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<title>כיכר בכיכר - מחשבון פיננסי משולב ומתקדם</title>
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<style>
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* {
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body {
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direction: rtl;
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min-height: 100vh;
color: #333;
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.container {
max-width: 1300px;
margin: 0 auto;
background: white;
border-radius: 20px;
box-shadow: 0 20px 60px rgba(0,0,0,0.15);
overflow: hidden;
padding: 30px 40px;
}
h1, h2, h3 {
text-align: center;
color: #444;
margin-bottom: 25px;
}
h1 {
font-size: 2.5em;
color: #fff;
text-shadow: 2px 2px 4px rgba(0,0,0,0.2);
margin-bottom: 40px;
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h2 {
font-size: 1.8em;
border-bottom: 2px solid #eee;
padding-bottom: 10px;
margin-top: 30px;
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h3 {
font-size: 1.5em;
color: #764ba2;
margin-bottom: 20px;
}
.input-section, .results-section, .graph-section, .tools-section, .feedback-section, .tracking-section {
background: #f9f9f9;
border-radius: 15px;
padding: 25px;
margin-bottom: 30px;
box-shadow: inset 0 0 10px rgba(0,0,0,0.05);
}
.input-group {
display: flex;
flex-wrap: wrap;
gap: 20px;
margin-bottom: 20px;
align-items: center;
}
.form-field {
flex: 1 1 calc(33% - 20px); /* 3 columns on large screens */
display: flex;
flex-direction: column;
min-width: 250px;
}
label {
font-weight: bold;
margin-bottom: 8px;
color: #555;
font-size: 0.95em;
}
input[type="number"],
select {
padding: 12px 15px;
border: 1px solid #ddd;
border-radius: 8px;
font-size: 1em;
width: 100%;
transition: all 0.3s ease;
background-color: #fff;
}
input[type="number"]:focus,
select:focus {
border-color: #667eea;
box-shadow: 0 0 0 3px rgba(102, 126, 234, 0.2);
outline: none;
}
.input-row.error input {
border-color: #dc3545;
background-color: #f8d7da;
}
.error-message {
color: #dc3545;
font-size: 0.85em;
margin-top: 5px;
display: none;
width: 100%;
}
.buttons-group {
text-align: center;
margin-top: 30px;
display: flex;
justify-content: center;
gap: 15px;
flex-wrap: wrap;
}
.btn {
background-color: #667eea;
color: white;
padding: 12px 25px;
border: none;
border-radius: 8px;
font-size: 1.1em;
cursor: pointer;
transition: background-color 0.3s ease, transform 0.2s ease;
margin: 0 5px;
box-shadow: 0 5px 15px rgba(102, 126, 234, 0.3);
}
.btn:hover {
background-color: #556cdb;
transform: translateY(-2px);
}
.btn:active {
transform: translateY(0);
box-shadow: 0 2px 5px rgba(102, 126, 234, 0.3);
}
.btn-secondary {
background-color: #764ba2;
}
.btn-success {
background-color: #27ae60;
}
.btn-secondary:hover {
background-color: #653b8f;
}
.btn-success:hover {
background-color: #229954;
}
table {
width: 100%;
border-collapse: collapse;
margin-top: 20px;
background-color: #fff;
border-radius: 10px;
overflow: hidden;
box-shadow: 0 5px 15px rgba(0,0,0,0.08);
}
th, td {
padding: 15px;
text-align: right;
border: 1px solid #eee;
}
th {
background-color: #f0f0f0;
color: #555;
font-weight: bold;
text-transform: uppercase;
font-size: 0.9em;
text-align: center;
}
td {
text-align: center;
vertical-align: middle;
}
td:first-child {
font-weight: bold;
text-align: right;
}
tr:nth-child(even) {
background-color: #fdfdfd;
}
tr:hover {
background-color: #f5f5f5;
}
td.negative {
color: #e74c3c; /* Red for negative values */
font-weight: bold;
}
td.positive {
color: #27ae60; /* Green for positive values */
font-weight: bold;
}
canvas {
background: white;
border-radius: 15px;
padding: 20px;
box-shadow: 0 5px 15px rgba(0,0,0,0.08);
margin-top: 20px;
}
.feedback-section {
background: #fff3cd; /* Light yellow for warnings */
