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Compound Interest
Watch your investments grow exponentially
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%
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Future Value
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Interest: $0
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50/30/20 Budget
The smart way to allocate your income
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Your Monthly Budget
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Needs (50%)
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Savings (20%)
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Debt Payoff
Find your path to debt freedom
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%
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Debt-Free In
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Total Interest
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Total Amount Paid
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Savings Goal
Break big goals into small steps
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Save Each Month
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Weekly Target
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Daily Target
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Emergency Fund
Build your financial safety net
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Recommended Fund
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Minimum (3 months)
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Secure (12 months)
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Net Worth
Track your total wealth
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Your Net Worth
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Assets to Liabilities Ratio
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Mortgage Calculator
Calculate your monthly mortgage payment with taxes and insurance
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Monthly Payment
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Principal & Interest
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Loan Amount
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Total Interest Paid
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Car Payment Calculator
Calculate your monthly auto loan payment
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Loan Amount
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Total Interest
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Total Cost
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Retirement Calculator
See how much you'll have for retirement
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Retirement Savings
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Years Until Retirement
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Total Contributions
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Interest Earned
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Loan Calculator
Calculate payments for any type of loan
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Monthly Payment
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Total Interest
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Total Amount Paid
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Salary Calculator
Convert between hourly, monthly, and annual salary
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Salary Breakdown
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Income Tax Calculator
Estimate your federal income tax (US 2026)
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Estimated Federal Tax
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Effective Tax Rate
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Taxable Income
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Take-Home (After Tax)
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Inflation Calculator
See how inflation erodes your purchasing power over time
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Future Purchasing Power
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Purchasing Power Lost
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Equivalent Today Needs
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FIRE Calculator
Calculate your path to Financial Independence, Retire Early
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Your FIRE Number
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Years to FIRE
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Monthly Income (4% Rule)
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Current Progress
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Paycheck Calculator
Calculate your take-home pay after taxes and deductions
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Take-Home Pay
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Federal Tax
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FICA (SS + Medicare)
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Amortization Calculator
See your complete loan payment schedule
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Monthly Payment
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Total Interest
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Total Cost
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Payoff Date
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Roth IRA Calculator
Calculate tax-free retirement growth
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Roth IRA at Retirement
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Total Contributions
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Tax-Free Growth
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Monthly Income (4% Rule)
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Social Security Calculator
Compare benefits at different claiming ages
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Optimal Claiming Age
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Claim at 62
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Claim at 67 (FRA)
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Claim at 70
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Student Loan Calculator
Plan your student loan payoff strategy
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Payoff Summary
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Total Interest
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Total Paid
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Months to Payoff
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Down Payment Calculator
Plan your home buying savings goal
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Down Payment Needed
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Amount Still Needed
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Months to Goal
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PMI Required?
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401(k) Calculator
Calculate your retirement savings with employer match
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%
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401(k) at Retirement
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Your Contributions
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Employer Match
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Investment Growth
