@extends('layouts.app')
@section('title', 'Rente Rechner – Altersvorsorge & Zinseszins berechnen | kotsch.tech')
@section('meta_description', 'Rente Rechner kostenlos: Altersvorsorge mit Zinseszins berechnen. Endkapital, Einzahlungen und Zinsgewinn auf einen Blick – einfach und schnell.')
@section('meta_extra')
<meta name="keywords" content="Rente Rechner, Altersvorsorge Rechner, Zinseszins Rechner, Sparrechner, Kapital berechnen, Zinsen berechnen, ETF Rechner, Rentenplanung">
@endsection
@section('content')
<style>
    :root { --ink: #0f172a; --muted: #64748b; --line: #e2e8f0; --accent: #059669; --accent2: #0d9488; }
    .tool-page { min-height: 100vh; background: linear-gradient(135deg, #ecfdf5 0%, #fff 60%); padding-top: 92px; font-family: 'Plus Jakarta Sans', sans-serif; color: var(--ink); }
    .tool-container { width: min(100% - 40px, 720px); margin: 0 auto; padding: 24px 0 60px; }
    .tag { display: inline-flex; padding: 7px 12px; border-radius: 999px; background: rgba(5,150,105,0.12); color: #065f46; font-size: 0.72rem; font-weight: 900; letter-spacing: 1.5px; text-transform: uppercase; }
    h1.tool-h1 { margin: 18px 0 10px; font-size: clamp(2.1rem, 7vw, 4rem); line-height: 0.95; letter-spacing: -2px; font-weight: 800; }
    .tool-page p.sub { color: var(--muted); line-height: 1.7; margin: 0 0 28px; }
    .panel { background: #fff; border: 1px solid var(--line); border-radius: 22px; padding: 28px; box-shadow: 0 24px 60px -32px rgba(15,23,42,0.18); margin-bottom: 16px; }
    .grid2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
    .field { margin-bottom: 4px; }
    .field label { display: block; font-weight: 700; margin-bottom: 8px; font-size: 0.9rem; }
    .field input { width: 100%; min-height: 50px; border: 1px solid var(--line); border-radius: 12px; padding: 0 14px; font: inherit; font-size: 1rem; outline: 0; box-sizing: border-box; }
    .field input:focus { border-color: var(--accent); outline: 4px solid rgba(5,150,105,0.12); }
    .result-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-bottom: 24px; }
    .rc { background: #f8fafc; border-radius: 14px; padding: 18px 14px; text-align: center; border: 1px solid var(--line); }
    .rc.main { background: rgba(5,150,105,0.08); border-color: rgba(5,150,105,0.25); }
    .rc-val { font-size: 1.35rem; font-weight: 900; color: var(--accent); letter-spacing: -0.5px; }
    .rc.main .rc-val { font-size: 1.6rem; }
    .rc-lbl { font-size: 0.75rem; color: var(--muted); font-weight: 700; margin-top: 4px; text-transform: uppercase; letter-spacing: 0.6px; }
    .chart-wrap { margin: 20px 0 8px; }
    .chart-title { font-size: 0.8rem; font-weight: 800; text-transform: uppercase; letter-spacing: 1px; color: var(--muted); margin-bottom: 14px; }
    .bar-group { display: flex; gap: 16px; align-items: flex-end; height: 140px; margin-bottom: 8px; }
    .bar-col { display: flex; flex-direction: column; align-items: center; gap: 6px; flex: 1; }
    .bar { width: 100%; border-radius: 10px 10px 0 0; transition: height 0.5s cubic-bezier(0.4,0,0.2,1); min-height: 4px; }
    .bar.einz { background: linear-gradient(180deg, #34d399, #059669); }
    .bar.zins { background: linear-gradient(180deg, #6ee7b7, #10b981); opacity: 0.7; }
    .bar-label { font-size: 0.78rem; font-weight: 700; color: var(--muted); text-align: center; }
    .bar-val { font-size: 0.8rem; font-weight: 900; color: var(--ink); text-align: center; }
    .table-wrap { overflow-x: auto; margin-top: 4px; }
    .breakdown-table { width: 100%; border-collapse: collapse; font-size: 0.87rem; }
    .breakdown-table th { text-align: right; padding: 9px 8px; font-size: 0.75rem; font-weight: 800; text-transform: uppercase; letter-spacing: 0.7px; color: var(--muted); border-bottom: 2px solid var(--line); }
    .breakdown-table th:first-child { text-align: left; }
    .breakdown-table td { padding: 9px 8px; text-align: right; border-bottom: 1px solid var(--line); font-weight: 600; }
    .breakdown-table td:first-child { text-align: left; color: var(--muted); }
    .breakdown-table tr.sep td { border-top: 2px dashed var(--line); color: var(--muted); font-style: italic; font-size: 0.78rem; padding: 4px 8px; }
    .breakdown-table tr:last-child td { border-bottom: none; font-weight: 900; color: var(--accent); }
    .section-label { font-size: 0.78rem; font-weight: 800; text-transform: uppercase; letter-spacing: 1px; color: var(--muted); margin-bottom: 16px; }
    @media(max-width:560px){ .grid2 { grid-template-columns: 1fr; } .result-cards { grid-template-columns: 1fr; } }
</style>

<div class="tool-page"><div class="tool-container">
    <section style="margin-bottom:28px">
        <span class="tag">Finanzen</span>
        <h1 class="tool-h1">Rente berechnen.</h1>
        <p class="sub">Wie viel wächst dein Kapital? Berechne Zinseszins mit monatlichen Einzahlungen.</p>
    </section>