border-left: 5px solid #ffc107; /* Yellow border */
padding: 15px;
border-radius: 8px;
margin-top: 20px;
display: none; /* Hidden by default */
}
.feedback-section ul {
list-style: none;
padding-right: 0;
}
.feedback-section li {
margin-bottom: 8px;
color: #856404; /* Dark yellow text */
}
.hidden {
display: none !important;
}
.scenario-input-table input[type="number"], .monthly-tracking-table input[type="number"] {
width: 100%;
padding: 10px;
min-width: 120px;
}
/* Responsive adjustments */
@media (max-width: 992px) {
.form-field {
flex: 1 1 calc(50% - 20px);
}
}
@media (max-width: 768px) {
.form-field {
flex: 1 1 100%;
}
.results-section table, .input-section table, .tracking-section table {
display: block;
overflow-x: auto;
white-space: nowrap;
}
}
</style>
</head>
<body>
<div class="container">
<h1>מחשבון פיננסי משולב ומתקדם</h1>
<div class="input-section">
<h2>תכנון ותחזית עסקית (What-If)</h2>
<h3>פרמטרים כלליים</h3>
<div class="input-group">
<div class="form-field">
<label for="initial_investment">השקעה ראשונית (₪)</label>
<input type="number" id="initial_investment" value="1500000">
<span class="error-message"></span>
</div>
<div class="form-field">
<label for="depreciation_years">שנות פחת</label>
<input type="number" id="depreciation_years" value="10">
<span class="error-message"></span>
</div>
<div class="form-field">
<label for="work_days_year">ימי עבודה בשנה</label>
<input type="number" id="work_days_year" value="315">
<span class="error-message"></span>
</div>
<div class="form-field">
<label for="tax_rate">שיעור מס (%)</label>
<input type="number" id="tax_rate" value="23" min="0" max="100">
<span class="error-message"></span>
</div>
<div class="form-field">
<label for="discount_rate">שיעור היוון (%)</label>
<input type="number" id="discount_rate" value="9" min="0">
<span class="error-message"></span>
</div>
<div class="form-field">
<label for="inflation_rate">שיעור אינפלציה (%)</label>
<input type="number" id="inflation_rate" value="2" min="0">
<span class="error-message"></span>
</div>
<div class="form-field">
<label for="arnona_annual">ארנונה שנתית (₪)</label>
<input type="number" id="arnona_annual" value="84000">
<span class="error-message"></span>
</div>
<div class="form-field">
<label for="rent_annual">שכירות שנתית (₪)</label>
<input type="number" id="rent_annual" value="720000">
<span class="error-message"></span>
</div>
<div class="form-field">
<label for="manager_salary_annual">משכורת מנהל שנתית (₪)</label>
<input type="number" id="manager_salary_annual" value="120000">
<span class="error-message"></span>
</div>
<div class="form-field">
<label for="other_opex_variable_ratio">יחס הוצאות תפעול משתנות אחרות (%)</label>
<input type="number" id="other_opex_variable_ratio" value="60" min="0" max="100">
<span class="error-message"></span>
</div>
</div>
<h3>פרמטרים של הון חוזר</h3>
<div class="input-group">
<div class="form-field">
<label for="dso_days">ימי לקוחות (DSO)</label>
<input type="number" id="dso_days" value="20" min="0">
<span class="error-message"></span>
</div>
<div class="form-field">
<label for="dio_days">ימי מלאי (DIO)</label>
<input type="number" id="dio_days" value="30" min="0">
<span class="error-message"></span>
</div>
<div class="form-field">
<label for="dpo_days">ימי ספקים (DPO)</label>
<input type="number" id="dpo_days" value="75" min="0">
<span class="error-message"></span>
</div>
</div>
<h3>הזנת נתונים לפי תרחישים</h3>
<table class="scenario-input-table">
<thead>
<tr>
<th>פרמטר</th>
<th>פסימי</th>
<th>בסיס</th>
<th>אופטימי</th>
</tr>
</thead>
<tbody>
<tr>
<td>קונים ביום</td>
<td><input type="number" id="daily_buyers_pessimistic" value="150"><span class="error-message"></span></td>
<td><input type="number" id="daily_buyers_base" value="216"><span class="error-message"></span></td>
<td><input type="number" id="daily_buyers_optimistic" value="230"><span class="error-message"></span></td>
