IPCA Investment Calculator

A modern web application that calculates investment returns adjusted by Brazil's IPCA (Índice Nacional de Preços ao Consumidor Amplo) inflation index.

📊 Overview

This application allows users to:

• Enter an initial investment amount in Brazilian Reais (BRL)
• Select a start date and end date for the investment period
• Calculate the inflation-adjusted value based on official IPCA data
• Visualize the investment growth over time with an interactive chart

🚀 Features

Funcionalidades

• Simulação de Cenários:
  • IPCA + Taxa Fixa: Corrige o investimento pela inflação (IPCA) e aplica uma taxa de juros fixa. Ideal para Tesouro IPCA+.
  • SELIC + Taxa Fixa: Utiliza a taxa SELIC acumulada mensalmente mais uma taxa fixa.
  • Apenas Taxa Fixa: Simula um investimento prefixado, sem correção por índice econômico.
• Dados Reais: Consulta automática ao Banco Central para obter as séries históricas:
  • IPCA (Série 433)
  • SELIC (Série 4390 - Acumulada no mês)
• Cálculo Preciso: Utiliza juros compostos mês a mês para máxima precisão.
• Visualização Gráfica: Gráfico interativo que compara o crescimento do índice puro vs. o investimento total.
• Resultados Detalhados: Mostra valor final, ganho real, variação total do índice e taxa efetiva aplicada.

• Real-time IPCA Data: Fetches official data from Banco Central do Brasil API
• Accurate Calculations: Uses compound interest formula for precise inflation adjustment
• Interactive Visualization: Beautiful Chart.js line chart showing investment evolution
• Modern UI: Premium dark theme with glassmorphism effects and smooth animations
• Responsive Design: Works seamlessly on desktop, tablet, and mobile devices
• Form Validation: Comprehensive input validation with user-friendly error messages
• No Backend Required: Pure client-side application

🛠️ Technology Stack

• HTML5: Semantic structure with SEO optimization
• CSS3: Modern design system with custom properties, gradients, and animations
• JavaScript (ES6+): Vanilla JS with async/await for API calls
• Chart.js: Interactive data visualization
• Banco Central do Brasil API: Official IPCA data source

📖 How to Use

1. Open the Application

   • Simply open index.html in a modern web browser
   • No installation or build process required

2. Enter Investment Details

   • Input the initial investment amount in BRL
   • Select the start date (when the investment began)
   • Select the end date (when you want to calculate the value)

3. Calculate

   • Click the "Calcular" button
   • The app will fetch IPCA data and display results

4. View Results

   • See the inflation-adjusted value
   • View total IPCA variation for the period
   • Explore the interactive chart showing value evolution

🔧 Running Locally

Option 1: Direct File Access

# Clone or download the repository
cd IPCA

# Open in browser
open index.html  # macOS
# or
start index.html  # Windows
# or
xdg-open index.html  # Linux

Option 2: Local Server (Recommended)

# Using Python 3
python3 -m http.server 8000

# Using Node.js
npx http-server -p 8000

# Then open http://localhost:8000 in your browser

📊 IPCA Data Source

The application uses the official Banco Central do Brasil API:

• Endpoint: https://api.bcb.gov.br/dados/serie/bcdata.sgs.433/dados
• Series Code: 433 (IPCA monthly variation %)
• Format: JSON
• Date Range: Supports custom date ranges from 1980 to present
• Authentication: None required (public API)

🧮 Calculation Methodology

The IPCA adjustment uses the compound interest formula:

Adjusted Value = Initial Value × (1 + rate₁/100) × (1 + rate₂/100) × ... × (1 + rateₙ/100)

Where:

• Initial Value is the investment amount
• rate₁, rate₂, ..., rateₙ are the monthly IPCA variations for each month in the period

Total IPCA Variation:

Total Variation = [(1 + rate₁/100) × (1 + rate₂/100) × ... × (1 + rateₙ/100) - 1] × 100

🎨 Design Features

• Dark Theme: Easy on the eyes with vibrant accent colors
• Glassmorphism: Modern frosted glass effect on cards
• Smooth Animations: Micro-interactions for enhanced user experience
• Responsive Layout: Mobile-first design with breakpoints for all devices
• Custom Typography: Inter font family for clean, modern look
• Interactive Charts: Hover effects and tooltips for data exploration

🌐 Browser Compatibility

• Chrome/Edge (latest)
• Firefox (latest)
• Safari (latest)
• Opera (latest)

📝 License

This project is open source and available under the MIT License.

🤝 Contributing

Contributions, issues, and feature requests are welcome!

📧 Contact

For questions or support, please open an issue in the repository.

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Note: This application is for educational and informational purposes only. Always consult with a financial advisor for investment decisions.