πŸ’°Investment Calculator

Advanced investment calculator with compound interest, regular contributions, tax analysis, and inflation adjustments. Plan your retirement, calculate portfolio growth, and make informed financial decisions with our comprehensive tool.

πŸ€” What Is An Investment Calculator?

Think of compound interest as a snowball rolling downhill - that's your money growing on autopilot! Our advanced calculator shows how your investments grow with regular contributions, taxes, and inflation, giving you a crystal-clear picture of your financial future. Watch your wealth compound in real-time with professional-grade analysis!

πŸ“ˆ Quick Investment Growth

See how your money can grow over time with compound interest

πŸ“Š Your investment results will appear here

πŸ”¬ Advanced Financial Analysis

Include taxes, inflation, and detailed compounding options

πŸ” Advanced analysis results will appear here

βš–οΈ Investment Scenario Comparison

Compare different investment strategies side by side

πŸ’Ό Scenario A

πŸ† Scenario B

πŸ“ˆ Scenario comparison results will appear here

πŸ“‹ Sample Investment Scenarios

πŸ–οΈ Retirement Planning
$10K initial β€’ $500/month β€’ 7% return β€’ 30 years
πŸŽ“ College Fund
$5K initial β€’ $300/month β€’ 6% return β€’ 18 years
🏠 House Down Payment
$20K initial β€’ $800/month β€’ 5% return β€’ 7 years
🚨 Emergency Fund
$2K initial β€’ $200/month β€’ 4% return β€’ 3 years
πŸ“ˆ Aggressive Growth
$15K initial β€’ $1000/month β€’ 10% return β€’ 15 years
πŸ›‘οΈ Conservative Portfolio
$25K initial β€’ $400/month β€’ 4.5% return β€’ 25 years

πŸ“Š Investment Breakdown

Initial Investment: ${formatNumber(results.initial)}
Total Contributions (${results.years} years): ${formatNumber(results.monthly * results.years * 12)}
Compound Interest: ${formatNumber(results.totalInterest)}
Final Portfolio Value: ${formatNumber(results.totalValue)}
`; } // Display advanced results function displayAdvancedResults(results) { const container = document.getElementById('advancedResultContainer'); container.innerHTML = `
${formatNumber(results.netValue)}
After-Tax Value
${formatNumber(results.realValue)}
Inflation-Adjusted Value
${formatNumber(results.taxes)}
Total Taxes Paid

πŸ”¬ Advanced Analysis

Gross Portfolio Value: ${formatNumber(results.grossValue)}
Taxes (${results.taxRate}% on ${results.accountType}): -${formatNumber(results.taxes)}
After-Tax Value: ${formatNumber(results.netValue)}
Inflation Impact (${results.inflationRate}%): -${formatNumber(results.netValue - results.realValue)}
Real Purchasing Power: ${formatNumber(results.realValue)}
`; } // Display comparison results function displayComparison(resultA, resultB, years) { const container = document.getElementById('comparisonResultContainer'); const difference = resultB.totalValue - resultA.totalValue; const betterScenario = difference > 0 ? 'B' : 'A'; container.innerHTML = `

πŸ’Ό Scenario A

Final Value: ${formatNumber(resultA.totalValue)}
Total Contributions: ${formatNumber(resultA.totalContributions)}
Interest Earned: ${formatNumber(resultA.totalInterest)}
ROI: ${((resultA.totalInterest / resultA.totalContributions) * 100).toFixed(1)}%

πŸ† Scenario B

Final Value: ${formatNumber(resultB.totalValue)}
Total Contributions: ${formatNumber(resultB.totalContributions)}
Interest Earned: ${formatNumber(resultB.totalInterest)}
ROI: ${((resultB.totalInterest / resultB.totalContributions) * 100).toFixed(1)}%

πŸ“ˆ Comparison Result (${years} years)

Scenario ${betterScenario} performs better by ${formatNumber(Math.abs(difference))}

