Legg til tre nye kalkulatorer: sparing, bolig og arv
Nye interaktive kalkulatorer som utforsker hvordan tilsynelatende små forskjeller vokser eksponentielt over tid: - sparing: rentes rente med ulik avkastning (månedlig compounding) - bolig: belåningseffekt forsterker egenkapitalgap ~6.7× - arv: arvet formue vokser uavhengig av innsats, gapet lukkes aldri Landingsside oppdatert med nye kort. Dokumentasjon oppdatert. Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>
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13 changed files with 2194 additions and 37 deletions
195
public/arv/app.js
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195
public/arv/app.js
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// Formateringshjelpere — norsk locale
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function fmtKr(n) {
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return Math.round(n).toLocaleString('nb-NO') + '\u202fkr';
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}
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function fmtShort(n) {
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if (n >= 1e6) return (n / 1e6).toFixed(1).replace('.', ',') + '\u202fM';
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if (n >= 1e3) return Math.round(n / 1e3) + '\u202fk';
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return Math.round(n);
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}
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// Fremtidig verdi av annuitet med månedlig compounding
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function futureValue(P, annualRate, years) {
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const n = years * 12;
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if (annualRate === 0) return P * n;
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const r = annualRate / 12;
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return P * (Math.pow(1 + r, n) - 1) / r;
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}
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function getData() {
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const inheritance = +document.getElementById('inheritance').value;
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const P = +document.getElementById('monthly').value;
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const rate = +document.getElementById('rate').value / 100;
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const Y = +document.getElementById('yrs').value;
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const labels = [], wealthA = [], wealthB = [], gaps = [], arvPct = [];
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for (let y = 0; y <= Y; y++) {
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labels.push(y === 0 ? 'I dag' : (y % 5 === 0 || Y <= 10 || y === Y) ? 'År ' + y : '');
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// A = ren annuitet (starter fra null)
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const a = futureValue(P, rate, y);
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// B = arv med rentes rente + samme annuitet
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const arvGrown = inheritance * Math.pow(1 + rate, y);
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const b = arvGrown + futureValue(P, rate, y);
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// Gap = Arv × (1+r)^n — vokser alltid
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const gap = arvGrown;
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wealthA.push(a);
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wealthB.push(b);
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gaps.push(gap);
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// Arvens andel av Bs formue (prosent)
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arvPct.push(b > 0 ? (arvGrown / b) * 100 : 0);
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}
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return { inheritance, P, rate, Y, labels, wealthA, wealthB, gaps, arvPct };
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}
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const GRID_COLOR = 'rgba(0,0,0,0.06)';
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const TICK_COLOR = '#8a857e';
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function baseOpts() {
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return {
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responsive: true, maintainAspectRatio: false,
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plugins: {
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legend: { display: false },
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tooltip: {
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callbacks: { label: c => ' ' + fmtKr(c.parsed.y) },
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backgroundColor: '#1a1714',
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titleColor: '#f5f2eb',
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bodyColor: 'rgba(245,242,235,0.7)',
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padding: 10,
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cornerRadius: 4,
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titleFont: { family: 'DM Sans', size: 12 },
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bodyFont: { family: 'DM Sans', size: 12 }
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}
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},
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scales: {
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x: {
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ticks: { color: TICK_COLOR, font: { size: 11, family: 'DM Sans' }, autoSkip: false, maxRotation: 0 },
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grid: { display: false },
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border: { color: 'rgba(0,0,0,0.1)' }
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},
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y: {
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ticks: { color: TICK_COLOR, font: { size: 11, family: 'DM Sans' }, callback: v => fmtShort(v) },
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grid: { color: GRID_COLOR },
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border: { dash: [3, 3], color: 'transparent' }
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}
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}
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};
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}
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// Tilpasset y-akse for prosentdiagram
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function pctOpts() {
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const opts = baseOpts();
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opts.scales.y.min = 0;
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opts.scales.y.max = 100;
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opts.scales.y.ticks = {
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color: TICK_COLOR,
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font: { size: 11, family: 'DM Sans' },
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callback: v => v + ' %'
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};
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opts.plugins.tooltip.callbacks = {
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label: c => ' ' + c.parsed.y.toFixed(1) + ' %'
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};
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return opts;
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}
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// Diagram 1: Formue over tid
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const chart1 = new Chart(document.getElementById('chart1'), {
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type: 'line',
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data: { labels: [], datasets: [
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{ data: [], borderColor: '#1a4a8a', backgroundColor: 'rgba(26,74,138,0.07)', fill: true, tension: 0.35, pointRadius: 0, borderWidth: 2 },
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{ data: [], borderColor: '#c0392b', backgroundColor: 'rgba(192,57,43,0.07)', fill: true, tension: 0.35, pointRadius: 0, borderWidth: 2 }
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]},
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options: baseOpts()
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});
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// Diagram 2: Absolutt forskjell (gap)
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const chart2 = new Chart(document.getElementById('chart2'), {
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type: 'line',
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data: { labels: [], datasets: [
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{ data: [], borderColor: '#4a3a8a', backgroundColor: 'rgba(74,58,138,0.1)', fill: true, tension: 0.35, pointRadius: 0, borderWidth: 2 }
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]},
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options: baseOpts()
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});
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// Diagram 3: Arvens andel av Bs formue (prosent — tilpasset y-akse)
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const chart3 = new Chart(document.getElementById('chart3'), {
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type: 'line',
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data: { labels: [], datasets: [
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{ data: [], borderColor: '#b5620a', backgroundColor: 'rgba(181,98,10,0.1)', fill: true, tension: 0.35, pointRadius: 0, borderWidth: 2 }
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]},
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options: pctOpts()
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});
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// SIKKERHETSNOTAT: Alle verdier er beregnet fra numeriske slider-verdier.
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// Ingen bruker-tekstinput brukes i DOM-oppdateringer.
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function update() {
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const { inheritance, P, rate, Y, labels, wealthA, wealthB, gaps, arvPct } = getData();
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// Slider-visning
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document.querySelectorAll('.yr-lbl').forEach(el => el.textContent = Y);
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document.getElementById('inheritance-out').textContent = Math.round(inheritance).toLocaleString('nb-NO') + '\u202fkr';
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document.getElementById('monthly-out').textContent = Math.round(P).toLocaleString('nb-NO') + '\u202fkr';
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document.getElementById('rate-out').textContent = (rate * 100).toLocaleString('nb-NO', { minimumFractionDigits: 1 }) + '\u202f%';
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document.getElementById('yrs-out').textContent = Y + '\u202får';
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// Statistikkort
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document.getElementById('st-valA').textContent = fmtKr(wealthA[Y]);
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document.getElementById('st-valB').textContent = fmtKr(wealthB[Y]);
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document.getElementById('st-subB').textContent = 'herav ' + fmtKr(gaps[Y]) + ' fra arv';
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document.getElementById('st-gap').textContent = fmtKr(gaps[Y]);
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const multiplier = (gaps[Y] / inheritance).toFixed(1).replace('.', ',');
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document.getElementById('st-gap-sub').textContent = multiplier + '× opprinnelig arv';
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document.getElementById('st-grown').textContent = fmtKr(gaps[Y]);
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document.getElementById('st-grown-sub').textContent = 'fra ' + fmtKr(inheritance);
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// Banner
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document.getElementById('banner-gap').textContent = fmtKr(gaps[Y]);
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// Innsikt — bruker DOM-metoder for sikkerhet
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const insightEl = document.getElementById('insight');
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insightEl.textContent = '';
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const parts = [
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{ text: 'A sparte like mye som B i ' + Y + ' år. Men arven på ' },
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{ text: fmtKr(inheritance), bold: true },
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{ text: ' har vokst til ' },
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{ text: fmtKr(gaps[Y]), bold: true },
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{ text: ' — og gapet kan aldri lukkes.' }
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];
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parts.forEach(p => {
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if (p.bold) {
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const strong = document.createElement('strong');
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strong.textContent = p.text;
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insightEl.appendChild(strong);
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} else {
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insightEl.appendChild(document.createTextNode(p.text));
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}
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});
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// Diagram 1: Formue
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chart1.data.labels = labels;
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chart1.data.datasets[0].data = wealthA;
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chart1.data.datasets[1].data = wealthB;
