mantenimento-app 2.1.8 → 2.2.0

package/app.js

@@ -26,7 +26,9 @@ const defaultExpenseItems = [
     let selectedScenarioIdx = -1;
     let scenarioTransitionTimer = null;
     const SCENARIO_LAB_MAX = 3;
-    const SCENARIO_LABELS = ["A", "B", "C"];
+    const SCENARIO_LAB_MAX_FREE = 3;
+    const SCENARIO_LAB_MAX_DONOR = 6;
+    const SCENARIO_LABELS = ["A", "B", "C", "D", "E", "F"];
     const EXPENSE_DETAIL_MAX_CHARS = 560;
     const EXPENSE_DETAIL_MAX_LINES = 10;
 
@@ -134,6 +136,11 @@ const defaultExpenseItems = [
         authUserFallback: "utente",
         authLogoutDone: "Logout eseguito.",
         authLoginRequired: "Effettua prima il login.",
+        gateNeedsAuth: "Funzionalità riservata agli utenti registrati. Accedi o registrati per continuare.",
+        gateNeedsAuthTitle: "Accesso richiesto",
+        gateNeedsDonor: "Funzionalità Premium riservata ai donatori. Supporta il progetto per sbloccarla.",
+        gateNeedsDonorTitle: "Funzionalità Premium",
+        gateDonorBadge: "Premium",
         authSaveFailed: "Salvataggio profilo fallito: {message}",
         authCloudSaved: "Profilo cloud salvato. Versioni storiche: {count}.",
         authLoadFailed: "Caricamento profilo fallito: {message}",
@@ -367,6 +374,19 @@ const defaultExpenseItems = [
         spiegDetailPerm: "La quota diretta dipende dai giorni di permanenza presso ciascun coniuge: quota diretta = fabbisogno x permanenza%.",
         spiegDetailResultTransfer: "L'assegno suggerito nasce dal saldo: quota teorica del pagante - quota diretta del pagante. Se il saldo e positivo, viene trasferito all'altro coniuge.",
         spiegDetailResultNoTransfer: "Se nessun saldo risulta positivo, il modello non suggerisce trasferimenti tra coniugi.",
+        sepCostBoxTitle: "💸 Costo della separazione",
+        sepCostBoxNote: "Stima le spese mensili che la coppia avrebbe sostenuto vivendo insieme: il modello calcolerà il costo di duplicazione generato dalla separazione e la perdita economica netta per ciascun coniuge.",
+        lblSpeseConvivenza: "Spese mensili stimate in convivenza ({currency})",
+        hintSpeseConvivenza: "Stima delle spese mensili totali della coppia se non si fosse separata: affitto/mutuo unico, una sola utenza, una sola auto, ecc. Lascia 0 per non includere questa analisi.",
+        sepCostDuplication: "Costo duplicazione mensile",
+        sepCostPanelTitle: "💔 Effetto economico della separazione",
+        sepCostNetTogether: "Netto combinato se insieme",
+        sepCostNetSeparated: "Netto combinato dopo separazione",
+        sepCostLossMonthly: "Perdita economica mensile",
+        sepCostLossAnnually: "Perdita economica annua",
+        sepCostLossSpouse: "Impatto stimato su {spouse}",
+        sepCostInlineHint: "Duplicazione mensile stimata: {amount}",
+        sepCostWarning: "Inserisci le spese mensili in convivenza nel campo sopra per attivare questa analisi.",
         footerVisitorsTotal: "Visitatori totali",
         footerVisitorsActive: "Visitatori attivi",
         footerLoggedUsers: "Utenti loggati",
@@ -455,6 +475,11 @@ const defaultExpenseItems = [
         authUserFallback: "user",
         authLogoutDone: "Logout completed.",
         authLoginRequired: "Please login first.",
+        gateNeedsAuth: "This feature is for registered users only. Log in or sign up to continue.",
+        gateNeedsAuthTitle: "Login required",
+        gateNeedsDonor: "Premium feature for donors. Support the project to unlock it.",
+        gateNeedsDonorTitle: "Premium feature",
+        gateDonorBadge: "Premium",
         authSaveFailed: "Cloud profile save failed: {message}",
         authCloudSaved: "Cloud profile saved. History versions: {count}.",
         authLoadFailed: "Cloud profile load failed: {message}",
@@ -688,6 +713,19 @@ const defaultExpenseItems = [
         spiegDetailPerm: "Direct share depends on permanence days with each spouse: direct share = children needs x permanence%.",
         spiegDetailResultTransfer: "Suggested support comes from the balance: payer theoretical share - payer direct share. If the balance is positive, it is transferred to the other spouse.",
         spiegDetailResultNoTransfer: "If no balance is positive, the model suggests no transfer between spouses.",
+        sepCostBoxTitle: "💸 Cost of separation",
+        sepCostBoxNote: "Estimate the monthly expenses the couple would have incurred if living together: the model will compute the duplication cost generated by the separation and the net economic loss per spouse.",
+        lblSpeseConvivenza: "Estimated monthly expenses when cohabiting ({currency})",
+        hintSpeseConvivenza: "Estimated total monthly expenses of the couple if they had not separated: single rent/mortgage, single utilities, single car, etc. Leave 0 to skip this analysis.",
+        sepCostDuplication: "Monthly duplication cost",
+        sepCostPanelTitle: "💔 Economic effect of separation",
+        sepCostNetTogether: "Combined net if together",
+        sepCostNetSeparated: "Combined net after separation",
+        sepCostLossMonthly: "Monthly economic loss",
+        sepCostLossAnnually: "Annual economic loss",
+        sepCostLossSpouse: "Estimated impact on {spouse}",
+        sepCostInlineHint: "Estimated monthly duplication: {amount}",
+        sepCostWarning: "Enter the cohabiting monthly expenses above to activate this analysis.",
         footerVisitorsTotal: "Total visitors",
         footerVisitorsActive: "Active visitors",
         footerLoggedUsers: "Logged users",
@@ -710,7 +748,8 @@ const defaultExpenseItems = [
     const authSession = {
       username: null,
       userId: null,
-      keyBits: null
+      keyBits: null,
+      isDonor: false
     };
     const authUiState = {
       mode: "login",
@@ -1171,6 +1210,14 @@ const defaultExpenseItems = [
       if (permLegendC2) permLegendC2.textContent = c2n();
       if (extraBoxTitle) extraBoxTitle.textContent = tr("extraBoxTitle");
       if (extraBoxNote) extraBoxNote.textContent = tr("extraBoxNote");
+      const sepCostBoxTitleEl = document.getElementById("sepCostBoxTitle");
+      const sepCostBoxNoteEl = document.getElementById("sepCostBoxNote");
+      const lblSpeseConvivenzaEl = document.getElementById("lblSpeseConvivenza");
+      const hintSpeseConvivenzaEl = document.getElementById("hintSpeseConvivenza");
+      if (sepCostBoxTitleEl) sepCostBoxTitleEl.textContent = tr("sepCostBoxTitle");
+      if (sepCostBoxNoteEl) sepCostBoxNoteEl.textContent = tr("sepCostBoxNote");
+      if (lblSpeseConvivenzaEl) lblSpeseConvivenzaEl.textContent = msg("lblSpeseConvivenza", { currency: currentCurrency });
+      if (hintSpeseConvivenzaEl) hintSpeseConvivenzaEl.title = tr("hintSpeseConvivenza");
       if (firstHomeBoxTitle) firstHomeBoxTitle.textContent = tr("firstHomeBoxTitle");
       if (firstHomeBoxNote) firstHomeBoxNote.textContent = tr("firstHomeBoxNote");
       if (lblPrimaCasaMutuoEnabled) lblPrimaCasaMutuoEnabled.textContent = tr("firstHomeMortgageEnabledLabel");
@@ -1642,6 +1689,7 @@ const defaultExpenseItems = [
       authSession.username = username;
       authSession.userId = user.id;
       authSession.keyBits = await deriveSessionKeyBits(password, user.id);
+      authSession.isDonor = localStorage.getItem(`m_donor_${user.id}`) === "1";
       updateAuthUi();
       return msg("authLoginAs", { username });
     }
@@ -1766,6 +1814,55 @@ const defaultExpenseItems = [
       el.textContent = message;
     }
 
