Financial Resilience Simulator: Measure Your Ability to Withstand Economic Shocks

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return

Projection conditionnelle, non prédictive · hypothèses saisies par l’utilisateur · rendement supposé constant, capitalisation annuelle, versements en fin de période · Eco3min — outil pédagogique, ni conseil ni recommandation.

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case ‘capacite-endettement’:
if ( $lang === ‘en’ ) {
return

Budget-structure observation, non-predictive · assumptions entered by the user · the HCSF 35% cap is a regulatory reference, not an approval threshold · Eco3min — educational tool, neither advice nor a recommendation.

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}
return

Observation de structure budgétaire, non prédictive · hypothèses saisies par l’utilisateur · le plafond HCSF 35 % est un repère réglementaire, pas un seuil d’octroi · Eco3min — outil pédagogique, ni conseil ni recommandation.

HTML;

case ‘resilience-financiere’:
if ( $lang === ‘en’ ) {
return

Budget-structure stress observation, non-predictive · assumptions entered by the user · the 3–6 month buffer is a commonly cited reference, not a norm · Eco3min — educational tool, neither advice nor a recommendation.

HTML;
}
return

Observation de structure budgétaire sous choc, non prédictive · hypothèses saisies par l’utilisateur · le matelas de 3–6 mois est une référence courante, pas une norme · Eco3min — outil pédagogique, ni conseil ni recommandation.

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default:
return ‘

‘;
}
}

/* =========================================================================
* 4. CSS
* ========================================================================= */
function eco3_simu_css() {
return =v) return steps[k]*mag; }
return 10*mag;
}

// —- i18n —-
var I18N = {
fr: {
loc:’fr-FR’, symAfter:true,
yr:function(n){ return n+’ an’+(n>1?’s’:”); },
leg:{nominal:’Nominal’, behav:’Après écart comportemental’, real:’Pouvoir d\u2019achat réel’, erode:’Érodé par l\u2019inflation’},
delta:function(p){ return ‘\u2212’+p+’ % vs nominal’; },
breakdown:function(o){
return ‘Total versé sur ‘+o.yrs+’ ans : ‘+o.versed+’‘
+’ · Intérêts générés (nominal) : ‘+o.interets+’‘
+’ · Pouvoir d\u2019achat érodé par l\u2019inflation : \u2212’+o.erode+’‘
+(o.dalbar?’ · Écart comportemental : \u2212’+o.behav+’‘:”);
},
cap:{
leg:{enc:’Crédits en cours’, neu:’Nouvelle mensualité’, rav:’Reste à vivre’},
marker:’Plafond HCSF 35 %’,
perso:function(v){ return v+’ /personne’; },
breakdown:function(o){
return ‘Revenus : ‘+o.revenus+’/mois · Mensualités totales : ‘+o.charges+’ (taux d\u2019endettement ‘+o.ratio+’ %) · Reste à vivre : ‘+o.reste+’/mois (‘+o.perso+’)’;
}
},
res:{
leg:{normal:’Normal’, shock:’Sous choc’, ref:’Repère 3–6 mois’},
month:function(n){ return n+’ mois’; },
infinite:’∞’,
runwayUnit:function(v){ return v+’ mois’; },
delta:function(s){ return ‘sous choc : ‘+s+’/mois’; },
breakdown:function(o){
return ‘Régime normal : solde ‘+o.solde+’/mois · Sous choc (revenus −’+o.cr+’ %, charges +’+o.cc+’ %) : ‘+o.soldechoc+’/mois‘+(o.rupture?(‘ · votre épargne (‘+o.ep+’) couvre ‘+o.runway+’‘):(‘ · aucune rupture sous ce choc’));
}
}
},
en: {
loc:’en-IE’, symAfter:false,
yr:function(n){ return n+’ yr’+(n>1?’s’:”); },
leg:{nominal:’Nominal’, behav:’After behavior gap’, real:’Real purchasing power’, erode:’Eroded by inflation’},
delta:function(p){ return ‘\u2212’+p+’% vs nominal’; },
breakdown:function(o){
return ‘Total contributed over ‘+o.yrs+’ yrs: ‘+o.versed+’‘
+’ · Interest generated (nominal): ‘+o.interets+’‘
+’ · Purchasing power eroded by inflation: \u2212’+o.erode+’‘
+(o.dalbar?’ · Behavior gap: \u2212’+o.behav+’‘:”);
},
cap:{
leg:{enc:’Existing loans’, neu:’New payment’, rav:’Remaining budget’},
marker:’HCSF cap 35%’,
perso:function(v){ return v+’ /person’; },
breakdown:function(o){
return ‘Income: ‘+o.revenus+’/mo · Total payments: ‘+o.charges+’ (debt-to-income ‘+o.ratio+’%) · Remaining budget: ‘+o.reste+’/mo (‘+o.perso+’)’;
}
},
res:{
leg:{normal:’Normal’, shock:’Under shock’, ref:’3–6-month reference’},
month:function(n){ return n+’ mo’; },
infinite:’∞’,
runwayUnit:function(v){ return v+’ months’; },
delta:function(s){ return ‘under shock: ‘+s+’/mo’; },
breakdown:function(o){
return ‘Normal regime: balance ‘+o.solde+’/mo · Under shock (income −’+o.cr+’%, costs +’+o.cc+’%): ‘+o.soldechoc+’/mo‘+(o.rupture?(‘ · your savings (‘+o.ep+’) cover ‘+o.runway+’‘):(‘ · no rupture under this shock’));
}
}
}
};