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chart1.update('none');
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// Diagram 2: Absolutt gap
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chart2.data.labels = labels;
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chart2.data.datasets[0].data = gaps;
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chart2.update('none');
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// Diagram 3: Arvens prosentandel
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chart3.data.labels = labels;
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chart3.data.datasets[0].data = arvPct;
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chart3.update('none');
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}
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['inheritance', 'monthly', 'rate', 'yrs'].forEach(id =>
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document.getElementById(id).addEventListener('input', update)
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);
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update();
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public/arv/index.html
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public/arv/index.html
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<!DOCTYPE html>
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<html lang="nb">
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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>Arvens forsprang — interaktiv kalkulator</title>
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<link rel="preconnect" href="https://fonts.googleapis.com">
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<link href="https://fonts.googleapis.com/css2?family=Fraunces:ital,opsz,wght@0,9..144,300;0,9..144,600;1,9..144,300&family=DM+Sans:wght@300;400;500&display=swap" rel="stylesheet">
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<link rel="stylesheet" href="style.css">
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<script src="https://cdnjs.cloudflare.com/ajax/libs/Chart.js/4.4.1/chart.umd.js"></script>
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</head>
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<body>
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<header>
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<p class="eyebrow">Lik innsats. Ulikt utgangspunkt.</p>
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<h1>Arvens<br><em>forsprang</em></h1>
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<p class="lead">Person A starter fra null. Person B arver en sum. Begge sparer likt — men gapet lukkes aldri. Se hvordan arv forsterkes over tid.</p>
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<div class="stamp">Ulik startlinje</div>
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</header>
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<div class="small-diff-banner">
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<span class="sd-icon">↗</span>
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<span>En arv på <strong>500 000 kr</strong> vokser til over <strong id="banner-gap">—</strong> på 30 år — uten at B løfter en finger.</span>
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</div>
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<main>
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<div class="controls-card">
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<h2>Sjekk selv</h2>
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<div class="controls-grid">
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<div class="control-group">
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<label>Arvebeløp (B mottar)</label>
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<div class="val-row">
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<input type="range" id="inheritance" min="100000" max="3000000" step="50000" value="500000">
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<span class="val-display" id="inheritance-out">500 000 kr</span>
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</div>
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</div>
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<div class="control-group">
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<label>Månedlig sparing (begge)</label>
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<div class="val-row">
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<input type="range" id="monthly" min="1000" max="20000" step="500" value="3000">
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<span class="val-display" id="monthly-out">3 000 kr</span>
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</div>
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</div>
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<div class="control-group">
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<label>Årlig avkastning (%)</label>
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<div class="val-row">
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<input type="range" id="rate" min="1" max="12" step="0.5" value="7">
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<span class="val-display" id="rate-out">7,0 %</span>
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</div>
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</div>
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<div class="control-group">
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<label>Antall år</label>
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<div class="val-row">
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<input type="range" id="yrs" min="5" max="40" step="1" value="30">
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<span class="val-display" id="yrs-out">30 år</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 class="stat-strip">
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<div class="stat">
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<div class="stat-label">Formue A etter <span class="yr-lbl">30</span> år</div>
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<div class="stat-value" id="st-valA">—</div>
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<div class="stat-sub" id="st-subA">startet fra null</div>
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</div>
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<div class="stat">
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<div class="stat-label">Formue B etter <span class="yr-lbl">30</span> år</div>
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<div class="stat-value" id="st-valB">—</div>
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<div class="stat-sub" id="st-subB">—</div>
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</div>
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<div class="stat stat-diff">
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<div class="stat-label">B har mer (= arv med renter)</div>
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<div class="stat-value" id="st-gap" style="color:var(--accent);">—</div>
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<div class="stat-sub" id="st-gap-sub">—</div>
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</div>
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<div class="stat">
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<div class="stat-label">Arven har vokst til</div>
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<div class="stat-value" id="st-grown" style="color:var(--purple);">—</div>
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<div class="stat-sub" id="st-grown-sub">—</div>
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</div>
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</div>
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<!-- Diagram 1: Formue over tid -->
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<div class="chart-section">
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<div class="chart-header">
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<div>
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<div class="chart-title">Formue over tid</div>
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<div class="chart-desc">A sparer fra null, B starter med arv — begge sparer likt</div>
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</div>
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<div class="legend">
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<span><span class="swatch" style="background:#1a4a8a;"></span>Person A</span>
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<span><span class="swatch" style="background:#c0392b;"></span>Person B</span>
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</div>
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</div>
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<div class="chart-wrap h-240"><canvas id="chart1"></canvas></div>
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</div>
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<!-- Diagram 2: Absolutt forskjell -->
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<div class="chart-section">
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<div class="chart-header">
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<div>
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<div class="chart-title">Absolutt forskjell</div>
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<div class="chart-desc">Gapet = arven med rentes rente — vokser alltid</div>
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</div>
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<div class="legend">
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<span><span class="swatch" style="background:#4a3a8a;"></span>Gap (arv × (1+r)ⁿ)</span>
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</div>
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</div>
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<div class="chart-wrap h-200"><canvas id="chart2"></canvas></div>
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</div>
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<div class="insight" id="insight"></div>
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<!-- Diagram 3: Arvens andel av Bs formue (prosent) -->
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<div class="chart-section">
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<div class="chart-header">
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<div>
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<div class="chart-title">Arvens andel av Bs formue</div>
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<div class="chart-desc">Andelen synker over tid, men det absolutte beløpet vokser alltid</div>
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</div>
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<div class="legend">
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<span><span class="swatch" style="background:#b5620a;"></span>Arv-andel (%)</span>
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</div>
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</div>
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<div class="chart-wrap h-200"><canvas id="chart3"></canvas></div>
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</div>
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<!-- Forklaring -->
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<div class="explainer">
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<h3>Arvet formue vokser av seg selv</h3>
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<p>Når B arver en sum, vokser den med rentes rente — helt uavhengig av innsats. A kan spare like mye, like lenge, med samme avkastning — men vil <strong>aldri</strong> ta igjen forskjellen.</p>
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<div class="formula-box">
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Gap = <span>Arv × (1 + r)ⁿ</span><br>
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Gapet vokser eksponentielt, uavhengig av spareinnsats
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</div>
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<p>Over tid utgjør arven en stadig mindre <em>andel</em> av Bs totale formue — fordi egne sparepenger også vokser. Men det absolutte gapet øker alltid. Lik innsats gir aldri lik formue når startlinjen er ulik.</p>
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</div>
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</main>
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<footer>
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<a href="../">← Alle kalkulatorer</a> · Laget med Chart.js · Tallene er illustrative og ikke finansiell rådgivning · <a href="https://kode.naiv.no/olemd/forskjeller.naiv.no">Kildekode</a>
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</footer>
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<script src="app.js"></script>
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</body>
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</html>
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370
public/arv/style.css
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public/arv/style.css
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*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
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:root {
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--bg: #f5f2eb;
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--bg2: #ede9e0;
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--bg3: #e4dfd3;
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--ink: #1a1714;
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--ink2: #5a5650;
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--ink3: #8a857e;
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--accent: #c0392b;
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--accent2: #2c6e49;
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--blue: #1a4a8a;
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--amber: #b5620a;
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--purple: #4a3a8a;
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--border: rgba(26,23,20,0.12);
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--radius: 4px;
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}
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html { scroll-behavior: smooth; }
