{"id":400,"date":"2026-07-19T22:03:48","date_gmt":"2026-07-19T20:03:48","guid":{"rendered":"https:\/\/jacekhoroszko.com\/?page_id=400"},"modified":"2026-07-19T23:15:59","modified_gmt":"2026-07-19T21:15:59","slug":"kalkulator-zycie-z-odsetek","status":"publish","type":"page","link":"http:\/\/jacekhoroszko.com\/index.php\/kalkulator-zycie-z-odsetek\/","title":{"rendered":"Kalkulator \u017bycie z Odsetek"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"400\" class=\"elementor elementor-400\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f49f818 e-con-full e-flex e-con e-parent\" data-id=\"f49f818\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67372ff elementor-widget elementor-widget-html\" data-id=\"67372ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- ============================================================\n     Kalkulator \u017bycie z Odsetek \u2014 Jacek Horoszko Investment Partner\n     Wklej CA\u0141\u0104 zawarto\u015b\u0107 tego pliku do bloku \"Niestandardowy HTML\"\n     (Custom HTML) w edytorze WordPress.\n     ============================================================ -->\n<div id=\"jhip-odsetki-calculator\">\n  <div class=\"jhip-oz-header\">\n    <h2>\u017bycie z Odsetek<\/h2>\n    <p>Jaki kapita\u0142 musisz zgromadzi\u0107, aby do ko\u0144ca \u017cycia \u017cy\u0107 wy\u0142\u0105cznie z odsetek?<\/p>\n  <\/div>\n\n  <div class=\"eme-form-card\">\n    <div class=\"su-section-label\" style=\"margin-top:0\">Parametry<\/div>\n    <div class=\"eme-form-grid\">\n      <div class=\"su-field\">\n        <span class=\"su-field-label\">Miesi\u0119czna wyp\u0142ata<\/span>\n        <div class=\"su-money-wrap\"><input id=\"oz-kwota\" class=\"su-money-input\" type=\"number\" min=\"0\" value=\"5000\"><span class=\"su-money-suffix\">PLN<\/span><\/div>\n      <\/div>\n      <div class=\"su-field\">\n        <span class=\"su-field-label\">Oprocentowanie (%\/rok)<\/span>\n        <input id=\"oz-oproc\" class=\"su-text-input\" type=\"number\" min=\"0\" step=\"0.1\" value=\"7\">\n      <\/div>\n    <\/div>\n    <div class=\"eme-checkbox-row\">\n      <label><input type=\"checkbox\" id=\"oz-podatek\"> Uwzgl\u0119dnij podatek Belki (19%)<\/label>\n    <\/div>\n    <div id=\"oz-error\" class=\"ik-limit-note\" style=\"color:#F3A3AC;margin-top:8px;display:none\"><\/div>\n    <div style=\"text-align:right;margin-top:16px\">\n      <button class=\"tool-btn\" onclick=\"JhipOdsetki.oblicz()\">Oblicz wynik \u2192<\/button>\n    <\/div>\n  <\/div>\n\n  <div id=\"oz-results\" style=\"display:none\">\n    <div class=\"ik-payout-hero\">\n      <div class=\"ik-payout-hero-label\">\ud83d\udcb0 Potrzebny kapita\u0142<\/div>\n      <div class=\"ik-payout-hero-val\" id=\"oz-out-kapital\">\u2014<\/div>\n      <div class=\"ik-payout-hero-row\">\n        <span id=\"oz-out-summary\"><\/span>\n      <\/div>\n    <\/div>\n    <div class=\"eme-result-cards\">\n      <div class=\"eme-result-card\" style=\"border-top-color:var(--gold)\">\n        <div class=\"eme-result-label\">Roczne odsetki (brutto)<\/div>\n        <div class=\"eme-result-val\" id=\"oz-out-brutto\">\u2014<\/div>\n        <div class=\"eme-result-sub\">przed opodatkowaniem<\/div>\n      <\/div>\n      <div class=\"eme-result-card\" style=\"border-top-color:var(--red)\">\n        <div class=\"eme-result-label\">Podatek Belki (rocznie)<\/div>\n        <div class=\"eme-result-val\" id=\"oz-out-podatek\">\u2014<\/div>\n        <div class=\"eme-result-sub\">19% od zysku kapita\u0142owego<\/div>\n      <\/div>\n      <div class=\"eme-result-card\" style=\"border-top-color:var(--growth)\">\n        <div class=\"eme-result-label\">Doch\u00f3d netto (miesi\u0119cznie)<\/div>\n        <div class=\"eme-result-val\" id=\"oz-out-netto\">\u2014<\/div>\n        <div class=\"eme-result-sub\">po opodatkowaniu, do dyspozycji<\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"kap-actionbar\">\n      <button class=\"kap-btn-genpdf\" onclick=\"JhipOdsetki.openEmailForm()\">\u2709 Wy\u015blij na e-mail<\/button>\n    <\/div>\n    <div id=\"oz-email-panel\" style=\"display:none;background:var(--surface);border:1px solid var(--border-soft);border-radius:10px;padding:14px 16px;margin-bottom:14px\">\n      <div style=\"display:flex;gap:8px;flex-wrap:wrap;align-items:center\">\n        <input id=\"oz-email-name\" type=\"text\" class=\"su-text-input\" placeholder=\"Imi\u0119\" style=\"max-width:160px\" onkeydown=\"if(event.key==='Enter'){JhipOdsetki.sendResultEmail()}\">\n        <input id=\"oz-email-phone\" type=\"tel\" class=\"su-text-input\" placeholder=\"Telefon\" style=\"max-width:160px\" onkeydown=\"if(event.key==='Enter'){JhipOdsetki.sendResultEmail()}\">\n        <input id=\"oz-email-input\" type=\"email\" class=\"su-text-input\" placeholder=\"twoj@email.pl\" style=\"max-width:220px\" onkeydown=\"if(event.key==='Enter'){JhipOdsetki.sendResultEmail()}\">\n        <button id=\"oz-email-send-btn\" class=\"tool-btn\" onclick=\"JhipOdsetki.sendResultEmail()\">Wy\u015blij<\/button>\n        <button class=\"tool-btn\" style=\"background:transparent;color:var(--muted);border:1px solid var(--border)\" onclick=\"JhipOdsetki.closeEmailForm()\">Anuluj<\/button>\n      <\/div>\n      <div id=\"oz-email-status\" style=\"font-size:11px;margin-top:8px\"><\/div>\n    <\/div>\n\n    <div class=\"ik-limit-note\" style=\"margin-top:4px\">Wyliczenie ma charakter pogl\u0105dowy i nie stanowi porady inwestycyjnej ani podatkowej. Zak\u0142ada sta\u0142\u0105, niezmienn\u0105 w czasie stop\u0119 zwrotu oraz utrzymanie kapita\u0142u nienaruszonego (wyp\u0142acane s\u0105 wy\u0142\u0105cznie odsetki).<\/div>\n  <\/div>\n<\/div>\n\n<style>\n  #jhip-odsetki-calculator, #jhip-odsetki-calculator *, #jhip-odsetki-calculator *::before, #jhip-odsetki-calculator *::after {\n    box-sizing: border-box;\n  }\n  #jhip-odsetki-calculator {\n    --navy:#0F152E; --surface:#1A2442; --surface2:#222E54; --gold:#D3AF37; --red:#A11927; --white:#fff;\n    --text:#F4F5F9; --muted:#9AA6C4; --border:rgba(255,255,255,0.14); --border-soft:rgba(255,255,255,0.08);\n    --growth:#3FBF9F;\n    --shadow:0 8px 24px rgba(0,0,0,0.35);\n    font-family: system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;\n    font-size: 13px; line-height: 1.4; color: var(--text);\n    max-width: 780px; margin: 0 auto;\n    background: var(--navy); border: 1px solid var(--border-soft); border-radius: 18px;\n    padding: 22px 24px 26px; box-shadow: var(--shadow);\n  }\n  #jhip-odsetki-calculator button { font-family: inherit; }\n  #jhip-odsetki-calculator .jhip-oz-header { margin-bottom: 16px; }\n  #jhip-odsetki-calculator .jhip-oz-header h2 { font-size: 21px; font-weight: 700; font-family: Georgia,serif; color: #fff; margin: 0 0 4px; }\n  #jhip-odsetki-calculator .jhip-oz-header p { font-size: 12px; color: var(--muted); margin: 0; }\n\n  #jhip-odsetki-calculator .su-section-label { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.09em; color: var(--muted); margin: 20px 0 10px; }\n  #jhip-odsetki-calculator .su-section-label:first-of-type { margin-top: 0; }\n  #jhip-odsetki-calculator .su-field { margin-bottom: 9px; min-width: 0; }\n  #jhip-odsetki-calculator .su-field-label { display: block; font-size: 9px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.07em; color: var(--muted); margin-bottom: 4px; }\n  #jhip-odsetki-calculator .su-text-input { width: 100%; padding: 9px 11px; border: 1.5px solid var(--border); border-radius: 8px; font-size: 13px; color: var(--text); background: var(--surface2); font-family: inherit; outline: none; }\n  #jhip-odsetki-calculator .su-text-input:focus { border-color: var(--gold); }\n  #jhip-odsetki-calculator .su-money-wrap { position: relative; }\n  #jhip-odsetki-calculator .su-money-input { width: 100%; padding: 8px 32px 8px 10px; border: 1.5px solid var(--border); border-radius: 8px; font-size: 13px; color: var(--text); background: var(--surface2); font-family: inherit; outline: none; }\n  #jhip-odsetki-calculator .su-money-input:focus { border-color: var(--gold); }\n  #jhip-odsetki-calculator .su-money-suffix { position: absolute; right: 10px; top: 50%; transform: translateY(-50%); font-size: 10px; color: var(--muted); pointer-events: none; }\n  #jhip-odsetki-calculator .eme-form-card { background: var(--surface); border-radius: 12px; border: 1px solid var(--border-soft); padding: 18px 20px; margin-bottom: 14px; }\n  #jhip-odsetki-calculator .eme-form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px 16px; }\n  #jhip-odsetki-calculator .eme-checkbox-row { display: flex; align-items: center; gap: 8px; margin-top: 10px; padding-top: 10px; border-top: 1px dashed var(--border); }\n  #jhip-odsetki-calculator .eme-checkbox-row label { display: flex; align-items: center; gap: 8px; font-size: 12px; color: var(--text); font-weight: 600; cursor: pointer; }\n  #jhip-odsetki-calculator .tool-btn { padding: 9px 18px; border-radius: 20px; border: none; background: var(--gold); color: var(--navy); font-size: 12px; font-weight: 700; cursor: pointer; }\n  #jhip-odsetki-calculator .tool-btn:hover { opacity: 0.86; }\n  #jhip-odsetki-calculator .kap-actionbar { display: flex; gap: 8px; margin-bottom: 16px; flex-wrap: wrap; align-items: center; }\n  #jhip-odsetki-calculator .kap-btn-genpdf { background: var(--gold); border: none; border-radius: 8px; padding: 8px 18px; font-size: 13px; font-weight: 700; color: var(--navy); cursor: pointer; }\n  #jhip-odsetki-calculator .ik-limit-note { font-size: 11px; color: var(--muted); margin-top: 4px; }\n  #jhip-odsetki-calculator .ik-limit-note strong { color: #fff; }\n  #jhip-odsetki-calculator .ik-payout-hero { background: var(--surface2); border-radius: 14px; border-top: 4px solid var(--gold); padding: 24px 28px; margin-bottom: 18px; color: #fff; }\n  #jhip-odsetki-calculator .ik-payout-hero-label { font-size: 13px; color: rgba(255,255,255,0.7); font-weight: 600; margin-bottom: 6px; }\n  #jhip-odsetki-calculator .ik-payout-hero-val { font-size: 40px; font-weight: 900; letter-spacing: -0.02em; line-height: 1.1; }\n  #jhip-odsetki-calculator .ik-payout-hero-row { display: flex; gap: 24px; flex-wrap: wrap; margin-top: 14px; font-size: 12px; color: rgba(255,255,255,0.75); }\n  #jhip-odsetki-calculator .eme-result-cards { display: grid; grid-template-columns: repeat(auto-fit,minmax(190px,1fr)); gap: 12px; margin-bottom: 18px; }\n  #jhip-odsetki-calculator .eme-result-card { background: var(--surface); border-radius: 12px; border: 1px solid var(--border-soft); border-top: 4px solid; padding: 14px 16px; }\n  #jhip-odsetki-calculator .eme-result-label { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); margin-bottom: 6px; }\n  #jhip-odsetki-calculator .eme-result-val { font-size: 20px; font-weight: 900; color: #fff; }\n  #jhip-odsetki-calculator .eme-result-sub { font-size: 11px; color: var(--muted); margin-top: 4px; }\n\n  @media (max-width: 560px) {\n    #jhip-odsetki-calculator { padding: 16px; }\n    #jhip-odsetki-calculator .eme-form-grid { grid-template-columns: 1fr; }\n    #jhip-odsetki-calculator .ik-payout-hero-val { font-size: 30px; }\n  }\n<\/style>\n\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/@emailjs\/browser@4\/dist\/email.min.js\"><\/script>\n<script>\n(function () {\n  const esc = s => String(s).replace(\/&\/g, '&amp;').replace(\/<\/g, '&lt;').replace(\/>\/g, '&gt;');\n  const fmtPLN = v => new Intl.NumberFormat('pl-PL', { style: 'currency', currency: 'PLN', maximumFractionDigits: 0 }).format(Math.round(v || 0));\n\n  \/\/ \u2500\u2500 EmailJS (to samo konto\/szablon co pozosta\u0142e kalkulatory) \u2500\u2500\n  const EMAILJS_PUBLIC_KEY  = 'lKDuaTSIkMgu12jLj';\n  const EMAILJS_SERVICE_ID  = 'service_cs1bt29';\n  const EMAILJS_TEMPLATE_ID = 'template_06apygu';\n  const OZ_LOGO_URL  = 'https:\/\/jacekhoroszko.com\/wp-content\/uploads\/2026\/07\/logo-email.png';\n  const OZ_PHOTO_URL = 'https:\/\/jacekhoroszko.com\/wp-content\/uploads\/2026\/07\/photo-email.jpg';\n  const JHIP_LEAD_EMAIL = 'jacek.horoszko@phinance.pl';\n\n  let lastResult = null;\n\n  function calc() {\n    const kwota = parseFloat(document.getElementById('oz-kwota').value);\n    const oproc = parseFloat(document.getElementById('oz-oproc').value);\n    const podatek = document.getElementById('oz-podatek').checked;\n    const errEl = document.getElementById('oz-error');\n    if (!kwota || kwota <= 0 || isNaN(kwota)) { errEl.textContent = 'Podaj poprawn\u0105 miesi\u0119czn\u0105 wyp\u0142at\u0119.'; errEl.style.display = 'block'; return null; }\n    if (!oproc || oproc <= 0 || isNaN(oproc)) { errEl.textContent = 'Podaj poprawne oprocentowanie.'; errEl.style.display = 'block'; return null; }\n    errEl.style.display = 'none';\n    const rate = oproc \/ 100 * (podatek ? 0.81 : 1);\n    const kapital = (kwota * 12) \/ rate;\n    const bruttoRoczne = kapital * (oproc \/ 100);\n    const podatekRoczny = podatek ? bruttoRoczne * 0.19 : 0;\n    const nettoMiesiecznie = (bruttoRoczne - podatekRoczny) \/ 12;\n    return { kwota, oproc, podatek, kapital, bruttoRoczne, podatekRoczny, nettoMiesiecznie };\n  }\n\n  function oblicz() {\n    const r = calc();\n    if (!r) { document.getElementById('oz-results').style.display = 'none'; return; }\n    lastResult = r;\n    document.getElementById('oz-out-kapital').textContent = fmtPLN(r.kapital);\n    document.getElementById('oz-out-summary').innerHTML = `Przy oprocentowaniu <strong>${r.oproc}%<\/strong>${r.podatek ? ' (po uwzgl\u0119dnieniu podatku Belki)' : ''} ten kapita\u0142 wyp\u0142aca <strong>${fmtPLN(r.kwota)}<\/strong> miesi\u0119cznie bez naruszania kapita\u0142u.