Grace Calculator Weighted

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Weighted Grace Calculator body { font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif; background-color: #f8f9fa; color: #333; line-height: 1.6; margin: 0; padding: 0; } .container { max-width: 1000px; margin: 20px auto; padding: 20px; background-color: #fff; box-shadow: 0 2px 10px rgba(0, 0, 0, 0.1); border-radius: 8px; display: flex; flex-direction: column; align-items: center; } h1, h2, h3 { color: #004a99; text-align: center; } .loan-calc-container { width: 100%; max-width: 600px; margin-bottom: 30px; padding: 25px; border: 1px solid #e0e0e0; border-radius: 8px; background-color: #ffffff; box-shadow: inset 0 1px 3px rgba(0,0,0,0.05); } .input-group { margin-bottom: 20px; width: 100%; } .input-group label { display: block; margin-bottom: 8px; font-weight: 600; color: #555; } .input-group input[type="number"], .input-group input[type="text"], .input-group select { width: calc(100% – 22px); padding: 10px; border: 1px solid #ccc; border-radius: 4px; font-size: 1rem; box-sizing: border-box; } .input-group .helper-text { font-size: 0.85em; color: #6c757d; margin-top: 5px; display: block; } .error-message { color: #dc3545; font-size: 0.85em; margin-top: 5px; display: block; min-height: 1.2em; } button { background-color: #004a99; color: white; border: none; padding: 12px 25px; border-radius: 5px; cursor: pointer; font-size: 1rem; margin: 5px; transition: background-color 0.3s ease; font-weight: 500; } button:hover { background-color: #003b7a; } .reset-button { background-color: #6c757d; } .reset-button:hover { background-color: #5a6268; } .copy-button { background-color: #17a2b8; } .copy-button:hover { background-color: #138496; } #results { margin-top: 30px; padding: 25px; border: 1px solid #e0e0e0; border-radius: 8px; background-color: #f4f7f9; width: 100%; box-sizing: border-box; text-align: center; } #results h3 { margin-top: 0; } .main-result { font-size: 2.2em; font-weight: bold; color: #004a99; background-color: #e7f1ff; padding: 15px; border-radius: 6px; margin-bottom: 20px; display: inline-block; min-width: 150px; } .intermediate-results { display: flex; justify-content: space-around; flex-wrap: wrap; margin-bottom: 20px; } .intermediate-results div { margin: 10px; padding: 10px 15px; background-color: #e9ecef; border-radius: 5px; text-align: center; flex-basis: 30%; min-width: 120px; } .intermediate-results span { display: block; font-size: 1.2em; font-weight: bold; color: #004a99; } .formula-explanation { font-size: 0.9em; color: #6c757d; margin-top: 15px; border-top: 1px dashed #ccc; padding-top: 15px; text-align: left; } table { width: 100%; border-collapse: collapse; margin-top: 20px; } th, td { border: 1px solid #ddd; padding: 10px; text-align: right; } th { background-color: #004a99; color: white; text-align: center; } td:first-child { text-align: left; } caption { font-size: 1.1em; font-weight: bold; color: #333; margin-bottom: 10px; caption-side: top; text-align: left; } canvas { display: block; margin: 20px auto; max-width: 100%; height: auto; border: 1px solid #e0e0e0; border-radius: 4px; } .chart-container { margin-top: 30px; background-color: #f8f9fa; padding: 20px; border-radius: 8px; border: 1px solid #e0e0e0; } .chart-container h3 { text-align: center; margin-top: 0; } #mainArticle { margin-top: 40px; background-color: #fff; padding: 30px; border-radius: 8px; box-shadow: 0 2px 10px rgba(0, 0, 0, 0.1); } #mainArticle h2, #mainArticle h3 { text-align: left; margin-top: 25px; margin-bottom: 15px; } #mainArticle h1 { text-align: left; margin-bottom: 20px; } #mainArticle p { margin-bottom: 15px; } #mainArticle ul, #mainArticle ol { margin-left: 20px; margin-bottom: 15px; } #mainArticle li { margin-bottom: 8px; } .faq-question { font-weight: bold; color: #004a99; margin-top: 15px; margin-bottom: 5px; display: block; } .internal-links-section { margin-top: 30px; background-color: #e7f1ff; padding: 20px; border-radius: 8px; border: 1px solid #cce5ff; } .internal-links-section h3 { text-align: center; margin-top: 0; color: #004a99; } .internal-links-section ul { list-style: none; padding: 0; } .internal-links-section li { margin-bottom: 10px; } .internal-links-section a { color: #004a99; text-decoration: none; font-weight: 500; } .internal-links-section a:hover { text-decoration: underline; } .internal-links-section p { font-size: 0.9em; color: #555; margin-top: 5px; }

Weighted Grace Calculator

Understand and calculate the weighted grace period for your financial instruments.