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body {
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font-family: 'DM Sans', sans-serif;
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background: var(--bg);
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color: var(--ink);
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font-size: 16px;
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line-height: 1.6;
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min-height: 100vh;
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}
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/* HEADER */
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header {
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background: var(--ink);
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color: var(--bg);
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padding: 3.5rem 2rem 3rem;
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text-align: center;
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position: relative;
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overflow: hidden;
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}
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header::before {
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content: '';
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position: absolute;
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inset: 0;
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background: repeating-linear-gradient(
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-45deg,
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transparent,
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transparent 40px,
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rgba(255,255,255,0.02) 40px,
|
||||
rgba(255,255,255,0.02) 41px
|
||||
);
|
||||
}
|
||||
header .eyebrow {
|
||||
font-size: 11px;
|
||||
letter-spacing: 0.18em;
|
||||
text-transform: uppercase;
|
||||
color: rgba(245,242,235,0.5);
|
||||
margin-bottom: 1rem;
|
||||
font-weight: 400;
|
||||
}
|
||||
header h1 {
|
||||
font-family: 'Fraunces', serif;
|
||||
font-size: clamp(2.2rem, 6vw, 4rem);
|
||||
font-weight: 600;
|
||||
line-height: 1.1;
|
||||
margin-bottom: 1rem;
|
||||
position: relative;
|
||||
}
|
||||
header h1 em {
|
||||
font-style: italic;
|
||||
color: #e8b4a0;
|
||||
}
|
||||
header p.lead {
|
||||
font-size: clamp(0.95rem, 2vw, 1.1rem);
|
||||
color: rgba(245,242,235,0.65);
|
||||
max-width: 560px;
|
||||
margin: 0 auto;
|
||||
font-weight: 300;
|
||||
line-height: 1.7;
|
||||
}
|
||||
|
||||
/* MAIN LAYOUT */
|
||||
main {
|
||||
max-width: 900px;
|
||||
margin: 0 auto;
|
||||
padding: 2.5rem 1.25rem 4rem;
|
||||
}
|
||||
|
||||
/* CONTROLS CARD */
|
||||
.controls-card {
|
||||
background: var(--ink);
|
||||
color: var(--bg);
|
||||
border-radius: 8px;
|
||||
padding: 2rem;
|
||||
margin-bottom: 2.5rem;
|
||||
}
|
||||
.controls-card h2 {
|
||||
font-family: 'Fraunces', serif;
|
||||
font-size: 1rem;
|
||||
font-weight: 300;
|
||||
font-style: italic;
|
||||
color: rgba(245,242,235,0.5);
|
||||
margin-bottom: 1.5rem;
|
||||
letter-spacing: 0.03em;
|
||||
}
|
||||
.controls-grid {
|
||||
display: grid;
|
||||
grid-template-columns: 1fr 1fr;
|
||||
gap: 1.25rem 2rem;
|
||||
}
|
||||
@media (max-width: 560px) {
|
||||
.controls-grid { grid-template-columns: 1fr; gap: 1rem; }
|
||||
}
|
||||
|
||||
.control-group label {
|
||||
display: block;
|
||||
font-size: 12px;
|
||||
letter-spacing: 0.08em;
|
||||
text-transform: uppercase;
|
||||
color: rgba(245,242,235,0.45);
|
||||
margin-bottom: 0.5rem;
|
||||
font-weight: 400;
|
||||
}
|
||||
.control-group .val-row {
|
||||
display: flex;
|
||||
align-items: center;
|
||||
gap: 10px;
|
||||
}
|
||||
.control-group input[type=range] {
|
||||
flex: 1;
|
||||
-webkit-appearance: none;
|
||||
height: 3px;
|
||||
background: rgba(245,242,235,0.15);
|
||||
border-radius: 2px;
|
||||
outline: none;
|
||||
cursor: pointer;
|
||||
}
|
||||
.control-group input[type=range]::-webkit-slider-thumb {
|
||||
-webkit-appearance: none;
|
||||
width: 16px; height: 16px;
|
||||
border-radius: 50%;
|
||||
background: var(--bg);
|
||||
cursor: pointer;
|
||||
transition: transform 0.1s;
|
||||
}
|
||||
.control-group input[type=range]::-webkit-slider-thumb:hover { transform: scale(1.2); }
|
||||
.control-group input[type=range]::-moz-range-thumb {
|
||||
width: 16px; height: 16px;
|
||||
border-radius: 50%;
|
||||
background: var(--bg);
|
||||
cursor: pointer;
|
||||
border: none;
|
||||
}
|
||||
.control-group .val-display {
|
||||
font-size: 1rem;
|
||||
font-weight: 500;
|
||||
color: var(--bg);
|
||||
min-width: 80px;
|
||||
text-align: right;
|
||||
font-variant-numeric: tabular-nums;
|
||||
}
|
||||
|
||||
/* STAT STRIP */
|
||||
.stat-strip {
|
||||
display: grid;
|
||||
grid-template-columns: repeat(4, 1fr);
|
||||
gap: 10px;
|
||||
margin-bottom: 2.5rem;
|
||||
}
|
||||
@media (max-width: 600px) {
|
||||
.stat-strip { grid-template-columns: 1fr 1fr; }
|
||||
}
|
||||
@media (max-width: 360px) {
|
||||
.stat-strip { grid-template-columns: 1fr; }
|
||||
}
|
||||
.stat {
|
||||
background: var(--bg2);
|
||||
border: 1px solid var(--border);
|
||||
border-radius: 6px;
|
||||
padding: 1rem 1.1rem;
|
||||
}
|
||||
.stat-label {
|
||||
font-size: 11px;
|
||||
letter-spacing: 0.07em;
|
||||
text-transform: uppercase;
|
||||
color: var(--ink3);
|
||||
margin-bottom: 0.35rem;
|
||||
}
|
||||
.stat-value {
|
||||
font-size: 1.4rem;
|
||||
font-weight: 500;
|
||||
color: var(--ink);
|
||||
font-variant-numeric: tabular-nums;
|
||||
line-height: 1.2;
|
||||
}
|
||||
.stat-sub {
|
||||
font-size: 12px;
|
||||
color: var(--ink3);
|
||||
margin-top: 0.2rem;
|
||||
}
|
||||
|
||||
/* CHART SECTIONS */
|
||||
.chart-section {
|
||||
background: #fff;
|
||||
border: 1px solid var(--border);
|
||||
border-radius: 8px;
|
||||
padding: 1.5rem;
|
||||
margin-bottom: 1.25rem;
|
||||
}
|
||||
.chart-header {
|
||||
display: flex;
|
||||
align-items: flex-start;
|
||||
justify-content: space-between;
|
||||
margin-bottom: 1rem;
|
||||
gap: 1rem;
|
||||
flex-wrap: wrap;
|
||||
}
|
||||
.chart-title {
|
||||
font-family: 'Fraunces', serif;
|
||||
font-size: 1.1rem;
|
||||
font-weight: 600;
|
||||
color: var(--ink);
|
||||
}
|
||||
.chart-desc {
|
||||
font-size: 13px;
|
||||
color: var(--ink3);
|
||||
margin-top: 2px;
|
||||
}
|
||||
.legend {
|
||||
display: flex;
|
||||
gap: 14px;
|
||||
font-size: 12px;
|
||||
color: var(--ink2);
|
||||
flex-wrap: wrap;
|
||||
align-items: center;
|
||||
}
|
||||
.legend span { display: flex; align-items: center; gap: 5px; }
|
||||
.swatch {
|
||||
width: 10px; height: 10px;
|
||||
border-radius: 2px;
|
||||
flex-shrink: 0;
|
||||
display: inline-block;
|
||||
}
|
||||
.swatch.dashed {
|
||||
background: linear-gradient(90deg, var(--sw-color) 50%, transparent 50%);
|
||||
background-size: 6px 2px;
|
||||
background-repeat: repeat-x;
|
||||
background-position: center;
|
||||
background-color: transparent;
|
||||
height: 2px;
|
||||
width: 18px;
|
||||
border-radius: 0;
|
||||
}
|
||||
.chart-wrap {
|
||||
position: relative;
|
||||
width: 100%;
|
||||
}
|
||||
|
||||
/* INSIGHT BOX */
|
||||
.insight {
|
||||
background: var(--bg2);
|
||||
border-left: 3px solid var(--accent);
|
||||
border-radius: 0 6px 6px 0;
|
||||
padding: 1rem 1.25rem;
|
||||
margin-bottom: 1.25rem;
|
||||
font-size: 0.95rem;
|
||||
color: var(--ink2);
|
||||
line-height: 1.65;
|
||||
}
|
||||
.insight strong { color: var(--ink); font-weight: 500; }
|
||||
|
||||
/* EXPLAINER */
|
||||
.explainer {
|
||||
background: var(--bg3);
|
||||
border: 1px solid var(--border);
|
||||
border-radius: 8px;
|
||||
padding: 1.75rem 2rem;
|
||||
margin-top: 2rem;
|
||||
}
|
||||
.explainer h3 {
|
||||
font-family: 'Fraunces', serif;
|
||||
font-size: 1.2rem;
|
||||
font-weight: 600;
|
||||
margin-bottom: 1rem;
|
||||
}
|
||||
.explainer p {
|
||||
font-size: 0.95rem;
|
||||
color: var(--ink2);
|
||||
margin-bottom: 0.75rem;
|
||||
line-height: 1.7;
|
||||
}
|
||||
.explainer p:last-child { margin-bottom: 0; }
|
||||
.explainer strong { color: var(--ink); font-weight: 500; }
|
||||
|
||||
/* FORMULA */
|
||||
.formula-box {
|
||||
background: var(--ink);
|
||||
color: var(--bg);
|
||||
border-radius: 6px;
|
||||
padding: 1rem 1.25rem;
|
||||
font-family: 'DM Sans', monospace;
|
||||
font-size: 0.9rem;
|
||||
margin: 1rem 0;
|
||||
letter-spacing: 0.02em;
|
||||
line-height: 1.8;
|
||||
}
|
||||
.formula-box span { color: #e8b4a0; }
|
||||
|
||||
/* STAMP */
|
||||
.stamp {
|
||||
display: inline-block;
|
||||
position: relative;
|
||||
margin-top: 2rem;
|
||||
padding: 0.55rem 1.1rem;
|
||||
border: 3px solid #e8b4a0;
|
||||
border-radius: 4px;
|
||||
font-family: 'Fraunces', serif;
|
||||
font-size: clamp(0.75rem, 2.5vw, 0.95rem);
|
||||
font-weight: 600;
|
||||
letter-spacing: 0.12em;
|
||||
text-transform: uppercase;
|
||||
color: #e8b4a0;
|
||||
opacity: 0.72;
|
||||
transform: rotate(-4deg);
|
||||
box-shadow: inset 0 0 0 2px rgba(232,180,160,0.18);
|
||||
user-select: none;
|
||||
}
|
||||
.stamp::before {
|
||||
content: '';
|
||||
position: absolute;
|
||||
inset: 3px;
|
||||
border: 1px solid rgba(232,180,160,0.3);
|
||||
border-radius: 2px;
|
||||
pointer-events: none;
|
||||
}
|
||||
|
||||
/* SMALL DIFF BANNER */
|
||||
.small-diff-banner {
|
||||
background: var(--accent);
|
||||
color: #fff;
|
||||
padding: 1rem 2rem;
|
||||
display: flex;
|
||||
align-items: flex-start;
|
||||
gap: 0.75rem;
|
||||
font-size: clamp(0.88rem, 2vw, 1rem);
|
||||
line-height: 1.6;
|
||||
}
|
||||
.small-diff-banner strong { font-weight: 500; }
|
||||
.sd-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 2px; }
|
||||
|
||||
/* FOOTER */
|
||||
footer {
|
||||
text-align: center;
|
||||
padding: 2rem 1rem;
|
||||
font-size: 12px;
|
||||
color: var(--ink3);
|
||||
border-top: 1px solid var(--border);
|
||||
margin-top: 3rem;
|
||||
}
|
||||
footer a { color: var(--ink3); }
|
||||
|
||||
/* RESPONSIVE CHART HEIGHTS */
|
||||
.h-240 { height: 240px; }
|
||||
.h-200 { height: 200px; }
|
||||
@media (max-width: 480px) {
|
||||
.h-240 { height: 200px; }
|
||||
.h-200 { height: 170px; }
|
||||
.chart-section { padding: 1rem; }
|
||||
main { padding: 1.5rem 1rem 3rem; }
|
||||
.controls-card { padding: 1.25rem; }
|
||||
.explainer { padding: 1.25rem; }
|
||||
}
|
||||
171
public/bolig/app.js
Normal file
171
public/bolig/app.js
Normal file
|
|
@ -0,0 +1,171 @@
|
|||
// Formateringshjelpere — norsk locale
|
||||
function fmtKr(n) {
|
||||
return Math.round(n).toLocaleString('nb-NO') + '\u202fkr';
|
||||
}
|
||||
|
||||
function fmtShort(n) {
|
||||
if (n >= 1e6) return (n / 1e6).toFixed(1).replace('.', ',') + '\u202fM';
|
||||
if (n >= 1e3) return Math.round(n / 1e3) + '\u202fk';
|
||||
return Math.round(n);
|
||||
}
|
||||
|
||||
function getData() {
|
||||
const pA = +document.getElementById('priceA').value;
|
||||
const pB = +document.getElementById('priceB').value;
|
||||
const g = +document.getElementById('growth').value / 100;
|
||||
const Y = +document.getElementById('yrs').value;
|
||||
|
||||
// Lån = 85 % av kjøpspris (forenklet avdragsfritt)
|
||||
const loanA = pA * 0.85;
|
||||
const loanB = pB * 0.85;
|
||||
|
||||
const labels = [], valA = [], valB = [], valGaps = [];
|
||||
const eqA = [], eqB = [], eqGaps = [];
|
||||
|
||||
for (let y = 0; y <= Y; y++) {
|
||||
labels.push(y === 0 ? 'I dag' : (y % 5 === 0 || Y <= 10 || y === Y) ? 'År ' + y : '');
|
||||
const a = pA * Math.pow(1 + g, y);
|
||||
const b = pB * Math.pow(1 + g, y);
|
||||
valA.push(a);
|
||||
valB.push(b);
|
||||
valGaps.push(b - a);
|
||||
eqA.push(a - loanA);
|
||||
eqB.push(b - loanB);
|
||||
eqGaps.push((b - loanB) - (a - loanA));
|
||||
}
|
||||
|
||||
return { pA, pB, g, Y, loanA, loanB, labels, valA, valB, valGaps, eqA, eqB, eqGaps };
|
||||
}
|
||||
|
||||
const GRID_COLOR = 'rgba(0,0,0,0.06)';
|
||||
const TICK_COLOR = '#8a857e';
|
||||
|
||||
function baseOpts() {
|
||||
return {
|
||||
responsive: true, maintainAspectRatio: false,
|
||||
plugins: {
|
||||
legend: { display: false },
|
||||
tooltip: {
|
||||
callbacks: { label: c => ' ' + fmtKr(c.parsed.y) },
|
||||
backgroundColor: '#1a1714',
|
||||
titleColor: '#f5f2eb',
|
||||
bodyColor: 'rgba(245,242,235,0.7)',
|
||||
padding: 10,
|
||||
cornerRadius: 4,
|
||||
titleFont: { family: 'DM Sans', size: 12 },
|
||||
bodyFont: { family: 'DM Sans', size: 12 }
|
||||
}
|
||||
},
|
||||
scales: {
|
||||
x: {
|
||||
ticks: { color: TICK_COLOR, font: { size: 11, family: 'DM Sans' }, autoSkip: false, maxRotation: 0 },
|
||||
grid: { display: false },
|
||||
border: { color: 'rgba(0,0,0,0.1)' }
|
||||
},
|
||||
y: {
|
||||
ticks: { color: TICK_COLOR, font: { size: 11, family: 'DM Sans' }, callback: v => fmtShort(v) },
|
||||
grid: { color: GRID_COLOR },
|
||||
border: { dash: [3, 3], color: 'transparent' }
|
||||
}
|
||||
}
|
||||
};
|
||||
}
|
||||
|
||||
// Diagram 1: Boligverdi over tid
|
||||
const chart1 = new Chart(document.getElementById('chart1'), {
|
||||
type: 'line',
|
||||
data: { labels: [], datasets: [
|
||||
{ data: [], borderColor: '#1a4a8a', backgroundColor: 'rgba(26,74,138,0.07)', fill: true, tension: 0.35, pointRadius: 0, borderWidth: 2 },
|
||||
{ data: [], borderColor: '#c0392b', backgroundColor: 'rgba(192,57,43,0.07)', fill: true, tension: 0.35, pointRadius: 0, borderWidth: 2 }
|
||||
]},
|
||||
options: baseOpts()
|
||||
});
|
||||
|
||||
// Diagram 2: Verdidifferanse
|
||||
const chart2 = new Chart(document.getElementById('chart2'), {
|
||||
type: 'line',
|
||||
data: { labels: [], datasets: [
|
||||
{ data: [], borderColor: '#4a3a8a', backgroundColor: 'rgba(74,58,138,0.1)', fill: true, tension: 0.35, pointRadius: 0, borderWidth: 2 }
|
||||
]},
|
||||
options: baseOpts()
|
||||
});
|
||||
|
||||
// Diagram 3: Egenkapitalvekst (A, B, gap)
|
||||
const chart3 = new Chart(document.getElementById('chart3'), {
|
||||
type: 'line',
|
||||
data: { labels: [], datasets: [
|
||||
{ data: [], borderColor: '#1a4a8a', backgroundColor: 'rgba(26,74,138,0.07)', fill: true, tension: 0.35, pointRadius: 0, borderWidth: 2 },
|
||||
{ data: [], borderColor: '#c0392b', backgroundColor: 'rgba(192,57,43,0.07)', fill: true, tension: 0.35, pointRadius: 0, borderWidth: 2 },
|
||||
{ data: [], borderColor: '#4a3a8a', backgroundColor: 'rgba(74,58,138,0.1)', fill: true, tension: 0.35, pointRadius: 0, borderWidth: 2, borderDash: [6, 4] }
|
||||
]},
|
||||
options: baseOpts()
|
||||
});
|
||||
|
||||
// SIKKERHETSNOTAT: Alle verdier er beregnet fra numeriske slider-verdier.
|
||||
// Ingen bruker-tekstinput brukes i DOM-oppdateringer.
