/* A-LINE standalone calculator. Generated by build-standalone.mjs. */
(()=>{
"use strict";
const defaults={price:4000,totalLoan:3600,fees:230,inspection:10,upgrade:60,savings:1200,term:35,method:'annuity',rate:1,rateMode:'variable',rates:[{year:6,rate:1.5},{year:11,rate:2},{year:21,rate:2.5}],income:40,partner:15,other:0,wage:1,partnerGrowth:1,otherGrowth:0,incomeChangeYear:21,incomeChange:0,life:25,education:3,educationEnd:15,inflation:2,tax:15,taxGrowth:0,insurance:5,management:0,reserve:0,parking:0,managementGrowth:2,property:'house',repairs:[{name:'給湯器・設備更新',year:10,amount:35},{name:'外壁・屋根のメンテナンス',year:15,amount:160},{name:'水回り・設備更新',year:20,amount:100},{name:'外壁・屋根のメンテナンス',year:30,amount:160}]};
function payment(p,r,n){if(p<=0||n<=0)return 0;return r===0?p/n:p*r/(1-Math.pow(1+r,-n));}
function validate(s){const errors=[];const ranges={price:[0,100000],totalLoan:[0,130000],fees:[0,10000],inspection:[0,10000],upgrade:[0,10000],savings:[0,100000],term:[1,50],rate:[0,20],income:[0,1000],partner:[0,1000],other:[0,1000],wage:[-10,10],partnerGrowth:[-10,10],otherGrowth:[-10,10],incomeChangeYear:[1,50],incomeChange:[-1000,1000],life:[0,1000],education:[0,1000],educationEnd:[0,50],inflation:[-5,15],tax:[0,1000],taxGrowth:[-5,15],insurance:[0,1000],management:[0,1000],reserve:[0,1000],parking:[0,1000],managementGrowth:[-5,15]};
for(const [k,[min,max]] of Object.entries(ranges))if(!Number.isFinite(s[k])||s[k]<min||s[k]>max)errors.push(k);
if(s.totalLoan>s.price+s.fees+s.inspection+s.upgrade+1e-8)errors.push('総借入額は購入総額以下にしてください。借り入れる諸費用・調査費・性能向上費も入力してください');
for(const k of ['term','incomeChangeYear','educationEnd'])if(!Number.isInteger(s[k]))errors.push(k+'は整数');
if(!['annuity','principal'].includes(s.method)||!['fixed','variable'].includes(s.rateMode))errors.push('返済方式');
const yrs=new Set();for(const x of s.rates){if(!Number.isInteger(x.year)||x.year<2||x.year>50||!Number.isFinite(x.rate)||x.rate<0||x.rate>20||yrs.has(x.year))errors.push('金利変更年は重複しない2〜50年、金利は0〜20%');yrs.add(x.year);}
for(const x of s.repairs)if(!Number.isInteger(x.year)||x.year<1||x.year>50||!Number.isFinite(x.amount)||x.amount<0||x.amount>10000)errors.push('修繕は1〜50年、0〜10,000万円');return errors;}
function simulate(s){const errors=validate(s);if(errors.length)throw new Error(errors.join(' / '));const Y=10000,acquisition=(s.price+s.fees+s.inspection+s.upgrade)*Y,p=s.totalLoan*Y,N=s.term*12,initial=Math.max(0,acquisition-p);let balance=p,cash=s.savings*Y-initial,rate=s.rate,pay=payment(p,rate/1200,N);const months=[],years=[];const changes=[...s.rates].sort((a,b)=>a.year-b.year);
for(let m=1;m<=Math.max(360,N);m++){const year=Math.ceil(m/12),t=year-1;const newRate=s.rateMode==='fixed'?s.rate:changes.filter(x=>x.year<=year).at(-1)?.rate??s.rate;
if(newRate!==rate){rate=newRate;pay=payment(balance,rate/1200,N-m+1);}const interest=m<=N?balance*rate/1200:0;const principal=m<=N?Math.min(balance,s.method==='principal'?p/N:Math.max(0,pay-interest)):0;const repayment=principal+interest;balance=Math.max(0,balance-principal);if(balance<0.00001)balance=0;
const income=Math.max(0,s.income*Math.pow(1+s.wage/100,t)+s.partner*Math.pow(1+s.partnerGrowth/100,t)+s.other*Math.pow(1+s.otherGrowth/100,t)+(year>=s.incomeChangeYear?s.incomeChange:0))*Y;
const inflation=Math.pow(1+s.inflation/100,t);const life=s.life*Y*inflation;const education=year<=s.educationEnd?s.education*Y*inflation:0;const tax=s.tax*Y*Math.pow(1+s.taxGrowth/100,t)/12,insurance=s.insurance*Y*inflation/12;
