bogle3/index.html at master · narkeeso/bogle3 · GitHub

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<!DOCTYPE html>
<html lang="en">
<head>
    <meta charset="UTF-8">
    <meta name="viewport" content="width=device-width, initial-scale=1.0">
    <title>Bogle3 - 3-Fund Portfolio Calculator</title>
    <script defer src="https://cdn.jsdelivr.net/npm/alpinejs@3.14.3/dist/cdn.min.js"></script>
    <script src="https://cdn.tailwindcss.com"></script>
</head>
<body class="bg-gray-50 text-gray-900 min-h-screen">
    <div class="max-w-6xl mx-auto p-6" x-data="bogle3Data()" x-init="init()">

        <div class="grid lg:grid-cols-4 gap-6">
            <!-- Sidebar -->
            <div class="lg:col-span-1" x-data="{ showInfo: false }">
                <div class="lg:sticky lg:top-6 space-y-4">
                    <!-- App Name -->
                    <div class="flex items-center justify-between lg:block">
                        <div>
                            <h1 class="text-4xl font-bold text-blue-900 mb-1">Bogle3</h1>
                            <p class="text-sm text-gray-600">3-Fund Portfolio Calculator</p>
                        </div>
                        <!-- Mobile toggle -->
                        <button @click="showInfo = !showInfo" class="lg:hidden text-sm text-gray-500 hover:text-gray-700 flex items-center gap-1">
                            <span x-text="showInfo ? 'Hide' : 'Info'">Info</span>
                            <svg class="w-4 h-4 transition-transform" :class="showInfo ? 'rotate-180' : ''" fill="none" stroke="currentColor" viewBox="0 0 24 24">
                                <path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M19 9l-7 7-7-7"></path>
                            </svg>
                        </button>
                    </div>

                    <!-- Collapsible content for mobile -->
                    <div x-show="showInfo" x-transition class="lg:hidden space-y-6">
                        <!-- About -->
                        <div class="text-sm text-gray-600 leading-relaxed">
                            <h3 class="font-semibold text-gray-900 mb-2">What is this?</h3>
                            <p class="mb-3">A simple calculator for the <a href="https://www.bogleheads.org/wiki/Three-fund_portfolio" target="_blank" rel="noopener noreferrer" class="font-semibold text-gray-800 underline hover:text-blue-700">Bogleheads 3-Fund Portfolio</a> — a low-cost, diversified investment strategy using just three index funds:</p>
                            <ul class="list-disc list-outside ml-4 space-y-1 mb-3">
                                <li>US Total Stock Market</li>
                                <li>International Stock Market</li>
                                <li>Total Bond Market</li>
                            </ul>
                            <p>This tool helps you split your investment dollars across these three funds at your preferred allocation.</p>
                        </div>

                        <!-- Instructions -->
                        <div class="text-sm text-gray-600 leading-relaxed">
                            <h3 class="font-semibold text-gray-900 mb-2">How to use</h3>
                            <ol class="list-decimal list-outside ml-4 space-y-2">
                                <li>Enter your age to auto-set stocks/bonds, or adjust slider</li>
                                <li>Set International % of stocks (20-40% recommended)</li>
                                <li>Enter investment amount</li>
                                <li>Select your broker to see recommended funds</li>
                                <li>Purchase shares at your broker to match the dollar amounts</li>
                            </ol>
                        </div>

                        <!-- GitHub -->
                        <div class="text-sm text-gray-600 leading-relaxed">
                            <a href="https://github.com/narkeeso/bogle3" target="_blank" rel="noopener noreferrer" class="text-gray-800 underline hover:text-blue-700">View on GitHub</a>
                        </div>
                    </div>

