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<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8">
<title>Monever - Tools</title>
<link rel="icon" href="assets/Monever%20Logo.png" sizes="32x32">
<link rel="shortcut icon" href="assets/Monever%20Logo.png">
<link rel="apple-touch-icon" href="assets/Monever%20Logo.png">
<meta name="theme-color" content="#404040">
<link href="https://cdn.jsdelivr.net/npm/bootstrap@5.3.0/dist/css/bootstrap.min.css" rel="stylesheet">
<link rel="stylesheet" href="https://cdn.jsdelivr.net/npm/bootstrap-icons@1.10.0/font/bootstrap-icons.css">
<link rel="stylesheet" href="style.css">
</head>
<body>
<div id="mobile-block">
<div class="win95-dialog">
<div class="win95-title-bar">
<span>⚠️ Incompatible Device</span>
</div>
<div class="win95-dialog-body">
<p>This application is optimised for desktop computers. Mobile handsets were not commonplace during the era this
software was designed for. Please access Monever from a desktop or laptop computer for the intended
experience.</p>
<p class="mt-4 fw-bold text-uppercase" style="font-size: 12px; letter-spacing: 1px; color: #606060;">Access from
a computer</p>
</div>
</div>
</div>
<nav class="navbar" style="position: relative;">
<div class="container-fluid px-4" style="display: flex; justify-content: space-between; align-items: center;">
<a class="navbar-brand" href="index.html" style="flex: 1; display: flex; align-items: center;">
<img src="assets/Monever%20Logo.png" alt="Monever" height="40" class="brand-logo">
<div class="brand-wordmark">
<span class="brand-name">Monever</span>
<span class="brand-tagline">Money Saver, Forever</span>
</div>
</a>
<!-- PROFILE BUTTON - CENTERED VIA FLEX -->
<button id="profileNavBtn" onclick="openProfileModal()" style="background-color: #c0c0c0; border: 2px solid; border-color: #ffffff #808080 #808080 #ffffff;
padding: 2px 10px; font-size: 0.8rem; cursor: pointer; display: flex; align-items: center; gap: 5px;
white-space: nowrap; flex-shrink: 0;" title="My Profile" onmouseenter="this.style.backgroundColor='#d0d0d0'"
onmouseleave="this.style.backgroundColor='#c0c0c0'">
<i class="bi bi-person-fill"></i> My Profile
</button>
<div class="navbar-nav ms-0 d-flex flex-row gap-1" style="flex: 1; justify-content: flex-end;">
<a class="nav-link" href="index.html"><i class="bi bi-house-door me-2"></i>Home</a>
<a class="nav-link" href="data.html"><i class="bi bi-bar-chart me-2"></i>Insights</a>
<a class="nav-link active" href="tools.html"><i class="bi bi-tools me-2"></i>Tools</a>
<a class="nav-link" href="lab.html"><svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" fill="black"
class="me-2" viewBox="0 0 16 16" style="vertical-align: -0.125em; position: relative; top: 0.5px;">
<path
d="M2 4.5A.5.5 0 0 1 2.5 4h1a.5.5 0 0 1 .5.5v.5h1v-1a.5.5 0 0 1 .5-.5h3a.5.5 0 0 1 .5.5v1h1v-.5a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1.238L14.502 11h-1.074l-3.292-3.292A.5.5 0 0 0 9.782 7.5h-3.564a.5.5 0 0 0-.354.146L2.572 11H1.498L2 5.738V4.5zM13.372 12l1.64-1.64a.5.5 0 0 0 .134-.354V8.5h-1v1.238L11.502 12h1.87zM2.628 12 1 10.36V8.5h1v1.238L4.498 12H2.628zM10 13H6v1h4v-1zm4 1.5c0 .276-.224.5-.5.5h-11a.5.5 0 0 1-.5-.5V14h12v.5z" />
</svg>Lab</a>
<a class="nav-link" href="about.html"><i class="bi bi-info-circle me-2"></i>About</a>
<li class="nav-item">
<a class="nav-link" href="help.html">
<i class="bi bi-question-circle me-1"></i>Help
</a>
</li>
</div>
</div>
</nav>
<div class="container"
style="max-width: 100% !important; padding: 0 1rem; overflow-y: hidden; display: flex; flex-direction: column;">
<div id="pageLayout"
style="display: grid; grid-template-columns: 200px 1fr 200px; gap: 12px; align-items: stretch; padding-top: 1rem; flex: 1; overflow: hidden;">
<!-- LEFT WIDGETS COLUMN -->
<div id="leftWidgets"
style="display: flex; flex-direction: column; gap: 12px; position: sticky; top: 0; height: 100%;">
<div class="widget-slot" id="slot-L1">
<div class="widget-add-btn" onclick="openWidgetPicker('slot-L1')"
style="display: flex; flex-direction: column; align-items: center; justify-content: center; width: 100%; height: 100%; cursor: pointer;">
