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calculators.html
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<!DOCTYPE html>
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<html lang="en">
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<head>
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<meta charset="UTF-8">
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<meta name="viewport" content="width=device-width, initial-scale=1.0">
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<title>FinWise — Calculators</title>
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<link rel="stylesheet" href="shared.css">
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<script src="https://cdn.jsdelivr.net/npm/chart.js@4.4.0/dist/chart.umd.min.js"></script>
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<style>
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.calc-tabs {
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display: flex;
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gap: 8px;
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flex-wrap: wrap;
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margin-bottom: 28px;
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}
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.calc-tab {
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display: flex;
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align-items: center;
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gap: 8px;
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padding: 12px 20px;
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border-radius: var(--r);
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border: 1px solid var(--border);
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background: var(--card);
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color: var(--text2);
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font-family: var(--font-body);
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font-size: 14px;
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font-weight: 600;
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cursor: pointer;
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transition: all var(--transition);
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white-space: nowrap;
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}
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.calc-tab:hover { border-color: var(--border2); color: var(--text); transform: translateY(-1px); }
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.calc-tab.active {
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border-color: var(--cyan);
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background: rgba(34,211,238,0.08);
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color: var(--cyan);
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box-shadow: var(--glow-c);
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}
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.calc-tab-icon { font-size: 20px; }
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.calc-panel { display: none; }
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.calc-panel.active { display: block; }
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.result-hero {
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text-align: center;
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padding: 32px 20px;
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background: linear-gradient(135deg, rgba(34,211,238,0.06), rgba(16,185,129,0.04));
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border: 1px solid var(--border2);
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border-radius: var(--r-lg);
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margin-bottom: 24px;
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position: relative;
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overflow: hidden;
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}
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.result-hero::before {
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content: '';
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position: absolute;
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width: 300px; height: 300px;
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border-radius: 50%;
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background: radial-gradient(circle, rgba(34,211,238,0.06) 0%, transparent 70%);
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top: -100px; left: 50%;
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transform: translateX(-50%);
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}
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.result-label { font-size: 12px; text-transform: uppercase; letter-spacing: 0.12em; color: var(--text2); font-weight: 700; }
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.result-value { font-family: var(--font-head); font-size: 52px; font-weight: 800; line-height: 1; margin: 12px 0; }
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.result-value.positive { color: var(--emerald); }
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.result-sub { font-size: 14px; color: var(--text2); }
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.result-breakdown {
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display: grid;
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grid-template-columns: repeat(3,1fr);
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gap: 12px;
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margin-bottom: 24px;
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}
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.rb-box {
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background: var(--bg3);
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border-radius: var(--r-sm);
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padding: 14px;
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text-align: center;
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}
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.rb-box-label { font-size: 11px; text-transform: uppercase; letter-spacing: 0.08em; color: var(--text2); margin-bottom: 6px; font-weight: 700; }
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.rb-box-val { font-family: var(--font-head); font-size: 20px; font-weight: 800; }
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.chart-panel { height: 260px; position: relative; }
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.input-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
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@media (max-width: 600px) { .input-row { grid-template-columns: 1fr; } .result-breakdown { grid-template-columns: 1fr 1fr; } }
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.preset-pills {
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display: flex;
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gap: 6px;
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flex-wrap: wrap;
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margin-bottom: 8px;
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}