`;\n    document.getElementById('oz-out-brutto').textContent = fmtPLN(r.bruttoRoczne);\n    document.getElementById('oz-out-podatek').textContent = fmtPLN(r.podatekRoczny);\n    document.getElementById('oz-out-netto').textContent = fmtPLN(r.nettoMiesiecznie);\n    document.getElementById('oz-results').style.display = 'block';\n  }\n\n  \/\/ \u2500\u2500 E-mail \u2500\u2500\n  function emailjsReady() {\n    return typeof window.emailjs !== 'undefined' && EMAILJS_PUBLIC_KEY.indexOf('TWOJ_') !== 0;\n  }\n  function buildEmailHTML(r) {\n    const date = new Date().toLocaleDateString('pl-PL', { day: 'numeric', month: 'long', year: 'numeric' });\n    const row = (label, val, color) => `<tr><td bgcolor=\"#ffffff\" style=\"background-color:#ffffff;padding:7px 0;border-bottom:1px solid #EEEEEE;color:#6B7280;font-size:13px\">${label}<\/td><td bgcolor=\"#ffffff\" style=\"background-color:#ffffff;padding:7px 0;border-bottom:1px solid #EEEEEE;text-align:right;font-weight:700;font-size:13px;color:${color || '#0F152E'}\">${val}<\/td><\/tr>`;\n    const rows = row('Miesi\u0119czna wyp\u0142ata (cel)', fmtPLN(r.kwota))\n      + row('Oprocentowanie', `${r.oproc}%`)\n      + row('Podatek Belki uwzgl\u0119dniony', r.podatek ? 'Tak' : 'Nie')\n      + row('Potrzebny kapita\u0142', fmtPLN(r.kapital), '#D3AF37')\n      + row('Roczne odsetki brutto', fmtPLN(r.bruttoRoczne))\n      + row('Podatek Belki (rocznie)', fmtPLN(r.podatekRoczny), '#A11927')\n      + row('Doch\u00f3d netto (miesi\u0119cznie)', fmtPLN(r.nettoMiesiecznie));\n    return `<div style=\"font-family:Arial,Helvetica,sans-serif;max-width:600px;margin:0 auto;background:#ffffff\">\n      <table role=\"presentation\" width=\"100%\" cellpadding=\"0\" cellspacing=\"0\" style=\"background:#0F152E;border-radius:10px 10px 0 0\">\n        <tr>\n          <td style=\"padding:20px 12px 20px 26px;width:56px\" valign=\"middle\"><img decoding=\"async\" src=\"${OZ_LOGO_URL}\" width=\"44\" alt=\"\" style=\"display:block;width:44px;height:auto\"><\/td>\n          <td style=\"padding:22px 26px 22px 0\" valign=\"middle\">\n            <div style=\"color:#9AA6C4;font-size:10px;letter-spacing:.09em;text-transform:uppercase;margin-bottom:4px\">Jacek Horoszko Investment Partner<\/div>\n            <div style=\"color:#ffffff;font-size:20px;font-weight:700\">Analiza: \u017bycie z odsetek<\/div>\n            <div style=\"color:#9AA6C4;font-size:11px;margin-top:4px\">Sporz\u0105dzono: ${date}<\/div>\n          <\/td>\n        <\/tr>\n      <\/table>\n      <div bgcolor=\"#ffffff\" style=\"background-color:#ffffff;border:1px solid #E5E7EB;border-top:none;border-radius:0 0 10px 10px;padding:22px 26px\">\n        <table bgcolor=\"#ffffff\" style=\"width:100%;border-collapse:collapse;background-color:#ffffff\">${rows}<\/table>\n        <div bgcolor=\"#ffffff\" style=\"background-color:#ffffff;margin-top:20px;font-size:10px;color:#9CA3AF;line-height:1.6\">Wyliczenie sporz\u0105dzone przy u\u017cyciu Kalkulatora \u017bycie z Odsetek Jacek Horoszko Investment Partner. Dane maj\u0105 charakter pogl\u0105dowy i nie stanowi\u0105 porady inwestycyjnej ani podatkowej.