Weighted Grace Calculator

Enter the total market value of all instruments.
Days granted for Instrument A.
Market value of Instrument A.
Days granted for Instrument B.
Market value of Instrument B.
Days granted for Instrument C (optional). Enter 0 if not applicable.
Market value of Instrument C (optional).

Calculation Results

—
Weighted Average Grace Period (Days) —
Total Value Contribution (%) —
Total Instruments Value —
Formula:
Weighted Grace Period = Σ (Grace Period_i * (Value_i / Total Value))
Where: Grace Period_i is the grace period for instrument i, and Value_i is the value of instrument i.

Instrument Grace Period Distribution

Instrument Value Contribution and Grace Period
Instrument Value % of Total Value Grace Period (Days)
Enter values and click Calculate.

Understanding the Weighted Grace Calculator

{primary_keyword} is a sophisticated metric used to determine the average grace period for a portfolio of financial instruments, where each instrument's grace period is weighted by its proportion of the total portfolio value. This tool is crucial for financial institutions, investors, and risk managers who need to accurately assess the collective grace period offered by a set of assets or obligations. Unlike a simple average, the weighted grace calculator accounts for the varying financial impact of individual instruments.

What is Weighted Grace Period?

A grace period is a specific duration after a payment is due during which the payment can be made without incurring penalties or late fees. In a broader financial context, it can refer to the time allowed before certain obligations must be met or before specific terms become active. The weighted grace period, however, applies this concept to a collection of financial items (like loans, bonds, or contractual agreements), where instruments with higher monetary values have a greater influence on the overall average grace period. It provides a more realistic picture of the effective grace period for the entire financial commitment.

Who should use it:

  • Financial Institutions: To understand the aggregate grace period exposure across different loan portfolios or financial products.
  • Investment Managers: To assess the liquidity buffer and payment flexibility across a diversified investment portfolio.
  • Risk Assessors: To quantify the overall time-related flexibility inherent in a set of financial arrangements.
  • Corporate Treasurers: To manage accounts payable and receivable, understanding the average payment deferral across various suppliers or customers.

Common misconceptions:

  • It's just a simple average: The core difference is the 'weighting' factor, giving more importance to higher-value instruments. A simple average can be misleading if instrument values vary significantly.
  • It applies only to debt: While common in debt instruments, the concept can be applied to any financial arrangement with a defined grace period and varying values.
  • Grace periods are always fixed: Grace periods can vary based on contract terms, counterparty, or specific market conditions, making a weighted calculation more relevant.

Weighted Grace Period Formula and Mathematical Explanation

The calculation of the weighted grace period involves summing the product of each instrument's grace period and its proportional value within the total portfolio.

The formula is:

Weighted Grace Period = Σ (Grace Periodi * (Valuei / Total Value))

Let's break this down:

  • Σ (Sigma): Represents the summation of all terms.
  • Grace Periodi: The grace period (in days, weeks, months, etc.) for a specific instrument 'i'.
  • Valuei: The market value or face value of the specific instrument 'i'.
  • Total Value: The sum of the values of all instruments in the portfolio (Σ Valuei).
  • (Valuei / Total Value): This is the weight of instrument 'i'. It represents the proportion or percentage of the total portfolio that instrument 'i' constitutes.

Essentially, the formula calculates the contribution of each instrument's grace period to the overall weighted average, scaled by how significant that instrument is in terms of value.

Variables Table

Variable Meaning Unit Typical Range
Grace Periodi The grace period duration for an individual financial instrument. Days (or other time units) 0 to 365+ (depends on contract)
Valuei The monetary value of an individual financial instrument. Currency Units (e.g., USD, EUR) > 0
Total Value The sum of all instrument values in the portfolio. Currency Units > 0
Weighti (Valuei / Total Value) The proportion of the total portfolio value represented by instrument 'i'. Percentage (%) or Decimal 0 to 1 (or 0% to 100%)
Weighted Grace Period The final calculated average grace period, weighted by value. Days (or same unit as Grace Periodi) Typically within the range of individual grace periods.

