:root { –primary: #07828e; –secondary: #6ac0be; –tertiary: #ff7b07; –primary-light: #e0f4f5; –secondary-light: #d5eeee; –bg: #f7fafa; –white: #ffffff; –text: #1a2e2e; –text-muted: #5a7878; –border: #c8e0e0; –radius: 12px; –radius-sm: 8px; –success: #1d9e75; –warning: #ba7517; –danger: #c0392b; } * { box-sizing: border-box; margin: 0; padding: 0; } body { font-family: ‘Segoe UI’, Arial, sans-serif; background: var(–bg); color: var(–text); min-height: 100vh; } .header { background: var(–primary); color: #fff; padding: 28px 32px 24px; } .header h1 { font-size: 22px; font-weight: 600; margin-bottom: 4px; } .header p { font-size: 14px; opacity: 0.85; } .nav-tabs { background: var(–white); border-bottom: 2px solid var(–primary-light); display: flex; gap: 0; } .nav-tab { padding: 14px 24px; font-size: 14px; font-weight: 600; cursor: pointer; border: none; background: transparent; color: var(–text-muted); border-bottom: 3px solid transparent; margin-bottom: -2px; transition: all 0.2s; } .nav-tab.active { color: var(–primary); border-bottom-color: var(–primary); } .container { max-width: 900px; margin: 0 auto; padding: 28px 20px; } .panel { display: none; } .panel.active { display: block; } .card { background: var(–white); border: 1px solid var(–border); border-radius: var(–radius); padding: 28px; margin-bottom: 20px; } .card h2 { font-size: 16px; font-weight: 600; color: var(–primary); margin-bottom: 20px; padding-bottom: 10px; border-bottom: 2px solid var(–primary-light); display: flex; align-items: center; gap: 8px; } .form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; } .form-grid.three { grid-template-columns: 1fr 1fr 1fr; } @media (max-width: 640px) { .form-grid, .form-grid.three { grid-template-columns: 1fr; } } .form-group { display: flex; flex-direction: column; gap: 6px; } label { font-size: 12px; font-weight: 700; color: var(–text-muted); text-transform: uppercase; letter-spacing: 0.05em; } input[type= »number »], input[type= »range »], select { height: 44px; border: 1.5px solid var(–border); border-radius: var(–radius-sm); padding: 0 14px; font-size: 15px; color: var(–text); background: var(–white); outline: none; transition: border-color 0.2s; width: 100%; } input[type= »number »]:focus, select:focus { border-color: var(–primary); } .input-suffix { position: relative; display: flex; } .input-suffix input { padding-right: 48px; } .suffix { position: absolute; right: 14px; top: 50%; transform: translateY(-50%); font-size: 13px; color: var(–text-muted); pointer-events: none; } .slider-row { display: flex; align-items: center; gap: 12px; } input[type= »range »] { flex: 1; height: 6px; padding: 0; accent-color: var(–primary); cursor: pointer; } .slider-val { min-width: 70px; text-align: right; font-size: 15px; font-weight: 700; color: var(–primary); } .hint { font-size: 12px; color: var(–text-muted); } .btn { display: block; width: 100%; height: 52px; background: var(–primary); color: #fff; border: none; border-radius: var(–radius-sm); font-size: 16px; font-weight: 600; cursor: pointer; margin-top: 24px; transition: background 0.2s; } .btn:hover { background: #056570; } .results-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; margin-bottom: 20px; } @media (max-width: 640px) { .results-grid { grid-template-columns: 1fr; } } .result-box { border-radius: var(–radius); padding: 20px; text-align: center; } .result-box.primary { background: var(–primary); color: #fff; } .result-box.secondary { background: var(–primary-light); border: 1px solid var(–secondary); } .result-box .rval { font-size: 28px; font-weight: 700; letter-spacing: -0.5px; line-height: 1.15; } .result-box.secondary .rval { color: var(–primary); } .result-box .rlbl { font-size: 13px; margin-top: 4px; opacity: 0.8; } .result-box.secondary .rlbl { color: var(–text-muted); } .detail-block { background: var(–white); border: 1px solid var(–border); border-radius: var(–radius); padding: 20px; margin-bottom: 20px; } .detail-block