|
||||
function update() {
|
||||
const { pA, pB, g, Y, loanA, loanB, labels, valA, valB, valGaps, eqA, eqB, eqGaps } = getData();
|
||||
|
||||
// Slider-visning
|
||||
document.querySelectorAll('.yr-lbl').forEach(el => el.textContent = Y);
|
||||
document.getElementById('priceA-out').textContent = Math.round(pA).toLocaleString('nb-NO') + '\u202fkr';
|
||||
document.getElementById('priceB-out').textContent = Math.round(pB).toLocaleString('nb-NO') + '\u202fkr';
|
||||
document.getElementById('growth-out').textContent = (g * 100).toLocaleString('nb-NO', { minimumFractionDigits: 1 }) + '\u202f%';
|
||||
document.getElementById('yrs-out').textContent = Y + '\u202får';
|
||||
|
||||
// Statistikkort
|
||||
document.getElementById('st-valA').textContent = fmtKr(valA[Y]);
|
||||
document.getElementById('st-subA').textContent = 'EK: ' + fmtKr(eqA[Y]);
|
||||
document.getElementById('st-valB').textContent = fmtKr(valB[Y]);
|
||||
document.getElementById('st-subB').textContent = 'EK: ' + fmtKr(eqB[Y]);
|
||||
document.getElementById('st-valdiff').textContent = fmtKr(valGaps[Y]);
|
||||
document.getElementById('st-valdiff-sub').textContent = 'var ' + fmtKr(pB - pA) + ' ved start';
|
||||
document.getElementById('st-eqdiff').textContent = fmtKr(eqGaps[Y]);
|
||||
const startEqGap = (pB * 0.15) - (pA * 0.15);
|
||||
document.getElementById('st-eqdiff-sub').textContent = 'var ' + fmtKr(startEqGap) + ' ved start';
|
||||
|
||||
// Banner
|
||||
document.getElementById('banner-gap').textContent = fmtKr(eqGaps[Y]);
|
||||
|
||||
// Innsikt — bruker DOM-metoder for sikkerhet
|
||||
const insightEl = document.getElementById('insight');
|
||||
insightEl.textContent = '';
|
||||
const growthPct = (g * 100).toLocaleString('nb-NO', { minimumFractionDigits: 1 });
|
||||
const parts = [
|
||||
{ text: 'Begge boligene steg ' + growthPct + ' % i året. Men B-eieren har ' },
|
||||
{ text: fmtKr(eqGaps[Y]), bold: true },
|
||||
{ text: ' mer i egenkapital — fordi gjeldsgraden forsterker forskjellen.' }
|
||||
];
|
||||
parts.forEach(p => {
|
||||
if (p.bold) {
|
||||
const strong = document.createElement('strong');
|
||||
strong.textContent = p.text;
|
||||
insightEl.appendChild(strong);
|
||||
} else {
|
||||
insightEl.appendChild(document.createTextNode(p.text));
|
||||
}
|
||||
});
|
||||
|
||||
// Diagram 1: Boligverdi
|
||||
chart1.data.labels = labels;
|
||||
chart1.data.datasets[0].data = valA;
|
||||
chart1.data.datasets[1].data = valB;
|
||||
chart1.update('none');
|
||||
|
||||
// Diagram 2: Verdidifferanse
|
||||
chart2.data.labels = labels;
|
||||
chart2.data.datasets[0].data = valGaps;
|
||||
chart2.update('none');
|
||||
|
||||
// Diagram 3: Egenkapital
|
||||
chart3.data.labels = labels;
|
||||
chart3.data.datasets[0].data = eqA;
|
||||
chart3.data.datasets[1].data = eqB;
|
||||
chart3.data.datasets[2].data = eqGaps;
|
||||
chart3.update('none');
|
||||
}
|
||||
|
||||
['priceA', 'priceB', 'growth', 'yrs'].forEach(id =>
|
||||
document.getElementById(id).addEventListener('input', update)
|
||||
);
|
||||
update();
|
||||
151
public/bolig/index.html
Normal file
151
public/bolig/index.html
Normal file
|
|
@ -0,0 +1,151 @@
|
|||
<!DOCTYPE html>
|
||||
<html lang="nb">
|
||||
<head>
|
||||
<meta charset="UTF-8">
|
||||
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
||||
<title>Boligforskjellen vokser — interaktiv kalkulator</title>
|
||||
<link rel="preconnect" href="https://fonts.googleapis.com">
|
||||
<link href="https://fonts.googleapis.com/css2?family=Fraunces:ital,opsz,wght@0,9..144,300;0,9..144,600;1,9..144,300&family=DM+Sans:wght@300;400;500&display=swap" rel="stylesheet">
|
||||
<link rel="stylesheet" href="style.css">
|
||||
<script src="https://cdnjs.cloudflare.com/ajax/libs/Chart.js/4.4.1/chart.umd.js"></script>
|
||||
</head>
|
||||
<body>
|
||||
|
||||
<header>
|
||||
<p class="eyebrow">Samme prisvekst. Ikke det samme resultatet.</p>
|
||||
<h1>Boligforskjellen<br><em>forsterkes</em></h1>
|
||||
<p class="lead">To boliger med ulik pris stiger like mye i prosent — men belåningen forsterker gapet i egenkapital dramatisk.</p>
|
||||
<div class="stamp">Belåningseffekten</div>
|
||||
</header>
|
||||
|
||||
<div class="small-diff-banner">
|
||||
<span class="sd-icon">↗</span>
|
||||
<span>Med <strong>1 million</strong> i prisforskjell og 4 % årlig vekst: egenkapitalgapet vokser til over <strong id="banner-gap">—</strong> på 15 år.</span>
|
||||
</div>
|
||||
|
||||
<main>
|
||||
|
||||
<div class="controls-card">
|
||||
<h2>Sjekk selv</h2>
|
||||
<div class="controls-grid">
|
||||
<div class="control-group">
|
||||
<label>Boligpris A</label>
|
||||
<div class="val-row">
|
||||
<input type="range" id="priceA" min="2000000" max="8000000" step="100000" value="3000000">
|
||||
<span class="val-display" id="priceA-out">3 000 000 kr</span>
|
||||
</div>
|
||||
</div>
|
||||
<div class="control-group">
|
||||
<label>Boligpris B</label>
|
||||
<div class="val-row">
|
||||
<input type="range" id="priceB" min="2000000" max="8000000" step="100000" value="4000000">
|
||||
<span class="val-display" id="priceB-out">4 000 000 kr</span>
|
||||
</div>
|
||||
</div>
|
||||
<div class="control-group">
|
||||
<label>Årlig prisvekst (% — lik for begge)</label>
|
||||
<div class="val-row">
|
||||
<input type="range" id="growth" min="1" max="10" step="0.5" value="4">
|
||||
<span class="val-display" id="growth-out">4,0 %</span>
|
||||
</div>
|
||||
</div>
|
||||
<div class="control-group">
|
||||
<label>Antall år</label>
|
||||
<div class="val-row">
|
||||
<input type="range" id="yrs" min="5" max="30" step="1" value="15">
|
||||
<span class="val-display" id="yrs-out">15 år</span>
|
||||
</div>
|
||||
</div>
|
||||
</div>
|
||||
</div>
|
||||
|
||||
<div class="stat-strip">
|
||||
<div class="stat">
|
||||
<div class="stat-label">Bolig A verdi etter <span class="yr-lbl">15</span> år</div>
|
||||
<div class="stat-value" id="st-valA">—</div>
|
||||
<div class="stat-sub" id="st-subA">—</div>
|
||||
</div>
|
||||
<div class="stat">
|
||||
<div class="stat-label">Bolig B verdi etter <span class="yr-lbl">15</span> år</div>
|
||||
<div class="stat-value" id="st-valB">—</div>
|
||||
<div class="stat-sub" id="st-subB">—</div>
|
||||
</div>
|
||||
<div class="stat stat-diff">
|
||||
<div class="stat-label">Verdidifferanse</div>
|
||||
<div class="stat-value" id="st-valdiff" style="color:var(--accent);">—</div>
|
||||
<div class="stat-sub" id="st-valdiff-sub">—</div>
|
||||
</div>
|
||||
<div class="stat">
|
||||
<div class="stat-label">Egenkapital-differanse</div>
|
||||
<div class="stat-value" id="st-eqdiff" style="color:var(--purple);">—</div>
|
||||
<div class="stat-sub" id="st-eqdiff-sub">—</div>
|
||||
</div>
|
||||
</div>
|
||||
|
||||
<!-- Diagram 1: Boligverdi over tid -->
|
||||
<div class="chart-section">
|
||||
<div class="chart-header">
|
||||
<div>
|
||||
<div class="chart-title">Boligverdi over tid</div>
|
||||
<div class="chart-desc">Begge boliger stiger med samme prosentsats</div>
|
||||
</div>
|
||||
<div class="legend">
|
||||
<span><span class="swatch" style="background:#1a4a8a;"></span>Bolig A</span>
|
||||
<span><span class="swatch" style="background:#c0392b;"></span>Bolig B</span>
|
||||
</div>
|
||||
</div>
|
||||
<div class="chart-wrap h-240"><canvas id="chart1"></canvas></div>
|
||||
</div>
|
||||
|
||||
<!-- Diagram 2: Absolutt verdidifferanse -->
|
||||
<div class="chart-section">
|
||||
<div class="chart-header">
|
||||
<div>
|
||||
<div class="chart-title">Absolutt verdidifferanse</div>
|
||||
<div class="chart-desc">Kronedifferansen mellom boligene — vokser hvert år</div>
|
||||
</div>
|
||||
<div class="legend">
|
||||
<span><span class="swatch" style="background:#4a3a8a;"></span>Verdidifferanse</span>
|
||||
</div>
|
||||
</div>
|
||||
<div class="chart-wrap h-200"><canvas id="chart2"></canvas></div>
|
||||
</div>
|
||||
|
||||
<div class="insight" id="insight"></div>
|
||||
|
||||
<!-- Diagram 3: Egenkapitalvekst -->
|
||||
<div class="chart-section">
|
||||
<div class="chart-header">
|
||||
<div>
|
||||
<div class="chart-title">Egenkapitalvekst</div>
|
||||
<div class="chart-desc">Belåningen forsterker forskjellen — egenkapitalgapet vokser raskere enn verdigapet</div>
|
||||
</div>
|
||||
<div class="legend">
|
||||
<span><span class="swatch" style="background:#1a4a8a;"></span>EK Bolig A</span>
|
||||
<span><span class="swatch" style="background:#c0392b;"></span>EK Bolig B</span>
|
||||
<span><span class="swatch" style="background:#4a3a8a;"></span>EK-gap</span>
|
||||
</div>
|
||||
</div>
|
||||
