' + 'Your age' + '' + '

It sets what a comfortable month looks like at your stage, and it never leaves your device.

' + '

' + 'Your pincode' + '' + '

Six digits. We use it for rent and electricity, and it never leaves your device.

' + '

'; root.querySelector("#kc-in-age").addEventListener("input", function (e) { a.age = e.target.value; validateStep(); }); var pinEl = root.querySelector("#kc-in-pin"); pinEl.addEventListener("input", function (e) { a.pincode = digits(e.target.value).slice(0, 6); e.target.value = a.pincode; var note = root.querySelector("#kc-pin-note"); if (a.pincode.length < 6) note.textContent = "Six digits. We use it for rent and electricity, and it never leaves your device."; else { var c = cityFor(a.pincode); note.textContent = c.known ? (c.name + ", " + c.state + ". Using local rent and tariff data.") : "We do not have that pincode yet. Using a mid-India average instead."; } renderSoFar(); validateStep(); }); }, household: function (root) { var h = state.answers.household; var onlyMe = !h.partner && h.kidsAges.length === 0 && h.parents === 0; root.innerHTML = '

' + '

Only me

Just your own costs. Pick anything below to add family.

' + '

A partner or spouse

Shares your home and its costs.

' + '' + '

' + '

Children

How many depend on you.

' + '

' + '' + '' + h.kidsAges.length + '' + '' + '

' + '

Dependent parents

Parents you support each month.

' + '

' + '' + '' + h.parents + '' + '' + '

' + '

'; root.querySelector("#kc-onlyme").addEventListener("click", function () { h.partner = false; h.kidsAges = []; h.parents = 0; renderStep(); }); root.querySelector("#kc-partner").addEventListener("click", function () { h.partner = !h.partner; renderStep(); }); root.querySelector("#kc-kids-plus").addEventListener("click", function () { h.kidsAges.push(-1); renderStep(); }); root.querySelector("#kc-kids-minus").addEventListener("click", function () { if (h.kidsAges.length) h.kidsAges.pop(); renderStep(); }); root.querySelector("#kc-parents-plus").addEventListener("click", function () { if (h.parents < 4) h.parents++; renderStep(); }); root.querySelector("#kc-parents-minus").addEventListener("click", function () { if (h.parents > 0) h.parents--; renderStep(); }); } }; // Single-select option-card steps share one renderer. ["roof", "commute", "foodBase", "foodFun", "bills", "body"].forEach(function (key) { STEP_RENDERERS[key] = function (root) { var a = state.answers; var city = currentCity(); var opts = STEP_OPTIONS[key]; var html = ""; opts.forEach(function (opt, i) { var amt = baseCost(key, i, city, a.household); var sel = a[key] === i; html += '

' + '

' + opt.label + '

' + opt.sub + '

' + '

' + fmt(amt) + '

' + '

'; }); root.innerHTML = html; root.querySelectorAll(".kc-opt").forEach(function (el) { el.addEventListener("click", function () { a[key] = parseInt(el.dataset.i, 10); renderStep(); }); }); }; }); STEP_RENDERERS.children = function (root) { var h = state.answers.household; var city = currentCity(); var html = ""; h.kidsAges.forEach(function (age, i) { html += '

' + 'Child ' + (i + 1) + '\u2019s age' + '' + '

'; }); html += '

' + 'Or tell us the real number' + '' + '

School fees, care, activities and health — city-adjusted if you leave this blank.

' + '

'; root.innerHTML = html; root.querySelectorAll(".kc-kid-age").forEach(function (el) { el.addEventListener("input", function (e) { var i = parseInt(e.target.dataset.i, 10); h.kidsAges[i] = e.target.value === "" ? -1 : parseInt(e.target.value, 10); renderSoFar(); }); }); root.querySelector("#kc-kids-cost").addEventListener("input", function (e) { h.kidsCost = digits(e.target.value); e.target.value = fmtInput(e.target.value); renderSoFar(); }); }; STEP_RENDERERS.parents = function (root) { var h = state.answers.household; root.innerHTML = '

' + 'Or tell us the real number' + '' + '

Everyday support plus a senior health cover — city-adjusted if you leave this blank.

