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جلسات تبدأ من 120$
مالي — أداتك المالية الذكية
أداة ذكية لإدارة أموالك الشخصية — تتبع المصاريف، الميزانية، والأهداف المالية.
$29.99
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,product_title:'\ud83d\udcb0 Mali \u2014 Votre outil financier intelligent',product_desc:'Calculateur de pr\u00eats, suivi des d\u00e9penses et planification financi\u00e8re \u2014 100% gratuit, sans inscription.',product_btn:'Commencer maintenant',product_note:'Sans inscription \u2014 utilisez instantan\u00e9ment',affiliate_title:'\u2b50 Outils financiers recommand\u00e9s',affiliate_subtitle:'Des produits de confiance',aff_savings:'\ud83d\udcb0 \u00c9pargne haut rendement',aff_budget:'\ud83d\udcca Apps de budget',aff_invest:'\ud83d\udcc8 Plateformes d\u2019investissement',aff_debt:'\ud83d\udcb3 Solutions de dette'},
ar:{title:'KAM
\u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u2014 \u062d\u0627\u0633\u0628\u0629 \u0634\u0627\u0645\u0644\u0629',subtitle:'\u0623\u062f\u0648\u0627\u062a \u0645\u062c\u0627\u0646\u064a\u0629 \u0644\u0644\u062a\u062d\u0643\u0645 \u0641\u064a \u0623\u0645\u0648\u0627\u0644\u0643 \u2014 \u062a\u0631\u0642\u064a\u0629 \u0644\u0644\u0627\u062d\u062a\u0631\u0627\u0641\u064a',tab_loan:'\u0627\u0644\u0642\u0631\u0636',tab_savings:'\u0627\u0644\u0627\u062f\u062e\u0627\u0631',tab_budget:'\u0645\u064a\u0632\u0627\u0646\u064a\u0629 50/30/20',tab_debt:'\u0633\u062f\u0627\u062f \u0627\u0644\u062f\u064a\u0648\u0646',tab_emergency:'\u0635\u0646\u062f\u0648\u0642 \u0637\u0648\u0627\u0631\u0626',tab_invest:'\u0627\u0633\u062a\u062b\u0645\u0627\u0631',loan_title:'\u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u0642\u0631\u0648\u0636',loan_subtitle:'\u0627\u0639\u0631\u0641 \u0642\u0633\u0637\u0643 \u0627\u0644\u0634\u0647\u0631\u064a',loan_amount:'\u0645\u0628\u0644\u063a \u0627\u0644\u0642\u0631\u0636',loan_rate:'\u0646\u0633\u0628\u0629 \u0627\u0644\u0641\u0627\u0626\u062f\u0629',loan_term:'\u0627\u0644\u0645\u062f\u0629',loan_type_label:'\u0627\u0644\u0646\u0648\u0639',type_personal:'\u0634\u062e\u0635\u064a',type_auto:'\u0633\u064a\u0627\u0631\u0629',type_mortgage:'\u0631\u0647\u0646 \u0639\u0642\u0627\u0631\u064a',type_student:'\u062f\u0631\u0627\u0633\u064a',btn_calculate:'\u0627\u062d\u0633\u0628 \u0627\u0644\u0642\u0633\u0637',loan_breakdown:'\u062a\u0641\u0627\u0635\u064a\u0644 \u0627\u0644\u0642\u0631\u0636',monthly_payment:'\u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0634\u0647\u0631\u064a',total_paid:'\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u062f\u0641\u0648\u0639',total_interest:'\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0641\u0648\u0627\u0626\u062f',interest_pct:'\u0627\u0644\u0641\u0648\u0627\u0626\u062f %',amort_title:'\u062c\u062f\u0648\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643',th_payment:'\u0627\u0644\u062f\u0641\u0639\u0629',th_principal:'\u0627\u0644\u0623\u0635\u0644',th_interest:'\u0627\u0644\u0641\u0627\u0626\u062f\u0629',th_balance:'\u0627\u0644\u0631\u0635\u064a\u062f',th_month:'\u0627\u0644\u0634\u0647\u0631',th_deposit:'\u0627\u0644\u0625\u064a\u062f\u0627\u0639',unlock_amort:'\u0641\u062a\u062d \u062c\u062f\u0648\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643',unlock_amort_desc:'\u062a\u0641\u0627\u0635\u064a\u0644 \u0634\u0647\u0631\u064a\u0629 \u0643\u0627\u0645\u0644\u0629. \u0642\u0645 \u0628\u0627\u0644\u062a\u0631\u0642\u064a\u0629.',btn_upgrade:'\u062a\u0631\u0642\u064a\u0629 \u0644\u0644\u0627\u062d\u062a\u0631\u0627\u0641\u064a \u2014 2.99$',sav_title:'\u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u0627\u062f\u062e\u0627\u0631',sav_subtitle:'\u0643\u0645 \u062a\u062f\u062e\u0631 \u0634\u0647\u0631\u064a\u0627\u064b\u061f',sav_goal:'\u0627\u0644\u0647\u062f\u0641',sav_current:'\u0627\u0644\u062d\u0627\u0644\u064a',sav_months:'\u0623\u0634\u0647\u0631',sav_rate:'\u0627\u0644\u0639\u0627\u0626\u062f',btn_calc_savings:'\u062d\u0633\u0627\u0628 \u0627\u0644\u0627\u062f\u062e\u0627\u0631',sav_plan:'\u062e\u0637\u0629 \u0627\u0644\u0627\u062f\u062e\u0627\u0631',save_per_month:'\u0634\u0647\u0631\u064a\u0627\u064b',total_deposit:'\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0625\u064a\u062f\u0627\u0639\u0627\u062a',interest_earned:'\u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0627\u0644\u0645\u0643\u062a\u0633\u0628\u0629',final_balance:'\u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0646\u0647\u0627\u0626\u064a',growth_title:'\u062a\u0641\u0627\u0635\u064a\u0644 \u0627\u0644\u0646\u0645\u0648',unlock_growth:'\u0641\u062a\u062d \u062a\u0641\u0627\u0635\u064a\u0644 \u0627\u0644\u0646\u0645\u0648',unlock_growth_desc:'\u062a\u0641\u0627\u0635\u064a\u0644 \u0634\u0647\u0631\u064a\u0629.',budget_title:'\u0645\u062e\u0637\u0637 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0630\u0643\u064a',budget_subtitle:'\u0623\u062c\u0628 \u0639\u0644\u0649 3 \u0623\u0633\u0626\u0644\u0629 \u0648\u0633\u0646\u0648\u0635\u064a \u0628\u0623\u0641\u0636\u0644 \u0637\u0631\u064a\u0642\u0629 \u0644\u0643',budget_income:'\u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0634\u0647\u0631\u064a',btn_budget:'\u0627\u0643\u062a\u0634\u0641 \u0637\u0631\u064a\u0642\u0629 \u0645\u064a\u0632\u0627\u0646\u064a\u062a\u0643',budget_plan:'\u0645\u064a\u0632\u0627\u0646\u064a\u062a\u0643',needs:'\u0627\u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a',wants:'\u0627\u0644\u0631\u063a\u0628\u0627\u062a',save_debt:'\u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0648\u0627\u0644\u062f\u064a\u0648\u0646',bar_needs:'\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a 50%',bar_wants:'\u0631\u063a\u0628\u0627\u062a 30%',bar_save:'\u0627\u062f\u062e\u0627\u0631 20%',promo_title:'\u0647\u0644 \u062a\u062d\u062a\u0627\u062c \u0625\u0631\u0634\u0627\u062f \u0645\u0627\u0644\u064a \u0634\u062e\u0635\u064a\u061f',promo_desc:'\u0627\u062d\u062c\u0632 \u0627\u0633\u062a\u0634\u0627\u0631\u0629 \u0645\u062c\u0627\u0646\u064a\u0629 \u0645\u0639 KAM \u0644\u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a\u0629',promo_btn:'\u0627\u0633\u062a\u0634\u0627\u0631\u0629 \u0645\u062c\u0627\u0646\u064a\u0629',q1:'1. \u0643\u064a\u0641 \u062a\u0635\u0641 \u0648\u0636\u0639\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u061f',q1_pick:'-- \u0627\u062e\u062a\u0631 --',q1a:'\u0623\u0639\u064a\u0634 \u0645\u0646 \u0631\u0627\u062a\u0628 \u0644\u0631\u0627\u062a\u0628',q1b:'\u0645\u0633\u062a\u0642\u0631 \u0644\u0643\u0646 \u0623\u0631\u064a\u062f \u0627\u062f\u062e\u0627\u0631 \u0623\u0643\u062b\u0631',q1c:'\u0645\u0631\u062a\u0627\u062d \u0645\u0639 \u0645\u062c\u0627\u0644 \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631',q1d:'\u0623\u0631\u0643\u0632 \u0639\u0644\u0649 \u0633\u062f\u0627\u062f \u0627\u0644\u062f\u064a\u0648\u0646',q2:'2. \u0643\u0645 \u0645\u0646 \u0627\u0644\u0648\u0642\u062a \u062a\u0631\u064a\u062f \u062a\u062e\u0635\u064a\u0635\u0647 \u0644\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629\u061f',q2_pick:'-- \u0627\u062e\u062a\u0631 --',q2a:'\u0623\u0642\u0644 \u0642\u062f\u0631 \u0645\u0645\u0643\u0646 — \u0627\u0644\u0628\u0633\u0627\u0637\u0629',q2b:'\u062f\u0642\u0627\u0626\u0642 \u0642\u0644\u064a\u0644\u0629 \u0623\u0633\u0628\u0648\u0639\u064a\u0627\u064b',q2c:'\u0623\u0631\u064a\u062f \u0627\u0644\u062a\u062d\u0643\u0645 \u0641\u064a \u0643\u0644 \u062f\u0648\u0644\u0627\u0631',q3:'3. \u0645\u0627 \u0647\u0648 \u0647\u062f\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u061f',q3_pick:'-- \u0627\u062e\u062a\u0631 --',q3a:'\u0628\u0646\u0627\u0621 \u0635\u0646\u062f\u0648\u0642 \u0637\u0648\u0627\u0631\u0626 / \u0627\u062f\u062e\u0627\u0631',q3b:'\u0627\u0644\u062a\u062e\u0644\u0635 \u0645\u0646 \u0627\u0644\u062f\u064a\u0648\u0646 \u0628\u0633\u0631\u0639\u0629',q3c:'\u062a\u0646\u0645\u064a\u0629 \u062b\u0631\u0648\u062a\u064a / \u0627\u0633\u062a\u062b\u0645\u0627\u0631',q3d:'\u062d\u064a\u0627\u0629 \u0645\u062a\u0648\u0627\u0632\u0646\u0629 \u0641\u0642\u0637',recommended_for_you:'\u0645\u0648\u0635\u0649 \u0628\u0647 \u0644\u0643',all_methods:'\u0637\u0631\u0642 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0623\u0631\u0628\u0639:',bm_503020:'\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0645\u062a\u0648\u0627\u0632\u0646\u0629 50/30/20',bm_503020_desc:'\u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u0623\u0634\u0647\u0631. 50% \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u060c 30% \u0631\u063a\u0628\u0627\u062a\u060c 20% \u0627\u062f\u062e\u0627\u0631.',bm_702010:'\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0628\u0633\u064a\u0637\u0629 70/20/10',bm_702010_desc:'\u0628\u0633\u064a\u0637\u0629. 