@jjlmoya/utils-finance 1.16.0 → 1.18.0

package/src/tool/financialFreedom/i18n/sv.ts

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+import type { FinancialFreedomUI } from '../ui';
+import type { ToolLocaleContent } from '../../../types';
+
+export const ui: FinancialFreedomUI = {
+  labelSavings: 'Totala Sparande',
+  labelExpenses: 'Nuvarande Utgifter',
+  labelMonthly: 'Månadsvis',
+  labelYearly: 'Årsvis',
+  labelTimeRemaining: 'Din Ekonomiska Runway',
+  labelYears: 'År',
+  labelMonths: 'Månader',
+  labelDays: 'Dagar',
+  labelYearsShort: 'å',
+  labelMonthsShort: 'm',
+  labelDaysShort: 'd',
+  labelStatus: 'Finansiell Säkerhetsstatus',
+  labelRedZone: 'Röd Zon: Hög Risk',
+  labelYellowZone: 'Gul Zon: Stabil',
+  labelGreenZone: 'Grön Zon: Finansiell Frihet',
+  labelBurnRateDaily: 'Daglig Utgiftstakt',
+  labelBurnRateMonthly: 'Månatlig Utgiftstakt',
+  labelWhatIf: '10%-Regeln',
+  labelWhatIfDescription: 'Genom att minska dina utgifter med bara 10% kan du förlänga din runway avsevärt.',
+  labelGainTime: 'Extra Överlevnadstid',
+  labelCopyResult: 'Kopiera Sammanfattning',
+  labelCopied: 'Kopierad!',
+};
+
+const slug = 'ekonomisk-frihet-kalkylator-overlevnadstid';
+const title = 'Kalkylator för Ekonomisk Frihet & Överlevnadstid';
+const description = 'Beräkna exakt hur länge dina besparingar räcker. Vårt verktyg hjälper dig att visualisera din ekonomiska självständighet.';
+
+const faq = [
+  {
+    question: 'Vad är en bra runway?',
+    answer: 'Experter rekommenderar minst 3 till 6 månader. För verklig frihet, sikta på 2 år eller mer.',
+  },
+  {
+    question: 'Inkluderar denna kalkylator inflation?',
+    answer: 'Detta verktyg är utformat för omedelbar beräkning av likvida medel mot nuvarande utgifter.',
+  },
+  {
+    question: 'Vad är "Burn Rate" i privatekonomi?',
+    answer: 'Burn rate är takten med vilken du spenderar dina besparingar för att täcka levnadskostnader.',
+  },
+];
+
+const howTo = [
+  {
+    name: 'Ange dina totala besparingar',
+    text: 'Fyll i det totala beloppet av likvida medel du har tillgång till.',
+  },
+  {
+    name: 'Ställ in utgifter',
+    text: 'Ange hur mycket du spenderar per månad eller år.',
+  },
+  {
+    name: 'Analysera säkerhetszon',
+    text: 'Kontrollera om du är i röd, gul eller grön zon.',
+  },
+];
+
+export const content: ToolLocaleContent<FinancialFreedomUI> = {
+  slug,
+  title,
+  description,
+  ui,
+  seo: [
+    {
+      type: 'title',
+      text: 'Vad är en ekonomisk runway?',
+      level: 2,
+    },
+    {
+      type: 'paragraph',
+      html: 'En <strong>ekonomisk runway</strong> är den tid du kan leva utan nya inkomster. Det är det ultimata måttet på ekonomisk frihet.',
+    },
+  ],
+  faq,
+  bibliography: [
+    {
+      name: 'Principer för FIRE-rörelsen',
+      url: 'https://en.wikipedia.org/wiki/FIRE_movement',
+    },
+  ],
+  howTo,
+  schemas: [
+    {
+      '@context': 'https://schema.org',
+      '@type': 'FinancialProduct',
+      name: title,
+      description,
+    },
+    {
+      '@context': 'https://schema.org',
+      '@type': 'FAQPage',
+      mainEntity: faq.map((f) => ({
+        '@type': 'Question',
+        name: f.question,
+        acceptedAnswer: { '@type': 'Answer', text: f.answer },
+      })),
+    },
+    {
+      '@context': 'https://schema.org',
+      '@type': 'HowTo',
+      name: title,
+      step: howTo.map((h, i) => ({
+        '@type': 'HowToStep',
+        position: i + 1,
+        name: h.name,
+        text: h.text,
+      })),
+    },
+    {
+      '@context': 'https://schema.org',
+      '@type': 'SoftwareApplication',
+      name: title,
+      applicationCategory: 'FinanceApplication',
+      operatingSystem: 'All',
+      offers: { '@type': 'Offer', price: '0', priceCurrency: 'USD' },
+    },
+  ],
+};

