          </div>

          <div class="card" style="padding:16px">
            <div class="card-title">📊 Cash vs Invested vs Inflation</div>
            <div class="chart-panel">
              <canvas id="infChart"></canvas>
            </div>
          </div>
        </div>
      </div>
    </div>

  </main>
</div>

<nav class="bottom-nav">
  <div class="bottom-nav-inner">
    <a href="index.html"       class="bottom-nav-item"><span class="bnav-icon">🏠</span>Home</a>
    <a href="portfolio.html"   class="bottom-nav-item"><span class="bnav-icon">📊</span>Portfolio</a>
    <a href="risk.html"        class="bottom-nav-item"><span class="bnav-icon">🎯</span>Risk</a>
    <a href="tracker.html"     class="bottom-nav-item"><span class="bnav-icon">📈</span>Track</a>
    <a href="calculators.html" class="bottom-nav-item"><span class="bnav-icon">🧮</span>Calc</a>
    <a href="insights.html"    class="bottom-nav-item"><span class="bnav-icon">💡</span>Insights</a>
  </div>
</nav>

<script src="shared.js"></script>
<script>
// ══ Tab Switching ═════════════════════════════════════════════════
document.querySelectorAll('.calc-tab').forEach(btn => {
  btn.addEventListener('click', () => {
    document.querySelectorAll('.calc-tab,.calc-panel').forEach(el => el.classList.remove('active'));
    btn.classList.add('active');
    document.getElementById('calc-' + btn.dataset.calc).classList.add('active');
    setTimeout(() => { calcGrowth(); calcRetirement(); calcSIP(); calcInflation(); }, 50);
  });
});

// ══ Shared helpers ════════════════════════════════════════════════
let growthChart=null, retChart=null, sipChart=null, infChart=null;
let sipFreq = 'monthly'; // periods per year
const FREQ_MAP = { weekly:52, monthly:12, quarterly:4, annually:1 };
const FREQ_LABEL = { weekly:'wk', monthly:'mo', quarterly:'qtr', annually:'yr' };

function sliderSync(id, labelId, prefix='$', suffix='', scale=1, decimals=0) {
  const el = document.getElementById(id);
  const lbl = document.getElementById(labelId);
  const update = () => {
    const v = parseFloat(el.value) * scale;
    lbl.textContent = prefix + (decimals ? v.toFixed(decimals) : Math.round(v).toLocaleString()) + suffix;
  };
  el.addEventListener('input', update);
}

// ══ CALCULATOR 1: Investment Growth ═══════════════════════════════
function setGrowthPreset(id, val, unit) {
  document.getElementById(id).value = val;
  calcGrowth();
}
function setSipPreset(id, val) { document.getElementById(id).value = val; calcSIP(); }
function setInfPreset(id, val) { document.getElementById(id).value = val; calcInflation(); }

function calcGrowth() {
  const P = parseFloat(document.getElementById('g-init').value);
  const n = parseInt(document.getElementById('g-years').value);
  const r = parseFloat(document.getElementById('g-rate').value) / 100;
  const c = parseInt(document.getElementById('g-compound').value);

  document.getElementById('g-init-val').textContent = '$' + P.toLocaleString();
  document.getElementById('g-years-val').textContent = n + ' year' + (n===1?'':'s');
  const compoundLabels = {1:'Annually',2:'Semi-annually',3:'Tri-annually',4:'Quarterly',6:'Bi-monthly',12:'Monthly'};
  document.getElementById('g-compound-val').textContent = compoundLabels[c] || c + 'x/yr';
  document.getElementById('g-rate-val').textContent = r*100 + '%';

  const FV = P * Math.pow(1 + r/c, c*n);
  const profit = FV - P;
  const pct = (profit/P)*100;

  document.getElementById('g-future').textContent = fmt$(FV);
  document.getElementById('g-profit').textContent = fmt$(profit);
  document.getElementById('g-rb-invested').textContent = fmt$(P);
  document.getElementById('g-rb-earn').textContent    = fmt$(profit);
  document.getElementById('g-rb-pct').textContent     = '+' + pct.toFixed(1) + '%';