70% \u0645\u0639\u064a\u0634\u0629\u060c 20% \u0627\u062f\u062e\u0627\u0631\u060c 10% \u062f\u064a\u0648\u0646 \u0648\u062a\u0628\u0631\u0639\u0627\u062a.',bm_8020:'\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0628\u0633\u064a\u0637\u0629 80/20',bm_8020_desc:'\u0627\u0644\u0623\u0628\u0633\u0637. 80% \u0643\u0644 \u0634\u064a\u0621\u060c 20% \u0627\u062f\u062e\u0627\u0631.',bm_zero:'\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0635\u0641\u0631',bm_zero_desc:'\u0644\u0643\u0644 \u062f\u0648\u0644\u0627\u0631 \u0648\u0638\u064a\u0641\u0629. \u0627\u0644\u0623\u0641\u0636\u0644 \u0644\u0633\u062f\u0627\u062f \u0627\u0644\u062f\u064a\u0648\u0646.',debt_title:'\u0633\u062f\u0627\u062f \u0627\u0644\u062f\u064a\u0648\u0646',emerg_title:'\u062d\u0627\u0633\u0628\u0629 \u0635\u0646\u062f\u0648\u0642 \u0637\u0648\u0627\u0631\u0626',emerg_subtitle:'\u062d\u062f\u062f \u0634\u0628\u0643\u0627\u0644\u0628\u062a\u0643 \u0627\u0644\u0623\u0645\u0627\u0646',emerg_q1:'\u0643\u0645 \u0639\u062f\u062f \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0630\u064a\u0646 \u064a\u0639\u062a\u0645\u062f\u0648\u0646 \u0639\u0644\u0649 \u062f\u062e\u0644\u0643\u061f',emerg_q2:'\u0647\u0644 \u062a\u0648\u062c\u062f \u0644\u062f\u064a\u0643 \u0646\u0641\u0642\u0627\u062a \u0637\u0628\u064a\u0629 \u0645\u062a\u0643\u0631\u0631\u0629 \u0643\u0628\u064a\u0631\u0629\u061f',emerg_q3:'\u0645\u0627 \u0645\u062f\u0649 \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u062f\u062e\u0644\u0643\u061f',emerg_rent:'\u0625\u064a\u062c\u0627\u0631/\u0631\u0647\u0646 \u0634\u0647\u0631\u064a',emerg_food:'\u063a\u0630\u0627\u0621 \u0634\u0647\u0631\u064a',emerg_utilities:'\u062e\u062f\u0645\u0627\u062a \u0639\u0627\u0645\u0629 \u0634\u0647\u0631\u064a\u0629',emerg_insurance:'\u062a\u0623\u0645\u064a\u0646 \u0634\u0647\u0631\u064a',emerg_transport:'\u0646\u0642\u0644 \u0634\u0647\u0631\u064a',emerg_pick:'-- \u0627\u062e\u062a\u0631 --',emerg_dep1:'\u0641\u0642\u0637 \u0623\u0646\u0627',emerg_dep2:'شخصان',emerg_dep3:'3-4 \u0623\u0634\u062e\u0627\u0635',emerg_dep4:'5+ \u0623\u0634\u062e\u0627\u0635',emerg_med1:'\u0644\u0627',emerg_med2:'\u0628\u0639\u0636 \u0627\u0644\u0634\u064a\u0621',emerg_med3:'\u0643\u0628\u064a\u0631',emerg_stab1:'\u0645\u0633\u062a\u0642\u0631 \u062c\u062f\u0627 / \u062d\u0643\u0648\u0645\u064a',emerg_stab2:'\u0631\u0627\u062a\u0628 \u0645\u0633\u062a\u0642\u0631',emerg_stab3:'\u0639\u0627\u0645\u0644 \u062d\u0631 / \u0645\u062a\u063a\u064a\u0631',emerg_stab4:'\u063a\u064a\u0631 \u0645\u0633\u062a\u0642\u0631',btn_emerg_calc:'\u062d\u0633\u0627\u0628 \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626',emerg_tiers:'\u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626',emerg_3mo:'\u0635\u0646\u062f\u0648\u0642 3 \u0623\u0634\u0647\u0631',emerg_6mo:'\u0635\u0646\u062f\u0648\u0642 6 \u0623\u0634\u0647\u0631',emerg_12mo:'\u0635\u0646\u062f\u0648\u0642 12 \u0634\u0647\u0631',emerg_personalized:'\u062e\u0637\u0629 \u0637\u0648\u0627\u0631\u0626 \u0645\u062e\u0635\u0635\u0629',emerg_detail_title:'\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631',unlock_emerg:'\u0641\u062a\u062d \u062e\u0637\u0629 \u0627\u0644\u0637\u0648\u0627\u0631\u0626 \u0627\u0644\u0643\u0627\u0645\u0644\u0629',unlock_emerg_desc:'\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 & \u0627\u0644\u0639\u062a \u0627\u0644\u0632\u0645\u0646\u064a \u0644\u0644\u0627\u062f\u062e\u0627\u0631.',budget_detailed:'\u0628\u064a\u0627\u0646 \u0645\u0641\u0635\u0644 \u0645\u0627\u0644\u064a \u0634\u0647\u0631\u064a \u0645\u062e\u0635\u0635',budget_export:'\u062a\u0635\u062f\u064a\u0631 \u062e\u0637\u0629 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629',unlock_budget_detail:'\u0641\u062a\u062d \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0645\u0641\u0635\u0644\u0629',unlock_budget_detail_desc:'\u0628\u064a\u0627\u0646 \u0645\u0641\u0635\u0644 & \u062a\u0639\u062f\u064a\u0644\u0627\u062a \u0645\u062e\u0635\u0635\u0629.',debt_subtitle:'\u0645\u062a\u0649 \u0633\u062a\u062a\u062d\u0631\u0631 \u0645\u0646 \u0627\u0644\u062f\u064a\u0648\u0646\u061f',debt_balance:'\u0627\u0644\u062f\u064a\u0646',debt_rate:'\u0627\u0644\u0646\u0633\u0628\u0629',debt_min:'\u0627\u0644\u062f\u0641\u0639\u0629 \u0627\u0644\u062f\u0646\u064a\u0627',debt_extra:'\u0625\u0636\u0627\u0641\u064a',btn_debt:'\u062d\u0633\u0627\u0628 \u0627\u0644\u0633\u062f\u0627\u062f',debt_plan:'\u062e\u0637\u0629 \u0627\u0644\u0633\u062f\u0627\u062f',months_payoff:'\u0623\u0634\u0647\u0631 \u0644\u0644\u0633\u062f\u0627\u062f',without_extra:'\u0628\u062f\u0648\u0646 \u0625\u0636\u0627\u0641\u064a',interest_saved:'\u0641\u0648\u0627\u0626\u062f \u0645\u0648\u0641\u0631\u0629',total_int_extra:'\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0641\u0648\u0627\u0626\u062f',invest_title:'\u0646\u0645\u0648 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631',invest_subtitle:'\u062a\u0648\u0642\u0639 \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0645\u0631\u0643\u0628',inv_initial:'\u0627\u0644\u0623\u0648\u0644\u064a',inv_monthly:'\u0634\u0647\u0631\u064a',inv_rate:'\u0627\u0644\u0639\u0627\u0626\u062f',inv_years:'\u0633\u0646\u0648\u0627\u062a',btn_invest:'\u062a\u0648\u0642\u0639 \u0627\u0644\u0646\u0645\u0648',unlock_invest:'\u0627\u062d\u062a\u0631\u0627\u0641\u064a: \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631',unlock_invest_desc:'\u062a\u0648\u0642\u0639\u0627\u062a \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0645\u0631\u0643\u0628.',popular:'\u0627\u0644\u0623\u0643\u062b\u0631 \u0634\u0639\u0628\u064a\u0629',pricing_title:'\u062a\u0631\u0642\u064a\u0629 \u0625\u0644\u0649 KAM \u0627\u0644\u0627\u062d\u062a\u0631\u0627\u0641\u064a',pricing_desc:'\u0643\u0644 \u0627\u0644\u062d\u0627\u0633\u0628\u0627\u062a \u2014 \u062f\u0641\u0639\u0629 \u0648\u0627\u062d\u062f\u0629\u060c \u0648\u0635\u0648\u0644 \u0641\u0648\u0631\u064a',one_time:'\u062f\u0641\u0639\u0629 \u0648\u0627\u062d\u062f\u0629',feat1:'\u062c\u062f\u0627\u0648\u0644 \u0627\u0633\u062a\u0647\u0644\u0627\u0643 \u0643\u0627\u0645\u0644\u0629',feat2:'\u062c\u062f\u0648\u0644 \u0646\u0645\u0648 \u0627\u0644\u0627\u062f\u062e\u0627\u0631',feat3:'\u062d\u0627\u0633\u0628\u0629 \u0646\u0645\u0648 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631',feat6:'\u062e\u0637\u0629 \u0635\u0646\u062f\u0648\u0642 \u0637\u0648\u0627\u0631\u0626 \u0645\u062e\u0635\u0635\u0629',feat7:'\u0628\u064a\u0627\u0646 \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0645\u0641\u0635\u0644',feat4:'\u0648\u0635\u0648\u0644 \u0641\u0648\u0631\u064a',feat5:'\u062a\u062d\u062f\u064a\u062b\u0627\u062a \u0645\u062c\u0627\u0646\u064a\u0629',pay_note:'\u062f\u0641\u0639 \u0622\u0645\u0646. \u0628\u0637\u0627\u0642\u0627\u062a\u060c Apple Pay \u0648 PayPal.',already_purchased:'\u0627\u0634\u062a\u0631\u064a\u062a \u0645\u0633\u0628\u0642\u0627\u064b\u061f \u0623\u062f\u062e\u0644 \u0627\u0644\u0631\u0645\u0632:',btn_unlock:'\u0641\u062a\u062d',code_error:'\u0631\u0645\u0632 \u063a\u064a\u0631 \u0635\u0627\u0644\u062d.',rec_title:'\u0623\u062f\u0648\u0627\u062a \u0645\u0648\u0635\u0649 \u0628\u0647\u0627',rec_desc:'\u0645\u0646\u062a\u062c\u0627\u062a \u0646\u062b\u0642 \u0628\u0647\u0627',aff_savings:'\u0627\u062f\u062e\u0627\u0631 \u0639\u0627\u0644\u064a \u0627\u0644\u0639\u0627\u0626\u062f',aff_budget:'\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0645\u064a\u0632\u0627\u0646\u064a\u0629',aff_debt:'\u062d\u0644\u0648\u0644 \u062f\u064a\u0648\u0646',lead_title:'\u062f\u0644\u064a\u0644 \u0645\u062c\u0627\u0646\u064a',lead_desc:'\u0627\u0646\u0636\u0645 \u0625\u0644\u0649 5,000+ \u0642\u0627\u0631\u0626.',ph_name:'\u0627\u0644\u0627\u0633\u0645',ph_email:'\u0627\u0644\u0628\u0631\u064a\u062f',btn_free:'\u0645\u062c\u0627\u0646\u0627\u064b',lead_thanks:'\u0634\u0643\u0631\u0627\u064b! \u062a\u062d\u0642\u0642 \u0645\u0646 \u0628\u0631\u064a\u062f\u0643.',footer:'\u0623\u062f\u0648\u0627\u062a \u0645\u062c\u0627\u0646\u064a\u0629 \u0644\u0642\u0631\u0627\u0631\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0623\u0630\u0643\u0649.',disclaimer:'\u0644\u0623\u063a\u0631\u0627\u0636 \u0625\u0639\u0644\u0627\u0645\u064a\u0629 \u0641\u0642\u0637.',mo:'\u0634\u0647\u0631',months_word:'\u0634\u0647\u0631',unlocked_msg:'\u062a\u0645 \u0641\u062a\u062d \u0627\u0644\u0627\u062d\u062a\u0631\u0627\u0641\u064a!',unlocked_thanks:'\u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0645\u062a\u0627\u062d\u0629 \u0627\u0644\u0622\u0646.',projected:'\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0648\u0642\u0639\u0629 \u0641\u064a',years_word:'\u0633\u0646\u0648\u0627\u062a',total_contributed:'\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0633\u0627\u0647\u0645\u0627\u062a',invest_gains:'\u0627\u0644\u0623\u0631\u0628\u0627\u062d',roi:'\u0627\u0644\u0639\u0627\u0626\u062f'}