<span style="font-size: 1.75rem; color: #808080; display: block; margin-bottom: 6px;">
<i class="bi bi-plus-lg"></i>
</span>
<span
style="font-size: 0.75rem; color: #808080; font-weight: bold; text-transform: uppercase; letter-spacing: 0.5px;">
Add Widget
</span>
</div>
</div>
<div class="widget-slot" id="slot-L2">
<div class="widget-add-btn" onclick="openWidgetPicker('slot-L2')"
style="display: flex; flex-direction: column; align-items: center; justify-content: center; width: 100%; height: 100%; cursor: pointer;">
<span style="font-size: 1.75rem; color: #808080; display: block; margin-bottom: 6px;">
<i class="bi bi-plus-lg"></i>
</span>
<span
style="font-size: 0.75rem; color: #808080; font-weight: bold; text-transform: uppercase; letter-spacing: 0.5px;">
Add Widget
</span>
</div>
</div>
<div class="widget-slot" id="slot-L3">
<div class="widget-add-btn" onclick="openWidgetPicker('slot-L3')"
style="display: flex; flex-direction: column; align-items: center; justify-content: center; width: 100%; height: 100%; cursor: pointer;">
<span style="font-size: 1.75rem; color: #808080; display: block; margin-bottom: 6px;">
<i class="bi bi-plus-lg"></i>
</span>
<span
style="font-size: 0.75rem; color: #808080; font-weight: bold; text-transform: uppercase; letter-spacing: 0.5px;">
Add Widget
</span>
</div>
</div>
</div>
<!-- MAIN CONTENT COLUMN -->
<div id="mainContent" style="overflow-y: auto; padding-right: 8px; height: 100%; padding-bottom: 2rem;">
<section class="hero-banner">
<h1 class="page-title">Financial Tools</h1>
<p id="profileGreeting" style="display:none; font-size: 0.85rem; color: #404040; font-weight: bold;"></p>
<p class="hero-subtitle">Calculators to help you plan smarter.</p>
</section>
<div class="text-center">
<ul class="nav nav-pills mb-5" id="toolTabs" role="tablist">
<li class="nav-item" role="presentation">
<button class="nav-link active" id="emicalc-tab" data-bs-toggle="pill" data-bs-target="#emicalc"
type="button" role="tab">
<i class="bi bi-calculator me-2"></i>EMI Calc
</button>
</li>
<li class="nav-item" role="presentation">
<button class="nav-link" id="fdcalc-tab" data-bs-toggle="pill" data-bs-target="#fdcalc" type="button"
role="tab">
<i class="bi bi-piggy-bank me-2"></i>FD Calc
</button>
</li>
<li class="nav-item" role="presentation">
<button class="nav-link" id="sipcalc-tab" data-bs-toggle="pill" data-bs-target="#sipcalc" type="button"
role="tab">
<i class="bi bi-graph-up-arrow me-2"></i>SIP Calc
</button>
</li>
<li class="nav-item" role="presentation">
<button class="nav-link" id="ppfcalc-tab" data-bs-toggle="pill" data-bs-target="#ppfcalc" type="button"
role="tab">
<i class="bi bi-shield-lock me-2"></i>PPF Calc
</button>
</li>
<li class="nav-item" role="presentation">
<button class="nav-link" id="npscalc-tab" data-bs-toggle="pill" data-bs-target="#npscalc" type="button"
role="tab">
<i class="bi bi-person-check me-2"></i>NPS Calc
</button>
</li>
<li class="nav-item" role="presentation">
<button class="nav-link" id="elsscalc-tab" data-bs-toggle="pill" data-bs-target="#elsscalc" type="button"
role="tab">
<i class="bi bi-percent me-2"></i>ELSS Calc
</button>
</li>
<li class="nav-item" role="presentation">
<button class="nav-link" id="rentvsbuy-tab" data-bs-toggle="pill" data-bs-target="#rentvsbuy"
type="button" role="tab">
<i class="bi bi-house-door me-2"></i>Rent vs Buy
</button>
</li>
<li class="nav-item" role="presentation">
<button class="nav-link" id="budget503020-tab" data-bs-toggle="pill" data-bs-target="#budget503020"
type="button" role="tab">
<i class="bi bi-pie-chart me-2"></i>50/30/20
</button>
</li>
<li class="nav-item" role="presentation">
<button class="nav-link" id="inflationcalc-tab" data-bs-toggle="pill" data-bs-target="#inflationcalc"
type="button" role="tab">
<i class="bi bi-graph-down-arrow me-2"></i>Inflation
</button>
</li>
<li class="nav-item" role="presentation">
<button class="nav-link" id="salarybreakup-tab" data-bs-toggle="pill" data-bs-target="#salarybreakup"
type="button" role="tab">
<i class="bi bi-briefcase me-2"></i>Salary Breakup
</button>
</li>
<li class="nav-item" role="presentation">