</tr>
<tr>
<td>סל קנייה ממוצע (₪)</td>
<td><input type="number" id="avg_basket_pessimistic" value="81"><span class="error-message"></span></td>
<td><input type="number" id="avg_basket_base" value="90"><span class="error-message"></span></td>
<td><input type="number" id="avg_basket_optimistic" value="99"><span class="error-message"></span></td>
</tr>
<tr>
<td>רווח גולמי (%)</td>
<td><input type="number" id="gross_profit_percent_pessimistic" value="23"><span class="error-message"></span></td>
<td><input type="number" id="gross_profit_percent_base" value="25"><span class="error-message"></span></td>
<td><input type="number" id="gross_profit_percent_optimistic" value="27"><span class="error-message"></span></td>
</tr>
<tr>
<td>משכורת עובד שנתית (₪)</td>
<td><input type="number" id="employee_salary_pessimistic" value="180000"><span class="error-message"></span></td>
<td><input type="number" id="employee_salary_base" value="180000"><span class="error-message"></span></td>
<td><input type="number" id="employee_salary_optimistic" value="210000"><span class="error-message"></span></td>
</tr>
<tr>
<td>תשתיות (חשמל, מים) (₪)</td>
<td><input type="number" id="utilities_pessimistic" value="18000"><span class="error-message"></span></td>
<td><input type="number" id="utilities_base" value="8100"><span class="error-message"></span></td>
<td><input type="number" id="utilities_optimistic" value="20001"><span class="error-message"></span></td>
</tr>
<tr>
<td>תחזוקה (₪)</td>
<td><input type="number" id="maintenance_pessimistic" value="9999"><span class="error-message"></span></td>
<td><input type="number" id="maintenance_base" value="3825"><span class="error-message"></span></td>
<td><input type="number" id="maintenance_optimistic" value="12000"><span class="error-message"></span></td>
</tr>
<tr>
<td>הוצאות כלליות (₪)</td>
<td><input type="number" id="general_expenses_pessimistic" value="8001"><span class="error-message"></span></td>
<td><input type="number" id="general_expenses_base" value="4500"><span class="error-message"></span></td>
<td><input type="number" id="general_expenses_optimistic" value="9999"><span class="error-message"></span></td>
</tr>
<tr>
<td>שיווק (₪)</td>
<td><input type="number" id="marketing_pessimistic" value="15000"><span class="error-message"></span></td>
<td><input type="number" id="marketing_base" value="11475"><span class="error-message"></span></td>
<td><input type="number" id="marketing_optimistic" value="39999"><span class="error-message"></span></td>
</tr>
<tr>
<td>ייעוץ, ביטוח והוצאות אחרות (₪)</td>
<td><input type="number" id="consulting_insurance_pessimistic" value="30000"><span class="error-message"></span></td>
<td><input type="number" id="consulting_insurance_base" value="14850"><span class="error-message"></span></td>
<td><input type="number" id="consulting_insurance_optimistic" value="35001"><span class="error-message"></span></td>
</tr>
</tbody>
</table>
</div>
<div class="results-section">
<h2>סיכום תוצאות ותחזיות (שנה 1)</h2>
<table id="summaryResultsTable">
<thead>
<tr>
<th>פרמטר</th>
<th>פסימי</th>
<th>בסיס</th>
<th>אופטימי</th>
</tr>
</thead>
<tbody></tbody>
</table>
</div>
<div id="feedbackSection" class="feedback-section hidden">
<h2>הערות והמלצות (מבוסס על תרחיש בסיס)</h2>
<ul id="feedbackList"></ul>
</div>
<div class="graph-section">
<h2>ניתוח גרפי של תרחישים</h2>
<canvas id="scenarioComparisonChart"></canvas>
<canvas id="cashFlowProjectionChart"></canvas>
</div>
<div class="tracking-section">
<h2>מעקב ביצועים חודשי (What Happened)</h2>
<p style="text-align: center; margin-bottom: 20px;">הזן כאן את הנתונים בפועל של העסק מדי חודש כדי לעקוב אחר הביצועים ההיסטוריים.</p>
<table class="monthly-tracking-table">
<thead>
<tr>
<th>חודש</th>
<th>הכנסות (₪)</th>
<th>הוצאות משתנות (₪)</th>