Practical Examples (Real-World Use Cases)

Example 1: Investment Portfolio

An investment manager has a portfolio consisting of two bonds:

  • Bond A: Value = $60,000, Grace Period = 30 days
  • Bond B: Value = $40,000, Grace Period = 45 days

Calculation:

  • Total Value = $60,000 + $40,000 = $100,000
  • Weight of Bond A = $60,000 / $100,000 = 0.6 (60%)
  • Weight of Bond B = $40,000 / $100,000 = 0.4 (40%)
  • Weighted Grace Period = (30 days * 0.6) + (45 days * 0.4)
  • Weighted Grace Period = 18 days + 18 days = 36 days

Financial Interpretation: The weighted average grace period for this portfolio is 36 days. Although Bond B has a longer individual grace period (45 days), Bond A's higher value (60%) pulls the overall weighted average closer to its own grace period (30 days).

Example 2: Corporate Payables

A company manages its outgoing payments to two main suppliers:

  • Supplier X: Invoices total $80,000, with an average payment grace period of 20 days.
  • Supplier Y: Invoices total $20,000, with an average payment grace period of 50 days.

Calculation:

  • Total Value of Invoices = $80,000 + $20,000 = $100,000
  • Weight of Supplier X = $80,000 / $100,000 = 0.8 (80%)
  • Weight of Supplier Y = $20,000 / $100,000 = 0.2 (20%)
  • Weighted Grace Period = (20 days * 0.8) + (50 days * 0.2)
  • Weighted Grace Period = 16 days + 10 days = 26 days

Financial Interpretation: The company effectively has a weighted average grace period of 26 days for its payments to these two suppliers. This metric helps in cash flow management, highlighting that the majority of its payment deferral capability comes from the larger volume of payments to Supplier X.

How to Use This Weighted Grace Calculator

Using the weighted grace calculator is straightforward:

  1. Input Total Portfolio Value: Enter the total market or face value of all financial instruments you are considering. This serves as the denominator for calculating individual weights.
  2. Input Individual Instrument Details: For each instrument (up to three in this calculator: A, B, C), enter:
    • Its specific Grace Period in days.
    • Its Value (market or face value).
    For instruments not applicable, enter 0 for both value and grace period.
  3. Click Calculate: The calculator will instantly process the inputs.

How to read results:

  • Main Result (Weighted Average Grace Period): This is the primary output, showing the overall weighted average grace period for your portfolio in days.
  • Intermediate Values:
    • Total Value Contribution (%): Shows the percentage weight of each instrument you entered.
    • Total Instruments Value: Confirms the total value you entered.
  • Table: Provides a clear breakdown of each instrument's value, its percentage contribution to the total, and its individual grace period.
  • Chart: Visually represents the distribution of grace periods and their relative impact based on value.

Decision-making guidance: The weighted grace period can inform decisions related to cash flow optimization, risk assessment (e.g., understanding collective payment flexibility), and financial planning. A higher weighted grace period might indicate greater short-term payment flexibility, while a lower one suggests a tighter payment schedule across the portfolio.

Key Factors That Affect Weighted Grace Period Results

Several factors significantly influence the outcome of a weighted grace calculation:

  1. Instrument Values: This is the most direct factor. A single high-value instrument with a long grace period can dramatically increase the weighted average, while several low-value instruments with short grace periods will not.
  2. Individual Grace Periods: The duration of the grace period for each instrument is critical. Instruments with inherently longer grace periods contribute more significantly to the weighted average, especially if they also hold substantial value.
  3. Number of Instruments: While this calculator supports up to three, a portfolio with many instruments requires a more comprehensive calculation. The diversity of grace periods and values across numerous instruments can lead to a more nuanced weighted average.
  4. Portfolio Composition: The mix of asset types or obligations matters. A portfolio heavily weighted towards instruments with short grace periods will yield a low weighted average, indicating less overall payment flexibility.
  5. Contractual Terms: Grace periods are defined by contracts. Changes in these terms, whether through negotiation or default provisions, directly alter the grace period inputs and thus the final weighted result.
  6. Market Conditions & Risk Perception: While not directly input, market conditions can influence the perceived value of instruments and potentially lead to renegotiated grace periods. Lenders might shorten grace periods for riskier borrowers, impacting the inputs.
  7. Inflation and Interest Rates: While not directly part of the *grace period* calculation itself, inflation and interest rates affect the *value* of financial instruments over time. Changes in value will alter the weights, indirectly impacting the weighted grace period calculation. For instance, if rising interest rates decrease the market value of a bond, its weight in the portfolio decreases.
  8. Fees and Penalties: The existence and structure of fees or penalties after the grace period expires can influence the perceived benefit of the grace period itself, although they don't change the raw calculation. This affects financial interpretation more than the calculated number.