<button class="nav-link" id="moneyclock-tab" data-bs-toggle="pill" data-bs-target="#moneyclock"
type="button" role="tab">
<i class="bi bi-clock me-2"></i>Money Clock
</button>
</li>
<li class="nav-item" role="presentation">
<button class="nav-link" id="procrastination-tab" data-bs-toggle="pill" data-bs-target="#procrastination"
type="button" role="tab">
<i class="bi bi-hourglass-split me-2"></i>Procrastination
</button>
</li>
<li class="nav-item" role="presentation">
<button class="nav-link" id="wealthtimeline-tab" data-bs-toggle="pill" data-bs-target="#wealthtimeline"
type="button" role="tab">
<i class="bi bi-graph-up me-2"></i>Wealth Timeline
</button>
</li>
<li class="nav-item" role="presentation">
<button class="nav-link" id="crorecounter-tab" data-bs-toggle="pill" data-bs-target="#crorecounter"
type="button" role="tab">
<i class="bi bi-bullseye me-2"></i>Crore Counter
</button>
</li>
<li class="nav-item" role="presentation">
<button class="nav-link" id="jobcomparator-tab" data-bs-toggle="pill" data-bs-target="#jobcomparator"
type="button" role="tab">
<i class="bi bi-briefcase me-2"></i>Job Comparator
</button>
</li>
</ul>
</div>
<div class="tab-content" id="toolTabsContent">
<div class="tab-pane fade show active" id="emicalc" role="tabpanel">
<div class="card section-card">
<h4 class="mb-4"><i class="bi bi-calculator me-3"></i>Loan EMI Calculator</h4>
<div class="row g-3">
<div class="col-md-4">
<label class="form-label text-muted small fw-bold">Loan Amount</label>
<div class="input-group">
<span class="input-group-text currency-prefix">₹</span>
<input type="number" id="calcLoanAmount" class="form-control" placeholder="100000">
</div>
</div>
<div class="col-md-4">
<label class="form-label text-muted small fw-bold">Interest Rate (%)</label>
<input type="number" id="calcInterestRate" class="form-control" placeholder="10.5" step="0.1">
</div>
<div class="col-md-4">
<label class="form-label text-muted small fw-bold">Tenure (Months)</label>
<input type="number" id="calcTenure" class="form-control" placeholder="12">
</div>
<div class="col-12 mt-4">
<button class="btn btn-primary btn-wide" onclick="calculateLoanEMI()">Calculate EMI</button>
</div>
</div>
<div id="emiCalcResults" class="mt-5 d-none">
<div class="row g-4">
<div class="col-md-4">
<div class="summary-stat-card">
<h6>Monthly EMI</h6>
<p id="resMonthlyEMI" class="stat-value">₹0</p>
</div>
</div>
<div class="col-md-4">
<div class="summary-stat-card">
<h6>Total Interest</h6>
<p id="resTotalInterest" class="stat-value">₹0</p>
</div>
</div>
<div class="col-md-4">
<div class="summary-stat-card">
<h6>Total Amount</h6>
<p id="resTotalPayable" class="stat-value">₹0</p>
</div>
</div>
</div>
</div>
</div>
</div>
<div class="tab-pane fade" id="fdcalc" role="tabpanel">
<div class="card section-card">
<h4 class="mb-4"><i class="bi bi-piggy-bank me-3"></i>Fixed Deposit Calculator</h4>
<div class="row g-3">
<div class="col-md-3">
<label class="form-label text-muted small fw-bold">Principal Amount</label>
<div class="input-group">
<span class="input-group-text currency-prefix">₹</span>
<input type="number" id="fdPrincipal" class="form-control" placeholder="50000">
</div>
</div>
<div class="col-md-3">
<label class="form-label text-muted small fw-bold">Interest Rate (%)</label>
<input type="number" id="fdRate" class="form-control" placeholder="7.0" step="0.1">
</div>
<div class="col-md-3">
<label class="form-label text-muted small fw-bold">Tenure (Years)</label>
<input type="number" id="fdTenure" class="form-control" placeholder="5">
</div>
<div class="col-md-3">
<label class="form-label text-muted small fw-bold">Compounding</label>
<select id="fdCompounding" class="form-control">
<option value="1">Annually</option>
<option value="2">Half-Yearly</option>
<option value="4">Quarterly</option>
<option value="12">Monthly</option>
</select>
</div>
<div class="col-12 mt-4">
<button class="btn btn-primary btn-wide" onclick="calculateFD()">Calculate Maturity</button>
</div>
</div>
<div id="fdCalcResults" class="mt-5 d-none">
<div class="row g-4 mb-5">
<div class="col-md-4">