,consult_title:'\ud83d\udcca \u0647\u0644 \u062a\u062d\u062a\u0627\u062c \u0625\u0631\u0634\u0627\u062f \u0645\u0627\u0644\u064a \u0634\u062e\u0635\u064a\u061f',consult_desc:'\u0627\u062d\u062c\u0632 \u062c\u0644\u0633\u0629 \u0641\u0631\u062f\u064a\u0629 \u0645\u0639 \u062e\u0628\u064a\u0631 \u062a\u062e\u0637\u064a\u0637 \u0645\u0627\u0644\u064a. \u0627\u062d\u0635\u0644 \u0639\u0644\u0649 \u062e\u0637\u0629 \u0645\u062e\u0635\u0635\u0629 \u0644\u0623\u0647\u062f\u0627\u0641\u0643.',consult_btn:'\u0627\u062d\u062c\u0632 \u0627\u0633\u062a\u0634\u0627\u0631\u0629 \u0645\u062c\u0627\u0646\u064a\u0629',consult_note:'\u0645\u0643\u0627\u0644\u0645\u0629 \u062a\u0639\u0627\u0631\u0641\u064a\u0629 30 \u062f\u0642\u064a\u0642\u0629 \u2014 \u0628\u062f\u0648\u0646 \u0627\u0644\u062a\u0632\u0627\u0645',product_title:'\ud83d\udcb0 \u0645\u0627\u0644\u064a \u2014 \u0623\u062f\u0627\u062a\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0630\u0643\u064a\u0629',product_desc:'\u062d\u0627\u0633\u0628\u0629 \u0642\u0631\u0648\u0636\u060c \u0645\u062a\u062a\u0628\u0639 \u0645\u0635\u0627\u0631\u064a\u0641\u060c \u0648\u062a\u062e\u0637\u064a\u0637 \u0645\u0627\u0644\u064a \u0645\u062c\u0627\u0646\u064a \u0628\u0627\u0644\u0643\u0627\u0645\u0644.',product_btn:'\u0627\u0628\u062f\u0623 \u0627\u0644\u0622\u0646',product_note:'\u0628\u062f\u0648\u0646 \u062a\u0633\u062c\u064a\u0644 \u2014 \u0627\u0633\u062a\u062e\u062f\u0645 \u0645\u0628\u0627\u0634\u0631\u0629',affiliate_title:'\u2b50 \u0623\u062f\u0648\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0645\u0648\u0635\u0649 \u0628\u0647\u0627',affiliate_subtitle:'\u0645\u0646\u062a\u062c\u0627\u062a \u0646\u062b\u0642 \u0628\u0647\u0627',aff_savings:'\ud83d\udcb0 \u0627\u062f\u062e\u0627\u0631 \u0639\u0627\u0644\u064a \u0627\u0644\u0639\u0627\u0626\u062f',aff_budget:'\ud83d\udcca \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0645\u064a\u0632\u0627\u0646\u064a\u0629',aff_invest:'\ud83d\udcc8 \u0645\u0646\u0635\u0627\u062a \u0627\u0633\u062a\u062b\u0645\u0627\u0631',aff_debt:'\ud83d\udcb3 \u062d\u0644\u0648\u0644 \u062f\u064a\u0648\u0646'};
let currentLang='ar', isPremium=true;
function detectLanguage(){
const l=(navigator.language||navigator.userLanguage||'en').toLowerCase();
if(l.startsWith('ar'))return'ar'; if(l.startsWith('fr'))return'fr'; return'en';
}
function setCurrency(c){currentCurrency=c;document.getElementById('currency-select').value=c;}
function setLang(lang){
currentLang=lang;
const html=document.documentElement;
html.setAttribute('dir',lang==='ar'?'rtl':'ltr');
html.setAttribute('lang',lang);
document.querySelectorAll('[data-i18n]').forEach(el=>{const k=el.getAttribute('data-i18n');if(T[lang]&&T[lang][k])el.innerHTML=T[lang][k];});
// Cleanup stray nodes from Blogger template duplication
setTimeout(function(){
var pb=document.querySelector('[id^="post-body-"]');
var ktp=document.getElementById('kam-tools-page');
if(!pb||!ktp)return;
// Hide stray elements in post-body (keep script,style,kam-tools-page,language-switcher)
for(var i=pb.childNodes.length-1;i>=0;i--){var n=pb.childNodes[i];if(n===ktp)continue;if(n.nodeType===1&&(n.tagName==='SCRIPT'||n.tagName==='STYLE'))continue;if(n.nodeType===1&&n.className&&n.className.indexOf('language')!==-1)continue;if(n.nodeType===1){n.style.display='none';}}
// Hide text nodes via font-size trick
pb.style.fontSize='0';pb.style.lineHeight='0';
ktp.style.fontSize='16px';ktp.style.lineHeight='1.6';
// Clean post-body-container
var pbc=pb.parentElement;
if(pbc){for(var i=pbc.childNodes.length-1;i>=0;i--){var n=pbc.childNodes[i];if(n===pb)continue;if(n.nodeType===1&&n.tagName!=='SCRIPT'&&n.tagName!=='STYLE'){n.style.display='none';}}pbc.style.fontSize='0';pbc.style.lineHeight='0';pb.style.fontSize='0';}
// Clean post-content container
var pc=pbc?pbc.parentElement:null;