package/src/tool/financialFreedom/i18n/tr.ts

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+import type { FinancialFreedomUI } from '../ui';
+import type { ToolLocaleContent } from '../../../types';
+
+export const ui: FinancialFreedomUI = {
+  labelSavings: 'Toplam Tasarruf',
+  labelExpenses: 'Mevcut Giderler',
+  labelMonthly: 'Aylık',
+  labelYearly: 'Yıllık',
+  labelTimeRemaining: 'Hayatta Kalma Süreniz',
+  labelYears: 'Yıl',
+  labelMonths: 'Ay',
+  labelDays: 'Gün',
+  labelYearsShort: 'y',
+  labelMonthsShort: 'a',
+  labelDaysShort: 'g',
+  labelStatus: 'Finansal Güvenlik Durumu',
+  labelRedZone: 'Kırmızı Bölge: Yüksek Risk',
+  labelYellowZone: 'Sarı Bölge: Stabil',
+  labelGreenZone: 'Yeşil Bölge: Finansal Özgürlük',
+  labelBurnRateDaily: 'Günlük Harcama Oranı',
+  labelBurnRateMonthly: 'Aylık Harcama Oranı',
+  labelWhatIf: '%10 Kuralı',
+  labelWhatIfDescription: 'Giderlerinizi sadece %10 azaltarak, hayatta kalma sürenizi önemli ölçüde artırabilirsiniz.',
+  labelGainTime: 'Ekstra Hayatta Kalma Süresi',
+  labelCopyResult: 'Özeti Kopyala',
+  labelCopied: 'Kopyalandı!',
+};
+
+const slug = 'finansal-ozgurluk-hesaplama-hayatta-kalma-suresi';
+const title = 'Finansal Özgürlük ve Hayatta Kalma Süresi Hesaplayıcı';
+const description = 'Tasarruflarınızın tam olarak ne kadar süreceğini hesaplayın. Aracımız finansal bağımsızlığınızı görselleştirmenize yardımcı olur.';
+
+const faq = [
+  {
+    question: 'İyi bir hayatta kalma süresi nedir?',
+    answer: 'Uzmanlar en az 3 ila 6 aylık gideri önermektedir. Gerçek özgürlük için 2 yıl veya üzerini hedefleyin.',
+  },
+  {
+    question: 'Bu hesaplayıcı enflasyonu içeriyor mu?',
+    answer: 'Bu araç, mevcut giderlere karşı mevcut likit varlıkların anlık hesaplanması için tasarlanmıştır.',
+  },
+  {
+    question: 'Kişisel finansta "Burn Rate" nedir?',
+    answer: 'Burn rate (tüketim hızı), yaşam giderlerinizi karşılamak için tasarruflarınızı harcama hızınızdır.',
+  },
+];
+
+const howTo = [
+  {
+    name: 'Toplam tasarrufunuzu girin',
+    text: 'Sahip olduğunuz toplam nakit veya likit varlıkları girin.',
+  },
+  {
+    name: 'Giderlerinizi belirleyin',
+    text: 'Aylık veya yıllık harcamalarınızı girin.',
+  },
+  {
+    name: 'Güvenlik bölgenizi analiz edin',
+    text: 'Kırmızı, Sarı veya Yeşil bölgede olup olmadığınızı kontrol edin.',
+  },
+];
+
+export const content: ToolLocaleContent<FinancialFreedomUI> = {
+  slug,
+  title,
+  description,
+  ui,
+  seo: [
+    {
+      type: 'title',
+      text: 'Finansal Hayatta Kalma Süresi Nedir?',
+      level: 2,
+    },
+    {
+      type: 'paragraph',
+      html: '<strong>Hayatta kalma süresi</strong> (runway), yeni bir gelir olmadan yaşayabileceğiniz süredir. Finansal özgürlüğün temel ölçütüdür.',
+    },
+  ],
+  faq,
+  bibliography: [
+    {
+      name: 'FIRE Hareketi Prensipleri',
+      url: 'https://en.wikipedia.org/wiki/FIRE_movement',
+    },
+  ],
+  howTo,
+  schemas: [
+    {
+      '@context': 'https://schema.org',
+      '@type': 'FinancialProduct',
+      name: title,
+      description,
+    },
+    {
+      '@context': 'https://schema.org',
+      '@type': 'FAQPage',
+      mainEntity: faq.map((f) => ({
+        '@type': 'Question',
+        name: f.question,
+        acceptedAnswer: { '@type': 'Answer', text: f.answer },
+      })),
+    },
+    {
+      '@context': 'https://schema.org',
+      '@type': 'HowTo',
+      name: title,
+      step: howTo.map((h, i) => ({
+        '@type': 'HowToStep',
+        position: i + 1,
+        name: h.name,
+        text: h.text,
+      })),
+    },
+    {
+      '@context': 'https://schema.org',
+      '@type': 'SoftwareApplication',
+      name: title,
+      applicationCategory: 'FinanceApplication',
+      operatingSystem: 'All',
+      offers: { '@type': 'Offer', price: '0', priceCurrency: 'USD' },
+    },
+  ],
+};