const management=s.management*Y*Math.pow(1+s.managementGrowth/100,t),reserve=s.reserve*Y*Math.pow(1+s.managementGrowth/100,t),parking=s.parking*Y*inflation;
const repair=m%12===0?s.repairs.filter(x=>x.year===year).reduce((a,x)=>a+x.amount*Y*inflation,0):0;
const housing=repayment+tax+insurance+management+reserve+parking+repair,spending=housing+life+education,surplus=income-spending;cash+=surplus;
months.push({m,year,rate,repayment,principal,interest,balance,income,life,education,tax,insurance,management,reserve,parking,repair,housing,spending,surplus,cash});
if(m%12===0){const rows=months.slice(-12),a={year,rate,balance,cash,monthlyPayment:rows[11].repayment};for(const k of ['repayment','principal','interest','income','life','education','tax','insurance','management','reserve','parking','repair','housing','spending','surplus'])a[k]=rows.reduce((sum,x)=>sum+x[k],0);years.push(a);}}
const at=(h)=>{const rows=months.slice(0,h*12),sum=k=>rows.reduce((a,x)=>a+x[k],0);return{h,initial,principal:sum('principal'),interest:sum('interest'),repayment:sum('repayment'),holding:sum('tax')+sum('insurance')+sum('management')+sum('reserve')+sum('parking'),repair:sum('repair'),housing:initial+sum('housing'),life:sum('life')+sum('education'),income:sum('income'),balance:rows.at(-1).balance,cash:rows.at(-1).cash,minCash:Math.min(s.savings*Y-initial,...rows.map(x=>x.cash)),maxPayment:Math.max(...rows.map(x=>x.repayment)),firstDeficit:s.savings*Y-initial<0?0:rows.find(x=>x.cash<0)?.m??null};};
return{months,years,acquisition,initial,loan:p,openingCash:s.savings*Y-initial,firstPayment:months[0].repayment,lifetimeRepayment:months.slice(0,N).reduce((a,x)=>a+x.repayment,0),lifetimeInterest:months.slice(0,N).reduce((a,x)=>a+x.interest,0),at};}

// Shared data charts and A4 report. All monetary values passed here are yen.
const escapeText=s=>String(s).replace(/[&<>"']/g,c=>({'&':'&amp;','<':'&lt;','>':'&gt;','"':'&quot;',"'":'&#39;'}[c]));
const amount=(v,d=1)=>new Intl.NumberFormat('ja-JP',{maximumFractionDigits:d,minimumFractionDigits:d}).format(v/10000);
const number=v=>new Intl.NumberFormat('ja-JP',{maximumFractionDigits:2}).format(v);
function detailCharts(rows,monthly=false){
 const names=rows.map(r=>monthly?((r.m-1)%12+1)+'月':r.year+'年');
 const chart=(kind)=>{
  const W=720,H=250,L=76,R=16,T=26,B=38,pw=W-L-R,ph=H-T-B,n=rows.length;
  const series=kind==='loan'?[['principal','元金','#0085c6'],['interest','利息','#e4a242']]:[['income','手取り収入','#0085c6'],['spending','総支出','#b66b38'],['surplus','家計収支','#6864a7']];
  const values=kind==='loan'?rows.map(r=>r.repayment):rows.flatMap(r=>series.map(([k])=>r[k]));
  const low=Math.min(0,...values),high=Math.max(10000,...values),pad=(high-low)*.08,min=low<0?low-pad:0,max=high+pad;
  const y=v=>T+(max-v)/(max-min)*ph,x=i=>L+(i+.5)*pw/n;
  const title=kind==='loan'?'ローン返済の内訳':'収入・支出と家計収支';
  let svg=`<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 ${W} ${H}" role="img" aria-label="${title}。${monthly?'月次':'年次'}の正確な数値は明細表に掲載。"><text x="8" y="16" font-size="14" fill="#556d7b">万円 / ${monthly?'月':'年'}</text>`;
  for(let i=0;i<=4;i++){const v=min+(max-min)*i/4;svg+=`<line x1="${L}" y1="${y(v)}" x2="${W-R}" y2="${y(v)}" stroke="#d5e6ef"/><text x="${L-9}" y="${y(v)+5}" text-anchor="end" fill="#556d7b" font-size="14">${amount(v,0)}</text>`;}
  if(min<0)svg+=`<line x1="${L}" y1="${y(0)}" x2="${W-R}" y2="${y(0)}" stroke="#8697a0" stroke-dasharray="3 3"/>`;