  // Chart data
  const years = Array.from({length:n+1},(_,i)=>i);
  const vals  = years.map(y => P * Math.pow(1+r/c, c*y));
  const invested = years.map(() => P);

  if (growthChart) growthChart.destroy();
  const ctx = document.getElementById('growthChart').getContext('2d');
  const grad = ctx.createLinearGradient(0,0,0,260);
  grad.addColorStop(0,'rgba(16,185,129,0.35)'); grad.addColorStop(1,'rgba(16,185,129,0)');

  growthChart = new Chart(ctx, {
    type:'line',
    data:{
      labels: years.map(y => 'Yr '+y),
      datasets:[
        { label:'Portfolio Value', data:vals, borderColor:'#10b981', backgroundColor:grad, borderWidth:2.5, fill:true, tension:0.4, pointRadius:0 },
        { label:'Amount Invested', data:invested, borderColor:'rgba(34,211,238,0.5)', borderDash:[5,5], borderWidth:1.5, fill:false, pointRadius:0, tension:0 }
      ]
    },
    options:{ responsive:true, maintainAspectRatio:false,
      plugins:{ legend:{ labels:{font:{size:11}} },
        tooltip:{ callbacks:{ label: ctx => ' '+fmt$(ctx.raw) } } },
      scales:{
        x:{ grid:{display:false}, ticks:{maxTicksLimit:8,font:{size:11}} },
        y:{ grid:{color:'rgba(34,211,238,0.06)'}, ticks:{ callback:v=>'$'+(v/1000).toFixed(0)+'K', font:{size:11} } }
      }
    }
  });

  // Milestones
  const milestones = [
    { icon:'💯', label:'2× Money',   target:P*2  },
    { icon:'🚀', label:'5× Money',   target:P*5  },
    { icon:'💎', label:'10× Money',  target:P*10 },
    { icon:'🌟', label:'$100K',       target:100000 },
    { icon:'🏆', label:'$250K',       target:250000 },
    { icon:'👑', label:'$1M',         target:1000000 },
  ];
  document.getElementById('milestones-grid').innerHTML = milestones.map(m => {
    const reached = FV >= m.target;
    const yearsTo = reached ? Math.log(m.target/P) / (c * Math.log(1+r/c)) : null;
    return `
      <div class="milestone-card ${reached?'reached':''}">
        <div class="milestone-icon">${m.icon}</div>
        <div class="milestone-val">${m.label}</div>
        <div class="milestone-lbl">${fmt$(m.target)}</div>
        ${reached ? `<div class="milestone-yr">✅ ~Yr ${Math.round(yearsTo)}</div>` : `<div class="milestone-yr" style="color:var(--text3)">Not reached</div>`}
      </div>`;
  }).join('');
}

// ══ CALCULATOR 2: Retirement ══════════════════════════════════════
function calcRetirement() {
  const age    = parseInt(document.getElementById('ret-age').value) || 30;
  const retAge = parseInt(document.getElementById('ret-age2').value) || 65;
  const saved  = parseFloat(document.getElementById('ret-saved').value);
  const mo     = parseFloat(document.getElementById('ret-monthly').value);
  const r      = parseFloat(document.getElementById('ret-rate').value)/100;
  const need   = parseFloat(document.getElementById('ret-need').value);

  document.getElementById('ret-saved-val').textContent   = '$'+saved.toLocaleString();
  document.getElementById('ret-monthly-val').textContent = '$'+mo.toLocaleString()+'/mo';
  document.getElementById('ret-rate-val').textContent    = r*100 + '%';
  document.getElementById('ret-need-val').textContent    = '$'+need.toLocaleString()+'/mo';

  const years  = Math.max(retAge - age, 1);
  const rMo    = r/12;
  const FV_existing = saved * Math.pow(1+r, years);
  const FV_contrib  = mo * ((Math.pow(1+rMo, years*12)-1)/rMo);
  const total  = FV_existing + FV_contrib;
  const annualy = need * 12;
  const fundDur = total > 0 ? Math.log(1 - (annualy * (1-(1+r/4))) / (total * (r/4))) / Math.log(1+r/4) * (-1) : 0;
  const safeDrawdown = total * 0.04 / 12;
  const onTrack = total >= annualy * 25;

  document.getElementById('ret-future').textContent = fmt$(total);
  document.getElementById('ret-rb-years').textContent = years + ' yrs';
  document.getElementById('ret-rb-draw').textContent  = '$' + Math.round(safeDrawdown).toLocaleString() + '/mo';
  document.getElementById('ret-rb-dur').textContent   = Math.round(Math.max(fundDur,0)) + ' yrs';

  const box = document.getElementById('ret-on-track-box');
  if (onTrack) {
    box.style.cssText = 'padding:16px;border-radius:var(--r-sm);border:1px solid rgba(16,185,129,0.4);background:rgba(16,185,129,0.08)';
    box.innerHTML = `<div style="font-weight:700;color:var(--emerald);margin-bottom:6px">✅ You're on track!</div>
      <div style="font-size:13px;color:var(--text2)">Your projected nest egg supports $${Math.round(safeDrawdown).toLocaleString()}/mo using the 4% rule. That's more than your $${need.toLocaleString()}/mo target.</div>`;
  } else {
    const gap = annualy*25 - total;
    box.style.cssText = 'padding:16px;border-radius:var(--r-sm);border:1px solid rgba(245,158,11,0.4);background:rgba(245,158,11,0.08)';
    box.innerHTML = `<div style="font-weight:700;color:var(--amber);margin-bottom:6px">⚠️ Savings Gap Detected</div>
      <div style="font-size:13px;color:var(--text2)">You're projected to be <strong style="color:var(--amber)">${fmt$(gap)}</strong> short of your retirement goal. Consider increasing contributions by $${Math.round(gap/(years*12)).toLocaleString()}/mo.</div>`;
  }

  document.getElementById('ret-status').textContent = onTrack ? '🎉 On track for retirement!' : `Need ${fmt$(annualy*25)} total`;