// ——– module : intérêts composés
function initInteretsComposes(root){
var lang = (root.getAttribute(‘data-lang’) === ‘en’) ? ‘en’ : ‘fr’;
var T = I18N[lang];
var EUR = new Intl.NumberFormat(T.loc,{style:’currency’,currency:’EUR’,maximumFractionDigits:0});
function fmt(v){ return EUR.format(Math.max(0, Math.round(v))); }
function shortEur(v){
v = Math.max(0, v);
if(lang === ‘en’){
if(v>=1e6) return ‘€’+(v/1e6).toFixed(v>=1e7?0:1)+’M’;
if(v>=1e3) return ‘€’+Math.round(v/1e3)+’k’;
return ‘€’+Math.round(v);
}
if(v>=1e6) return (v/1e6).toFixed(v>=1e7?0:1).replace(‘.’,’,’)+’ M€’;
if(v>=1e3) return Math.round(v/1e3)+’ k€’;
return Math.round(v)+’ €’;
}

var binds = {};
root.querySelectorAll(‘[data-bind]’).forEach(function(el){
var k = el.getAttribute(‘data-bind’); (binds[k] = binds[k] || []).push(el);
});
var outs = {};
root.querySelectorAll(‘[data-out]’).forEach(function(el){ outs[el.getAttribute(‘data-out’)] = el; });
var behavCard = root.querySelector(‘[data-card=”behavioral”]’);
var resultsBox = root.querySelector(‘[data-results]’);
var svg = root.querySelector(‘[data-chart]’);
var legend = root.querySelector(‘[data-legend]’);

function readVal(k, def){
var els = binds[k]; if(!els) return def;
var src = els.filter(function(e){return e.type===’number’;})[0] || els[0];
return num(src, def);
}
function syncFrom(el, k){
var els = binds[k]; if(!els) return;
var n = els.filter(function(e){return e.type===’number’;})[0];
var r = els.filter(function(e){return e.type===’range’;})[0];
if(!n || !r) return;
if(el.type === ‘range’){ n.value = r.value; }
else { r.value = Math.min(parseFloat(r.max), Math.max(parseFloat(r.min), num(n, parseFloat(r.value)))); }
}

function compute(){
var P = Math.max(0, readVal(‘capital’, 0));
var m = Math.max(0, readVal(‘mensuel’, 0));
var r = Math.max(0, readVal(‘taux’, 0));
var yrs = Math.max(1, Math.min(60, Math.round(readVal(‘duree’, 1))));
var infl = Math.max(0, readVal(‘inflation’, 0));
var dalbar = !!(binds.dalbar && binds.dalbar[0].checked);
var rEff = dalbar ? Math.max(0, r – 1.5) : r;