<div class="summary-stat-card">
<h6>Maturity Amount</h6>
<p id="resFDTotal" class="stat-value">₹0</p>
</div>
</div>
<div class="col-md-4">
<div class="summary-stat-card">
<h6>Total Interest</h6>
<p id="resFDInterest" class="stat-value">₹0</p>
</div>
</div>
<div class="col-md-4">
<div class="summary-stat-card">
<h6>Yield (%)</h6>
<p id="resFDYield" class="stat-value">0%</p>
</div>
</div>
</div>
<h5 class="mb-3 fw-bold">Yearly Growth Table</h5>
<div class="table-responsive">
<table class="table border">
<thead style="background-color: #c0c0c0;">
<tr>
<th>Year</th>
<th>Interest Earned</th>
<th>Closing Balance</th>
</tr>
</thead>
<tbody id="fdGrowthTableBody"></tbody>
</table>
</div>
</div>
</div>
</div>
<div class="tab-pane fade" id="sipcalc" role="tabpanel">
<div class="card section-card">
<h4 class="mb-4"><i class="bi bi-graph-up-arrow me-3"></i>SIP Investment Calculator</h4>
<div class="row g-3">
<div class="col-md-4">
<label class="form-label text-muted small fw-bold">Monthly Investment</label>
<div class="input-group">
<span class="input-group-text currency-prefix">₹</span>
<input type="number" id="sipMonthly" class="form-control" placeholder="5000">
</div>
</div>
<div class="col-md-4">
<label class="form-label text-muted small fw-bold">Expected Return (%)</label>
<input type="number" id="sipRate" class="form-control" placeholder="12" step="0.1">
</div>
<div class="col-md-4">
<label class="form-label text-muted small fw-bold">Tenure (Years)</label>
<input type="number" id="sipTenure" class="form-control" placeholder="10">
</div>
<div class="col-12 mt-4">
<button class="btn btn-primary btn-wide" onclick="calculateSIP()">Calculate Growth</button>
</div>
</div>
<div id="sipCalcResults" class="mt-5 d-none">
<div class="row g-4 mb-5">
<div class="col-md-4">
<div class="summary-stat-card">
<h6>Total Invested</h6>
<p id="resSIPInvested" class="stat-value">₹0</p>
</div>
</div>
<div class="col-md-4">
<div class="summary-stat-card">
<h6>Estimated Returns</h6>
<p id="resSIPReturns" class="stat-value">₹0</p>
</div>
</div>
<div class="col-md-4">
<div class="summary-stat-card">
<h6>Total Value</h6>
<p id="resSIPTotal" class="stat-value">₹0</p>
</div>
</div>
</div>
<div class="row g-4">
<div class="col-md-6">
<h5 class="mb-3 fw-bold">SIP vs Lump Sum Comparison</h5>
<div class="summary-stat-card">
<h6>Lump Sum Equivalent</h6>
<p id="resLumpSumTotal" class="stat-value">₹0</p>
<p class="text-muted small">Value if the same total investment was made as a one-time lump sum
today.
</p>
</div>
</div>
<div class="col-md-6">
<h5 class="mb-3 fw-bold">Future Milestones</h5>
<div class="table-responsive">
<table class="table table-sm border">
<thead style="background-color: #c0c0c0;">
<tr>
<th>Period</th>
<th>Value</th>
</tr>
</thead>
<tbody id="sipMilestoneTable"></tbody>
</table>
</div>
</div>
</div>
</div>
<hr class="my-5">
<h4 class="mb-4"><i class="bi bi-graph-up me-3"></i>Step-up SIP</h4>
<div class="row g-3">
<div class="col-md-6">
<label class="form-label text-muted small fw-bold">Annual Step-up Rate (%)</label>
<input type="number" id="sipStepUpRate" class="form-control" value="10" placeholder="10">
<p class="text-muted small mt-1" style="font-size: 0.75rem;">Uses Monthly Investment and Return Rate
from
above.</p>
</div>
<div class="col-md-6 d-flex align-items-end">
<button class="btn btn-primary btn-wide w-100" onclick="calculateStepUpSIP()">Calculate Step-up
SIP</button>
</div>
</div>
<div id="stepUpResults" class="mt-5 d-none">
<div class="row g-4 mb-5">
<div class="col-md-3">
<div class="summary-stat-card">
<h6>Final Monthly Investment</h6>
<p id="resStepUpFinalMonthly" class="stat-value">₹0</p>
</div>
</div>
<div class="col-md-3">
<div class="summary-stat-card">
<h6>Total Invested</h6>
<p id="resStepUpInvested" class="stat-value">₹0</p>
</div>
</div>
<div class="col-md-3">
<div class="summary-stat-card">
<h6>Estimated Returns</h6>
<p id="resStepUpReturns" class="stat-value">₹0</p>
</div>
</div>
<div class="col-md-3">
<div class="summary-stat-card">
<h6>Total Maturity Value</h6>
<p id="resStepUpTotal" class="stat-value">₹0</p>
</div>
</div>