                    <!-- Desktop only content (always visible) -->
                    <div class="hidden lg:block space-y-6">
                        <!-- About -->
                        <div class="text-sm text-gray-600 leading-relaxed">
                            <h3 class="font-semibold text-gray-900 mb-2">What is this?</h3>
                            <p class="mb-3">A simple calculator for the <a href="https://www.bogleheads.org/wiki/Three-fund_portfolio" target="_blank" rel="noopener noreferrer" class="font-semibold text-gray-800 underline hover:text-blue-700">Bogleheads 3-Fund Portfolio</a> — a low-cost, diversified investment strategy using just three index funds:</p>
                            <ul class="list-disc list-outside ml-4 space-y-1 mb-3">
                                <li>US Total Stock Market</li>
                                <li>International Stock Market</li>
                                <li>Total Bond Market</li>
                            </ul>
                            <p>This tool helps you split your investment dollars across these three funds at your preferred allocation.</p>
                        </div>

                        <!-- Instructions -->
                        <div class="text-sm text-gray-600 leading-relaxed">
                            <h3 class="font-semibold text-gray-900 mb-2">How to use</h3>
                            <ol class="list-decimal list-outside ml-4 space-y-2">
                                <li>Enter your age to auto-set stocks/bonds, or adjust slider</li>
                                <li>Set International % of stocks (20-40% recommended)</li>
                                <li>Enter investment amount</li>
                                <li>Select your broker to see recommended funds</li>
                                <li>Purchase shares at your broker to match the dollar amounts</li>
                            </ol>
                        </div>

                        <!-- GitHub -->
                        <div class="text-sm text-gray-600 leading-relaxed">
                            <a href="https://github.com/narkeeso/bogle3" target="_blank" rel="noopener noreferrer" class="text-gray-800 underline hover:text-blue-700">View on GitHub</a>
                        </div>
                    </div>
                </div>
            </div>

            <!-- Main Calculator -->
            <div class="lg:col-span-3 flex justify-center">
                <div class="w-full max-w-2xl">

        <!-- Allocation Sliders -->
        <div class="bg-white rounded-lg shadow-md p-6 mb-6">
            <div class="flex justify-between items-center mb-4 flex-wrap gap-2">
                <h2 class="text-lg font-semibold">Asset Allocation</h2>
                <div class="flex items-center gap-2">
                    <label class="text-sm text-gray-600">Age:</label>
                    <input
                        type="number"
                        x-model="age"
                        @blur="setAllocationFromAge()"
                        @keydown.enter="setAllocationFromAge()"
                        min="18"
                        max="100"
                        class="w-16 px-2 py-1.5 h-8 border border-gray-300 rounded text-center text-sm leading-none"
                        placeholder="25"
                    >
                </div>
            </div>

            <!-- Stocks/Bonds Split -->
            <div class="mb-6 p-4 bg-gray-50 rounded-lg">
                <div class="flex justify-between mb-2">
                    <label class="text-sm font-medium text-gray-700">Stocks vs Bonds</label>
                    <span class="text-sm font-semibold text-gray-900" x-text="stocksPercent + '% Stocks / ' + (100 - stocksPercent) + '% Bonds'"></span>
                </div>
                <input
                    type="range"
                    x-model="stocksPercent"
                    min="20"
                    max="90"
                    class="w-full h-3 bg-gradient-to-r from-yellow-200 to-blue-200 rounded-lg appearance-none cursor-pointer accent-blue-600"
                >
                <div class="flex justify-between text-xs text-gray-500 mt-1">
                    <span>More Bonds</span>
                    <span>More Stocks</span>
                </div>
            </div>

            <!-- International % of Stocks -->
            <div class="mb-4 p-4 bg-gray-50 rounded-lg">
                <div class="flex justify-between mb-2">
                    <label class="text-sm font-medium text-gray-700">International % of Stocks</label>
                    <span class="text-sm font-semibold text-gray-900" x-text="intlPercentOfStocks + '%'"></span>
                </div>
                <input
                    type="range"
                    x-model="intlPercentOfStocks"
                    min="0"
                    max="60"
                    class="w-full h-3 bg-gradient-to-r from-blue-200 to-green-200 rounded-lg appearance-none cursor-pointer accent-green-600"
                >
                <div class="flex justify-between text-xs text-gray-500 mt-1">
                    <span>0% (All US)</span>
                    <span>20%</span>
                    <span>40%</span>
                    <span>60%</span>
                </div>
                <div class="text-xs text-gray-400 mt-2">
                    US: <span x-text="usStockPercent + '%'"></span> | International: <span x-text="intlStockPercent + '%'"></span> of total portfolio
                </div>
            </div>

