Maximum Recommended Total Monthly Debt (at ${pla_formatPercent(targetDTIPercent,0)} DTI): ${pla_formatCurrency(maxTotalMonthlyDebtAllowed)}

`; if (maxAffordableEMI < 0) { // Already over DTI limit maxAffordableEMI = 0; resultsHTML += `

Your current debt payments (${pla_formatCurrency(currentDebtPaymentsForDTI)}) already exceed the debt amount allowed under a ${pla_formatPercent(targetDTIPercent,0)} DTI ratio (${pla_formatCurrency(maxTotalMonthlyDebtAllowed)}). Based on this, you may not be able to afford an additional personal loan payment while staying within this DTI target.

`; resultsHTML += `

Estimated Affordable EMI: ${pla_formatCurrency(0)}

`; resultsHTML += `

Estimated Affordable Loan Amount: ${pla_formatCurrency(0)}

`; } else { resultsHTML += `

Available for New Loan EMI (to stay within ${pla_formatPercent(targetDTIPercent,0)} DTI): ${pla_formatCurrency(maxAffordableEMI)}

`; resultsHTML += `

---

`; const affordableLoanAmount = pla_calculateAffordableLoan(maxAffordableEMI, loanAnnualAPR, loanTenureMonths); resultsHTML += `

Estimated Affordable EMI for New Loan: ${pla_formatCurrency(maxAffordableEMI)}

`; resultsHTML += `

Estimated Affordable Personal Loan Amount (for ${loanTenureMonths} months at ${loanAnnualAPR}% APR): ${pla_formatCurrency(affordableLoanAmount)}

`; if (affordableLoanAmount > 0) { const totalPaid = maxAffordableEMI * loanTenureMonths; const totalInterest = totalPaid - affordableLoanAmount; resultsHTML += `

This would mean total payments of ${pla_formatCurrency(totalPaid)}, including ${pla_formatCurrency(totalInterest)} in interest.

`; } } if(pla_el.resultsSummary) pla_el.resultsSummary.innerHTML = resultsHTML; if(pla_el.pdfDownloadBtn && pla_el.pdfDownloadBtn.style) pla_el.pdfDownloadBtn.style.display = 'block'; } function pla_resetForm() { // Tab 1 if(pla_el.monthlyIncome) pla_el.monthlyIncome.value = "5000"; if(pla_el.housingCosts) pla_el.housingCosts.value = "1500"; if(pla_el.existingDebts) pla_el.existingDebts.value = "300"; if(pla_el.otherExpenses) pla_el.otherExpenses.value = "700"; // Tab 2 if(pla_el.loanTenure) pla_el.loanTenure.value = "36"; if(pla_el.loanAPR) pla_el.loanAPR.value = "10.0"; if(pla_el.targetDTI) pla_el.targetDTI.value = "40"; document.querySelectorAll('#personalLoanAffordabilityCalc .pla-error-message').forEach(el => el.textContent = ''); if(pla_el.resultsSummary) pla_el.resultsSummary.innerHTML = ""; if(pla_el.pdfDownloadBtn && pla_el.pdfDownloadBtn.style) pla_el.pdfDownloadBtn.style.display = 'none'; if(pla_el.resultsTabButton) pla_el.resultsTabButton.disabled = true; pla_currentTab = 0; pla_openTab(null, 'pla-tabFinancials'); } function pla_downloadPDF() { if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF !== 'function' || typeof window.html2canvas !== 'function') { alert("PDF generation library (jsPDF/html2canvas) not loaded. Check CDN links & internet connection."); return; } const jsPDFConstructor = window.jspdf.jsPDF; const resultsContentToCapture = pla_el.resultsSummary; // The div containing the results const disclaimerContent = document.querySelector('#personalLoanAffordabilityCalc .pla-disclaimer-note'); if (!resultsContentToCapture || !resultsContentToCapture.innerHTML.includes("Estimated Affordable EMI")) { alert("No results to download. Please calculate affordability first."); return; } const pdf = new jsPDFConstructor('p', 'pt', 'a4'); const toolTitle = "Personal Loan Affordability Estimate"; const margins = { top: 40, bottom: 40, left: 30, right: 30 }; let yPos = margins.top; pdf.setFontSize(18); pdf.text(toolTitle, pdf.internal.pageSize.getWidth() / 2, yPos, { align: 'center' }); yPos += 30; // Inputs Summary pdf.setFontSize(11); pdf.text("Your Financial Inputs:", margins.left, yPos); yPos += 15; pdf.setFontSize(9); pdf.text(`- Monthly Gross Income: ${pla_formatCurrency(parseFloat(pla_el.monthlyIncome.value))}`, margins.left + 10, yPos); yPos += 13; pdf.text(`- Monthly Housing Costs: ${pla_formatCurrency(parseFloat(pla_el.housingCosts.value))}`, margins.left + 10, yPos); yPos += 13; pdf.text(`- Other Existing Monthly Debts: ${pla_formatCurrency(parseFloat(pla_el.existingDebts.value))}`, margins.left + 10, yPos); yPos += 13; pdf.text(`- Other Regular Monthly Expenses: ${pla_formatCurrency(parseFloat(pla_el.otherExpenses.value))}`, margins.left + 10, yPos); yPos += 15; pdf.text("Desired New Loan Terms:", margins.left, yPos); yPos += 13; pdf.text(`- Loan Tenure: ${pla_el.loanTenure.value} months`, margins.left + 10, yPos); yPos += 13; pdf.text(`- Estimated APR: ${pla_el.loanAPR.value}%`, margins.left + 10, yPos); yPos += 13; pdf.text(`- Target DTI: ${pla_el.targetDTI.value}%`, margins.left + 10, yPos); yPos += 20; // Use html2canvas for the results summary section for better formatting preservation html2canvas(resultsContentToCapture, { scale: 1.5, backgroundColor: '#ffffff', useCORS: true }).then(canvas => { const imgData = canvas.toDataURL('image/png'); const imgProps = pdf.getImageProperties(imgData); const pdfWidth = pdf.internal.pageSize.getWidth() - margins.left - margins.right; const pdfHeight = (imgProps.height * pdfWidth) / imgProps.width; if (yPos + pdfHeight > pdf.internal.pageSize.getHeight() - margins.bottom - 20) { pdf.addPage(); yPos = margins.top; } pdf.setFontSize(11); pdf.text("Affordability Estimate:", margins.left, yPos); yPos += 5; pdf.addImage(imgData, 'PNG', margins.left, yPos, pdfWidth, pdfHeight); yPos += pdfHeight + 20; if (disclaimerContent) { if (yPos > pdf.internal.pageSize.getHeight() - margins.bottom - 40) { pdf.addPage(); yPos = margins.top; } pdf.setFontSize(8); const disclaimerLines = pdf.splitTextToSize(disclaimerContent.innerText.trim(), pdf.internal.pageSize.getWidth() - margins.left - margins.right); pdf.text(disclaimerLines, margins.left, yPos); } pdf.save('Personal_Loan_Affordability_Estimate.pdf'); }).catch(err => { console.error("Error generating PDF with html2canvas:", err); alert("Error generating PDF. See console for details."); }); }