    <div class="panel">
        <div class="grid2">
            <div class="field">
                <label>Startkapital (€)</label>
                <input type="number" id="start" placeholder="z.B. 10 000" value="10000" min="0" oninput="calc()">
            </div>
            <div class="field">
                <label>Monatliche Einzahlung (€)</label>
                <input type="number" id="monthly" placeholder="z.B. 200" value="200" min="0" oninput="calc()">
            </div>
            <div class="field">
                <label>Zinssatz pro Jahr (%)</label>
                <input type="number" id="interest" placeholder="z.B. 7" value="7" min="0" max="100" step="0.1" oninput="calc()">
            </div>
            <div class="field">
                <label>Laufzeit (Jahre)</label>
                <input type="number" id="years" placeholder="z.B. 30" value="30" min="1" max="100" oninput="calc()">
            </div>
        </div>
    </div>

    <div class="panel" id="results-panel">
        <div class="section-label">Ergebnis</div>
        <div class="result-cards">
            <div class="rc"><div class="rc-val" id="r-end">–</div><div class="rc-lbl">Endkapital</div></div>
            <div class="rc main"><div class="rc-val" id="r-total">–</div><div class="rc-lbl">Eingezahlt gesamt</div></div>
            <div class="rc"><div class="rc-val" id="r-gain">–</div><div class="rc-lbl">Zinsgewinn</div></div>
        </div>

        <div class="chart-wrap">
            <div class="chart-title">Zusammensetzung</div>
            <div class="bar-group">
                <div class="bar-col">
                    <div class="bar-val" id="chart-einz-val"></div>
                    <div class="bar einz" id="bar-einz" style="height:80px"></div>
                    <div class="bar-label">Einzahlungen</div>
                </div>
                <div class="bar-col">
                    <div class="bar-val" id="chart-zins-val"></div>
                    <div class="bar zins" id="bar-zins" style="height:40px"></div>
                    <div class="bar-label">Zinsen</div>
                </div>
            </div>
        </div>
    </div>

    <div class="panel">
        <div class="section-label">Jahr-für-Jahr-Übersicht</div>
        <div class="table-wrap">
            <table class="breakdown-table">
                <thead>
                    <tr>
                        <th>Jahr</th>
                        <th>Eingezahlt</th>
                        <th>Zinsen gesamt</th>
                        <th>Kapital</th>
                    </tr>
                </thead>
                <tbody id="breakdown-body"></tbody>
            </table>
        </div>
    </div>
</div>@include('tools._ads_banner')</div>

<script>
    const fmtEur = n => n.toLocaleString('de-DE', { style: 'currency', currency: 'EUR', maximumFractionDigits: 0 });

    function calc() {
        const start = parseFloat(document.getElementById('start').value) || 0;
        const monthly = parseFloat(document.getElementById('monthly').value) || 0;
        const annualRate = parseFloat(document.getElementById('interest').value) / 100 || 0;
        const years = parseInt(document.getElementById('years').value) || 0;

        if (years < 1) return;

        const monthlyRate = annualRate / 12;
        const rows = [];
        let capital = start;
        let totalDeposited = start;
        let totalInterest = 0;

        for (let y = 1; y <= years; y++) {
            let yearInterest = 0;
            for (let m = 0; m < 12; m++) {
                const interest = capital * monthlyRate;
                yearInterest += interest;
                capital += interest + monthly;
                totalDeposited += monthly;
            }
            totalInterest += yearInterest;
            rows.push({ year: y, deposited: totalDeposited, interest: totalInterest, capital });
        }

        const endCapital = capital;
        const totalPaid = totalDeposited;
        const gain = totalInterest;

        document.getElementById('r-end').textContent = fmtEur(endCapital);
        document.getElementById('r-total').textContent = fmtEur(totalPaid);
        document.getElementById('r-gain').textContent = fmtEur(gain);

        // Bar chart
        const maxVal = Math.max(totalPaid, gain, 1);
        const maxBarH = 120;
        document.getElementById('bar-einz').style.height = Math.max(8, (totalPaid / maxVal) * maxBarH) + 'px';
        document.getElementById('bar-zins').style.height = Math.max(8, (gain / maxVal) * maxBarH) + 'px';
        document.getElementById('chart-einz-val').textContent = fmtEur(totalPaid);
        document.getElementById('chart-zins-val').textContent = fmtEur(gain);

        // Table: first 5 + last 5 years (no overlap if <=10 years)
        const tbody = document.getElementById('breakdown-body');
        let html = '';
        const showFirst = Math.min(5, years);
        const showLast = years > 5 ? Math.min(5, years - 5) : 0;

        for (let i = 0; i < showFirst; i++) {
            const r = rows[i];
            html += `<tr><td>${r.year}</td><td>${fmtEur(r.deposited)}</td><td>${fmtEur(r.interest)}</td><td>${fmtEur(r.capital)}</td></tr>`;
        }
        if (years > 10) {
            html += `<tr class="sep"><td colspan="4">… ${years - 10} Jahre ausgeblendet …</td></tr>`;
        }
        if (showLast > 0) {
            for (let i = rows.length - showLast; i < rows.length; i++) {
                const r = rows[i];
                html += `<tr><td>${r.year}</td><td>${fmtEur(r.deposited)}</td><td>${fmtEur(r.interest)}</td><td>${fmtEur(r.capital)}</td></tr>`;
            }
        }
        tbody.innerHTML = html;
    }

    calc();
</script>

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

@endsection