' + '

'; root.querySelector("#kc-parents-cost").addEventListener("input", function (e) { h.parentsCost = digits(e.target.value); e.target.value = fmtInput(e.target.value); renderSoFar(); }); }; STEP_RENDERERS.debt = function (root) { var a = state.answers; var noneOn = !LOANS.some(function (l) { return a.d[l.k].on; }); var html = '

' + '

No loans :))

'; LOANS.forEach(function (l) { var d = a.d[l.k]; html += '

' + '

' + l.label + (d.on ? '' : '') + '

'; }); root.innerHTML = html; root.querySelector("#kc-noloans").addEventListener("click", function () { LOANS.forEach(function (l) { a.d[l.k].on = false; a.d[l.k].emi = ""; }); renderStep(); }); root.querySelectorAll(".kc-check-row[data-k]").forEach(function (el) { el.addEventListener("click", function (e) { if (e.target.classList.contains("kc-emi-input")) return; var k = el.dataset.k; a.d[k].on = !a.d[k].on; renderStep(); }); }); root.querySelectorAll(".kc-emi-input").forEach(function (el) { el.addEventListener("click", function (e) { e.stopPropagation(); }); el.addEventListener("input", function (e) { var k = e.target.dataset.k; a.d[k].emi = digits(e.target.value); e.target.value = fmtInput(e.target.value); renderSoFar(); }); }); }; STEP_RENDERERS.comfort = function (root) { var t = state.answers.t; var city = currentCity(); var hm = householdMultiplier(state.answers.household); var cityFactor = 0.78 + 0.22 * city.idx; var outAmt = 100 * Math.round((4500 * cityFactor * hm) / 100); var tripAmt = 100 * Math.round((6250 * cityFactor * hm) / 100); var c = calculate(state.answers, city); var saveAmt = 100 * Math.round((0.25 * (c.total - c.save)) / 100); function row(key, label, sub, amtText) { return '

' + '

' + label + '

' + sub + '

' + '

+ ' + amtText + ' a month

' + '' + '

