Monthly Savings: $${monthlySavings.toFixed(2)}

Annual Savings: $${annualSavings.toFixed(2)}

Current Savings Rate: ${savingsRate.toFixed(2)}%

`; return { monthlySavings, annualSavings, savingsRate, totalMonthlyIncome, totalMonthlyExpenses }; } // --- Optimization (Tab 3) --- function asro_populateOptimizationArea() { const area = document.getElementById('asroOptimizationArea'); area.innerHTML = ''; let contentHTML = ''; if (asro_incomeSources.length > 0) { contentHTML += ``; } if (asro_expenseCategories.length > 0) { contentHTML += ``; } if (!contentHTML) { area.innerHTML = '

Add income and expenses in previous tabs to start optimizing.

'; } else { area.innerHTML = contentHTML; } asro_recalculateOptimizedScenario(); // Initial calculation for this tab } function asro_updateAdjustedValue(type, id, value) { const list = type === 'income' ? asro_incomeSources : asro_expenseCategories; const item = list.find(i => i.id === id); if (item) { item.adjustedAmount = parseFloat(value) >= 0 ? parseFloat(value) : 0; // Ensure original input field reflects this if it was an invalid entry (e.g. negative) event.target.value = item.adjustedAmount.toFixed(2); } asro_recalculateOptimizedScenario(); } function asro_recalculateOptimizedScenario() { const totalAdjustedMonthlyIncome = asro_incomeSources.reduce((sum, src) => sum + src.adjustedAmount, 0); const totalAdjustedMonthlyExpenses = asro_expenseCategories.reduce((sum, cat) => sum + cat.adjustedAmount, 0); const newMonthlySavings = totalAdjustedMonthlyIncome - totalAdjustedMonthlyExpenses; const newAnnualSavings = newMonthlySavings * 12; const newSavingsRate = totalAdjustedMonthlyIncome > 0 ? (newMonthlySavings / totalAdjustedMonthlyIncome * 100) : 0; const currentSavingsData = asro_calculateAndDisplayCurrentSavings(); // to get original monthly savings const changeInMonthlySavings = newMonthlySavings - currentSavingsData.monthlySavings; const displayDiv = document.getElementById('asroOptimizedSavingsDisplay'); if(displayDiv) { displayDiv.innerHTML = `

Optimized Savings Status

New Total Monthly Income: $${totalAdjustedMonthlyIncome.toFixed(2)}

New Total Monthly Expenses: $${totalAdjustedMonthlyExpenses.toFixed(2)}

New Monthly Savings: $${newMonthlySavings.toFixed(2)}

New Annual Savings: $${newAnnualSavings.toFixed(2)}

Optimized Savings Rate: ${newSavingsRate.toFixed(2)}%

Change in Monthly Savings: ${changeInMonthlySavings >=0 ? '+' : ''}$${changeInMonthlySavings.toFixed(2)}

`; } return { totalAdjustedMonthlyIncome, totalAdjustedMonthlyExpenses, newMonthlySavings, newAnnualSavings, newSavingsRate, changeInMonthlySavings }; } // --- Summary & Export (Tab 4) --- function asro_displayOptimizationSummary() { const previewDiv = document.getElementById('asroReportPreview'); const current = asro_calculateAndDisplayCurrentSavings(); // Get current figures const optimized = asro_recalculateOptimizedScenario(); // Get optimized figures let changesMadeHTML = "

Summary of Changes Made:

"; let hasChanges = false; asro_incomeSources.forEach(src => { if (src.amount !== src.adjustedAmount) { changesMadeHTML += `
• Income '${src.name}': $${src.amount.toFixed(2)} -> $${src.adjustedAmount.toFixed(2)} (Change: $${(src.adjustedAmount - src.amount).toFixed(2)})
`; hasChanges = true; } }); asro_expenseCategories.forEach(cat => { if (cat.amount !== cat.adjustedAmount) { changesMadeHTML += `
• Expense '${cat.name}': $${cat.amount.toFixed(2)} -> $${cat.adjustedAmount.toFixed(2)} (Change: $${(cat.adjustedAmount - cat.amount).toFixed(2)})
`; hasChanges = true; } }); if (!hasChanges) changesMadeHTML += "
• No changes modeled for optimization.
"; changesMadeHTML += "

"; previewDiv.innerHTML = `

Current vs. Optimized Scenario

Current Annual Savings: $${current.annualSavings.toFixed(2)} (Rate: ${current.savingsRate.toFixed(2)}%)

Optimized Annual Savings: $${optimized.newAnnualSavings.toFixed(2)} (Rate: ${optimized.newSavingsRate.toFixed(2)}%)

Total Annual Improvement: $${(optimized.newAnnualSavings - current.annualSavings).toFixed(2)}