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Monthly Income (4% Rule)
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Investment Calculator
Project your investment returns over time
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Future Value
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Debt-to-Income Calculator
Check if you qualify for a mortgage or loan
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Your DTI Ratio
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Front-End DTI (Housing)
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Back-End DTI (Total)
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Loan Eligibility
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Credit Utilization Calculator
Optimize your credit score by managing utilization
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Credit Utilization
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Credit Score Impact
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Optimal Balance (30%)
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Ideal Balance (10%)
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CD Calculator
Calculate certificate of deposit returns
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Interest Earned
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Effective APY
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APY Calculator
Convert interest rate to annual percentage yield
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๐Ÿ“Š Annual Percentage Yield
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Extra Earned per $10,000
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APY vs APR Difference
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Auto Loan Calculator
Calculate your car loan payment
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$
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๐Ÿš™ Monthly Payment
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Loan Amount
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Total Interest
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Total Cost
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Home Affordability
How much house can you afford?
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Max Monthly Payment
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Loan Amount
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// Compound Interest Calculator function calculateCompound(btn) { setButtonLoading(btn, true); setTimeout(() => { const principal = parseFloat(document.getElementById('ci-principal').value) || 0; const rate = parseFloat(document.getElementById('ci-rate').value) / 100; const years = parseFloat(document.getElementById('ci-years').value) || 0; const monthly = parseFloat(document.getElementById('ci-monthly').value) || 0; const n = 12; const t = years; const fvPrincipal = principal * Math.pow(1 + rate / n, n * t); const fvContributions = monthly * (Math.pow(1 + rate / n, n * t) - 1) / (rate / n); const futureValue = fvPrincipal + fvContributions; const totalContributions = principal + (monthly * 12 * years); const totalInterest = futureValue - totalContributions; const contributionsPercent = (totalContributions / futureValue) * 100; const interestPercent = (totalInterest / futureValue) * 100; document.getElementById('ci-future').textContent = formatCurrency(futureValue); document.getElementById('ci-contributions-legend').textContent = formatCurrency(totalContributions); document.getElementById('ci-interest-legend').textContent = formatCurrency(totalInterest); // Animate chart setTimeout(() => { document.getElementById('ci-chart-principal').style.width = contributionsPercent + '%'; document.getElementById('ci-chart-interest').style.width = interestPercent + '%'; }, 100); document.getElementById('ci-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Budget Calculator function calculateBudget(btn) { setButtonLoading(btn, true); setTimeout(() => { const income = parseFloat(document.getElementById('budget-income').value) || 0; const needs = income * 0.50; const wants = income * 0.30; const savings = income * 0.20; document.getElementById('budget-needs').textContent = formatCurrency(needs); document.getElementById('budget-wants').textContent = formatCurrency(wants); document.getElementById('budget-savings').textContent = formatCurrency(savings); document.getElementById('budget-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Debt Payoff Calculator function calculateDebt(btn) { setButtonLoading(btn, true); setTimeout(() => { const amount = parseFloat(document.getElementById('debt-amount').value) || 0; const rate = parseFloat(document.getElementById('debt-rate').value) / 100 / 12; const payment = parseFloat(document.getElementById('debt-payment').value) || 0; if (payment <= amount * rate) { document.getElementById('debt-months').textContent = "Payment too low! ๐Ÿ˜ฐ"; document.getElementById('debt-interest').textContent = "N/A"; document.getElementById('debt-total').textContent = "N/A"; document.getElementById('debt-result').classList.add('show'); setButtonLoading(btn, false); return; } const months = Math.ceil(-Math.log(1 - (amount * rate / payment)) / Math.log(1 + rate)); const totalPaid = months * payment; const totalInterest = totalPaid - amount; const yearsCalc = Math.floor(months / 12); const monthsRemaining = months % 12; let timeString = months + ' months'; if (yearsCalc > 0) { timeString = yearsCalc + ' yr ' + monthsRemaining + ' mo'; } document.getElementById('debt-months').textContent = timeString; document.getElementById('debt-interest').textContent = formatCurrency(totalInterest); document.getElementById('debt-total').textContent = formatCurrency(totalPaid); document.getElementById('debt-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Savings Goal Calculator function calculateSavingsGoal(btn) { setButtonLoading(btn, true); setTimeout(() => { const goal = parseFloat(document.getElementById('goal-amount').value) || 0; const current = parseFloat(document.getElementById('goal-current').value) || 0; const months = parseFloat(document.getElementById('goal-months').value) || 1; const remaining = goal - current; const monthly = remaining / months; const weekly = monthly / 4.33; const daily = monthly / 30; document.getElementById('goal-monthly').textContent = formatCurrency(monthly); document.getElementById('goal-weekly').textContent = formatCurrency(weekly); document.getElementById('goal-daily').textContent = formatCurrency(daily); document.getElementById('goal-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Emergency Fund Calculator function calculateEmergency(btn) { setButtonLoading(btn, true); setTimeout(() => { const expenses = parseFloat(document.getElementById('ef-expenses').value) || 0; const months = parseFloat(document.getElementById('ef-months').value) || 6; const target = expenses * months; document.getElementById('ef-target').textContent = formatCurrency(target); document.getElementById('ef-3mo').textContent = formatCurrency(expenses * 3); document.getElementById('ef-6mo').textContent = formatCurrency(expenses * 6); document.getElementById('ef-12mo').textContent = formatCurrency(expenses * 12); document.getElementById('ef-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Net Worth Calculator function calculateNetWorth(btn) { setButtonLoading(btn, true); setTimeout(() => { const assets = parseFloat(document.getElementById('nw-assets').value) || 