package/src/tool/financialFreedom/i18n/zh.ts

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+import type { FinancialFreedomUI } from '../ui';
+import type { ToolLocaleContent } from '../../../types';
+
+export const ui: FinancialFreedomUI = {
+  labelSavings: '总储蓄额',
+  labelExpenses: '当前支出',
+  labelMonthly: '每月',
+  labelYearly: '每年',
+  labelTimeRemaining: '您的生存跑道',
+  labelYears: '年',
+  labelMonths: '个月',
+  labelDays: '天',
+  labelYearsShort: '年',
+  labelMonthsShort: '月',
+  labelDaysShort: '日',
+  labelStatus: '财务安全状态',
+  labelRedZone: '红区：高风险',
+  labelYellowZone: '黄区：稳定',
+  labelGreenZone: '绿区：财务自由',
+  labelBurnRateDaily: '每日支出率',
+  labelBurnRateMonthly: '每月支出率',
+  labelWhatIf: '10% 节约法则',
+  labelWhatIfDescription: '通过减少仅 10% 的支出，您可以显著延长生存跑道。',
+  labelGainTime: '额外生存时间',
+  labelCopyResult: '复制摘要',
+  labelCopied: '已复制！',
+};
+
+const slug = 'financial-freedom-calculator';
+const title = '财务自由与生存跑道计算器';
+const description = '精确计算您的储蓄能维持多久。我们的生存跑道工具可帮助您可视化财务独立。';
+
+const faq = [
+  {
+    question: '多少生存跑道才算好？',
+    answer: '专家通常建议至少预留 3 到 6 个月的支出。为了真正的自由，目标应设定为 2 年或更长。',
+  },
+  {
+    question: '此计算器是否包含通货膨胀？',
+    answer: '此工具专为流动资产与当前支出的即时计算而设计。',
+  },
+  {
+    question: '个人财务中的“烧钱率”是什么？',
+    answer: '烧钱率是指您消耗储蓄以支付生活费用的速度。',
+  },
+];
+
+const howTo = [
+  {
+    name: '输入总储蓄额',
+    text: '输入您拥有的现金或流动资产总额。',
+  },
+  {
+    name: '设置定期支出',
+    text: '输入您每月或每年的支出金额。',
+  },
+  {
+    name: '分析安全区域',
+    text: '检查您处于红区、黄区还是绿区。',
+  },
+];
+
+export const content: ToolLocaleContent<FinancialFreedomUI> = {
+  slug,
+  title,
+  description,
+  ui,
+  seo: [
+    {
+      type: 'title',
+      text: '什么是财务生存跑道？',
+      level: 2,
+    },
+    {
+      type: 'paragraph',
+      html: '<strong>生存跑道</strong>（runway）是指在没有新收入的情况下您可以维持生活的时间。它是衡量财务自由的终极指标。',
+    },
+  ],
+  faq,
+  bibliography: [
+    {
+      name: 'FIRE 运动原则',
+      url: 'https://zh.wikipedia.org/wiki/FIRE_运动',
+    },
+  ],
+  howTo,
+  schemas: [
+    {
+      '@context': 'https://schema.org',
+      '@type': 'FinancialProduct',
+      name: title,
+      description,
+    },
+    {
+      '@context': 'https://schema.org',
+      '@type': 'FAQPage',
+      mainEntity: faq.map((f) => ({
+        '@type': 'Question',
+        name: f.question,
+        acceptedAnswer: { '@type': 'Answer', text: f.answer },
+      })),
+    },
+    {
+      '@context': 'https://schema.org',
+      '@type': 'HowTo',
+      name: title,
+      step: howTo.map((h, i) => ({
+        '@type': 'HowToStep',
+        position: i + 1,
+        name: h.name,
+        text: h.text,
+      })),
+    },
+    {
+      '@context': 'https://schema.org',
+      '@type': 'SoftwareApplication',
+      name: title,
+      applicationCategory: 'FinanceApplication',
+      operatingSystem: 'All',
+      offers: { '@type': 'Offer', price: '0', priceCurrency: 'USD' },
+    },
+  ],
+};

package/src/tool/financialFreedom/index.ts

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+import { financialFreedom } from './entry';
+import type { ToolDefinition } from '../../types';
+
+export * from './entry';
+export const FINANCIAL_FREEDOM_TOOL: ToolDefinition = {
+  entry: financialFreedom,
+  Component: () => import('./component.astro'),
+  SEOComponent: () => import('./seo.astro'),
+  BibliographyComponent: () => import('./bibliography.astro'),
+};