var nominal = fv(P, m, r, yrs);
var behavioral = fv(P, m, rEff, yrs);
var real = deflate(behavioral, infl, yrs);
var versed = P + m*Math.round(yrs*12);

outs.nominal.textContent = fmt(nominal);
if (outs.behavioral) outs.behavioral.textContent = fmt(behavioral);
outs.real.textContent = fmt(real);

var erodePct = nominal>0 ? Math.round((1 – real/nominal)*100) : 0;
if (outs.delta) outs.delta.textContent = erodePct>0 ? T.delta(erodePct) : ”;
if (behavCard) behavCard.hidden = !dalbar;
if (resultsBox) resultsBox.classList.toggle(‘is-three’, dalbar);

outs.breakdown.innerHTML = T.breakdown({
yrs: yrs,
versed: fmt(versed),
interets: fmt(nominal – versed),
erode: fmt(nominal – deflate(nominal, infl, yrs)),
behav: fmt(nominal – behavioral),
dalbar: dalbar
});

drawChart({P:P,m:m,r:r,rEff:rEff,yrs:yrs,infl:infl,dalbar:dalbar});
}

function drawChart(p){
var W=720,H=360, padL=62,padR=104,padT=20,padB=34;
var x0=padL, x1=W-padR, y0=H-padB, y1=padT;
var nom=[], rea=[], beh=[];
for(var y=0; ymaxV) maxV=d[1]; }); });
maxV = niceMax(maxV);

function X(yr){ return x0 + (yr/p.yrs)*(x1-x0); }
function Y(v){ return y0 – (v/maxV)*(y0-y1); }
function pts(a){ return a.map(function(d){ return X(d[0]).toFixed(1)+’ ‘+Y(d[1]).toFixed(1); }); }
function path(a){ return a.map(function(d,i){ return (i?’L’:’M’)+X(d[0]).toFixed(1)+’ ‘+Y(d[1]).toFixed(1); }).join(‘ ‘); }

var s=”, ticks=4;
for(var t=0;t‘;
s+=’‘+shortEur(val)+’‘;
}
[0, Math.round(p.yrs/2), p.yrs].forEach(function(yr){
s+=’‘+T.yr(yr)+’‘;
});

s+=’‘;
s+=’‘;
if(p.dalbar) s+=’‘;
s+=’‘;

var nv=nom[nom.length-1][1], rv=rea[rea.length-1][1], ex=X(p.yrs), ny=Y(nv), ry=Y(rv);
s+=’‘;
s+=’‘;
var lift = (Math.abs(ny-ry)‘+shortEur(nv)+’‘;
s+=’‘+shortEur(rv)+’‘;

svg.innerHTML=s;

var L=T.leg;
var leg=’‘+L.nominal+’‘;
if(p.dalbar) leg+=’‘+L.behav+’‘;
leg+=’‘+L.real+’‘;
leg+=’‘+L.erode+’‘;
legend.innerHTML=leg;
}

root.addEventListener(‘input’, function(e){
var el = e.target;
var b = el.getAttribute && el.getAttribute(‘data-bind’);
if(b && el.type !== ‘checkbox’) syncFrom(el, b);
compute();
});
root.addEventListener(‘change’, compute);
compute();
}

// ——– module : capacité d’endettement (multi-sorties, composition)
function initCapaciteEndettement(root){
var lang = (root.getAttribute(‘data-lang’) === ‘en’) ? ‘en’ : ‘fr’;
var T = I18N[lang].cap, loc = I18N[lang].loc;
var EUR = new Intl.NumberFormat(loc,{style:’currency’,currency:’EUR’,maximumFractionDigits:0});
function fmt(v){ return EUR.format(Math.round(v)); }
function pct(v){ return (Math.round(v*10)/10).toLocaleString(loc); }
function ratioStr(v){ return lang===’en’ ? pct(v)+’%’ : pct(v)+’ %’; }