'; } root.innerHTML = row("out", "Going out without checking the bill", "Drinks, films, birthdays, the round you insist on paying for.", fmt(outAmt)) + row("trip", "One real trip a year", "Flights, a decent room, seven days off. Spread across twelve months.", fmt(tripAmt)) + row("save", "Saving 20% of what you earn", "Investing for retirement or a planned purchase.", fmt(saveAmt)); root.querySelectorAll(".kc-switch[data-k]").forEach(function (el) { el.addEventListener("click", function () { var k = el.dataset.k; t[k] = !t[k]; renderStep(); }); }); }; // ============================================================ // NAVIGATION // ============================================================ els.navBack.addEventListener("click", function () { if (state.stepIndex === 0) return; goToStep(state.stepIndex - 1); }); els.navNext.addEventListener("click", function () { var steps = activeSteps(state.answers); if (state.stepIndex < steps.length - 1) { goToStep(state.stepIndex + 1); } else { showWorking(); } }); $("#kc-start").addEventListener("click", function () { els.landing.style.display = "none"; els.wizard.classList.add("on"); goToStep(0); }); function showWorking() { els.wizard.classList.remove("on"); els.working.style.display = "block"; var city = currentCity(); $("#kc-work-1-text").textContent = "Checking rents around " + (state.answers.pincode || "your pincode") + "."; $("#kc-work-2-text").textContent = "Pulling electricity tariffs for " + city.state + "."; ["kc-work-1", "kc-work-2", "kc-work-3"].forEach(function (id, i) { setTimeout(function () { $("#" + id).classList.add("active"); }, 350 * (i + 1)); }); setTimeout(showResults, 350 * 3 + 500); } // ============================================================ // RESULTS // ============================================================ function showResults() { els.working.style.display = "none"; els.results.classList.add("on"); var a = state.answers, city = currentCity(), c = calculate(a, city); $("#kc-res-city").textContent = (city.known ? city.name.toUpperCase() : "YOUR AREA") + " · WHAT YOUR LIFE COSTS"; $("#kc-res-amt").textContent = fmt(c.total); var lakh = (c.salary / 100000).toFixed(1); $("#kc-res-salary").innerHTML = "That is a ₹" + lakh + " lakh salary, before tax and PF."; renderBreakdown(a, city, c); renderGap(c); renderInsight(a, c); renderMethodology(city); } function optLabel(key, i) { var o = STEP_OPTIONS[key] && STEP_OPTIONS[key][i]; return o ? o : { label: "", sub: "" }; } function renderBreakdown(a, city, c) { var h = a.household; var scaledNote = (h.partner || h.parents > 0 || h.kidsAges.length > 0) ? " Scaled for your household using a standard equivalence assumption (stated, not measured)." : ""; var activeLoans = LOANS.filter(function (l) { return a.d[l.k].on; }); var debtNote = activeLoans.length ? activeLoans.map(function (l) { return l.label.replace(/^An /, "an ").replace(/^A /, "a ") + " at " + fmt(loanEmi(a, l.k)) + " a month"; }).join(", and ") + ". Repayments only, not the balances." : ""; var items = [ { k: "rent", label: "Rent", amt: c.rent, note: optLabel("roof", a.roof).label + " in " + city.name + "." + scaledNote, src: "Rent index · Jun 2026 · prototype data set" }, { k: "food", label: "Food", amt: c.food, note: optLabel("foodBase", a.foodBase).label + ", " + optLabel("foodFun", a.foodFun).label.toLowerCase() + "." + scaledNote, src: "Grocery + delivery averages · May 2026 · prototype data set" }, { k: "children", label: "Children", amt: c.children, note: h.kidsAges.length ? "You told us " + h.kidsAges.length + (h.kidsAges.length === 1 ? " child" : " children") + ". School, care, activities and health, city-adjusted." : "", src: "School + childcare basket · assumption, not measured" }, { k: "parents", label: "Supporting parents", amt: c.parents, note: h.parents ? "Everyday support for " + h.parents + (h.parents === 1 ? " parent" : " parents") + ", plus senior health cover." : "", src: "Elder support + senior premium · assumption, not measured" }, { k: "debt", label: "What you owe", amt: c.debt, note: debtNote, src: "Your own numbers" }, { k: "commute", label: "Getting around", amt: c.commute, note: optLabel("commute", a.commute).label + " in " + city.state + "." + scaledNote, src: "Fuel + fare rates · Jul 2026 · prototype data set" }, { k: "bills", label: "Bills", amt: c.bills, note: optLabel("bills", a.bills).label + " at " + city.state + " tariff." + scaledNote, src: city.state + " tariff · Apr 2026 · prototype data set" }, { k: "life", label: "The rest of your life", amt: c.life, note: (a.t.out || a.t.trip ? (a.t.out && a.t.trip ? "Going out, one trip a year, and roughly" : a.t.out ? "Going out, and roughly" : "One trip a year, and roughly") : "Roughly") + " 8% of your core spend for the things nobody budgets for.", src: "Assumption · stated, not sourced" }, { k: "body", label: "Health", amt: c.body, note: optLabel("body", a.body).label + "." + scaledNote, src: "Premium tables · Jan 2026 · prototype data set" }, { k: "save", label: "Savings", amt: c.save, note: "A quarter of everything above, so a fifth of your take-home stays yours.", src: "Your choice on the last screen" } ].filter(function (it) { return it.amt > 0; }).sort(function (x, y) { return y.amt - x.amt; }); var colors = ["#AA9FFF", "#1fd6a0", "#f5c451", "#22cdc6", "#fb9a4b", "#f2555f", "#6ea8ff", "#e07be0", "#8a8fbe", "#5f6396"]; var html = ""; items.forEach(function (it, i) { var pct = Math.round((it.amt / c.total) * 100); var color = colors[i % colors.length]; html += '

' + '

' + it.label + '' + pct + '%

' + '

' + fmt(it.amt) + '

' + '

' + (it.note ? '

' + it.note + '

' + it.src + '

' : "") + '

'; }); $("#kc-breakdown").innerHTML = html; document.querySelectorAll(".kc-bd-top").forEach(function (el) { el.addEventListener("click", function () { var note = $("#kc-note-" + el.dataset.k); if (note) note.classList.toggle("show"); }); }); } function renderGap(c) { var you = c.total, median = MEDIAN_ADULT; var maxV = Math.max(you, median); var youH = Math.max(10, Math.round((you / maxV) * 100)); var medH = Math.max(10, Math.round((median / maxV) * 100)); $("#kc-gap-bars").innerHTML = '