<\/div>\n        <table role=\"presentation\" bgcolor=\"#ffffff\" cellpadding=\"0\" cellspacing=\"0\" style=\"margin-top:16px;padding-top:14px;border-top:1px solid #E5E7EB;width:100%;background-color:#ffffff\">\n          <tr>\n            <td bgcolor=\"#ffffff\" style=\"background-color:#ffffff;width:56px\" valign=\"top\"><img decoding=\"async\" src=\"${OZ_PHOTO_URL}\" width=\"48\" alt=\"\" style=\"display:block;width:48px;height:auto;border-radius:8px\"><\/td>\n            <td bgcolor=\"#ffffff\" style=\"background-color:#ffffff\" valign=\"top\">\n              <div style=\"color:#0F152E;font-size:13px;font-weight:700\">Jacek Horoszko<\/div>\n              <div style=\"color:#9CA3AF;font-size:11px\">Investment Partner \u00b7 www.jacekhoroszko.pl<\/div>\n              <div style=\"color:#9CA3AF;font-size:11px\">694 526 704 \u00b7 jacek.horoszko@phinance.pl<\/div>\n            <\/td>\n          <\/tr>\n        <\/table>\n      <\/div>\n    <\/div>`;\n  }\n  function buildLeadEmailHTML(r, lead) {\n    const row = (label, val) => `<tr><td bgcolor=\"#ffffff\" style=\"background-color:#ffffff;padding:7px 0;border-bottom:1px solid #EEEEEE;color:#6B7280;font-size:13px\">${label}<\/td><td bgcolor=\"#ffffff\" style=\"background-color:#ffffff;padding:7px 0;border-bottom:1px solid #EEEEEE;text-align:right;font-weight:700;font-size:13px;color:#0F152E\">${val}<\/td><\/tr>`;\n    const rows = row('Imi\u0119', esc(lead.imie))\n      + row('E-mail', esc(lead.email))\n      + row('Telefon', esc(lead.telefon))\n      + row('Miesi\u0119czna wyp\u0142ata (cel)', fmtPLN(r.kwota))\n      + row('Potrzebny kapita\u0142', fmtPLN(r.kapital));\n    return `<div style=\"font-family:Arial,Helvetica,sans-serif;max-width:600px;margin:0 auto;background:#ffffff\">\n      <div style=\"background:#0F152E;padding:18px 24px;border-radius:10px 10px 0 0\">\n        <div style=\"color:#9AA6C4;font-size:10px;letter-spacing:.09em;text-transform:uppercase\">Kalkulator \u017bycie z Odsetek \u2014 jacekhoroszko.com<\/div>\n        <div style=\"color:#ffffff;font-size:18px;font-weight:700;margin-top:4px\">Nowe zg\u0142oszenie od klienta<\/div>\n      <\/div>\n      <div bgcolor=\"#ffffff\" style=\"background-color:#ffffff;border:1px solid #E5E7EB;border-top:none;border-radius:0 0 10px 10px;padding:20px 24px\">\n        <table bgcolor=\"#ffffff\" style=\"width:100%;border-collapse:collapse;background-color:#ffffff\">${rows}<\/table>\n      <\/div>\n    <\/div>`;\n  }\n  function openEmailForm() { document.getElementById('oz-email-panel').style.display = 'block'; }\n  function closeEmailForm() { document.getElementById('oz-email-panel').style.display = 'none'; }\n\n  function sendResultEmail() {\n    const imie = document.getElementById('oz-email-name').value.trim();\n    const telefon = document.getElementById('oz-email-phone').value.trim();\n    const email = document.getElementById('oz-email-input').value.trim();\n    const statusEl = document.getElementById('oz-email-status');\n    const btn = document.getElementById('oz-email-send-btn');\n    const emailRe = \/^[^\\s@]+@[^\\s@]+\\.