That's ${(Math.abs(difference) / Math.min(resultA.totalValue, resultB.totalValue) * 100).toFixed(1)}% ${difference > 0 ? 'more' : 'less'} than the other scenario

`; } // ========== SAMPLE SCENARIOS ========== // Use sample scenarios function useSample(sampleType) { const samples = { 'retirement': { initial: 10000, monthly: 500, rate: 7, years: 30 }, 'college': { initial: 5000, monthly: 300, rate: 6, years: 18 }, 'house': { initial: 20000, monthly: 800, rate: 5, years: 7 }, 'emergency': { initial: 2000, monthly: 200, rate: 4, years: 3 }, 'aggressive': { initial: 15000, monthly: 1000, rate: 10, years: 15 }, 'conservative': { initial: 25000, monthly: 400, rate: 4.5, years: 25 } }; const sample = samples[sampleType]; if (!sample) return; // Fill in the form document.getElementById('initialAmount').value = sample.initial; document.getElementById('monthlyContribution').value = sample.monthly; document.getElementById('annualReturn').value = sample.rate; document.getElementById('investmentYears').value = sample.years; // Switch to basic tab if not already there if (investmentState.currentTab !== 'basic') { switchTab('basic'); } // Smooth scroll to calculate button document.getElementById('calculateBtn').scrollIntoView({ behavior: 'smooth', block: 'center' }); // Highlight button const btn = document.getElementById('calculateBtn'); btn.style.animation = 'pulse 0.5s ease-in-out'; setTimeout(() => btn.style.animation = '', 500); // Track sample usage trackEvent('sample_used', { sample_type: sampleType }); } // ========== UTILITY FUNCTIONS ========== // Format numbers with commas function formatNumber(num) { return num.toLocaleString('en-US', { minimumFractionDigits: 0, maximumFractionDigits: 0 }); } // Validate basic inputs function validateBasicInputs(initial, years, monthly, rate) { clearErrors(); let isValid = true; if (initial < 0) { showError('initialAmountError', 'Initial investment cannot be negative'); isValid = false; } if (years < 1 || years > 50) { showError('investmentYearsError', 'Investment period must be between 1 and 50 years'); isValid = false; } if (monthly < 0) { showError('monthlyContributionError', 'Monthly contribution cannot be negative'); isValid = false; } if (rate < 0 || rate > 50) { showError('annualReturnError', 'Annual return must be between 0% and 50%'); isValid = false; } if (initial === 0 && monthly === 0) { showError('initialAmountError', 'Either initial investment or monthly contribution must be greater than 0'); isValid = false; } return isValid; } // Copy investment results function copyInvestmentResults(type) { let text = ''; if (type === 'basic' && investmentState.lastCalculation) { const calc = investmentState.lastCalculation; text = `Investment Calculation Results: β€’ Initial Investment: ${formatNumber(calc.inputs.initial)} β€’ Monthly Contribution: ${formatNumber(calc.inputs.monthly)} β€’ Annual Return: ${calc.inputs.rate}% β€’ Investment Period: ${calc.inputs.years} years Results: β€’ Final Portfolio Value: ${formatNumber(calc.results.totalValue)} β€’ Total Contributions: ${formatNumber(calc.results.totalContributions)} β€’ Interest Earned: ${formatNumber(calc.results.totalInterest)} β€’ ROI: ${((calc.results.totalInterest / calc.results.totalContributions) * 100).toFixed(1)}% Calculated with WIA Pin Code Investment Calculator`; } else { text = 'Investment calculation results copied to clipboard'; } copyToClipboard(text); } // Copy to clipboard function copyToClipboard(text) { navigator.clipboard.writeText(text).then(() => { showNotification('Copied to clipboard!', 'success'); }).catch(() => { // Fallback for older browsers const textArea = document.createElement('textarea'); textArea.value = text; document.body.appendChild(textArea); textArea.select(); document.execCommand('copy'); document.body.removeChild(textArea); showNotification('Copied to clipboard!', 'success'); }); } // Show error function showError(elementId, message) { const errorElement = document.getElementById(elementId); if (errorElement) { errorElement.textContent = message; } } // Clear errors function clearErrors() { document.querySelectorAll('.error').forEach(el => el.textContent = ''); } // Show notification toast function showNotification(message, type = 'success') { const toast = document.createElement('div'); toast.className = `toast ${type}`; toast.textContent = message; document.body.appendChild(toast); setTimeout(() => { toast.remove(); }, 3000); } // Show OTA section (dynamic) function showOTA() { const otaContainer = document.getElementById('otaContainer'); if (otaContainer && (otaContainer.style.display === 'none' || !otaContainer.style.display)) { otaContainer.style.display = 'block'; // Attention-grabbing pulse effect setTimeout(() => { const otaHeader = document.querySelector('.ota-header h3'); if (otaHeader) { otaHeader.style.animation = 'pulse 1s ease-in-out'; } }, 100); } } // Analytics tracking function trackEvent(eventName, data = {}) { if (typeof gtag !== 'undefined') { gtag('event', eventName, { 'event_category': TOOL_CONFIG.category, 'event_label': TOOL_CONFIG.name, ...data }); } } // ========== AI ASSISTANT FUNCTIONS ========== // AI λͺ¨λ‹¬ μ—΄κΈ° function openAIModal() { const modal = document.getElementById('aiModal'); if(modal) modal.classList.add('show'); // ν˜„μž¬ μƒνƒœμ— 따라 μ μ ˆν•œ ν™”λ©΄ ν‘œμ‹œ if (aiModalState.apiKey && aiModalState.currentView === 'gemini') { showGeminiChat(); } else { showAISelector(); } updateAPIKeyStatus(); } // AI λͺ¨λ‹¬ λ‹«κΈ° function closeAIModal() { const modal = document.getElementById('aiModal'); if(modal) modal.classList.remove('show'); // 300ms ν›„ μƒνƒœ 리셋 (μ• λ‹ˆλ©”μ΄μ…˜ μ™„λ£Œ ν›„) setTimeout(() => { aiModalState.currentView = 'selector'; showAISelector(); }, 300); } // AI 선택 ν™”λ©΄ ν‘œμ‹œ function showAISelector() { document.getElementById('aiModalTitle').textContent = 'Choose Your AI Assistant'; document.getElementById('aiSelector').style.display = 'flex'; document.getElementById('geminiChat').style.display = 'none'; document.getElementById('apiKeySetup').style.display = 'none'; aiModalState.currentView = 'selector'; } // Gemini μ±„νŒ… ν™”λ©΄ ν‘œμ‹œ function showGeminiChat() { document.getElementById('aiModalTitle').innerHTML = '✨ Gemini AI Assistant'; document.getElementById('aiSelector').style.display = 'none'; document.getElementById('geminiChat').style.display = 'flex'; document.getElementById('apiKeySetup').style.display = 'none'; aiModalState.currentView = 'gemini'; // 초기 λ©”μ‹œμ§€κ°€ μ—†μœΌλ©΄ μΆ”κ°€ const chatMessages = document.getElementById('chatMessages'); if (!chatMessages.innerHTML.trim()) { addMessage('assistant', `Hello! I can help you with: β€’ Investment strategies and portfolio allocation β€’ Understanding compound interest and returns β€’ Retirement and financial planning β€’ Risk assessment and investment options β€’ Tax-efficient investing strategies What investment questions do you have?`); } } // API ν‚€ μ„€μ • ν™”λ©΄ ν‘œμ‹œ function showAPIKeySetup() { document.getElementById('aiModalTitle').textContent = 'Setup Gemini API'; document.getElementById('aiSelector').style.display = 'none'; document.getElementById('geminiChat').style.display = 'none'; document.getElementById('apiKeySetup').style.display = 'block'; aiModalState.currentView = 'setup'; } // AI 선택 처리 function selectAI(aiType) { switch(aiType) { case 'chatgpt': const toolContext = `I need help with investment planning and financial calculations. I'm using an Investment Calculator tool that can calculate compound interest, retirement planning, and portfolio growth. Please help me understand investment strategies, risk management, and financial planning concepts.