+    function isLoggedIn() { return !!authSession.username; }
+    function isDonationPolicyBypassedUser() {
+      return normalizeUsername(authSession.username) === "favagit";
+    }
+    function isDonorUser() {
+      return !!authSession.isDonor || isDonationPolicyBypassedUser();
+    }
+
+    function getScenarioMaxForUser() {
+      if (!isLoggedIn()) return 0;
+      return isDonorUser() ? SCENARIO_LAB_MAX_DONOR : SCENARIO_LAB_MAX_FREE;
+    }
+
+    function showAuthGateMessage(triggerEl) {
+      setAuthMenuOpen(true);
+      setAuthStatus(tr("gateNeedsAuth"), true);
+      if (triggerEl) {
+        triggerEl.classList.add("gate-flash");
+        setTimeout(() => triggerEl.classList.remove("gate-flash"), 700);
+      }
+    }
+
+    function showDonorGateMessage(triggerEl) {
+      setAuthMenuOpen(true);
+      setAuthStatus(tr("gateNeedsDonor"), true);
+      if (triggerEl) {
+        triggerEl.classList.add("gate-flash");
+        setTimeout(() => triggerEl.classList.remove("gate-flash"), 700);
+      }
+      const donateBanner = document.querySelector(".donate-banner");
+      if (donateBanner) setTimeout(() => donateBanner.scrollIntoView({ behavior: "smooth", block: "center" }), 200);
+    }
+
+    function applyFeatureGates() {
+      const logged = isLoggedIn();
+      const donor = isDonorUser();
+      const authGatedIds = ["btnPdf", "btnExportJson", "btnImportJson", "btnSaveScenario"];
+      authGatedIds.forEach((id) => {
+        const btn = document.getElementById(id);
+        if (!btn) return;
+        btn.classList.toggle("gate-locked", !logged);
+        btn.classList.toggle("gate-donor", logged && !donor && id === "btnSaveScenario" && false); // donor gate placeholder
+      });
+      const authMenuBtn = document.getElementById("btnAuthMenu");
+      if (authMenuBtn) {
+        authMenuBtn.classList.toggle("has-donor-badge", logged && donor);
+      }
+    }
+
     function updateAuthModeUi() {
       const isSignup = authUiState.mode === "signup";
       const loginModeBtn = document.getElementById("btnAuthModeLogin");
@@ -1809,7 +1906,8 @@ const defaultExpenseItems = [
       if (sessionActions) sessionActions.classList.toggle("is-hidden", !logged);
       if (toggleBtn) {
         toggleBtn.classList.toggle("logged", logged);
-        toggleBtn.querySelector("span").textContent = logged ? `${tr("authUserPrefix")}: ${authSession.username}` : tr("authLogin");
+        const badge = logged && authSession.isDonor ? ` ✦` : "";
+        toggleBtn.querySelector("span").textContent = logged ? `${tr("authUserPrefix")}: ${authSession.username}${badge}` : tr("authLogin");
       }
 
       if (logged) {
@@ -1833,6 +1931,7 @@ const defaultExpenseItems = [
         setAuthStatus(tr("authNotAuthenticated"), false);
       }
 
