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"; } }); function formatCurrencyNUC(value, showNegativeSign = true) { const num = Number(value); if (isNaN(num)) return "0.00"; let prefix = ""; if (num < 0) { if (showNegativeSign) { prefix = "-$"; } else { prefix = "$"; // will show absolute value if showNegativeSign is false for negative } } else { prefix = "$"; } return prefix + Math.abs(num).toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); } function calculateMonthlyPaymentNUC(principal, termMonths, annualRate) { if (principal <= 0 || termMonths <= 0) { return 0; } let safeAnnualRate = annualRate; if (annualRate < 0) safeAnnualRate = 0; const monthlyRate = safeAnnualRate / 12 / 100; if (monthlyRate === 0) { return principal / termMonths; } const payment = principal * (monthlyRate * Math.pow(1 + monthlyRate, termMonths)) / (Math.pow(1 + monthlyRate, termMonths) - 1); return payment; } function calculateComparisonNUC() { console.log("NUC calculateComparisonNUC called"); // --- Validation and Parsing --- const newPrice = parseFloat(newCarPriceIn.value) || 0; const newDP = parseFloat(newCarDownPaymentIn.value) || 0; const newTerm = parseInt(newCarLoanTermIn.value) || 0; const newRate = parseFloat(newCarInterestRateIn.value) || 0; const usedPrice = parseFloat(usedCarPriceIn.value) || 0; const usedDP = parseFloat(usedCarDownPaymentIn.value) || 0; const usedTerm = parseInt(usedCarLoanTermIn.value) || 0; const usedRate = parseFloat(usedCarInterestRateIn.value) || 0; if (newPrice <= 0 || usedPrice <= 0) { alert("Please enter valid car prices for both new and used cars."); return; } if (newDP > newPrice || usedDP > usedPrice) { alert("Down payment cannot exceed car price."); return; } if (newTerm <= 0 || usedTerm <= 0) { alert("Please select valid loan terms."); return; } if (newRate < 0 || usedRate < 0) { alert("Interest rates cannot be negative."); return; } // --- New Car Calculations --- const newPrincipal = newPrice - newDP; const newMonthly = calculateMonthlyPaymentNUC(newPrincipal, newTerm, newRate); const newTotalLoanCost = newPrincipal > 0 ? newMonthly * newTerm : 0; const newTotalInterest = newPrincipal > 0 ? newTotalLoanCost - newPrincipal : 0; // --- Used Car Calculations --- const usedPrincipal = usedPrice - usedDP; const usedMonthly = calculateMonthlyPaymentNUC(usedPrincipal, usedTerm, usedRate); const usedTotalLoanCost = usedPrincipal > 0 ? usedMonthly * usedTerm : 0; const usedTotalInterest = usedPrincipal > 0 ? usedTotalLoanCost - usedPrincipal : 0; // --- Differences (New - Used) --- const diffPrincipal = newPrincipal - usedPrincipal; const diffMonthly = newMonthly - usedMonthly; const diffTotalInterest = newTotalInterest - usedTotalInterest; const diffTotalCost = newTotalLoanCost - usedTotalLoanCost; // --- Update UI --- newLoanPrincipalOut.textContent = formatCurrencyNUC(newPrincipal); newMonthlyPaymentOut.textContent = formatCurrencyNUC(newMonthly); newTotalInterestOut.textContent = formatCurrencyNUC(newTotalInterest); newTotalCostOut.textContent = formatCurrencyNUC(newTotalLoanCost); usedLoanPrincipalOut.textContent = formatCurrencyNUC(usedPrincipal); usedMonthlyPaymentOut.textContent = formatCurrencyNUC(usedMonthly); usedTotalInterestOut.textContent = formatCurrencyNUC(usedTotalInterest); usedTotalCostOut.textContent = formatCurrencyNUC(usedTotalLoanCost); diffLoanPrincipalOut.textContent = formatCurrencyNUC(diffPrincipal); diffMonthlyPaymentOut.textContent = formatCurrencyNUC(diffMonthly); diffTotalInterestOut.textContent = formatCurrencyNUC(diffTotalInterest); diffTotalCostOut.textContent = formatCurrencyNUC(diffTotalCost); resultsSection.style.display = "block"; } function generatePdfNUC() { console.log("NUC generatePdfNUC called"); if (!resultsSection || resultsSection.style.display === 'none') { alert('Please calculate the comparison first to generate a PDF summary.'); return; } if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert('PDF generation library (jsPDF) is not loaded.'); return; } const { jsPDF } = window.jspdf; const doc = new jsPDF(); if (typeof doc.autoTable !