  if(kind==='loan'){const bw=Math.min(32,pw/n*.64);rows.forEach((r,i)=>{let base=0;for(const [k,label,color]of series){svg+=`<rect x="${x(i)-bw/2}" y="${y(base+r[k])}" width="${bw}" height="${Math.max(0,y(base)-y(base+r[k]))}" fill="${color}"><title>${names[i]} ${label} ${amount(r[k])}万円</title></rect>`;base+=r[k];}});}else{series.forEach(([k,label,color],j)=>{svg+=`<path d="${rows.map((r,i)=>(i?'L':'M')+x(i)+','+y(r[k])).join(' ')}" fill="none" stroke="${color}" stroke-width="2.5" ${j===2?'stroke-dasharray="5 4"':''}/>`;rows.forEach((r,i)=>{svg+=`<circle cx="${x(i)}" cy="${y(r[k])}" r="3.5" fill="${color}"><title>${names[i]} ${label} ${amount(r[k])}万円</title></circle>`;});});}
  rows.forEach((r,i)=>{if(i===0||i===n-1||(i+1)%(n>20?5:n>12?2:1)===0)svg+=`<text x="${x(i)}" y="${H-10}" text-anchor="middle" fill="#556d7b" font-size="14">${names[i]}</text>`;});
  return `<div class="detail-figure"><h4>${title}</h4><div class="chart-scroll">${svg}</svg></div><div class="detail-legend">${series.map(([k,label,color])=>`<span><i style="background:${color}"></i>${label}${k==='surplus'?'（破線）':''}</span>`).join('')}</div></div>`;
 };
 return chart('loan')+chart('budget');
}
function printReport(s,r,horizon,view,year,groups,overviewChart){
 const a=r.at(horizon),monthly=view==='monthly',rows=monthly?r.months.filter(x=>x.year===year):r.years.slice(0,horizon),scope=monthly?year+'年目・月次（12か月）':horizon+'年間・年次';
 const header=title=>`<div class="report-heading"><img src="aline-logo.jpg" width="145" height="28" alt="A-LINE"><span>住まいの長期資金計画</span></div><h1>${title}</h1>`;
 const page=(title,content)=>`<section class="print-page">${header(title)}${content}<p class="report-foot">株式会社A-LINE ｜ 入力条件による参考試算。金額は名目額・表示時に四捨五入。</p></section>`;
 const summary=[['購入総額',r.acquisition],['総借入額',r.loan],['購入時の自己資金',r.initial],['購入直後の金融資金',r.openingCash]];
 const pairTable=pairs=>'<table class="report-pairs"><tbody>'+pairs.map(([label,value])=>`<tr><th>${escapeText(label)}</th><td>${value}</td></tr>`).join('')+'</tbody></table>';
 const compares=[10,20,30].map(h=>r.at(h));
 const comparison='<table><thead><tr><th>項目（万円）</th><th>10年</th><th>20年</th><th>30年</th></tr></thead><tbody>'+[['住まい総支出','housing'],['うち利息','interest'],['生活・教育費','life'],['手取り収入合計','income'],['ローン残高','balance'],['金融資金','cash']].map(([label,k])=>`<tr><th>${label}</th>${compares.map(v=>`<td>${amount(v[k])}</td>`).join('')}</tr>`).join('')+'</tbody></table>';
 let out=page('試算結果のまとめ',`<p class="report-meta">表示期間：${horizon}年 ／ 明細：${scope} ／ 作成日：${new Date().toLocaleDateString('ja-JP')}</p><div class="report-kpis"><div><span>${horizon}年間の住まい総支出</span><b>${amount(a.housing)}万円</b></div><div><span>当初の毎月返済額</span><b>${amount(r.firstPayment)}万円</b></div><div><span>${horizon}年後の金融資金</span><b>${amount(a.cash)}万円</b></div></div><h2>購入時の資金内訳</h2>${pairTable(summary.map(([l,v])=>[l,amount(v)+'万円']))}<p>購入時自己資金＝購入総額-総借入額。購入総額には諸費用・調査・性能向上費を含みます。</p><h2>金融資金とローン残高</h2><div class="report-overview">${overviewChart}</div><p class="report-legend">実線：金融資金 ／ 破線：ローン残高</p><h2>10年・20年・30年の比較</h2>${comparison}<p>${a.firstDeficit===null?'この条件では、表示期間中の金融資金はマイナスになりません。':a.firstDeficit===0?'購入時に金融資金が不足します。':Math.ceil(a.firstDeficit/12)+'年目の'+((a.firstDeficit-1)%12+1)+'か月目に金融資金がマイナスになります。'} 期間内の最低金融資金：${amount(a.minCash)}万円。</p>`);
 const conditions=groups.map(([title,open,fields])=>'<div class="condition-group"><h2>'+escapeText(title)+'</h2>'+pairTable(fields.map(([key,label,unit,options])=>[label,unit==='select'?escapeText(options.find(x=>x[0]===s[key])?.[1]??s[key]):number(s[key])+' '+unit]))+'</div>').join('');
