:root { /* Brand */ --navy: #0f172a; --dark-blue: #1e293b; --mid-blue: #334155; --accent-green: #10b981; --accent-green-dim: #059669; --light-green: #d1fae5; --teal: #14b8a6; --brand-accent: #6366f1; /* Grays */ --gray-50: #f8fafc; --gray-100: #f1f5f9; --gray-200: #e2e8f0; --gray-300: #cbd5e1; --gray-400: #94a3b8; --gray-500: #64748b; --gray-600: #475569; --gray-700: #334155; --gray-800: #1e293b; --gray-900: #0f172a; --white: #ffffff; /* Semantic */ --red: #ef4444; --red-light: #fee2e2; --green-light: #d1fae5; --amber: #f59e0b; --amber-light: #fef3c7; --blue: #3b82f6; --blue-light: #dbeafe; /* Shadows */ --shadow-xs: 0 1px 3px rgba(15,23,42,0.04); --shadow-sm: 0 2px 8px rgba(15,23,42,0.06); --shadow-md: 0 4px 20px rgba(15,23,42,0.08); --shadow-lg: 0 8px 32px rgba(15,23,42,0.10); /* Radius */ --radius-sm: 6px; --radius-md: 10px; --radius-lg: 14px; --radius-xl: 20px; /* Glass */ --glass-bg: rgba(255,255,255,0.7); --glass-border: rgba(255,255,255,0.5); } * { margin: 0; padding: 0; box-sizing: border-box; } body { font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif; color: var(--gray-800); background: var(--white); -webkit-font-smoothing: antialiased; line-height: 1.6; } /* ── NAV ── */ nav { position: fixed; top: 0; left: 0; right: 0; z-index: 1000; background: rgba(255,255,255,0.92); backdrop-filter: blur(20px); -webkit-backdrop-filter: blur(20px); border-bottom: 1px solid rgba(226,232,240,0.7); padding: 0 2rem; height: 64px; display: flex; align-items: center; justify-content: space-between; gap: 1rem; transition: background 0.3s, box-shadow 0.3s; } .nav-scrolled { background: rgba(255,255,255,0.97) !important; box-shadow: 0 1px 10px rgba(15,23,42,0.07); } .nav-logo { font-family: 'Space Grotesk', sans-serif; font-weight: 700; font-size: 1.2rem; color: var(--navy); text-decoration: none; display: flex; align-items: center; gap: 0.5rem; flex-shrink: 0; } .nav-logo-icon { width: 32px; height: 32px; flex-shrink: 0; display: flex; align-items: center; justify-content: center; } .nav-logo-icon svg { width: 32px; height: 32px; display: block; } /* ── MEGA-MENU TOP-LEVEL LIST ── */ .nav-mega-links { display: flex; gap: 0.125rem; list-style: none; align-items: center; } .nav-mega-item { position: relative; } /* ── MEGA TRIGGER BUTTON ── */ .nav-mega-trigger { display: flex; align-items: center; gap: 0.3rem; font-size: 0.8375rem; font-weight: 500; color: var(--gray-600); background: none; border: none; padding: 0.375rem 0.7rem; border-radius: 7px; cursor: pointer; font-family: inherit; white-space: nowrap; transition: color 0.15s, background 0.15s; line-height: 1; } .nav-mega-trigger:hover { color: var(--navy); background: var(--gray-50); } .nav-mega-trigger.panel-open { color: var(--navy); background: var(--gray-100); } .nav-mega-chevron { width: 11px; height: 11px; transition: transform 0.2s; color: var(--gray-400); flex-shrink: 0; } .nav-mega-trigger.panel-open .nav-mega-chevron { transform: rotate(180deg); } /* ── MEGA PANEL DROPDOWN ── */ .nav-mega-panel { display: none; position: absolute; top: calc(100% + 8px); left: 50%; transform: translateX(-50%); background: #fff; border: 1px solid var(--gray-200); border-radius: 14px; box-shadow: 0 8px 40px rgba(15,23,42,0.10), 0 2px 8px rgba(15,23,42,0.05); padding: 1.25rem; min-width: 580px; z-index: 999; animation: megaFadeIn 0.14s ease; } .nav-mega-panel.open { display: block; } .nav-mega-panel.wide { min-width: 740px; } @keyframes megaFadeIn { from { opacity: 0; transform: translateX(-50%) translateY(-8px); } to { opacity: 1; transform: translateX(-50%) translateY(0); } } /* First item panel — anchor left not center */ .nav-mega-item:first-child .nav-mega-panel { left: 0; transform: none; } @keyframes megaFadeInLeft { from { opacity: 0; transform: translateY(-8px); } to { opacity: 1; transform: translateY(0); } } .nav-mega-item:first-child .nav-mega-panel.open { animation: megaFadeInLeft 0.14s ease; } /* ── PANEL INNER GRID ── */ .mega-cols { display: grid; gap: 1.25rem; } .mega-cols-2 { grid-template-columns: 1fr 1fr; } .mega-cols-3 { grid-template-columns: 1fr 1fr 1fr; } .mega-cols-4 { grid-template-columns: 1fr 1fr 1fr 1fr; } .mega-col-hd { font-size: 0.67rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.09em; color: var(--gray-400); margin-bottom: 0.5rem; padding-bottom: 0.4rem; border-bottom: 1px solid var(--gray-100); } .mega-links { list-style: none; display: flex; flex-direction: column; gap: 0.1rem; } .mega-links a { display: block; font-size: 0.8125rem; font-weight: 500; color: var(--gray-600); text-decoration: none; padding: 0.26rem 0.5rem; border-radius: 5px; transition: color 0.12s, background 0.12s; white-space: nowrap; } .mega-links a:hover { color: var(--navy); background: var(--gray-50); } .mega-links a.mega-see-all { color: var(--accent-green); font-weight: 600; margin-top: 0.2rem; font-size: 0.775rem; } .mega-links a.mega-see-all:hover { background: rgba(16,185,129,0.06); } /* ── AI TRACKER INPUT (Track the Market panel) ── */ .mega-ai-row { grid-column: 1 / -1; background: linear-gradient(135deg, rgba(16,185,129,0.05) 0%, rgba(99,102,241,0.04) 100%); border: 1px solid rgba(16,185,129,0.16); border-radius: 10px; padding: 0.875rem 1rem; margin-bottom: 0.125rem; } .mega-ai-label { font-size: 0.68rem; font-weight: 700; color: var(--accent-green); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 0.5rem; display: flex; align-items: center; gap: 0.35rem; } .mega-ai-form { display: flex; gap: 0.5rem; } .mega-ai-input { flex: 1; padding: 0.575rem 0.875rem; border: 1px solid var(--gray-200); border-radius: 8px; font-size: 0.8375rem; font-family: inherit; color: var(--navy); background: #fff; outline: none; min-width: 0; transition: border 0.15s, box-shadow 0.15s; } .mega-ai-input:focus { border-color: var(--accent-green); box-shadow: 0 0 0 3px rgba(16,185,129,0.08); } .mega-ai-input::placeholder { color: var(--gray-400); } .mega-ai-btn { padding: 0.575rem 1rem; background: linear-gradient(135deg, var(--accent-green), var(--teal)); color: #fff; border: none; border-radius: 8px; font-size: 0.8rem; font-weight: 700; cursor: pointer; font-family: inherit; white-space: nowrap; transition: box-shadow 0.15s; box-shadow: 0 2px 8px rgba(16,185,129,0.25); } .mega-ai-btn:hover { box-shadow: 0 4px 14px rgba(16,185,129,0.35); } /* ── MY STACK EDGE CTA BUTTON ── */ .nav-edge-cta { display: inline-flex; align-items: center; gap: 0.35rem; background: linear-gradient(135deg, #10b981, #059669); color: #fff !important; font-size: 0.8125rem; font-weight: 700; padding: 0.44rem 1.05rem; border-radius: 8px; text-decoration: none; white-space: nowrap; transition: all 0.15s; box-shadow: 0 2px 10px rgba(16,185,129,0.30); border: 1px solid rgba(5,150,105,0.3); } .nav-edge-cta:hover { box-shadow: 0 4px 16px rgba(16,185,129,0.40); transform: translateY(-1px); } .nav-premium-btn { display: inline-flex; align-items: center; gap: 0.3rem; background: linear-gradient(135deg, #6366f1, #4f46e5); color: #fff !important; font-size: 0.8rem; font-weight: 700; padding: 0.4rem 0.9rem; border-radius: 8px; text-decoration: none; white-space: nowrap; transition: all 0.15s; box-shadow: 0 2px 10px rgba(99,102,241,0.35); border: 1px solid rgba(99,102,241,0.4); letter-spacing: 0.02em; } .nav-premium-btn:hover { box-shadow: 0 4px 16px rgba(99,102,241,0.50); transform: translateY(-1px); } /* ── MOBILE HAMBURGER ── */ .nav-mobile-btn { display: none; background: none; border: 1.5px solid var(--gray-200); border-radius: 7px; width: 36px; height: 36px; cursor: pointer; align-items: center; justify-content: center; flex-shrink: 0; color: var(--navy); } .nav-mobile-btn svg { display: block; } /* ── LEGACY COMPAT ── */ .nav-cta { background: linear-gradient(135deg, var(--accent-green), var(--teal)) !important; color: #fff !important; padding: 0.375rem 0.875rem; border-radius: 7px; font-weight: 600 !important; font-size: 0.8125rem !important; transition: all 0.15s !important; white-space: nowrap; box-shadow: 0 2px 8px rgba(16,185,129,0.25); } .nav-cta:hover { box-shadow: 0 4px 14px rgba(16,185,129,0.3) !important; transform: translateY(-1px); } .nav-advisors-link { background: linear-gradient(135deg, var(--accent-green), var(--teal)) !important; color: #fff !important; padding: 0.375rem 0.875rem; border-radius: 7px; font-weight: 600 !important; font-size: 0.8125rem !important; transition: all 0.15s !important; box-shadow: 0 2px 8px rgba(16,185,129,0.25); } .nav-advisors-link:hover { box-shadow: 0 4px 14px rgba(16,185,129,0.3) !important; } .nav-links { display: flex; gap: 1.5rem; list-style: none; align-items: center; flex-wrap: nowrap; } .nav-links a { font-size: 0.8375rem; font-weight: 500; color: var(--gray-600); text-decoration: none; transition: color 0.15s; white-space: nowrap; } .nav-links a:hover { color: var(--navy); } .nav-links a.active { color: var(--navy); font-weight: 600; } .nav-new-badge { display: inline-block; font-size: 0.55rem; font-weight: 800; padding: 0.1rem 0.35rem; border-radius: 3px; background: linear-gradient(135deg, var(--accent-green), var(--teal)); color: #fff; vertical-align: middle; margin-left: 0.2rem; letter-spacing: 0.04em; } /* ── LAYOUT ── */ .container { max-width: 1200px; margin: 0 auto; padding: 0 2rem; } .page-header { padding: 7rem 0 3rem; } .page-wrap { max-width: 1200px; margin: 0 auto; padding: 7rem 2rem 4rem; } /* ── BREADCRUMB ── */ .breadcrumb { display: flex; align-items: center; gap: 0.4rem; font-size: 0.78rem; color: var(--gray-500); margin-bottom: 1.25rem; } .breadcrumb a { color: var(--gray-500); text-decoration: none; } .breadcrumb a:hover { color: var(--accent-green); } .breadcrumb span { color: var(--gray-400); } /* ── PAGE TYPOGRAPHY ── */ .page-label { font-size: 0.72rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--accent-green); margin-bottom: 0.6rem; } .page-title { font-family: 'Space Grotesk', sans-serif; font-size: 2.75rem; font-weight: 700; color: var(--navy); line-height: 1.12; letter-spacing: -0.025em; margin-bottom: 1rem; } .page-subtitle { font-size: 1.05rem; color: var(--gray-500); line-height: 1.75; max-width: 620px; } /* ── SECTION ── */ .section { padding: 3rem 0; border-top: 1px solid var(--gray-100); } .section-label { font-size: 0.72rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--accent-green); margin-bottom: 0.5rem; } .section-title { font-family: 'Space Grotesk', sans-serif; font-size: 1.35rem; font-weight: 700; color: var(--navy); margin-bottom: 1.5rem; letter-spacing: -0.01em; } .section-subtitle { font-size: 0.95rem; color: var(--gray-500); margin-bottom: 2rem; line-height: 1.7; max-width: 560px; } /* ── CARDS ── */ .card { background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius-lg); overflow: hidden; } .card-hover { transition: border-color 0.2s, box-shadow 0.2s, transform 0.2s; } .card-hover:hover { border-color: var(--accent-green); box-shadow: var(--shadow-md); transform: translateY(-2px); } .card-body { padding: 1.5rem; } /* ── BUTTONS ── */ .btn { display: inline-flex; align-items: center; gap: 0.4rem; padding: 0.625rem 1.25rem; border-radius: 8px; font-size: 0.875rem; font-weight: 600; font-family: inherit; cursor: pointer; border: none; transition: all 0.15s; text-decoration: none; white-space: nowrap; line-height: 1; } .btn-primary { background: linear-gradient(135deg, var(--accent-green), var(--teal)); color: #fff; box-shadow: 0 2px 8px rgba(16,185,129,0.25); } .btn-primary:hover { box-shadow: 0 4px 14px rgba(16,185,129,0.3); transform: translateY(-1px); } .btn-green { background: var(--accent-green); color: var(--white); } .btn-green:hover { background: var(--accent-green-dim); } .btn-outline { background: var(--white); color: var(--navy); border: 1.5px solid var(--gray-200); } .btn-outline:hover { border-color: var(--navy); background: var(--gray-50); } .btn-ghost { background: var(--gray-100); color: