LEVADIS® Haushaltsrechner

Ein smarter Überblick über dein Geld – mit Spar-Szenarien von „sanft“ bis „radikal“. Keine Registrierung, keine Datenübertragung – alles bleibt auf deinem Gerät.

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/* ----------------------------------------------------- FORMAT-HILFSFUNKTION (EUR) ------------------------------------------------------ */ function fmtCurrency(value) { if (isNaN(value) || !isFinite(value)) value = 0; try { return new Intl.NumberFormat('de-AT', { style: 'currency', currency: 'EUR', minimumFractionDigits: 0, maximumFractionDigits: 2 }).format(value); } catch (e) { return value.toFixed(2) + ' €'; } } /* ----------------------------------------------------- LOCAL STORAGE KEY ------------------------------------------------------ */ const STORAGE_KEY = "levadis_haushaltsrechner_v2"; /* ----------------------------------------------------- DEFAULT MODELL MIT STANDARDWERTEN ------------------------------------------------------ */ const defaultModel = { userName: "", incomes: [ { name: "Gehalt 1", amount: 2500, mode: "m14" }, { name: "Gehalt 2", amount: 0, mode: "m12" }, { name: "Familienbeihilfe / Sozialleistungen", amount: 0, mode: "m12" } ], expenses: { fixedNecessary: [ { name: "Miete", amount: 900, period: "month", score: 5 }, { name: "Betriebskosten", amount: 200, period: "month", score: 4 }, { name: "Strom", amount: 80, period: "month", score: 4 }, { name: "Heizung / Gas / Fernwärme", amount: 80, period: "month", score: 4 }, { name: "Haushaltsversicherung", amount: 25, period: "month", score: 4 }, { name: "Krankenversicherung", amount: 0, period: "month", score: 5 }, { name: "Öffi-Ticket", amount: 50, period: "month", score: 4 }, { name: "KFZ – Versicherung / Steuer", amount: 0, period: "year", score: 4 }, { name: "Kinderbetreuung / Schule", amount: 0, period: "month", score: 4 } ], fixedOptional: [ { name: "Handyvertrag(e) Premium", amount: 60, period: "month", score: 3 }, { name: "Internet (Premium)", amount: 20, period: "month", score: 3 }, { name: "Streamingdienste", amount: 40, period: "month", score: 2 }, { name: "Fitnessstudio", amount: 30, period: "month", score: 2 }, { name: "Mitgliedschaften / Vereine", amount: 20, period: "month", score: 2 }, { name: "Zeitungen / Magazine / Apps", amount: 20, period: "month", score: 2 } ], variable: [ { name: "Lebensmittel", amount: 450, period: "month", score: 4 }, { name: "Restaurants / Cafés", amount: 120, period: "month", score: 2 }, { name: "Freizeit / Hobbys", amount: 100, period: "month", score: 2 }, { name: "Kleidung / Schuhe", amount: 80, period: "month", score: 2 }, { name: "Urlaub / Reisen", amount: 1200, period: "year", score: 2 }, { name: "Spontankäufe / Sonstiges", amount: 80, period: "month", score: 2 } ], debts: [ { name: "Kreditrate Konsumkredit", amount: 0, period: "month", score: 5 }, { name: "Kreditrate Auto", amount: 0, period: "month", score: 5 } ], savings: [ { name: "Notgroschen / Rücklagen", amount: 100, period: "month", score: 4 }, { name: "Sparen für Ziel A/B/C", amount: 0, period: "month", score: 3 } ] } }; /* ----------------------------------------------------- MODEL LADEN / SPEICHERN ------------------------------------------------------ */ function clone(obj) { return JSON.parse(JSON.stringify(obj)); } function loadModel() { try { const raw = localStorage.getItem(STORAGE_KEY); if (!raw) return clone(defaultModel); const parsed = JSON.parse(raw); const merged = clone(defaultModel); Object.assign(merged, parsed); merged.expenses = Object.assign({}, defaultModel.expenses, parsed.expenses || {}); return merged; } catch (e) { return clone(defaultModel); } } function saveModel() { try { localStorage.setItem(STORAGE_KEY, JSON.stringify(model)); } catch (e) { console.warn("Speichern nicht möglich:", e); } } let model = loadModel(); /* ----------------------------------------------------- TABELLEN-ELEMENTE REFERENZEN ------------------------------------------------------ */ const incomeTableBody = document.querySelector("#incomeTable tbody"); const fixedNecessaryTableBody = document.querySelector("#fixedNecessaryTable tbody"); const fixedOptionalTableBody = document.querySelector("#fixedOptionalTable tbody"); const variableTableBody = document.querySelector("#variableTable tbody"); const debtsTableBody = document.querySelector("#debtsTable tbody"); const savingsTableBody = document.querySelector("#savingsTable tbody"); /* ----------------------------------------------------- TABELLEN RENDERN ------------------------------------------------------ */ function renderTableRows() { /* ------------------ EINNAHMEN ------------------ */ incomeTableBody.innerHTML = ""; model.incomes.forEach((inc, index) => { const tr = document.createElement("tr"); tr.innerHTML = ` Monatlich (12×) Monatlich (14×) Jährlicher Betrag − `; incomeTableBody.appendChild(tr); }); /* ---------------- AUSGABEN-GENERIERUNG ---------------- */ function renderExpenseRows(tbody, list, categoryKey) { tbody.innerHTML = ""; list.forEach((item, index) => { const tr = document.createElement("tr"); tr.innerHTML = ` Monat Jahr ${[1,2,3,4,5].map(s => `${s}`).join("")} − `; tbody.appendChild(tr); }); } renderExpenseRows(fixedNecessaryTableBody, model.expenses.fixedNecessary, "fixedNecessary"); renderExpenseRows(fixedOptionalTableBody, model.expenses.fixedOptional, "fixedOptional"); renderExpenseRows(variableTableBody, model.expenses.variable, "variable"); renderExpenseRows(debtsTableBody, model.expenses.debts, "debts"); renderExpenseRows(savingsTableBody, model.expenses.savings, "savings"); } /* ----------------------------------------------------- MONATS-/JAHRES-UMRECHNUNG ------------------------------------------------------ */ function incomeToMonthlyYearly(inc) { const amount = Number(inc.amount) || 0; let monthly = 0, yearly = 0; if (inc.mode === "m12") { monthly = amount; yearly = amount * 12; } else if (inc.mode === "m14") { monthly = amount; yearly = amount * 14; } else { yearly = amount; monthly = amount / 12; } return { monthly, yearly }; } function expenseToMonthly(item) { const amount = Number(item.amount) || 0; return item.period === "year" ? amount / 12 : amount; } /* ----------------------------------------------------- GESAMT-SUMMEN & SZENARIEN RECHNEN ------------------------------------------------------ */ function calculateTotals() { let incomeMonthly = 0; let incomeYearly = 0; model.incomes.forEach(i => { const { monthly, yearly } = incomeToMonthlyYearly(i); incomeMonthly += monthly; incomeYearly += yearly; }); function sumCat(list) { return list.reduce((acc, item) => acc + expenseToMonthly(item), 0); } const fixedA = sumCat(model.expenses.fixedNecessary); const fixedB = sumCat(model.expenses.fixedOptional); const variable = sumCat(model.expenses.variable); const debts = sumCat(model.expenses.debts); const savings = sumCat(model.expenses.savings); const monthlyExpenses = fixedA + fixedB + variable + debts + savings; const yearlyExpenses = monthlyExpenses * 12; const saldoYear = incomeYearly - yearlyExpenses; /* Szenario-Faktoren */ const factors = { soft: {1:0.30, 2:0.20, 3:0.10, 4:0.00, 5:0.00}, medium: {1:0.60, 2:0.50, 3:0.30, 4:0.10, 5:0.00}, hard: {1:1.00, 2:0.80, 3:0.50, 4:0.30, 5:0.10} }; function scenarioReduce(list, key) { return list.reduce((sum, item) => { const base = expenseToMonthly(item); const score = Number(item.score) || 3; return sum + base * (factors[key][score] || 0); }, 0); } /* Nur diese Kategorien werden gekürzt */ const scenarioMonthly = { soft: scenarioReduce(model.expenses.fixedNecessary, "soft") + scenarioReduce(model.expenses.fixedOptional, "soft") + scenarioReduce(model.expenses.variable, "soft"), medium: scenarioReduce(model.expenses.fixedNecessary, "medium") + scenarioReduce(model.expenses.fixedOptional, "medium") + scenarioReduce(model.expenses.variable, "medium"), hard: scenarioReduce(model.expenses.fixedNecessary, "hard") + scenarioReduce(model.expenses.fixedOptional, "hard") + scenarioReduce(model.expenses.variable, "hard") }; return { incomeMonthly, incomeYearly, yearlyExpenses, saldoYear, scenarioMonthly, scenarioYearly: { soft: scenarioMonthly.soft * 12, medium: scenarioMonthly.medium * 12, hard: scenarioMonthly.hard * 12 }, category: { fixedA, fixedB, variable, debts, savings } }; } /* ----------------------------------------------------- UI AKTUALISIEREN ------------------------------------------------------ */ function updateSummaryUI() { const t = calculateTotals(); /* Einnahmen */ document.getElementById("incomeMonthlySum").textContent = fmtCurrency(t.incomeMonthly); document.getElementById("incomeYearlySum").textContent = fmtCurrency(t.incomeYearly); /* Kategorien */ document.getElementById("fixedNecessaryMonthlySum").textContent = fmtCurrency(t.category.fixedA); document.getElementById("fixedOptionalMonthlySum").textContent = fmtCurrency(t.category.fixedB); document.getElementById("variableMonthlySum").textContent = fmtCurrency(t.category.variable); document.getElementById("debtsMonthlySum").textContent = fmtCurrency(t.category.debts); document.getElementById("savingsMonthlySum").textContent = fmtCurrency(t.category.savings); /* Jahres-Summen */ document.getElementById("sumIncomeYear").textContent = fmtCurrency(t.incomeYearly); document.getElementById("sumExpensesYear").textContent = fmtCurrency(t.yearlyExpenses); document.getElementById("saldoYear").textContent = fmtCurrency(t.saldoYear); /* Szenarien */ document.getElementById("softMonth").textContent = fmtCurrency(t.scenarioMonthly.soft); document.getElementById("softYear").textContent = fmtCurrency(t.scenarioYearly.soft); document.getElementById("mediumMonth").textContent = fmtCurrency(t.scenarioMonthly.medium); document.getElementById("mediumYear").textContent = fmtCurrency(t.scenarioYearly.medium); document.getElementById("hardMonth").textContent = fmtCurrency(t.scenarioMonthly.hard); document.getElementById("hardYear").textContent = fmtCurrency(t.scenarioYearly.hard); /* Sanft-Szenario – Text ersetzen */ const softText = document.getElementById("softText"); softText.textContent = `Im sanften Szenario würdest du ohne große Einschränkungen etwa ${fmtCurrency(t.scenarioMonthly.soft)} pro Monat ` + `freispielen. Das sind jährlich ${fmtCurrency(t.scenarioYearly.soft)} frei verfügbar – damit kannst du auf etwas ` + `ansparen, dir einen Puffer aufbauen oder dir andere schöne Dinge gönnen. Wenn du Kreditraten hast, kann dieser ` + `Betrag auch helfen, deine finanziellen Verpflichtungen spürbar zu reduzieren.`; } /* Block 4 folgt … */ /* ----------------------------------------------------- TABELLE → INPUT CHANGE HANDLING ------------------------------------------------------ */ function onTableInputChange(e) { const el = e.target; const type = el.dataset.type; const field = el.dataset.field; const index = parseInt(el.dataset.index, 10); if (!type || isNaN(index)) return; if (type === "income") { if (field === "name") model.incomes[index].name = el.value; if (field === "amount") model.incomes[index].amount = Number(el.value) || 0; if (field === "mode") model.incomes[index].mode = el.value; } else { const list = model.expenses[type]; if (!list) return; if (field === "name") list[index].name = el.value; if (field === "amount") list[index].amount = Number(el.value) || 0; if (field === "period") list[index].period = el.value; if (field === "score") list[index].score = Number(el.value) || 3; } saveModel(); updateSummaryUI(); } /* ----------------------------------------------------- TABELLE → BUTTON EVENTS (REMOVE) ------------------------------------------------------ */ function onTableButtonClick(e) { const btn = e.target.closest("button"); if (!btn) return; const action = btn.dataset.action; const index = parseInt(btn.dataset.index, 10); const category = btn.dataset.category; if (!action) return; /* Einnahme entfernen */ if (action === "remove-income") { model.incomes.splice(index, 1); /* Wenn alle weg → eine leere Zeile erzeugen */ if (model.incomes.length === 0) { model.incomes.push({ name: "Einnahme", amount: 0, mode: "m12" }); } } /* Ausgaben entfernen */ if (action === "remove-expense" && category) { if (model.expenses[category]) { model.expenses[category].splice(index, 