 const rateRows=(s.rateMode==='fixed'?[]:s.rates).map(x=>['金利変更：'+x.year+'年目から',number(x.rate)+'%']);
 out+=page('入力条件・メンテナンス計画',`<div class="report-conditions">${conditions}<div class="condition-group"><h2>金利変更の予定</h2>${rateRows.length?pairTable(rateRows):'<p>当初の年利を全期間適用。</p>'}<h2>メンテナンス計画</h2>${s.repairs.length?pairTable(s.repairs.map(x=>[x.year+'年目：'+x.name,number(x.amount)+'万円'])):'<p>設定なし</p>'}<p>修繕は現在価格。実施年までの物価上昇を加算。</p></div></div>`);
 out+=page('年次・月次のグラフ',`<p class="report-meta">${scope} ／ 単位：万円${monthly?' / 月':' / 年'}</p>${detailCharts(rows,monthly)}<p>総支出＝ローン返済＋税・保険・管理・修繕等＋生活・教育費。購入時の自己資金 ${amount(r.initial)}万円は別計上。家計収支＝手取り収入-総支出。</p><h2>計算の前提</h2><p>総借入額 ${amount(r.loan)}万円、${s.term}年返済、${s.method==='annuity'?'元利均等':'元金均等'}。完済までのローン総返済額 ${amount(r.lifetimeRepayment)}万円（うち利息 ${amount(r.lifetimeInterest)}万円）。表示期間の総支出とは集計範囲が異なります。</p><p>金利変更時に残高・残期間で返済額を再計算。5年・125%ルールは対象外。税・保険は月割り、修繕は指定年の12か月目。物価・収入の増加は2年目から年1回反映。控除・補助金・売却・運用益・繰上返済・ボーナス返済は含みません。初期値はサンプルであり、融資可否や将来額を保証しません。</p>`);
 const sets=[['返済・ローン残高',[['rate','年利 %'],['repayment','返済額'],['principal','元金'],['interest','利息'],['balance','期末残高']]],['家計・金融資金',[['income','手取り'],['life','生活費'],['education','教育等'],['spending','総支出'],['surplus','家計収支'],['cash','期末資金']]],['税・保険・管理・修繕',[['tax','税'],['insurance','保険'],['management','管理費'],['reserve','積立金'],['parking','駐車場'],['repair','個別修繕']]]];
 for(const [title,cols]of sets){out+=page(title+'の明細',`<p class="report-meta">${scope} ／ 金額：万円 ／ 残高・金融資金は各${monthly?'月':'年'}末</p><table class="report-detail"><thead><tr><th>期間</th>${cols.map(x=>'<th>'+x[1]+'</th>').join('')}</tr></thead><tbody>${rows.map(x=>`<tr><th>${monthly?((x.m-1)%12+1)+'か月目':x.year+'年目'}</th>${cols.map(([k])=>`<td>${k==='rate'?number(x[k]):amount(x[k])}</td>`).join('')}</tr>`).join('')}</tbody></table><p>購入時の自己資金 ${amount(r.initial)}万円は上表の支出に含めません。金融資金は購入直後の残額を起点に計算します。</p>`);}
 return out;
}



let state=structuredClone(defaults),horizon=30,view='annual',detailYear=1,result;const $=s=>document.querySelector(s);const esc=s=>String(s).replace(/[&<>"']/g,c=>({'&':'&amp;','<':'&lt;','>':'&gt;','"':'&quot;',"'":'&#39;'}[c]));const num=(n,d=0)=>new Intl.NumberFormat('ja-JP',{maximumFractionDigits:d,minimumFractionDigits:d}).format(n);const man=(n,d=0)=>num(n/10000,d);const money=n=>man(n,1)+'万円';
const groups=[
['01 購入・総借入額',true,[['property','物件タイプ','select',[['house','戸建て'],['condo','マンション']]],['price','物件価格','万円',0,100000,50],['totalLoan','総借入額（諸費用分を含む）','万円',0,130000,10],['fees','購入諸費用','万円',0,10000,1],['inspection','建物状況調査','万円',0,10000,1],['upgrade','入居時の性能向上等','万円',0,10000,1],['savings','購入前の金融資金','万円',0,100000,10]],'総借入額は諸費用分も含めた借入希望額。自己資金は購入総額との差額から自動計算します。諸費用に調査・性能向上費を重複計上しないでください。借入全体に同じ金利・返済期間を適用します。'],
['02 ローン・金利',true,[['term','返済期間','年',1,50,1],['rate','当初の年利','%',0,20,.1],['method','返済方式','select',[['annuity','元利均等'],['principal','元金均等']]],['rateMode','金利の設定','select',[['variable','変更年を指定'],['fixed','全期間一定']]]],'金利変更年から新しい金利を適用。5年・125%ルールは使わず、返済額を即時見直します。'],
['03 手取り収入・成長率',false,[['income','本人の月収（手取り）','万円',0,1000,1],['wage','本人の年間増加率','%',-10,10,.1],['partner','配偶者等の月収（手取り）','万円',0,1000,1],['partnerGrowth','配偶者等の年間増加率','%',-10,10,.1],['other','その他の月収（手取り）','万円',0,1000,1],['otherGrowth','その他収入の年間増加率','%',-10,10,.1],['incomeChangeYear','家計収入の変更開始','年目',1,50,1],['incomeChange','開始後の月額増減','万円',-1000,1000,1]],'開始後の月額増減は、成長後の合計収入に固定額で加減。退職などの減収はマイナスを入力。合計収入の下限は0円。'],