+      applyFeatureGates();
       void syncPresenceTrackState();
     }
 
@@ -2377,6 +2476,7 @@ const defaultExpenseItems = [
       authSession.username = null;
       authSession.userId = null;
       authSession.keyBits = null;
+      authSession.isDonor = false;
       cloudProfileSession.loaded = null;
       cloudProfileSession.history = [];
       updateAuthUi();
@@ -3202,7 +3302,8 @@ const defaultExpenseItems = [
         straordAnn1: num("straordAnn1"),
         straordAnn2: num("straordAnn2"),
         c1SpeseDetails,
-        c2SpeseDetails,
+          c2SpeseDetails,
+          speseConvivenza: num("speseConvivenza"),
         c1SpeseDetailUi,
         c2SpeseDetailUi,
         c1Spese,
@@ -3323,7 +3424,18 @@ const defaultExpenseItems = [
       const post1 = disp1 - assegnoDa1a2 + assegnoDa2a1;
       const post2 = disp2 - assegnoDa2a1 + assegnoDa1a2;
 
-      return {
+        // Separation cost analysis (only active when speseConvivenza > 0)
+        const speseConvivenza = Math.max(0, Number(payload.speseConvivenza || 0));
+        const costoSeparazioneMensile = speseConvivenza > 0 ? speseTot - speseConvivenza : null;
+        const nettoInsiemeCombinato = speseConvivenza > 0 ? (r1 + r2 - speseConvivenza) : null;
+        const nettoSeparatoTotale = post1 + post2;
+        const perditaMensile = nettoInsiemeCombinato !== null ? nettoInsiemeCombinato - nettoSeparatoTotale : null;
+        const perditaAnnua = perditaMensile !== null ? perditaMensile * 12 : null;
+        const totReddito = Math.max(0.001, r1 + r2);
+        const perditaSpouse1 = perditaMensile !== null ? perditaMensile * (r1 / totReddito) : null;
+        const perditaSpouse2 = perditaMensile !== null ? perditaMensile * (r2 / totReddito) : null;
+
+        return {
         r1, r2, r1Raw, r2Raw, incomeMode, figli, perm1, perm2,
         aPerc1, aPag1, aPerc2, aPag2, aFam1, aFam2,
         match12, match21, esternoPag1, esternoPag2,
@@ -3341,7 +3453,11 @@ const defaultExpenseItems = [
         primaCasaConsidered, primaCasaTransfer1to2, primaCasaTransfer2to1,
         compensativeBenefits,
         assegnoDa1a2, assegnoDa2a1,
-        post1, post2
+        post1, post2,
+        speseConvivenza, costoSeparazioneMensile,
+        nettoInsiemeCombinato, nettoSeparatoTotale,
+        perditaMensile, perditaAnnua,
+        perditaSpouse1, perditaSpouse2
       };
     }
 
@@ -3930,7 +4046,7 @@ const defaultExpenseItems = [
     }
 
     function saveCurrentScenario() {
-      if (scenarioLab.length >= SCENARIO_LAB_MAX) {
+      if (scenarioLab.length >= getScenarioMaxForUser()) {
         alert(tr("scenarioLabMaxReached"));
         return;
       }
@@ -4465,6 +4581,57 @@ const defaultExpenseItems = [
       });
     }
 
+    function renderSeparationCostPanel(m) {
+      const panel = document.getElementById("sepCostPanel");
+      if (!panel) return;
+
+      // Update inline hint showing duplication cost
+      const hintDiv = document.getElementById("speseConvivenzaHint");
+      if (hintDiv) {
+        hintDiv.textContent = m.speseConvivenza > 0 && m.costoSeparazioneMensile !== null
+          ? msg("sepCostInlineHint", { amount: eur(m.costoSeparazioneMensile) })
+          : "";
+      }
+
+      if (!m.speseConvivenza || m.speseConvivenza <= 0) {
+        panel.innerHTML = `<div class="sep-cost-warning">${escapeHtml(tr("sepCostWarning"))}</div>`;
+        return;
+      }
+
+      const c1Name = c1n();
+      const c2Name = c2n();
+      const c1NameEsc = escapeHtml(c1Name);
+      const c2NameEsc = escapeHtml(c2Name);
+
+      const lossClass = (v) => v === null ? "" : v > 0 ? "sep-loss-negative" : "sep-loss-positive";
+      const rowHtml = (label, value, em) => {
+        const cls = lossClass(value);
+        const formatted = value === null ? "&mdash;" : eur(value);
+        return `<div class="sep-cost-row${em ? " sep-cost-row--em" : ""}">
+          <span class="sep-cost-label">${label}</span>
+          <strong class="sep-cost-value ${cls}">${formatted}</strong>
+        </div>`;
+      };
+
+      panel.innerHTML = `
+        <div class="sep-cost-panel">
+          <h3 class="sep-cost-title">${escapeHtml(tr("sepCostPanelTitle"))}</h3>
+          <div class="sep-cost-section">
+            ${rowHtml(tr("sepCostNetTogether"), m.nettoInsiemeCombinato, false)}
+            ${rowHtml(tr("sepCostNetSeparated"), m.nettoSeparatoTotale, false)}
+          </div>
+          <div class="sep-cost-divider"></div>
+          <div class="sep-cost-section">
+            ${rowHtml(tr("sepCostDuplication"), m.costoSeparazioneMensile, false)}
+            ${rowHtml(tr("sepCostLossMonthly"), m.perditaMensile, true)}
+            ${rowHtml(tr("sepCostLossAnnually"), m.perditaAnnua, true)}
+            ${rowHtml(msg("sepCostLossSpouse", { spouse: c1NameEsc }), m.perditaSpouse1, false)}
+            ${rowHtml(msg("sepCostLossSpouse", { spouse: c2NameEsc }), m.perditaSpouse2, false)}
+          </div>
+        </div>
+      `;
+    }
+
     function renderAll() {
       const m = computeModel();
       updateExtraordinaryModuleUi();
@@ -4472,6 +4639,7 @@ const defaultExpenseItems = [
       renderLivePanel(m);
       calculate(m);
       renderSpiegabilita(m);
+      renderSeparationCostPanel(m);
       renderScenarioLab();
     }
 