if(pc){for(var i=pc.childNodes.length-1;i>=0;i--){var n=pc.childNodes[i];if(n===pbc)continue;if(n.nodeType===1&&n.tagName!=='SCRIPT'&&n.tagName!=='STYLE'&&!(n.className&&(n.className.indexOf('post-footer')!==-1||n.className.indexOf('post-header')!==-1||n.className.indexOf('post-body')!==-1))){n.style.display='none';}}pc.style.fontSize='0';pc.style.lineHeight='0';pbc.style.fontSize='0';}
},300);
document.querySelectorAll('[data-i18n-opt]').forEach(el=>{const k=el.getAttribute('data-i18n-opt');if(T[lang]&&T[lang][k])el.textContent=T[lang][k];});
document.querySelectorAll('[data-i18n-ph]').forEach(el=>{const k=el.getAttribute('data-i18n-ph');if(T[lang]&&T[lang][k])el.placeholder=T[lang][k];});
document.querySelectorAll('.lang-btn').forEach(b=>b.classList.remove('active'));
document.querySelector('.lang-btn[onclick="setLang(\''+lang+'\')"]').classList.add('active');
setCurrency(LANG_CURRENCY[lang]);
}
setLang('ar');
function checkUrlAccess(){const p=new URLSearchParams(window.location.search);const c=p.get('access');if(c&&VALID_CODES.includes(c.toUpperCase()))unlockPremium();}
function unlockPremium(){
isPremium=true;
document.querySelectorAll('.premium-wall').forEach(w=>w.classList.add('unlocked'));
document.querySelectorAll('.tab-badge').forEach(b=>{b.textContent=currentLang==='ar'?'\u0645\u0641\u062a\u0648\u062d':'UNLOCKED';b.style.background='#10b981';});
const t=T[currentLang];
document.getElementById('pricing').innerHTML='
✓ '+t.unlocked_msg+'
'+t.unlocked_thanks+'
';
}
function scrollToPricing(){document.getElementById('pricing').scrollIntoView({behavior:'smooth',block:'center'});}
checkUrlAccess();
function switchTab(tab,btn){document.querySelectorAll('.kam-tab').forEach(t=>t.classList.remove('active'));document.querySelectorAll('.kam-card').forEach(c=>c.classList.remove('active'));document.getElementById('card-'+tab).classList.add('active');btn.classList.add('active');}
function fmt(n){return CURRENCIES[currentCurrency]+n.toFixed(2).replace(/\B(?=(\d{3})+(?!\d))/g,',');}
function calcLoan(){
const P=+document.getElementById('loan-amount').value,r=+document.getElementById('loan-rate').value/100/12,n=+document.getElementById('loan-term').value*12;
if(!P||!r||!n)return;
const emi=P*r*Math.pow(1+r,n)/(Math.pow(1+r,n)-1),total=emi*n,interest=total-P;
document.getElementById('loan-emi').textContent=fmt(emi);document.getElementById('loan-total').textContent=fmt(total);
document.getElementById('loan-interest').textContent=fmt(interest);document.getElementById('loan-pct').textContent=(interest/P*100).toFixed(1)+'%';
document.getElementById('loan-results').classList.add('show');
let bal=P,html='';for(let i=1;i<=n;i++){const ip=bal*r,pp=emi-ip;bal-=pp;if(bal<0)bal=0;html+='
| '+i+' | '+fmt(emi)+' | '+fmt(pp)+' | '+fmt(ip)+' | '+fmt(bal)+' |
';}
document.getElementById('amort-body').innerHTML=html;
}
function calcSavings(){
const goal=+document.getElementById('sav-goal').value,cur=+document.getElementById('sav-current').value||0,months=+document.getElementById('sav-months').value,ar=+document.getElementById('sav-rate').value/100;
if(!goal||!months)return; const r=ar/12; let mo;
if(r===0)mo=(goal-cur)/months; else{const fv=cur*Math.pow(1+r,months);mo=(goal-fv)*r/(Math.pow(1+r,months)-1);}
if(mo<0)mo=0; const td=cur+(mo*months),ie=goal-td;
document.getElementById('sav-monthly').textContent=fmt(mo);document.getElementById('sav-deposited').textContent=fmt(td);
document.getElementById('sav-earned').textContent=fmt(Math.max(0,ie));document.getElementById('sav-final').textContent=fmt(goal);
document.getElementById('sav-results').classList.add('show');
let bal=cur,html='';for(let i=1;i<=months;i++){const int=bal*r;bal=bal+int+mo;html+='
| '+i+' | '+fmt(mo)+' | '+fmt(int)+' | '+fmt(bal)+' |
';}
document.getElementById('savings-body').innerHTML=html;
}
const BUDGET_METHODS = {
'503020': { splits: [{pct:50,color:'#3b82f6'},{pct:30,color:'#f59e0b'},{pct:20,color:'#10b981'}], nameKey:'bm_503020', descKey:'bm_503020_desc',
labels:{ en:['Needs 50%','Wants 30%','Save 20%'], fr:['Besoins 50%','Envies 30%','Épargne 20%'], ar:['احتياجات 50%','رغبات 30%','ادخار 20%'] },
cats:{ en:['Needs (rent, bills, groceries)','Wants (dining, hobbies, fun)','Savings & Debt'], fr:['Besoins (loyer, factures)','Envies (loisirs)','Épargne & Dettes'], ar:['احتياجات (إيجار، فواتير)','رغبات (ترفيه)','ادخار وديون'] }
},
'702010': { splits: [{pct:70,color:'#3b82f6'},{pct:20,color:'#10b981'},{pct:10,color:'#f59e0b'}], nameKey:'bm_702010', descKey:'bm_702010_desc',