['04 生活費・インフレ',false,[['life','月の基本生活費','万円',0,1000,1],['inflation','年間の物価上昇率','%',-5,15,.1],['education','月の教育・期間限定費','万円',0,1000,1],['educationEnd','期間限定費の終了','年目',0,50,1]],'基本生活費は食費・光熱費・通信・車・娯楽など。住宅費・教育費を含めず入力。終了年までは教育費を計上。'],
['05 保有・維持費',false,[['tax','固定資産税等（年額）','万円',0,1000,1],['taxGrowth','税額の年間増加率','%',-5,15,.1],['insurance','火災・地震保険（年額）','万円',0,1000,.1],['management','管理費（月額）','万円',0,1000,.1],['reserve','修繕積立金（月額）','万円',0,1000,.1],['managementGrowth','管理費・積立金の年増加率','%',-5,15,.1],['parking','駐車場（月額）','万円',0,1000,.1]],'税は独立した増加率、保険・駐車場は物価上昇率を適用。戸建ての自主的な修繕貯蓄は支出にせず、修繕年に計上。']];
function field(f){const[k,label,unit,min,max,step]=f;if(unit==='select')return `<div class="field ${k==='property'?'full':''}"><label for="${k}">${label}</label><select id="${k}" data-key="${k}">${min.map(([v,t])=>`<option value="${v}" ${state[k]===v?'selected':''}>${t}</option>`).join('')}</select></div>`;return `<div class="field ${k==='totalLoan'?'full loan-field':''}"><label for="${k}">${label}</label><div class="input-wrap"><input id="${k}" data-key="${k}" type="number" value="${state[k]}" min="${min}" max="${max}" step="${step}" inputmode="decimal"><span class="unit">${unit}</span></div></div>`;}
function renderInputs(){ $('#inputs').innerHTML=groups.map(([title,open,fs,hint],i)=>`<details class="input-section" ${open?'open':''}><summary>${title}</summary><div class="fields">${fs.map(field).join('')}</div>${i===1?'<div id="rate-events"></div>':''}<p class="hint">${hint}</p></details>`).join('')+`<details class="input-section" open><summary>06 メンテナンス計画</summary><p class="hint">現在価格で入力。実施年の物価上昇を反映します。物件タイプ変更時は参考例に置き換わります。</p><div id="repair-events"></div></details>`;renderEvents();}
function renderEvents(){ $('#rate-events').innerHTML=state.rateMode==='variable'?'<div class="repair-head"><span>適用開始</span><span>年目</span><span>年利 %</span><span></span></div>'+state.rates.map((r,i)=>`<div class="repair-row"><span class="small">金利変更 ${i+1}</span><input aria-label="金利変更${i+1}の開始年" type="number" min="2" max="50" step="1" data-rate="${i}" data-prop="year" value="${r.year}"><input aria-label="変更後金利${i+1}" type="number" min="0" max="20" step="0.1" data-rate="${i}" data-prop="rate" value="${r.rate}"><button data-remove-rate="${i}" aria-label="金利変更${i+1}を削除">×</button></div>`).join('')+'<button id="add-rate" class="add">＋ 金利変更を追加</button>':'<p class="hint">全返済期間に当初金利を適用します。</p>';
$('#repair-events').innerHTML='<div class="repair-head"><span>修繕の内容</span><span>年目</span><span>万円</span><span></span></div>'+state.repairs.map((r,i)=>`<div class="repair-row"><input aria-label="修繕${i+1}の内容" data-repair="${i}" data-prop="name" maxlength="50" value="${esc(r.name)}"><input aria-label="修繕${i+1}の実施年" type="number" min="1" max="50" step="1" data-repair="${i}" data-prop="year" value="${r.year}"><input aria-label="修繕${i+1}の費用" type="number" min="0" max="10000" data-repair="${i}" data-prop="amount" value="${r.amount}"><button data-remove-repair="${i}" aria-label="修繕${i+1}を削除">×</button></div>`).join('')+'<button id="add-repair" class="add">＋ 修繕・設備交換を追加</button>';}
const colors=['#006b9e','#0085c6','#67b9ad','#a5b8c9','#daa856'];