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.preset-pill {
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padding: 4px 10px;
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border-radius: 100px;
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border: 1px solid var(--border2);
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background: transparent;
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color: var(--text2);
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font-size: 12px;
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font-weight: 600;
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cursor: pointer;
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font-family: var(--font-body);
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transition: all var(--transition);
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}
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.preset-pill:hover { border-color: var(--cyan); color: var(--cyan); }
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.preset-pill.active { background: rgba(34,211,238,0.1); border-color: var(--cyan); color: var(--cyan); }
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.milestone-grid {
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display: grid;
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grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
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gap: 10px;
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margin-top: 16px;
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}
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.milestone-card {
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background: var(--bg3);
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border: 1px solid var(--border);
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border-radius: var(--r-sm);
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padding: 14px;
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text-align: center;
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transition: all var(--transition);
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}
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.milestone-card.reached {
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border-color: var(--emerald);
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background: rgba(16,185,129,0.07);
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}
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.milestone-card.reached .ms-icon { filter: none; }
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.milestone-icon { font-size: 28px; margin-bottom: 6px; filter: grayscale(0.7); }
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.milestone-val { font-family: var(--font-head); font-size: 18px; font-weight: 800; margin-bottom: 4px; }
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.milestone-lbl { font-size: 11px; color: var(--text2); }
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.milestone-yr { font-size: 10px; color: var(--emerald); margin-top: 4px; font-weight: 700; }
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.compare-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top:16px; }
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.compare-box {
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background: var(--bg3);
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border-radius: var(--r-sm);
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padding: 16px;
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text-align: center;
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border: 1px solid var(--border);
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}
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.cb-label { font-size: 12px; color: var(--text2); margin-bottom: 8px; font-weight: 600; }
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.cb-val { font-family: var(--font-head); font-size: 24px; font-weight: 800; }
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.sip-frequency {
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display: flex;
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gap: 8px;
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margin-bottom: 16px;
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}
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.freq-btn {
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flex: 1;
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padding: 10px;
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border-radius: var(--r-sm);
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border: 1px solid var(--border);
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background: transparent;
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color: var(--text2);
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font-family: var(--font-body);
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font-size: 13px;
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font-weight: 600;
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cursor: pointer;
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transition: all var(--transition);
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}
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.freq-btn.active { border-color: var(--cyan); background: rgba(34,211,238,0.1); color: var(--cyan); }
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.inflation-impact {
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display: flex;
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align-items: center;
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gap: 16px;
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padding: 16px;
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background: var(--bg3);
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border-radius: var(--r-sm);
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border-left: 3px solid var(--rose);
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margin-bottom: 16px;
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}
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.inf-icon { font-size: 32px; }
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.inf-text { flex: 1; }
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.inf-title { font-weight: 700; margin-bottom: 4px; }
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.inf-desc { font-size: 13px; color: var(--text2); }
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</style>
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</head>
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<body>
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<div class="app-shell">
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<nav class="sidebar">
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<div class="sidebar-logo">
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<div class="logo-mark">
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<div class="logo-icon">📈</div>
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<div><div class="logo-text">FinWise</div><div class="logo-sub">Smart Investing</div></div>