0; const liabilities = parseFloat(document.getElementById('nw-liabilities').value) || 0; const netWorth = assets - liabilities; const ratio = liabilities > 0 ? (assets / liabilities).toFixed(2) : "โˆž"; const assetPercent = assets > 0 && liabilities > 0 ? (assets / (assets + liabilities)) * 100 : 100; document.getElementById('nw-total').textContent = formatCurrency(netWorth); document.getElementById('nw-ratio').textContent = ratio + " : 1"; // Animate chart setTimeout(() => { document.getElementById('nw-chart-assets').style.width = assetPercent + '%'; }, 100); document.getElementById('nw-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Mortgage Calculator function calculateMortgage(btn) { setButtonLoading(btn, true); setTimeout(() => { const price = parseFloat(document.getElementById('mort-price').value) || 0; const downPercent = parseFloat(document.getElementById('mort-down').value) || 0; const rate = parseFloat(document.getElementById('mort-rate').value) || 0; const years = parseFloat(document.getElementById('mort-years').value) || 30; const downPayment = price * (downPercent / 100); const loanAmount = price - downPayment; const monthlyRate = rate / 100 / 12; const numPayments = years * 12; let monthlyPayment; if (monthlyRate === 0) { monthlyPayment = loanAmount / numPayments; } else { monthlyPayment = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numPayments)) / (Math.pow(1 + monthlyRate, numPayments) - 1); } const totalPaid = monthlyPayment * numPayments; const totalInterest = totalPaid - loanAmount; document.getElementById('mort-payment').textContent = formatCurrency(monthlyPayment); document.getElementById('mort-pi').textContent = formatCurrency(monthlyPayment); document.getElementById('mort-loan').textContent = formatCurrency(loanAmount); document.getElementById('mort-total-interest').textContent = formatCurrency(totalInterest); document.getElementById('mort-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Car Payment Calculator function calculateCar(btn) { setButtonLoading(btn, true); setTimeout(() => { const price = parseFloat(document.getElementById('car-price').value) || 0; const down = parseFloat(document.getElementById('car-down').value) || 0; const rate = parseFloat(document.getElementById('car-rate').value) || 0; const months = parseFloat(document.getElementById('car-months').value) || 60; const loanAmount = price - down; const monthlyRate = rate / 100 / 12; let monthlyPayment; if (monthlyRate === 0) { monthlyPayment = loanAmount / months; } else { monthlyPayment = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, months)) / (Math.pow(1 + monthlyRate, months) - 1); } const totalPaid = monthlyPayment * months; const totalInterest = totalPaid - loanAmount; document.getElementById('car-payment').textContent = formatCurrency(monthlyPayment); document.getElementById('car-loan').textContent = formatCurrency(loanAmount); document.getElementById('car-interest').textContent = formatCurrency(totalInterest); document.getElementById('car-total').textContent = formatCurrency(totalPaid + down); document.getElementById('car-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Retirement Calculator function calculateRetirement(btn) { setButtonLoading(btn, true); setTimeout(() => { const currentAge = parseFloat(document.getElementById('ret-age').value) || 30; const retireAge = parseFloat(document.getElementById('ret-retire-age').value) || 65; const currentSavings = parseFloat(document.getElementById('ret-current').value) || 0; const monthlyContrib = parseFloat(document.getElementById('ret-monthly').value) || 0; const annualReturn = parseFloat(document.getElementById('ret-return').value) || 7; const years = retireAge - currentAge; const monthlyRate = annualReturn / 100 / 12; const months = years * 12; // Future value of current savings const fvCurrent = currentSavings * Math.pow(1 + monthlyRate, months); // Future value of monthly contributions let fvContributions; if (monthlyRate === 0) { fvContributions = monthlyContrib * months; } else { fvContributions = monthlyContrib * ((Math.pow(1 + monthlyRate, months) - 1) / monthlyRate); } const totalSavings = fvCurrent + fvContributions; const totalContributions = currentSavings + (monthlyContrib * months); const interestEarned = totalSavings - totalContributions; document.getElementById('ret-total').textContent = formatCurrency(totalSavings); document.getElementById('ret-years').textContent = years + ' years'; document.getElementById('ret-contributions').textContent = formatCurrency(totalContributions); document.getElementById('ret-interest').textContent = formatCurrency(interestEarned); document.getElementById('ret-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Loan Calculator function calculateLoan(btn) { setButtonLoading(btn, true); setTimeout(() => { const amount = parseFloat(document.getElementById('loan-amount').value) || 0; const rate = parseFloat(document.getElementById('loan-rate').value) || 0; const years = parseFloat(document.getElementById('loan-years').value) || 5; const monthlyRate = rate / 100 / 12; const months = years * 12; let monthlyPayment; if (monthlyRate === 0) { monthlyPayment = amount / months; } else { monthlyPayment = amount * (monthlyRate * Math.pow(1 + monthlyRate, months)) / (Math.pow(1 + monthlyRate, months) - 1); } const totalPaid = monthlyPayment * months; const totalInterest = totalPaid - amount; document.getElementById('loan-payment').textContent = formatCurrency(monthlyPayment); document.getElementById('loan-interest').textContent = formatCurrency(totalInterest); document.getElementById('loan-total').textContent = formatCurrency(totalPaid); document.getElementById('loan-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Salary Calculator function calculateSalary(btn) { setButtonLoading(btn, true); setTimeout(() => { const amount = parseFloat(document.getElementById('sal-amount').value) || 0; const period = document.getElementById('sal-period').value; const hoursPerWeek = parseFloat(document.getElementById('sal-hours').value) || 40; let annual; const weeksPerYear = 52; switch (period) { case 'hourly': annual = amount * hoursPerWeek * weeksPerYear; break; case 'weekly': annual = amount * weeksPerYear; break; case 'biweekly': annual = amount * 26; break; case 'monthly': annual = amount * 12; break; case 'annual': default: annual = amount; } const hourly = annual / (hoursPerWeek * weeksPerYear); const weekly = annual / weeksPerYear; const monthly = annual / 12; document.getElementById('sal-hourly').textContent = formatCurrency(hourly); document.getElementById('sal-weekly').textContent = formatCurrency(weekly); document.getElementById('sal-monthly').textContent = formatCurrency(monthly); document.getElementById('sal-annual').textContent = formatCurrency(annual); document.getElementById('sal-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Tax Calculator (US 2026 Brackets) function calculateTax(btn) { setButtonLoading(btn, true); setTimeout(() => { const income = parseFloat(document.getElementById('tax-income').value) || 0; const status = document.getElementById('tax-status').value; const deductions = parseFloat(document.getElementById('tax-deductions').value) || 0; const taxableIncome = Math.max(0, income - deductions); // 2026 Tax Brackets const brackets = { single: [ { max: 11600, rate: 0.10 }, { max: 47150, rate: 0.12 }, { max: 100525, rate: 0.22 }, { max: 191950, rate: 0.24 }, { max: 