Primer TM Calculator
body {
font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
background-color: #f8f9fa;
color: #333;
line-height: 1.6;
margin: 0;
padding: 20px;
}
.loan-calc-container {
max-width: 800px;
margin: 30px auto;
padding: 30px;
background-color: #ffffff;
border-radius: 8px;
box-shadow: 0 4px 15px rgba(0, 0, 0, 0.05);
}
h1, h2 {
color: #004a99;
text-align: center;
margin-bottom: 25px;
}
.input-group {
margin-bottom: 20px;
display: flex;
flex-direction: column;
gap: 8px;
}
.input-group label {
font-weight: 600;
color: #004a99;
}
.input-group input[type="number"],
.input-group input[type="text"] {
padding: 12px 15px;
border: 1px solid #ccc;
border-radius: 5px;
font-size: 1rem;
width: calc(100% – 30px); /* Adjust for padding */
box-sizing: border-box; /* Include padding and border in the element's total width and height */
}
.input-group input[type="number"]:focus,
.input-group input[type="text"]:focus {
border-color: #004a99;
outline: none;
box-shadow: 0 0 0 3px rgba(0, 74, 153, 0.2);
}
button {
display: block;
width: 100%;
padding: 12px 20px;
background-color: #004a99;
color: white;
border: none;
border-radius: 5px;
font-size: 1.1rem;
font-weight: bold;
cursor: pointer;
transition: background-color 0.3s ease;
margin-top: 15px;
}
button:hover {
background-color: #003b7a;
}
#result {
margin-top: 30px;
padding: 20px;
background-color: #e7f3ff;
border-left: 5px solid #28a745;
border-radius: 5px;
text-align: center;
}
#result h2 {
color: #28a745;
margin-bottom: 10px;
}
#result p {
font-size: 1.3rem;
font-weight: bold;
color: #004a99;
}
.explanation {
margin-top: 40px;
padding-top: 30px;
border-top: 1px solid #eee;
}
.explanation h2 {
color: #004a99;
text-align: left;
margin-bottom: 15px;
}
.explanation p, .explanation ul {
margin-bottom: 15px;
}
.explanation li {
margin-bottom: 8px;
}
@media (max-width: 600px) {
.loan-calc-container {
padding: 20px;
}
h1 {
font-size: 1.8rem;
}
button {
font-size: 1rem;
}
#result p {
font-size: 1.1rem;
}
}
Understanding the Primer TM Calculator
The Primer TM Calculator is a financial tool designed to help you estimate the future value of your investments in "TM Units" (a hypothetical digital asset or unit of account). It considers your initial deposit, regular monthly contributions, an assumed annual Rate of Return (ROI), and the investment duration. This calculator is useful for long-term financial planning, understanding the potential growth of digital asset portfolios, or for educational purposes to illustrate compound growth principles.
How it Works: The Math Behind the Calculation
The calculation involves two main components: the growth of the initial deposit and the growth of the series of monthly contributions.
1. Future Value of Initial Deposit:
The future value (FV) of a lump sum is calculated using the compound interest formula:
FV = P * (1 + r)^n
Where:
P = Principal amount (Initial Deposit)r = Periodic interest rate (Annual ROI / 12 for monthly)n = Number of periods (Investment Duration in Months)
2. Future Value of an Ordinary Annuity (Monthly Contributions):
The future value (FV) of a series of regular payments is calculated using the future value of an ordinary annuity formula:
FV = C * [((1 + r)^n - 1) / r]
Where:
C = Periodic Payment (Monthly Contribution)r = Periodic interest rate (Annual ROI / 12 for monthly)n = Number of periods (Investment Duration in Months)
Total Estimated TM Value:
The total estimated value is the sum of the future value of the initial deposit and the future value of the monthly contributions.
Total FV = FV (Initial Deposit) + FV (Monthly Contributions)
Note: The calculator assumes that the ROI is compounded monthly. The total contributions are simply the sum of the initial deposit and all monthly contributions made over the period. Total gains are the difference between the total estimated value and the total contributions.
Use Cases:
- Estimating potential growth of TM Unit investments.
- Financial planning and goal setting for digital asset portfolios.
- Understanding the impact of consistent contributions and compound growth over time.
- Educational tool for illustrating investment principles.
Disclaimer: This calculator provides an estimate based on the inputs provided. It does not guarantee future returns, as actual investment performance can vary significantly due to market volatility and other factors. Consult with a qualified financial advisor before making any investment decisions.
function calculatePrimerTM() {
var initialDeposit = parseFloat(document.getElementById("initialDeposit").value);
var monthlyContribution = parseFloat(document.getElementById("monthlyContribution").value);
var roiPercentage = parseFloat(document.getElementById("roiPercentage").value);
var investmentDurationMonths = parseInt(document.getElementById("investmentDurationMonths").value);
var resultDiv = document.getElementById("result");
var totalTMValueElement = document.getElementById("totalTMValue");
var totalContributionsElement = document.getElementById("totalContributions");
var totalGainsElement = document.getElementById("totalGains");
// Basic validation
if (isNaN(initialDeposit) || initialDeposit < 0 ||
isNaN(monthlyContribution) || monthlyContribution < 0 ||
isNaN(roiPercentage) || roiPercentage < 0 ||
isNaN(investmentDurationMonths) || investmentDurationMonths 0) {
futureValueLumpSum = initialDeposit * Math.pow(1 + monthlyRate, investmentDurationMonths);
}
var futureValueAnnuity = 0;
if (monthlyContribution > 0 && monthlyRate > 0) {
futureValueAnnuity = monthlyContribution * (Math.pow(1 + monthlyRate, investmentDurationMonths) – 1) / monthlyRate;
} else if (monthlyContribution > 0 && monthlyRate === 0) { // Handle case where ROI is 0%
futureValueAnnuity = monthlyContribution * investmentDurationMonths;
}
var totalEstimatedValue = futureValueLumpSum + futureValueAnnuity;
var totalContributions = initialDeposit + (monthlyContribution * investmentDurationMonths);
var totalGains = totalEstimatedValue – totalContributions;
// Format to 2 decimal places for currency-like display
totalEstimatedValue = totalEstimatedValue.toFixed(2);
totalContributions = totalContributions.toFixed(2);
totalGains = totalGains.toFixed(2);
totalTMValueElement.textContent = totalEstimatedValue + " TM Units";
totalContributionsElement.textContent = "Total Contributions: " + totalContributions + " TM Units";
totalGainsElement.textContent = "Estimated Gains: " + totalGains + " TM Units";
resultDiv.style.display = 'block';
}