labels:{ en:['Living 70%','Save 20%','Debt/Give 10%'], fr:['Dépenses 70%','Épargne 20%','Dettes 10%'], ar:['معيشة 70%','ادخار 20%','ديون 10%'] },
cats:{ en:['Living Expenses','Savings','Debt & Giving'], fr:['Dépenses courantes','Épargne','Dettes & Dons'], ar:['مصاريف المعيشة','ادخار','ديون وتبرعات'] }
},
'8020': { splits: [{pct:80,color:'#3b82f6'},{pct:20,color:'#10b981'}], nameKey:'bm_8020', descKey:'bm_8020_desc',
labels:{ en:['Everything 80%','Save 20%'], fr:['Tout 80%','Épargne 20%'], ar:['كل شيء 80%','ادخار 20%'] },
cats:{ en:['All Expenses','Savings'], fr:['Toutes dépenses','Épargne'], ar:['جميع المصاريف','ادخار'] }
},
'zero': { splits: [{pct:50,color:'#3b82f6'},{pct:20,color:'#f59e0b'},{pct:15,color:'#10b981'},{pct:15,color:'#8b5cf6'}], nameKey:'bm_zero', descKey:'bm_zero_desc',
labels:{ en:['Needs 50%','Wants 20%','Save 15%','Debt 15%'], fr:['Besoins 50%','Envies 20%','Épargne 15%','Dettes 15%'], ar:['احتياجات 50%','رغبات 20%','ادخار 15%','ديون 15%'] },
cats:{ en:['Essential Needs','Discretionary','Savings Goals','Debt Payments'], fr:['Besoins essentiels','Discrétionnaire','Objectifs épargne','Remboursements'], ar:['احتياجات أساسية','اختيارية','أهداف ادخار','سداد ديون'] }
}
};
function runBudgetQuiz() {
const q1=document.getElementById('bq1').value, q2=document.getElementById('bq2').value, q3=document.getElementById('bq3').value;
const inc=+document.getElementById('budget-income').value;
if(!q1||!q2||!q3||!inc) { alert(currentLang==='ar'?'أجب على جميع الأسئلة':currentLang==='fr'?'Répondez à toutes les questions':'Please answer all questions'); return; }
let method='503020';
if(q2==='minimal'||q1==='good') method='8020';
if(q2==='moderate'&&q3==='balance') method='503020';
if(q1==='tight'||q3==='save') method='702010';
if(q2==='detailed'||q3==='debt'||q1==='debt') method='zero';
applyMethod(method, inc);
}
function applyMethod(methodKey, income) {
const inc = income || +document.getElementById('budget-income').value;
if(!inc) return;
const m = BUDGET_METHODS[methodKey], t = T[currentLang];
document.getElementById('budget-method-name').textContent = t[m.nameKey];
document.getElementById('budget-method-desc').textContent = t[m.descKey];
let breakdownHTML = '';
m.splits.forEach((s,i) => {
const cat = m.cats[currentLang] ? m.cats[currentLang][i] : m.cats['en'][i];
breakdownHTML += '
'+cat+' ('+s.pct+'%)'+fmt(inc*s.pct/100)+'
';
});
document.getElementById('budget-breakdown').innerHTML = breakdownHTML;
let barHTML='', labelHTML='';
m.splits.forEach((s,i) => {
barHTML += '
';
const lbl = m.labels[currentLang] ? m.labels[currentLang][i] : m.labels['en'][i];
labelHTML += '
'+lbl+'';
});
document.getElementById('budget-bar').innerHTML = barHTML;
document.getElementById('budget-bar-labels').innerHTML = labelHTML;
document.querySelectorAll('#all-methods-grid button').forEach(b => { b.style.borderColor='var(--border)'; b.style.background='var(--card)'; b.style.color='var(--text)'; });
const btnMap = {'503020':0,'702010':1,'8020':2,'zero':3};
const activeBtn = document.querySelectorAll('#all-methods-grid button')[btnMap[methodKey]];
if(activeBtn) { activeBtn.style.borderColor='var(--primary)'; activeBtn.style.background='var(--primary-light)'; activeBtn.style.color='var(--primary)'; }
let detailHTML='
| Category | Amount |
|---|
';
const categories=[{name:'Housing',pct:m.splits[0]?.pct*0.7||35},{name:'Food & Groceries',pct:m.splits[0]?.pct*0.3||15},{name:'Utilities',pct:m.splits[0]?.pct*0||10},{name:'Insurance',pct:m.splits[0]?.pct*0||10},{name:'Transportation',pct:m.splits[0]?.pct*0||10},{name:'Entertainment',pct:m.splits[1]?.pct*0.5||15},{name:'Dining Out',pct:m.splits[1]?.pct*0.5||15},{name:'Savings',pct:m.splits[2]?.pct*0.5||10},{name:'Debt Payments',pct:m.splits[2]?.pct*0.5||10}];
categories.forEach(cat=>{const amt=inc*cat.pct/100;detailHTML+='| '+cat.name+' | '+fmt(amt)+' |
';});
detailHTML+='
';
document.getElementById('budget-detail-content').innerHTML=detailHTML;
document.getElementById('budget-results').classList.add('show');
}
function calcDebt(){
const bal=+document.getElementById('debt-balance').value,rate=+document.getElementById('debt-rate').value/100/12,mp=+document.getElementById('debt-min').value,ex=+document.getElementById('debt-extra').value||0;
if(!bal||!rate||!mp)return;