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</div>
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</div>
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<div class="nav-section">
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<div class="nav-label">Main</div>
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<a href="index.html" class="nav-item"><span class="nav-icon">🏠</span> Dashboard</a>
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<a href="portfolio.html" class="nav-item"><span class="nav-icon">📊</span> Portfolio Builder</a>
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<a href="risk.html" class="nav-item"><span class="nav-icon">🎯</span> Risk Analyzer</a>
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<a href="tracker.html" class="nav-item"><span class="nav-icon">📈</span> Tracker</a>
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<div class="nav-label">Tools</div>
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<a href="calculators.html" class="nav-item"><span class="nav-icon">🧮</span> Calculators</a>
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<a href="insights.html" class="nav-item"><span class="nav-icon">💡</span> Insights</a>
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</div>
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<div class="sidebar-footer">
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<div class="market-ticker">Live Market</div>
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<div id="sidebar-tickers"></div>
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</div>
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</nav>
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<main class="main-content">
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<div class="page-header fade-in">
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<div class="page-title">Financial <span>Calculators</span></div>
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<div class="page-subtitle">Interactive tools to plan, project, and optimize your wealth</div>
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</div>
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<!-- Calculator Tabs -->
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<div class="calc-tabs fade-in">
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<button class="calc-tab active" data-calc="growth">
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<span class="calc-tab-icon">📈</span> Investment Growth
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</button>
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<button class="calc-tab" data-calc="retirement">
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<span class="calc-tab-icon">🏖️</span> Retirement
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</button>
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<button class="calc-tab" data-calc="sip">
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<span class="calc-tab-icon">🔄</span> SIP / Recurring
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</button>
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<button class="calc-tab" data-calc="inflation">
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<span class="calc-tab-icon">🔥</span> Inflation Impact
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</button>
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</div>
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<!-- ════════════════════════════════════════════════════════════
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CALCULATOR 1: Investment Growth
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════════════════════════════════════════════════════════════ -->
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<div class="calc-panel active fade-in" id="calc-growth">
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<div class="grid-60-40">
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<div>
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<div class="card">
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<div class="section-title">📈 Investment Growth Calculator</div>
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<div class="text-muted text-sm" style="margin-bottom:20px">See how your one-time investment grows over time with compound returns</div>
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<div class="slider-wrap">
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<div class="slider-header"><span class="slider-label">💵 Initial Investment</span><span class="slider-val" id="g-init-val">$10,000</span></div>
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<div class="preset-pills">
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<button class="preset-pill" onclick="setGrowthPreset('g-init',1000)">$1K</button>
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<button class="preset-pill active" onclick="setGrowthPreset('g-init',10000)">$10K</button>
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<button class="preset-pill" onclick="setGrowthPreset('g-init',25000)">$25K</button>
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<button class="preset-pill" onclick="setGrowthPreset('g-init',50000)">$50K</button>
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<button class="preset-pill" onclick="setGrowthPreset('g-init',100000)">$100K</button>
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</div>
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<input type="range" id="g-init" min="500" max="200000" value="10000" step="500" oninput="calcGrowth()">
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</div>
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<div class="slider-wrap">
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<div class="slider-header"><span class="slider-label">📅 Time Horizon</span><span class="slider-val" id="g-years-val">20 years</span></div>
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<div class="preset-pills">
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<button class="preset-pill" onclick="setGrowthPreset('g-years',5)">5yr</button>
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<button class="preset-pill" onclick="setGrowthPreset('g-years',10)">10yr</button>
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<button class="preset-pill active" onclick="setGrowthPreset('g-years',20)">20yr</button>
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<button class="preset-pill" onclick="setGrowthPreset('g-years',30)">30yr</button>
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</div>
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<input type="range" id="g-years" min="1" max="50" value="20" step="1" oninput="calcGrowth()">
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</div>
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<div class="slider-wrap">
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<div class="slider-header"><span class="slider-label">📊 Annual Return Rate</span><span class="slider-val" id="g-rate-val">8%</span></div>
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<div class="preset-pills">
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<button class="preset-pill" onclick="setGrowthPreset('g-rate',4,'%')">Bonds 4%</button>
