import React, { useMemo, useState } from "react"; import { Card, CardContent } from "@/components/ui/card"; import { Button } from "@/components/ui/button"; import { Input } from "@/components/ui/input"; import { Label } from "@/components/ui/label"; import { Select, SelectContent, SelectItem, SelectTrigger, SelectValue } from "@/components/ui/select"; import { Slider } from "@/components/ui/slider"; import { Badge } from "@/components/ui/badge"; import { Calculator, ShieldCheck, DollarSign, Users, Car, CreditCard, Home, AlertCircle } from "lucide-react"; const currency = new Intl.NumberFormat("en-AU", { style: "currency", currency: "AUD", maximumFractionDigits: 0, }); const number = new Intl.NumberFormat("en-AU", { maximumFractionDigits: 0, }); function toNumber(value) { const parsed = Number(String(value || "").replace(/[^0-9.-]/g, "")); return Number.isFinite(parsed) ? parsed : 0; } function annualise(amount, frequency) { const value = toNumber(amount); if (frequency === "weekly") return value * 52; if (frequency === "fortnightly") return value * 26; if (frequency === "monthly") return value * 12; return value; } function monthlyise(amount, frequency) { const value = toNumber(amount); if (frequency === "weekly") return (value * 52) / 12; if (frequency === "fortnightly") return (value * 26) / 12; if (frequency === "annual") return value / 12; return value; } function calculateAustralianTax(income, hasHelpDebt) { const taxable = Math.max(0, income); let tax = 0; if (taxable <= 18200) tax = 0; else if (taxable <= 45000) tax = (taxable - 18200) * 0.16; else if (taxable <= 135000) tax = 4288 + (taxable - 45000) * 0.30; else if (taxable <= 190000) tax = 31288 + (taxable - 135000) * 0.37; else tax = 51638 + (taxable - 190000) * 0.45; const medicare = taxable > 26000 ? taxable * 0.02 : 0; // Simplified HELP/HECS estimate. Actual repayment thresholds change each year. let help = 0; if (hasHelpDebt) { if (taxable >= 160000) help = taxable * 0.10; else if (taxable >= 140000) help = taxable * 0.09; else if (taxable >= 120000) help = taxable * 0.08; else if (taxable >= 100000) help = taxable * 0.065; else if (taxable >= 80000) help = taxable * 0.045; else if (taxable >= 60000) help = taxable * 0.025; } return { tax, medicare, help, netAnnual: taxable - tax - medicare - help }; } function repaymentMonthly(principal, annualRate, years) { const r = annualRate / 100 / 12; const n = years * 12; if (r <= 0) return principal / n; return principal * (r * Math.pow(1 + r, n)) / (Math.pow(1 + r, n) - 1); } function loanFromRepayment(monthlyRepayment, annualRate, years) { const r = annualRate / 100 / 12; const n = years * 12; if (monthlyRepayment <= 0) return 0; if (r <= 0) return monthlyRepayment * n; return monthlyRepayment * (Math.pow(1 + r, n) - 1) / (r * Math.pow(1 + r, n)); } const hemTable = { single: { 0: 2430, 1: 3150, 2: 3850, 3: 4550, 4: 5250, }, joint: { 0: 4100, 1: 4700, 2: 5325, 3: 5900, 4: 6500, }, }; function getHem(applicationType, dependants) { const capped = Math.min(Number(dependants || 0), 4); return hemTable[applicationType]?.[capped] || 5325; } function Field({ label, value, onChange, placeholder, helper, prefix = "$", type = "text" }) { return (