</div>
<div class="table-responsive mb-4">
<table class="table table-sm border">
<thead style="background-color: #c0c0c0;">
<tr>
<th>Year</th>
<th>Monthly Investment</th>
<th>Cumulative Invested</th>
<th>Projected Value</th>
</tr>
</thead>
<tbody id="stepUpYearlyTable"></tbody>
</table>
</div>
<div class="alert alert-info py-3 border-info">
<i class="bi bi-info-circle me-2"></i>
<span id="stepUpComparisonText" class="fw-bold"></span>
</div>
</div>
</div>
</div>
<div class="tab-pane fade" id="ppfcalc" role="tabpanel">
<div class="card section-card">
<h4 class="mb-4"><i class="bi bi-shield-lock me-3"></i>PPF Savings Calculator</h4>
<div class="row g-3">
<div class="col-md-3">
<label class="form-label text-muted small fw-bold">Yearly Deposit (Max ₹1.5L)</label>
<div class="input-group">
<span class="input-group-text currency-prefix">₹</span>
<input type="number" id="ppfDeposit" class="form-control" placeholder="150000">
</div>
</div>
<div class="col-md-3">
<label class="form-label text-muted small fw-bold">Interest Rate (%)</label>
<input type="number" id="ppfRate" class="form-control" value="7.1" step="0.1">
</div>
<div class="col-md-3">
<label class="form-label text-muted small fw-bold">Start Year</label>
<input type="number" id="ppfYear" class="form-control" value="2024">
</div>
<div class="col-md-3 d-flex align-items-end">
<div class="form-check form-switch mb-2">
<input class="form-check-input" type="checkbox" id="ppfExtend">
<label class="form-check-label text-muted small fw-bold" for="ppfExtend">Extend by 10 years</label>
</div>
</div>
<div class="col-12 mt-4">
<button class="btn btn-primary btn-wide" onclick="calculatePPF()">Calculate Maturity</button>
</div>
</div>
<div id="ppfCalcResults" class="mt-5 d-none">
<div class="row g-4 mb-5">
<div class="col-md-3">
<div class="summary-stat-card">
<h6>Total Deposited</h6>
<p id="resPPFInvested" class="stat-value">₹0</p>
</div>
</div>
<div class="col-md-3">
<div class="summary-stat-card">
<h6>Total Interest</h6>
<p id="resPPFInterest" class="stat-value">₹0</p>
</div>
</div>
<div class="col-md-3">
<div class="summary-stat-card">
<h6>Maturity Value</h6>
<p id="resPPFTotal" class="stat-value">₹0</p>
</div>
</div>
<div class="col-md-3">
<div class="summary-stat-card">
<h6>Duration</h6>
<p id="resPPFDuration" class="stat-value">15 Years</p>
</div>
</div>
</div>
<h5 class="mb-3 fw-bold">Projected Schedule <span class="text-muted small fw-normal">(Simplified Annual
Compounding)</span></h5>
<div class="table-responsive">
<table class="table border small">
<thead style="background-color: #c0c0c0;">
<tr>
<th>Year</th>
<th>Opening</th>
<th>Deposit</th>
<th>Interest</th>
<th>Closing</th>
</tr>
</thead>
<tbody id="ppfTableBody"></tbody>
</table>
</div>
</div>
</div>
</div>
<div class="tab-pane fade" id="npscalc" role="tabpanel">
<div class="card section-card">
<h4 class="mb-2"><i class="bi bi-person-check me-3"></i>NPS Calculator</h4>
<p class="text-muted small mb-4">National Pension System Retirement & Tax Planning.</p>
<div class="row g-3">
<div class="col-md-4">
<label class="form-label text-muted small fw-bold">Current Age</label>
<input type="number" id="npsAge" class="form-control" placeholder="30" min="18" max="60">
</div>
<div class="col-md-4">
<label class="form-label text-muted small fw-bold">Retirement Age</label>
<input type="number" id="npsRetirementAge" class="form-control" value="60" min="40" max="70">
</div>
<div class="col-md-4">
<label class="form-label text-muted small fw-bold">Monthly Contribution</label>
<div class="input-group">
<span class="input-group-text currency-prefix">₹</span>
<input type="number" id="npsMonthly" class="form-control" placeholder="10000">
</div>
</div>
<div class="col-md-4">
<label class="form-label text-muted small fw-bold">Expected Return (%)</label>
<input type="number" id="npsRate" class="form-control" value="10" step="0.1">
</div>
<div class="col-md-4">
<label class="form-label text-muted small fw-bold">Annuity Rate (%)</label>
<input type="number" id="npsAnnuityRate" class="form-control" value="6" step="0.1">
</div>
<div class="col-md-4">