var(--gray-700); } .btn-ghost:hover { background: var(--gray-200); } .btn-danger { background: var(--red-light); color: var(--red); } .btn-danger:hover { background: #fecaca; } .btn-sm { padding: 0.375rem 0.75rem; font-size: 0.8rem; border-radius: 6px; } .btn-lg { padding: 0.8rem 1.75rem; font-size: 1rem; border-radius: 10px; } /* ── BADGES ── */ .badge { display: inline-block; padding: 0.2rem 0.625rem; border-radius: 100px; font-size: 0.72rem; font-weight: 600; line-height: 1.4; } .badge-green { background: var(--green-light); color: #065f46; } .badge-red { background: var(--red-light); color: #991b1b; } .badge-blue { background: var(--blue-light); color: #1d4ed8; } .badge-amber { background: var(--amber-light); color: #92400e; } .badge-gray { background: var(--gray-100); color: var(--gray-600); } .badge-navy { background: linear-gradient(135deg, var(--accent-green), var(--teal)); color: #fff; } /* ── STAT CARDS ── */ .stat-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; margin-bottom: 2rem; } .stat-card { background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius-lg); padding: 1.25rem 1.5rem; } .stat-label { font-size: 0.68rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--gray-400); margin-bottom: 0.5rem; } .stat-value { font-family: 'Space Grotesk', sans-serif; font-size: 1.75rem; font-weight: 700; color: var(--navy); line-height: 1; } .stat-value.green { color: var(--accent-green); } .stat-value.red { color: var(--red); } .stat-sub { font-size: 0.75rem; color: var(--gray-400); margin-top: 0.35rem; } /* ── DATA TABLE ── */ .data-table { width: 100%; border-collapse: collapse; font-size: 0.875rem; } .data-table th { text-align: left; padding: 0.75rem 1rem; font-size: 0.68rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--gray-400); border-bottom: 2px solid var(--gray-200); background: var(--gray-50); } .data-table td { padding: 0.9rem 1rem; border-bottom: 1px solid var(--gray-100); color: var(--gray-700); vertical-align: middle; } .data-table tr:last-child td { border-bottom: none; } .data-table tr:hover td { background: var(--gray-50); } .data-table .ticker-col { font-family: 'Space Grotesk', sans-serif; font-weight: 700; color: var(--navy); font-size: 0.9rem; } .risks-table { width: 100%; border-collapse: collapse; font-size: 0.9rem; } .risks-table th { text-align: left; padding: 0.75rem 1rem; font-size: 0.68rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--gray-400); border-bottom: 2px solid var(--gray-200); background: var(--gray-50); } .risks-table td { padding: 0.9rem 1rem; border-bottom: 1px solid var(--gray-100); vertical-align: top; color: var(--gray-700); line-height: 1.6; } .risks-table td:first-child { font-weight: 600; color: var(--navy); white-space: nowrap; } .risks-table tr:last-child td { border-bottom: none; } .risks-table tr:hover td { background: var(--gray-50); } /* ── FORMS ── */ .form-group { margin-bottom: 1.1rem; } .form-label { display: block; font-size: 0.8rem; font-weight: 600; color: var(--gray-600); margin-bottom: 0.4rem; } .form-input, .form-select, .form-textarea { width: 100%; padding: 0.65rem 0.9rem; border: 1.5px solid var(--gray-200); border-radius: 8px; font-size: 0.875rem; font-family: inherit; color: var(--gray-800); background: var(--white); transition: border-color 0.15s, box-shadow 0.15s; -webkit-appearance: none; } .form-input:focus, .form-select:focus, .form-textarea:focus { outline: none; border-color: var(--accent-green); box-shadow: 0 0 0 3px rgba(16,185,129,0.1); } .form-textarea { resize: vertical; min-height: 80px; } .