); } function ResultRow({ label, value }) { return (

); } export default function PoliceBorrowingPowerCalculator() { const [applicationType, setApplicationType] = useState("joint"); const [dependants, setDependants] = useState("2"); const [payFrequency, setPayFrequency] = useState("annual"); const [declaredExpenses, setDeclaredExpenses] = useState(""); const [a1Base, setA1Base] = useState("86000"); const [a1Loading, setA1Loading] = useState("8190"); const [a1Overtime, setA1Overtime] = useState("9932"); const [a1Shift, setA1Shift] = useState(""); const [a1Higher, setA1Higher] = useState(""); const [a1Other, setA1Other] = useState(""); const [a2Base, setA2Base] = useState("95000"); const [a2Other, setA2Other] = useState(""); const [creditCardLimit, setCreditCardLimit] = useState("20000"); const [personalLoanMonthly, setPersonalLoanMonthly] = useState(""); const [carLoanMonthly, setCarLoanMonthly] = useState(""); const [existingMortgageMonthly, setExistingMortgageMonthly] = useState(""); const [novatedPreTax, setNovatedPreTax] = useState(""); const [novatedPostTax, setNovatedPostTax] = useState(""); const [hasHelpDebt, setHasHelpDebt] = useState("no"); const [commitmentFrequency, setCommitmentFrequency] = useState("fortnightly"); const [actualRate, setActualRate] = useState(6.25); const [buffer, setBuffer] = useState(3.0); const [floorRate, setFloorRate] = useState(8.5); const [loanTerm, setLoanTerm] = useState(30); const [minimumSurplus, setMinimumSurplus] = useState(1000); const result = useMemo(() => { const a1BaseAnnual = annualise(a1Base, payFrequency); const a1LoadingAnnual = annualise(a1Loading, payFrequency); const a1OvertimeAnnual = annualise(a1Overtime, payFrequency); const a1ShiftAnnual = annualise(a1Shift, payFrequency); const a1HigherAnnual = annualise(a1Higher, payFrequency); const a1OtherAnnual = annualise(a1Other, payFrequency); const a2BaseAnnual = applicationType === "joint" ? annualise(a2Base, payFrequency) : 0; const a2OtherAnnual = applicationType === "joint" ? annualise(a2Other, payFrequency) : 0; const variableIncome = a1LoadingAnnual + a1OvertimeAnnual + a1ShiftAnnual + a1HigherAnnual + a1OtherAnnual; const baseIncome = a1BaseAnnual + a2BaseAnnual + a2OtherAnnual; const conservativeIncome = baseIncome + variableIncome * 0.8; const policeFriendlyIncome = baseIncome + variableIncome; const conservativeTax = calculateAustralianTax(conservativeIncome, hasHelpDebt === "yes"); const policeFriendlyTax = calculateAustralianTax(policeFriendlyIncome, hasHelpDebt === "yes"); const hem = getHem(applicationType, dependants); const livingExpenses = Math.max(hem, toNumber(declaredExpenses)); const creditCardMonthly = toNumber(creditCardLimit) * 0.038; const novatedMonthly = monthlyise(toNumber(novatedPreTax) + toNumber(novatedPostTax), commitmentFrequency); const monthlyCommitments = creditCardMonthly + toNumber(personalLoanMonthly) + toNumber(carLoanMonthly) + toNumber(existingMortgageMonthly) + novatedMonthly; const assessmentRate = Math.max(Number(actualRate) + Number(buffer), Number(floorRate)); const conservativeNetMonthly = conservativeTax.netAnnual / 12; const policeFriendlyNetMonthly = policeFriendlyTax.netAnnual / 12; const conservativeAvailable = conservativeNetMonthly - livingExpenses - monthlyCommitments - Number(minimumSurplus); const policeFriendlyAvailable = policeFriendlyNetMonthly - livingExpenses - monthlyCommitments - Number(minimumSurplus); const conservativeLoan = loanFromRepayment(conservativeAvailable, assessmentRate, Number(loanTerm)); const policeFriendlyLoan = loanFromRepayment(policeFriendlyAvailable, assessmentRate, Number(loanTerm)); const dtiConservative = conservativeIncome > 0 ? conservativeLoan / conservativeIncome : 0; const dtiPoliceFriendly = policeFriendlyIncome > 0 ? policeFriendlyLoan / policeFriendlyIncome : 0; return { baseIncome, variableIncome, conservativeIncome, policeFriendlyIncome, conservativeTax, policeFriendlyTax, hem, livingExpenses, creditCardMonthly, novatedMonthly, monthlyCommitments, assessmentRate, conservativeNetMonthly, policeFriendlyNetMonthly, conservativeAvailable, policeFriendlyAvailable, conservativeLoan: Math.max(0, conservativeLoan), policeFriendlyLoan: Math.max(0, policeFriendlyLoan), dtiConservative, dtiPoliceFriendly, repaymentPer500k: repaymentMonthly(500000, assessmentRate, Number(loanTerm)), }; }, [ applicationType, dependants, payFrequency, declaredExpenses, a1Base, a1Loading, a1Overtime, a1Shift, a1Higher, a1Other, a2Base, a2Other, creditCardLimit, personalLoanMonthly, carLoanMonthly, existingMortgageMonthly, novatedPreTax, novatedPostTax, hasHelpDebt, commitmentFrequency, actualRate, buffer, floorRate, loanTerm, minimumSurplus, ]); return (

); }