Frequently Asked Questions (FAQ)

Q1: What is the difference between a simple average grace period and a weighted grace period?
A1: A simple average treats all instruments equally. A weighted average assigns importance (a "weight") to each instrument based on its value, meaning higher-value instruments have a greater influence on the final result.
Q2: Can the weighted grace period be outside the range of individual grace periods?
A2: No. The weighted average will always fall between the minimum and maximum individual grace periods present in the calculation. It's an average, after all.
Q3: What units should I use for 'Value'?
A3: Use consistent currency units (e.g., USD, EUR, GBP). The calculator handles any numerical value as long as it's consistent across all instruments.
Q4: How many instruments can I include?
A4: This specific calculator is designed for up to three instruments (A, B, and C). For portfolios with more instruments, the formula can be extended manually or using spreadsheet software.
Q5: What does a '0' grace period mean?
A5: A zero grace period means no grace period is offered or applicable for that specific instrument. Payment is due immediately upon the specified date, or the terms begin without deferral.
Q6: How does this calculator help with cash flow management?
A6: By understanding the weighted average grace period, businesses can better forecast their outgoing cash needs. A higher average suggests more deferred payments, potentially easing immediate cash flow pressures.
Q7: Is the 'Total Value' the market value or face value?
A7: It depends on your context. For investments, market value is often used. For loans or bonds where market fluctuations are less relevant to the grace period calculation itself, face value might be appropriate. Ensure consistency.
Q8: Can I use this for future projections?
A8: Yes, if you can reasonably estimate the future values and grace periods of your instruments. It's a valuable tool for scenario planning.

Related Tools and Internal Resources

© 2023 Weighted Grace Calculator. All rights reserved.

