kawaiipunk
d2c3f981fd
- Fix: simple-at-maturity final payout now includes total interest (was only paying one year's interest due to dead ternary) - Fix: add type='button' to prevent form submission in WordPress - Fix: add radix 10 to parseInt - Fix: remove misleading tilde on exact average income calculation
SCD Bond Calculator
A self-contained bond return calculator widget for Stirchley Community Development (SCD) — a community housing co-operative in Stirchley, Birmingham, UK.
Potential investors can model returns on SCD community bonds across four interest models (compound/simple × at-maturity/paid-yearly), see a year-by-year breakdown, and understand the security tier and UK tax implications of their investment.
Features
- Three inputs — investment amount (£20k–£10M), interest rate (0–3.5%), term (5–30 years)
- Four payout methods — compound at maturity, compound paid yearly, simple at maturity, simple paid yearly
- Summary cards — total repayment, total interest, per-year income, effective annual rate (CAGR)
- Security tier — unsecured (< £150k), tertiary charge (£150k–£500k), secondary charge (> £500k)
- Tax estimates — basic / higher / additional rate UK income tax (before Personal Savings Allowance)
- Year-by-year table — full breakdown with collapsible detail and totals row
Usage
Open calc.html in any browser. No build step or server required — the widget is a single, self-contained HTML file that can be embedded directly as a WordPress Custom HTML block.
Bond offer
Refer to the SCD Bond Offer Document for full terms, risks, and legal details.
License
AGPL-3.0 — see LICENSE.