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
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public/bolig/app.js
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public/bolig/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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function getData() {
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const pA = +document.getElementById('priceA').value;
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const pB = +document.getElementById('priceB').value;
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const g = +document.getElementById('growth').value / 100;
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const Y = +document.getElementById('yrs').value;
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// Lån = 85 % av kjøpspris (forenklet avdragsfritt)
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const loanA = pA * 0.85;
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const loanB = pB * 0.85;
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const labels = [], valA = [], valB = [], valGaps = [];
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const eqA = [], eqB = [], eqGaps = [];
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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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const a = pA * Math.pow(1 + g, y);
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const b = pB * Math.pow(1 + g, y);
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valA.push(a);
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valB.push(b);
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valGaps.push(b - a);
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eqA.push(a - loanA);
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eqB.push(b - loanB);
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eqGaps.push((b - loanB) - (a - loanA));
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}
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return { pA, pB, g, Y, loanA, loanB, labels, valA, valB, valGaps, eqA, eqB, eqGaps };
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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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// Diagram 1: Boligverdi 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: Verdidifferanse
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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: Egenkapitalvekst (A, B, gap)
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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: '#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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{ data: [], borderColor: '#4a3a8a', backgroundColor: 'rgba(74,58,138,0.1)', fill: true, tension: 0.35, pointRadius: 0, borderWidth: 2, borderDash: [6, 4] }
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]},
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options: baseOpts()
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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 { pA, pB, g, Y, loanA, loanB, labels, valA, valB, valGaps, eqA, eqB, eqGaps } = 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('priceA-out').textContent = Math.round(pA).toLocaleString('nb-NO') + '\u202fkr';
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document.getElementById('priceB-out').textContent = Math.round(pB).toLocaleString('nb-NO') + '\u202fkr';
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document.getElementById('growth-out').textContent = (g * 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(valA[Y]);
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document.getElementById('st-subA').textContent = 'EK: ' + fmtKr(eqA[Y]);
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document.getElementById('st-valB').textContent = fmtKr(valB[Y]);
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document.getElementById('st-subB').textContent = 'EK: ' + fmtKr(eqB[Y]);
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document.getElementById('st-valdiff').textContent = fmtKr(valGaps[Y]);
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document.getElementById('st-valdiff-sub').textContent = 'var ' + fmtKr(pB - pA) + ' ved start';
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document.getElementById('st-eqdiff').textContent = fmtKr(eqGaps[Y]);
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const startEqGap = (pB * 0.15) - (pA * 0.15);
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document.getElementById('st-eqdiff-sub').textContent = 'var ' + fmtKr(startEqGap) + ' ved start';
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// Banner
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document.getElementById('banner-gap').textContent = fmtKr(eqGaps[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 growthPct = (g * 100).toLocaleString('nb-NO', { minimumFractionDigits: 1 });
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const parts = [
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{ text: 'Begge boligene steg ' + growthPct + ' % i året. Men B-eieren har ' },
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{ text: fmtKr(eqGaps[Y]), bold: true },
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{ text: ' mer i egenkapital — fordi gjeldsgraden forsterker forskjellen.' }
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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: Boligverdi
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chart1.data.labels = labels;
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chart1.data.datasets[0].data = valA;
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chart1.data.datasets[1].data = valB;
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chart1.update('none');
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// Diagram 2: Verdidifferanse
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chart2.data.labels = labels;
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chart2.data.datasets[0].data = valGaps;
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chart2.update('none');
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// Diagram 3: Egenkapital
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chart3.data.labels = labels;
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chart3.data.datasets[0].data = eqA;
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chart3.data.datasets[1].data = eqB;
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chart3.data.datasets[2].data = eqGaps;
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chart3.update('none');
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}
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['priceA', 'priceB', 'growth', '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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