@@ -5303,7 +5471,8 @@ ${scenarioLab.length ? `
         primaCasaAssegnataA: String(document.getElementById("primaCasaAssegnataA")?.value || ""),
         primaCasaMutuoPerc1: num("primaCasaMutuoPerc1"),
         straordAnn1: num("straordAnn1"),
-        straordAnn2: num("straordAnn2")
+        straordAnn2: num("straordAnn2"),
+        speseConvivenza: num("speseConvivenza")
       };
       const spese = expenseItems.map((_, i) => ({
         c1: num(`c1_${i}`),
@@ -5438,10 +5607,12 @@ ${scenarioLab.length ? `
     document.getElementById("btnReset").addEventListener("click", resetAll);
 
     document.getElementById("btnExportJson").addEventListener("click", async () => {
+      if (!isLoggedIn()) { showAuthGateMessage(document.getElementById("btnExportJson")); return; }
       await exportJson();
     });
 
     document.getElementById("btnImportJson").addEventListener("click", () => {
+      if (!isLoggedIn()) { showAuthGateMessage(document.getElementById("btnImportJson")); return; }
       document.getElementById("fileJson").click();
     });
 
@@ -5454,10 +5625,12 @@ ${scenarioLab.length ? `
     });
 
     document.getElementById("btnPdf").addEventListener("click", () => {
+      if (!isLoggedIn()) { showAuthGateMessage(document.getElementById("btnPdf")); return; }
       exportPdfDirect();
     });
 
     document.getElementById("btnSaveScenario").addEventListener("click", () => {
+      if (!isLoggedIn()) { showAuthGateMessage(document.getElementById("btnSaveScenario")); return; }
       saveCurrentScenario();
     });
 

package/backend/calculate-model.js

@@ -125,6 +125,17 @@ function calculateModel(input) {
   const post1 = disp1 - assegnoDa1a2 + assegnoDa2a1;
   const post2 = disp2 - assegnoDa2a1 + assegnoDa1a2;
 
+  // Separation cost analysis (only active when speseConvivenza > 0)
+  const speseConvivenza = Math.max(0, toNumber(input.speseConvivenza));
+  const costoSeparazioneMensile = speseConvivenza > 0 ? speseTot - speseConvivenza : null;
+  const nettoInsiemeCombinato = speseConvivenza > 0 ? (r1 + r2 - speseConvivenza) : null;
+  const nettoSeparatoTotale = post1 + post2;
+  const perditaMensile = nettoInsiemeCombinato !== null ? nettoInsiemeCombinato - nettoSeparatoTotale : null;
+  const perditaAnnua = perditaMensile !== null ? perditaMensile * 12 : null;
+  const totReddito = Math.max(0.001, r1 + r2);
+  const perditaSpouse1 = perditaMensile !== null ? perditaMensile * (r1 / totReddito) : null;
+  const perditaSpouse2 = perditaMensile !== null ? perditaMensile * (r2 / totReddito) : null;
+
   return {
     r1, r2, r1Raw, r2Raw, incomeMode, figli, perm1, perm2,
     aPerc1, aPag1, aPerc2, aPag2, aFam1, aFam2,
@@ -144,7 +155,11 @@ function calculateModel(input) {
     primaCasaConsidered, primaCasaTransfer1to2, primaCasaTransfer2to1,
     compensativeBenefits,
     assegnoDa1a2, assegnoDa2a1,
-    post1, post2
+    post1, post2,
+    speseConvivenza, costoSeparazioneMensile,
+    nettoInsiemeCombinato, nettoSeparatoTotale,
+    perditaMensile, perditaAnnua,
+    perditaSpouse1, perditaSpouse2
   };
 }
 

package/frontend/public/app.js

@@ -26,7 +26,9 @@ const defaultExpenseItems = [
     let selectedScenarioIdx = -1;
     let scenarioTransitionTimer = null;
     const SCENARIO_LAB_MAX = 3;
-    const SCENARIO_LABELS = ["A", "B", "C"];
+    const SCENARIO_LAB_MAX_FREE = 3;
+    const SCENARIO_LAB_MAX_DONOR = 6;
+    const SCENARIO_LABELS = ["A", "B", "C", "D", "E", "F"];
     const EXPENSE_DETAIL_MAX_CHARS = 560;
     const EXPENSE_DETAIL_MAX_LINES = 10;
 