<th>הוצאות קבועות (₪)</th>
<th>רווח נקי (₪)</th>
</tr>
</thead>
<tbody id="monthlyTrackingBody">
</tbody>
</table>
<div class="buttons-group">
<button class="btn btn-success" onclick="addMonthRow()">+ הוסף חודש</button>
</div>
<canvas id="historicalTrendChart"></canvas>
</div>
<div class="tools-section">
<h2>כלים ופעולות</h2>
<div class="buttons-group">
<button class="btn" onclick="calculateAndShow()">חשב תחזית</button>
<button class="btn btn-secondary" onclick="resetInputs()">אפס הכל</button>
<button class="btn" onclick="saveData()">שמור הכל</button>
<button class="btn" onclick="loadData()">טען הכל</button>
<button class="btn" onclick="downloadPDF()">הורד דוח PDF</button>
<button class="btn btn-secondary" onclick="downloadCSV()">הורד נתוני Excel (CSV)</button>
</div>
</div>
</div>
<script src="
https://cdnjs.cloudflare.com/ajax/libs/jspdf/2.5.1/jspdf.umd.min.js"></script>
<script src="https://unpkg.com/<לא ניתן לפרסם מיילים באופן פומבי>/dist/jspdf.plugin.autotable.js"></script>
<script>
// --- DOM Elements & Global Variables ---
const summaryResultsBody = document.querySelector('#summaryResultsTable tbody');
const monthlyTrackingBody = document.getElementById('monthlyTrackingBody');
const scenarioChartCtx = document.getElementById('scenarioComparisonChart').getContext('2d');
const cashFlowChartCtx = document.getElementById('cashFlowProjectionChart').getContext('2d');
const historicalChartCtx = document.getElementById('historicalTrendChart').getContext('2d');
const feedbackSection = document.getElementById('feedbackSection');
const feedbackList = document.getElementById('feedbackList');
let scenarioChart, cashFlowChart, historicalChart;
let monthlyData = [];
const scenarios = ['pessimistic', 'base', 'optimistic'];
const forecastInputIds = [
'initial_investment', 'depreciation_years', 'work_days_year', 'tax_rate', 'discount_rate',
'inflation_rate', 'arnona_annual', 'rent_annual', 'manager_salary_annual', 'other_opex_variable_ratio',
'dso_days', 'dio_days', 'dpo_days',
...scenarios.flatMap(s => [
`daily_buyers_${s}`, `avg_basket_${s}`, `gross_profit_percent_${s}`, `employee_salary_${s}`,
`utilities_${s}`, `maintenance_${s}`, `general_expenses_${s}`, `marketing_${s}`, `consulting_insurance_${s}`
])
];
const inputs = {};
forecastInputIds.forEach(id => {
inputs[id] = document.getElementById(id);
});
// --- Helper Functions ---
function formatCurrency(num) {
if (typeof num !== 'number' || isNaN(num)) return 'N/A';
return new Intl.NumberFormat('he-IL', { style: 'currency', currency: 'ILS', maximumFractionDigits: 0 }).format(num);
}
function formatPercent(num) {
if (typeof num !== 'number' || isNaN(num)) return 'N/A';
return (num * 100).toFixed(1) + '%';
}
function formatYears(num) {
if (typeof num !== 'number' || isNaN(num)) return 'מעבר לתקופה';
return num.toFixed(2);
}
function formatNumber(num) {
if (typeof num !== 'number' || isNaN(num)) return 'N/A';
return num.toLocaleString('he-IL', { maximumFractionDigits: 0 });
}
// --- FORECASTING LOGIC ---
function calculateFinancialMetrics() {
const globalParams = {};
['initial_investment', 'depreciation_years', 'work_days_year', 'tax_rate', 'discount_rate', 'inflation_rate', 'arnona_annual', 'rent_annual', 'manager_salary_annual', 'other_opex_variable_ratio', 'dso_days', 'dio_days', 'dpo_days'].forEach(id => {
globalParams[id] = parseFloat(inputs[id].value);
});
globalParams.tax_rate /= 100;
globalParams.discount_rate /= 100;
globalParams.inflation_rate /= 100;
globalParams.other_opex_variable_ratio /= 100;
const results = {};
for (const s of scenarios) {
const scenarioParams = {};
['daily_buyers', 'avg_basket', 'gross_profit_percent', 'employee_salary', 'utilities', 'maintenance', 'general_expenses', 'marketing', 'consulting_insurance'].forEach(p => {
scenarioParams[p] = parseFloat(inputs[`${p}_${s}`].value);