  // Chart
  const yrs = Array.from({length:years+1},(_,i)=>i);
  const trajectory = yrs.map(y => {
    const fe = saved * Math.pow(1+r,y);
    const fc = mo * ((Math.pow(1+r/12, y*12)-1)/(r/12));
    return fe+fc;
  });

  if (retChart) retChart.destroy();
  const ctx = document.getElementById('retChart').getContext('2d');
  const grad = ctx.createLinearGradient(0,0,0,260);
  grad.addColorStop(0,'rgba(34,211,238,0.3)'); grad.addColorStop(1,'rgba(34,211,238,0)');

  retChart = new Chart(ctx, {
    type:'line',
    data:{
      labels: yrs.map(y => age+y),
      datasets:[
        { label:'Projected Savings', data:trajectory, borderColor:'#22d3ee', backgroundColor:grad, borderWidth:2.5, fill:true, tension:0.4, pointRadius:0 },
        { label:'Target', data:yrs.map(()=>annualy*25), borderColor:'rgba(245,158,11,0.6)', borderDash:[6,4], borderWidth:1.5, fill:false, pointRadius:0 }
      ]
    },
    options:{ responsive:true, maintainAspectRatio:false,
      plugins:{ legend:{labels:{font:{size:11}}}, tooltip:{ callbacks:{ label:ctx=>' '+fmt$(ctx.raw) } } },
      scales:{
        x:{ grid:{display:false}, ticks:{maxTicksLimit:8,font:{size:11}} },
        y:{ grid:{color:'rgba(34,211,238,0.06)'}, ticks:{ callback:v=>'$'+(v/1000).toFixed(0)+'K', font:{size:11} } }
      }
    }
  });
}

// ══ CALCULATOR 3: SIP ═════════════════════════════════════════════
function setSipFreq(freq, btn) {
  sipFreq = freq;
  document.querySelectorAll('.freq-btn').forEach(b=>b.classList.remove('active'));
  btn.classList.add('active');
  calcSIP();
}

function calcSIP() {
  const amount  = parseFloat(document.getElementById('sip-amount').value);
  const years   = parseInt(document.getElementById('sip-years').value);
  const rate    = parseFloat(document.getElementById('sip-rate').value)/100;
  const stepup  = parseFloat(document.getElementById('sip-stepup').value)/100;
  const n       = FREQ_MAP[sipFreq];
  const lbl     = FREQ_LABEL[sipFreq];

  document.getElementById('sip-amount-val').textContent = '$'+amount.toLocaleString()+'/'+lbl;
  document.getElementById('sip-years-val').textContent  = years + ' year' + (years===1?'':'s');
  document.getElementById('sip-rate-val').textContent   = rate*100 + '%';
  document.getElementById('sip-stepup-val').textContent = (stepup*100).toFixed(0) + '%';

  // Step-up SIP calculation
  let FV = 0, totalInvested = 0;
  let currentAmount = amount;
  const yearlyVals = [], yearlyInv = [];

  for (let y=1; y<=years; y++) {
    if (y>1 && stepup>0) currentAmount *= (1+stepup);
    for (let p=0; p<n; p++) {
      FV = (FV + currentAmount) * (1 + rate/n);
      totalInvested += currentAmount;
    }
    yearlyVals.push(FV);
    yearlyInv.push(totalInvested);
  }

  const gain    = FV - totalInvested;
  const gainPct = (gain/totalInvested)*100;

  document.getElementById('sip-future').textContent   = fmt$(FV);
  document.getElementById('sip-invested').textContent = fmt$(totalInvested);
  document.getElementById('sip-rb-inv').textContent   = fmt$(totalInvested);
  document.getElementById('sip-rb-gain').textContent  = fmt$(gain);
  document.getElementById('sip-rb-pct').textContent   = '+'+gainPct.toFixed(1)+'%';
  document.getElementById('sip-no-invest').textContent  = fmt$(totalInvested);
  document.getElementById('sip-with-invest').textContent = fmt$(FV);