== 'function') { alert('PDF generation plugin (jsPDF-AutoTable) is not loaded.'); return; } try { doc.setFontSize(18); doc.setTextColor(40); doc.text("New vs. Used Car Loan Comparison", 14, 22); doc.setFontSize(10); doc.setTextColor(100); doc.text(`Report Generated: ${new Date().toLocaleDateString()}`, 14, 28); let startY = 35; const tableTheme = 'grid'; const headFillColor = [40, 167, 69]; // Green theme // Input Data doc.setFontSize(12); doc.setTextColor(40, 167, 69); // Green doc.text("Input Summary", 14, startY); startY += 6; const inputData = { newCar: [ ['Car Price', `$${formatCurrencyNUC(parseFloat(newCarPriceIn.value) || 0)}`], ['Down Payment', `$${formatCurrencyNUC(parseFloat(newCarDownPaymentIn.value) || 0)}`], ['Loan Term', `${parseInt(newCarLoanTermIn.value) || 0} months`], ['Interest Rate', `${(parseFloat(newCarInterestRateIn.value) || 0).toFixed(2)}%`] ], usedCar: [ ['Car Price', `$${formatCurrencyNUC(parseFloat(usedCarPriceIn.value) || 0)}`], ['Down Payment', `$${formatCurrencyNUC(parseFloat(usedCarDownPaymentIn.value) || 0)}`], ['Loan Term', `${parseInt(usedCarLoanTermIn.value) || 0} months`], ['Interest Rate', `${(parseFloat(usedCarInterestRateIn.value) || 0).toFixed(2)}%`] ] }; doc.autoTable({ head: [['New Car Loan Inputs', 'Value']], body: inputData.newCar, startY: startY, theme: tableTheme, headStyles: { fillColor: headFillColor, textColor: [255,255,255] }, styles: { fontSize: 9 }, columnStyles: { 0: { cellWidth: 50 }, 1: { cellWidth: 'auto' } } }); startY = doc.lastAutoTable.finalY + 10; doc.autoTable({ head: [['Used Car Loan Inputs', 'Value']], body: inputData.usedCar, startY: startY, theme: tableTheme, headStyles: { fillColor: headFillColor, textColor: [255,255,255] }, styles: { fontSize: 9 }, columnStyles: { 0: { cellWidth: 50 }, 1: { cellWidth: 'auto' } } }); startY = doc.lastAutoTable.finalY + 15; // Results Table doc.setFontSize(12); doc.setTextColor(40, 167, 69); // Green doc.text("Comparison Results", 14, startY); startY += 6; const resultsBody = [ ['Loan Principal', newLoanPrincipalOut.textContent, usedLoanPrincipalOut.textContent, diffLoanPrincipalOut.textContent], ['Monthly Payment', newMonthlyPaymentOut.textContent, usedMonthlyPaymentOut.textContent, diffMonthlyPaymentOut.textContent], ['Total Interest Paid', newTotalInterestOut.textContent, usedTotalInterestOut.textContent, diffTotalInterestOut.textContent], ['Total Loan Cost (P+I)', newTotalCostOut.textContent, usedTotalCostOut.textContent, diffTotalCostOut.textContent] ]; doc.autoTable({ head: [['Feature', 'New Car Loan', 'Used Car Loan', 'Difference (New - Used)']], body: resultsBody, startY: startY, theme: tableTheme, headStyles: { fillColor: headFillColor, textColor: [255,255,255] }, styles: { fontSize: 9 }, columnStyles: { 0: { cellWidth: 50, fontStyle: 'bold' }, 1: { halign: 'right' }, 2: { halign: 'right' }, 3: { halign: 'right' } } }); doc.save("New_vs_Used_Car_Loan_Comparison.pdf"); } catch (error) { console.error("NUC PDF Error:", error); alert("An error occurred while generating the PDF: " + error.message); } }