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<button class="preset-pill" onclick="setGrowthPreset('g-rate',7,'%')">S&P Avg 7%</button>
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<button class="preset-pill active" onclick="setGrowthPreset('g-rate',8,'%')">Moderate 8%</button>
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<button class="preset-pill" onclick="setGrowthPreset('g-rate',12,'%')">Aggressive 12%</button>
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</div>
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<input type="range" id="g-rate" min="1" max="25" value="8" step="0.5" oninput="calcGrowth()">
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</div>
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<div class="slider-wrap">
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<div class="slider-header"><span class="slider-label">📆 Compound Frequency</span><span class="slider-val" id="g-compound-val">Annually</span></div>
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<input type="range" id="g-compound" min="1" max="12" value="1" step="1" oninput="calcGrowth()">
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<div style="display:flex;justify-content:space-between;font-size:11px;color:var(--text3);margin-top:4px">
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<span>Annually</span><span>Quarterly</span><span>Monthly</span>
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</div>
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</div>
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</div>
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</div>
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<div>
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<div class="result-hero">
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<div class="result-label">Future Value</div>
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<div class="result-value positive" id="g-future">$0</div>
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<div class="result-sub" id="g-sub">You'd earn <strong id="g-profit">$0</strong> in profit</div>
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</div>
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<div class="result-breakdown">
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<div class="rb-box">
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<div class="rb-box-label">Invested</div>
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<div class="rb-box-val" id="g-rb-invested">$0</div>
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</div>
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<div class="rb-box">
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<div class="rb-box-label">Earnings</div>
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<div class="rb-box-val" style="color:var(--emerald)" id="g-rb-earn">$0</div>
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</div>
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<div class="rb-box">
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<div class="rb-box-label">Total Return</div>
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<div class="rb-box-val" style="color:var(--cyan)" id="g-rb-pct">0%</div>
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</div>
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</div>
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<div class="card" style="padding:16px">
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<div class="card-title">📊 Growth Over Time</div>
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<div class="chart-panel">
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<canvas id="growthChart"></canvas>
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</div>
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</div>
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<!-- Milestones -->
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<div class="card" style="margin-top:16px;padding:16px">
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<div class="card-title">🏆 Milestones</div>
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<div class="milestone-grid" id="milestones-grid"></div>
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</div>
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</div>
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</div>
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</div>
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<!-- ════════════════════════════════════════════════════════════
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CALCULATOR 2: Retirement
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════════════════════════════════════════════════════════════ -->
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<div class="calc-panel" id="calc-retirement">
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<div class="grid-60-40">
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<div>
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<div class="card">
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<div class="section-title">🏖️ Retirement Calculator</div>
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| 327 |
-
<div class="text-muted text-sm" style="margin-bottom:20px">Plan your retirement savings and see if you're on track</div>
|
| 328 |
-
|
| 329 |
-
<div class="input-row" style="margin-bottom:16px">
|
| 330 |
-
<div class="field-group">
|
| 331 |
-
<label class="field-label">Current Age</label>
|
| 332 |
-
<input type="number" id="ret-age" value="30" min="18" max="80" oninput="calcRetirement()">
|
| 333 |
-
</div>
|
| 334 |
-
<div class="field-group">
|
| 335 |
-
<label class="field-label">Retirement Age</label>
|
| 336 |
-
<input type="number" id="ret-age2" value="65" min="40" max="85" oninput="calcRetirement()">
|
| 337 |
-
</div>
|
| 338 |
-
</div>
|
| 339 |
-
|
| 340 |
-
<div class="slider-wrap">
|
| 341 |
-
<div class="slider-header"><span class="slider-label">💰 Current Savings</span><span class="slider-val" id="ret-saved-val">$15,000</span></div>
|
| 342 |
-
<input type="range" id="ret-saved" min="0" max="500000" value="15000" step="1000" oninput="calcRetirement()">
|
| 343 |
-
</div>
|
| 344 |
-
|
| 345 |
-
<div class="slider-wrap">
|
| 346 |
-
<div class="slider-header"><span class="slider-label">📅 Monthly Contribution</span><span class="slider-val" id="ret-monthly-val">$500/mo</span></div>
|
| 347 |
-
<input type="range" id="ret-monthly" min="50" max="5000" value="500" step="50" oninput="calcRetirement()">
|
| 348 |
-
</div>
|
| 349 |
-
|
| 350 |
-
<div class="slider-wrap">
|
| 351 |
-
<div class="slider-header"><span class="slider-label">📈 Annual Return</span><span class="slider-val" id="ret-rate-val">7%</span></div>
|
| 352 |
-
<input type="range" id="ret-rate" min="2" max="15" value="7" step="0.5" oninput="calcRetirement()">
|
| 353 |
-
</div>
|
| 354 |
-
|
| 355 |
-
<div class="slider-wrap">
|
| 356 |
-
<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>
|
| 357 |
-
<input type="range" id="ret-need" min="1000" max="20000" value="4000" step="500" oninput="calcRetirement()">
|
| 358 |
-
</div>
|
| 359 |
-
</div>
|
| 360 |
-
</div>
|
| 361 |
-
|
| 362 |
