// 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 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 inheritance = +document.getElementById('inheritance').value; const P = +document.getElementById('monthly').value; const rate = +document.getElementById('rate').value / 100; const Y = +document.getElementById('yrs').value; const labels = [], wealthA = [], wealthB = [], gaps = [], arvPct = []; for (let y = 0; y <= Y; y++) { labels.push(y === 0 ? 'I dag' : (y % 5 === 0 || Y <= 10 || y === Y) ? 'År ' + y : ''); // A = ren annuitet (starter fra null) const a = futureValue(P, rate, y); // B = arv med rentes rente + samme annuitet const arvGrown = inheritance * Math.pow(1 + rate, y); const b = arvGrown + futureValue(P, rate, y); // Gap = Arv × (1+r)^n — vokser alltid const gap = arvGrown; wealthA.push(a); wealthB.push(b); gaps.push(gap); // Arvens andel av Bs formue (prosent) arvPct.push(b > 0 ? (arvGrown / b) * 100 : 0); } return { inheritance, P, rate, Y, labels, wealthA, wealthB, gaps, arvPct }; } 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' } } } }; } // Tilpasset y-akse for prosentdiagram function pctOpts() { const opts = baseOpts(); opts.scales.y.min = 0; opts.scales.y.max = 100; opts.scales.y.ticks = { color: TICK_COLOR, font: { size: 11, family: 'DM Sans' }, callback: v => v + ' %' }; opts.plugins.tooltip.callbacks = { label: c => ' ' + c.parsed.y.toFixed(1) + ' %' }; return opts; } // Diagram 1: Formue 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: Absolutt forskjell (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: Arvens andel av Bs formue (prosent — tilpasset y-akse) const chart3 = new Chart(document.getElementById('chart3'), { type: 'line', data: { labels: [], datasets: [ { data: [], borderColor: '#b5620a', backgroundColor: 'rgba(181,98,10,0.1)', fill: true, tension: 0.35, pointRadius: 0, borderWidth: 2 } ]}, options: pctOpts() }); // SIKKERHETSNOTAT: Alle verdier er beregnet fra numeriske slider-verdier. // Ingen bruker-tekstinput brukes i DOM-oppdateringer. function update() { const { inheritance, P, rate, Y, labels, wealthA, wealthB, gaps, arvPct } = getData(); // Slider-visning document.querySelectorAll('.yr-lbl').forEach(el => el.textContent = Y); document.getElementById('inheritance-out').textContent = Math.round(inheritance).toLocaleString('nb-NO') + '\u202fkr'; document.getElementById('monthly-out').textContent = Math.round(P).toLocaleString('nb-NO') + '\u202fkr'; document.getElementById('rate-out').textContent = (rate * 100).toLocaleString('nb-NO', { minimumFractionDigits: 1 }) + '\u202f%'; document.getElementById('yrs-out').textContent = Y + '\u202får'; // Statistikkort document.getElementById('st-valA').textContent = fmtKr(wealthA[Y]); document.getElementById('st-valB').textContent = fmtKr(wealthB[Y]); document.getElementById('st-subB').textContent = 'herav ' + fmtKr(gaps[Y]) + ' fra arv'; document.getElementById('st-gap').textContent = fmtKr(gaps[Y]); const multiplier = (gaps[Y] / inheritance).toFixed(1).replace('.', ','); document.getElementById('st-gap-sub').textContent = multiplier + '× opprinnelig arv'; document.getElementById('st-grown').textContent = fmtKr(gaps[Y]); document.getElementById('st-grown-sub').textContent = 'fra ' + fmtKr(inheritance); // Banner document.getElementById('banner-gap').textContent = fmtKr(gaps[Y]); // Innsikt — bruker DOM-metoder for sikkerhet const insightEl = document.getElementById('insight'); insightEl.textContent = ''; const parts = [ { text: 'A sparte like mye som B i ' + Y + ' år. Men arven på ' }, { text: fmtKr(inheritance), bold: true }, { text: ' har vokst til ' }, { text: fmtKr(gaps[Y]), bold: true }, { text: ' — og gapet kan aldri lukkes.' } ]; 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 chart1.data.labels = labels; chart1.data.datasets[0].data = wealthA; chart1.data.datasets[1].data = wealthB; chart1.update('none'); // Diagram 2: Absolutt gap chart2.data.labels = labels; chart2.data.datasets[0].data = gaps; chart2.update('none'); // Diagram 3: Arvens prosentandel chart3.data.labels = labels; chart3.data.datasets[0].data = arvPct; chart3.update('none'); } ['inheritance', 'monthly', 'rate', 'yrs'].forEach(id => document.getElementById(id).addEventListener('input', update) ); update();