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; } .form-actions { display: flex; gap: 0.75rem; justify-content: flex-end; margin-top: 1.5rem; } /* ── EMPTY STATE ── */ .empty-state { text-align: center; padding: 4rem 2rem; } .empty-icon { font-size: 2.5rem; margin-bottom: 1rem; opacity: 0.5; } .empty-title { font-family: 'Space Grotesk', sans-serif; font-size: 1.2rem; font-weight: 700; color: var(--navy); margin-bottom: 0.5rem; } .empty-text { font-size: 0.9rem; color: var(--gray-400); margin-bottom: 1.5rem; line-height: 1.6; } /* ── SUB NAV ── */ .sub-nav { display: flex; gap: 0.25rem; margin-bottom: 2rem; border-bottom: 1px solid var(--gray-200); } .sub-nav a { padding: 0.65rem 1.25rem; font-size: 0.875rem; font-weight: 500; color: var(--gray-500); text-decoration: none; border-bottom: 2px solid transparent; margin-bottom: -1px; transition: all 0.15s; } .sub-nav a:hover { color: var(--navy); } .sub-nav a.active { color: var(--navy); font-weight: 600; border-bottom-color: var(--accent-green); } /* ── MODAL ── */ .modal-overlay { display: none; position: fixed; inset: 0; background: rgba(0,0,0,0.4); z-index: 200; align-items: center; justify-content: center; backdrop-filter: blur(4px); } .modal-overlay.open { display: flex; } .modal { background: var(--white); border-radius: var(--radius-xl); padding: 2rem; width: 100%; max-width: 520px; max-height: 90vh; overflow-y: auto; box-shadow: var(--shadow-lg); } .modal-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 1.5rem; } .modal-title { font-family: 'Space Grotesk', sans-serif; font-size: 1.25rem; font-weight: 700; color: var(--navy); } .modal-close { background: none; border: none; font-size: 1.5rem; cursor: pointer; color: var(--gray-400); line-height: 1; padding: 0; } .modal-close:hover { color: var(--gray-700); } /* ── FOOTER ── */ footer { background: var(--gray-50); color: var(--gray-500); padding: 3.5rem 2rem 2rem; margin-top: 5rem; border-top: 1px solid var(--gray-100); } .footer-inner { max-width: 1200px; margin: 0 auto; } .footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 3rem; padding-bottom: 2.5rem; border-bottom: 1px solid var(--gray-200); margin-bottom: 2rem; } .footer-brand .footer-logo { font-family: 'Space Grotesk', sans-serif; font-weight: 700; font-size: 1.1rem; color: var(--navy); text-decoration: none; display: flex; align-items: center; gap: 0.5rem; margin-bottom: 0.875rem; } .footer-brand .footer-logo-icon { width: 28px; height: 28px; flex-shrink: 0; display: flex; align-items: center; justify-content: center; } .footer-brand .footer-logo-icon svg { width: 28px; height: 28px; display: block; } .footer-brand p { font-size: 0.82rem; color: var(--gray-500); line-height: 1.7; max-width: 240px; } .footer-col-title { font-size: 0.72rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--gray-400); margin-bottom: 1rem; } .footer-links { list-style: none; display: flex; flex-direction: column; gap: 0.5rem; } .footer-links a { font-size: 0.82rem; color: var(--gray-500); text-decoration: none; transition: color 0.15s; } .footer-links a:hover { color: var(--accent-green); } .footer-bottom { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 0.75rem; } .footer-bottom p { font-size: 0.78rem; color: var(--gray-500); } .footer-legal { display: flex; gap: 1.25rem; } .footer-legal a { font-size: 0.78rem; color: var(--gray-500); text-decoration: none; transition: color 0.15s; } .footer-legal a:hover { color: var(--navy); } /* ── RESPONSIVE ── */ @media (max-width: 1100px) { .nav-mega-links { gap: 0.05rem; } .nav-mega-trigger { padding: 0.375rem 0.5rem; font-size: 0.8rem; } .footer-grid { grid-template-columns: 1fr 1fr 1fr; } .footer-brand { grid-column: 1 / -1; } .stat-grid { grid-template-columns: repeat(2, 1fr); } } @media (max-width: 900px) { .nav-mega-links { display: none; } .nav-mega-links.open { display: flex; flex-direction: column; position: absolute; top: 64px; left: 0; right: 0; background: #fff; border-bottom: 1px solid var(--gray-200); padding: 0.5rem 0; box-shadow: 0 8px 24px rgba(15,23,42,0.08); z-index: 999; max-height: 80vh; overflow-y: auto; } .nav-mega-item { width: 100%; border-bottom: 1px solid var(--gray-100); } .nav-mega-item:last-child { border-bottom: none; } .nav-mega-trigger { width: 100%; justify-content: space-between; padding: 0.75rem 1.25rem; font-size: 0.9rem; font-weight: 