function update(){const errs=validate(state);$('#errors').hidden=!errs.length;$('#output').classList.toggle('invalid-output',!!errs.length);if(errs.length){$('#errors').textContent='入力を確認してください：'+errs.map(k=>groups.flatMap(x=>x[2]).find(f=>f[0]===k)?.[1]??k).join('、');return;}result=simulate(state);const a=result.at(horizon);$('#funding').innerHTML=`<h3>購入時の資金内訳</h3><div class="funding-grid">${[['購入総額',result.acquisition],['総借入額',result.loan],['必要な自己資金',result.initial],['購入直後の金融資金',result.openingCash]].map(([label,value])=>`<div><span>${label}</span><strong class="${value<0?'negative':''}">${money(value)}</strong></div>`).join('')}</div><p>自己資金＝物件価格＋諸費用＋調査・性能向上費-総借入額。諸費用の借入も含めて計算します。</p>`;$('#kpis').innerHTML=`<div class="kpi primary"><div class="label">${horizon}年間の住まい総支出</div><div class="number">${man(a.housing)}<small>万円</small></div><p>購入時 ${man(a.initial)}万円 ＋ 保有中 ${man(a.housing-a.initial)}万円</p></div><div class="kpi"><div class="label">当初の毎月返済額</div><div class="number">${man(result.firstPayment,1)}<small>万円</small></div><p>期間内の最大返済額 ${money(a.maxPayment)} / 月</p></div><div class="kpi"><div class="label">${horizon}年後の金融資金</div><div class="number">${man(a.cash)}<small>万円</small></div><p>ローン残高 ${man(a.balance)}万円（別途返済が必要）</p></div>`;
let msg=a.firstDeficit===null?`この条件では${horizon}年間の金融資金はプラス。最も少ない時点は ${money(a.minCash)} です。`:`${a.firstDeficit===0?'購入時':Math.ceil(a.firstDeficit/12)+'年目・'+((a.firstDeficit-1)%12+1)+'か月目'}に金融資金がマイナスになります。最低額は ${money(a.minCash)}。総借入額・購入予算・生活費・収入を見直してください。`;
$('#alert').innerHTML=`<div class="notice ${a.firstDeficit!==null?'warn':''}" role="status">${msg}</div>`;
chart();const components=[['購入時の自己資金',a.initial],['ローン元金の返済',a.principal],['ローン利息',a.interest],['税・保険・管理等',a.holding],['個別修繕・設備交換',a.repair]];$('#cost-title').textContent=horizon+'年間の住まい総支出';$('#breakdown').innerHTML='<div class="cost-bar">'+components.map(([_,v],i)=>`<span style="width:${a.housing?v/a.housing*100:0}%;background:${colors[i]}"></span>`).join('')+'</div>'+components.map(([k,v],i)=>`<div class="cost-row"><span><span class="dot" style="background:${colors[i]}"></span>${k}</span><b>${money(v)}</b></div>`).join('')+`<div class="cost-row total"><span>合計</span><span>${money(a.housing)}</span></div>`;
const sums=[10,20,30].map(h=>result.at(h));$('#compare').innerHTML='<table><thead><tr><th>項目 / 万円</th><th>10年</th><th>20年</th><th>30年</th></tr></thead><tbody>'+[['住まい総支出','housing'],['うち利息','interest'],['生活・教育費','life'],['手取り収入合計','income'],['ローン残高','balance'],['金融資金','cash']].map(([l,k])=>`<tr><td>${l}</td>${sums.map(x=>`<td class="${x[k]<0?'negative':''}">${man(x[k])}</td>`).join('')}</tr>`).join('')+'</tbody></table>';
$('#assumptions').innerHTML=`<p>借入額 ${money(result.loan)} ／ ${state.term}年返済 ／ ${state.method==='annuity'?'元利均等':'元金均等'}。設定した金利推移による完済までのローン総返済額は ${money(result.lifetimeRepayment)}、うち利息は ${money(result.lifetimeInterest)}。10・20・30年時点の保有支出とは集計範囲が異なります。</p><p>仲介手数料無料の対象物件では、軽減できる額を購入諸費用に反映してください。残る金融資金を金利上昇・調査・性能向上・将来修繕への備えとして確認できます。</p>`;
$('#detail-year').innerHTML=Array.from({length:horizon},(_,i)=>`<option value="${i+1}" ${i+1===detailYear?'selected':''}>${i+1}年目</option>`).join('');renderTable();}
function chart(){const data=[{year:0,cash:result.openingCash,balance:result.loan},...result.years.slice(0,horizon)];const w=780,h=275,L=70,R=18,T=18,B=38;let min=Math.min(0,...data.map(x=>x.cash)),max=Math.max(1000000,...data.map(x=>x.cash),result.loan);const padding=(max-min)*.08;max+=padding;if(min<0)min-=padding;const x=y=>L+y/horizon*(w-L-R),y=v=>T+(max-v)/(max-min)*(h-T-B);let svg=`<svg viewBox="0 0 ${w} ${h}" role="img" aria-label="購入直後から${horizon}年後までの金融資金とローン残高。数値は下の詳細表に掲載。">`;for(let i=0;i<5;i++){const v=min+(max-min)*i/4;svg+=`<line x1="${L}" y1="${y(v)}" x2="${w-R}" y2="${y(v)}" stroke="#e4eaf0"/><text x="${L-10}" y="${y(v)+4}" text-anchor="end" fill="#76889a" font-size="12">${man(v)}</text>`;}svg+='<text x="5" y="14" fill="#76889a" font-size="12">万円</text>';for(let i=0;i<=horizon;i+=5)svg+=`<text x="${x(i)}" y="${h-8}" text-anchor="middle" fill="#76889a" font-size="12">${i===0?'購入時':i+'年'}</text>`;if(min<0)svg+=`<line x1="${L}" y1="${y(0)}" x2="${w-R}" y2="${y(0)}" stroke="#cb8a70" stroke-dasharray="4 4"/>`;