<div class="chart-wrap h-240"><canvas id="chart3"></canvas></div>
|
||||
</div>
|
||||
|
||||
<!-- Forklaring -->
|
||||
<div class="explainer">
|
||||
<h3>Belåningseffekten</h3>
|
||||
<p>Med 15 % egenkapital finansierer du boligen med 85 % gjeld. Det betyr at hele prisveksten tilfaller bare 15 % av kapitalen — en forsterkning på omtrent <strong>6,7 ganger</strong>.</p>
|
||||
<div class="formula-box">
|
||||
Egenkapital = <span>Pris × (1 + vekst)ⁿ − Lån</span><br>
|
||||
Lån = <span>85 % av kjøpspris</span> (forenklet avdragsfritt)
|
||||
</div>
|
||||
<p>Verdidifferansen mellom boligene vokser eksponentielt — men egenkapitaldifferansen vokser <strong>enda raskere</strong> fordi begge eierne har like stor gjeldsandel. Jo dyrere bolig, desto mer egenkapital skapes av samme prosentvise prisvekst.</p>
|
||||
</div>
|
||||
|
||||
</main>
|
||||
|
||||
<footer>
|
||||
<a href="../">← Alle kalkulatorer</a> · Laget med Chart.js · Tallene er illustrative og ikke finansiell rådgivning · <a href="https://kode.naiv.no/olemd/forskjeller.naiv.no">Kildekode</a>
|
||||
</footer>
|
||||
|
||||
<script src="app.js"></script>
|
||||
</body>
|
||||
</html>
|
||||
370
public/bolig/style.css
Normal file
370
public/bolig/style.css
Normal file
|
|
@ -0,0 +1,370 @@
|
|||
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
|
||||
|
||||
:root {
|
||||
--bg: #f5f2eb;
|
||||
--bg2: #ede9e0;
|
||||
--bg3: #e4dfd3;
|
||||
--ink: #1a1714;
|
||||
--ink2: #5a5650;
|
||||
--ink3: #8a857e;
|
||||
--accent: #c0392b;
|
||||
--accent2: #2c6e49;
|
||||
--blue: #1a4a8a;
|
||||
--amber: #b5620a;
|
||||
--purple: #4a3a8a;
|
||||
--border: rgba(26,23,20,0.12);
|
||||
--radius: 4px;
|
||||
}
|
||||
|
||||
html { scroll-behavior: smooth; }
|
||||
|
||||
body {
|
||||
font-family: 'DM Sans', sans-serif;
|
||||
background: var(--bg);
|
||||
color: var(--ink);
|
||||
font-size: 16px;
|
||||
line-height: 1.6;
|
||||
min-height: 100vh;
|
||||
}
|
||||
|
||||
/* HEADER */
|
||||
header {
|
||||
background: var(--ink);
|
||||
color: var(--bg);
|
||||
padding: 3.5rem 2rem 3rem;
|
||||
text-align: center;
|
||||
position: relative;
|
||||
overflow: hidden;
|
||||
}
|
||||
header::before {
|
||||
content: '';
|
||||
position: absolute;
|
||||
inset: 0;
|
||||
background: repeating-linear-gradient(
|
||||
-45deg,
|
||||
transparent,
|
||||
transparent 40px,
|
||||
rgba(255,255,255,0.02) 40px,
|
||||
rgba(255,255,255,0.02) 41px
|
||||
);
|
||||
}
|
||||
header .eyebrow {
|
||||
font-size: 11px;
|
||||
letter-spacing: 0.18em;
|
||||
text-transform: uppercase;
|
||||
color: rgba(245,242,235,0.5);
|
||||
margin-bottom: 1rem;
|
||||
font-weight: 400;
|
||||
}
|
||||
header h1 {
|
||||
font-family: 'Fraunces', serif;
|
||||
font-size: clamp(2.2rem, 6vw, 4rem);
|
||||
font-weight: 600;
|
||||
line-height: 1.1;
|
||||
margin-bottom: 1rem;
|
||||
position: relative;
|
||||
}
|
||||
header h1 em {
|
||||
font-style: italic;
|
||||
color: #e8b4a0;
|
||||
}
|
||||
header p.lead {
|
||||
font-size: clamp(0.95rem, 2vw, 1.1rem);
|
||||
color: rgba(245,242,235,0.65);
|
||||
max-width: 560px;
|
||||
margin: 0 auto;
|
||||
font-weight: 300;
|
||||
line-height: 1.7;
|
||||
}
|
||||
|
||||
/* MAIN LAYOUT */
|
||||
main {
|
||||
max-width: 900px;
|
||||
margin: 0 auto;
|
||||
padding: 2.5rem 1.25rem 4rem;
|
||||
}
|
||||
|
||||
/* CONTROLS CARD */
|
||||
.controls-card {
|
||||
background: var(--ink);
|
||||
color: var(--bg);
|
||||
border-radius: 8px;
|
||||
padding: 2rem;
|
||||
margin-bottom: 2.5rem;
|
||||
}
|
||||
.controls-card h2 {
|
||||
font-family: 'Fraunces', serif;
|
||||
font-size: 1rem;
|
||||
font-weight: 300;
|
||||
font-style: italic;
|
||||
color: rgba(245,242,235,0.5);
|
||||
margin-bottom: 1.5rem;
|
||||
letter-spacing: 0.03em;
|
||||
}
|
||||
.controls-grid {
|
||||
display: grid;
|
||||
grid-template-columns: 1fr 1fr;
|
||||
gap: 1.25rem 2rem;
|
||||
}
|
||||
@media (max-width: 560px) {
|
||||
.controls-grid { grid-template-columns: 1fr; gap: 1rem; }
|
||||
}
|
||||
|
||||
.control-group label {
|
||||
display: block;
|
||||
font-size: 12px;
|
||||
letter-spacing: 0.08em;
|
||||
text-transform: uppercase;
|
||||
color: rgba(245,242,235,0.45);
|
||||
margin-bottom: 0.5rem;
|
||||
font-weight: 400;
|
||||
}
|
||||
.control-group .val-row {
|
||||
display: flex;
|
||||
align-items: center;
|
||||
gap: 10px;
|
||||
}
|
||||
.control-group input[type=range] {
|
||||
flex: 1;
|
||||
-webkit-appearance: none;
|
||||
height: 3px;
|
||||
background: rgba(245,242,235,0.15);
|
||||
border-radius: 2px;
|
||||
outline: none;
|
||||
cursor: pointer;
|
||||
}
|
||||
.control-group input[type=range]::-webkit-slider-thumb {
|
||||
-webkit-appearance: none;
|
||||
width: 16px; height: 16px;
|
||||
border-radius: 50%;
|
||||
background: var(--bg);
|
||||
cursor: pointer;
|
||||
transition: transform 0.1s;
|
||||
}
|
||||
.control-group input[type=range]::-webkit-slider-thumb:hover { transform: scale(1.2); }
|
||||
.control-group input[type=range]::-moz-range-thumb {
|
||||
width: 16px; height: 16px;
|
||||
border-radius: 50%;
|
||||
background: var(--bg);
|
||||
cursor: pointer;
|
||||
border: none;
|
||||
}
|
||||
.control-group .val-display {
|
||||
font-size: 1rem;
|
||||
font-weight: 500;
|
||||
color: var(--bg);
|
||||
min-width: 80px;
|
||||
text-align: right;
|
||||
font-variant-numeric: tabular-nums;
|
||||
}
|
||||
|
||||
/* STAT STRIP */
|
||||
.stat-strip {
|
||||
display: grid;
|
||||
grid-template-columns: repeat(4, 1fr);
|
||||
gap: 10px;
|
||||
margin-bottom: 2.5rem;
|
||||
}
|
||||
@media (max-width: 600px) {
|
||||
.stat-strip { grid-template-columns: 1fr 1fr; }
|
||||
}
|
||||
@media (max-width: 360px) {
|
||||
.stat-strip { grid-template-columns: 1fr; }
|
||||
}
|
||||
.stat {
|
||||
background: var(--bg2);
|
||||
border: 1px solid var(--border);
|
||||
border-radius: 6px;
|
||||
padding: 1rem 1.1rem;
|
||||
}
|
||||
.stat-label {
|
||||
font-size: 11px;
|
||||
letter-spacing: 0.07em;
|
||||
text-transform: uppercase;
|
||||
color: var(--ink3);
|
||||
margin-bottom: 0.35rem;
|
||||
}
|
||||
.stat-value {
|
||||
font-size: 1.4rem;
|
||||
font-weight: 500;
|
||||
color: var(--ink);
|
||||
font-variant-numeric: tabular-nums;
|
||||
line-height: 1.2;
|
||||
}
|
||||
.stat-sub {
|
||||
font-size: 12px;
|
||||
color: var(--ink3);
|
||||
margin-top: 0.2rem;
|
||||
}
|
||||
|
||||
/* CHART SECTIONS */
|
||||
.chart-section {
|
||||
background: #fff;
|
||||
border: 1px solid var(--border);
|
||||
border-radius: 8px;
|
||||
padding: 1.5rem;
|
||||
margin-bottom: 1.25rem;
|
||||
}
|
||||
.chart-header {
|
||||
display: flex;
|
||||
align-items: flex-start;
|
||||
justify-content: space-between;
|
||||
margin-bottom: 1rem;
|
||||
gap: 1rem;
|
||||
flex-wrap: wrap;
|
||||
}
|
||||
.chart-title {
|
||||
font-family: 'Fraunces', serif;
|
||||
font-size: 1.1rem;
|
||||
font-weight: 600;
|
||||
color: var(--ink);
|
||||
}
|
||||
.chart-desc {
|
||||
font-size: 13px;
|
||||
color: var(--ink3);
|
||||
margin-top: 2px;
|
||||
}
|
||||
.legend {
|
||||
display: flex;
|
||||
gap: 14px;
|
||||
font-size: 12px;
|
||||
color: var(--ink2);
|
||||
flex-wrap: wrap;
|
||||
align-items: center;
|
||||
}
|
||||
.legend span { display: flex; align-items: center; gap: 5px; }
|
||||
.swatch {
|
||||
width: 10px; height: 10px;
|
||||
border-radius: 2px;
|
||||
flex-shrink: 0;
|
||||
display: inline-block;
|
||||
}
|
||||
.swatch.dashed {
|
||||
background: linear-gradient(90deg, var(--sw-color) 50%, transparent 50%);
|
||||
background-size: 6px 2px;
|
||||
background-repeat: repeat-x;
|
||||
background-position: center;
|
||||
background-color: transparent;
|
||||
height: 2px;
|
||||
width: 18px;
|
||||
border-radius: 0;
|
||||
}
|
||||
.chart-wrap {
|
||||
position: relative;
|
||||
width: 100%;
|
||||
}
|
||||
|
||||
/* INSIGHT BOX */
|
||||
.insight {
|
||||
background: var(--bg2);
|
||||
border-left: 3px solid var(--accent);
|
||||
border-radius: 0 6px 6px 0;
|
||||
padding: 1rem 1.25rem;
|
||||
margin-bottom: 1.25rem;
|
||||
font-size: 0.95rem;
|
||||
color: var(--ink2);
|
||||
line-height: 1.65;
|
||||
}
|
||||
.insight strong { color: var(--ink); font-weight: 500; }
|
||||
|
||||
/* EXPLAINER */
|
||||
.explainer {
|
||||
background: var(--bg3);
|
||||
border: 1px solid var(--border);
|
||||
border-radius: 8px;
|
||||
padding: 1.75rem 2rem;
|
||||
margin-top: 2rem;
|
||||
}
|
||||
.explainer h3 {
|
||||
font-family: 'Fraunces', serif;
|
||||
font-size: 1.2rem;
|
||||
font-weight: 600;
|
||||
margin-bottom: 1rem;
|
||||
}
|
||||
.explainer p {
|
||||
font-size: 0.95rem;
|
||||
color: var(--ink2);
|
||||