});
scenarioParams.gross_profit_percent /= 100;
const annualRevenue = scenarioParams.daily_buyers * scenarioParams.avg_basket * globalParams.work_days_year;
const grossProfitAnnual = annualRevenue * scenarioParams.gross_profit_percent;
const fixedOpexGlobal = globalParams.rent_annual + globalParams.manager_salary_annual + globalParams.arnona_annual;
const otherOpexTotal = scenarioParams.employee_salary + scenarioParams.utilities + scenarioParams.maintenance + scenarioParams.general_expenses + scenarioParams.marketing + scenarioParams.consulting_insurance;
const variableOtherOpex = otherOpexTotal * globalParams.other_opex_variable_ratio;
const fixedOtherOpex = otherOpexTotal * (1 - globalParams.other_opex_variable_ratio);
const totalFixedOpex = fixedOpexGlobal + fixedOtherOpex;
const depreciationAnnual = globalParams.depreciation_years > 0 ? (globalParams.initial_investment / globalParams.depreciation_years) : 0;
const operatingProfit = grossProfitAnnual - totalFixedOpex - variableOtherOpex;
const profitBeforeTax = operatingProfit - depreciationAnnual;
const taxAmount = profitBeforeTax > 0 ? profitBeforeTax * globalParams.tax_rate : 0;
const netProfit = profitBeforeTax - taxAmount;
const roi = globalParams.initial_investment > 0 ? (netProfit / globalParams.initial_investment) : 0;
const contributionMarginPerBasket = scenarioParams.avg_basket * scenarioParams.gross_profit_percent - (variableOtherOpex / (scenarioParams.daily_buyers * globalParams.work_days_year)) * scenarioParams.avg_basket;
let breakEvenBuyers = NaN;
if (contributionMarginPerBasket > 0) {
const requiredRevenue = (totalFixedOpex + depreciationAnnual) / (contributionMarginPerBasket / scenarioParams.avg_basket);
breakEvenBuyers = (requiredRevenue / scenarioParams.avg_basket) / globalParams.work_days_year;
}
const cashFlowsForProjection = [];
let previousYearWC = 0;
const projectionYears = globalParams.depreciation_years > 0 ? Math.max(globalParams.depreciation_years, 10) : 10;
for (let year = 1; year <= projectionYears; year++) {
const inf_multiplier = Math.pow(1 + globalParams.inflation_rate, year - 1);
const currentAnnualRevenue = annualRevenue * inf_multiplier;
const currentGrossProfit = grossProfitAnnual * inf_multiplier;
const currentFixedOpex = totalFixedOpex * inf_multiplier;
const currentVariableOtherOpex = variableOtherOpex * inf_multiplier;
const currentOperatingProfit = currentGrossProfit - currentFixedOpex - currentVariableOtherOpex;
const currentProfitBeforeTax = currentOperatingProfit - depreciationAnnual;
const currentTaxAmount = currentProfitBeforeTax > 0 ? currentProfitBeforeTax * globalParams.tax_rate : 0;
const currentNetProfit = currentProfitBeforeTax - currentTaxAmount;
const currentCashFlowBeforeWC = currentNetProfit + depreciationAnnual;
const currentCOGS = currentAnnualRevenue * (1 - scenarioParams.gross_profit_percent);
const currentAR = (currentAnnualRevenue / 365) * globalParams.dso_days;
const currentInv = (currentCOGS / 365) * globalParams.dio_days;
const currentAP = (currentCOGS / 365) * globalParams.dpo_days;
const currentWC = currentAR + currentInv - currentAP;
const wcChange = currentWC - previousYearWC;
previousYearWC = currentWC;
cashFlowsForProjection.push(currentCashFlowBeforeWC - wcChange);
}
const fullCashFlowStream = [-globalParams.initial_investment, ...cashFlowsForProjection];
const npv = calculateNPV(fullCashFlowStream, globalParams.discount_rate);
const irr = calculateIRR(fullCashFlowStream);
const paybackPeriod = calculatePaybackPeriod(-globalParams.initial_investment, cashFlowsForProjection);
results
= { annualRevenue, grossProfitAnnual, totalFixedOpex, variableOtherOpex, depreciationAnnual, operatingProfit, profitBeforeTax, taxAmount, netProfit, roi, breakEvenBuyers, npv, irr, paybackPeriod, cashFlowsForProjection };
}
return results;
}