-
<div>
|
| 363 |
-
<div class="result-hero">
|
| 364 |
-
<div class="result-label">Retirement Nest Egg</div>
|
| 365 |
-
<div class="result-value positive" id="ret-future">$0</div>
|
| 366 |
-
<div class="result-sub" id="ret-status">—</div>
|
| 367 |
-
</div>
|
| 368 |
-
|
| 369 |
-
<div class="result-breakdown">
|
| 370 |
-
<div class="rb-box">
|
| 371 |
-
<div class="rb-box-label">Years to Retire</div>
|
| 372 |
-
<div class="rb-box-val" style="color:var(--amber)" id="ret-rb-years">0</div>
|
| 373 |
-
</div>
|
| 374 |
-
<div class="rb-box">
|
| 375 |
-
<div class="rb-box-label">Monthly Draw</div>
|
| 376 |
-
<div class="rb-box-val" style="color:var(--cyan)" id="ret-rb-draw">$0/mo</div>
|
| 377 |
-
</div>
|
| 378 |
-
<div class="rb-box">
|
| 379 |
-
<div class="rb-box-label">Fund Duration</div>
|
| 380 |
-
<div class="rb-box-val" style="color:var(--emerald)" id="ret-rb-dur">0 yrs</div>
|
| 381 |
-
</div>
|
| 382 |
-
</div>
|
| 383 |
-
|
| 384 |
-
<div class="card" style="padding:16px">
|
| 385 |
-
<div class="card-title">📊 Savings Trajectory</div>
|
| 386 |
-
<div class="chart-panel">
|
| 387 |
-
<canvas id="retChart"></canvas>
|
| 388 |
-
</div>
|
| 389 |
-
</div>
|
| 390 |
-
|
| 391 |
-
<div id="ret-on-track-box" style="margin-top:16px;padding:16px;border-radius:var(--r-sm);border:1px solid"></div>
|
| 392 |
-
</div>
|
| 393 |
-
</div>
|
| 394 |
-
</div>
|
| 395 |
-
|
| 396 |
-
<!-- ════════════════════════════════════════════════════════════
|
| 397 |
-
CALCULATOR 3: SIP / Recurring
|
| 398 |
-
════════════════════════════════════════════════════════════ -->
|
| 399 |
-
<div class="calc-panel" id="calc-sip">
|
| 400 |
-
<div class="grid-60-40">
|
| 401 |
-
<div>
|
| 402 |
-
<div class="card">
|
| 403 |
-
<div class="section-title">🔄 SIP / Recurring Investment</div>
|
| 404 |
-
<div class="text-muted text-sm" style="margin-bottom:16px">How regular investments compound over time</div>
|
| 405 |
-
|
| 406 |
-
<div style="margin-bottom:16px">
|
| 407 |
-
<div class="field-label" style="margin-bottom:8px">Contribution Frequency</div>
|
| 408 |
-
<div class="sip-frequency">
|
| 409 |
-
<button class="freq-btn" onclick="setSipFreq('weekly',this)">Weekly</button>
|
| 410 |
-
<button class="freq-btn active" onclick="setSipFreq('monthly',this)">Monthly</button>
|
| 411 |
-
<button class="freq-btn" onclick="setSipFreq('quarterly',this)">Quarterly</button>
|
| 412 |
-
<button class="freq-btn" onclick="setSipFreq('annually',this)">Annually</button>
|
| 413 |
-
</div>
|
| 414 |
-
</div>
|
| 415 |
-
|
| 416 |
-
<div class="slider-wrap">
|
| 417 |
-
<div class="slider-header"><span class="slider-label">💵 Contribution Amount</span><span class="slider-val" id="sip-amount-val">$300/mo</span></div>
|
| 418 |
-
<div class="preset-pills">
|
| 419 |
-
<button class="preset-pill" onclick="setSipPreset('sip-amount',100)">$100</button>
|
| 420 |
-
<button class="preset-pill active" onclick="setSipPreset('sip-amount',300)">$300</button>
|
| 421 |
-
<button class="preset-pill" onclick="setSipPreset('sip-amount',500)">$500</button>
|
| 422 |
-
<button class="preset-pill" onclick="setSipPreset('sip-amount',1000)">$1K</button>
|
| 423 |
-
</div>
|
| 424 |
-
<input type="range" id="sip-amount" min="10" max="5000" value="300" step="10" oninput="calcSIP()">
|
| 425 |
-
</div>
|
| 426 |
-
|
| 427 |
-
<div class="slider-wrap">
|
| 428 |
-
<div class="slider-header"><span class="slider-label">📅 Duration</span><span class="slider-val" id="sip-years-val">15 years</span></div>
|
| 429 |
-
<input type="range" id="sip-years" min="1" max="40" value="15" step="1" oninput="calcSIP()">
|
| 430 |
-
</div>
|
| 431 |
-
|
| 432 |
-
<div class="slider-wrap">
|
| 433 |
-
<div class="slider-header"><span class="slider-label">📊 Expected Return</span><span class="slider-val" id="sip-rate-val">9%</span></div>
|
| 434 |
-
<input type="range" id="sip-rate" min="2" max="20" value="9" step="0.5" oninput="calcSIP()">
|
| 435 |
-
</div>
|
| 436 |
-
|
| 437 |
-
<div class="slider-wrap">
|
| 438 |
-
<div class="slider-header"><span class="slider-label">📈 Annual Step-Up %</span><span class="slider-val" id="sip-stepup-val">0%</span></div>
|
| 439 |
-
<input type="range" id="sip-stepup" min="0" max="20" value="0" step="1" oninput="calcSIP()">
|
| 440 |
-
<div class="text-muted text-sm" style="margin-top:4px">Increase contribution amount each year by this %</div>
|
| 441 |
-
</div>
|
| 442 |
-
</div>
|
| 443 |
-
</div>
|
| 444 |
-
|
| 445 |
-
<div>
|
| 446 |
-
<div class="result-hero">
|
| 447 |
-
<div class="result-label">Total Wealth Created</div>
|
| 448 |
-
<div class="result-value positive" id="sip-future">$0</div>
|
| 449 |
-
<div class="result-sub">Total invested: <strong id="sip-invested">$0</strong></div>
|
| 450 |
-
</div>
|
| 451 |
-
|
| 452 |
-
<div class="result-breakdown">
|
| 453 |
-
<div class="rb-box">
|
| 454 |
-
<div class="rb-box-label">Invested</div>
|
| 455 |
-
<div class="rb-box-val" id="sip-rb-inv">$0</div>
|
| 456 |
-
</div>
|
| 457 |
-
<div class="rb-box">
|
| 458 |
-
<div class="rb-box-label">Gains</div>
|
| 459 |
-
<div class="rb-box-val" style="color:var(--emerald)" id="sip-rb-gain">$0</div>
|
| 460 |
-
</div>
|
| 461 |
-
<div class="rb-box">
|
| 462 |
-
<div class="rb-box-label">Gain %</div>
|
| 463 |
-
<div class="rb-box-val" style="color:var(--cyan)" id="sip-rb-pct">0%</div>
|
| 464 |
-
</div>
|
| 465 |
-
</div>
|
| 466 |
-
|
| 467 |
-
<div class="card" style="padding:16px">
|
| 468 |
-
<div class="card-title">📊 Contribution vs Growth</div>
|
| 469 |
-
<div class="chart-panel">
|
| 470 |
-
<canvas id="sipChart"></canvas>
|
| 471 |
-
</div>
|
| 472 |
-
</div>
|
| 473 |
-
|
| 474 |
-
<div class="compare-grid">
|
| 475 |
-
<div class="compare-box">
|
| 476 |
-
<div class="cb-label">💤 Without Investing<br>(under mattress)</div>
|
| 477 |
-
<div class="cb-val" id="sip-no-invest" style="color:var(--rose)">$0</div>
|
| 478 |
-
</div>
|
| 479 |
-
<div class="compare-box">
|
| 480 |
-
<div class="cb-label">📈 With Investing<br>(your strategy)</div>
|
| 481 |
-
<div class="cb-val" id="sip-with-invest" style="color:var(--emerald)">$0</div>
|
| 482 |
-
</div>
|
| 483 |
-
</div>
|
| 484 |
-
</div>
|
| 485 |
-
</div>
|
| 486 |
-
</div>
|
| 487 |
-
|
| 488 |
-
<!-- ════════════════════════════════════════════════════════════
|
| 489 |
-
CALCULATOR 4: Inflation Impact
|
| 490 |
-
════════════════════════════════════════════════════════════ -->
|
| 491 |
-
<div class="calc-panel" id="calc-inflation">
|
| 492 |
-
<div class="grid-60-40">
|
| 493 |
-
<div>
|
| 494 |
-
<div class="card">
|
| 495 |
-
<div class="section-title">🔥 Inflation Impact Calculator</div>
|
| 496 |
-
<div class="text-muted text-sm" style="margin-bottom:20px">Understand how inflation erodes your money's purchasing power</div>
|
| 497 |
-
|
| 498 |
-
<div class="slider-wrap">
|
| 499 |
-
<div class="slider-header"><span class="slider-label">💵 Amount Today</span><span class="slider-val" id="inf-amount-val">$10,000</span></div>
|
| 500 |
-
<div class="preset-pills">
|
| 501 |
-
<button class="preset-pill" onclick="setInfPreset('inf-amount',5000)">$5K</button>
|
| 502 |
-
<button class="preset-pill active" onclick="setInfPreset('inf-amount',10000)">$10K</button>
|
| 503 |
-
<button class="preset-pill" onclick="setInfPreset('inf-amount',50000)">$50K</button>
|
| 504 |
-