' + fmt(median) + '

median Indian adult

' + '

' + fmt(you) + '

you need

'; var st = standing(you); $("#kc-gap-copy").innerHTML = "Your number puts you in the " + st.label + " of Indian earners. " + st.more + " Income distribution: World Inequality Lab, India (2024)."; } function renderInsight(a, c) { var candidates = []; var deliveryAnnual = 12 * c.foodFun; candidates.push({ s: deliveryAnnual / 60000, text: "You will spend " + fmt(deliveryAnnual) + " on delivery and eating out next year." }); var rentShare = c.rent / c.total; candidates.push({ s: rentShare / 0.25, text: "Rent is " + Math.round(rentShare * 100) + "% of your take-home. The rule of thumb is 25%." }); if (c.children > 0) { var childShare = c.children / c.total; candidates.push({ s: childShare / 0.2, text: "Raising your kids runs " + fmt(12 * c.children) + " a year — " + Math.round(childShare * 100) + "% of your take-home." }); } if (c.parents > 0) { candidates.push({ s: (c.parents / c.total) / 0.12, text: "Supporting your parents is " + fmt(12 * c.parents) + " a year." }); } if (c.debt > 0) { var debtShare = c.debt / (c.total - c.debt); candidates.push({ s: debtShare / 0.15, text: "What you owe is " + Math.round(debtShare * 100) + "% of everything else you spend." }); } candidates.sort(function (x, y) { return y.s - x.s; }); $("#kc-insight-text").textContent = candidates[0].text; } function renderMethodology(city) { $("#kc-method-body").innerHTML = "Rent, commute, food, bills, and health figures are a prototype data set — illustrative city-scaled estimates, not independently verified against current listings or tariff filings. " + "City scaling multiplies a Bengaluru-baseline figure by a per-city index (" + city.name + (city.known ? ": " + city.idx + "×" : "") + "). " + "Gross salary assumes take-home is 93% of CTC — a simplification; your actual ratio depends on your tax regime and structure. " + "The income-distribution comparison uses World Inequality Lab (2024) figures, the same source Monzy's income percentile tool uses. " + "Nothing you enter is sent anywhere — everything runs in your browser."; } // ---- share link (encodes answers, never the pincode) ---- $("#kc-share").addEventListener("click", function () { var a = state.answers; var payload = { age: a.age, roof: a.roof, commute: a.commute, foodBase: a.foodBase, foodFun: a.foodFun, bills: a.bills, body: a.body, d: a.d, t: a.t, household: a.household, cityIdx: currentCity().idx, cityKnown: currentCity().known, cityName: currentCity().name, cityState: currentCity().state }; var encoded = encodeURIComponent(btoa(JSON.stringify(payload))); var url = location.origin + location.pathname + "?a=" + encoded; var btn = $("#kc-share"); function flash() { var old = btn.textContent; btn.textContent = "Link copied"; setTimeout(function () { btn.textContent = old; }, 1600); } if (navigator.clipboard && navigator.clipboard.writeText) { navigator.clipboard.writeText(url).then(flash); } else { var ta = document.createElement("textarea"); ta.value = url; document.body.appendChild(ta); ta.select(); try { document.execCommand("copy"); flash(); } catch (e) {} document.body.removeChild(ta); } }); // ---- load from a shared link, if present ---- (function loadFromShareLink() { var params = new URLSearchParams(location.search); var enc = params.get("a"); if (!enc) return; try { var payload = JSON.parse(atob(decodeURIComponent(enc))); var a = freshAnswers(); ["age", "roof", "commute", "foodBase", "foodFun", "bills", "body", "d", "t", "household"].forEach(function (k) { if (payload[k] !== undefined) a[k] = payload[k]; }); state.answers = a; // A shared link carries no pincode — city comes from the payload directly. state._sharedCity = { name: payload.cityName, state: payload.cityState, idx: payload.cityIdx, known: payload.cityKnown }; els.landing.style.display = "none"; showWorking(); } catch (e) { /* malformed link — just show the landing page */ } })(); })();

How much does your life actually cost?