Income Protection Budget Estimator
Your Financial Basics
Your readily available cash savings for emergencies.
Essential Monthly Expenses
List non-discretionary expenses that must be paid even if you cannot work.
No essential expenses added yet.
Total Essential Monthly Expenses: $0.00
Income Protection Preferences
Insurers often cap this; check policy options.
From other policies like employer-provided short-term disability, social security disability (if applicable and immediate), etc.
How long you can wait before benefits start. Longer period = lower premium.
How long the benefits should ideally pay out if you remain unable to work.
Coverage Estimate & Emergency Fund Analysis
Analysis will appear here once all inputs are provided.
Summary Report
A summary of your income protection estimate will appear here.
Emergency Fund Covers Essentials for: ${analysisData.monthsEmergencyFundCovers === Infinity ? 'Indefinitely' : analysisData.monthsEmergencyFundCovers.toFixed(1) + ' months'}
Status for Waiting Period: ${analysisData.monthsEmergencyFundCovers >= (analysisData.waitingPeriodDays/30) ? 'Sufficient' : 'May be Insufficient'}
Full details including itemized expenses will be in the PDF.
`; previewDiv.innerHTML = html; } function ipbe_generatePdf() { const data = ipbe_calculateAndDisplayEstimates(); if (!data) { alert("Please complete inputs to generate PDF."); 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 dangerColor = getComputedStyle(document.documentElement).getPropertyValue('--danger-color').trim(); const textColor = getComputedStyle(document.documentElement).getPropertyValue('--text-color').trim(); const toCurrency = (num) => `$${num.toFixed(2)}`; doc.setFontSize(18); doc.setTextColor(primaryColor); doc.text("Income Protection Budget Estimate", doc.internal.pageSize.getWidth() / 2, yPos, { align: 'center' }); yPos += 15; // Financial Basics doc.setFontSize(12); doc.setTextColor(primaryColor); doc.text("Your Financial Basics", 14, yPos); yPos += 7; doc.setFontSize(10); doc.setTextColor(textColor); doc.text(`Gross Monthly Income: ${toCurrency(data.grossMonthlyIncome)}`, 14, yPos); yPos += 6; doc.text(`Emergency Fund Balance: ${toCurrency(data.emergencyFund)}`, 14, yPos); yPos += 6; doc.text(`Total Essential Monthly Expenses: ${toCurrency(data.totalEssentialMonthlyExpenses)}`, 14, yPos); yPos += 8; if (ipbe_essentialExpenses.length > 0) { const expensesTableBody = ipbe_essentialExpenses.map(item => [item.name, toCurrency(item.amount)]); doc.autoTable({ startY: yPos, head: [['Essential Expense Item', 'Monthly Cost ($)']], body: expensesTableBody, theme: 'grid', headStyles: { fillColor: primaryColor, textColor: '#ffffff' }, styles: { fontSize: 9, cellPadding: 2 }, didDrawPage: (d) => { yPos = d.cursor.y; } }); yPos = doc.lastAutoTable.finalY + 10; } // Protection Preferences if (yPos > 250) { doc.addPage(); yPos = 20; } doc.setFontSize(12); doc.setTextColor(primaryColor); doc.text("Income Protection Preferences", 14, yPos); yPos += 7; doc.setFontSize(10); doc.setTextColor(textColor); doc.text(`Percentage of Gross Income to Replace: ${data.incomeToReplacePercent.toFixed(0)}%`, 14, yPos); yPos += 6; doc.text(`Existing Monthly Disability/Income Benefits: ${toCurrency(data.existingBenefits)}`, 14, yPos); yPos += 6; doc.text(`Desired Waiting Period: ${data.waitingPeriodDays} days (approx. ${(data.waitingPeriodDays/30).toFixed(1)} months)`, 14, yPos); yPos += 6; doc.text(`Desired Benefit Period: ${document.getElementById('ipbeBenefitPeriod').selectedOptions[0].text}`, 14, yPos); yPos += 8; // Coverage Estimate if (yPos > 240) { doc.addPage(); yPos = 20; } doc.setFontSize(12); doc.setTextColor(primaryColor); doc.text("Estimated Monthly Benefit Needed", 14, yPos); yPos += 7; doc.setFontSize(10); doc.setTextColor(textColor); doc.text(`Method 1 (Covering Essentials): ${toCurrency(data.benefitForExpenses)}`, 16, yPos); yPos += 6; doc.text(`Method 2 (Income Replacement): ${toCurrency(data.benefitForIncomeReplacement)}`, 16, yPos); yPos += 8; // Emergency Fund Analysis if (yPos > 250) { doc.addPage(); yPos = 20; } doc.setFontSize(12); doc.setTextColor(primaryColor); doc.text("Emergency Fund vs. Waiting Period Analysis", 14, yPos); yPos += 7; doc.setFontSize(10); doc.setTextColor(textColor); let efCoverageText = data.monthsEmergencyFundCovers === Infinity ? 'Indefinitely (no essential expenses)' : `${data.monthsEmergencyFundCovers.toFixed(1)} months`; doc.text(`Emergency Fund Covers Essentials for approx.: ${efCoverageText}`, 14, yPos); yPos += 6; let statusText, statusColor; if (data.monthsEmergencyFundCovers >= (data.waitingPeriodDays/30)) { statusText = "Sufficient to cover waiting period."; statusColor = accentColor; } else { statusText = "May be insufficient for the waiting period."; statusColor = dangerColor; } if (data.totalEssentialMonthlyExpenses <=0 && data.monthsEmergencyFundCovers === Infinity && data.waitingPeriodDays > 0) { statusText = "Define expenses for better waiting period analysis."; statusColor = getComputedStyle(document.documentElement).getPropertyValue('--warning-color').trim(); } doc.setTextColor(statusColor); doc.text(`Status for Waiting Period: ${statusText}`, 14, yPos); doc.setTextColor(textColor); doc.save('income_protection_budget_estimate.pdf'); } // Initialize document.addEventListener('DOMContentLoaded', () => { ipbe_showTab(0); ipbe_renderEssentialExpensesList(); ipbe_updateTotalEssentialExpensesDisplay(); // Demo Data ipbe_essentialExpenses.push({id:'ess_exp_001', name:'Mortgage/Rent', amount:1500}); ipbe_essentialExpenses.push({id:'ess_exp_002', name:'Utilities (Avg)', amount:250}); ipbe_essentialExpenses.push({id:'ess_exp_003', name:'Groceries (Basic)', amount:500}); ipbe_renderEssentialExpensesList(); ipbe_updateTotalEssentialExpensesDisplay(); });