Tool Error: A critical component (calculate button) is missing. Please refresh the page or contact support.

`; return; // Stop further script execution } } } if (!allElementsFound) { console.warn("One or more non-critical elements were not found. Some parts of the UI might not update correctly."); } // --- End Critical Element Checks --- function formatCurrency(value) { const num = Number(value); if (isNaN(num)) return '$--'; return `$${num.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`; } function formatMonthsToYearsMonths(totalMonths) { if (isNaN(totalMonths) || totalMonths < 0) return "N/A"; if (totalMonths === 0) return "0 Months"; const years = Math.floor(totalMonths / 12); const months = Math.round(totalMonths % 12); let result = ""; if (years > 0) result += `${years} Year${years > 1 ? 's' : ''}`; if (months > 0) result += `${years > 0 ? ', ' : ''}${months} Month${months > 1 ? 's' : ''}`; return result || (years > 0 && months === 0 ? `${years} Year${years > 1 ? 's' : ''}` : "0 Months"); } function calculateStandardMonthlyPayment(principal, annualRatePercent, termYears) { if (principal <= 0 || termYears <= 0) return 0; const monthlyRate = annualRatePercent > 0 ? (annualRatePercent / 100) / 12 : 0; const numberOfPayments = Math.round(termYears * 12); if (monthlyRate === 0) { return principal > 0 && numberOfPayments > 0 ? principal / numberOfPayments : 0; } const payment = principal * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) / (Math.pow(1 + monthlyRate, numberOfPayments) - 1); return payment; } if (lumpSumPaymentEl && lumpSumGroupEl) { lumpSumPaymentEl.addEventListener('input', function() { if (parseFloat(this.value) > 0) { lumpSumGroupEl.classList.remove('hidden'); } else { lumpSumGroupEl.classList.add('hidden'); } }); } else { console.warn("Lump sum input elements not found for conditional display logic."); } if (calculateBtn) { calculateBtn.addEventListener('click', function() { console.log("Calculate Early Payoff button clicked!"); // For debugging const principal = parseFloat(loanBalanceEl.value); const annualRate = parseFloat(interestRateEl.value); const termYears = parseFloat(termYearsEl.value); const extraMonthlyPayment = parseFloat(extraMonthlyPaymentEl.value) || 0; const lumpSumAmount = parseFloat(lumpSumPaymentEl.value) || 0; const lumpSumAfterMonths = lumpSumAmount > 0 ? parseInt(lumpSumAfterMonthsEl.value) : 0; if (isNaN(principal) || principal <= 0) { alert("Please enter a valid loan balance."); loanBalanceEl.focus(); return; } if (isNaN(annualRate) || annualRate < 0 || annualRate > 100) { alert("Please enter a valid annual interest rate (0-100)."); interestRateEl.focus(); return; } if (isNaN(termYears) || termYears <= 0) { alert("Please enter a valid loan term in years."); termYearsEl.focus(); return; } if (isNaN(extraMonthlyPayment) || extraMonthlyPayment < 0) { alert("Extra monthly payment cannot be negative."); extraMonthlyPaymentEl.focus(); return; } if (isNaN(lumpSumAmount) || lumpSumAmount < 0) { alert("Lump sum payment cannot be negative."); lumpSumPaymentEl.focus(); return; } if (lumpSumAmount > 0 && (isNaN(lumpSumAfterMonths) || lumpSumAfterMonths <= 0)) { alert("Please enter a valid month number (e.g., 1 or greater) after which to apply the lump sum."); lumpSumAfterMonthsEl.focus(); return; } const originalTermMonths = Math.round(termYears * 12); const monthlyInterestRate = annualRate > 0 ? (annualRate / 100) / 12 : 0; const origMonthlyPayment = calculateStandardMonthlyPayment(principal, annualRate, termYears); let origTotalPaid = 0; let origTotalInterest = 0; if (principal > 0 && origMonthlyPayment > 0) { origTotalPaid = origMonthlyPayment * originalTermMonths; origTotalInterest = origTotalPaid - principal; } else if (principal > 0 && monthlyInterestRate === 0) { origTotalPaid = principal; origTotalInterest = 0; } const baseScheduledPayment = origMonthlyPayment; const paymentWithMonthlyExtra = baseScheduledPayment + extraMonthlyPayment; let currentBalanceNew = principal; let newActualMonthsPaid = 0; let newTotalInterestPaid = 0; let newTotalPrincipalPaidAccumulated = 0; let lastPeriodicPaymentAmount = paymentWithMonthlyExtra; if (currentBalanceNew > 0) { if (monthlyInterestRate > 0 && paymentWithMonthlyExtra < (currentBalanceNew * monthlyInterestRate) - 0.005 && currentBalanceNew > 0 && lumpSumAmount < currentBalanceNew) { console.warn("Monthly payment may not cover interest."); } if (paymentWithMonthlyExtra <= 0 && currentBalanceNew > 0 && lumpSumAmount < currentBalanceNew) { alert("Total monthly payment must be greater than zero to pay off the loan unless a lump sum covers the balance."); // resultsOutputEl.style.display = 'none'; pdfDownloadBtn.style.display = 'none'; // Allow calculation to proceed to show what happens (likely grows if interest > 0) } while (currentBalanceNew > 0.005 && newActualMonthsPaid < (originalTermMonths * 3 + 24)) { newActualMonthsPaid++; const interestForMonth = monthlyInterestRate > 0 ? currentBalanceNew * monthlyInterestRate : 0; let principalPortionFromPeriodic = paymentWithMonthlyExtra - interestForMonth; if (principalPortionFromPeriodic < 0 && paymentWithMonthlyExtra > 0) principalPortionFromPeriodic = 0; let actualPaymentThisCycle = paymentWithMonthlyExtra; if (currentBalanceNew + interestForMonth <= paymentWithMonthlyExtra + 0.005) { lastPeriodicPaymentAmount = currentBalanceNew + interestForMonth; actualPaymentThisCycle = lastPeriodicPaymentAmount; principalPortionFromPeriodic = currentBalanceNew; currentBalanceNew = 0; } else { currentBalanceNew -= principalPortionFromPeriodic; lastPeriodicPaymentAmount = paymentWithMonthlyExtra; // Regular payment amount } newTotalInterestPaid += interestForMonth; newTotalPrincipalPaidAccumulated += principalPortionFromPeriodic; if (lumpSumAmount > 0 && newActualMonthsPaid === lumpSumAfterMonths && currentBalanceNew > 0) { const principalBeforeLump = currentBalanceNew; if (currentBalanceNew <= lumpSumAmount + 0.005) { newTotalPrincipalPaidAccumulated += currentBalanceNew; currentBalanceNew = 0; } else { currentBalanceNew -= lumpSumAmount; newTotalPrincipalPaidAccumulated += lumpSumAmount; } } if (currentBalanceNew <= 0.005) currentBalanceNew = 0; } } const newTotalPaidWithExtrasAndLumpSum = newTotalPrincipalPaidAccumulated + newTotalInterestPaid; // Populate Results origMonthlyPaymentEl.textContent = formatCurrency(origMonthlyPayment); origTotalInterestEl.textContent = formatCurrency(Math.max(0, origTotalInterest)); origTotalPaidEl.textContent = formatCurrency(Math.max(0, origTotalPaid)); origPayoffTimeEl.textContent = formatMonthsToYearsMonths(originalTermMonths); newBaseMonthlyPaymentEl.textContent = formatCurrency(baseScheduledPayment); newExtraMonthlyPaymentValEl.textContent = formatCurrency(extraMonthlyPayment); newLumpSumValEl.textContent = lumpSumAmount > 0 ? `${formatCurrency(lumpSumAmount)} (after ${lumpSumAfterMonths} mo.)