Credit Score Impact on Budget Calculator

Mortgage Cost Impact

See how different potential interest rates affect your monthly mortgage payments and total interest paid. Enter rates you want to compare.

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Interest Rate Scenarios to Compare
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Auto Loan Cost Impact

Compare potential auto loan interest rates and their effect on your budget.

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Personal Loan Cost Impact

Analyze how different interest rates for a personal loan could change your payments and total interest.

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Credit Card APR Impact

Estimate the monthly interest cost of carrying a balance on a credit card at different APRs.

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APR Scenarios to Compare
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Export Impact Report

Generate a PDF summary of the last calculated loan or credit card impact analysis.

Average Balance Carried: $${dataToExport.inputs.balance.toFixed(2)}

`; } else { pdfHtml += `

Loan Amount: $${dataToExport.inputs.amount.toFixed(2)}

Loan Term: ${dataToExport.inputs.termYears.toFixed(1)} years (${dataToExport.inputs.termMonths} months)

`; } pdfHtml += `

Rates Compared: Scenario A (${dataToExport.inputs.rates.A.toFixed(2)}%), Scenario B (${dataToExport.inputs.rates.B.toFixed(2)}%) ${dataToExport.inputs.rates.C > 0 ? `, Scenario C (${dataToExport.inputs.rates.C.toFixed(2)}%)` : ''}

`; pdfHtml += `

Results Comparison:

`; if (dataToExport.inputs.type === 'Credit Card APR') { pdfHtml += ``; dataToExport.results.forEach(res => { pdfHtml += ``; }); } else { pdfHtml += `
ScenarioEst. Monthly Interest ($)
${res.scenario}${res.monthlyInterest.toFixed(2)}
`; dataToExport.results.forEach(res => { pdfHtml += ``; }); } pdfHtml += `
ScenarioMonthly Payment ($)Total Interest Paid ($)Total Loan Cost ($)
${res.scenario} ${res.monthlyPayment.toFixed(2)} ${res.totalInterest.toFixed(2)} ${res.totalCost.toFixed(2)}
`; if (dataToExport.results.length >= 2 && dataToExport.results[0] && dataToExport.results[1]) { pdfHtml += `

Budget Impact Summary (Scenario A vs. Scenario B):

`; if (dataToExport.inputs.type === 'Credit Card APR') { const diffAB = dataToExport.results[0].monthlyInterest - dataToExport.results[1].monthlyInterest; pdfHtml += `

Scenario A has an estimated monthly interest cost $${Math.abs(diffAB).toFixed(2)} ${diffAB < 0 ? 'lower' : 'higher'} than Scenario B.

`; } else { const paymentDiffAB = dataToExport.results[1].monthlyPayment - dataToExport.results[0].monthlyPayment; const interestDiffAB = dataToExport.results[1].totalInterest - dataToExport.results[0].totalInterest; pdfHtml += `

Scenario A's monthly payment is $${Math.abs(paymentDiffAB).toFixed(2)} ${paymentDiffAB > 0 ? 'lower' : 'higher'}.

`; pdfHtml += `

Choosing Scenario A could ${interestDiffAB > 0 ? 'save' : 'cost an extra'} $${Math.abs(interestDiffAB).toFixed(2)} in total interest.