var totalValueInput = document.getElementById('totalValue'); var gracePeriodAInput = document.getElementById('gracePeriodA'); var valueAInput = document.getElementById('valueA'); var gracePeriodBInput = document.getElementById('gracePeriodB'); var valueBInput = document.getElementById('valueB'); var gracePeriodCInput = document.getElementById('gracePeriodC'); var valueCInput = document.getElementById('valueC'); var totalValueError = document.getElementById('totalValueError'); var gracePeriodAError = document.getElementById('gracePeriodAError'); var valueAError = document.getElementById('valueAError'); var gracePeriodBError = document.getElementById('gracePeriodBError'); var valueBError = document.getElementById('valueBError'); var gracePeriodCError = document.getElementById('gracePeriodCError'); var valueCError = document.getElementById('valueCError'); var mainResultDiv = document.getElementById('mainResult'); var weightedAvgGraceDiv = document.getElementById('weightedAvgGrace'); var totalContributionDiv = document.getElementById('totalContribution'); var totalInstrumentsDiv = document.getElementById('totalInstruments'); var resultsTableBody = document.getElementById('resultsTableBody'); var dataForTableDiv = document.getElementById('dataForTable'); var chart; var chartContext; function isNumeric(value) { return !isNaN(parseFloat(value)) && isFinite(value); } function updateChart() { if (!chart) { chartContext = document.getElementById('gracePeriodChart').getContext('2d'); chart = new Chart(chartContext, { type: 'bar', data: { labels: [], datasets: [{ label: 'Value Contribution (%)', data: [], backgroundColor: 'rgba(0, 74, 153, 0.6)', borderColor: 'rgba(0, 74, 153, 1)', borderWidth: 1, yAxisID: 'y-axis-percent' }, { label: 'Grace Period (Days)', data: [], backgroundColor: 'rgba(40, 167, 69, 0.6)', borderColor: 'rgba(40, 167, 69, 1)', borderWidth: 1, yAxisID: 'y-axis-days' }] }, options: { responsive: true, maintainAspectRatio: false, scales: { x: { title: { display: true, text: 'Instrument' } }, 'y-axis-percent': { type: 'linear', position: 'left', title: { display: true, text: 'Value Contribution (%)' }, ticks: { callback: function(value) { return value + '%'; } }, grid: { display: false } }, 'y-axis-days': { type: 'linear', position: 'right', title: { display: true, text: 'Grace Period (Days)' }, grid: { drawOnChartArea: true, } } } } }); } var labels = []; var valueContributions = []; var gracePeriods = []; var totalValue = parseFloat(totalValueInput.value) || 0; if (parseFloat(valueAInput.value) > 0) { labels.push('Instrument A'); valueContributions.push((parseFloat(valueAInput.value) / totalValue) * 100); gracePeriods.push(parseFloat(gracePeriodAInput.value)); } if (parseFloat(valueBInput.value) > 0) { labels.push('Instrument B'); valueContributions.push((parseFloat(valueBInput.value) / totalValue) * 100); gracePeriods.push(parseFloat(gracePeriodBInput.value)); } if (parseFloat(valueCInput.value) > 0) { labels.push('Instrument C'); valueContributions.push((parseFloat(valueCInput.value) / totalValue) * 100); gracePeriods.push(parseFloat(gracePeriodCInput.value)); } chart.data.labels = labels; chart.data.datasets[0].data = valueContributions; chart.data.datasets[1].data = gracePeriods; chart.update(); } function calculateWeightedGrace() { // Clear previous errors totalValueError.textContent = "; gracePeriodAError.textContent = "; valueAError.textContent = "; gracePeriodBError.textContent = "; valueBError.textContent = "; gracePeriodCError.textContent = "; valueCError.textContent = "; var totalValue = parseFloat(totalValueInput.value); var gracePeriodA = parseFloat(gracePeriodAInput.value); var valueA = parseFloat(valueAInput.value); var gracePeriodB = parseFloat(gracePeriodBInput.value); var valueB = parseFloat(valueBInput.value); var gracePeriodC = parseFloat(gracePeriodCInput.value); var valueC = parseFloat(valueCInput.value); var isValid = true; if (isNaN(totalValue) || totalValue <= 0) { totalValueError.textContent = 'Total value must be a positive number.'; isValid = false; } if (isNaN(gracePeriodA) || gracePeriodA < 0) { gracePeriodAError.textContent = 'Grace period cannot be negative.'; isValid = false; } if (isNaN(valueA) || valueA < 0) { valueAError.textContent = 'Value cannot be negative.'; isValid = false; } if (isNaN(gracePeriodB) || gracePeriodB < 0) { gracePeriodBError.textContent = 'Grace period cannot be negative.'; isValid = false; } if (isNaN(valueB) || valueB < 0) { valueBError.textContent = 'Value cannot be negative.'; isValid = false; } if (isNaN(gracePeriodC) || gracePeriodC < 0) { gracePeriodCError.textContent = 'Grace period cannot be negative.'; isValid = false; } if (isNaN(valueC) || valueC totalValue && totalValue > 0) { // This might be too strict depending on use case, could be adjusted. // For now, we'll allow it but note it. } if (!isValid) { mainResultDiv.textContent = '–'; weightedAvgGraceDiv.textContent = '–'; totalContributionDiv.textContent = '–'; totalInstrumentsDiv.textContent = '–'; resultsTableBody.innerHTML = 'Please correct errors above.'; updateChart(); // Update chart even with errors to clear previous data if needed return; } var weightedSum = 0; var dataSet = []; if (valueA > 0) { var weightA = valueA / totalValue; weightedSum += gracePeriodA * weightA; dataSet.push({ name: 'Instrument A', value: valueA, weight: weightA, grace: gracePeriodA }); } if (valueB > 0) { var weightB = valueB / totalValue; weightedSum += gracePeriodB * weightB; dataSet.push({ name: 'Instrument B', value: valueB, weight: weightB, grace: gracePeriodB }); } if (valueC > 0) { var weightC = valueC / totalValue; weightedSum += gracePeriodC * weightC; dataSet.push({ name: 'Instrument C', value: valueC, weight: weightC, grace: gracePeriodC }); } var finalWeightedGrace = weightedSum; var finalTotalContribution = (sumIndividualValues / totalValue) * 100; mainResultDiv.textContent = finalWeightedGrace.toFixed(2); weightedAvgGraceDiv.textContent = finalWeightedGrace.toFixed(2); totalContributionDiv.textContent = finalTotalContribution.toFixed(2) + '%'; totalInstrumentsDiv.textContent = totalValue.toFixed(2); // Update table resultsTableBody.innerHTML = "; dataSet.forEach(function(item) { var row = resultsTableBody.insertRow(); var cell1 = row.insertCell(0); var cell2 = row.insertCell(1); var cell3 = row.insertCell(2); var cell4 = row.insertCell(3); cell1.textContent = item.name; cell2.textContent = item.value.toFixed(2); cell3.textContent = (item.weight * 100).toFixed(2) + '%'; cell4.textContent = item.grace.toFixed(2); }); if (dataSet.length === 0) { var row = resultsTableBody.insertRow(); var cell = row.insertCell(0); cell.colSpan = 4; cell.textContent = 'No instruments with value entered.'; } updateChart(); } function resetForm() { totalValueInput.value = 100000; gracePeriodAInput.value = 30; valueAInput.value = 60000; gracePeriodBInput.value = 45; valueBInput.value = 40000; gracePeriodCInput.value = 0; valueCInput.value = 0; // Clear errors totalValueError.textContent = "; gracePeriodAError.textContent = "; valueAError.textContent = "; gracePeriodBError.textContent = "; valueBError.textContent = "; gracePeriodCError.textContent = "; valueCError.textContent = "; // Reset results mainResultDiv.textContent = '–'; weightedAvgGraceDiv.textContent = '–'; totalContributionDiv.textContent = '–'; totalInstrumentsDiv.textContent = '–'; resultsTableBody.innerHTML = 'Enter values and click Calculate.'; // Reset chart if it exists if (chart) { chart.data.labels = []; chart.data.datasets[0].data = []; chart.data.datasets[1].data = []; chart.update(); } } function copyResults() { var mainResult = mainResultDiv.textContent; var weightedAvgGrace = weightedAvgGraceDiv.textContent; var totalContribution = totalContributionDiv.textContent; var totalInstruments = totalInstrumentsDiv.textContent; var assumptions = "Key Assumptions:\n"; assumptions += "- Total Portfolio Value: " + totalInstruments + "\n"; if (valueAInput.value > 0) assumptions += "- Instrument A Value: " + valueAInput.value + ", Grace Period: " + gracePeriodAInput.value + " days\n"; if (valueBInput.value > 0) assumptions += "- Instrument B Value: " + valueBInput.value + ", Grace Period: " + gracePeriodBInput.value + " days\n"; if (valueCInput.value > 0) assumptions += "- Instrument C Value: " + valueCInput.value + ", Grace Period: " + gracePeriodCInput.value + " days\n"; var resultText = "Weighted Grace Period Calculation Results:\n\n"; resultText += "Main Result (Weighted Avg Grace Period): " + mainResult + " days\n"; resultText += "Weighted Average Grace Period: " + weightedAvgGrace + " days\n"; resultText += "Total Value Contribution: " + totalContribution + "\n"; resultText += "Total Instruments Value: " + totalInstruments + "\n\n"; resultText += assumptions; var tempTextArea = document.createElement("textarea"); tempTextArea.value = resultText; document.body.appendChild(tempTextArea); tempTextArea.select(); try { document.execCommand("copy"); alert("Results copied to clipboard!"); } catch (err) { console.error("Failed to copy: ", err); alert("Failed to copy results."); } document.body.removeChild(tempTextArea); } // Initial calculation on load document.addEventListener('DOMContentLoaded', function() { // Initialize chart on first load chartContext = document.getElementById('gracePeriodChart').getContext('2d'); chart = new Chart(chartContext, { type: 'bar', data: { labels: [], datasets: [{ label: 'Value Contribution (%)', data: [], backgroundColor: 'rgba(0, 74, 153, 0.6)', borderColor: 'rgba(0, 74, 153, 1)', borderWidth: 1, yAxisID: 'y-axis-percent' }, { label: 'Grace Period (Days)', data: [], backgroundColor: 'rgba(40, 167, 69, 0.6)', borderColor: 'rgba(40, 167, 69, 1)', borderWidth: 1, yAxisID: 'y-axis-days' }] }, options: { responsive: true, maintainAspectRatio: false, scales: { x: { title: { display: true, text: 'Instrument' } }, 'y-axis-percent': { type: 'linear', position: 'left', title: { display: true, text: 'Value Contribution (%)' }, ticks: { callback: function(value) { return value + '%'; } }, grid: { display: false } }, 'y-axis-days': { type: 'linear', position: 'right', title: { display: true, text: 'Grace Period (Days)' }, grid: { drawOnChartArea: true, } } } } }); calculateWeightedGrace(); }); // Add event listeners for real-time updates var inputs = [totalValueInput, gracePeriodAInput, valueAInput, gracePeriodBInput, valueBInput, gracePeriodCInput, valueCInput]; inputs.forEach(function(input) { input.addEventListener('input', calculateWeightedGrace); });

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