  if (sipChart) sipChart.destroy();
  const ctx = document.getElementById('sipChart').getContext('2d');
  const labels = Array.from({length:years},(_,i)=>'Yr '+(i+1));

  sipChart = new Chart(ctx, {
    type:'bar',
    data:{
      labels,
      datasets:[
        { label:'Total Invested', data:yearlyInv, backgroundColor:'rgba(34,211,238,0.4)', borderRadius:4, order:2 },
        { label:'Portfolio Value', data:yearlyVals, type:'line', borderColor:'#10b981', backgroundColor:'rgba(16,185,129,0.15)', borderWidth:2.5, fill:true, tension:0.4, pointRadius:0, order:1 }
      ]
    },
    options:{ responsive:true, maintainAspectRatio:false,
      plugins:{ legend:{labels:{font:{size:11}}}, tooltip:{ callbacks:{ label:ctx=>' '+fmt$(ctx.raw) } } },
      scales:{
        x:{ grid:{display:false}, stacked:false, ticks:{maxTicksLimit:8,font:{size:11}} },
        y:{ grid:{color:'rgba(34,211,238,0.06)'}, ticks:{ callback:v=>'$'+(v/1000).toFixed(0)+'K', font:{size:11} } }
      }
    }
  });
}

// ══ CALCULATOR 4: Inflation ═══════════════════════════════════════
function calcInflation() {
  const amount  = parseFloat(document.getElementById('inf-amount').value);
  const years   = parseInt(document.getElementById('inf-years').value);
  const infRate = parseFloat(document.getElementById('inf-rate').value)/100;
  const invRate = parseFloat(document.getElementById('inf-invest').value)/100;

  document.getElementById('inf-amount-val').textContent  = '$'+amount.toLocaleString();
  document.getElementById('inf-years-val').textContent   = years+' year'+(years===1?'':'s');
  document.getElementById('inf-rate-val').textContent    = (infRate*100).toFixed(1)+'%';
  document.getElementById('inf-invest-val').textContent  = (invRate*100).toFixed(1)+'%';

  const realValue = amount / Math.pow(1+infRate, years);
  const nomValue  = amount; // cash under mattress, nominal stays same
  const invValue  = amount * Math.pow(1+invRate, years);
  const loss = amount - realValue;

  document.getElementById('inf-today').textContent        = fmt$(amount);
  document.getElementById('inf-future-worth').textContent = fmt$(realValue);
  document.getElementById('inf-years-txt').textContent    = years;
  document.getElementById('inf-result').textContent       = fmt$(realValue);
  document.getElementById('inf-loss').textContent         = fmt$(loss);
  document.getElementById('inf-rb-nom').textContent       = fmt$(nomValue);
  document.getElementById('inf-rb-real').textContent      = fmt$(realValue);
  document.getElementById('inf-rb-inv').textContent       = fmt$(invValue);

  // Chart
  const yrs  = Array.from({length:years+1},(_,i)=>i);
  const cash  = yrs.map(()=>amount);
  const real  = yrs.map(y => amount/Math.pow(1+infRate,y));
  const inv   = yrs.map(y => amount*Math.pow(1+invRate,y));

  if (infChart) infChart.destroy();
  const ctx = document.getElementById('infChart').getContext('2d');

  infChart = new Chart(ctx, {
    type:'line',
    data:{
      labels: yrs.map(y=>'Yr '+y),
      datasets:[
        { label:'Invested', data:inv, borderColor:'#10b981', backgroundColor:'rgba(16,185,129,0.1)', borderWidth:2.5, fill:true, tension:0.4, pointRadius:0 },
        { label:'Cash (nominal)', data:cash, borderColor:'rgba(34,211,238,0.5)', borderDash:[5,5], borderWidth:1.5, fill:false, pointRadius:0 },
        { label:'Real Value (after inflation)', data:real, borderColor:'#f43f5e', backgroundColor:'rgba(244,63,94,0.1)', borderWidth:2, fill:true, tension:0.4, pointRadius:0 }
      ]
    },
    options:{ responsive:true, maintainAspectRatio:false,
      plugins:{ legend:{labels:{font:{size:11}}}, tooltip:{ callbacks:{ label:ctx=>' '+fmt$(ctx.raw) } } },
      scales:{
        x:{ grid:{display:false}, ticks:{maxTicksLimit:8,font:{size:11}} },
        y:{ grid:{color:'rgba(34,211,238,0.06)'}, ticks:{ callback:v=>'$'+(v/1000).toFixed(0)+'K', font:{size:11} } }
      }
    }
  });
}

document.addEventListener('DOMContentLoaded', () => {
  applyChartDefaults();
  calcGrowth();
  calcRetirement();
  calcSIP();
  calcInflation();
});
</script>
</body>
</html>