@@ -134,6 +136,11 @@ const defaultExpenseItems = [
         authUserFallback: "utente",
         authLogoutDone: "Logout eseguito.",
         authLoginRequired: "Effettua prima il login.",
+        gateNeedsAuth: "Funzionalità riservata agli utenti registrati. Accedi o registrati per continuare.",
+        gateNeedsAuthTitle: "Accesso richiesto",
+        gateNeedsDonor: "Funzionalità Premium riservata ai donatori. Supporta il progetto per sbloccarla.",
+        gateNeedsDonorTitle: "Funzionalità Premium",
+        gateDonorBadge: "Premium",
         authSaveFailed: "Salvataggio profilo fallito: {message}",
         authCloudSaved: "Profilo cloud salvato. Versioni storiche: {count}.",
         authLoadFailed: "Caricamento profilo fallito: {message}",
@@ -367,6 +374,19 @@ const defaultExpenseItems = [
         spiegDetailPerm: "La quota diretta dipende dai giorni di permanenza presso ciascun coniuge: quota diretta = fabbisogno x permanenza%.",
         spiegDetailResultTransfer: "L'assegno suggerito nasce dal saldo: quota teorica del pagante - quota diretta del pagante. Se il saldo e positivo, viene trasferito all'altro coniuge.",
         spiegDetailResultNoTransfer: "Se nessun saldo risulta positivo, il modello non suggerisce trasferimenti tra coniugi.",
+        sepCostBoxTitle: "💸 Costo della separazione",
+        sepCostBoxNote: "Stima le spese mensili che la coppia avrebbe sostenuto vivendo insieme: il modello calcolerà il costo di duplicazione generato dalla separazione e la perdita economica netta per ciascun coniuge.",
+        lblSpeseConvivenza: "Spese mensili stimate in convivenza ({currency})",
+        hintSpeseConvivenza: "Stima delle spese mensili totali della coppia se non si fosse separata: affitto/mutuo unico, una sola utenza, una sola auto, ecc. Lascia 0 per non includere questa analisi.",
+        sepCostDuplication: "Costo duplicazione mensile",
+        sepCostPanelTitle: "💔 Effetto economico della separazione",
+        sepCostNetTogether: "Netto combinato se insieme",
+        sepCostNetSeparated: "Netto combinato dopo separazione",
+        sepCostLossMonthly: "Perdita economica mensile",
+        sepCostLossAnnually: "Perdita economica annua",
+        sepCostLossSpouse: "Impatto stimato su {spouse}",
+        sepCostInlineHint: "Duplicazione mensile stimata: {amount}",
+        sepCostWarning: "Inserisci le spese mensili in convivenza nel campo sopra per attivare questa analisi.",
         footerVisitorsTotal: "Visitatori totali",
         footerVisitorsActive: "Visitatori attivi",
         footerLoggedUsers: "Utenti loggati",
@@ -455,6 +475,11 @@ const defaultExpenseItems = [
         authUserFallback: "user",
         authLogoutDone: "Logout completed.",
         authLoginRequired: "Please login first.",
+        gateNeedsAuth: "This feature is for registered users only. Log in or sign up to continue.",
+        gateNeedsAuthTitle: "Login required",
+        gateNeedsDonor: "Premium feature for donors. Support the project to unlock it.",
+        gateNeedsDonorTitle: "Premium feature",
+        gateDonorBadge: "Premium",
         authSaveFailed: "Cloud profile save failed: {message}",
         authCloudSaved: "Cloud profile saved. History versions: {count}.",
         authLoadFailed: "Cloud profile load failed: {message}",
@@ -688,6 +713,19 @@ const defaultExpenseItems = [
         spiegDetailPerm: "Direct share depends on permanence days with each spouse: direct share = children needs x permanence%.",
         spiegDetailResultTransfer: "Suggested support comes from the balance: payer theoretical share - payer direct share. If the balance is positive, it is transferred to the other spouse.",
         spiegDetailResultNoTransfer: "If no balance is positive, the model suggests no transfer between spouses.",
+        sepCostBoxTitle: "💸 Cost of separation",
+        sepCostBoxNote: "Estimate the monthly expenses the couple would have incurred if living together: the model will compute the duplication cost generated by the separation and the net economic loss per spouse.",
+        lblSpeseConvivenza: "Estimated monthly expenses when cohabiting ({currency})",
+        hintSpeseConvivenza: "Estimated total monthly expenses of the couple if they had not separated: single rent/mortgage, single utilities, single car, etc. Leave 0 to skip this analysis.",
+        sepCostDuplication: "Monthly duplication cost",
+        sepCostPanelTitle: "💔 Economic effect of separation",
+        sepCostNetTogether: "Combined net if together",
+        sepCostNetSeparated: "Combined net after separation",
+        sepCostLossMonthly: "Monthly economic loss",
+        sepCostLossAnnually: "Annual economic loss",
+        sepCostLossSpouse: "Estimated impact on {spouse}",
+        sepCostInlineHint: "Estimated monthly duplication: {amount}",
+        sepCostWarning: "Enter the cohabiting monthly expenses above to activate this analysis.",
         footerVisitorsTotal: "Total visitors",
         footerVisitorsActive: "Active visitors",
         footerLoggedUsers: "Logged users",
@@ -710,7 +748,8 @@ const defaultExpenseItems = [
     const authSession = {
       username: null,
       userId: null,
-      keyBits: null
+      keyBits: null,
+      isDonor: false
     };
     const authUiState = {
       mode: "login",
@@ -1171,6 +1210,14 @@ const defaultExpenseItems = [
       if (permLegendC2) permLegendC2.textContent = c2n();
       if (extraBoxTitle) extraBoxTitle.textContent = tr("extraBoxTitle");
       if (extraBoxNote) extraBoxNote.textContent = tr("extraBoxNote");
+      const sepCostBoxTitleEl = document.getElementById("sepCostBoxTitle");
+      const sepCostBoxNoteEl = document.getElementById("sepCostBoxNote");
+      const lblSpeseConvivenzaEl = document.getElementById("lblSpeseConvivenza");
+      const hintSpeseConvivenzaEl = document.getElementById("hintSpeseConvivenza");
+      if (sepCostBoxTitleEl) sepCostBoxTitleEl.textContent = tr("sepCostBoxTitle");
+      if (sepCostBoxNoteEl) sepCostBoxNoteEl.textContent = tr("sepCostBoxNote");
+      if (lblSpeseConvivenzaEl) lblSpeseConvivenzaEl.textContent = msg("lblSpeseConvivenza", { currency: currentCurrency });
+      if (hintSpeseConvivenzaEl) hintSpeseConvivenzaEl.title = tr("hintSpeseConvivenza");
       if (firstHomeBoxTitle) firstHomeBoxTitle.textContent = tr("firstHomeBoxTitle");
       if (firstHomeBoxNote) firstHomeBoxNote.textContent = tr("firstHomeBoxNote");
       if (lblPrimaCasaMutuoEnabled) lblPrimaCasaMutuoEnabled.textContent = tr("firstHomeMortgageEnabledLabel");
@@ -1642,6 +1689,7 @@ const defaultExpenseItems = [
       authSession.username = username;
       authSession.userId = user.id;
       authSession.keyBits = await deriveSessionKeyBits(password, user.id);
+      authSession.isDonor = localStorage.getItem(`m_donor_${user.id}`) === "1";
       updateAuthUi();
       return msg("authLoginAs", { username });
     }
@@ -1766,6 +1814,55 @@ const defaultExpenseItems = [
       el.textContent = message;
     }
 