function calculateNPV(cashFlows, rate) { let npv = cashFlows[0] || 0; for (let i = 1; i < cashFlows.length; i++) { npv += cashFlows / Math.pow(1 + rate, i); } return npv; }
function calculateIRR(cashFlows) { const precision = 1e-7; let guess = 0.1; for (let i = 0; i < 100; i++) { let npv = 0; let derivative = 0; for (let j = 0; j < cashFlows.length; j++) { npv += cashFlows[j] / Math.pow(1 + guess, j); derivative -= j * cashFlows[j] / Math.pow(1 + guess, j + 1); } if (Math.abs(npv) < precision) return guess; if (derivative === 0) break; guess -= npv / derivative; } return NaN; }
function calculatePaybackPeriod(initialInvestment, cashFlows) { if (initialInvestment <= 0) return 0; let cumulative = 0; for (let i = 0; i < cashFlows.length; i++) { const lastCumulative = cumulative; cumulative += cashFlows; if (cumulative >= initialInvestment) { return i + (initialInvestment - lastCumulative) / cashFlows; } } return NaN; }
function displayForecastResults(metrics) {
summaryResultsBody.innerHTML = '';
const createRow = (label, key, formatter) => {
const tr = document.createElement('tr');
tr.innerHTML = `<td>${label}</td>`;
scenarios.forEach(s => {
const value = metrics[key];
const td = document.createElement('td');
td.textContent = formatter(value);
if (typeof value === 'number' && ['npv', 'netProfit', 'roi'].includes(key)) {
td.classList.add(value >= 0 ? 'positive' : 'negative');
}
tr.appendChild(td);
});
summaryResultsBody.appendChild(tr);
};
createRow('הכנסה שנתית (₪)', 'annualRevenue', formatCurrency);
createRow('רווח גולמי שנתי (₪)', 'grossProfitAnnual', formatCurrency);
createRow('סה"כ הוצאות תפעול קבועות (₪)', 'totalFixedOpex', formatCurrency);
createRow('סה"כ הוצאות תפעול משתנות (₪)', 'variableOtherOpex', formatCurrency);
createRow('פחת שנתי (₪)', 'depreciationAnnual', formatCurrency);
createRow('רווח תפעולי (₪)', 'operatingProfit', formatCurrency);
createRow('רווח לפני מס (₪)', 'profitBeforeTax', formatCurrency);
createRow('מס (₪)', 'taxAmount', formatCurrency);
createRow('רווח נקי לאחר מס (₪)', 'netProfit', formatCurrency);
createRow('נקודת איזון (קונים ביום)', 'breakEvenBuyers', formatNumber);
createRow('החזר על השקעה (ROI)', 'roi', formatPercent);
createRow('ערך נוכחי נקי (NPV) (₪)', 'npv', formatCurrency);
createRow('שיעור תשואה פנימי (IRR)', 'irr', formatPercent);
createRow('תקופת החזר (שנים)', 'paybackPeriod', formatYears);
}
function updateForecastCharts(metrics) {
if (scenarioChart) scenarioChart.destroy();
scenarioChart = new Chart(scenarioChartCtx, { type: 'bar', data: { labels: ['פסימי', 'בסיס', 'אופטימי'], datasets: [ { label: 'ROI (%)', data: scenarios.map(s => metrics.roi * 100), backgroundColor: ['#e74c3c', '#667eea', '#27ae60'], yAxisID: 'y' }, { label: 'רווח נקי (₪)', data: scenarios.map(s => metrics.netProfit), backgroundColor: 'rgba(118, 75, 162, 0.5)', type: 'line', yAxisID: 'y1' } ] }, options: { plugins: { title: { display: true, text: 'השוואת מדדים מרכזיים (שנה 1)', font: {size: 16} } }, scales: { y: { position: 'left', title: { display: true, text: 'ROI (%)' }, ticks: { callback: v => v.toFixed(1) + '%' } }, y1: { position: 'right', title: { display: true, text: 'סכום (₪)' }, grid: { drawOnChartArea: false }, ticks: { callback: v => formatCurrency(v).replace('₪', '') } } } } });
const projectionYears = metrics.base.cashFlowsForProjection.length;
if (cashFlowChart) cashFlowChart.destroy();
cashFlowChart = new Chart(cashFlowChartCtx, { type: 'line', data: { labels: Array.from({length: projectionYears}, (_, i) => `שנה ${i + 1}`), datasets: scenarios.map(s => ({ label: `תזרים מזומנים - ${s}`, data: metrics.cashFlowsForProjection, borderColor: {'pessimistic': '#e74c3c', 'base': '#667eea', 'optimistic': '#27ae60'}, fill: true, tension: 0.3 })) }, options: { plugins: { title: { display: true, text: 'תחזית תזרים מזומנים נטו', font: {size: 16} } }, scales: { y: { ticks: { callback: v => formatCurrency(v) } } } } });