<label class="form-label text-muted small fw-bold">Annuity Purchase (%)</label>
<select id="npsAnnuityPercent" class="form-control">
<option value="40" selected>40%</option>
<option value="60">60%</option>
<option value="80">80%</option>
<option value="100">100%</option>
</select>
</div>
<div class="col-12 mt-4">
<button class="btn btn-primary btn-wide" onclick="calculateNPS()">Calculate NPS Corpus</button>
</div>
</div>
<div id="npsCalcResults" class="mt-5 d-none">
<div class="row g-4 mb-5">
<div class="col-md-3">
<div class="summary-stat-card">
<h6>Total Corpus</h6>
<p id="resNPSCorpus" class="stat-value">₹0</p>
</div>
</div>
<div class="col-md-3">
<div class="summary-stat-card">
<h6>Lump Sum (Tax-Free)</h6>
<p id="resNPSLumpSum" class="stat-value">₹0</p>
</div>
</div>
<div class="col-md-3">
<div class="summary-stat-card">
<h6>Annuity Corpus</h6>
<p id="resNPSAnnuity" class="stat-value">₹0</p>
</div>
</div>
<div class="col-md-3">
<div class="summary-stat-card">
<h6>Monthly Pension</h6>
<p id="resNPSPension" class="stat-value">₹0</p>
</div>
</div>
</div>
<div class="alert alert-info py-3 mb-5 border-info">
<h6 class="fw-bold mb-2"><i class="bi bi-info-circle me-2"></i>NPS Tax Benefits (Section 80CCD)</h6>
<div class="small">
<div>• <strong>80CCD(1) benefit:</strong> Up to ₹1,50,000 deduction (part of 80C limit)</div>
<div class="mt-1">• <strong>80CCD(1B) benefit:</strong> Additional ₹50,000 deduction exclusively for
NPS
over and
above 80C.</div>
</div>
</div>
<h5 class="mb-3 fw-bold">Projected Corpus Growth <span class="text-muted small fw-normal">(5-Year
Intervals)</span>
</h5>
<div class="table-responsive">
<table class="table border">
<thead style="background-color: #c0c0c0;">
<tr>
<th>Age</th>
<th>Annual Contribution</th>
<th>Cumulative Investment</th>
<th>Projected Corpus</th>
</tr>
</thead>
<tbody id="npsGrowthTableBody"></tbody>
</table>
</div>
</div>
</div>
</div>
<div class="tab-pane fade" id="elsscalc" role="tabpanel">
<div class="card section-card">
<h4 class="mb-2"><i class="bi bi-percent me-3"></i>ELSS Calculator</h4>
<p class="text-muted small mb-4">Equity Linked Savings Scheme 80C Tax Saving with Wealth Creation.</p>
<div class="row g-3">
<div class="col-md-3">
<label class="form-label text-muted small fw-bold">Monthly Investment</label>
<div class="input-group">
<span class="input-group-text currency-prefix">₹</span>
<input type="number" id="elssMonthly" class="form-control" placeholder="5000">
</div>
</div>
<div class="col-md-3">
<label class="form-label text-muted small fw-bold">Expected Return (%)</label>
<input type="number" id="elssRate" class="form-control" value="12" step="0.1">
</div>
<div class="col-md-3">
<label class="form-label text-muted small fw-bold">Duration (Years)</label>
<input type="number" id="elssTenure" class="form-control" value="3" min="3">
</div>
<div class="col-md-3">
<label class="form-label text-muted small fw-bold">Tax Slab</label>
<select id="elssTaxSlab" class="form-control">
<option value="5">5%</option>
<option value="20">20%</option>
<option value="30">30%</option>
</select>
</div>
<div class="col-12 mt-4">
<button class="btn btn-primary btn-wide" onclick="calculateELSS()">Calculate ELSS Returns</button>
</div>
</div>
<div id="elssCalcResults" class="mt-5 d-none">
<div class="row g-4 mb-5">
<div class="col-md-4">
<div class="summary-stat-card">
<h6>Maturity Value</h6>
<p id="resELSSMaturity" class="stat-value">₹0</p>
</div>
</div>
<div class="col-md-4">
<div class="summary-stat-card">
<h6>Total Invested</h6>
<p id="resELSSInvested" class="stat-value">₹0</p>
</div>
</div>
<div class="col-md-4">
<div class="summary-stat-card">
<h6>Estimated Returns</h6>
<p id="resELSSReturns" class="stat-value">₹0</p>
</div>
</div>
<div class="col-md-6">
<div class="summary-stat-card">
<h6>Total Tax Saved</h6>
<p id="resELSSTaxSaved" class="stat-value">₹0</p>
<p class="text-muted extra-small">Over the full tenure of investment.</p>
</div>
</div>
<div class="col-md-6">
<div class="summary-stat-card">
<h6>Effective Return %</h6>
<p id="resELSSEffectiveRate" class="stat-value">0%</p>