            <div class="text-right">
                <button @click="resetAllocation()" class="text-xs text-gray-500 hover:text-gray-700 underline">Reset to defaults</button>
            </div>
        </div>

        <!-- Investment Breakdown -->
        <div class="bg-white rounded-lg shadow-md p-6 mb-6">
            <div class="flex justify-between items-center mb-4 flex-wrap gap-2">
                <h2 class="text-lg font-semibold">Investment</h2>
            </div>

            <div class="mb-4">
                <label class="block text-sm font-medium text-gray-700 mb-2">Amount</label>
                <div class="relative">
                    <span class="absolute left-3 top-1/2 -translate-y-1/2 text-gray-500">$</span>
                    <input
                        type="number"
                        x-model="totalAmount"
                        class="w-full pl-8 pr-4 py-3 border border-gray-300 rounded-lg focus:ring-2 focus:ring-blue-500 focus:border-blue-500 text-lg"
                        placeholder="100"
                    >
                </div>
            </div>

            <div class="flex justify-between items-center mb-4 flex-wrap gap-2">
                <h3 class="font-medium text-gray-700">Breakdown</h3>
                <div class="flex items-center gap-2">
                    <label class="text-sm text-gray-600">Broker:</label>
                    <select
                        x-model="selectedBroker"
                        class="px-2 h-8 border border-gray-300 rounded text-sm bg-white"
                    >
                        <option value="Vanguard">Vanguard</option>
                        <option value="Schwab">Schwab</option>
                        <option value="Fidelity">Fidelity</option>
                        <option value="iShares">iShares</option>
                    </select>
                </div>
            </div>

            <div class="grid grid-cols-3 gap-3">
                <!-- US Stock Result -->
                <div class="p-3 bg-blue-50 rounded-lg text-center">
                    <div class="font-bold text-blue-900 text-xl mb-1" x-text="formatCurrency(usStockAmount)">$60</div>
                    <div class="text-sm text-blue-600 mb-1 font-mono font-bold bg-blue-100 px-2 py-1 rounded inline-block" x-text="usTicker">VTI</div>
                    <div class="font-medium text-blue-900 text-sm">US Stock</div>
                </div>

                <!-- International Stock Result -->
                <div class="p-3 bg-green-50 rounded-lg text-center">
                    <div class="font-bold text-green-900 text-xl mb-1" x-text="formatCurrency(intlStockAmount)">$20</div>
                    <div class="text-sm text-green-600 mb-1 font-mono font-bold bg-green-100 px-2 py-1 rounded inline-block" x-text="intlTicker">VXUS</div>
                    <div class="font-medium text-green-900 text-sm">International</div>
                </div>

                <!-- Bond Result -->
                <div class="p-3 bg-yellow-50 rounded-lg text-center">
                    <div class="font-bold text-yellow-900 text-xl mb-1" x-text="formatCurrency(bondAmount)">$20</div>
                    <div class="text-sm text-yellow-600 mb-1 font-mono font-bold bg-yellow-100 px-2 py-1 rounded inline-block" x-text="bondTicker">BND</div>
                    <div class="font-medium text-yellow-900 text-sm">Bonds</div>
                </div>
            </div>

            </div><!-- /Investment Breakdown -->

        </div><!-- /max-w-2xl -->
        </div><!-- /main calculator -->
        </div><!-- /grid -->

    </div><!-- /max-w-6xl container -->

    <!-- Footer - Full Width -->
    <footer class="mt-8 py-6 text-center text-sm text-gray-500">
        <div class="max-w-6xl mx-auto px-6">
            <p>Invest at your own risk. Not financial advice.</p>
        </div>
    </footer>