<button class="preset-pill" onclick="setInfPreset('inf-amount',100000)">$100K</button>
|
| 505 |
-
</div>
|
| 506 |
-
<input type="range" id="inf-amount" min="1000" max="500000" value="10000" step="1000" oninput="calcInflation()">
|
| 507 |
-
</div>
|
| 508 |
-
|
| 509 |
-
<div class="slider-wrap">
|
| 510 |
-
<div class="slider-header"><span class="slider-label">📅 Years Ahead</span><span class="slider-val" id="inf-years-val">20 years</span></div>
|
| 511 |
-
<input type="range" id="inf-years" min="1" max="50" value="20" step="1" oninput="calcInflation()">
|
| 512 |
-
</div>
|
| 513 |
-
|
| 514 |
-
<div class="slider-wrap">
|
| 515 |
-
<div class="slider-header"><span class="slider-label">🔥 Annual Inflation Rate</span><span class="slider-val" id="inf-rate-val">3.5%</span></div>
|
| 516 |
-
<div class="preset-pills">
|
| 517 |
-
<button class="preset-pill" onclick="setInfPreset('inf-rate',2)">Low 2%</button>
|
| 518 |
-
<button class="preset-pill active" onclick="setInfPreset('inf-rate',3.5)">Average 3.5%</button>
|
| 519 |
-
<button class="preset-pill" onclick="setInfPreset('inf-rate',6)">High 6%</button>
|
| 520 |
-
<button class="preset-pill" onclick="setInfPreset('inf-rate',10)">Crisis 10%</button>
|
| 521 |
-
</div>
|
| 522 |
-
<input type="range" id="inf-rate" min="0.5" max="15" value="3.5" step="0.5" oninput="calcInflation()">
|
| 523 |
-
</div>
|
| 524 |
-
|
| 525 |
-
<div class="slider-wrap">
|
| 526 |
-
<div class="slider-header"><span class="slider-label">📈 Investment Return Rate</span><span class="slider-val" id="inf-invest-val">7%</span></div>
|
| 527 |
-
<input type="range" id="inf-invest" min="0" max="20" value="7" step="0.5" oninput="calcInflation()">
|
| 528 |
-
<div class="text-muted text-sm" style="margin-top:4px">If you invest vs keep as cash</div>
|
| 529 |
-
</div>
|
| 530 |
-
</div>
|
| 531 |
-
</div>
|
| 532 |
-
|
| 533 |
-
<div>
|
| 534 |
-
<div class="inflation-impact">
|
| 535 |
-
<div class="inf-icon">💸</div>
|
| 536 |
-
<div class="inf-text">
|
| 537 |
-
<div class="inf-title">Purchasing Power Loss</div>
|
| 538 |
-
<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>
|
| 539 |
-
</div>
|
| 540 |
-
</div>
|
| 541 |
-
|
| 542 |
-
<div class="result-hero">
|
| 543 |
-
<div class="result-label">Inflation-Adjusted Value</div>
|
| 544 |
-
<div class="result-value" id="inf-result" style="color:var(--rose)">$0</div>
|
| 545 |
-
<div class="result-sub">Real purchasing power loss: <strong id="inf-loss" style="color:var(--rose)">$0</strong></div>
|
| 546 |
-
</div>
|
| 547 |
-
|
| 548 |
-
<div class="result-breakdown">
|
| 549 |
-
<div class="rb-box">
|
| 550 |
-
<div class="rb-box-label">Nominal Value</div>
|
| 551 |
-
<div class="rb-box-val" id="inf-rb-nom">$0</div>
|
| 552 |
-
</div>
|
| 553 |
-
<div class="rb-box">
|
| 554 |
-
<div class="rb-box-label">Real Value</div>
|
| 555 |
-
<div class="rb-box-val" style="color:var(--rose)" id="inf-rb-real">$0</div>
|
| 556 |
-
</div>
|
| 557 |
-
<div class="rb-box">
|
| 558 |
-
<div class="rb-box-label">If Invested</div>
|
| 559 |
-
<div class="rb-box-val" style="color:var(--emerald)" id="inf-rb-inv">$0</div>
|
| 560 |
-
</div>
|
| 561 |
-
</div>
|
| 562 |
-
|
| 563 |
-
<div class="card" style="padding:16px">
|
| 564 |
-
<div class="card-title">📊 Cash vs Invested vs Inflation</div>
|
| 565 |
-
<div class="chart-panel">
|
| 566 |
-
<canvas id="infChart"></canvas>
|
| 567 |
-
</div>
|
| 568 |
-
</div>
|
| 569 |
-
</div>
|
| 570 |
-
</div>
|
| 571 |
-
</div>
|
| 572 |
-
|
| 573 |
-
</main>
|
| 574 |
-
</div>
|
| 575 |
-
|
| 576 |
-
<nav class="bottom-nav">
|
| 577 |
-
<div class="bottom-nav-inner">
|
| 578 |
-
<a href="index.html" class="bottom-nav-item"><span class="bnav-icon">🏠</span>Home</a>
|
| 579 |
-
<a href="portfolio.html" class="bottom-nav-item"><span class="bnav-icon">📊</span>Portfolio</a>
|
| 580 |
-
<a href="risk.html" class="bottom-nav-item"><span class="bnav-icon">🎯</span>Risk</a>
|
| 581 |
-
<a href="tracker.html" class="bottom-nav-item"><span class="bnav-icon">📈</span>Track</a>
|
| 582 |
-
<a href="calculators.html" class="bottom-nav-item"><span class="bnav-icon">🧮</span>Calc</a>
|
| 583 |
-
<a href="insights.html" class="bottom-nav-item"><span class="bnav-icon">💡</span>Insights</a>
|
| 584 |
-
</div>
|
| 585 |
-
</nav>
|
| 586 |
-
|
| 587 |
-
<script src="shared.js"></script>
|
| 588 |
-
<script>
|
| 589 |
-
// ══ Tab Switching ═════════════════════════════════════════════════
|
| 590 |
-
document.querySelectorAll('.calc-tab').forEach(btn => {
|
| 591 |
-
btn.addEventListener('click', () => {
|
| 592 |
-
document.querySelectorAll('.calc-tab,.calc-panel').forEach(el => el.classList.remove('active'));
|
| 593 |
-
btn.classList.add('active');
|
| 594 |
-
document.getElementById('calc-' + btn.dataset.calc).classList.add('active');
|
| 595 |
-
setTimeout(() => { calcGrowth(); calcRetirement(); calcSIP(); calcInflation(); }, 50);
|
| 596 |
-
});
|
| 597 |
-
});
|
| 598 |
-
|
| 599 |
-
// ══ Shared helpers ════════════════════════════════════════════════
|
| 600 |
-
let growthChart=null, retChart=null, sipChart=null, infChart=null;
|
| 601 |
-
let sipFreq = 'monthly'; // periods per year
|
| 602 |
-
const FREQ_MAP = { weekly:52, monthly:12, quarterly:4, annually:1 };
|
| 603 |
-
const FREQ_LABEL = { weekly:'wk', monthly:'mo', quarterly:'qtr', annually:'yr' };
|
| 604 |
-
|
| 605 |
-
function sliderSync(id, labelId, prefix='$', suffix='', scale=1, decimals=0) {
|
| 606 |
-
const el = document.getElementById(id);
|
| 607 |
-
const lbl = document.getElementById(labelId);
|
| 608 |
-
const update = () => {
|
| 609 |
-
const v = parseFloat(el.value) * scale;
|
| 610 |
-
lbl.textContent = prefix + (decimals ? v.toFixed(decimals) : Math.round(v).toLocaleString()) + suffix;
|
| 611 |
-
};
|
| 612 |
-
el.addEventListener('input', update);
|
| 613 |
-
}
|
| 614 |
-
|
| 615 |
-
// ══ CALCULATOR 1: Investment Growth ═══════════════════════════════
|
| 616 |
-
function setGrowthPreset(id, val, unit) {
|
| 617 |
-
document.getElementById(id).value = val;
|
| 618 |
-
calcGrowth();
|
| 619 |
-
}
|
| 620 |
-
function setSipPreset(id, val) { document.getElementById(id).value = val; calcSIP(); }
|
| 621 |
-
function setInfPreset(id, val) { document.getElementById(id).value = val; calcInflation(); }
|
| 622 |
-
|
| 623 |
-
function calcGrowth() {
|
| 624 |
-
const P = parseFloat(document.getElementById('g-init').value);
|
| 625 |
-
const n = parseInt(document.getElementById('g-years').value);
|
| 626 |
-
const r = parseFloat(document.getElementById('g-rate').value) / 100;
|
| 627 |
-
const c = parseInt(document.getElementById('g-compound').value);
|
| 628 |
-
|
| 629 |
-
document.getElementById('g-init-val').textContent = '$' + P.toLocaleString();
|
| 630 |
-
document.getElementById('g-years-val').textContent = n + ' year' + (n===1?'':'s');
|
| 631 |
-
const compoundLabels = {1:'Annually',2:'Semi-annually',3:'Tri-annually',4:'Quarterly',6:'Bi-monthly',12:'Monthly'};
|
| 632 |
-
document.getElementById('g-compound-val').textContent = compoundLabels[c] || c + 'x/yr';
|
| 633 |
-
document.getElementById('g-rate-val').textContent = r*100 + '%';
|
| 634 |
-
|
| 635 |
-
const FV = P * Math.pow(1 + r/c, c*n);
|
| 636 |
-
const profit = FV - P;
|
| 637 |
-
const pct = (profit/P)*100;
|
| 638 |
-
|
| 639 |
-
document.getElementById('g-future').textContent = fmt$(FV);