` : "N/A"; newTotalInterestEl.textContent = formatCurrency(Math.max(0, newTotalInterestPaid)); newTotalPaidEl.textContent = formatCurrency(Math.max(0, newTotalPaidWithExtrasAndLumpSum)); newPayoffTimeEl.textContent = formatMonthsToYearsMonths(newActualMonthsPaid); if (newActualMonthsPaid > 0) { newFinalPaymentEl.textContent = (lastPeriodicPaymentAmount < paymentWithMonthlyExtra - 0.01 && lastPeriodicPaymentAmount > 0) ? formatCurrency(lastPeriodicPaymentAmount) : "N/A (Regular or Lump Sum Payoff)"; } else { newFinalPaymentEl.textContent = (principal === 0 ? "$0.00" : "N/A"); } const totalInterestSaved = Math.max(0, origTotalInterest - newTotalInterestPaid); const timeSavedMonths = Math.max(0, originalTermMonths - newActualMonthsPaid); totalInterestSavedEl.textContent = formatCurrency(totalInterestSaved); timeSavedEl.textContent = formatMonthsToYearsMonths(timeSavedMonths); resultsOutputEl.style.display = 'block'; pdfDownloadBtn.style.display = 'block'; lastCalculationData = { inputs: { principal, annualRate, termYears, extraMonthlyPayment, lumpSumAmount, lumpSumAfterMonths }, original: { monthlyPayment: origMonthlyPayment, totalInterest: origTotalInterest, totalPaid: origTotalPaid, termMonths: originalTermMonths }, accelerated: { baseMonthlyPayment: baseScheduledPayment, extraMonthlyPayment: extraMonthlyPayment, lumpSumAmount: lumpSumAmount, lumpSumAfterMonths: lumpSumAfterMonths, totalInterest: newTotalInterestPaid, totalPaid: newTotalPaidWithExtrasAndLumpSum, termMonths: newActualMonthsPaid, finalPayment: (newActualMonthsPaid > 0 && lastPeriodicPaymentAmount < paymentWithMonthlyExtra - 0.01 && lastPeriodicPaymentAmount > 0) ? lastPeriodicPaymentAmount : null }, savings: { interestSaved: totalInterestSaved, timeSavedMonths: timeSavedMonths } }; console.log("Calculation complete. Last Calculation Data:", lastCalculationData); // For debugging }); console.log("Calculate button event listener attached."); // For debugging } if (pdfDownloadBtn) { pdfDownloadBtn.addEventListener('click', function() { console.log("PDF Download button clicked. Last Calculation Data:", lastCalculationData); // For debugging if (!lastCalculationData) { alert("Please calculate savings first."); return; } if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert("Error: Core PDF library (jsPDF) is not loaded."); console.error("jsPDF core not available."); return; } const { jsPDF } = window.jspdf; const doc = new jsPDF("p", "mm", "a4"); try { if (typeof doc.autoTable !== 'function') { console.warn("jsPDF.autoTable plugin is not available for PDF. PDF will be text only."); } let yPos = 15; const lineH = 7; const margin = 15; const pageWidth = doc.internal.pageSize.getWidth(); doc.setFontSize(16).setFont(undefined,'bold').text("Personal Loan Early Payoff Report", pageWidth/2, yPos, {align:'center'}); yPos+=lineH*1.5; doc.setFontSize(11).setFont(undefined,'bold').text("Loan & Payoff Strategy Inputs:", margin, yPos); yPos+=lineH; doc.setFontSize(9).setFont(undefined,'normal'); const inputs = lastCalculationData.inputs; doc.text(`Loan Balance: ${formatCurrency(inputs.principal)}`, margin + 2, yPos); yPos += lineH * 0.8; doc.text(`Annual Interest Rate: ${inputs.annualRate}%`, margin + 2, yPos); yPos += lineH * 0.8; doc.text(`Original Remaining Term: ${inputs.termYears} Years`, margin + 2, yPos); yPos += lineH * 0.8; doc.text(`Extra Monthly Payment: ${formatCurrency(inputs.extraMonthlyPayment)}`, margin + 2, yPos); yPos += lineH * 0.8; if (inputs.lumpSumAmount > 0) { doc.text(`Lump