243725, rate: 0.32 }, { max: 609350, rate: 0.35 }, { max: Infinity, rate: 0.37 } ], married: [ { max: 23200, rate: 0.10 }, { max: 94300, rate: 0.12 }, { max: 201050, rate: 0.22 }, { max: 383900, rate: 0.24 }, { max: 487450, rate: 0.32 }, { max: 731200, rate: 0.35 }, { max: Infinity, rate: 0.37 } ], head: [ { max: 16550, rate: 0.10 }, { max: 63100, rate: 0.12 }, { max: 100500, rate: 0.22 }, { max: 191950, rate: 0.24 }, { max: 243700, rate: 0.32 }, { max: 609350, rate: 0.35 }, { max: Infinity, rate: 0.37 } ] }; const selectedBrackets = brackets[status] || brackets.single; let tax = 0; let previousMax = 0; for (const bracket of selectedBrackets) { if (taxableIncome <= previousMax) break; const taxableInBracket = Math.min(taxableIncome, bracket.max) - previousMax; tax += taxableInBracket * bracket.rate; previousMax = bracket.max; } const effectiveRate = income > 0 ? (tax / income * 100).toFixed(1) : 0; const takeHome = income - tax; document.getElementById('tax-total').textContent = formatCurrency(tax); document.getElementById('tax-rate').textContent = effectiveRate + '%'; document.getElementById('tax-taxable').textContent = formatCurrency(taxableIncome); document.getElementById('tax-takehome').textContent = formatCurrency(takeHome); document.getElementById('tax-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Inflation Calculator function calculateInflation(btn) { setButtonLoading(btn, true); setTimeout(() => { const amount = parseFloat(document.getElementById('inf-amount').value) || 10000; const rate = parseFloat(document.getElementById('inf-rate').value) || 3; const years = parseFloat(document.getElementById('inf-years').value) || 10; // Calculate future purchasing power (what today's money will buy in the future) const futureValue = amount / Math.pow(1 + rate / 100, years); const purchasingPowerLost = amount - futureValue; // What you'd need in the future to have the same purchasing power as today const equivalentNeeded = amount * Math.pow(1 + rate / 100, years); document.getElementById('inf-future').textContent = formatCurrency(futureValue); document.getElementById('inf-lost').textContent = formatCurrency(purchasingPowerLost); document.getElementById('inf-equivalent').textContent = formatCurrency(equivalentNeeded); document.getElementById('inf-result').classList.add('show'); setButtonLoading(btn, false); // Save to history if (typeof CalculatorHistory !== 'undefined') { CalculatorHistory.add('inflation', { amount, rate, years }, { futureValue: Math.round(futureValue), lost: Math.round(purchasingPowerLost) } ); } }, 500); } // FIRE (Financial Independence, Retire Early) Calculator function calculateFIRE(btn) { setButtonLoading(btn, true); setTimeout(() => { const annualExpenses = parseFloat(document.getElementById('fire-expenses').value) || 50000; const currentSavings = parseFloat(document.getElementById('fire-current').value) || 100000; const monthlySavings = parseFloat(document.getElementById('fire-monthly').value) || 2000; const expectedReturn = parseFloat(document.getElementById('fire-return').value) || 7; // FIRE Number = Annual Expenses ร— 25 (4% rule) const fireNumber = annualExpenses * 25; // Monthly income at FIRE (4% withdrawal rate) const monthlyIncome = fireNumber * 0.04 / 12; // Current progress percentage const progress = (currentSavings / fireNumber) * 100; // Calculate years to FIRE using compound interest formula // We need to solve for time when FV = fireNumber // FV = PV(1+r)^n + PMT * ((1+r)^n - 1) / r const monthlyRate = expectedReturn / 100 / 12; let years = 0; let balance = currentSavings; if (balance < fireNumber) { // Iterate month by month until we reach FIRE number let months = 0; const maxMonths = 100 * 12; // Cap at 100 years while (balance < fireNumber && months < maxMonths) { balance = balance * (1 + monthlyRate) + monthlySavings; months++; } years = months / 12; } document.getElementById('fire-number').textContent = formatCurrency(fireNumber); document.getElementById('fire-years').textContent = years === 0 ? '๐ŸŽ‰ Already there!' : (years >= 100 ? '100+ years' : years.toFixed(1) + ' years'); document.getElementById('fire-income').textContent = formatCurrency(monthlyIncome); document.getElementById('fire-progress').textContent = progress.toFixed(1) + '%'; document.getElementById('fire-result').classList.add('show'); setButtonLoading(btn, false); // Save to history if (typeof CalculatorHistory !== 'undefined') { CalculatorHistory.add('fire', { annualExpenses, currentSavings, monthlySavings, expectedReturn }, { fireNumber: Math.round(fireNumber), yearsToFire: years.toFixed(1) } ); } }, 500); } // Paycheck/Take-Home Pay Calculator function calculatePaycheck(btn) { setButtonLoading(btn, true); setTimeout(() => { const grossSalary = parseFloat(document.getElementById('pay-gross').value) || 75000; const frequency = document.getElementById('pay-frequency').value; const status = document.getElementById('pay-status').value; const stateTaxRate = parseFloat(document.getElementById('pay-state').value) || 5; // Calculate periods per year const periods = { 'weekly': 52, 'biweekly': 26, 'semimonthly': 24, 'monthly': 12 }; const periodsPerYear = periods[frequency] || 26; const grossPerPeriod = grossSalary / periodsPerYear; // FICA taxes (2026 rates) const socialSecurityRate = 0.062; const medicareRate = 0.0145; const ficaPerPeriod = grossPerPeriod * (socialSecurityRate + medicareRate); // Simplified federal tax estimate (effective rate based on brackets) let federalRate; if (grossSalary <= 11600) federalRate = 0.10; else if (grossSalary <= 47150) federalRate = 0.12; else if (grossSalary <= 100525) federalRate = 0.15; else if (grossSalary <= 191950) federalRate = 0.18; else federalRate = 0.22; // Married adjustment if (status === 'married') federalRate *= 0.85; const federalPerPeriod = grossPerPeriod * federalRate; const statePerPeriod = grossPerPeriod * (stateTaxRate / 100); const netPerPeriod = grossPerPeriod - federalPerPeriod - statePerPeriod - ficaPerPeriod; document.getElementById('pay-net').textContent = formatCurrency(netPerPeriod) + '/paycheck'; document.getElementById('pay-federal').textContent = formatCurrency(federalPerPeriod); document.getElementById('pay-state-tax').textContent = formatCurrency(statePerPeriod); document.getElementById('pay-fica').textContent = formatCurrency(ficaPerPeriod); document.getElementById('pay-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Amortization Calculator function calculateAmortization(btn) { setButtonLoading(btn, true); setTimeout(() => { const loanAmount = parseFloat(document.getElementById('amort-amount').value) || 250000; const rate = parseFloat(document.getElementById('amort-rate').value) || 6.5; const years = parseFloat(document.getElementById('amort-years').value) || 30; const extraPayment = parseFloat(document.getElementById('amort-extra').value) || 0; const monthlyRate = rate / 100 / 12; const totalMonths = years * 12; // Standard monthly payment let monthlyPayment; if (monthlyRate === 0) { monthlyPayment = loanAmount / totalMonths; } else { monthlyPayment = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, totalMonths)) / (Math.pow(1 + monthlyRate, totalMonths) - 1); } // Calculate with extra payments let balance = loanAmount; let totalInterest = 0; let months = 0; const maxMonths = totalMonths; while (balance > 0.01 && months < maxMonths * 2) { const interestPayment = balance * monthlyRate; let principalPayment = monthlyPayment - interestPayment + extraPayment; if (principalPayment > balance) { principalPayment = balance; } balance -= principalPayment; totalInterest += interestPayment; months++; } const totalCost = loanAmount + totalInterest; const payoffDate = new Date(); payoffDate.setMonth(payoffDate.getMonth() + months); document.getElementById('amort-payment').textContent = formatCurrency(monthlyPayment + extraPayment); document.getElementById('amort-interest').textContent = formatCurrency(totalInterest); document.getElementById('amort-total').textContent = formatCurrency(totalCost); document.getElementById('amort-payoff').textContent = payoffDate.toLocaleDateString('en-US', { month: 'short', year: 'numeric' }); document.getElementById('amort-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Roth IRA Calculator function calculateRothIRA(btn) { setButtonLoading(btn, true); setTimeout(() => { const currentAge = parseFloat(document.getElementById('roth-age').value) || 30; const retireAge = parseFloat(document.getElementById('roth-retire').value) || 65; const annualContrib = parseFloat(document.getElementById('roth-contrib').value) || 7000; const currentBalance = parseFloat(document.getElementById('roth-balance').value) || 25000; const expectedReturn = parseFloat(document.getElementById('roth-return').value) || 7; const years = retireAge - currentAge; const monthlyRate = expectedReturn / 100 / 12; const months = years * 12; const monthlyContrib = annualContrib / 12; // Future value of current balance const fvBalance = currentBalance * Math.pow(1 + monthlyRate, months); // Future value of contributions let fvContribs; if (monthlyRate === 0) { fvContribs = monthlyContrib * months; } else { fvContribs = monthlyContrib * ((Math.pow(1 + monthlyRate, months) - 1) / monthlyRate); } const totalValue = fvBalance + fvContribs; const totalContributions = currentBalance + (annualContrib * years); const taxFreeGrowth = totalValue - totalContributions; const monthlyIncome = totalValue * 0.04 / 12; document.getElementById('roth-total').textContent = formatCurrency(totalValue); document.getElementById('roth-contributions').textContent = formatCurrency(totalContributions); document.getElementById('roth-growth').textContent = formatCurrency(taxFreeGrowth); document.getElementById('roth-income').textContent = formatCurrency(monthlyIncome); document.getElementById('roth-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Social Security Calculator function calculateSocialSecurity(btn) { setButtonLoading(btn, true); setTimeout(() => { const birthYear = parseFloat(document.getElementById('ss-birth').value) || 1970; const benefitAt67 = parseFloat(document.getElementById('ss-benefit').value) || 2500; const lifeExpectancy = parseFloat(document.getElementById('ss-life').value) || 85; // Calculate benefits at different ages // Claim at 62: 70% of FRA benefit // Claim at 67: 100% (Full Retirement Age) // Claim at 70: 124% of FRA benefit const benefit62 = benefitAt67 * 0.70; const benefit67 = benefitAt67; const benefit70 = benefitAt67 * 1.24; // Calculate lifetime benefits const months62 = (lifeExpectancy - 62) * 12; const months67 = (lifeExpectancy - 67) * 12; const months70 = (lifeExpectancy - 70) * 12; const lifetime62 = benefit62 * months62; const lifetime67 = benefit67 * months67; const lifetime70 = benefit70 * months70; // Determine optimal age let optimal = '62'; let maxLifetime = lifetime62; if (lifetime67 > maxLifetime) { optimal = '67'; maxLifetime = lifetime67; } if (lifetime70 > maxLifetime) { optimal = '70'; maxLifetime = lifetime70; } document.getElementById('ss-optimal').textContent = 'Age ' + optimal + ' (Best Value)'; document.getElementById('ss-62').textContent = formatCurrency(benefit62) + '/mo'; document.getElementById('ss-67').textContent = formatCurrency(benefit67) + '/mo'; document.getElementById('ss-70').textContent = formatCurrency(benefit70) + '/mo'; document.getElementById('ss-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Student Loan Calculator function calculateStudentLoan(btn) { setButtonLoading(btn, true); setTimeout(() => { const balance = parseFloat(document.getElementById('student-balance').value) || 35000; const rate = parseFloat(document.getElementById('student-rate').value) || 5.5; const payment = parseFloat(document.getElementById('student-payment').value) || 400; const term = parseFloat(document.getElementById('student-term').value) || 10; const monthlyRate = rate / 100 / 12; // Calculate months to payoff with given payment let currentBalance = balance; let totalInterest = 0; let months = 0; const maxMonths = term * 12 * 2; while (currentBalance > 0.01 && months < maxMonths) { const interestPayment = currentBalance * monthlyRate; const principalPayment = payment - interestPayment; if (principalPayment <= 0) { // Payment too low months = Infinity; break; } currentBalance -= principalPayment; totalInterest += interestPayment; months++; } const totalPaid = balance + totalInterest; const payoffDate = new Date(); payoffDate.setMonth(payoffDate.getMonth() + months); document.getElementById('student-payoff-date').textContent = months === Infinity ? 'Payment too low!' : payoffDate.toLocaleDateString('en-US', { month: 'short', year: 'numeric' }); document.getElementById('student-interest').textContent = formatCurrency(totalInterest); document.getElementById('student-total').textContent = formatCurrency(totalPaid); document.getElementById('student-months').textContent = months === Infinity ? 'N/A' : months + ' months'; document.getElementById('student-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Down Payment Calculator function calculateDownPayment(btn) { setButtonLoading(btn, true); setTimeout(() => { const homePrice = parseFloat(document.getElementById('dp-price').value) || 400000; const downPercent = parseFloat(document.getElementById('dp-percent').value) || 20; const currentSavings = parseFloat(document.getElementById('dp-savings').value) || 20000; const monthlySavings = parseFloat(document.getElementById('dp-monthly').value) || 1500; const downPaymentNeeded = homePrice * (downPercent / 100); const amountNeeded = Math.max(0, downPaymentNeeded - currentSavings); const monthsToGoal = monthlySavings > 0 ? Math.ceil(amountNeeded / monthlySavings) : Infinity; const pmiRequired = downPercent < 20; document.getElementById('dp-amount').textContent = formatCurrency(downPaymentNeeded); document.getElementById('dp-needed').textContent = amountNeeded > 0 ? formatCurrency(amountNeeded) : 'โœ… Already saved!'; document.getElementById('dp-months').textContent = amountNeeded <= 0 ? '0' : (monthsToGoal === Infinity ? 'N/A' : monthsToGoal + ' months'); document.getElementById('dp-pmi').textContent = pmiRequired ? 