}
function generateIntelligentWarnings(metrics) {
const messages = [];
const base = metrics.base;
if (base.npv <= 0) messages.push('בסיכון: ה-NPV בתרחיש הבסיס שלילי. הפרויקט אינו נראה כדאי.');
if (isNaN(base.paybackPeriod) || base.paybackPeriod > 5) messages.push(`שימו לב: תקופת ההחזר ארוכה (${formatYears(base.paybackPeriod)} שנים), דבר המעלה סיכון.`);
if (isNaN(base.irr) || base.irr < parseFloat(inputs.discount_rate.value) / 100) messages.push('אזהרה: שיעור התשואה הפנימי (IRR) נמוך משיעור ההיוון.');
feedbackList.innerHTML = '';
if (messages.length > 0) {
feedbackSection.classList.remove('hidden');
messages.forEach(msg => { feedbackList.innerHTML += `<li>• ${msg}</li>`; });
} else {
feedbackSection.classList.add('hidden');
}
}
function calculateAndShow() {
let allValid = true;
forecastInputIds.forEach(id => { if (!validateInput(inputs[id])) allValid = false; });
if (!allValid) { alert("יש לתקן את השדות המסומנים באדום."); return; }
const metrics = calculateFinancialMetrics();
displayForecastResults(metrics);
updateForecastCharts(metrics);
generateIntelligentWarnings(metrics);
}
function validateInput(el) { if (!el) return true; const errorEl = el.parentElement.querySelector('.error-message'); el.classList.remove('input-error'); if(errorEl) errorEl.style.display = 'none'; if (el.value === '' || isNaN(parseFloat(el.value))) { el.classList.add('input-error'); if(errorEl) { errorEl.textContent = 'שדה חובה מספרי'; errorEl.style.display = 'block'; } return false; } return true; }
// --- HISTORICAL TRACKING LOGIC ---
function renderMonthlyTable() {
monthlyTrackingBody.innerHTML = '';
monthlyData.forEach((data, index) => {
const row = document.createElement('tr');
row.dataset.index = index;
const netProfit = (data.revenue || 0) - (data.variable_expenses || 0) - (data.fixed_expenses || 0);
row.innerHTML = `
<td><input type="month" class="form-control" value="${data.month}" data-field="month"></td>
<td><input type="number" value="${data.revenue || ''}" placeholder="0" data-field="revenue"></td>
<td><input type="number" value="${data.variable_expenses || ''}" placeholder="0" data-field="variable_expenses"></td>
<td><input type="number" value="${data.fixed_expenses || ''}" placeholder="0" data-field="fixed_expenses"></td>
<td class="${netProfit >= 0 ? 'positive' : 'negative'}">${formatCurrency(netProfit)}</td>
`;
monthlyTrackingBody.appendChild(row);
});
updateHistoricalChart();
}
function addMonthRow() {
const lastMonth = monthlyData.length > 0 ? new Date(monthlyData[monthlyData.length - 1].month + '-01') : new Date();
lastMonth.setMonth(lastMonth.getMonth() + 1);
const nextMonthStr = lastMonth.toISOString().slice(0, 7);
monthlyData.push({ month: nextMonthStr, revenue: 0, variable_expenses: 0, fixed_expenses: 0 });
renderMonthlyTable();
// Scroll to the new row
monthlyTrackingBody.lastChild.scrollIntoView({ behavior: 'smooth' });
}
function updateHistoricalChart() {
if (historicalChart) historicalChart.destroy();
const sortedData = [...monthlyData].sort((a, b) => new Date(a.month) - new Date(b.month));
const labels = sortedData.map(d => d.month);
const revenueData = sortedData.map(d => d.revenue || 0);
const expensesData = sortedData.map(d => (d.variable_expenses || 0) + (d.fixed_expenses || 0));
const profitData = sortedData.map(d => (d.revenue || 0) - (d.variable_expenses || 0) - (d.fixed_expenses || 0));
historicalChart = new Chart(historicalChartCtx, {
type: 'line',
data: {
labels: labels,
datasets: [
{ label: 'הכנסות', data: revenueData, borderColor: '#27ae60', tension: 0.1 },
{ label: 'סה"כ הוצאות', data: expensesData, borderColor: '#e74c3c', tension: 0.1 },
{ label: 'רווח נקי', data: profitData, borderColor: '#667eea', backgroundColor: 'rgba(102, 126, 234, 0.2)', fill: true, tension: 0.1 }
