@extends('layouts.app')
@section('title', 'Kredit Rechner – Zinsen & Rate berechnen | kotsch.tech')
@section('meta_description', 'Kredit Rechner kostenlos: Monatliche Rate, Gesamtzinsen und Tilgungsplan berechnen. Einfacher Kreditrechner für Darlehen, Autokredit und mehr.')
@section('meta_extra')
<meta name="keywords" content="Kredit Rechner, Zinsen berechnen, Rate berechnen, Kreditrechner, Darlehen berechnen, Monatliche Rate, Autokredit Rechner, Tilgungsplan">
@endsection
@section('content')
@include('tools._tool_base')
<style>
.payoff-bar-wrap { height: 12px; border-radius: 999px; overflow: hidden; background: var(--line); margin: 12px 0 6px; }
.payoff-bar-tilg { height: 100%; background: var(--accent); border-radius: 999px; transition: width 0.5s; }
.tp-table { width: 100%; border-collapse: collapse; font-size: 0.82rem; }
.tp-table th { text-align: left; padding: 8px 10px; color: var(--muted); font-weight: 800; font-size: 0.72rem; text-transform: uppercase; letter-spacing: 1px; border-bottom: 2px solid var(--line); }
.tp-table td { padding: 9px 10px; border-bottom: 1px solid var(--line); font-weight: 600; color: var(--ink); }
.tp-table tr:last-child td { border-bottom: none; }
.tp-table td:not(:first-child) { font-family: 'JetBrains Mono', monospace; }
</style>

<div class="tool-page">
<div class="tool-container">
    <div class="tool-header">
        <span class="t-tag"><i class="fas fa-hand-holding-dollar"></i> Finanzen</span>
        <h1 class="tool-h1">Kredit<br><span>berechnen.</span></h1>
        <p class="tool-sub">Rate, Zinsen und Tilgungsplan – alles live auf einen Blick.</p>
    </div>

    <div class="t-panel">
        <div class="t-grid-2">
            <div class="t-field">
                <label class="t-label">Kreditbetrag (€)</label>
                <input type="number" class="t-input" id="amount" placeholder="z.B. 10000" value="10000" min="0" oninput="calc()">
            </div>
            <div class="t-field">
                <label class="t-label">Jahreszins (%)</label>
                <input type="number" class="t-input" id="rate" placeholder="z.B. 5.5" value="5.5" min="0" step="0.01" oninput="calc()">
            </div>
            <div class="t-field">
                <label class="t-label">Laufzeit (Monate)</label>
                <input type="number" class="t-input" id="months" placeholder="z.B. 60" value="60" min="1" oninput="calc()">
            </div>
            <div class="t-field">
                <label class="t-label">Laufzeit alternativ (Jahre)</label>
                <input type="number" class="t-input" id="years" placeholder="z.B. 5" min="0" step="0.5" oninput="syncYears()">
            </div>
        </div>
    </div>

    <div id="res-panel" style="display:none">
        <div class="t-panel">
            <div class="t-panel-title"><i class="fas fa-chart-bar"></i> Ergebnis</div>
            <div class="t-grid-2">
                <div class="t-stat-card accent">
                    <div class="t-stat-num" id="r-monthly">–</div>
                    <div class="t-stat-lbl">Monatliche Rate</div>
                </div>
                <div class="t-stat-card">
                    <div class="t-stat-num" id="r-total">–</div>
                    <div class="t-stat-lbl">Gesamtzahlung</div>
                </div>
                <div class="t-stat-card">
                    <div class="t-stat-num" id="r-interest">–</div>
                    <div class="t-stat-lbl">Gesamtzinsen</div>
                </div>
                <div class="t-stat-card">
                    <div class="t-stat-num" id="r-ratio">–</div>
                    <div class="t-stat-lbl">Zinsanteil</div>
                </div>
            </div>
            <div style="margin-top:14px">
                <div style="display:flex;justify-content:space-between;font-size:0.78rem;font-weight:700;color:var(--muted)">
                    <span>Tilgung</span><span>Zinsen</span>
                </div>
                <div class="payoff-bar-wrap">
                    <div class="payoff-bar-tilg" id="payoff-bar"></div>
                </div>
                <div style="display:flex;justify-content:space-between;font-size:0.75rem;color:var(--muted)">
                    <span id="payoff-pct-tilg">–</span>
                    <span id="payoff-pct-int">–</span>
                </div>
            </div>
        </div>

        <div class="t-panel">
            <div class="t-panel-title"><i class="fas fa-table"></i> Tilgungsplan (erste 12 Monate)</div>
            <div style="overflow-x:auto">
                <table class="tp-table" id="tp-table">
                    <thead>
                        <tr>
                            <th>Monat</th>
                            <th>Rate</th>
                            <th>Zinsen</th>
                            <th>Tilgung</th>
                            <th>Restschuld</th>
                        </tr>
                    </thead>
                    <tbody id="tp-body"></tbody>
                </table>
            </div>
            <div class="t-info" id="tp-more" style="text-align:center;margin-top:10px"></div>
        </div>
    </div>
</div>
@include('tools._ads_banner')
</div>

<script>
const eur = n => n.toLocaleString('de-DE', {style:'currency', currency:'EUR', maximumFractionDigits:2});
const pct = n => n.toFixed(1).replace('.',',') + ' %';
function syncYears() {
    const y = parseFloat(document.getElementById('years').value);
    if (!isNaN(y)) document.getElementById('months').value = Math.round(y * 12);
    calc();
}
function calc() {
    const P = parseFloat(document.getElementById('amount').value);
    const r = parseFloat(document.getElementById('rate').value) / 100 / 12;
    const n = parseInt(document.getElementById('months').value);
    document.getElementById('years').value = n ? (n / 12).toFixed(2) : '';
    if (!P || !n || P <= 0 || n <= 0) { document.getElementById('res-panel').style.display = 'none'; return; }
    const monthly  = r > 0 ? P * r * Math.pow(1+r,n) / (Math.pow(1+r,n)-1) : P/n;
    const total    = monthly * n;
    const interest = total - P;
    const ratio    = interest / total * 100;
    document.getElementById('r-monthly').textContent   = eur(monthly);
    document.getElementById('r-total').textContent     = eur(total);
    document.getElementById('r-interest').textContent  = eur(interest);
    document.getElementById('r-ratio').textContent     = pct(ratio);
    const tilgPct = 100 - ratio;
    document.getElementById('payoff-bar').style.width        = tilgPct + '%';
    document.getElementById('payoff-pct-tilg').textContent   = pct(tilgPct);
    document.getElementById('payoff-pct-int').textContent    = pct(ratio);
    const tbody = document.getElementById('tp-body');
    tbody.innerHTML = '';
    let balance = P;
    const rows  = Math.min(12, n);
    for (let i = 1; i <= rows; i++) {
        const zins  = balance * r;
        const tilg  = monthly - zins;
        balance    -= tilg;
        const tr    = document.createElement('tr');
        tr.innerHTML = `<td>${i}</td><td>${eur(monthly)}</td><td>${eur(zins)}</td><td>${eur(tilg)}</td><td>${eur(Math.max(0,balance))}</td>`;
        tbody.appendChild(tr);
    }
    document.getElementById('tp-more').textContent = n > 12 ? `Zeige 12 von ${n} Monaten` : '';
    document.getElementById('res-panel').style.display = 'block';
}
calc();
</script>

@include('tools._seo_content', ['toolSlug' => 'kredit-rechner', 'toolName' => 'Kredit Rechner'])

@endsection