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>
This commit is contained in:
Ole-Morten Duesund 2026-03-13 13:38:25 +01:00
commit 3ffb404250
13 changed files with 2194 additions and 37 deletions

195
public/sparing/app.js Normal file
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// 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();

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<!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>

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*, *::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; }
}