    <script>
        function bogle3Data() {
            const DEFAULTS = {
                age: 25,
                stocksPercent: 60,
                intlPercentOfStocks: 25,
                selectedBroker: 'Vanguard'
            };

            return {
                totalAmount: 100,
                age: DEFAULTS.age,
                stocksPercent: DEFAULTS.stocksPercent,
                intlPercentOfStocks: DEFAULTS.intlPercentOfStocks,
                selectedBroker: DEFAULTS.selectedBroker,

                brokers: {
                    'Vanguard': { us: 'VTI', intl: 'VXUS', bond: 'BND' },
                    'Schwab': { us: 'SWTSX', intl: 'SWISX', bond: 'SWAGX' },
                    'Fidelity': { us: 'FSKAX', intl: 'FTIHX', bond: 'FXNAX' },
                    'iShares': { us: 'ITOT', intl: 'IXUS', bond: 'AGG' }
                },

                init() {
                    const saved = localStorage.getItem('bogle3-allocation');
                    if (saved) {
                        try {
                            const data = JSON.parse(saved);
                            if (data.age != null) this.age = data.age;
                            if (data.stocksPercent != null) this.stocksPercent = data.stocksPercent;
                            if (data.intlPercentOfStocks != null) this.intlPercentOfStocks = data.intlPercentOfStocks;
                            if (data.selectedBroker != null) this.selectedBroker = data.selectedBroker;
                        } catch (e) {
                            console.error('Failed to load saved allocation:', e);
                        }
                    }

                    // Debounced auto-apply for age
                    let ageTimeout;
                    this.$watch('age', (val) => {
                        this.saveAllocation();
                        clearTimeout(ageTimeout);
                        ageTimeout = setTimeout(() => {
                            this.setAllocationFromAge();
                        }, 500);
                    });
                    this.$watch('stocksPercent', () => this.saveAllocation());
                    this.$watch('intlPercentOfStocks', () => this.saveAllocation());
                    this.$watch('selectedBroker', () => this.saveAllocation());
                },

                saveAllocation() {
                    const data = {
                        age: this.age,
                        stocksPercent: this.stocksPercent,
                        intlPercentOfStocks: this.intlPercentOfStocks,
                        selectedBroker: this.selectedBroker,
                        version: '2.3'
                    };
                    localStorage.setItem('bogle3-allocation', JSON.stringify(data));
                },

                resetAllocation() {
                    this.age = DEFAULTS.age;
                    this.stocksPercent = DEFAULTS.stocksPercent;
                    this.intlPercentOfStocks = DEFAULTS.intlPercentOfStocks;
                    this.saveAllocation();
                },

                get usTicker() {
                    return this.brokers[this.selectedBroker].us;
                },

                get intlTicker() {
                    return this.brokers[this.selectedBroker].intl;
                },

                get bondTicker() {
                    return this.brokers[this.selectedBroker].bond;
                },

                setAllocationFromAge() {
                    const ageNum = parseInt(this.age) || 40;
                    // Clamp between 20% and 90% stocks (must have at least some of all 3 funds)
                    this.stocksPercent = Math.max(20, Math.min(90, 100 - ageNum));
                },

                get usStockPercent() {
                    return Math.round(this.stocksPercent * (1 - this.intlPercentOfStocks / 100));
                },

                get intlStockPercent() {
                    return Math.round(this.stocksPercent * (this.intlPercentOfStocks / 100));
                },

                get usStockAmount() {
                    return Math.round(this.totalAmount * (this.usStockPercent / 100));
                },

                get intlStockAmount() {
                    return Math.round(this.totalAmount * (this.intlStockPercent / 100));
                },

                get bondAmount() {
                    return this.totalAmount - this.usStockAmount - this.intlStockAmount;
                },

                formatCurrency(amount) {
                    return new Intl.NumberFormat('en-US', {
                        style: 'currency',
                        currency: 'USD',
                        minimumFractionDigits: 0,
                        maximumFractionDigits: 0
                    }).format(amount);
                }
            };
        }
    </script>
</body>
</html>