var binds = {};
root.querySelectorAll(‘[data-bind]’).forEach(function(el){
var k = el.getAttribute(‘data-bind’); (binds[k] = binds[k] || []).push(el);
});
var outs = {};
root.querySelectorAll(‘[data-out]’).forEach(function(el){ outs[el.getAttribute(‘data-out’)] = el; });
var barWrap = root.querySelector(‘[data-bar]’);
var legend = root.querySelector(‘[data-legend]’);
var realCard = root.querySelector(‘.eco3-simu__stat–real’);

function readVal(k, def){
var els = binds[k]; if(!els) return def;
var src = els.filter(function(e){return e.type===’number’;})[0] || els[0];
var v = parseFloat(src.value); return isFinite(v) ? v : def;
}
function syncFrom(el, k){
var els = binds[k]; if(!els) return;
var n = els.filter(function(e){return e.type===’number’;})[0];
var r = els.filter(function(e){return e.type===’range’;})[0];
if(!n || !r) return;
if(el.type === ‘range’){ n.value = r.value; }
else { var v=parseFloat(n.value); v=isFinite(v)?v:parseFloat(r.value);
r.value = Math.min(parseFloat(r.max), Math.max(parseFloat(r.min), v)); }
}
function mensualite(montant, tauxAnnuel, annees){
var i = tauxAnnuel/100/12, n = Math.round(annees*12);
if(n0 ? charges/revenus*100 : 0;
var reste = revenus – charges;
var perso = reste/pers;

outs.ratio.textContent = ratioStr(ratio);
outs.reste.textContent = fmt(reste);
if(outs.resteperso) outs.resteperso.textContent = T.perso(fmt(perso));
if(realCard) realCard.classList.toggle(‘is-neg’, reste0 ? revenus : 1;
var wEnc = Math.max(0, encours)/base*100;
var wNew = Math.max(0, mNew)/base*100;
var wRav = Math.max(0, reste)/base*100;
var totalCredit = wEnc + wNew;
if(totalCredit > 100){ var sc=100/totalCredit; wEnc*=sc; wNew*=sc; wRav=0; }
var seg=”;
if(wEnc>0) seg+=’

‘;
if(wNew>0) seg+=’

‘;
if(wRav>0) seg+=’

‘;
barWrap.innerHTML =
‘

‘
+ ‘

‘
+ ‘

‘;

var L=T.leg;
legend.innerHTML =
‘‘+L.enc+’‘
+ ‘‘+L.neu+’‘
+ ‘‘+L.rav+’‘;
}

root.addEventListener(‘input’, function(e){
var el = e.target; var b = el.getAttribute && el.getAttribute(‘data-bind’);
if(b) syncFrom(el, b); compute();
});
compute();
}

// ——– module : résilience financière (trajectoire, normal vs choc)
function initResilienceFinanciere(root){
var lang = (root.getAttribute(‘data-lang’) === ‘en’) ? ‘en’ : ‘fr’;
var T = I18N[lang].res, loc = I18N[lang].loc;
var EUR = new Intl.NumberFormat(loc,{style:’currency’,currency:’EUR’,maximumFractionDigits:0});
function fmt(v){ return EUR.format(Math.round(Math.abs(v))); }
function sfmt(v){ return (v>=0?’+’:’\u2212′)+fmt(v); }
function shortEur(v){ v=Math.max(0,v); if(v>=1e6) return (lang===’en’?’\u20ac’:”)+(v/1e6).toFixed(1)+(lang===’en’?’M’:’ M\u20ac’); if(v>=1e3) return (lang===’en’?’\u20ac’:”)+Math.round(v/1e3)+(lang===’en’?’k’:’ k\u20ac’); return (lang===’en’?’\u20ac’:”)+Math.round(v)+(lang===’en’?”:’ \u20ac’); }

var binds={}; root.querySelectorAll(‘[data-bind]’).forEach(function(el){var k=el.getAttribute(‘data-bind’);(binds[k]=binds[k]||[]).push(el);});
var outs={}; root.querySelectorAll(‘[data-out]’).forEach(function(el){outs[el.getAttribute(‘data-out’)]=el;});
var svg=root.querySelector(‘[data-chart]’), legend=root.querySelector(‘[data-legend]’);
var realCard=root.querySelector(‘.eco3-simu__stat–real’);