h3 { font-size: 14px; font-weight: 700; color: var(–primary); margin-bottom: 14px; text-transform: uppercase; letter-spacing: 0.05em; } .progress-bar { height: 12px; border-radius: 6px; background: var(–primary-light); overflow: hidden; margin-bottom: 8px; } .progress-fill { height: 100%; border-radius: 6px; background: var(–primary); transition: width 0.5s; } .progress-labels { display: flex; justify-content: space-between; font-size: 12px; color: var(–text-muted); margin-bottom: 16px; } .taux-indicator { display: flex; align-items: center; gap: 10px; padding: 12px 16px; border-radius: var(–radius-sm); font-size: 14px; font-weight: 600; margin-bottom: 16px; } .taux-ok { background: #e0f4f5; color: var(–primary); } .taux-warn { background: #faeeda; color: var(–warning); } .taux-bad { background: #fce8e8; color: var(–danger); } .dot { width: 10px; height: 10px; border-radius: 50%; } .dot-ok { background: var(–primary); } .dot-warn { background: var(–warning); } .dot-bad { background: var(–danger); } .amortissement-table { width: 100%; border-collapse: collapse; font-size: 13px; } .amortissement-table th { background: var(–primary-light); color: var(–primary); font-weight: 700; padding: 9px 10px; text-align: right; font-size: 11px; text-transform: uppercase; letter-spacing: 0.04em; } .amortissement-table th:first-child { text-align: left; } .amortissement-table td { padding: 8px 10px; text-align: right; border-bottom: 1px solid var(–secondary-light); color: var(–text); } .amortissement-table td:first-child { text-align: left; font-weight: 600; } .amortissement-table tbody tr:last-child td { border-bottom: none; font-weight: 700; background: var(–primary-light); color: var(–primary); } .legend { display: flex; gap: 16px; flex-wrap: wrap; margin-top: 10px; } .legend-item { display: flex; align-items: center; gap: 6px; font-size: 12px; color: var(–text-muted); } .legend-dot { width: 10px; height: 10px; border-radius: 2px; } .hidden { display: none; } .info-banner { background: var(–primary-light); border-left: 4px solid var(–secondary); border-radius: 0 var(–radius-sm) var(–radius-sm) 0; padding: 12px 16px; font-size: 13px; color: var(–primary); margin-bottom: 20px; } function switchPanel(name, btn) { document.querySelectorAll(‘.panel’).forEach(p => p.classList.remove(‘active’)); document.querySelectorAll(‘.nav-tab’).forEach(t => t.classList.remove(‘active’)); document.getElementById(‘panel-‘ + name).classList.add(‘active’); btn.classList.add(‘active’); } function fmt(n) { return Math.round(n).toLocaleString(‘fr-FR’) + ‘ €’; } function fmtDec(n, d) { return n.toLocaleString(‘fr-FR’, { minimumFractionDigits: d, maximumFractionDigits: d }); } function updateSlider(sliderId, valId, suffix) { const val = parseFloat(document.getElementById(sliderId).value); let display = suffix === ‘%’ ? fmtDec(val, 2) + ‘ %’ : val + suffix; document.getElementById(valId).textContent = display; } function mensualiteCredit(capital, tauxAnnuel, dureeAns) { const tauxM = tauxAnnuel / 100 / 12; const n = dureeAns * 12; if (tauxM === 0) return capital / n; return capital * tauxM / (1 – Math.pow(1 + tauxM, -n)); } function calcCapacite() { const rev1 = parseFloat(document.getElementById(‘rev1’).value) || 0; const rev2 = parseFloat(document.getElementById(‘rev2’).value) || 0; const autresCredits = parseFloat(document.getElementById(‘autresCredits’).value) || 0; const apport = parseFloat(document.getElementById(‘apport’).value) || 0; const taux = parseFloat(document.getElementById(‘tauxC’).value); const duree = parseInt(document.getElementById(‘dureeC’).value); const assurance = parseFloat(document.getElementById(‘assuranceC’).value); const tauxEndet = parseInt(document.getElementById(‘tauxEndet’).value); updateSlider(‘tauxC’, ‘tauxCVal’, ‘%’); updateSlider(‘dureeC’, ‘dureeCVal’, ‘ ans’); updateSlider(‘assuranceC’, ‘assuranceCVal’, ‘%’); updateSlider(‘tauxEndet’, ‘tauxEndetVal’, ‘%’); const revTotal = rev1 + rev2; const mensMax = revTotal * tauxEndet / 100 – autresCredits; if (mensMax 0 ? (mensAvecAss + autresCredits) / revTotal * 100 : 0; document.getElementById(‘endetBar’).style.width = Math.min(endetReel / 40 * 100, 100) + ‘%’; document.getElementById(‘endetLabel’).textContent = fmtDec(endetReel, 1) + ‘ %’; const ind = document.getElementById(‘tauxEndetIndicator’); const dot = document.getElementById(‘tauxEndetDot’); const txt = document.getElementById(‘tauxEndetText’); if (endetReel <= 33) { ind.className = 'taux-indicator taux-ok'; dot.className = 'dot dot-ok'; txt.textContent = 'Endettement confortable (' + fmtDec(endetReel, 1) + ' %)'; } else if (endetReel <= 35) { ind.className = 'taux-indicator taux-warn'; dot.className = 'dot dot-warn'; txt.textContent = 'Endettement dans les limites recommandées (' + fmtDec(endetReel, 1) + ' %)'; } else { ind.className = 'taux-indicator taux-bad'; dot.className = 'dot dot-bad'; txt.textContent = 'Endettement élevé — risque de refus bancaire (' + fmtDec(endetReel, 1) + ' %)'; } document.getElementById('resultCapacite').classList.remove('hidden'); } function calcMensualite() { const capital = parseFloat(document.getElementById('capital').value) || 0; const taux = parseFloat(document.getElementById('tauxM').value) || 0; const duree = parseInt(document.getElementById('dureeM').value) || 1; const assurance = parseFloat(document.getElementById('assuranceM').value) || 0; const fraisDossier = parseFloat(document.getElementById('fraisDossier').value) || 0; const fraisGarantie = parseFloat(document.getElementById('fraisGarantie').value) || 0; const mens = mensualiteCredit(capital, taux, duree); const n = duree * 12; const totalInterets = mens * n – capital; const totalAssurance = capital * assurance / 100 / 12 * n; const mensAvecAss = mens + capital * assurance / 100 / 12; const fraisTotal = fraisDossier + fraisGarantie; document.getElementById('mensHorsAss').textContent = fmt(mens) + '/mois'; document.getElementById('mensAvecAss').textContent = fmt(mensAvecAss) + '/mois'; document.getElementById('coutInterets').textContent = fmt(totalInterets); document.getElementById('coutTotal').textContent = fmt(capital + totalInterets + totalAssurance + fraisTotal); const total = capital + totalInterets + totalAssurance + fraisTotal; const pC = capital / total * 100; const pI = totalInterets / total * 100; const pA = totalAssurance / total * 100; const pF = fraisTotal / total * 100; document.getElementById('repartitionBars').innerHTML = ` `; document.getElementById(‘resultMensualite’).classList.remove(‘hidden’); } function genererAmortissement() { const capital = parseFloat(document.getElementById(‘capA’).value) || 0; const taux = parseFloat(document.getElementById(‘tauxA’).value) || 0; const duree = parseInt(document.getElementById(‘dureeA’).value) || 1; const assurance = parseFloat(document.getElementById(‘assuranceA’).value) || 0; const tauxM = taux / 100 / 12; const n = duree * 12; const mens = mensualiteCredit(capital, taux, duree); let solde = capital; let totInterets = 0, totAmort = 0, totAss = 0; let rows =  »; for (let annee = 1; annee <= duree; annee++) { let iAn = 0, aAn = 0; for (let m = 0; m < 12; m++) { const intM = solde * tauxM; const amM = mens – intM; iAn += intM; aAn += amM; solde = Math.max(0, solde – amM); } const assAn = capital * assurance / 100; totInterets += iAn; totAmort += aAn; totAss += assAn; rows += ` Année ${annee} ${fmt(mens * 12)} ${fmt(aAn)} ${fmt(iAn)} ${fmt(assAn)} ${fmt(Math.max(0, solde))} `; } rows += ` TOTAL ${fmt(mens * n)} ${fmt(totAmort)} ${fmt(totInterets)} ${fmt(totAss)} 0 € `; document.getElementById(‘tableAmortissement’).innerHTML = ` PériodeAnnuité totaleAmortissement IntérêtsAssuranceCapital restant ${rows}`; document.getElementById(‘resultAmortissement’).classList.remove(‘hidden’); document.getElementById(‘resultAmortissement’).scrollIntoView({ behavior: ‘smooth’, block: ‘nearest’ }); } calcCapacite(); calcMensualite();