const path=k=>data.map((d,i)=>`${i?'L':'M'}${x(d.year)},${y(d[k])}`).join(' ');svg+=`<path d="${path('cash')} L${x(horizon)},${y(0)} L${L},${y(0)} Z" fill="#e5f3f9" opacity=".65"/><path d="${path('balance')}" stroke="#97aabd" stroke-width="2.5" stroke-dasharray="6 5" fill="none"/><path d="${path('cash')}" stroke="#0085c6" stroke-width="3" fill="none"/>`;for(const d of data)svg+=`<circle cx="${x(d.year)}" cy="${y(d.cash)}" r="4" fill="#0085c6"><title>${d.year}年：金融資金 ${money(d.cash)} / 残高 ${money(d.balance)}</title></circle>`;$('#chart').innerHTML=svg+'</svg>';}
const columns=[['repayment','返済額'],['principal','元金'],['interest','利息'],['balance','残高'],['income','手取り'],['life','生活費'],['education','教育等'],['tax','税'],['insurance','保険'],['management','管理費'],['reserve','積立金'],['parking','駐車場'],['repair','修繕'],['spending','総支出'],['surplus','家計収支'],['cash','金融資金']];
function renderTable(){if(!result)return;const rows=view==='annual'?result.years.slice(0,horizon):result.months.filter(x=>x.year===detailYear);$('#detail-charts').innerHTML=detailCharts(rows,view==='monthly');$('#detail-chart-scope').textContent=view==='annual'?horizon+'年間の年次推移（各年の合計）':detailYear+'年目の月次推移（各月の合計）';$('#detail-year-label').hidden=view!=='monthly';$('#details').innerHTML='<table><caption style="text-align:left;font-size:12px;color:#65758a;padding-bottom:8px">単位：万円。総支出は保有中の住居費＋生活・教育費。購入時 '+money(result.initial)+' は別計上。</caption><thead><tr><th>期間</th><th>年利 %</th>'+columns.map(([k,t])=>`<th>${t}${view==='annual'&&k==='repayment'?' / 年':''}</th>`).join('')+'</tr></thead><tbody>'+rows.map(r=>`<tr><td>${view==='annual'?r.year+'年目':((r.m-1)%12+1)+'か月目'}</td><td>${num(r.rate,2)}</td>${columns.map(([k])=>`<td class="${r[k]<0?'negative':''}">${man(r[k],1)}</td>`).join('')}</tr>`).join('')+'</tbody></table>';}
$('#inputs').addEventListener('input',e=>{const el=e.target;if(el.dataset.key){const k=el.dataset.key;state[k]=el.tagName==='SELECT'?el.value:el.value===''?NaN:Number(el.value);if(k==='rateMode')renderEvents();if(k==='property'){if(el.value==='condo'){state.management=1.5;state.reserve=1.5;state.parking=1;state.repairs=[{name:'専有部設備更新',year:10,amount:35},{name:'水回り・内装更新',year:20,amount:150}];}else{state.management=0;state.reserve=0;state.parking=0;state.repairs=structuredClone(defaults.repairs);}for(const key of ['management','reserve','parking'])$('#'+key).value=state[key];renderEvents();}}else if(el.dataset.rate!==undefined)state.rates[+el.dataset.rate][el.dataset.prop]=el.value===''?NaN:Number(el.value);else if(el.dataset.repair!==undefined)state.repairs[+el.dataset.repair][el.dataset.prop]=el.dataset.prop==='name'?el.value:el.value===''?NaN:Number(el.value);else return;document.querySelectorAll('[data-preset]').forEach(x=>x.classList.remove('selected'));update();});