'โš ๏ธ Yes (under 20%)' : 'โœ… No'; document.getElementById('dp-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // 401(k) Calculator function calculate401k(btn) { setButtonLoading(btn, true); setTimeout(() => { const currentAge = parseFloat(document.getElementById('k401-age').value) || 30; const retireAge = parseFloat(document.getElementById('k401-retire').value) || 65; const salary = parseFloat(document.getElementById('k401-salary').value) || 75000; const contribPercent = parseFloat(document.getElementById('k401-contrib').value) || 10; const matchPercent = parseFloat(document.getElementById('k401-match').value) || 50; const matchLimit = parseFloat(document.getElementById('k401-limit').value) || 6; const currentBalance = parseFloat(document.getElementById('k401-balance').value) || 50000; const expectedReturn = parseFloat(document.getElementById('k401-return').value) || 7; const years = retireAge - currentAge; const monthlyRate = expectedReturn / 100 / 12; const months = years * 12; // Annual contributions const yourAnnualContrib = salary * (contribPercent / 100); // Employer match (match % of your contribution, up to match limit % of salary) const matchableAmount = Math.min(yourAnnualContrib, salary * (matchLimit / 100)); const employerAnnualMatch = matchableAmount * (matchPercent / 100); const totalAnnualContrib = yourAnnualContrib + employerAnnualMatch; const monthlyContrib = totalAnnualContrib / 12; // Future value of current balance const fvBalance = currentBalance * Math.pow(1 + monthlyRate, months); // Future value of contributions let fvContribs; if (monthlyRate === 0) { fvContribs = monthlyContrib * months; } else { fvContribs = monthlyContrib * ((Math.pow(1 + monthlyRate, months) - 1) / monthlyRate); } const totalAtRetirement = fvBalance + fvContribs; const totalYourContribs = yourAnnualContrib * years; const totalEmployerMatch = employerAnnualMatch * years; const investmentGrowth = totalAtRetirement - currentBalance - totalYourContribs - totalEmployerMatch; const monthlyIncome = totalAtRetirement * 0.04 / 12; document.getElementById('k401-total').textContent = formatCurrency(totalAtRetirement); document.getElementById('k401-your-contrib').textContent = formatCurrency(totalYourContribs); document.getElementById('k401-employer').textContent = formatCurrency(totalEmployerMatch); document.getElementById('k401-growth').textContent = formatCurrency(investmentGrowth); document.getElementById('k401-income').textContent = formatCurrency(monthlyIncome) + '/mo'; document.getElementById('k401-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Investment Return Calculator function calculateInvestment(btn) { setButtonLoading(btn, true); setTimeout(() => { const initial = parseFloat(document.getElementById('inv-initial').value) || 10000; const monthly = parseFloat(document.getElementById('inv-monthly').value) || 500; const annualReturn = parseFloat(document.getElementById('inv-return').value) || 8; const years = parseFloat(document.getElementById('inv-years').value) || 20; const monthlyRate = annualReturn / 100 / 12; const months = years * 12; // Future value of initial investment const fvInitial = initial * Math.pow(1 + monthlyRate, months); // Future value of monthly contributions let fvContribs; if (monthlyRate === 0) { fvContribs = monthly * months; } else { fvContribs = monthly * ((Math.pow(1 + monthlyRate, months) - 1) / monthlyRate); } const futureValue = fvInitial + fvContribs; const totalInvested = initial + (monthly * months); const totalReturns = futureValue - totalInvested; // Chart percentages const principalPercent = (totalInvested / futureValue) * 100; const returnsPercent = (totalReturns / futureValue) * 100; document.getElementById('inv-future').textContent = formatCurrency(futureValue); document.getElementById('inv-invested').textContent = formatCurrency(totalInvested); document.getElementById('inv-returns').textContent = formatCurrency(totalReturns); document.getElementById('inv-chart-principal').style.width = principalPercent + '%'; document.getElementById('inv-chart-returns').style.width = returnsPercent + '%'; document.getElementById('inv-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Debt-to-Income Ratio Calculator function calculateDTI(btn) { setButtonLoading(btn, true); setTimeout(() => { const income = parseFloat(document.getElementById('dti-income').value) || 6000; const housing = parseFloat(document.getElementById('dti-housing').value) || 1500; const car = parseFloat(document.getElementById('dti-car').value) || 400; const credit = parseFloat(document.getElementById('dti-credit').value) || 200; const student = parseFloat(document.getElementById('dti-student').value) || 300; const other = parseFloat(document.getElementById('dti-other').value) || 0; const totalDebt = housing + car + credit + student + other; const frontEndDTI = (housing / income) * 100; const backEndDTI = (totalDebt / income) * 100; // Determine loan eligibility let status = ''; if (backEndDTI <= 36) { status = 'โœ… Excellent'; } else if (backEndDTI <= 43) { status = 'โœ… Good'; } else if (backEndDTI <= 50) { status = 'โš ๏ธ May qualify'; } else { status = 'โŒ High risk'; } document.getElementById('dti-ratio').textContent = backEndDTI.toFixed(1) + '%'; document.getElementById('dti-frontend').textContent = frontEndDTI.toFixed(1) + '%'; document.getElementById('dti-backend').textContent = backEndDTI.toFixed(1) + '%'; document.getElementById('dti-status').textContent = status; document.getElementById('dti-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Credit Utilization Calculator function calculateCreditUtil(btn) { setButtonLoading(btn, true); setTimeout(() => { const balance = parseFloat(document.getElementById('cu-balance').value) || 3000; const limit = parseFloat(document.getElementById('cu-limit').value) || 15000; const utilization = limit > 0 ? (balance / limit) * 100 : 0; const optimalBalance = limit * 0.30; const idealBalance = limit * 0.10; // Credit score impact let impact = ''; if (utilization <= 10) { impact = 'โญ Excellent'; } else if (utilization <= 30) { impact = 'โœ… Good'; } else if (utilization <= 50) { impact = 'โš ๏ธ Fair'; } else if (utilization <= 75) { impact = '๐Ÿ”ป Poor'; } else { impact = 'โŒ Very Poor'; } document.getElementById('cu-percent').textContent = utilization.toFixed(1) + '%'; document.getElementById('cu-impact').textContent = impact; document.getElementById('cu-optimal').textContent = formatCurrency(optimalBalance); document.getElementById('cu-ideal').textContent = formatCurrency(idealBalance); document.getElementById('cu-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // CD Calculator function calculateCD(btn) { setButtonLoading(btn, true); setTimeout(() => { const deposit = parseFloat(document.getElementById('cd-deposit').value) || 10000; const apy = parseFloat(document.getElementById('cd-apy').value) || 5; const termMonths = parseFloat(document.getElementById('cd-term').value) || 12; const compound = parseFloat(document.getElementById('cd-compound').value) || 365; const rate = apy / 100; const years = termMonths / 12; // Calculate maturity value const maturityValue = deposit * Math.pow(1 + rate / compound, compound * years); const interestEarned = maturityValue - deposit; // Calculate effective APY const effectiveAPY = (Math.pow(maturityValue / deposit, 1 / years) - 1) * 100; document.getElementById('cd-total').textContent = formatCurrency(maturityValue); document.getElementById('cd-interest').textContent = formatCurrency(interestEarned); document.getElementById('cd-effective-apy').textContent = effectiveAPY.toFixed(2) + '%'; document.getElementById('cd-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // APY Calculator function calculateAPY(btn) { setButtonLoading(btn, true); setTimeout(() => { const rate = parseFloat(document.getElementById('apy-rate').value) || 5; const compound = parseFloat(document.getElementById('apy-compound').value) || 12; // APY = (1 + r/n)^n - 1 const apr = rate / 100; const apy = (Math.pow(1 + apr / compound, compound) - 1) * 100; // Extra earned per $10,000 const simpleInterest = 10000 * (rate / 100); const