`; } pdfHtml += `
`; } pdfHtml += `
`; const pdfOutputEl = toolContainer.querySelector('#cibt-pdfOutput'); // Query inside handler if (pdfOutputEl) pdfOutputEl.innerHTML = pdfHtml; const opt = { margin: [0.5, 0.5, 0.5, 0.5], filename: `Credit_Impact_Report_${exportType}_${new Date().toISOString().slice(0,10)}.pdf`, image: { type: 'jpeg', quality: 0.98 }, html2canvas: { scale: 2, useCORS: true, logging: false }, jsPDF: { unit: 'in', format: 'letter', orientation: 'portrait' } }; if (typeof html2pdf !== 'undefined' && pdfOutputEl) { html2pdf().from(pdfOutputEl).set(opt).save() .catch(err => { console.error("PDF generation failed:", err); alert("PDF generation error."); }); } else { alert("PDF library not loaded or PDF output element not found."); } }); } else { console.error("Download PDF button not found."); } // --- Tab Navigation --- const tabs = Array.from(toolContainer.querySelectorAll('.cibt-tabcontent')); const tabLinks = Array.from(toolContainer.querySelectorAll('.cibt-tablink')); let currentTabIndex = 0; if (!tabs.length || !tabLinks.length) { console.error("CRITICAL: Tab content or tab links missing. UI will be broken."); // return; // Optionally halt if tabs are fundamental } window.cibt_openTab = function(evt, tabName) { if (!tabs.length || !tabLinks.length) { return; } // Guard tabs.forEach(tab => { if(tab) tab.style.display = 'none'; }); tabLinks.forEach(link => { if(link) link.classList.remove('active'); }); const activeTabContent = toolContainer.querySelector('#' + tabName); if(activeTabContent) { activeTabContent.style.display = 'block'; } else { console.error(`Tab content for ${tabName} not found. Defaulting to first tab.`); if (tabs.length > 0 && tabs[0]) tabs[0].style.display = 'block'; // Fallback if (tabLinks.length > 0 && tabLinks[0]) tabLinks[0].classList.add('active'); currentTabIndex = 0; cibt_updateNavButtons(); return; } let clickedIndex = -1; if (evt && evt.currentTarget) { evt.currentTarget.classList.add('active'); clickedIndex = tabLinks.indexOf(evt.currentTarget); } else { clickedIndex = tabLinks.findIndex(link => { if (!link) return false; const onclickAttr = link.getAttribute('onclick'); return onclickAttr && onclickAttr.includes(`'${tabName}'`); }); if (clickedIndex !== -1 && tabLinks[clickedIndex]) { tabLinks[clickedIndex].classList.add('active'); } else { // Fallback if findIndex fails (e.g. initial call with mismatch) if (tabLinks.length > 0 && tabLinks[0]) tabLinks[0].classList.add('active'); clickedIndex = 0; } } currentTabIndex = (clickedIndex !== -1 && clickedIndex < tabs.length) ? clickedIndex : 0; cibt_updateNavButtons(); const exportSelectEl = toolContainer.querySelector('#cibt-exportSelect'); if (exportSelectEl) { if (tabName === 'cibt-tabMortgage') exportSelectEl.value = 'mortgage'; else if (tabName === 'cibt-tabAutoLoan') exportSelectEl.value = 'autoLoan'; else if (tabName === 'cibt-tabPersonalLoan') exportSelectEl.value = 'personalLoan'; else if (tabName === 'cibt-tabCreditCard') exportSelectEl.value = 'creditCard'; } } window.cibt_navigateTab = function(direction) { if (!tabs.length || !tabLinks.length) { return; } // Guard let newIndex = currentTabIndex; if (direction === 'next' && currentTabIndex < tabs.length - 1) newIndex++; else if (direction === 'prev' && currentTabIndex > 0) newIndex--; if (tabLinks[newIndex] && newIndex !== currentTabIndex) tabLinks[newIndex].click(); } function cibt_updateNavButtons() { const prevBtnEl = toolContainer.querySelector('#cibt-prevButton'); const nextBtnEl = toolContainer.querySelector('#cibt-nextButton'); if(prevBtnEl) prevBtnEl.disabled = currentTabIndex === 0; if(nextBtnEl && tabs) nextBtnEl.disabled = currentTabIndex >= tabs.length - 1; } // --- Initialization --- function initializeTool() { const autoTermEl = toolContainer.querySelector('#cibt-autoLoanTermMonths'); if (autoTermEl) autoTermEl.value = "60"; else console.warn("Element #cibt-autoLoanTermMonths not found during init."); if (tabs.length > 0 && tabLinks.length > 0) { // Only open tab if elements exist cibt_openTab(null, 'cibt-tabMortgage'); } else { console.error("Cannot initialize tabs - tab or link elements are missing."); } } let attempts = 0; function checkLibrariesAndInit_cibt() { if (typeof html2pdf !== 'undefined') { initializeTool(); } else if (attempts < 20) { attempts++; setTimeout(checkLibrariesAndInit_cibt, 100); } else { console.warn("Warning: PDF generation library (html2pdf.js) could not be loaded. PDF export will not work."); // alert("Warning: PDF generation library could not be loaded. PDF export will not work."); initializeTool(); } } checkLibrariesAndInit_cibt(); })();
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