|
| 640 |
-
document.getElementById('g-profit').textContent = fmt$(profit);
|
| 641 |
-
document.getElementById('g-rb-invested').textContent = fmt$(P);
|
| 642 |
-
document.getElementById('g-rb-earn').textContent = fmt$(profit);
|
| 643 |
-
document.getElementById('g-rb-pct').textContent = '+' + pct.toFixed(1) + '%';
|
| 644 |
-
|
| 645 |
-
// Chart data
|
| 646 |
-
const years = Array.from({length:n+1},(_,i)=>i);
|
| 647 |
-
const vals = years.map(y => P * Math.pow(1+r/c, c*y));
|
| 648 |
-
const invested = years.map(() => P);
|
| 649 |
-
|
| 650 |
-
if (growthChart) growthChart.destroy();
|
| 651 |
-
const ctx = document.getElementById('growthChart').getContext('2d');
|
| 652 |
-
const grad = ctx.createLinearGradient(0,0,0,260);
|
| 653 |
-
grad.addColorStop(0,'rgba(16,185,129,0.35)'); grad.addColorStop(1,'rgba(16,185,129,0)');
|
| 654 |
-
|
| 655 |
-
growthChart = new Chart(ctx, {
|
| 656 |
-
type:'line',
|
| 657 |
-
data:{
|
| 658 |
-
labels: years.map(y => 'Yr '+y),
|
| 659 |
-
datasets:[
|
| 660 |
-
{ label:'Portfolio Value', data:vals, borderColor:'#10b981', backgroundColor:grad, borderWidth:2.5, fill:true, tension:0.4, pointRadius:0 },
|
| 661 |
-
{ label:'Amount Invested', data:invested, borderColor:'rgba(34,211,238,0.5)', borderDash:[5,5], borderWidth:1.5, fill:false, pointRadius:0, tension:0 }
|
| 662 |
-
]
|
| 663 |
-
},
|
| 664 |
-
options:{ responsive:true, maintainAspectRatio:false,
|
| 665 |
-
plugins:{ legend:{ labels:{font:{size:11}} },
|
| 666 |
-
tooltip:{ callbacks:{ label: ctx => ' '+fmt$(ctx.raw) } } },
|
| 667 |
-
scales:{
|
| 668 |
-
x:{ grid:{display:false}, ticks:{maxTicksLimit:8,font:{size:11}} },
|
| 669 |
-
y:{ grid:{color:'rgba(34,211,238,0.06)'}, ticks:{ callback:v=>'$'+(v/1000).toFixed(0)+'K', font:{size:11} } }
|
| 670 |
-
}
|
| 671 |
-
}
|
| 672 |
-
});
|
| 673 |
-
|
| 674 |
-
// Milestones
|
| 675 |
-
const milestones = [
|
| 676 |
-
{ icon:'💯', label:'2× Money', target:P*2 },
|
| 677 |
-
{ icon:'🚀', label:'5× Money', target:P*5 },
|
| 678 |
-
{ icon:'💎', label:'10× Money', target:P*10 },
|
| 679 |
-
{ icon:'🌟', label:'$100K', target:100000 },
|
| 680 |
-
{ icon:'🏆', label:'$250K', target:250000 },
|
| 681 |
-
{ icon:'👑', label:'$1M', target:1000000 },
|
| 682 |
-
];
|
| 683 |
-
document.getElementById('milestones-grid').innerHTML = milestones.map(m => {
|
| 684 |
-
const reached = FV >= m.target;
|
| 685 |
-
const yearsTo = reached ? Math.log(m.target/P) / (c * Math.log(1+r/c)) : null;
|
| 686 |
-
return `
|
| 687 |
-
<div class="milestone-card ${reached?'reached':''}">
|
| 688 |
-
<div class="milestone-icon">${m.icon}</div>
|
| 689 |
-
<div class="milestone-val">${m.label}</div>
|
| 690 |
-
<div class="milestone-lbl">${fmt$(m.target)}</div>
|
| 691 |
-
${reached ? `<div class="milestone-yr">✅ ~Yr ${Math.round(yearsTo)}</div>` : `<div class="milestone-yr" style="color:var(--text3)">Not reached</div>`}
|
| 692 |
-
</div>`;
|
| 693 |
-
}).join('');
|
| 694 |
-
}
|
| 695 |
-
|
| 696 |
-
// ══ CALCULATOR 2: Retirement ══════════════════════════════════════
|
| 697 |
-
function calcRetirement() {
|
| 698 |
-
const age = parseInt(document.getElementById('ret-age').value) || 30;
|
| 699 |
-
const retAge = parseInt(document.getElementById('ret-age2').value) || 65;
|
| 700 |
-
const saved = parseFloat(document.getElementById('ret-saved').value);
|
| 701 |
-
const mo = parseFloat(document.getElementById('ret-monthly').value);
|
| 702 |
-
const r = parseFloat(document.getElementById('ret-rate').value)/100;
|
| 703 |
-
const need = parseFloat(document.getElementById('ret-need').value);
|
| 704 |
-
|
| 705 |
-
document.getElementById('ret-saved-val').textContent = '$'+saved.toLocaleString();
|
| 706 |
-
document.getElementById('ret-monthly-val').textContent = '$'+mo.toLocaleString()+'/mo';
|
| 707 |
-
document.getElementById('ret-rate-val').textContent = r*100 + '%';
|
| 708 |
-
document.getElementById('ret-need-val').textContent = '$'+need.toLocaleString()+'/mo';
|
| 709 |
-
|
| 710 |
-
const years = Math.max(retAge - age, 1);
|
| 711 |
-
const rMo = r/12;
|
| 712 |
-
const FV_existing = saved * Math.pow(1+r, years);
|
| 713 |
-
const FV_contrib = mo * ((Math.pow(1+rMo, years*12)-1)/rMo);
|
| 714 |
-
const total = FV_existing + FV_contrib;
|
| 715 |
-
const annualy = need * 12;
|
| 716 |
-
const fundDur = total > 0 ? Math.log(1 - (annualy * (1-(1+r/4))) / (total * (r/4))) / Math.log(1+r/4) * (-1) : 0;
|
| 717 |
-
const safeDrawdown = total * 0.04 / 12;
|
| 718 |
-
const onTrack = total >= annualy * 25;
|
| 719 |
-
|
| 720 |
-
document.getElementById('ret-future').textContent = fmt$(total);
|
| 721 |
-
document.getElementById('ret-rb-years').textContent = years + ' yrs';
|
| 722 |
-
document.getElementById('ret-rb-draw').textContent = '$' + Math.round(safeDrawdown).toLocaleString() + '/mo';
|
| 723 |
-
document.getElementById('ret-rb-dur').textContent = Math.round(Math.max(fundDur,0)) + ' yrs';
|
| 724 |
-
|
| 725 |
-
const box = document.getElementById('ret-on-track-box');
|
| 726 |
-
if (onTrack) {
|
| 727 |
-
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)';
|
| 728 |
-
box.innerHTML = `<div style="font-weight:700;color:var(--emerald);margin-bottom:6px">✅ You're on track!</div>
|
| 729 |
-
<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>`;
|
| 730 |
-
} else {
|
| 731 |
-
const gap = annualy*25 - total;
|
| 732 |
-
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)';
|
| 733 |
-
box.innerHTML = `<div style="font-weight:700;color:var(--amber);margin-bottom:6px">⚠️ Savings Gap Detected</div>
|
| 734 |
-
<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>`;
|
| 735 |
-
}
|
| 736 |
-
|
| 737 |
-
document.getElementById('ret-status').textContent = onTrack ? '🎉 On track for retirement!' : `Need ${fmt$(annualy*25)} total`;
|
| 738 |
-
|
| 739 |
-
// Chart
|
| 740 |
-
const yrs = Array.from({length:years+1},(_,i)=>i);
|
| 741 |
-
const trajectory = yrs.map(y => {
|
| 742 |
-
const fe = saved * Math.pow(1+r,y);
|
| 743 |
-
const fc = mo * ((Math.pow(1+r/12, y*12)-1)/(r/12));
|
| 744 |
-
return fe+fc;
|
| 745 |
-
});
|
| 746 |
-
|
| 747 |
-
if (retChart) retChart.destroy();
|
| 748 |
-
const ctx = document.getElementById('retChart').getContext('2d');
|
| 749 |
-
const grad = ctx.createLinearGradient(0,0,0,260);
|
| 750 |
-
grad.addColorStop(0,'rgba(34,211,238,0.3)'); grad.addColorStop(1,'rgba(34,211,238,0)');
|
| 751 |
-
|
| 752 |
-
retChart = new Chart(ctx, {
|
| 753 |
-
type:'line',
|
| 754 |
-
data:{
|
| 755 |
-
labels: yrs.map(y => age+y),
|
| 756 |
-
datasets:[
|
| 757 |
-
{ label:'Projected Savings', data:trajectory, borderColor:'#22d3ee', backgroundColor:grad, borderWidth:2.5, fill:true, tension:0.4, pointRadius:0 },
|
| 758 |
-
{ label:'Target', data:yrs.map(()=>annualy*25), borderColor:'rgba(245,158,11,0.6)', borderDash:[6,4], borderWidth:1.5, fill:false, pointRadius:0 }
|
| 759 |
-
]
|
| 760 |
-
},
|
| 761 |
-
options:{ responsive:true, maintainAspectRatio:false,
|
| 762 |
-
plugins:{ legend:{labels:{font:{size:11}}}, tooltip:{ callbacks:{ label:ctx=>' '+fmt$(ctx.raw) } } },
|
| 763 |
-
scales:{
|
| 764 |
-
x:{ grid:{display:false}, ticks:{maxTicksLimit:8,font:{size:11}} },
|
| 765 |
-
y:{ grid:{color:'rgba(34,211,238,0.06)'}, ticks:{ callback:v=>'$'+(v/1000).toFixed(0)+'K', font:{size:11} } }
|
| 766 |
-
}
|
| 767 |
-
}
|
| 768 |
-
});
|
| 769 |