[^\\s@]+$\/;\n    const phoneRe = \/^[0-9+()\\s-]{6,20}$\/;\n    if (!imie) { statusEl.textContent = 'Podaj imi\u0119.'; statusEl.style.color = '#F3A3AC'; return; }\n    if (!phoneRe.test(telefon)) { statusEl.textContent = 'Podaj poprawny numer telefonu.'; statusEl.style.color = '#F3A3AC'; return; }\n    if (!emailRe.test(email)) { statusEl.textContent = 'Podaj poprawny adres e-mail.'; statusEl.style.color = '#F3A3AC'; return; }\n    if (!lastResult) { statusEl.textContent = 'Najpierw kliknij \"Oblicz wynik\".'; statusEl.style.color = '#F3A3AC'; return; }\n    if (!emailjsReady()) { statusEl.textContent = 'Wysy\u0142ka e-mail nie jest jeszcze skonfigurowana.'; statusEl.style.color = '#F3A3AC'; return; }\n    btn.disabled = true; btn.textContent = 'Wysy\u0142anie\u2026'; statusEl.textContent = '';\n    const clientSend = emailjs.send(EMAILJS_SERVICE_ID, EMAILJS_TEMPLATE_ID, {\n      to_email: email,\n      subject: `${imie}, oto Twoja analiza \u201e\u017bycie z odsetek\u201d \u2014 Jacek Horoszko Investment Partner`,\n      summary_html: buildEmailHTML(lastResult),\n    }, { publicKey: EMAILJS_PUBLIC_KEY });\n    const leadSend = emailjs.send(EMAILJS_SERVICE_ID, EMAILJS_TEMPLATE_ID, {\n      to_email: JHIP_LEAD_EMAIL,\n      subject: `Nowe zg\u0142oszenie z kalkulatora \u017bycie z odsetek \u2014 ${imie}`,\n      summary_html: buildLeadEmailHTML(lastResult, { imie, telefon, email }),\n    }, { publicKey: EMAILJS_PUBLIC_KEY });\n    Promise.all([clientSend, leadSend]).then(function () {\n      statusEl.textContent = '\u2713 Wys\u0142ano! Sprawd\u017a skrzynk\u0119 ' + esc(email) + '.';\n      statusEl.style.color = '#8FD19E'; btn.disabled = false; btn.textContent = 'Wy\u015blij';\n    }, function (err) {\n      statusEl.textContent = 'Nie uda\u0142o si\u0119 wys\u0142a\u0107. Spr\u00f3buj ponownie.';\n      statusEl.style.color = '#F3A3AC'; btn.disabled = false; btn.textContent = 'Wy\u015blij';\n      console.error('EmailJS error:', err);\n    });\n  }\n\n  window.JhipOdsetki = { oblicz, openEmailForm, closeEmailForm, sendResultEmail };\n})();\n<\/script>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5a80be elementor-widget elementor-widget-spacer\" data-id=\"c5a80be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u017bycie z Odsetek Jaki kapita\u0142 musisz zgromadzi\u0107, aby do ko\u0144ca \u017cycia \u017cy\u0107 wy\u0142\u0105cznie z odsetek? Parametry Miesi\u0119czna wyp\u0142ata PLN Oprocentowanie (%\/rok) Uwzgl\u0119dnij podatek Belki (19%) Oblicz wynik \u2192 \ud83d\udcb0 Potrzebny kapita\u0142 \u2014 Roczne odsetki (brutto) \u2014 przed opodatkowaniem Podatek Belki (rocznie) \u2014 19% od zysku kapita\u0142owego Doch\u00f3d netto (miesi\u0119cznie) \u2014 po opodatkowaniu, do dyspozycji \u2709 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-400","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"http:\/\/jacekhoroszko.com\/index.php\/wp-json\/wp\/v2\/pages\/400","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/jacekhoroszko.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/jacekhoroszko.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/jacekhoroszko.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/jacekhoroszko.com\/index.php\/wp-json\/wp\/v2\/comments?post=400"}],"version-history":[{"count":9,"href":"http:\/\/jacekhoroszko.com\/index.php\/wp-json\/wp\/v2\/pages\/400\/revisions"}],"predecessor-version":[{"id":486,"href":"http:\/\/jacekhoroszko.com\/index.php\/wp-json\/wp\/v2\/pages\/400\/revisions\/486"}],"wp:attachment":[{"href":"http:\/\/jacekhoroszko.com\/index.php\/wp-json\/wp\/v2\/media?parent=400"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}