<svg width="400" height="400" viewBox="0 0 400 400" xmlns="http://www.w3.org/2000/svg">
  <rect width="400" height="400" fill="#f3f4f6"/>

  <!-- Investment icon -->
  <g transform="translate(80, 50)">
    <circle cx="60" cy="60" r="50" fill="#3b82f6"/>
    <text x="60" y="75" text-anchor="middle" font-family="system-ui" font-size="32" fill="white" font-weight="bold">$</text>
  </g>

  <!-- Timeline -->
  <g transform="translate(200, 70)">
    <line x1="0" y1="40" x2="140" y2="40" stroke="#9ca3af" stroke-width="3"/>
    <circle cx="0" cy="40" r="8" fill="#ef4444"/>
    <circle cx="70" cy="40" r="8" fill="#f59e0b"/>
    <circle cx="140" cy="40" r="8" fill="#10b981"/>

    <text x="0" y="62" text-anchor="middle" font-family="system-ui" font-size="10" fill="#6b7280">Start</text>
    <text x="70" y="62" text-anchor="middle" font-family="system-ui" font-size="10" fill="#6b7280">Break-even</text>
    <text x="140" y="62" text-anchor="middle" font-family="system-ui" font-size="10" fill="#6b7280">Profit</text>
  </g>

  <!-- Cash flow chart -->
  <g transform="translate(60, 150)">
    <line x1="0" y1="80" x2="280" y2="80" stroke="#9ca3af" stroke-width="2"/>
    <line x1="0" y1="0" x2="0" y2="160" stroke="#9ca3af" stroke-width="2"/>

    <!-- Negative period (red) -->
    <rect x="10" y="80" width="30" height="40" fill="#ef4444"/>
    <rect x="50" y="80" width="30" height="40" fill="#ef4444"/>
    <rect x="90" y="80" width="30" height="30" fill="#ef4444"/>

    <!-- Break-even month (orange) -->
    <rect x="130" y="70" width="30" height="10" fill="#f59e0b"/>
    <rect x="130" y="80" width="30" height="10" fill="#10b981"/>

    <!-- Positive period (green) -->
    <rect x="170" y="60" width="30" height="20" fill="#10b981"/>
    <rect x="210" y="50" width="30" height="30" fill="#10b981"/>
    <rect x="250" y="40" width="30" height="40" fill="#10b981"/>

    <!-- Zero line label -->
    <text x="-5" y="85" text-anchor="end" font-family="system-ui" font-size="10" fill="#6b7280">$0</text>
  </g>

  <!-- Result -->
  <g transform="translate(80, 320)">
    <rect x="0" y="0" width="240" height="60" rx="10" fill="#10b981"/>
    <text x="120" y="25" text-anchor="middle" font-family="system-ui" font-size="14" fill="white">Payback Period</text>
    <text x="120" y="48" text-anchor="middle" font-family="system-ui" font-size="24" fill="white" font-weight="bold">12 months</text>
  </g>

  <text x="200" y="395" text-anchor="middle" font-family="system-ui" font-size="16" font-weight="600" fill="#1f2937">Payback Period Calculator</text>
</svg>