<p class="text-muted extra-small">Accounting for upfront tax benefits.</p>
</div>
</div>
</div>
<h5 class="mb-3 fw-bold">Tax-Saving Instruments Comparison</h5>
<div class="table-responsive">
<table class="table border small">
<thead style="background-color: #c0c0c0;">
<tr>
<th>Feature</th>
<th>ELSS</th>
<th>Tax-Saving FD</th>
<th>PPF</th>
</tr>
</thead>
<tbody>
<tr>
<td class="fw-bold">Lock-in Period</td>
<td>3 Years</td>
<td>5 Years</td>
<td>15 Years</td>
</tr>
<tr>
<td class="fw-bold">Exp. Returns</td>
<td>12 - 15%</td>
<td>6.5 - 7%</td>
<td>7.1% (Fixed)</td>
</tr>
<tr>
<td class="fw-bold">Tax on Maturity</td>
<td>10% (above ₹1L)</td>
<td>Taxable</td>
<td>Tax-free</td>
</tr>
<tr>
<td class="fw-bold">80C Benefit</td>
<td>Yes</td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td class="fw-bold">Risk Level</td>
<td>High (Equity)</td>
<td>Low / None</td>
<td>None (Govt)</td>
</tr>
</tbody>
</table>
</div>
<p class="text-muted extra-small mt-2">
Note: LTCG above ₹1,00,000 per year is taxed at 10% without indexation as per current tax laws. This
calculator does not account for LTCG tax on maturity.
</p>
</div>
</div>
</div>
<div class="tab-pane fade" id="rentvsbuy" role="tabpanel">
<div class="card section-card">
<h4 class="mb-2"><i class="bi bi-house-door me-3"></i>Rent vs Buy Calculator</h4>
<p class="text-muted small mb-4">Should you rent or take a home loan?</p>
<div class="row g-4">
<div class="col-md-6 border-end">
<h5 class="fw-bold mb-3">Renting</h5>
<div class="row g-3">
<div class="col-12">
<label class="form-label text-muted small fw-bold">Monthly Rent</label>
<div class="input-group">
<span class="input-group-text currency-prefix">₹</span>
<input type="number" id="rvbRent" class="form-control" placeholder="25000">
</div>
</div>
<div class="col-12">
<label class="form-label text-muted small fw-bold">Annual Rent Increase (%)</label>
<input type="number" id="rvbRentIncrease" class="form-control" value="5">
</div>
<div class="col-12">
<label class="form-label text-muted small fw-bold">Surplus Invested Monthly</label>
<div class="input-group">
<span class="input-group-text currency-prefix">₹</span>
<input type="number" id="rvbSurplus" class="form-control" style="background-color: #eeeeee;"
readonly placeholder="Auto-computed">
</div>
<p class="text-muted mt-1" style="font-size: 0.7rem;">Difference between EMI and Rent.</p>
</div>
<div class="col-12">
<label class="form-label text-muted small fw-bold">Expected Returns (%)</label>
<input type="number" id="rvbRentReturn" class="form-control" value="12">
</div>
</div>
</div>
<div class="col-md-6">
<h5 class="fw-bold mb-3">Buying</h5>
<div class="row g-3">
<div class="col-6">
<label class="form-label text-muted small fw-bold">Property Price</label>
<input type="number" id="rvbPrice" class="form-control" placeholder="5000000">
</div>
<div class="col-6">
<label class="form-label text-muted small fw-bold">Down Payment</label>
<input type="number" id="rvbDownPayment" class="form-control" placeholder="1000000">
</div>
<div class="col-6">
<label class="form-label text-muted small fw-bold">Interest Rate (%)</label>
<input type="number" id="rvbLoanRate" class="form-control" value="8.5" step="0.1">
</div>
<div class="col-6">
<label class="form-label text-muted small fw-bold">Tenure (Years)</label>
<input type="number" id="rvbLoanTenure" class="form-control" value="20">
</div>
<div class="col-12">
<label class="form-label text-muted small fw-bold">Monthly EMI</label>
<div class="input-group">
<span class="input-group-text currency-prefix">₹</span>
<input type="number" id="rvbEMI" class="form-control" style="background-color: #eeeeee;"
readonly placeholder="Auto-computed">
</div>
</div>
<div class="col-6">
<label class="form-label text-muted small fw-bold">Annual Appreciation (%)</label>
<input type="number" id="rvbAppreciation" class="form-control" value="6">
</div>
<div class="col-6">
<label class="form-label text-muted small fw-bold">Maintenance/Tax (Mo.)</label>
<input type="number" id="rvbMaintenance" class="form-control" value="3000">
</div>
</div>
</div>
<div class="col-12">