package/src/tool/financialFreedom/logic.ts

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+export interface FinancialFreedomInput {
+  savings: number;
+  expenses: number;
+  expensePeriod: 'monthly' | 'yearly';
+}
+
+export interface HumanTime {
+  years: number;
+  months: number;
+  days: number;
+}
+
+export interface FinancialFreedomResult {
+  dailyBurn: number;
+  monthlyBurn: number;
+  totalDays: number;
+  humanTime: HumanTime;
+  status: 'red' | 'yellow' | 'green';
+  gainWithSavings: HumanTime;
+}
+
+export class FinancialFreedomCalculator {
+  static calculate(input: FinancialFreedomInput): FinancialFreedomResult {
+    const { savings, expenses, expensePeriod } = input;
+    
+    const annualExpenses = expensePeriod === 'monthly' ? expenses * 12 : expenses;
+    const monthlyBurn = annualExpenses / 12;
+    const dailyBurn = annualExpenses / 365;
+    
+    const totalDays = dailyBurn > 0 ? savings / dailyBurn : 0;
+    
+    const humanTime = this.calculateHumanTime(totalDays);
+    
+    let status: 'red' | 'yellow' | 'green' = 'red';
+    if (totalDays > 730) {
+      status = 'green';
+    } else if (totalDays > 180) {
+      status = 'yellow';
+    }
+    
+    const potentialSavings = annualExpenses * 0.1;
+    const newAnnualExpenses = annualExpenses - potentialSavings;
+    const newDailyBurn = newAnnualExpenses / 365;
+    const newTotalDays = newDailyBurn > 0 ? savings / newDailyBurn : 0;
+    
+    const gainWithSavings = this.calculateHumanTime(newTotalDays - totalDays);
+
+    return {
+      dailyBurn: Number(dailyBurn.toFixed(2)),
+      monthlyBurn: Number(monthlyBurn.toFixed(2)),
+      totalDays: Math.floor(totalDays),
+      humanTime,
+      status,
+      gainWithSavings
+    };
+  }
+
+  private static calculateHumanTime(totalDays: number): HumanTime {
+    if (totalDays <= 0) return { years: 0, months: 0, days: 0 };
+    
+    const years = Math.floor(totalDays / 365);
+    const remainingDaysAfterYears = totalDays % 365;
+    const months = Math.floor(remainingDaysAfterYears / 30.44);
+    const days = Math.floor(remainingDaysAfterYears % 30.44);
+    
+    return { years, months, days };
+  }
+}

package/src/tool/financialFreedom/seo.astro

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+---
+import { SEORenderer } from '@jjlmoya/utils-shared';
+import type { FinancialFreedomLocaleContent } from './entry';
+
+interface Props {
+  content: FinancialFreedomLocaleContent;
+  locale: string;
+}
+
+const { content, locale } = Astro.props;
+---
+
+{content.seo && content.seo.length > 0 && <SEORenderer content={{ locale, sections: content.seo }} />}

package/src/tool/financialFreedom/ui.ts

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+export interface FinancialFreedomUI extends Record<string, string> {
+  labelTitle: string;
+  labelSavings: string;
+  labelExpenses: string;
+  labelMonthly: string;
+  labelYearly: string;
+  labelCurrency: string;
+  labelDailyBurn: string;
+  labelTimeRemaining: string;
+  labelYears: string;
+  labelMonths: string;
+  labelDays: string;
+  labelYearsShort: string;
+  labelMonthsShort: string;
+  labelDaysShort: string;
+  labelStatus: string;
+  labelRedZone: string;
+  labelYellowZone: string;
+  labelGreenZone: string;
+  labelWhatIf: string;
+  labelWhatIfDescription: string;
+  labelGainTime: string;
+  labelBurnRateTitle: string;
+  labelBurnRateDaily: string;
+  labelBurnRateMonthly: string;
+}

package/src/tool/profitability/bibliography.astro

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+---
+import { Bibliography as SharedBibliography } from '@jjlmoya/utils-shared';
+import { profitability } from './index';
+import type { KnownLocale } from '../../types';
+
+interface Props {
+  locale?: KnownLocale;
+}
+
+const { locale = 'en' } = Astro.props;
+const content = await profitability.i18n[locale]?.();
+---
+
+{content && <SharedBibliography links={content.bibliography} />}

package/src/tool/profitability/bibliography.ts

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+import type { BibliographyEntry } from '../../types';
+
+export const bibliography: BibliographyEntry[] = [
+  {
+    name: 'Return on Investment (ROI) - Investopedia',
+    url: 'https://www.investopedia.com/terms/r/returnoninvestment.asp',
+  },
+  {
+    name: 'Compound Annual Growth Rate (CAGR) - Investopedia',
+    url: 'https://www.investopedia.com/terms/c/cagr.asp',
+  }
+];