margin-bottom: 0.75rem;
|
||||
line-height: 1.7;
|
||||
}
|
||||
.explainer p:last-child { margin-bottom: 0; }
|
||||
.explainer strong { color: var(--ink); font-weight: 500; }
|
||||
|
||||
/* FORMULA */
|
||||
.formula-box {
|
||||
background: var(--ink);
|
||||
color: var(--bg);
|
||||
border-radius: 6px;
|
||||
padding: 1rem 1.25rem;
|
||||
font-family: 'DM Sans', monospace;
|
||||
font-size: 0.9rem;
|
||||
margin: 1rem 0;
|
||||
letter-spacing: 0.02em;
|
||||
line-height: 1.8;
|
||||
}
|
||||
.formula-box span { color: #e8b4a0; }
|
||||
|
||||
/* STAMP */
|
||||
.stamp {
|
||||
display: inline-block;
|
||||
position: relative;
|
||||
margin-top: 2rem;
|
||||
padding: 0.55rem 1.1rem;
|
||||
border: 3px solid #e8b4a0;
|
||||
border-radius: 4px;
|
||||
font-family: 'Fraunces', serif;
|
||||
font-size: clamp(0.75rem, 2.5vw, 0.95rem);
|
||||
font-weight: 600;
|
||||
letter-spacing: 0.12em;
|
||||
text-transform: uppercase;
|
||||
color: #e8b4a0;
|
||||
opacity: 0.72;
|
||||
transform: rotate(-4deg);
|
||||
box-shadow: inset 0 0 0 2px rgba(232,180,160,0.18);
|
||||
user-select: none;
|
||||
}
|
||||
.stamp::before {
|
||||
content: '';
|
||||
position: absolute;
|
||||
inset: 3px;
|
||||
border: 1px solid rgba(232,180,160,0.3);
|
||||
border-radius: 2px;
|
||||
pointer-events: none;
|
||||
}
|
||||
|
||||
/* SMALL DIFF BANNER */
|
||||
.small-diff-banner {
|
||||
background: var(--accent);
|
||||
color: #fff;
|
||||
padding: 1rem 2rem;
|
||||
display: flex;
|
||||
align-items: flex-start;
|
||||
gap: 0.75rem;
|
||||
font-size: clamp(0.88rem, 2vw, 1rem);
|
||||
line-height: 1.6;
|
||||
}
|
||||
.small-diff-banner strong { font-weight: 500; }
|
||||
.sd-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 2px; }
|
||||
|
||||
/* FOOTER */
|
||||
footer {
|
||||
text-align: center;
|
||||
padding: 2rem 1rem;
|
||||
font-size: 12px;
|
||||
color: var(--ink3);
|
||||
border-top: 1px solid var(--border);
|
||||
margin-top: 3rem;
|
||||
}
|
||||
footer a { color: var(--ink3); }
|
||||
|
||||
/* RESPONSIVE CHART HEIGHTS */
|
||||
.h-240 { height: 240px; }
|
||||
.h-200 { height: 200px; }
|
||||
@media (max-width: 480px) {
|
||||
.h-240 { height: 200px; }
|
||||
.h-200 { height: 170px; }
|
||||
.chart-section { padding: 1rem; }
|
||||
main { padding: 1.5rem 1rem 3rem; }
|
||||
.controls-card { padding: 1.25rem; }
|
||||
.explainer { padding: 1.25rem; }
|
||||
}
|
||||
|
|
@ -145,6 +145,24 @@
|
|||
<span class="arrow">Se kalkulatoren →</span>
|
||||
</a>
|
||||
|
||||
<a href="sparing/" class="topic-card">
|
||||
<h2>Rentes rente forsterker</h2>
|
||||
<p>Likt sparebeløp, ulik avkastning. Noen få prosentpoeng i forskjell skaper enorme gap over tid — takket være rentes rente-effekten.</p>
|
||||
<span class="arrow">Se kalkulatoren →</span>
|
||||
</a>
|
||||
|
||||
<a href="bolig/" class="topic-card">
|
||||
<h2>Boligforskjellen forsterkes</h2>
|
||||
<p>To boliger med ulik pris stiger like mye i prosent — men belåningen forsterker gapet i egenkapital dramatisk.</p>
|
||||
<span class="arrow">Se kalkulatoren →</span>
|
||||
</a>
|
||||
|
||||
<a href="arv/" class="topic-card">
|
||||
<h2>Arvens forsprang</h2>
|
||||
<p>Person A starter fra null, person B arver en sum. Begge sparer likt — men gapet lukkes aldri. Arvet formue vokser eksponentielt uavhengig av innsats.</p>
|
||||
<span class="arrow">Se kalkulatoren →</span>
|
||||
</a>
|
||||
|
||||
</div>
|
||||
</main>
|
||||
|
||||
|
|
|
|||
|
|
@ -161,7 +161,7 @@
|
|||
</main>
|
||||
|
||||
<footer>
|
||||
Laget med Chart.js · Tallene er illustrative og ikke finansiell rådgivning · <a href="https://kode.naiv.no/olemd/forskjeller.naiv.no">Kildekode</a>
|
||||
<a href="../">← Alle kalkulatorer</a> · Laget med Chart.js · Tallene er illustrative og ikke finansiell rådgivning · <a href="https://kode.naiv.no/olemd/forskjeller.naiv.no">Kildekode</a>
|
||||
</footer>
|
||||
|
||||
<script src="app.js"></script>
|
||||
|
|
|
|||
195
public/sparing/app.js
Normal file
195
public/sparing/app.js
Normal file
|
|
@ -0,0 +1,195 @@
|
|||
// Formateringshjelpere — norsk locale
|
||||
function fmtKr(n) {
|
||||
return Math.round(n).toLocaleString('nb-NO') + '\u202fkr';
|
||||
}
|
||||
|
||||
function fmtShort(n) {
|
||||
if (n >= 1e6) return (n / 1e6).toFixed(1).replace('.', ',') + '\u202fM';
|
||||
if (n >= 1e3) return Math.round(n / 1e3) + '\u202fk';
|
||||
return Math.round(n);
|
||||
}
|
||||
|
||||
// Fremtidig verdi av annuitet med månedlig compounding
|
||||
// FV = P × ((1+r)^n - 1) / r der r = årsrate/12, n = år×12
|
||||
// Spesialtilfelle: r=0 → FV = P × n
|
||||
function futureValue(P, annualRate, years) {
|
||||
const n = years * 12;
|
||||
if (annualRate === 0) return P * n;
|
||||
const r = annualRate / 12;
|
||||
return P * (Math.pow(1 + r, n) - 1) / r;
|
||||
}
|
||||
|
||||
function getData() {
|
||||
const P = +document.getElementById('monthly').value;
|
||||
const rA = +document.getElementById('rateA').value / 100;
|
||||
const rB = +document.getElementById('rateB').value / 100;
|
||||
const Y = +document.getElementById('yrs').value;
|
||||
|
||||
const labels = [], valA = [], valB = [], gaps = [];
|
||||
const deposits = [], interestA = [], interestB = [];
|
||||
|
||||
for (let y = 0; y <= Y; y++) {
|
||||
labels.push(y === 0 ? 'I dag' : (y % 5 === 0 || Y <= 10 || y === Y) ? 'År ' + y : '');
|
||||
const a = futureValue(P, rA, y);
|
||||
const b = futureValue(P, rB, y);
|
||||
const dep = P * 12 * y;
|
||||
valA.push(a);
|
||||
valB.push(b);
|
||||
gaps.push(b - a);
|
||||
deposits.push(dep);
|
||||
interestA.push(a - dep);
|
||||
interestB.push(b - dep);
|
||||
}
|
||||
|
||||
return { P, rA, rB, Y, labels, valA, valB, gaps, deposits, interestA, interestB };
|
||||
}
|
||||
|
||||
const GRID_COLOR = 'rgba(0,0,0,0.06)';
|
||||
const TICK_COLOR = '#8a857e';
|
||||
|
||||
function baseOpts() {
|
||||
return {
|
||||
responsive: true, maintainAspectRatio: false,
|
||||
plugins: {
|
||||
legend: { display: false },
|
||||
tooltip: {
|
||||
callbacks: { label: c => ' ' + fmtKr(c.parsed.y) },
|
||||
backgroundColor: '#1a1714',
|
||||
titleColor: '#f5f2eb',
|
||||
bodyColor: 'rgba(245,242,235,0.7)',
|
||||
padding: 10,
|
||||
cornerRadius: 4,
|
||||
titleFont: { family: 'DM Sans', size: 12 },
|
||||
bodyFont: { family: 'DM Sans', size: 12 }
|
||||
}
|
||||
},
|
||||
scales: {
|
||||
x: {
|
||||
ticks: { color: TICK_COLOR, font: { size: 11, family: 'DM Sans' }, autoSkip: false, maxRotation: 0 },
|
||||
grid: { display: false },
|
||||
border: { color: 'rgba(0,0,0,0.1)' }
|
||||
},
|
||||
y: {
|
||||
ticks: { color: TICK_COLOR, font: { size: 11, family: 'DM Sans' }, callback: v => fmtShort(v) },
|
||||
grid: { color: GRID_COLOR },
|
||||
border: { dash: [3, 3], color: 'transparent' }
|
||||
}
|
||||
}
|
||||
};
|
||||
}
|
||||
|
||||
// Diagram 1: Formue over tid (to linjer)
|
||||
const chart1 = new Chart(document.getElementById('chart1'), {
|
||||
type: 'line',
|
||||
data: { labels: [], datasets: [
|
||||
{ data: [], borderColor: '#1a4a8a', backgroundColor: 'rgba(26,74,138,0.07)', fill: true, tension: 0.35, pointRadius: 0, borderWidth: 2 },
|
||||
{ data: [], borderColor: '#c0392b', backgroundColor: 'rgba(192,57,43,0.07)', fill: true, tension: 0.35, pointRadius: 0, borderWidth: 2 }
|
||||
]},
|
||||
options: baseOpts()
|
||||
});
|
||||
|
||||
// Diagram 2: Forskjell i formue (gap)
|
||||
const chart2 = new Chart(document.getElementById('chart2'), {
|
||||
type: 'line',
|
||||
data: { labels: [], datasets: [
|
||||
{ data: [], borderColor: '#4a3a8a', backgroundColor: 'rgba(74,58,138,0.1)', fill: true, tension: 0.35, pointRadius: 0, borderWidth: 2 }
|
||||
]},
|
||||
options: baseOpts()
|
||||
});
|
||||
|
||||
// Diagram 3: Stacked bar — innskudd + renter for A og B
|
||||
const chart3Opts = baseOpts();
|
||||
chart3Opts.scales.x.stacked = true;
|
||||
chart3Opts.scales.y.stacked = true;
|
||||
const chart3 = new Chart(document.getElementById('chart3'), {
|
||||
type: 'bar',
|
||||
data: { labels: [], datasets: [
|
||||
{ label: 'Innskudd', data: [], backgroundColor: '#1a4a8a', stack: 'A' },
|
||||
{ label: 'Renter A', data: [], backgroundColor: 'rgba(26,74,138,0.35)', stack: 'A' },
|
||||
{ label: 'Innskudd', data: [], backgroundColor: '#c0392b', stack: 'B' },
|
||||
{ label: 'Renter B', data: [], backgroundColor: 'rgba(192,57,43,0.35)', stack: 'B' }
|
||||
]},
|
||||
options: chart3Opts
|
||||
});
|
||||
|
||||
// SIKKERHETSNOTAT: Alle verdier i innerHTML-kall er utelukkende beregnet fra
|
||||
// numeriske slider-verdier (range inputs). Ingen bruker-tekstinput brukes.