function po(b,r,p){let x=b,m=0,ti=0;while(x>0.01&&m<600){const i=x*r;ti+=i;x=x+i-p;if(x<0)x=0;m++;}return{months:m,totalInt:ti};}
const wm=po(bal,rate,mp),we=po(bal,rate,mp+ex),s=wm.totalInt-we.totalInt,t=T[currentLang];
document.getElementById('debt-months').textContent=we.months+' '+t.mo;
document.getElementById('debt-months-min').textContent=wm.months+' '+t.months_word;
document.getElementById('debt-saved').textContent=fmt(s);document.getElementById('debt-int-extra').textContent=fmt(we.totalInt);
document.getElementById('debt-results').classList.add('show');
}
function calcEmergency(){
const dep=+document.getElementById('emerg-dependents').value,med=+document.getElementById('emerg-medical').value,stab=+document.getElementById('emerg-stability').value;
const rent=+document.getElementById('emerg-rent').value,food=+document.getElementById('emerg-food').value,util=+document.getElementById('emerg-utilities').value,ins=+document.getElementById('emerg-insurance').value,trans=+document.getElementById('emerg-transport').value;
if(!dep||med===''||stab===''||!rent||!food||!util||!ins||!trans)return;
const monthlyExp=rent+food+util+ins+trans;
const fund3m=monthlyExp*3,fund6m=monthlyExp*6,fund12m=monthlyExp*12;
const t=T[currentLang];
document.getElementById('emerg-3mo').textContent=fmt(fund3m);
document.getElementById('emerg-6mo').textContent=fmt(fund6m);
document.getElementById('emerg-12mo').textContent=fmt(fund12m);
const riskScore=(dep*2)+(med*3)+(stab*2);
let recommendedTier='6mo',recommendedAmount=fund6m,explanation='';
if(riskScore<=4)recommendedTier='3mo',recommendedAmount=fund3m;
else if(riskScore>=9)recommendedTier='12mo',recommendedAmount=fund12m;
const savingsTargets=[{tier:'3',amount:fund3m,months:Math.ceil(fund3m/500)},{tier:'6',amount:fund6m,months:Math.ceil(fund6m/500)},{tier:'12',amount:fund12m,months:Math.ceil(fund12m/500)}];
let detailHTML='
'+t.emerg_detail_title+''+(riskScore<=5?'Low':(riskScore<=9?'Medium':'High'))+'
';
detailHTML+='
Recommended Tier'+recommendedTier+' months
';
detailHTML+='
Savings Targets
';
savingsTargets.forEach(st=>{
const monthsNeeded=Math.ceil(st.amount/500);
detailHTML+='
'+st.tier+'-month ('+fmt(st.amount)+')'+monthsNeeded+' mo @ $500
';
});
detailHTML+='
';
document.getElementById('emerg-detail-content').innerHTML=detailHTML;
document.getElementById('emerg-results').classList.add('show');
}
function calcInvest(){
if(!isPremium){scrollToPricing();return;}
const init=+document.getElementById('inv-initial').value,mo=+document.getElementById('inv-monthly').value,rate=+document.getElementById('inv-rate').value/100/12,yrs=+document.getElementById('inv-years').value;
if(!init||!yrs)return;const months=yrs*12;let bal=init;for(let i=0;i
'+fmt(bal)+'
'+t.projected+' '+yrs+' '+t.years_word+'
'+t.total_contributed+''+fmt(tc)+'
'+t.invest_gains+''+fmt(gains)+'
'+t.roi+''+(gains/tc*100).toFixed(1)+'%
';
document.querySelector('#card-invest .premium-blur').appendChild(d);
}
function captureLead(){
const name=document.getElementById('lead-name').value.trim();
const email=document.getElementById('lead-email').value.trim();
if(!name||!email){alert(currentLang==='ar'?'يرجى ملء جميع الحقول':currentLang==='fr'?'Veuillez remplir tous les champs':'Please fill in all fields');return;}
if(!/^[^\s@]+@[^\s@]+\.[^\s@]+$/.test(email)){alert(currentLang==='ar'?'بريد إلكتروني غير صالح':currentLang==='fr'?'Email invalide':'Invalid email');return;}
const btn=document.querySelector('#lead-form button');
const origText=btn.textContent;
btn.textContent=currentLang==='ar'?'جاري الإرسال...':currentLang==='fr'?'Envoi...':'Sending...';
btn.disabled=true;
const SHEET_URL=window.KAM_SHEET_URL||'https://script.google.com/macros/s/AKfycbwsb-QZu8HFJbzwAkHSfT1b7Y4d___K-eKxtYuP7S4xVNfsX3Qv8bqNM7wPWo7hWvD4MA/exec';
const params=new URLSearchParams({name:name,email:email,lang:currentLang,currency:currentCurrency,date:new Date().toISOString()});
fetch(SHEET_URL+'?'+params.toString(),{method:'GET',mode:'no-cors'})
.then(()=>{
document.getElementById('lead-form').style.display='none';
document.getElementById('lead-success').style.display='block';
})
.catch(()=>{
document.getElementById('lead-form').style.display='none';
document.getElementById('lead-success').style.display='block';
})
.finally(()=>{
btn.textContent=origText;
btn.disabled=false;
});
}
XSCRIPTENDX>
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