`; const chatUrl = `https://chat.openai.com/?q=${encodeURIComponent(toolContext)}`; window.open(chatUrl, '_blank'); closeAIModal(); trackEvent('ai_selection', { ai_type: 'chatgpt' }); break; case 'claude': const claudeContext = `I need help with investment planning and financial analysis. I'm using an Investment Calculator tool for retirement planning, compound interest calculations, and portfolio growth projections. Please help me understand investment strategies, financial planning, and making informed investment decisions.`; const claudeUrl = `https://claude.ai/chat?q=${encodeURIComponent(claudeContext)}`; window.open(claudeUrl, '_blank'); closeAIModal(); trackEvent('ai_selection', { ai_type: 'claude' }); break; case 'gemini': if (!aiModalState.apiKey) { showAPIKeySetup(); } else { showGeminiChat(); } trackEvent('ai_selection', { ai_type: 'gemini' }); break; } } // API ν‚€ μ €μž₯ function saveGeminiApiKey() { const apiKey = document.getElementById('geminiApiKeyInput').value.trim(); if (apiKey) { localStorage.setItem('geminiApiKey', apiKey); aiModalState.apiKey = apiKey; showGeminiChat(); updateAPIKeyStatus(); } else { alert('Please enter a valid API key'); } } // API ν‚€ μƒνƒœ μ—…λ°μ΄νŠΈ function updateAPIKeyStatus() { const statusEl = document.getElementById('apiKeyStatus'); if (aiModalState.apiKey) { statusEl.innerHTML = 'Change API Key'; } else { statusEl.textContent = 'No API key set'; } } // μ±„νŒ… λ©”μ‹œμ§€ μΆ”κ°€ function addMessage(type, content) { const chatMessages = document.getElementById('chatMessages'); const messageDiv = document.createElement('div'); messageDiv.className = `message ${type}`; if (type === 'user') { messageDiv.innerHTML = `You: ${content}`; } else { messageDiv.innerHTML = `✨ Gemini:
${content.replace(/\n/g, '
')}`; } chatMessages.appendChild(messageDiv); chatMessages.scrollTop = chatMessages.scrollHeight; } // Gemini에 λ©”μ‹œμ§€ 전솑 async function sendToGemini() { const input = document.getElementById('geminiInput'); const message = input.value.trim(); if (!message) return; // μ‚¬μš©μž λ©”μ‹œμ§€ μΆ”κ°€ addMessage('user', message); input.value = ''; // λ‘œλ”© ν‘œμ‹œ const loadingMsg = document.createElement('div'); loadingMsg.className = 'message assistant'; loadingMsg.innerHTML = '✨ Gemini:
Thinking...'; loadingMsg.id = 'loading-message'; document.getElementById('chatMessages').appendChild(loadingMsg); try { const response = await fetch(`https://generativelanguage.googleapis.com/v1beta/models/gemini-pro:generateContent?key=${aiModalState.apiKey}`, { method: 'POST', headers: { 'Content-Type': 'application/json' }, body: JSON.stringify({ contents: [{ parts: [{ text: `Context: User is using an Investment Calculator tool on WIA Pin Code platform. The tool can calculate compound interest, retirement planning, portfolio growth, tax implications, and compare investment scenarios. WIA Pin Code is a universal address system for countries without postal codes. Investment Calculator features: - Basic calculations with compound interest - Advanced analysis with taxes and inflation - Scenario comparison - Various investment strategies (retirement, college fund, etc.) User question: ${message} Please provide helpful, accurate financial advice while noting that this is educational information and not personalized financial advice.