]
},
options: {
plugins: { title: { display: true, text: 'מגמות ביצועים לאורך זמן', font: {size: 16} } },
scales: { y: { ticks: { callback: value => formatCurrency(value) } } }
}
});
}
// --- GLOBAL USER ACTIONS (Reset, Save, Load) ---
function resetInputs() {
const defaults = { initial_investment: "1500000", depreciation_years: "10", work_days_year: "315", tax_rate: "23", discount_rate: "9", inflation_rate: "2", arnona_annual: "84000", rent_annual: "720000", manager_salary_annual: "120000", other_opex_variable_ratio: "60", dso_days: "20", dio_days: "30", dpo_days: "75", daily_buyers_pessimistic: "150", daily_buyers_base: "216", daily_buyers_optimistic: "230", avg_basket_pessimistic: "81", avg_basket_base: "90", avg_basket_optimistic: "99", gross_profit_percent_pessimistic: "23", gross_profit_percent_base: "25", gross_profit_percent_optimistic: "27", employee_salary_pessimistic: "180000", employee_salary_base: "180000", employee_salary_optimistic: "210000", utilities_pessimistic: "18000", utilities_base: "8100", utilities_optimistic: "20001", maintenance_pessimistic: "9999", maintenance_base: "3825", maintenance_optimistic: "12000", general_expenses_pessimistic: "8001", general_expenses_base: "4500", general_expenses_optimistic: "9999", marketing_pessimistic: "15000", marketing_base: "11475", marketing_optimistic: "39999", consulting_insurance_pessimistic: "30000", consulting_insurance_base: "14850", consulting_insurance_optimistic: "35001" };
forecastInputIds.forEach(id => { if (inputs[id]) inputs[id].value = defaults[id]; validateInput(inputs[id]); });
monthlyData = [];
renderMonthlyTable();
calculateAndShow();
}
function saveData() {
const dataToSave = { forecast: {}, tracking: monthlyData };
forecastInputIds.forEach(id => { if (inputs[id]) dataToSave.forecast[id] = inputs[id].value; });
localStorage.setItem('financialCalculatorData', JSON.stringify(dataToSave));
alert('כל הנתונים (תחזית ומעקב) נשמרו בהצלחה!');
}
function loadData() {
const savedData = localStorage.getItem('financialCalculatorData');
if (savedData) {
const parsed = JSON.parse(savedData);
if (parsed.forecast) {
forecastInputIds.forEach(id => { if (inputs[id] && parsed.forecast[id] !== undefined) inputs[id].value = parsed.forecast[id]; });
}
if (parsed.tracking) {
monthlyData = parsed.tracking;
}
calculateAndShow();
renderMonthlyTable();
alert('כל הנתונים נטענו בהצלחה!');
} else {
alert('לא נמצאו נתונים שמורים.');
}
}
// PDF and CSV functions would need to be updated to optionally include the historical data.
// For brevity, their implementation remains focused on the forecast part.
// --- Initialization & Event Listeners ---
document.addEventListener('DOMContentLoaded', () => {
loadData(); // Try to load data first
if (Object.keys(inputs.initial_investment.value).length === 0) {
resetInputs(); // If no data loaded, reset to defaults
} else {
calculateAndShow();
renderMonthlyTable();
}
});
// Event delegation for the dynamic monthly tracking table
monthlyTrackingBody.addEventListener('input', (e) => {
if (e.target.tagName === 'INPUT') {
const index = e.target.closest('tr').dataset.index;
const field = e.target.dataset.field;
const value = field === 'month' ? e.target.value : parseFloat(e.target.value);
if (monthlyData[index]) {
monthlyData[index][field] = value;
// Re-render the single row to update profit without redrawing the whole table
const netProfit = (monthlyData[index].revenue || 0) - (monthlyData[index].variable_expenses || 0) - (monthlyData[index].fixed_expenses || 0);
const profitCell = e.target.closest('tr').querySelector('td:last-child');
profitCell.textContent = formatCurrency(netProfit);
profitCell.className = netProfit >= 0 ? 'positive' : 'negative';
updateHistoricalChart();
}
}
});
</script>
</body>
</html>
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