+    function isLoggedIn() { return !!authSession.username; }
+    function isDonationPolicyBypassedUser() {
+      return normalizeUsername(authSession.username) === "favagit";
+    }
+    function isDonorUser() {
+      return !!authSession.isDonor || isDonationPolicyBypassedUser();
+    }
+
+    function getScenarioMaxForUser() {
+      if (!isLoggedIn()) return 0;
+      return isDonorUser() ? SCENARIO_LAB_MAX_DONOR : SCENARIO_LAB_MAX_FREE;
+    }
+
+    function showAuthGateMessage(triggerEl) {
+      setAuthMenuOpen(true);
+      setAuthStatus(tr("gateNeedsAuth"), true);
+      if (triggerEl) {
+        triggerEl.classList.add("gate-flash");
+        setTimeout(() => triggerEl.classList.remove("gate-flash"), 700);
+      }
+    }
+
+    function showDonorGateMessage(triggerEl) {
+      setAuthMenuOpen(true);
+      setAuthStatus(tr("gateNeedsDonor"), true);
+      if (triggerEl) {
+        triggerEl.classList.add("gate-flash");
+        setTimeout(() => triggerEl.classList.remove("gate-flash"), 700);
+      }
+      const donateBanner = document.querySelector(".donate-banner");
+      if (donateBanner) setTimeout(() => donateBanner.scrollIntoView({ behavior: "smooth", block: "center" }), 200);
+    }
+
+    function applyFeatureGates() {
+      const logged = isLoggedIn();
+      const donor = isDonorUser();
+      const authGatedIds = ["btnPdf", "btnExportJson", "btnImportJson", "btnSaveScenario"];
+      authGatedIds.forEach((id) => {
+        const btn = document.getElementById(id);
+        if (!btn) return;
+        btn.classList.toggle("gate-locked", !logged);
+        btn.classList.toggle("gate-donor", logged && !donor && id === "btnSaveScenario" && false); // donor gate placeholder
+      });
+      const authMenuBtn = document.getElementById("btnAuthMenu");
+      if (authMenuBtn) {
+        authMenuBtn.classList.toggle("has-donor-badge", logged && donor);
+      }
+    }
+
     function updateAuthModeUi() {
       const isSignup = authUiState.mode === "signup";
       const loginModeBtn = document.getElementById("btnAuthModeLogin");
@@ -1809,7 +1906,8 @@ const defaultExpenseItems = [
       if (sessionActions) sessionActions.classList.toggle("is-hidden", !logged);
       if (toggleBtn) {
         toggleBtn.classList.toggle("logged", logged);
-        toggleBtn.querySelector("span").textContent = logged ? `${tr("authUserPrefix")}: ${authSession.username}` : tr("authLogin");
+        const badge = logged && authSession.isDonor ? ` ✦` : "";
+        toggleBtn.querySelector("span").textContent = logged ? `${tr("authUserPrefix")}: ${authSession.username}${badge}` : tr("authLogin");
       }
 
       if (logged) {
@@ -1833,6 +1931,7 @@ const defaultExpenseItems = [
         setAuthStatus(tr("authNotAuthenticated"), false);
       }
 
+      applyFeatureGates();
       void syncPresenceTrackState();
     }
 
@@ -2377,6 +2476,7 @@ const defaultExpenseItems = [
       authSession.username = null;
       authSession.userId = null;
       authSession.keyBits = null;
+      authSession.isDonor = false;
       cloudProfileSession.loaded = null;
       cloudProfileSession.history = [];
       updateAuthUi();
@@ -3202,7 +3302,8 @@ const defaultExpenseItems = [
         straordAnn1: num("straordAnn1"),
         straordAnn2: num("straordAnn2"),
         c1SpeseDetails,
-        c2SpeseDetails,
+          c2SpeseDetails,
+          speseConvivenza: num("speseConvivenza"),
         c1SpeseDetailUi,
         c2SpeseDetailUi,
         c1Spese,
@@ -3323,7 +3424,18 @@ const defaultExpenseItems = [
       const post1 = disp1 - assegnoDa1a2 + assegnoDa2a1;
       const post2 = disp2 - assegnoDa2a1 + assegnoDa1a2;
 
-      return {
+        // Separation cost analysis (only active when speseConvivenza > 0)
+        const speseConvivenza = Math.max(0, Number(payload.speseConvivenza || 0));
+        const costoSeparazioneMensile = speseConvivenza > 0 ? speseTot - speseConvivenza : null;
+        const nettoInsiemeCombinato = speseConvivenza > 0 ? (r1 + r2 - speseConvivenza) : null;
+        const nettoSeparatoTotale = post1 + post2;
+        const perditaMensile = nettoInsiemeCombinato !== null ? nettoInsiemeCombinato - nettoSeparatoTotale : null;
+        const perditaAnnua = perditaMensile !== null ? perditaMensile * 12 : null;
+        const totReddito = Math.max(0.001, r1 + r2);
+        const perditaSpouse1 = perditaMensile !== null ? perditaMensile * (r1 / totReddito) : null;
+        const perditaSpouse2 = perditaMensile !== null ? perditaMensile * (r2 / totReddito) : null;
+
+        return {
         r1, r2, r1Raw, r2Raw, incomeMode, figli, perm1, perm2,
         aPerc1, aPag1, aPerc2, aPag2, aFam1, aFam2,
         match12, match21, esternoPag1, esternoPag2,
@@ -3341,7 +3453,11 @@ const defaultExpenseItems = [
         primaCasaConsidered, primaCasaTransfer1to2, primaCasaTransfer2to1,
         compensativeBenefits,
         assegnoDa1a2, assegnoDa2a1,
-        post1, post2
+        post1, post2,
+        speseConvivenza, costoSeparazioneMensile,
+        nettoInsiemeCombinato, nettoSeparatoTotale,
+        perditaMensile, perditaAnnua,
+        perditaSpouse1, perditaSpouse2
       };
     }
 