compoundInterest = 10000 * (apy / 100); const extra = compoundInterest - simpleInterest; const diff = apy - rate; document.getElementById('apy-value').textContent = apy.toFixed(3) + '%'; document.getElementById('apy-extra').textContent = formatCurrency(extra); document.getElementById('apy-diff').textContent = '+' + diff.toFixed(3) + '%'; document.getElementById('apy-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Auto Loan Calculator function calculateAutoLoan(btn) { setButtonLoading(btn, true); setTimeout(() => { const price = parseFloat(document.getElementById('auto-price').value) || 35000; const down = parseFloat(document.getElementById('auto-down').value) || 5000; const trade = parseFloat(document.getElementById('auto-trade').value) || 0; const rate = parseFloat(document.getElementById('auto-rate').value) || 6.5; const term = parseFloat(document.getElementById('auto-term').value) || 60; const loanAmount = price - down - trade; const monthlyRate = rate / 100 / 12; let monthlyPayment; if (monthlyRate === 0) { monthlyPayment = loanAmount / term; } else { monthlyPayment = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, term)) / (Math.pow(1 + monthlyRate, term) - 1); } const totalPaid = monthlyPayment * term; const totalInterest = totalPaid - loanAmount; const totalCost = price + totalInterest; document.getElementById('auto-payment').textContent = formatCurrency(monthlyPayment); document.getElementById('auto-loan-amount').textContent = formatCurrency(loanAmount); document.getElementById('auto-interest').textContent = formatCurrency(totalInterest); document.getElementById('auto-total').textContent = formatCurrency(totalCost); document.getElementById('auto-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Home Affordability Calculator function calculateAffordability(btn) { setButtonLoading(btn, true); setTimeout(() => { const income = parseFloat(document.getElementById('afford-income').value) || 100000; const debts = parseFloat(document.getElementById('afford-debts').value) || 500; const down = parseFloat(document.getElementById('afford-down').value) || 60000; const rate = parseFloat(document.getElementById('afford-rate').value) || 6.5; const taxRate = parseFloat(document.getElementById('afford-tax').value) || 1.2; const insurance = parseFloat(document.getElementById('afford-insurance').value) || 1500; const monthlyIncome = income / 12; const maxDTI = 0.36; // Conservative 36% DTI // Max total housing payment (including existing debts) const maxTotalPayment = monthlyIncome * maxDTI; const maxHousingPayment = maxTotalPayment - debts; // Work backwards to find max home price const monthlyRate = rate / 100 / 12; const months = 30 * 12; // 30-year mortgage // Start with max housing payment and subtract taxes/insurance // Then calculate the loan amount that fits within this // We'll iterate to find the right price let homePrice = 0; for (let price = 50000; price <= 2000000; price += 5000) { const loanAmount = price - down; const monthlyPrincipalInterest = monthlyRate === 0 ? loanAmount / months : loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, months)) / (Math.pow(1 + monthlyRate, months) - 1); const monthlyTax = (price * taxRate / 100) / 12; const monthlyInsurance = insurance / 12; const totalMonthly = monthlyPrincipalInterest + monthlyTax + monthlyInsurance; if (totalMonthly <= maxHousingPayment) { homePrice = price; } else { break; } } const loanAmount = homePrice - down; const usedDTI = ((maxHousingPayment + debts) / monthlyIncome * 100).toFixed(0); document.getElementById('afford-max').textContent = formatCurrency(homePrice); document.getElementById('afford-payment').textContent = formatCurrency(maxHousingPayment); document.getElementById('afford-dti').textContent = usedDTI + '%'; document.getElementById('afford-loan').textContent = formatCurrency(loanAmount); document.getElementById('afford-result').classList.add('show'); setButtonLoading(btn, false); }, 500); } // Debounce utility for real-time calculation function debounce(func, wait) { let timeout; return function executedFunction(...args) { const later = () => { clearTimeout(timeout); func(...args); }; clearTimeout(timeout); timeout = setTimeout(later, wait); }; } // Real-time auto-calculation on input change function setupAutoCalculation() { const calculatorMap = { 'ci-': 'calculateCompound', 'budget-': 'calculateBudget', 'debt-': 'calculateDebt', 'goal-': 'calculateSavingsGoal', 'ef-': 'calculateEmergency', 'nw-': 'calculateNetWorth', 'mort-': 'calculateMortgage', 'car-': 'calculateCar', 'ret-': 'calculateRetirement', 'loan-': 'calculateLoan', 'sal-': 'calculateSalary', 'tax-': 'calculateTax', 'inf-': 'calculateInflation', 'fire-': 'calculateFIRE', 'pay-': 'calculatePaycheck', 'amort-': 'calculateAmortization', 'roth-': 'calculateRothIRA', 'ss-': 'calculateSocialSecurity', 'student-': 'calculateStudentLoan', 'dp-': 'calculateDownPayment', 'k401-': 'calculate401k', 'inv-': 'calculateInvestment', 'dti-': 'calculateDTI', 'cu-': 'calculateCreditUtil', 'cd-': 'calculateCD', 'apy-': 'calculateAPY', 'auto-': 'calculateAutoLoan', 'afford-': 'calculateAffordability' }; document.querySelectorAll('.tool-card input, .tool-card select').forEach(input => { input.addEventListener('input', debounce(() => { const inputId = input.id || ''; for (const [prefix, funcName] of Object.entries(calculatorMap)) { if (inputId.startsWith(prefix)) { const btn = input.closest('.tool-card').querySelector('.btn'); if (btn && typeof window[funcName] === 'function') { window[funcName](btn); } break; } } }, 500)); }); } // Initialize auto-calculation document.addEventListener('DOMContentLoaded', setupAutoCalculation); // Smooth scroll for anchor links document.querySelectorAll('a[href^="#"]').forEach(anchor => { anchor.addEventListener('click', function (e) { e.preventDefault(); const target = document.querySelector(this.getAttribute('href')); if (target) { target.scrollIntoView({ behavior: 'smooth' }); } }); }); // Email Form Handler - ConvertKit Integration // NOTE: Replace FORM_ID with your actual ConvertKit form ID // Get it from: Kit Dashboard โ†’ Forms โ†’ Select form โ†’ Settings โ†’ Form ID const CONVERTKIT_API_KEY = 'kit_fc61b39b4a6fd5c2857d6f11704ae411'; const CONVERTKIT_FORM_ID = 'YOUR_FORM_ID'; // โ† REPLACE THIS async function handleEmailSubmit(e) { e.preventDefault(); const email = document.getElementById('email-input').value; const btn = document.querySelector('.email-btn'); const originalText = btn.innerHTML; // Show loading state btn.innerHTML = 'Sending...'; btn.disabled = true; try { // ConvertKit API call const response = await fetch(`https://api.convertkit.com/v3/forms/${CONVERTKIT_FORM_ID}/subscribe`, { method: 'POST', headers: { 'Content-Type': 'application/json', }, body: JSON.stringify({ api_key: CONVERTKIT_API_KEY, email: email, }), }); if (response.ok) { btn.innerHTML = 'โœ“ Success! Check your email'; btn.style.background = 'var(--secondary)'; document.getElementById('email-input').value = ''; // Track conversion console.log('Email signup success:', email); // gtag('event', 'signup', { method: 'email_capture' }); } else { throw new Error('Subscription failed'); } } catch (error) { console.error('Email signup error:', error); btn.innerHTML = 'โš  Error - Try again'; btn.style.background = '#ef4444'; } // Reset button after delay setTimeout(() => { btn.innerHTML = originalText; btn.style.background = 'white'; btn.disabled = false; }, 