@extends('layouts.frontend')
@section('js_after')

@endsection
@section('content')
    <div class="banner">
        <div class="container">
            <div class="row">
                <div class="col-md-12 text-center">
                    <h2 class="page-title">TRAIL CALCULATORS</h2>
                </div>
            </div>
        </div>
    </div>

    @php
        $annual_fresh_insurance_premium_sales = $annual_fresh_insurance_premium_sales;
        $commission_first_year = $commission_first_year;
        $commission_second_year = $commission_second_year;
        $annual_fresh_sip_sales = $annual_fresh_sip_sales;

        $period = $period;
        $expected_rate_return = $expected_rate_return;
        $brokerage_rate = $brokerage_rate;

        $monthly_expected_rate_return = (1+$expected_rate_return/100)**(1/12)-1;
        $monthly_brokerage_rate = $brokerage_rate / 12;

        $monthly_premium = $annual_fresh_insurance_premium_sales / 12;
        $monthly_sip_sales = $annual_fresh_sip_sales / 12;
    @endphp
    <section  class="main-sec">
        <div id="content" class="container">
            <div class="row">
                <div class="col-md-12 text-center">
                    <a href="javascript:history.back()" class="btn btn-primary btn-round" ><i class="fa fa-angle-left"></i> Back</a>
                    <h5 class="mb-3 text-center">Annual Insurance Premium vs Annual Mutual Fund SIP Trail Calculation</h5>
                    <table class="table table-bordered text-center">
                        <tbody>
                        <tr>
                            <td align="left">
                                <strong>Annual Fresh Insurance Premium Sales :</strong>
                            </td>
                            <td align="left">
                                ₹ {{custome_money_format($annual_fresh_insurance_premium_sales)}} /-
                            </td>
                        </tr>
                        <tr>
                            <td align="left">
                                <strong>Commission - 1st Year :</strong>
                            </td>
                            <td align="left">
                                {{$commission_first_year?number_format($commission_first_year, 2, '.', ''):0}} %
                            </td>
                        </tr>
                        <tr>
                            <td align="left">
                                <strong>Commission - 2nd Year Onwards :</strong>
                            </td>
                            <td align="left">
                                {{$commission_second_year?number_format($commission_second_year, 2, '.', ''):0}} %
                            </td>
                        </tr>
                        <tr>
                            <td align="left">
                                <strong>Annual Fresh SIP Sales :</strong>
                            </td>
                            <td align="left">
                                ₹ {{custome_money_format($annual_fresh_sip_sales)}} /-
                            </td>
                        </tr>
                        <tr>
                            <td align="left">
                                <strong>Expected Rate Of Return In Mutual Fund :</strong>
                            </td>
                            <td align="left">
                                {{$expected_rate_return?number_format($expected_rate_return, 2, '.', ''):0}} %
                            </td>
                        </tr>
                        <tr>
                            <td align="left">
                                <strong>Trail Rate :</strong>
                            </td>
                            <td align="left">
                                {{$brokerage_rate?number_format($brokerage_rate, 2, '.', ''):0}} %
                            </td>
                        </tr>
                        </tbody>
                    </table>
                    <table class="table table-bordered text-center" style="background: #fff;">
                        <tbody>
                        <tr>
                            <th style="vertical-align: middle;">Year</th>
                            <th>Insurance Annual Commission</th>
                            <th>Insurance Cumulative Commission</th>
                            <th>*MF Annual Trail</th>
                            <th>MF Cumulative Trail</th>
                            <th>Annual Difference</th>
                            <th>Cumulative Difference</th>
                            <th>*Mutual Fund AUM EOY</th>
                        </tr>
                        @php
                           $monthly_insurance_premium = $monthly_premium;
                           $sip_bom_value = $monthly_sip_sales;
                           $cumulative_brokerage_amount = 0;
                           $insurance_cumulative_commission = 0;
                           $month_counter = 1;
                           for ($i = 1; $i <= $period; $i++) {
                               $annual_insurance_commission = 0;
                               $total_brokerage_amount = 0;
                               for ($j = 1; $j <= 12; $j++) {
                                   $first_year_commission = ( $monthly_insurance_premium * $commission_first_year ) / 100;
                                   $cumulative_annual_premium = $monthly_insurance_premium * ($i - 1);
                                   $second_year_onward_commission = ($cumulative_annual_premium * $commission_second_year) / 100;
                                   $total_insurance_commission = $first_year_commission + $second_year_onward_commission;

                                   $annual_insurance_commission += $total_insurance_commission;
                                   $insurance_cumulative_commission += $total_insurance_commission;

                                   //sip
                                   $monthly_return = $sip_bom_value * $monthly_expected_rate_return;
                                   $sip_eom_value = $sip_bom_value + $monthly_return;
                                   $monthly_avg = ($sip_bom_value + $sip_eom_value)/2;
                                   $sip_brokerage_amount = ($monthly_avg * $monthly_brokerage_rate) / 100;

                                   $total_brokerage_amount += $sip_brokerage_amount;
                                   $cumulative_brokerage_amount += $sip_brokerage_amount;


                                   //new values sip
                                   $sip_bom_value = $sip_eom_value + $monthly_sip_sales;
                                   $sip_bom_value += ($monthly_sip_sales * $month_counter);
                                   $month_counter++;
                               }
                               $tmp_ad = $total_brokerage_amount - $annual_insurance_commission;
                                $tmp_cd = $cumulative_brokerage_amount - $insurance_cumulative_commission;
                        @endphp
                            <tr>
                                <td>{{$i}}</td>
                                <td>₹ {{custome_money_format($annual_insurance_commission)}}</td>
                                <td>₹ {{custome_money_format($insurance_cumulative_commission)}}</td>
                                <td>₹ {{custome_money_format($total_brokerage_amount)}}</td>

                                <td>₹ {{custome_money_format($cumulative_brokerage_amount)}}</td>
                                {{--<td>₹ {{preg_replace("/(\d+?)(?=(\d\d)+(\d)(?!\d))(\.\d+)?/i", "$1,",round($tmp_ad))}}</td>--}}
                                <td>₹ {{custome_money_format($tmp_ad)}}</td>
                                {{--<td>₹ {{custome_money_format($total_brokerage_amount - $annual_insurance_commission)}}</td>--}}
                                {{--<td>₹ {{custome_money_format($cumulative_brokerage_amount - $insurance_cumulative_commission)}}</td>--}}
                                {{--<td>₹ {{preg_replace("/(\d+?)(?=(\d\d)+(\d)(?!\d))(\.\d+)?/i", "$1,",round($tmp_cd))}}</td>--}}
                                <td>₹ {{custome_money_format($tmp_cd)}}</td>
                                <td>₹ {{custome_money_format($sip_eom_value)}}</td>
                            </tr>
                        @php
                        }
                        @endphp
                        </tbody>
                    </table>
                    <p style="text-align: left; margin-top: 20px;">
                        * The above is for illustration purpose only. The actual figures may vary. <br>
                        * It is assumed that Sales is made on the 1st day of the month and evenly distributed throughout the year.
                    </p>
                    <a href="javascript:history.back()" class="btn btn-primary btn-round" ><i class="fa fa-angle-left"></i> Back</a>

                </div>
            </div>
        </div>
        <div class="btm-shape-prt">
            <img class="img-fluid" src="{{url('/')}}/f/images/shape2.png" alt="">
        </div>
    </section>

@endsection