600; border-radius: 0; } .nav-mega-panel { display: none; position: static; transform: none; box-shadow: none; border: none; border-radius: 0; border-top: 1px solid var(--gray-100); padding: 0.75rem 1.25rem 1rem; min-width: 0; animation: none; background: var(--gray-50); } .nav-mega-panel.open { display: block; } .nav-mega-panel.wide { min-width: 0; } .mega-cols { grid-template-columns: 1fr; gap: 0.875rem; } .mega-cols-2, .mega-cols-3, .mega-cols-4 { grid-template-columns: 1fr; } .mega-ai-row { grid-column: 1; } .mega-ai-form { flex-direction: column; } .mega-ai-input { width: 100%; } .mega-ai-btn { width: 100%; justify-content: center; } .nav-edge-cta { display: flex; justify-content: center; margin: 0.625rem 1.25rem; } .nav-mobile-btn { display: flex; } /* Legacy mobile compat */ .nav-links { display: none; } .nav-links.open { display: flex; flex-direction: column; position: absolute; top: 64px; left: 0; right: 0; background: var(--white); border-bottom: 1px solid var(--gray-200); padding: 1rem 2rem; gap: 0.25rem; box-shadow: var(--shadow-md); z-index: 99; } .nav-links.open li { width: 100%; } .nav-links.open a { display: block; padding: 0.5rem 0; font-size: 0.9rem; } .page-title { font-size: 2.1rem; } .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; } } @media (max-width: 600px) { .page-title { font-size: 1.75rem; } .stat-grid { grid-template-columns: 1fr 1fr; } .footer-grid { grid-template-columns: 1fr; gap: 1.5rem; } .footer-bottom { flex-direction: column; align-items: flex-start; gap: 0.5rem; } .form-row { grid-template-columns: 1fr; } } /* ── Data Freshness Badge ─────────────────────────────────────────── */ .dfb-badge { display: inline-flex; align-items: center; gap: 0.35rem; padding: 0.22rem 0.7rem; border-radius: 100px; font-size: 0.72rem; font-weight: 600; cursor: pointer; user-select: none; transition: opacity 0.15s; border: 1px solid; position: relative; text-decoration: none; } .dfb-loading { background:rgba(100,116,139,0.1); border-color:rgba(100,116,139,0.2); color:#64748b; } .dfb-green { background:rgba(16,185,129,0.12); border-color:rgba(16,185,129,0.3); color:#10b981; } .dfb-yellow { background:rgba(245,158,11,0.1); border-color:rgba(245,158,11,0.3); color:#f59e0b; } .dfb-red { background:rgba(239,68,68,0.1); border-color:rgba(239,68,68,0.3); color:#ef4444; } .dfb-dot { width:7px; height:7px; border-radius:50%; background:currentColor; flex-shrink:0; } .dfb-loading .dfb-dot { animation: dfb-pulse 1.5s ease-in-out infinite; } @keyframes dfb-pulse { 0%,100%{opacity:0.3} 50%{opacity:1} } .dfb-tooltip { position:absolute; top:calc(100% + 8px); left:50%; transform:translateX(-50%); background:var(--white); border:1px solid var(--gray-200); border-radius:10px; padding:0.75rem 0.875rem; min-width:270px; max-width:340px; z-index:9999; box-shadow:0 8px 32px rgba(15,23,42,0.12); text-align:left; white-space:normal; pointer-events:none; } .dfb-tooltip.dfb-tip-open { pointer-events:auto; } .dfb-tooltip.dfb-hidden { display:none; } .dfb-tip-head { font-size:0.7rem; font-weight:700; color:var(--gray-400); text-transform:uppercase; letter-spacing:0.07em; margin-bottom:0.5rem; } .dfb-tip-row { display:flex; justify-content:space-between; align-items:center; padding:0.2rem 0; font-size:0.75rem; color:var(--gray-700); gap:0.5rem; border-bottom:1px solid var(--gray-100); } .dfb-tip-row:last-of-type { border-bottom:none; } .dfb-tip-meta { color:var(--gray-400); font-size:0.69rem; white-space:nowrap; } .dfb-tip-footer { margin-top:0.6rem; padding-top:0.5rem; border-top:1px solid var(--gray-100); } .dfb-tip-footer a { color:#10b981; font-size:0.75rem; text-decoration:none; font-weight:600; } .dfb-stale-notice { display:none; margin-top:0.75rem; padding:0.6rem 0.875rem; background:rgba(239,68,68,0.06); border:1px solid rgba(239,68,68,0.2); border-radius:8px; font-size:0.8rem; color:#ef4444; line-height:1.5; } .dfb-stale-notice a { color:#ef4444; font-weight:600; }
AI-Powered Tool