1); } } saveModel(); renderTableRows(); updateSummaryUI(); } function updateQuiz() { const rows = document.querySelectorAll("#quizTable tbody tr"); let totalDiff = 0; // Summe der theoretisch möglichen Einsparung pro Einheit let totalPaid = 0; // Summe der aktuell gezahlten Preise rows.forEach(row => { const low = parseFloat(row.dataset.low); const high = parseFloat(row.dataset.high); const input = row.querySelector("input.quiz-price"); const saveCell = row.querySelector(".quiz-save"); if (!input || !saveCell || isNaN(low) || isNaN(high)) return; const raw = (input.value || "").replace(",", "."); const val = parseFloat(raw); if (isNaN(val) || val <= 0) { saveCell.textContent = "–"; return; } // Summe der gezahlten Preise totalPaid += val; const diff = val - low; if (diff <= 0) { saveCell.textContent = "Du liegst bereits im günstigen Bereich."; return; } totalDiff += diff; const span = high - low; let hint; if (diff < span * 0.3) { hint = "leicht teurer – kleines Sparpotential."; } else if (diff 0 && totalDiff > 0) { relativePotential = totalDiff / totalPaid; if (relativePotential > 1) relativePotential = 1; } // Lebensmittel-Monatsbudget aus der Kategorie "variable" → Position "Lebensmittel" let lebensmittelMonthly = 0; try { const list = (model.expenses && model.expenses.variable) ? model.expenses.variable : []; const item = list.find(it => (it.name || "").toLowerCase().startsWith("lebensmittel")); if (item) { lebensmittelMonthly = expenseToMonthly(item); // Funktion aus Block 3 } } catch (e) { console.warn("Konnte Lebensmittel-Budget nicht auslesen:", e); } // theoretisches Sparpotential auf das gesamte Lebensmittelbudget const theoreticalMonthly = lebensmittelMonthly * relativePotential; // Drei Szenarien: sanft ~30 %, spürbar ~60 %, radikal ~100 % des theoretischen Potentials const factorSoft = 0.30; const factorMedium = 0.60; const factorHard = 1.00; const softMonth = theoreticalMonthly * factorSoft; const mediumMonth = theoreticalMonthly * factorMedium; const hardMonth = theoreticalMonthly * factorHard; const softYear = softMonth * 12; const mediumYear = mediumMonth * 12; const hardYear = hardMonth * 12; // Werte ins UI schreiben document.getElementById("quizSoftMonth").textContent = fmtCurrency(softMonth); document.getElementById("quizSoftYear").textContent = fmtCurrency(softYear); document.getElementById("quizMediumMonth").textContent = fmtCurrency(mediumMonth); document.getElementById("quizMediumYear").textContent = fmtCurrency(mediumYear); document.getElementById("quizHardMonth").textContent = fmtCurrency(hardMonth); document.getElementById("quizHardYear").textContent = fmtCurrency(hardYear); } /* ----------------------------------------------------- PDF EXPORT ------------------------------------------------------ */ async function downloadPdf() { const { jsPDF } = window.jspdf; const doc = new jsPDF(); const t = calculateTotals(); const userName = model.userName ? ` – ${model.userName}` : ""; let y = 14; doc.setFont("helvetica", "bold"); doc.setFontSize(14); doc.text(`LEVADIS® Haushalts-Summary${userName}`, 14, y); y += 8; doc.setFontSize(10); doc.setFont("helvetica", "normal"); doc.text(`Jahres-Einnahmen: ${fmtCurrency(t.incomeYearly)}`, 14, y); y += 5; doc.text(`Jahres-Ausgaben (Ist): ${fmtCurrency(t.yearlyExpenses)}`, 14, y); y += 5; doc.text(`Saldo (Ist): ${fmtCurrency(t.saldoYear)}`, 14, y); y += 8; doc.setFont("helvetica", "bold"); doc.text("Spar-Szenarien:", 14, y); y += 6; doc.setFont("helvetica", "normal"); doc.text(`Sanft: ${fmtCurrency(t.scenarioMonthly.soft)} / Monat – ${fmtCurrency(t.scenarioYearly.soft)} / Jahr`, 14, y); y += 5; doc.text(`Spürbar: ${fmtCurrency(t.scenarioMonthly.medium)} / Monat – ${fmtCurrency(t.scenarioYearly.medium)} / Jahr`, 14, y); y += 5; doc.text(`Radikal: ${fmtCurrency(t.scenarioMonthly.hard)} / Monat – ${fmtCurrency(t.scenarioYearly.hard)} / Jahr`, 14, y); y += 10; const sanft = `Im sanften Szenario würdest du ohne große Einschränkungen etwa ${fmtCurrency(t.scenarioMonthly.soft)} pro Monat freispielen. ` + `Das sind jährlich ${fmtCurrency(t.scenarioYearly.soft)} frei verfügbar – damit kannst du ansparen, einen Puffer aufbauen ` + `oder dir andere schöne Dinge gönnen. Wenn du Kreditraten hast, kann dieser Betrag helfen, Verpflichtungen spürbar zu reduzieren.