---

${changesMadeHTML} `; asro_renderSavingsRateChart(current.savingsRate, optimized.newSavingsRate); } function asro_renderSavingsRateChart(currentRate, optimizedRate) { const chartContainer = document.getElementById('asroSavingsRateChartContainer'); const canvas = document.getElementById('asroSavingsRateChart'); if (!currentRate && !optimizedRate && currentRate !==0 && optimizedRate !==0) { // if both are undefined or null (but not zero) chartContainer.style.display = 'none'; return; } chartContainer.style.display = 'block'; if (asro_savingsRateChartInstance) { asro_savingsRateChartInstance.destroy(); } asro_savingsRateChartInstance = new Chart(canvas, { type: 'bar', data: { labels: ['Current Savings Rate', 'Optimized Savings Rate'], datasets: [{ label: 'Savings Rate (%)', data: [currentRate > 0 ? currentRate : 0, optimizedRate > 0 ? optimizedRate : 0], // Ensure non-negative for chart backgroundColor: [ 'rgba(255, 193, 7, 0.6)', // warning-color somewhat 'rgba(76, 175, 80, 0.6)' // accent-color ], borderColor: [ 'rgba(255, 193, 7, 1)', 'rgba(76, 175, 80, 1)' ], borderWidth: 1 }] }, options: { responsive: true, maintainAspectRatio: true, scales: { y: { beginAtZero: true, ticks: { callback: function(value) { return value + "%" } } } }, plugins: { legend: { display: false }, title: { display: true, text: 'Savings Rate Comparison' } } } }); } function asro_generatePdf() { const current = asro_calculateAndDisplayCurrentSavings(); const optimized = asro_recalculateOptimizedScenario(); if (!current || !optimized) { alert("Please ensure data is entered and calculations are complete."); return; } const { jsPDF } = window.jspdf; const doc = new jsPDF(); let yPos = 20; const primaryColor = getComputedStyle(document.documentElement).getPropertyValue('--primary-color').trim(); const accentColor = getComputedStyle(document.documentElement).getPropertyValue('--accent-color').trim(); const textColor = getComputedStyle(document.documentElement).getPropertyValue('--text-color').trim(); const toCurrency = (num) => `$${num.toFixed(2)}`; doc.setFontSize(20); doc.setTextColor(primaryColor); doc.text("Annual Savings Rate Optimization Plan", doc.internal.pageSize.getWidth() / 2, yPos, { align: 'center' }); yPos += 15; function addSectionTitle(title) { if (yPos > 260) { doc.addPage(); yPos = 20; } doc.setFontSize(14); doc.setTextColor(primaryColor); doc.text(title, 14, yPos); yPos += 8; doc.setFontSize(10); doc.setTextColor(textColor); } function addDataRow(label, valueStr) { if (yPos > 275) { doc.addPage(); yPos = 20; } doc.text(`${label}:`, 14, yPos); doc.text(valueStr, 80, yPos); yPos += 6; } // Current Financials addSectionTitle("Current Financial Summary (Monthly)"); addDataRow("Total Income", toCurrency(current.totalMonthlyIncome)); addDataRow("Total Expenses", toCurrency(current.totalMonthlyExpenses)); addDataRow("Monthly Savings", toCurrency(current.monthlySavings)); addDataRow("Annual Savings", toCurrency(current.annualSavings)); addDataRow("Savings Rate", `${current.savingsRate.toFixed(2)}%`); yPos += 4; // Optimized Financials addSectionTitle("Optimized Financial Summary (Monthly)"); addDataRow("New Total Income", toCurrency(optimized.totalAdjustedMonthlyIncome)); addDataRow("New Total Expenses", toCurrency(optimized.totalAdjustedMonthlyExpenses)); addDataRow("New Monthly Savings", toCurrency(optimized.newMonthlySavings)); doc.setTextColor(accentColor); addDataRow("New Annual Savings", toCurrency(optimized.newAnnualSavings)); addDataRow("New Savings Rate", `${optimized.newSavingsRate.toFixed(2)}%`); doc.setTextColor(textColor); addDataRow("Improvement in Annual Savings", toCurrency(optimized.newAnnualSavings - current.annualSavings)); yPos += 4; // Table of Changes let changes = []; asro_incomeSources.forEach(src => { if (src.amount !== src.adjustedAmount) changes.push([src.name (Income), toCurrency(src.amount), toCurrency(src.adjustedAmount), toCurrency(src.adjustedAmount - src.amount)]) }); asro_expenseCategories.forEach(cat => { if (cat.amount !== cat.adjustedAmount) changes.push([cat.name (Expense), toCurrency(cat.amount), toCurrency(cat.adjustedAmount), toCurrency(cat.adjustedAmount - cat.amount)]) }); if (changes.length > 0) { if (yPos > 240) { doc.addPage(); yPos = 20; } addSectionTitle("Summary of Changes Made (Monthly)"); doc.autoTable({ startY: yPos, head: [['Item (Type)', 'Original Amt ($)', 'Adjusted Amt ($)', 'Change ($)']], body: changes, theme: 'grid', headStyles: { fillColor: primaryColor, textColor: '#ffffff' }, styles: { fontSize: 9, cellPadding: 1.5 }, didDrawPage: (d) => { yPos = d.cursor.y; } }); } else { doc.text("No specific changes were modeled in the optimization step.", 14, yPos); } doc.save('savings_rate_optimization_plan.pdf'); } // Initialize document.addEventListener('DOMContentLoaded', () => { asro_showTab(0); asro_renderIncomeSources(); asro_updateTotalIncomeDisplay(); asro_renderExpenseCategories(); asro_updateTotalExpensesDisplay(); asro_calculateAndDisplayCurrentSavings(); // Initial call // Demo Data asro_incomeSources.push({id:'inc_001', name:'Salary', amount: 4000, adjustedAmount: 4000}); asro_incomeSources.push({id:'inc_002', name:'Freelance Work', amount: 500, adjustedAmount: 600}); asro_expenseCategories.push({id:'exp_001', name:'Rent/Mortgage', amount:1500, adjustedAmount:1500}); asro_expenseCategories.push({id:'exp_002', name:'Groceries', amount:400, adjustedAmount:350}); asro_expenseCategories.push({id:'exp_003', name:'Dining Out', amount:200, adjustedAmount:100}); asro_renderIncomeSources(); asro_updateTotalIncomeDisplay(); asro_renderExpenseCategories(); asro_updateTotalExpensesDisplay(); asro_calculateAndDisplayCurrentSavings(); });