$('#inputs').addEventListener('click',e=>{const el=e.target;if(el.id==='add-rate'){const taken=state.rates.map(r=>r.year);let year=2;while(taken.includes(year)&&year<=50)year++;if(year<=50)state.rates.push({year,rate:state.rate});}else if(el.id==='add-repair')state.repairs.push({name:'追加メンテナンス',year:15,amount:50});else if(el.dataset.removeRate!==undefined)state.rates.splice(+el.dataset.removeRate,1);else if(el.dataset.removeRepair!==undefined)state.repairs.splice(+el.dataset.removeRepair,1);else return;renderEvents();update();});
document.querySelectorAll('[data-h]').forEach(b=>b.onclick=()=>{horizon=+b.dataset.h;detailYear=Math.min(detailYear,horizon);document.querySelectorAll('[data-h]').forEach(x=>x.classList.toggle('active',x===b));update();});document.querySelectorAll('[data-view]').forEach(b=>b.onclick=()=>{view=b.dataset.view;document.querySelectorAll('[data-view]').forEach(x=>x.classList.toggle('active',x===b));renderTable();});$('#detail-year').onchange=e=>{detailYear=+e.target.value;renderTable();};
document.querySelectorAll('[data-preset]').forEach(b=>b.onclick=()=>{const p=b.dataset.preset;state=structuredClone(defaults);if(p==='stress'){state.rates=[{year:6,rate:2},{year:11,rate:3},{year:21,rate:4}];state.inflation=3;state.wage=0;state.partnerGrowth=0;}if(p==='growth'){state.wage=3;state.partnerGrowth=2;state.inflation=2;}document.querySelectorAll('[data-preset]').forEach(x=>x.classList.toggle('selected',x===b));renderInputs();update();});
$('#reset').onclick=()=>document.querySelector('[data-preset="base"]').click();
function preparePrint(){if(validate(state).length){$('#print-report').innerHTML='<p>入力にエラーがあります。条件を修正してから印刷してください。</p>';return false;}$('#print-report').innerHTML=printReport(state,result,horizon,view,detailYear,groups,$('#chart').innerHTML);return true;}
window.addEventListener('beforeprint',preparePrint);
for(const id of ['print','print-detail'])$('#'+id).onclick=()=>{if(preparePrint())window.print();};
$('#csv').onclick=()=>{if(validate(state).length)return;const lines=[['A-LINE 住宅保有シミュレーション','単位：円 / 年利：%'],['購入時支出',Math.round(result.initial)],['購入後金融資金',Math.round(result.openingCash)],['購入総額',result.acquisition],['総借入額',result.loan],['入力条件（万円・%）',JSON.stringify(state)],['経過月','年目','年利',...columns.map(x=>x[1])],...result.months.slice(0,horizon*12).map(r=>[r.m,r.year,r.rate,...columns.map(([k])=>Math.round(r[k]))])];const text='\uFEFF'+lines.map(r=>r.map(v=>'"'+String(v).replaceAll('"','""')+'"').join(',')).join('\r\n');const url=URL.createObjectURL(new Blob([text],{type:'text/csv;charset=utf-8'}));const a=document.createElement('a');a.href=url;a.download=`A-LINE_${horizon}年_返済家計シミュレーション.csv`;a.click();setTimeout(()=>URL.revokeObjectURL(url),1000);};
renderInputs();if(window.matchMedia('(max-width: 800px)').matches)document.querySelectorAll('.input-section').forEach(x=>x.open=false);update();
if(document.modelContext?.registerTool){const lifecycle=new AbortController();try{Promise.resolve(document.modelContext.registerTool({name:'read_home_cost_simulation',description:'現在画面に設定した住宅ローンと家計の10年・20年・30年試算結果を取得する。金額は円。',inputSchema:{type:'object',properties:{},additionalProperties:false},annotations:{readOnlyHint:true},execute(input){if(input===null||typeof input!=='object'||Object.keys(input).length)throw Error('空のオブジェクトを指定してください');if(validate(state).length)throw Error('入力条件にエラーがあります');return{assumptions:state,periods:[10,20,30].map(h=>result.at(h))};}},{signal:lifecycle.signal})).catch(()=>{});window.addEventListener('pagehide',()=>lifecycle.abort(),{once:true});}catch{}}

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