function readVal(k,def){ var els=binds[k]; if(!els) return def; var s=els.filter(function(e){return e.type===’number’;})[0]||els[0]; var v=parseFloat(s.value); return isFinite(v)?v:def; }
function syncFrom(el,k){ var els=binds[k]; if(!els) return; var n=els.filter(function(e){return e.type===’number’;})[0],r=els.filter(function(e){return e.type===’range’;})[0]; if(!n||!r) return; if(el.type===’range’){n.value=r.value;} else {var v=parseFloat(n.value); v=isFinite(v)?v:parseFloat(r.value); r.value=Math.min(parseFloat(r.max),Math.max(parseFloat(r.min),v));} }
function niceMax(v){ if(v=v) return st[k]*mag; } return 10*mag; }

function compute(){
var revenus=Math.max(0,readVal(‘revenus’,0)), charges=Math.max(0,readVal(‘charges’,0)), dettes=Math.max(0,readVal(‘dettes’,0)), epargne=Math.max(0,readVal(‘epargne’,0));
var cr=Math.max(0,readVal(‘chocrev’,0)), cc=Math.max(0,readVal(‘choccharges’,0));
var soldeNormal = revenus – charges – dettes;
var revChoc = revenus*(1-cr/100), chChoc = charges*(1+cc/100);
var soldeChoc = revChoc – chChoc – dettes;
var deficit = -soldeChoc;
var rupture = deficit > 0;
var runway = rupture ? epargne/deficit : Infinity;

outs.solde.textContent = sfmt(soldeNormal);
outs.runway.textContent = rupture ? T.runwayUnit(Math.round(runway*10)/10) : T.infinite;
if(outs.soldechoc) outs.soldechoc.textContent = T.delta(sfmt(soldeChoc));
if(realCard) realCard.classList.toggle(‘is-neg’, rupture && runway maxV)maxV=d[1];});}); maxV=niceMax(maxV||1000);
function X(m){ return x0+(m/horizon)*(x1-x0); }
function Y(v){ return y0-(v/maxV)*(y0-y1); }
function path(a){ return a.map(function(d,i){return (i?’L’:’M’)+X(d[0]).toFixed(1)+’ ‘+Y(d[1]).toFixed(1);}).join(‘ ‘); }
var s=”, ticks=4;
for(var t=0;t‘+shortEur(val)+’‘; }
[0, Math.round(horizon/2), horizon].forEach(function(m){ s+=’‘+T.month(m)+’‘; });
if(6‘; s+=’‘+T.leg.ref+’‘; }
s+=’‘;
s+=’‘;
if(p.rupture && p.runway‘; s+=’‘+T.runwayUnit(Math.round(p.runway*10)/10)+’‘; }
svg.innerHTML=s;
legend.innerHTML=’‘+T.leg.normal+’‘
+’‘+T.leg.shock+’‘
+’‘+T.leg.ref+’‘;
}

root.addEventListener(‘input’, function(e){ var el=e.target; var b=el.getAttribute&&el.getAttribute(‘data-bind’); if(b) syncFrom(el,b); compute(); });
compute();
}

function boot(){
document.querySelectorAll(‘.eco3-simu[data-eco3-simu]’).forEach(function(root){
if(root.dataset.e3sInit) return; root.dataset.e3sInit=’1′;
switch(root.getAttribute(‘data-eco3-simu’)){
case ‘interets-composes’: initInteretsComposes(root); break;
case ‘capacite-endettement’: initCapaciteEndettement(root); break;
case ‘resilience-financiere’: initResilienceFinanciere(root); break;
// futurs types : ajouter un case + un init dédié
}
});
}
if(document.readyState===’loading’) document.addEventListener(‘DOMContentLoaded’, boot);
else boot();
})();
ECO3JS;
}

endif;

Last updated — 28 May 2026