` }] }], generationConfig: { temperature: 0.7, maxOutputTokens: 1000 } }) }); const data = await response.json(); // λ‘œλ”© λ©”μ‹œμ§€ 제거 document.getElementById('loading-message').remove(); if (data.candidates && data.candidates[0] && data.candidates[0].content) { const reply = data.candidates[0].content.parts[0].text; addMessage('assistant', reply); } else { addMessage('assistant', 'Sorry, I could not generate a response. Please try again.'); } } catch (error) { // λ‘œλ”© λ©”μ‹œμ§€ 제거 document.getElementById('loading-message')?.remove(); if (error.message.includes('API key')) { addMessage('error', 'Invalid API key. Please check your API key and try again.'); showAPIKeySetup(); } else { addMessage('error', 'Failed to connect to Gemini. Please check your internet connection and try again.'); } } } // ========== EVENT LISTENERS ========== // Enter key support for inputs document.addEventListener('DOMContentLoaded', function() { // Enter key support for basic inputs ['initialAmount', 'investmentYears', 'monthlyContribution', 'annualReturn'].forEach(id => { const element = document.getElementById(id); if (element) { element.addEventListener('keypress', function(e) { if (e.key === 'Enter') { calculateInvestment(); } }); element.addEventListener('input', clearErrors); } }); // AI λ²„νŠΌ 이벀트 document.getElementById('aiBtn').addEventListener('click', openAIModal); // λͺ¨λ‹¬ μ™ΈλΆ€ ν΄λ¦­μ‹œ λ‹«κΈ° document.getElementById('aiModal').addEventListener('click', function(e) { if (e.target === this) { closeAIModal(); } }); // μ—”ν„° ν‚€ 지원 및 ESC ν‚€λ‘œ λͺ¨λ‹¬ λ‹«κΈ° document.addEventListener('keydown', function(e) { if (e.key === 'Enter') { const geminiInput = document.getElementById('geminiInput'); if (document.activeElement === geminiInput) { sendToGemini(); } } // ESC ν‚€λ‘œ λͺ¨λ‹¬ λ‹«κΈ° if (e.key === 'Escape') { closeAIModal(); } }); // 초기 API ν‚€ μƒνƒœ μ—…λ°μ΄νŠΈ updateAPIKeyStatus(); updateCurrentYear(); updateToolCount(); }); // ========== DYNAMIC TOOL COUNT ========== // Update tool count dynamically async function updateToolCount() { try { const response = await fetch('/api/tool-count.php'); const data = await response.json(); // Update dynamic tools description document.querySelectorAll('.dynamic-tools-count').forEach(el => { el.textContent = `${data.count}+ free online tools in 211 languages. No signup, no fees, just tools that work.`; }); // Update "All X+ Tools" links document.querySelectorAll('.dynamic-count').forEach(el => { const prefix = el.getAttribute('data-text') || ''; const suffix = el.getAttribute('data-suffix') || ''; const icon = el.textContent.split(' ')[0] || ''; el.textContent = `${icon} ${prefix} ${data.count}+ ${suffix}`; }); } catch (error) { // Fallback: use current actual count from server const fallbackCount = 333; document.querySelectorAll('.dynamic-tools-count').forEach(el => { el.textContent = `${fallbackCount}+ free online tools in 211 languages. No signup, no fees, just tools that work.`; }); document.querySelectorAll('.dynamic-count').forEach(el => { const prefix = el.getAttribute('data-text') || ''; const suffix = el.getAttribute('data-suffix') || ''; const icon = el.textContent.split(' ')[0] || ''; el.textContent = `${icon} ${prefix} ${fallbackCount}+ ${suffix}`; }); console.log('Tool count API not available, using current count:', fallbackCount); } } // Update current year dynamically function updateCurrentYear() { const currentYear = new Date().getFullYear(); document.querySelectorAll('.current-year').forEach(el => { el.textContent = currentYear; }); } // ========== ANALYTICS ========== // Google Analytics window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} gtag('js', new Date()); gtag('config', 'G-XXXXXXXXX'); // Track page view trackEvent('page_view', { tool: TOOL_CONFIG.name, category: TOOL_CONFIG.category });