|
||||
function update() {
|
||||
const { P, rA, rB, Y, labels, valA, valB, gaps, deposits, interestA, interestB } = getData();
|
||||
|
||||
// Oppdater slider-visning
|
||||
document.querySelectorAll('.yr-lbl').forEach(el => el.textContent = Y);
|
||||
document.getElementById('monthly-out').textContent = Math.round(P).toLocaleString('nb-NO') + '\u202fkr';
|
||||
document.getElementById('rateA-out').textContent = (rA * 100).toLocaleString('nb-NO', { minimumFractionDigits: 1 }) + '\u202f%';
|
||||
document.getElementById('rateB-out').textContent = (rB * 100).toLocaleString('nb-NO', { minimumFractionDigits: 1 }) + '\u202f%';
|
||||
document.getElementById('yrs-out').textContent = Y + '\u202får';
|
||||
|
||||
const totalPaid = P * 12 * Y;
|
||||
|
||||
// Statistikkort
|
||||
document.getElementById('st-valA').textContent = fmtKr(valA[Y]);
|
||||
document.getElementById('st-subA').textContent = 'herav ' + fmtKr(interestA[Y]) + ' i renter';
|
||||
document.getElementById('st-valB').textContent = fmtKr(valB[Y]);
|
||||
document.getElementById('st-subB').textContent = 'herav ' + fmtKr(interestB[Y]) + ' i renter';
|
||||
document.getElementById('st-diff').textContent = fmtKr(gaps[Y]);
|
||||
const ppDiff = Math.abs(rB * 100 - rA * 100);
|
||||
document.getElementById('st-diff-sub').textContent = 'pga. ' + ppDiff.toLocaleString('nb-NO', { minimumFractionDigits: 1 }) + ' pp forskjell';
|
||||
document.getElementById('st-paid').textContent = fmtKr(totalPaid);
|
||||
|
||||
// Banner
|
||||
document.getElementById('banner-gap').textContent = fmtKr(gaps[Y]);
|
||||
|
||||
// Innsikt
|
||||
const insightEl = document.getElementById('insight');
|
||||
insightEl.textContent = '';
|
||||
const parts = [
|
||||
{ text: 'Dere betalte inn like mye: ' },
|
||||
{ text: fmtKr(totalPaid), bold: true },
|
||||
{ text: '. Men B har ' },
|
||||
{ text: fmtKr(gaps[Y]), bold: true },
|
||||
{ text: ' mer — kun pga. ' + ppDiff.toLocaleString('nb-NO', { minimumFractionDigits: 1 }) + ' prosentpoeng høyere avkastning.' }
|
||||
];
|
||||
parts.forEach(p => {
|
||||
if (p.bold) {
|
||||
const strong = document.createElement('strong');
|
||||
strong.textContent = p.text;
|
||||
insightEl.appendChild(strong);
|
||||
} else {
|
||||
insightEl.appendChild(document.createTextNode(p.text));
|
||||
}
|
||||
});
|
||||
|
||||
// Diagram 1: Formue over tid
|
||||
chart1.data.labels = labels;
|
||||
chart1.data.datasets[0].data = valA;
|
||||
chart1.data.datasets[1].data = valB;
|
||||
chart1.update('none');
|
||||
|
||||
// Diagram 2: Gap
|
||||
chart2.data.labels = labels;
|
||||
chart2.data.datasets[0].data = gaps;
|
||||
chart2.update('none');
|
||||
|
||||
// Diagram 3: Stacked bar — sample hvert 5. år for lesbarhet
|
||||
const barLabels = [], barDep = [], barIntA = [], barDepB = [], barIntB = [];
|
||||
for (let y = 0; y <= Y; y++) {
|
||||
if (y === 0 || y % 5 === 0 || y === Y) {
|
||||
barLabels.push(y === 0 ? 'I dag' : 'År ' + y);
|
||||
barDep.push(deposits[y]);
|
||||
barIntA.push(interestA[y]);
|
||||
barDepB.push(deposits[y]);
|
||||
barIntB.push(interestB[y]);
|
||||
}
|
||||
}
|
||||
chart3.data.labels = barLabels;
|
||||
chart3.data.datasets[0].data = barDep;
|
||||
chart3.data.datasets[1].data = barIntA;
|
||||
chart3.data.datasets[2].data = barDepB;
|
||||
chart3.data.datasets[3].data = barIntB;
|
||||
chart3.update('none');
|
||||
}
|
||||
|
||||
['monthly', 'rateA', 'rateB', 'yrs'].forEach(id =>
|
||||
document.getElementById(id).addEventListener('input', update)
|
||||
);
|
||||
update();
|
||||
151
public/sparing/index.html
Normal file
151
public/sparing/index.html
Normal file
|
|
@ -0,0 +1,151 @@
|
|||
<!DOCTYPE html>
|
||||
<html lang="nb">
|
||||
<head>
|
||||
<meta charset="UTF-8">
|
||||
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
||||
<title>Rentes rente — interaktiv kalkulator</title>
|
||||
<link rel="preconnect" href="https://fonts.googleapis.com">
|
||||
<link href="https://fonts.googleapis.com/css2?family=Fraunces:ital,opsz,wght@0,9..144,300;0,9..144,600;1,9..144,300&family=DM+Sans:wght@300;400;500&display=swap" rel="stylesheet">
|
||||
<link rel="stylesheet" href="style.css">
|
||||
<script src="https://cdnjs.cloudflare.com/ajax/libs/Chart.js/4.4.1/chart.umd.js"></script>
|
||||
</head>
|
||||
<body>
|
||||
|
||||
<header>
|
||||
<p class="eyebrow">Samme sparebeløp. Ikke det samme resultatet.</p>
|
||||
<h1>Rentes rente<br><em>forsterker</em></h1>
|
||||
<p class="lead">Noen få prosentpoeng i avkastning ser ubetydelig ut — men over tid skaper de enorme forskjeller. Se hva rentes rente gjør med sparepengene dine.</p>
|
||||
<div class="stamp">Tid i markedet</div>
|
||||
</header>
|
||||
|
||||
<div class="small-diff-banner">
|
||||
<span class="sd-icon">↗</span>
|
||||
<span>Med <strong>3 000 kr/mnd</strong> i 25 år: bare 3 prosentpoeng mer i avkastning gir over <strong id="banner-gap">—</strong> ekstra.</span>
|
||||
</div>
|
||||
|
||||
<main>
|
||||
|
||||
<div class="controls-card">
|
||||
<h2>Sjekk selv</h2>
|
||||
<div class="controls-grid">
|
||||
<div class="control-group">
|
||||
<label>Månedlig sparebeløp</label>
|
||||
<div class="val-row">
|
||||
<input type="range" id="monthly" min="1000" max="20000" step="500" value="3000">
|
||||
<span class="val-display" id="monthly-out">3 000 kr</span>
|
||||
</div>
|
||||
</div>
|
||||
<div class="control-group">
|
||||
<label>Avkastning A (% per år)</label>
|
||||
<div class="val-row">
|
||||
<input type="range" id="rateA" min="1" max="15" step="0.5" value="4">
|
||||
<span class="val-display" id="rateA-out">4,0 %</span>
|
||||
</div>
|
||||
</div>
|
||||
<div class="control-group">
|
||||
<label>Avkastning B (% per år)</label>
|
||||
<div class="val-row">
|
||||
<input type="range" id="rateB" min="1" max="15" step="0.5" value="7">
|
||||
<span class="val-display" id="rateB-out">7,0 %</span>
|
||||
</div>
|
||||
</div>
|
||||
<div class="control-group">
|
||||
<label>Antall år</label>
|
||||
<div class="val-row">
|
||||
<input type="range" id="yrs" min="5" max="40" step="1" value="25">
|
||||
<span class="val-display" id="yrs-out">25 år</span>
|
||||
</div>
|
||||
</div>
|
||||
</div>
|
||||
</div>
|
||||
|
||||
<div class="stat-strip">
|
||||
<div class="stat">
|
||||
<div class="stat-label">Sparekonto A etter <span class="yr-lbl">25</span> år</div>
|
||||
<div class="stat-value" id="st-valA">—</div>
|
||||
<div class="stat-sub" id="st-subA">—</div>
|
||||
</div>
|
||||
<div class="stat">
|
||||
<div class="stat-label">Sparekonto B etter <span class="yr-lbl">25</span> år</div>
|
||||
<div class="stat-value" id="st-valB">—</div>
|
||||
<div class="stat-sub" id="st-subB">—</div>
|
||||
</div>
|
||||
<div class="stat stat-diff">
|
||||
<div class="stat-label">B har mer enn A</div>
|
||||
<div class="stat-value" id="st-diff" style="color:var(--accent);">—</div>
|
||||
<div class="stat-sub" id="st-diff-sub">—</div>
|
||||
</div>
|
||||
<div class="stat">
|
||||
<div class="stat-label">Totalt innbetalt</div>
|
||||
<div class="stat-value" id="st-paid">—</div>
|
||||
<div class="stat-sub">likt for begge</div>
|
||||
</div>
|
||||
</div>
|
||||
|
||||
<!-- Diagram 1: Formue over tid -->
|
||||
<div class="chart-section">
|
||||
<div class="chart-header">
|
||||
<div>
|
||||
<div class="chart-title">Formue over tid</div>
|
||||
<div class="chart-desc">Samme sparebeløp, ulik avkastning</div>
|
||||
</div>
|
||||
<div class="legend">
|
||||
<span><span class="swatch" style="background:#1a4a8a;"></span>Konto A</span>
|
||||
<span><span class="swatch" style="background:#c0392b;"></span>Konto B</span>
|
||||
</div>
|
||||
</div>
|
||||
<div class="chart-wrap h-240"><canvas id="chart1"></canvas></div>
|
||||
</div>
|
||||
|
||||
<!-- Diagram 2: Forskjell i formue -->
|
||||
<div class="chart-section">
|
||||
<div class="chart-header">
|
||||
<div>
|
||||
<div class="chart-title">Forskjell i formue</div>
|
||||
<div class="chart-desc">Hvor mye mer B har enn A — vokser eksponentielt</div>
|
||||
</div>
|
||||
<div class="legend">
|
||||
<span><span class="swatch" style="background:#4a3a8a;"></span>Gap</span>
|
||||
</div>
|
||||
</div>
|
||||
<div class="chart-wrap h-200"><canvas id="chart2"></canvas></div>
|
||||
</div>
|
||||
|
||||
<div class="insight" id="insight"></div>
|
||||
|
||||
<!-- Diagram 3: Avkastning vs innbetalt -->
|
||||
<div class="chart-section">
|
||||
<div class="chart-header">
|
||||
<div>
|
||||
<div class="chart-title">Avkastning vs. innbetalt</div>
|
||||
<div class="chart-desc">Viser hvor mye som er innskudd og hvor mye som er renter</div>
|
||||
</div>
|
||||
<div class="legend">
|
||||
<span><span class="swatch" style="background:#1a4a8a;"></span>Innskudd</span>
|
||||
<span><span class="swatch" style="background:rgba(26,74,138,0.35);"></span>Renter A</span>
|
||||
<span><span class="swatch" style="background:rgba(192,57,43,0.35);"></span>Renter B</span>
|
||||
</div>
|
||||
</div>
|
||||
<div class="chart-wrap h-240"><canvas id="chart3"></canvas></div>
|
||||
</div>
|
||||
|
||||
<!-- Forklaring -->
|
||||
<div class="explainer">
|
||||
<h3>Rentes rente-effekten</h3>
|
||||
<p>Rentes rente betyr at avkastningen din også gir avkastning. Over tid blir det renter du tjener på rentene som utgjør mesteparten av formuen — ikke de månedlige innskuddene dine.</p>
|
||||
<div class="formula-box">
|
||||
Sluttverdi = <span>P × ((1 + r)ⁿ − 1) / r</span><br>
|
||||
der P = månedlig beløp, r = månedsrente, n = antall måneder
|
||||
</div>
|
||||
<p>Selv små forskjeller i avkastning — noen få prosentpoeng — gir dramatisk ulike resultater over lang tid. Det er derfor valg av sparestrategi tidlig i livet har så stor betydning.</p>
|
||||
</div>
|
||||
|
||||
</main>
|
||||
|
||||
<footer>
|
||||
<a href="../">← Alle kalkulatorer</a> · Laget med Chart.js · Tallene er illustrative og ikke finansiell rådgivning · <a href="https://kode.naiv.no/olemd/forskjeller.naiv.no">Kildekode</a>
|
||||
</footer>
|
||||
|
||||