@@ -3930,7 +4046,7 @@ const defaultExpenseItems = [
     }
 
     function saveCurrentScenario() {
-      if (scenarioLab.length >= SCENARIO_LAB_MAX) {
+      if (scenarioLab.length >= getScenarioMaxForUser()) {
         alert(tr("scenarioLabMaxReached"));
         return;
       }
@@ -4465,6 +4581,57 @@ const defaultExpenseItems = [
       });
     }
 
+    function renderSeparationCostPanel(m) {
+      const panel = document.getElementById("sepCostPanel");
+      if (!panel) return;
+
+      // Update inline hint showing duplication cost
+      const hintDiv = document.getElementById("speseConvivenzaHint");
+      if (hintDiv) {
+        hintDiv.textContent = m.speseConvivenza > 0 && m.costoSeparazioneMensile !== null
+          ? msg("sepCostInlineHint", { amount: eur(m.costoSeparazioneMensile) })
+          : "";
+      }
+
+      if (!m.speseConvivenza || m.speseConvivenza <= 0) {
+        panel.innerHTML = `<div class="sep-cost-warning">${escapeHtml(tr("sepCostWarning"))}</div>`;
+        return;
+      }
+
+      const c1Name = c1n();
+      const c2Name = c2n();
+      const c1NameEsc = escapeHtml(c1Name);
+      const c2NameEsc = escapeHtml(c2Name);
+
+      const lossClass = (v) => v === null ? "" : v > 0 ? "sep-loss-negative" : "sep-loss-positive";
+      const rowHtml = (label, value, em) => {
+        const cls = lossClass(value);
+        const formatted = value === null ? "&mdash;" : eur(value);
+        return `<div class="sep-cost-row${em ? " sep-cost-row--em" : ""}">
+          <span class="sep-cost-label">${label}</span>
+          <strong class="sep-cost-value ${cls}">${formatted}</strong>
+        </div>`;
+      };
+
+      panel.innerHTML = `
+        <div class="sep-cost-panel">
+          <h3 class="sep-cost-title">${escapeHtml(tr("sepCostPanelTitle"))}</h3>
+          <div class="sep-cost-section">
+            ${rowHtml(tr("sepCostNetTogether"), m.nettoInsiemeCombinato, false)}
+            ${rowHtml(tr("sepCostNetSeparated"), m.nettoSeparatoTotale, false)}
+          </div>
+          <div class="sep-cost-divider"></div>
+          <div class="sep-cost-section">
+            ${rowHtml(tr("sepCostDuplication"), m.costoSeparazioneMensile, false)}
+            ${rowHtml(tr("sepCostLossMonthly"), m.perditaMensile, true)}
+            ${rowHtml(tr("sepCostLossAnnually"), m.perditaAnnua, true)}
+            ${rowHtml(msg("sepCostLossSpouse", { spouse: c1NameEsc }), m.perditaSpouse1, false)}
+            ${rowHtml(msg("sepCostLossSpouse", { spouse: c2NameEsc }), m.perditaSpouse2, false)}
+          </div>
+        </div>
+      `;
+    }
+
     function renderAll() {
       const m = computeModel();
       updateExtraordinaryModuleUi();
@@ -4472,6 +4639,7 @@ const defaultExpenseItems = [
       renderLivePanel(m);
       calculate(m);
       renderSpiegabilita(m);
+      renderSeparationCostPanel(m);
       renderScenarioLab();
     }
 
@@ -5303,7 +5471,8 @@ ${scenarioLab.length ? `
         primaCasaAssegnataA: String(document.getElementById("primaCasaAssegnataA")?.value || ""),
         primaCasaMutuoPerc1: num("primaCasaMutuoPerc1"),
         straordAnn1: num("straordAnn1"),
-        straordAnn2: num("straordAnn2")
+        straordAnn2: num("straordAnn2"),
+        speseConvivenza: num("speseConvivenza")
       };
       const spese = expenseItems.map((_, i) => ({
         c1: num(`c1_${i}`),
@@ -5438,10 +5607,12 @@ ${scenarioLab.length ? `
     document.getElementById("btnReset").addEventListener("click", resetAll);
 
     document.getElementById("btnExportJson").addEventListener("click", async () => {
+      if (!isLoggedIn()) { showAuthGateMessage(document.getElementById("btnExportJson")); return; }
       await exportJson();
     });
 
     document.getElementById("btnImportJson").addEventListener("click", () => {
+      if (!isLoggedIn()) { showAuthGateMessage(document.getElementById("btnImportJson")); return; }
       document.getElementById("fileJson").click();
     });
 
@@ -5454,10 +5625,12 @@ ${scenarioLab.length ? `
     });
 
     document.getElementById("btnPdf").addEventListener("click", () => {
+      if (!isLoggedIn()) { showAuthGateMessage(document.getElementById("btnPdf")); return; }
       exportPdfDirect();
     });
 
     document.getElementById("btnSaveScenario").addEventListener("click", () => {
+      if (!isLoggedIn()) { showAuthGateMessage(document.getElementById("btnSaveScenario")); return; }
       saveCurrentScenario();
     });
 

package/frontend/public/index.html

@@ -414,6 +414,20 @@
             </div>
           </div>
 
+          <div class="extra-box extra-box-sep-cost" id="sepCostBox">
+            <div class="extra-box-title" id="sepCostBoxTitle">💸 Costo della separazione</div>
+            <div class="extra-box-note" id="sepCostBoxNote">Stima le spese mensili che la coppia avrebbe sostenuto vivendo insieme: il modello calcolerà il costo di duplicazione generato dalla separazione e la perdita economica netta per ciascun coniuge.</div>
+            <div class="extra-grid">
+              <div class="field">
+                <label for="speseConvivenza" class="label-row"><span id="lblSpeseConvivenza">Spese mensili stimate in convivenza ({currency})</span>
+                  <span class="hint" id="hintSpeseConvivenza" title="Stima delle spese mensili totali della coppia se non si fosse separata: affitto/mutuo unico, una sola utenza, una sola auto, ecc. Lascia 0 per non includere questa analisi.">i</span>
+                </label>
+                <input id="speseConvivenza" type="number" min="0" step="50" value="0" />
+                <div class="extra-monthly" id="speseConvivenzaHint" style="color:#c05a00"></div>
+              </div>
+            </div>
+          </div>
+
 