-
}
|
| 770 |
-
|
| 771 |
-
// ══ CALCULATOR 3: SIP ═════════════════════════════════════════════
|
| 772 |
-
function setSipFreq(freq, btn) {
|
| 773 |
-
sipFreq = freq;
|
| 774 |
-
document.querySelectorAll('.freq-btn').forEach(b=>b.classList.remove('active'));
|
| 775 |
-
btn.classList.add('active');
|
| 776 |
-
calcSIP();
|
| 777 |
-
}
|
| 778 |
-
|
| 779 |
-
function calcSIP() {
|
| 780 |
-
const amount = parseFloat(document.getElementById('sip-amount').value);
|
| 781 |
-
const years = parseInt(document.getElementById('sip-years').value);
|
| 782 |
-
const rate = parseFloat(document.getElementById('sip-rate').value)/100;
|
| 783 |
-
const stepup = parseFloat(document.getElementById('sip-stepup').value)/100;
|
| 784 |
-
const n = FREQ_MAP[sipFreq];
|
| 785 |
-
const lbl = FREQ_LABEL[sipFreq];
|
| 786 |
-
|
| 787 |
-
document.getElementById('sip-amount-val').textContent = '$'+amount.toLocaleString()+'/'+lbl;
|
| 788 |
-
document.getElementById('sip-years-val').textContent = years + ' year' + (years===1?'':'s');
|
| 789 |
-
document.getElementById('sip-rate-val').textContent = rate*100 + '%';
|
| 790 |
-
document.getElementById('sip-stepup-val').textContent = (stepup*100).toFixed(0) + '%';
|
| 791 |
-
|
| 792 |
-
// Step-up SIP calculation
|
| 793 |
-
let FV = 0, totalInvested = 0;
|
| 794 |
-
let currentAmount = amount;
|
| 795 |
-
const yearlyVals = [], yearlyInv = [];
|
| 796 |
-
|
| 797 |
-
for (let y=1; y<=years; y++) {
|
| 798 |
-
if (y>1 && stepup>0) currentAmount *= (1+stepup);
|
| 799 |
-
for (let p=0; p<n; p++) {
|
| 800 |
-
FV = (FV + currentAmount) * (1 + rate/n);
|
| 801 |
-
totalInvested += currentAmount;
|
| 802 |
-
}
|
| 803 |
-
yearlyVals.push(FV);
|
| 804 |
-
yearlyInv.push(totalInvested);
|
| 805 |
-
}
|
| 806 |
-
|
| 807 |
-
const gain = FV - totalInvested;
|
| 808 |
-
const gainPct = (gain/totalInvested)*100;
|
| 809 |
-
|
| 810 |
-
document.getElementById('sip-future').textContent = fmt$(FV);
|
| 811 |
-
document.getElementById('sip-invested').textContent = fmt$(totalInvested);
|
| 812 |
-
document.getElementById('sip-rb-inv').textContent = fmt$(totalInvested);
|
| 813 |
-
document.getElementById('sip-rb-gain').textContent = fmt$(gain);
|
| 814 |
-
document.getElementById('sip-rb-pct').textContent = '+'+gainPct.toFixed(1)+'%';
|
| 815 |
-
document.getElementById('sip-no-invest').textContent = fmt$(totalInvested);
|
| 816 |
-
document.getElementById('sip-with-invest').textContent = fmt$(FV);
|
| 817 |
-
|
| 818 |
-
if (sipChart) sipChart.destroy();
|
| 819 |
-
const ctx = document.getElementById('sipChart').getContext('2d');
|
| 820 |
-
const labels = Array.from({length:years},(_,i)=>'Yr '+(i+1));
|
| 821 |
-
|
| 822 |
-
sipChart = new Chart(ctx, {
|
| 823 |
-
type:'bar',
|
| 824 |
-
data:{
|
| 825 |
-
labels,
|
| 826 |
-
datasets:[
|
| 827 |
-
{ label:'Total Invested', data:yearlyInv, backgroundColor:'rgba(34,211,238,0.4)', borderRadius:4, order:2 },
|
| 828 |
-
{ label:'Portfolio Value', data:yearlyVals, type:'line', borderColor:'#10b981', backgroundColor:'rgba(16,185,129,0.15)', borderWidth:2.5, fill:true, tension:0.4, pointRadius:0, order:1 }
|
| 829 |
-
]
|
| 830 |
-
},
|
| 831 |
-
options:{ responsive:true, maintainAspectRatio:false,
|
| 832 |
-
plugins:{ legend:{labels:{font:{size:11}}}, tooltip:{ callbacks:{ label:ctx=>' '+fmt$(ctx.raw) } } },
|
| 833 |
-
scales:{
|
| 834 |
-
x:{ grid:{display:false}, stacked:false, ticks:{maxTicksLimit:8,font:{size:11}} },
|
| 835 |
-
y:{ grid:{color:'rgba(34,211,238,0.06)'}, ticks:{ callback:v=>'$'+(v/1000).toFixed(0)+'K', font:{size:11} } }
|
| 836 |
-
}
|
| 837 |
-
}
|
| 838 |
-
});
|
| 839 |
-
}
|
| 840 |
-
|
| 841 |
-
// ══ CALCULATOR 4: Inflation ════���══════════════════════════════════
|
| 842 |
-
function calcInflation() {
|
| 843 |
-
const amount = parseFloat(document.getElementById('inf-amount').value);
|
| 844 |
-
const years = parseInt(document.getElementById('inf-years').value);
|
| 845 |
-
const infRate = parseFloat(document.getElementById('inf-rate').value)/100;
|
| 846 |
-
const invRate = parseFloat(document.getElementById('inf-invest').value)/100;
|
| 847 |
-
|
| 848 |
-
document.getElementById('inf-amount-val').textContent = '$'+amount.toLocaleString();
|
| 849 |
-
document.getElementById('inf-years-val').textContent = years+' year'+(years===1?'':'s');
|
| 850 |
-
document.getElementById('inf-rate-val').textContent = (infRate*100).toFixed(1)+'%';
|
| 851 |
-
document.getElementById('inf-invest-val').textContent = (invRate*100).toFixed(1)+'%';
|
| 852 |
-
|
| 853 |
-
const realValue = amount / Math.pow(1+infRate, years);
|
| 854 |
-
const nomValue = amount; // cash under mattress, nominal stays same
|
| 855 |
-
const invValue = amount * Math.pow(1+invRate, years);
|
| 856 |
-
const loss = amount - realValue;
|
| 857 |
-
|
| 858 |
-
document.getElementById('inf-today').textContent = fmt$(amount);
|
| 859 |
-
document.getElementById('inf-future-worth').textContent = fmt$(realValue);
|
| 860 |
-
document.getElementById('inf-years-txt').textContent = years;
|
| 861 |
-
document.getElementById('inf-result').textContent = fmt$(realValue);
|
| 862 |
-
document.getElementById('inf-loss').textContent = fmt$(loss);
|
| 863 |
-
document.getElementById('inf-rb-nom').textContent = fmt$(nomValue);
|
| 864 |
-
document.getElementById('inf-rb-real').textContent = fmt$(realValue);
|
| 865 |
-
document.getElementById('inf-rb-inv').textContent = fmt$(invValue);
|
| 866 |
-
|
| 867 |
-
// Chart
|
| 868 |
-
const yrs = Array.from({length:years+1},(_,i)=>i);
|
| 869 |
-
const cash = yrs.map(()=>amount);
|
| 870 |
-
const real = yrs.map(y => amount/Math.pow(1+infRate,y));
|
| 871 |
-
const inv = yrs.map(y => amount*Math.pow(1+invRate,y));
|
| 872 |
-
|
| 873 |
-
if (infChart) infChart.destroy();
|
| 874 |
-
const ctx = document.getElementById('infChart').getContext('2d');
|
| 875 |
-
|
| 876 |
-
infChart = new Chart(ctx, {
|
| 877 |
-
type:'line',
|
| 878 |
-
data:{
|
| 879 |
-
labels: yrs.map(y=>'Yr '+y),
|
| 880 |
-
datasets:[
|
| 881 |
-
{ label:'Invested', data:inv, borderColor:'#10b981', backgroundColor:'rgba(16,185,129,0.1)', borderWidth:2.5, fill:true, tension:0.4, pointRadius:0 },
|
| 882 |
-
{ label:'Cash (nominal)', data:cash, borderColor:'rgba(34,211,238,0.5)', borderDash:[5,5], borderWidth:1.5, fill:false, pointRadius:0 },
|
| 883 |
-
{ label:'Real Value (after inflation)', data:real, borderColor:'#f43f5e', backgroundColor:'rgba(244,63,94,0.1)', borderWidth:2, fill:true, tension:0.4, pointRadius:0 }
|
| 884 |
-
]
|
| 885 |
-
},
|
| 886 |
-
options:{ responsive:true, maintainAspectRatio:false,
|
| 887 |
-
plugins:{ legend:{labels:{font:{size:11}}}, tooltip:{ callbacks:{ label:ctx=>' '+fmt$(ctx.raw) } } },
|
| 888 |
-
scales:{
|
| 889 |
-
x:{ grid:{display:false}, ticks:{maxTicksLimit:8,font:{size:11}} },
|
| 890 |
-
y:{ grid:{color:'rgba(34,211,238,0.06)'}, ticks:{ callback:v=>'$'+(v/1000).toFixed(0)+'K', font:{size:11} } }
|
| 891 |
-
}
|
| 892 |
-
}
|
| 893 |
-
});
|
| 894 |
-
}
|
| 895 |
-
|
| 896 |
-
document.addEventListener('DOMContentLoaded', () => {
|
| 897 |
-
applyChartDefaults();
|
| 898 |
-
calcGrowth();
|
| 899 |
-
calcRetirement();
|
| 900 |
-
calcSIP();
|
| 901 |
-
calcInflation();
|
| 902 |
-
});
|
| 903 |
-
</script>
|
| 904 |
-
</body>
|
| 905 |
-
</html>
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