`; const wrapped = doc.splitTextToSize(sanft, 180); doc.text(wrapped, 14, y); y += wrapped.length * 4 + 4; doc.setFontSize(8); doc.setTextColor(120); doc.text("Hinweis: Alle Werte sind Schätzungen auf Basis deiner Eingaben.", 14, y); doc.save("levadis-haushalts-summary.pdf"); } /* ----------------------------------------------------- EVENTHANDLER / INITIALISIERUNG ------------------------------------------------------ */ function attachEvents() { /* Name speichern */ const nameInput = document.getElementById("userName"); nameInput.value = model.userName; nameInput.addEventListener("input", () => { model.userName = nameInput.value; saveModel(); }); /* Tabellen -> Input Events */ [ incomeTableBody, fixedNecessaryTableBody, fixedOptionalTableBody, variableTableBody, debtsTableBody, savingsTableBody ].forEach(tbody => { tbody.addEventListener("input", onTableInputChange); tbody.addEventListener("change", onTableInputChange); tbody.addEventListener("click", onTableButtonClick); }); /* ADD Buttons */ document.getElementById("addIncomeBtn").addEventListener("click", () => { model.incomes.push({ name: "Weitere Einnahme", amount: 0, mode: "m12" }); saveModel(); renderTableRows(); updateSummaryUI(); }); document.getElementById("addFixedNecessaryBtn").addEventListener("click", () => { model.expenses.fixedNecessary.push({ name: "Neue Position", amount: 0, period: "month", score: 5 }); saveModel(); renderTableRows(); updateSummaryUI(); }); document.getElementById("addFixedOptionalBtn").addEventListener("click", () => { model.expenses.fixedOptional.push({ name: "Neue Position", amount: 0, period: "month", score: 3 }); saveModel(); renderTableRows(); updateSummaryUI(); }); document.getElementById("addVariableBtn").addEventListener("click", () => { model.expenses.variable.push({ name: "Neue Position", amount: 0, period: "month", score: 3 }); saveModel(); renderTableRows(); updateSummaryUI(); }); document.getElementById("addDebtBtn").addEventListener("click", () => { model.expenses.debts.push({ name: "Neue Position", amount: 0, period: "month", score: 5 }); saveModel(); renderTableRows(); updateSummaryUI(); }); document.getElementById("addSavingBtn").addEventListener("click", () => { model.expenses.savings.push({ name: "Neue Position", amount: 0, period: "month", score: 4 }); saveModel(); renderTableRows(); updateSummaryUI(); }); /* RESET */ document.getElementById("resetBtn").addEventListener("click", () => { if (!confirm("Alle Eingaben auf Standardwerte zurücksetzen?")) return; localStorage.removeItem(STORAGE_KEY); model = clone(defaultModel); nameInput.value = ""; renderTableRows(); updateSummaryUI(); saveModel(); }); /* ALLES LÖSCHEN */ document.getElementById("clearAllBtn").addEventListener("click", () => { if (!confirm("Möchtest du wirklich ALLE Eingaben löschen?")) return; localStorage.removeItem(STORAGE_KEY); model = { userName: "", incomes: [{ name: "Einnahme", amount: 0, mode: "m12" }], expenses: { fixedNecessary: [], fixedOptional: [], variable: [], debts: [], savings: [] } }; nameInput.value = ""; renderTableRows(); updateSummaryUI(); saveModel(); }); /* Accordion */ document.querySelectorAll(".lev-toggle-btn").forEach(btn => { btn.addEventListener("click", () => { const tgt = document.getElementById(btn.dataset.target); const collapsed = tgt.classList.toggle("collapsed"); btn.querySelector(".icon").textContent = collapsed ? "▸" : "▾"; }); }); /* PDF */ document.getElementById("pdfBtn").addEventListener("click", downloadPdf); /* Quiz */ const quizTable = document.getElementById("quizTable"); quizTable.addEventListener("input", updateQuiz); quizTable.addEventListener("change", updateQuiz); } /* ----------------------------------------------------- START ------------------------------------------------------ */ renderTableRows(); updateSummaryUI(); attachEvents(); updateQuiz();