<label class="form-label text-muted small fw-bold">Analysis Period (Years)</label>
<input type="number" id="rvbAnalysisPeriod" class="form-control" value="10">
</div>
<div class="col-12 mt-4">
<button class="btn btn-primary btn-wide w-100" onclick="calculateRentVsBuy()">Compare Now</button>
</div>
</div>
<div id="rvbResults" class="mt-5 d-none">
<div class="card section-card mb-4">
<div class="card-body text-center py-4" style="background-color: #eeeeee;">
<h3 id="rvbVerdictTitle" class="fw-bold mb-2"></h3>
<p id="rvbVerdictDesc" class="text-muted mb-0"></p>
</div>
</div>
<div class="row g-4 mb-5">
<div class="col-md-6">
<div class="summary-stat-card">
<h5 class="fw-bold mb-3">Renting Summary</h5>
<div class="mb-2 d-flex justify-content-between">
<span class="text-muted small">Total Rent Paid:</span>
<span id="resRentTotalPaid" class="fw-bold"></span>
</div>
<div class="mb-2 d-flex justify-content-between">
<span class="text-muted small">Final Net Worth:</span>
<span id="resRentNetWorth" class="fw-bold"></span>
</div>
</div>
</div>
<div class="col-md-6">
<div class="summary-stat-card">
<h5 class="fw-bold mb-3">Buying Summary</h5>
<div class="mb-2 d-flex justify-content-between">
<span class="text-muted small">Total Outflow:</span>
<span id="resBuyTotalOutflow" class="fw-bold"></span>
</div>
<div class="mb-2 d-flex justify-content-between">
<span class="text-muted small">Final Net Worth:</span>
<span id="resBuyNetWorth" class="fw-bold"></span>
</div>
</div>
</div>
</div>
<h5 class="mb-3 fw-bold">Yearly Net Worth Comparison</h5>
<div class="table-responsive">
<table class="table border small">
<thead style="background-color: #c0c0c0;">
<tr>
<th>Year</th>
<th>Buying Net Worth</th>
<th>Renting Net Worth</th>
<th>Difference</th>
</tr>
</thead>
<tbody id="rvbComparisonTableBody"></tbody>
</table>
</div>
</div>
</div>
</div>
<div class="tab-pane fade" id="budget503020" role="tabpanel">
<div class="card section-card">
<h4 class="mb-2"><i class="bi bi-pie-chart me-3"></i>50/30/20 Budget Planner</h4>
<p class="text-muted small mb-4">A simple framework to allocate your monthly income.</p>
<div class="row g-3 align-items-end mb-4">
<div class="col-md-8">
<label class="form-label text-muted small fw-bold">Monthly Take-Home Income</label>
<div class="input-group">
<span class="input-group-text currency-prefix">₹</span>
<input type="number" id="budgetIncome" class="form-control form-control-lg" placeholder="50000">
</div>
</div>
<div class="col-md-4">
<button class="btn btn-primary btn-wide w-100" onclick="generateBudget()">Generate Budget</button>
</div>
</div>
<div id="budgetResults" class="d-none">
<div class="row g-4 mb-5">
<div class="col-md-4">
<div class="summary-stat-card">
<h6>Needs (50%)</h6>
<p id="resNeedsAmt" class="stat-value">₹0</p>
</div>
</div>
<div class="col-md-4">
<div class="summary-stat-card">
<h6>Wants (30%)</h6>
<p id="resWantsAmt" class="stat-value">₹0</p>
</div>
</div>
<div class="col-md-4">
<div class="summary-stat-card">
<h6>Savings (20%)</h6>
<p id="resSavingsAmt" class="stat-value">₹0</p>
</div>
</div>
</div>
<div class="accordion mb-5" id="budgetAccordion">
<div class="accordion-item border mb-3">
<h2 class="accordion-header">
<button class="accordion-button fw-bold" type="button" data-bs-toggle="collapse"
data-bs-target="#collapseNeeds">
Needs Breakdown (50%)
</button>
</h2>
<div id="collapseNeeds" class="accordion-collapse collapse show">
<div class="accordion-body p-0">
<div class="table-responsive">
<table class="table mb-0">
<thead style="background-color: #c0c0c0;">
<tr>
<th>Category</th>
<th>Suggested</th>
<th>Your Plan</th>
</tr>
</thead>
<tbody id="needsTableBody"></tbody>
</table>
</div>
</div>
</div>
</div>
<div class="accordion-item border mb-3">
<h2 class="accordion-header">
<button class="accordion-button collapsed fw-bold" type="button" data-bs-toggle="collapse"
data-bs-target="#collapseWants">
Wants Breakdown (30%)
</button>
</h2>
<div id="collapseWants" class="accordion-collapse collapse">
<div class="accordion-body p-0">
<div class="table-responsive">
<table class="table mb-0">
<thead style="background-color: #c0c0c0;">
<tr>