3000); } // Animate elements on scroll const observer = new IntersectionObserver((entries) => { entries.forEach(entry => { if (entry.isIntersecting) { entry.target.classList.add('visible'); } }); }, { threshold: 0.1 }); document.querySelectorAll('.animate-on-scroll').forEach(el => { observer.observe(el); }); // Track affiliate clicks document.querySelectorAll('.recommended-card').forEach(card => { card.addEventListener('click', function () { const affiliate = this.dataset.affiliate; console.log('Affiliate click:', affiliate); // gtag('event', 'affiliate_click', { affiliate_program: affiliate }); // Track to backend fetch('/api/track/affiliate', { method: 'POST', headers: { 'Content-Type': 'application/json' }, body: JSON.stringify({ affiliate, page: window.location.pathname }) }).catch(() => { }); }); }); // ============================================ // ANALYTICS TRACKING (connects to backend) // ============================================ const ANALYTICS_API = window.location.origin + '/api'; // Track page view on load function trackPageView() { fetch(ANALYTICS_API + '/track/pageview', { method: 'POST', headers: { 'Content-Type': 'application/json' }, body: JSON.stringify({ page: window.location.pathname, referrer: document.referrer }) }).catch(() => { }); // Silently fail if backend not running } // Track calculator usage (override existing functions) function trackCalculator(name) { fetch(ANALYTICS_API + '/track/calculator', { method: 'POST', headers: { 'Content-Type': 'application/json' }, body: JSON.stringify({ calculator: name }) }).catch(() => { }); } // Wrap calculator functions to add tracking const originalCalculateCompound = calculateCompound; calculateCompound = function (btn) { trackCalculator('compound-interest'); originalCalculateCompound(btn); }; const originalCalculateBudget = calculateBudget; calculateBudget = function (btn) { trackCalculator('50-30-20-budget'); originalCalculateBudget(btn); }; const originalCalculateDebt = calculateDebt; calculateDebt = function (btn) { trackCalculator('debt-payoff'); originalCalculateDebt(btn); }; const originalCalculateSavings = calculateSavings; calculateSavings = function (btn) { trackCalculator('savings-goal'); originalCalculateSavings(btn); }; const originalCalculateEmergency = calculateEmergency; calculateEmergency = function (btn) { trackCalculator('emergency-fund'); originalCalculateEmergency(btn); }; const originalCalculateNetWorth = calculateNetWorth; calculateNetWorth = function (btn) { trackCalculator('net-worth'); originalCalculateNetWorth(btn); }; const originalCalculateMortgage = calculateMortgage; calculateMortgage = function (btn) { trackCalculator('mortgage'); originalCalculateMortgage(btn); }; const originalCalculateCar = calculateCar; calculateCar = function (btn) { trackCalculator('car-payment'); originalCalculateCar(btn); }; const originalCalculateRetirement = calculateRetirement; calculateRetirement = function (btn) { trackCalculator('retirement'); originalCalculateRetirement(btn); }; const originalCalculateLoan = calculateLoan; calculateLoan = function (btn) { trackCalculator('loan'); originalCalculateLoan(btn); }; const originalCalculateSalary = calculateSalary; calculateSalary = function (btn) { trackCalculator('salary'); originalCalculateSalary(btn); }; const originalCalculateTax = calculateTax; calculateTax = function (btn) { trackCalculator('tax'); originalCalculateTax(btn); }; // Track page view on load trackPageView(); // ============================================ // PRINT / SHARE / COPY FUNCTIONALITY // ============================================ // Add action buttons to all result sections function addResultActionButtons() { document.querySelectorAll('.result').forEach(result => { // Only add if not already added if (!result.querySelector('.result-actions')) { const actionsDiv = document.createElement('div'); actionsDiv.className = 'result-actions'; actionsDiv.innerHTML = ` `; result.appendChild(actionsDiv); } }); } // Copy result to clipboard function copyResult(btn) { const result = btn.closest('.result'); const resultValue = result.querySelector('.result-value')?.textContent || ''; const resultLabel = result.querySelector('.result-label')?.textContent || ''; const toolCard = result.closest('.tool-card'); const toolName = toolCard?.querySelector('.tool-title')?.textContent || 'Calculator'; let text = `${toolName} Result:\n${resultLabel}: ${resultValue}`; // Add breakdown if exists const breakdown = result.querySelectorAll('.result-row'); if (breakdown.length > 0) { text += '\n\nBreakdown:'; breakdown.forEach(row => { const label = row.querySelector('.result-row-label span')?.textContent || ''; const value = row.querySelector('.result-row-value')?.textContent || ''; text += `\nโ€ข ${label}: ${value}`; }); } text += '\n\nโ€” Calculated with SmartMoney Tools (smartmoneytools.com)'; navigator.clipboard.writeText(text).then(() => { btn.classList.add('success'); btn.innerHTML = 'โœ… Copied!'; setTimeout(() => { btn.classList.remove('success'); btn.innerHTML = '๐Ÿ“‹ Copy'; }, 2000); }).catch(() => { alert('Copy failed. Please select and copy manually.'); }); } // Print result function printResult(btn) { const result = btn.closest('.result'); const toolCard = result.closest('.tool-card'); // Clone the tool card for printing const printContent = toolCard.cloneNode(true); printContent.classList.add('print-section'); // Remove action buttons from print printContent.querySelectorAll('.result-actions').forEach(el => el.remove()); // Create print window const printWindow = window.open('', '_blank'); printWindow.document.write(` SmartMoney Tools - Calculator Result ${printContent.outerHTML}

Calculated with SmartMoney Tools โ€” smartmoneytools.com

${new Date().toLocaleDateString()}

`); printWindow.document.close(); printWindow.print(); } // Share result (Web Share API or copy link) function shareResult(btn) { const result = btn.closest('.result'); const resultValue = result.querySelector('.result-value')?.textContent || ''; const toolCard = result.closest('.tool-card'); const toolName = toolCard?.querySelector('.tool-title')?.textContent || 'Calculator'; const shareData = { title: `${toolName} Result - SmartMoney Tools`, text: `I just calculated my ${toolName.toLowerCase()}: ${resultValue}\n\nTry it yourself!`, url: window.location.href }; if (navigator.share) { navigator.share(shareData).catch(() => { // Fallback to copy copyShareLink(btn, shareData); }); } else { copyShareLink(btn, shareData); } } function copyShareLink(btn, data) { const text = `${data.text}\n${data.url}`; navigator.clipboard.writeText(text).then(() => { btn.classList.add('success'); btn.innerHTML = 'โœ… Link Copied!'; setTimeout(() => { btn.classList.remove('success'); btn.innerHTML = '๐Ÿ“ค Share'; }, 2000); }); } // Add buttons after results are shown const originalClassListAdd = Element.prototype.classList.add; document.querySelectorAll('.result').forEach(result => { const observer = new MutationObserver((mutations) => { mutations.forEach((mutation) => { if (mutation.target.classList.contains('show')) { addResultActionButtons(); } }); }); observer.observe(result, { attributes: true, attributeFilter: ['class'] }); }); // Register PWA Service Worker if ('serviceWorker' in navigator) { navigator.serviceWorker.register('/sw.js').catch(() => { // Service worker registration failed (fine for dev) }); } /* Cache bust: Wed Dec 17 05:04:57 PM EST 2025 */