           <p class="spese-count-title" id="speseCountNote">
             Elenco spese compilabili.
@@ -481,6 +495,8 @@
             <div id="liveBreakdown"></div>
           </div>
 
+          <div id="sepCostPanel"></div>
+
           <div class="kpi" id="kpi"></div>
 
           <details id="formulaDetails">
@@ -583,7 +599,7 @@
   <script src="supabase.min.js"></script>
   <script src="fabric.min.js"></script>
   <script src="html2pdf.bundle.min.js"></script>
-    <script src="app.js?v=2.1.8"></script>
+    <script src="app.js?v=2.2.0"></script>
 </body>
 </html>
 

package/frontend/public/styles.css

@@ -1388,6 +1388,37 @@
       border: 1px solid #c6cdc3;
     }
 
+    /* ── Feature gate ─────────────────────────────────────────────── */
+    .gate-locked {
+      position: relative;
+      opacity: 0.62;
+      cursor: pointer;
+    }
+
+    .gate-locked::after {
+      content: "\uD83D\uDD12";
+      position: absolute;
+      top: 2px;
+      right: 4px;
+      font-size: 0.65rem;
+      line-height: 1;
+      pointer-events: none;
+    }
+
+    .gate-locked:hover {
+      opacity: 0.85;
+    }
+
+    @keyframes gate-flash-anim {
+      0%   { outline: 2px solid transparent; }
+      30%  { outline: 2px solid #d04a2f; box-shadow: 0 0 0 3px rgba(208,74,47,0.22); }
+      100% { outline: 2px solid transparent; }
+    }
+
+    .gate-flash {
+      animation: gate-flash-anim 0.65s ease forwards;
+    }
+
     /* ── Scenario Lab ─────────────────────────────────────────────── */
     .scenario-lab-card {
       margin-top: 14px;
@@ -1725,8 +1756,8 @@
 
     .spieg-benefit-card {
       display: grid;
-      grid-template-columns: 28px 1fr auto;
-      align-items: center;
+      grid-template-columns: 28px minmax(0, 1fr) auto;
+      align-items: start;
       gap: 8px;
       padding: 8px 10px;
       border-radius: 10px;
@@ -1754,6 +1785,8 @@
       font-weight: 600;
       color: #1f4642;
       word-break: break-word;
+      min-width: 0;
+      padding-top: 5px;
     }
 
     .spieg-benefit-amount {
@@ -1788,6 +1821,83 @@
       font-variant-numeric: tabular-nums;
     }
 
+      .sep-cost-warning {
+        margin-top: 10px;
+        border-radius: 12px;
+        border: 1px dashed #d8b26d;
+        background: linear-gradient(135deg, #fff7e7, #fff1d7);
+        color: #835209;
+        font-size: 0.86rem;
+        font-weight: 700;
+        padding: 10px 12px;
+      }
+
+      .sep-cost-panel {
+        margin-top: 10px;
+        border-radius: 14px;
+        border: 1.5px solid #e2a5a5;
+        background: linear-gradient(145deg, #fff5f3, #ffeceb 52%, #fff6f0);
+        box-shadow: 0 8px 22px rgba(130, 33, 33, 0.12);
+        padding: 12px;
+      }
+
+      .sep-cost-title {
+        margin: 0 0 8px;
+        font-size: 0.98rem;
+        font-weight: 900;
+        color: #842d2d;
+        letter-spacing: 0.2px;
+      }
+
+      .sep-cost-section {
+        display: grid;
+        gap: 7px;
+      }
+
+      .sep-cost-divider {
+        height: 1px;
+        margin: 8px 0;
+        background: linear-gradient(90deg, rgba(153,33,33,0), rgba(153,33,33,0.28), rgba(153,33,33,0));
+      }
+
+      .sep-cost-row {
+        display: flex;
+        justify-content: space-between;
+        align-items: center;
+        gap: 10px;
+        border-radius: 9px;
+        padding: 7px 9px;
+        border: 1px solid rgba(145, 42, 42, 0.13);
+        background: rgba(255, 255, 255, 0.72);
+      }
+
+      .sep-cost-row--em {
+        background: linear-gradient(120deg, rgba(255, 228, 226, 0.86), rgba(255, 241, 225, 0.88));
+        border-color: rgba(180, 72, 43, 0.32);
+      }
+
+      .sep-cost-label {
+        font-size: 0.82rem;
+        color: #6a3939;
+        font-weight: 700;
+      }
+
+      .sep-cost-value {
+        font-size: 0.94rem;
+        font-weight: 900;
+        font-variant-numeric: tabular-nums;
+        white-space: nowrap;
+        color: #5d2e2e;
+      }
+
+      .sep-loss-negative {
+        color: #9b1f1f;
+      }
+
+      .sep-loss-positive {
+        color: #0d7a57;
+      }
+
     @page {
       size: A4 landscape;
       margin: 8mm;
@@ -2209,7 +2319,6 @@
       box-shadow: 0 12px 26px rgba(17, 70, 64, 0.16);
       margin-bottom: 10px;
       position: relative;
-      overflow: hidden;
     }
 
     .result-pill::after {

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "mantenimento-app",
-  "version": "2.1.8",
+  "version": "2.2.0",
   "description": "Frontend + backend architecture for the mantenimento calculator",
   "type": "commonjs",
   "main": "backend/calculate-model.js",