Sum Payment: ${formatCurrency(inputs.lumpSumAmount)} (applied after month ${inputs.lumpSumAfterMonths})`, margin + 2, yPos); yPos += lineH * 0.8; } yPos += lineH * 0.7; doc.setFontSize(11).setFont(undefined,'bold').text("Original Loan Summary (No Extras):", margin, yPos); yPos+=lineH; doc.setFontSize(9).setFont(undefined,'normal'); const orig = lastCalculationData.original; doc.text(`Scheduled Monthly Payment: ${formatCurrency(orig.monthlyPayment)}`, margin + 2, yPos); yPos += lineH * 0.8; doc.text(`Total Interest Paid: ${formatCurrency(orig.totalInterest)}`, margin + 2, yPos); yPos += lineH * 0.8; doc.text(`Original Payoff Time: ${formatMonthsToYearsMonths(orig.termMonths)}`, margin + 2, yPos); yPos += lineH * 0.7; doc.setFontSize(11).setFont(undefined,'bold').text("Loan Summary With Early Payoff Strategy:", margin, yPos); yPos+=lineH; doc.setFontSize(9).setFont(undefined,'normal'); const acc = lastCalculationData.accelerated; doc.text(`Base Monthly Payment: ${formatCurrency(acc.baseMonthlyPayment)}`, margin + 2, yPos); yPos += lineH * 0.8; if(acc.extraMonthlyPayment > 0) doc.text(` + Extra Monthly: ${formatCurrency(acc.extraMonthlyPayment)}`, margin + 2, yPos); yPos += lineH * 0.8; if(acc.lumpSumAmount > 0) doc.text(`Lump Sum Applied: ${formatCurrency(acc.lumpSumAmount)} (after ${acc.lumpSumAfterMonths} mo.)`, margin + 2, yPos); yPos += lineH * 0.8; doc.text(`Total Interest Paid: ${formatCurrency(acc.totalInterest)}`, margin + 2, yPos); yPos += lineH * 0.8; doc.text(`New Payoff Time: ${formatMonthsToYearsMonths(acc.termMonths)}`, margin + 2, yPos); yPos += lineH * 0.8; if(acc.finalPayment !== null) { doc.text(`Final Periodic Payment: ${formatCurrency(acc.finalPayment)}`, margin + 2, yPos); yPos += lineH * 0.8; } yPos += lineH * 0.2; doc.setFontSize(12).setFont(undefined,'bold').setTextColor(21,87,36); doc.text("Your Estimated Savings:", margin, yPos); yPos+=lineH*1.2; doc.setFontSize(10).setFont(undefined,'bold'); doc.text(`Total Interest Saved: ${formatCurrency(lastCalculationData.savings.interestSaved)}`, margin + 5, yPos); yPos += lineH; doc.text(`Paid Off Sooner By: ${formatMonthsToYearsMonths(lastCalculationData.savings.timeSavedMonths)}`, margin + 5, yPos); doc.setTextColor(0,0,0); yPos += lineH * 1.5; doc.setFontSize(8).setFont(undefined,'normal'); const disclaimerText = document.querySelector('#personalLoanEarlyPayoffTool .important-note-plep').innerText.replace("Note: ", "").trim(); const disclaimerLines = doc.splitTextToSize(disclaimerText, pageWidth - (2*margin) - 4); if (yPos + (disclaimerLines.length * lineH * 0.7) + 6 > 280 && disclaimerLines.length > 0) { doc.addPage(); yPos = 15; } doc.setDrawColor(220,220,220); doc.setFillColor(241,243,245); doc.rect(margin, yPos -3 , pageWidth - (2*margin), (disclaimerLines.length * lineH * 0.65) + 6 , 'FD'); doc.setTextColor(80,80,80).text(disclaimerLines, margin+2, yPos+2); doc.save("Personal_Loan_Early_Payoff_Estimate.pdf"); } catch (error) { console.error("Error during PDF generation:", error); alert("An unexpected error occurred while generating the PDF. Please check the console. Error: " + error.message); } }); console.log("PDF Download button event listener attached."); // For debugging } // Initialize conditional visibility for lump sum month input if (lumpSumPaymentEl && lumpSumGroupEl) { if (parseFloat(lumpSumPaymentEl.value) > 0) { lumpSumGroupEl.classList.remove('hidden'); } else { lumpSumGroupEl.classList.add('hidden'); } } });