AI Budget Plan Generator

Enter your income and expenses. Get a personalized monthly budget plan, 50/30/20 analysis, and actionable recommendations — free.

No login required
Results in ~15 seconds
Download PDF or Word
1
Income
2
Expenses
3
Goals
4
Generate

Monthly Take-Home Income

Enter your total monthly income after taxes from all sources.

$
After-tax monthly take-home
$
Side jobs, freelance, rental, etc.
$
Benefits, alimony, investments

Analyzing Your Budget…

Our AI is building your personalized plan

  • 📊 Calculating income allocation…
  • 🏷️ Analyzing expense categories…
  • 💡 Generating recommendations…
  • 📄 Formatting your budget plan…
—

Monthly Income
Total Expenses
Surplus / Deficit
Savings Rate
Needs %
Wants %
Budget Assessment

50/30/20 Rule Analysis
Top 3 Recommendations
Emergency Fund Status

Frequently Asked Questions

What is the 50/30/20 budgeting rule? ▼
The 50/30/20 rule allocates 50% of after-tax income to needs (housing, utilities, groceries), 30% to wants (dining, entertainment, hobbies), and 20% to savings and debt repayment. It's a simple framework that works for most income levels. According to the Consumer Expenditure Survey, the average American household spends about 33% on housing alone, leaving less room for savings.
How much of my income should go to housing? ▼
Financial planners recommend keeping housing costs (rent or mortgage, including taxes and insurance) below 28-30% of gross income. When total debt payments (including housing) exceed 43% of gross income, it becomes difficult to qualify for mortgages and maintain financial stability.
What is a good savings rate? ▼
Financial experts recommend saving at least 10-20% of gross income. A 15% savings rate (including employer 401k match) is the minimum recommended for retirement. The Federal Reserve's 2023 Survey of Consumer Finances found the median household savings rate was around 5-6%, well below the recommended 20%.
How do I calculate my monthly budget surplus or deficit? ▼
Monthly budget surplus or deficit = Monthly take-home income − Total monthly expenses (fixed + variable + savings + debt payments). A surplus means you have money left over. A deficit means you're spending more than you earn and need to increase income or reduce expenses.
How large should my emergency fund be? ▼
Most financial planners recommend 3-6 months of essential living expenses in a high-yield savings account. If you have variable income or dependents, aim for 6-9 months. The 2023 Federal Reserve Report on Economic Well-Being found 37% of Americans couldn't cover a $400 emergency without borrowing.
📈 THE FINANCE STACK

Get your weekly market edge. Free.

Market pulse, stock spotlights, and actionable frameworks — delivered every week.

No spam · Unsubscribe anytime · View all issues →

`; } function resetTool() { document.getElementById('results-section').style.display = 'none'; document.getElementById('form-card').style.display = 'block'; document.getElementById('step-progress').style.display = 'flex'; document.getElementById('step-4').style.display = 'none'; document.getElementById('step-1').style.display = 'block'; currentStep = 1; sessionToken = null; metricsData = null; planData = null; fullPlan = null; for (let i = 1; i <= totalSteps; i++) { const tab = document.getElementById('step-' + i + '-tab'); tab.classList.remove('active','done'); if (i === 1) tab.classList.add('active'); } window.scrollTo({ top: 0, behavior: 'smooth' }); } function toggleFaq(el) { const answer = el.nextElementSibling; answer.classList.toggle('open'); el.querySelector('span').textContent = answer.classList.contains('open') ? '▲' : '▼'; }