<script src="app.js"></script>
|
||||
</body>
|
||||
</html>
|
||||
370
public/sparing/style.css
Normal file
370
public/sparing/style.css
Normal file
|
|
@ -0,0 +1,370 @@
|
|||
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
|
||||
|
||||
:root {
|
||||
--bg: #f5f2eb;
|
||||
--bg2: #ede9e0;
|
||||
--bg3: #e4dfd3;
|
||||
--ink: #1a1714;
|
||||
--ink2: #5a5650;
|
||||
--ink3: #8a857e;
|
||||
--accent: #c0392b;
|
||||
--accent2: #2c6e49;
|
||||
--blue: #1a4a8a;
|
||||
--amber: #b5620a;
|
||||
--purple: #4a3a8a;
|
||||
--border: rgba(26,23,20,0.12);
|
||||
--radius: 4px;
|
||||
}
|
||||
|
||||
html { scroll-behavior: smooth; }
|
||||
|
||||
body {
|
||||
font-family: 'DM Sans', sans-serif;
|
||||
background: var(--bg);
|
||||
color: var(--ink);
|
||||
font-size: 16px;
|
||||
line-height: 1.6;
|
||||
min-height: 100vh;
|
||||
}
|
||||
|
||||
/* HEADER */
|
||||
header {
|
||||
background: var(--ink);
|
||||
color: var(--bg);
|
||||
padding: 3.5rem 2rem 3rem;
|
||||
text-align: center;
|
||||
position: relative;
|
||||
overflow: hidden;
|
||||
}
|
||||
header::before {
|
||||
content: '';
|
||||
position: absolute;
|
||||
inset: 0;
|
||||
background: repeating-linear-gradient(
|
||||
-45deg,
|
||||
transparent,
|
||||
transparent 40px,
|
||||
rgba(255,255,255,0.02) 40px,
|
||||
rgba(255,255,255,0.02) 41px
|
||||
);
|
||||
}
|
||||
header .eyebrow {
|
||||
font-size: 11px;
|
||||
letter-spacing: 0.18em;
|
||||
text-transform: uppercase;
|
||||
color: rgba(245,242,235,0.5);
|
||||
margin-bottom: 1rem;
|
||||
font-weight: 400;
|
||||
}
|
||||
header h1 {
|
||||
font-family: 'Fraunces', serif;
|
||||
font-size: clamp(2.2rem, 6vw, 4rem);
|
||||
font-weight: 600;
|
||||
line-height: 1.1;
|
||||
margin-bottom: 1rem;
|
||||
position: relative;
|
||||
}
|
||||
header h1 em {
|
||||
font-style: italic;
|
||||
color: #e8b4a0;
|
||||
}
|
||||
header p.lead {
|
||||
font-size: clamp(0.95rem, 2vw, 1.1rem);
|
||||
color: rgba(245,242,235,0.65);
|
||||
max-width: 560px;
|
||||
margin: 0 auto;
|
||||
font-weight: 300;
|
||||
line-height: 1.7;
|
||||
}
|
||||
|
||||
/* MAIN LAYOUT */
|
||||
main {
|
||||
max-width: 900px;
|
||||
margin: 0 auto;
|
||||
padding: 2.5rem 1.25rem 4rem;
|
||||
}
|
||||
|
||||
/* CONTROLS CARD */
|
||||
.controls-card {
|
||||
background: var(--ink);
|
||||
color: var(--bg);
|
||||
border-radius: 8px;
|
||||
padding: 2rem;
|
||||
margin-bottom: 2.5rem;
|
||||
}
|
||||
.controls-card h2 {
|
||||
font-family: 'Fraunces', serif;
|
||||
font-size: 1rem;
|
||||
font-weight: 300;
|
||||
font-style: italic;
|
||||
color: rgba(245,242,235,0.5);
|
||||
margin-bottom: 1.5rem;
|
||||
letter-spacing: 0.03em;
|
||||
}
|
||||
.controls-grid {
|
||||
display: grid;
|
||||
grid-template-columns: 1fr 1fr;
|
||||
gap: 1.25rem 2rem;
|
||||
}
|
||||
@media (max-width: 560px) {
|
||||
.controls-grid { grid-template-columns: 1fr; gap: 1rem; }
|
||||
}
|
||||
|
||||
.control-group label {
|
||||
display: block;
|
||||
font-size: 12px;
|
||||
letter-spacing: 0.08em;
|
||||
text-transform: uppercase;
|
||||
color: rgba(245,242,235,0.45);
|
||||
margin-bottom: 0.5rem;
|
||||
font-weight: 400;
|
||||
}
|
||||
.control-group .val-row {
|
||||
display: flex;
|
||||
align-items: center;
|
||||
gap: 10px;
|
||||
}
|
||||
.control-group input[type=range] {
|
||||
flex: 1;
|
||||
-webkit-appearance: none;
|
||||
height: 3px;
|
||||
background: rgba(245,242,235,0.15);
|
||||
border-radius: 2px;
|
||||
outline: none;
|
||||
cursor: pointer;
|
||||
}
|
||||
.control-group input[type=range]::-webkit-slider-thumb {
|
||||
-webkit-appearance: none;
|
||||
width: 16px; height: 16px;
|
||||
border-radius: 50%;
|
||||
background: var(--bg);
|
||||
cursor: pointer;
|
||||
transition: transform 0.1s;
|
||||
}
|
||||
.control-group input[type=range]::-webkit-slider-thumb:hover { transform: scale(1.2); }
|
||||
.control-group input[type=range]::-moz-range-thumb {
|
||||
width: 16px; height: 16px;
|
||||
border-radius: 50%;
|
||||
background: var(--bg);
|
||||
cursor: pointer;
|
||||
border: none;
|
||||
}
|
||||
.control-group .val-display {
|
||||
font-size: 1rem;
|
||||
font-weight: 500;
|
||||
color: var(--bg);
|
||||
min-width: 80px;
|
||||
text-align: right;
|
||||
font-variant-numeric: tabular-nums;
|
||||
}
|
||||
|
||||
/* STAT STRIP */
|
||||
.stat-strip {
|
||||
display: grid;
|
||||
grid-template-columns: repeat(4, 1fr);
|
||||
gap: 10px;
|
||||
margin-bottom: 2.5rem;
|
||||
}
|
||||
@media (max-width: 600px) {
|
||||
.stat-strip { grid-template-columns: 1fr 1fr; }
|
||||
}
|
||||
@media (max-width: 360px) {
|
||||
.stat-strip { grid-template-columns: 1fr; }
|
||||
}
|
||||
.stat {
|
||||
background: var(--bg2);
|
||||
border: 1px solid var(--border);
|
||||
border-radius: 6px;
|
||||
padding: 1rem 1.1rem;
|
||||
}
|
||||
.stat-label {
|
||||
font-size: 11px;
|
||||
letter-spacing: 0.07em;
|
||||
text-transform: uppercase;
|
||||
color: var(--ink3);
|
||||
margin-bottom: 0.35rem;
|
||||
}
|
||||
.stat-value {
|
||||
font-size: 1.4rem;
|
||||
font-weight: 500;
|
||||
color: var(--ink);
|
||||
font-variant-numeric: tabular-nums;
|
||||
line-height: 1.2;
|
||||
}
|
||||
.stat-sub {
|
||||
font-size: 12px;
|
||||
color: var(--ink3);
|
||||
margin-top: 0.2rem;
|
||||
}
|
||||
|
||||
/* CHART SECTIONS */
|
||||
.chart-section {
|
||||
background: #fff;
|
||||
border: 1px solid var(--border);
|
||||
border-radius: 8px;
|
||||
padding: 1.5rem;
|
||||
margin-bottom: 1.25rem;
|
||||
}
|
||||
.chart-header {
|
||||
display: flex;
|
||||
align-items: flex-start;
|
||||
justify-content: space-between;
|
||||
margin-bottom: 1rem;
|
||||
gap: 1rem;
|
||||
flex-wrap: wrap;
|
||||
}
|
||||
.chart-title {
|
||||
font-family: 'Fraunces', serif;
|
||||
font-size: 1.1rem;
|
||||
font-weight: 600;
|
||||
color: var(--ink);
|
||||
}
|
||||
.chart-desc {
|
||||
font-size: 13px;
|
||||
color: var(--ink3);
|
||||
margin-top: 2px;
|
||||
}
|
||||
.legend {
|
||||
display: flex;
|
||||
gap: 14px;
|
||||
font-size: 12px;
|
||||
color: var(--ink2);
|
||||
flex-wrap: wrap;
|
||||
align-items: center;
|
||||
}
|
||||
.legend span { display: flex; align-items: center; gap: 5px; }
|
||||
.swatch {
|
||||
width: 10px; height: 10px;
|
||||
border-radius: 2px;
|
||||
flex-shrink: 0;
|
||||
display: inline-block;
|
||||
}
|
||||
.swatch.dashed {
|
||||
background: linear-gradient(90deg, var(--sw-color) 50%, transparent 50%);
|
||||
background-size: 6px 2px;
|
||||
background-repeat: repeat-x;
|
||||
background-position: center;
|
||||
background-color: transparent;
|
||||
height: 2px;
|
||||
width: 18px;
|
||||
border-radius: 0;
|
||||
}
|
||||
.chart-wrap {
|
||||
position: relative;
|
||||
width: 100%;
|
||||
}
|
||||
|
||||
/* INSIGHT BOX */
|
||||
.insight {
|
||||
background: var(--bg2);
|
||||
border-left: 3px solid var(--accent);
|
||||
border-radius: 0 6px 6px 0;
|
||||
padding: 1rem 1.25rem;
|
||||
margin-bottom: 1.25rem;
|
||||
font-size: 0.95rem;
|
||||
color: var(--ink2);
|
||||
line-height: 1.65;
|
||||
}
|
||||
.insight strong { color: var(--ink); font-weight: 500; }
|
||||
|
||||
/* EXPLAINER */
|
||||
.explainer {
|
||||
background: var(--bg3);
|
||||
border: 1px solid var(--border);
|
||||
border-radius: 8px;
|
||||
padding: 1.75rem 2rem;
|
||||
margin-top: 2rem;
|
||||
}
|
||||
.explainer h3 {
|
||||
font-family: 'Fraunces', serif;
|
||||
font-size: 1.2rem;
|
||||
font-weight: 600;
|
||||
margin-bottom: 1rem;
|
||||
}
|
||||
.explainer p {
|
||||
font-size: 0.95rem;
|
||||
color: var(--ink2);
|
||||
margin-bottom: 0.75rem;
|
||||
line-height: 1.7;
|
||||
}
|
||||
.explainer p:last-child { margin-bottom: 0; }
|
||||
.explainer strong { color: var(--ink); font-weight: 500; }
|
||||
|
||||
/* FORMULA */
|
||||
.formula-box {
|
||||
background: var(--ink);
|
||||
color: var(--bg);
|
||||
border-radius: 6px;
|
||||
padding: 1rem 1.25rem;
|
||||
font-family: 'DM Sans', monospace;
|
||||
font-size: 0.9rem;
|
||||
margin: 1rem 0;
|
||||
letter-spacing: 0.02em;
|
||||
line-height: 1.8;
|
||||
}
|
||||
.formula-box span { color: #e8b4a0; }
|
||||
|
||||
/* STAMP */
|
||||
.stamp {
|
||||
display: inline-block;
|
||||
position: relative;
|
||||
margin-top: 2rem;
|
||||
padding: 0.55rem 1.1rem;
|
||||
border: 3px solid #e8b4a0;
|
||||
border-radius: 4px;
|
||||
font-family: 'Fraunces', serif;
|
||||
font-size: clamp(0.75rem, 2.5vw, 0.95rem);
|
||||
font-weight: 600;
|
||||
letter-spacing: 0.12em;
|
||||
text-transform: uppercase;
|
||||
color: #e8b4a0;
|
||||
opacity: 0.72;
|
||||
transform: rotate(-4deg);
|
||||
box-shadow: inset 0 0 0 2px rgba(232,180,160,0.18);
|
||||
user-select: none;
|
||||
}
|
||||
.stamp::before {
|
||||
content: '';
|
||||
position: absolute;
|
||||
inset: 3px;
|
||||
border: 1px solid rgba(232,180,160,0.3);
|
||||
border-radius: 2px;
|
||||
pointer-events: none;
|
||||
}
|
||||
|
||||
/* SMALL DIFF BANNER */
|
||||
.small-diff-banner {
|
||||
background: var(--accent);
|
||||
color: #fff;
|
||||
padding: 1rem 2rem;
|
||||
display: flex;
|
||||
align-items: flex-start;
|
||||
gap: 0.75rem;
|
||||
font-size: clamp(0.88rem, 2vw, 1rem);
|
||||
line-height: 1.6;
|
||||
}
|
||||
.small-diff-banner strong { font-weight: 500; }
|
||||
.sd-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 2px; }
|
||||
|
||||
/* FOOTER */
|
||||
footer {
|
||||
text-align: center;
|
||||
padding: 2rem 1rem;
|
||||
font-size: 12px;
|
||||
color: var(--ink3);
|
||||
border-top: 1px solid var(--border);
|
||||
margin-top: 3rem;
|
||||
}
|
||||
footer a { color: var(--ink3); }
|
||||
|
||||
/* RESPONSIVE CHART HEIGHTS */
|
||||
.h-240 { height: 240px; }
|
||||
.h-200 { height: 200px; }
|
||||
@media (max-width: 480px) {
|
||||
.h-240 { height: 200px; }
|
||||
.h-200 { height: 170px; }
|
||||
.chart-section { padding: 1rem; }
|
||||
main { padding: 1.5rem 1rem 3rem; }
|
||||
.controls-card { padding: 1.25rem; }
|
||||
.explainer { padding: 1.25rem; }
|
||||
}
|
||||
Loading…
Add table
Add a link
Reference in a new issue