Please enter valid loan amount, rate (0 or positive), and term (>0 months).

"; lrspLastCalculationData = null; return; } // 1. Standard Monthly Plan const standardPlan = lrspAmortizeLoan(loanAmount, annualRate, originalTotalMonths, 0, 0, 0); if (standardPlan.monthlyPayment === 0 && loanAmount > 0) { resultsOutputEl.innerHTML = "

Could not calculate standard monthly payment. Please check inputs (e.g., ensure term is > 0).

"; lrspLastCalculationData = null; return; } // 2. Biweekly Plan (13th month effect -> one extra standard monthly payment per year) const biweeklyPlan = lrspAmortizeLoan(loanAmount, annualRate, originalTotalMonths, 0, 1, standardPlan.monthlyPayment); // 3. Monthly + User's Extra Payment Plan const extraPmtPlan = lrspAmortizeLoan(loanAmount, annualRate, originalTotalMonths, userExtraMonthlyPayment, 0, 0); // 4. One Extra Full Payment Annually (explicitly, should be similar to biweekly if std monthly payment is used) const oneExtraAnnualPlan = lrspAmortizeLoan(loanAmount, annualRate, originalTotalMonths, 0, 1, standardPlan.monthlyPayment); lrspLastCalculationData = { inputs: { loanAmount, annualRate, originalTotalMonths, userExtraMonthlyPayment, standardMonthlyPayment: standardPlan.monthlyPayment }, standard: standardPlan, biweekly: biweeklyPlan, // Biweekly effectively does one extra annual payment extraPaymentMonthly: extraPmtPlan, oneExtraAnnual: oneExtraAnnualPlan }; const biweeklyPaymentAmount = (standardPlan.monthlyPayment / 2); let outputHTML = `

Original Loan Term: ${lrspFormatTerm(originalTotalMonths)} | Standard Monthly Payment: $${standardPlan.monthlyPayment.toFixed(2)}

`; resultsOutputEl.innerHTML = outputHTML; } function lrspDownloadPDF() { if (!lrspLastCalculationData) { alert("Please calculate strategies first."); lrspNavigateTab('lrspComparisonTab'); lrspCalculateAllStrategies(); if (!lrspLastCalculationData) return; } const { jsPDF } = window.jspdf; const doc = new jsPDF({orientation: 'landscape'}); const { inputs, standard, biweekly, extraPaymentMonthly, oneExtraAnnual } = lrspLastCalculationData; const primaryColor = [0, 121, 107]; let y = 15; doc.setFontSize(14); doc.setTextColor(primaryColor[0], primaryColor[1], primaryColor[2]); // Slightly smaller title doc.text("Loan Payoff Strategy Comparison", doc.internal.pageSize.getWidth() / 2, y, { align: 'center' }); y += 7; doc.setFontSize(8); doc.setTextColor(100); doc.text("Illustrative comparison based on user inputs. Lender policies vary for applying extra payments.", doc.internal.pageSize.getWidth() / 2, y, { align: 'center' }); y += 8; doc.setFontSize(9); doc.setTextColor(51, 51, 51); doc.text("Loan Inputs:", 14, y); y += 5; doc.text(` Loan Amount: $${inputs.loanAmount.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2})}`, 14, y); doc.text(`Annual Rate: ${inputs.annualRate.toFixed(2)}%`, 110, y); doc.text(`Original Term: ${lrspFormatTerm(inputs.originalTotalMonths)}`, 180, y);y += 5; doc.text(` Std. Monthly Pmt: $${inputs.standardMonthlyPayment.toFixed(2)}`, 14, y); doc.text(`User's Extra Monthly Pmt Input: $${inputs.userExtraMonthlyPayment.toFixed(2)}`, 110, y); y += 8; const head = [['Strategy', 'Effective Mthly Outlay', 'Payoff Time', 'Total Interest Paid', 'Interest Saved', 'Time Saved']]; const body = [ ['Standard Monthly', `$${standard.monthlyPayment.toFixed(2)}`, lrspFormatTerm(standard.actualMonthsToPayoff), `$${standard.totalInterest.toFixed(2)}`, '-', '-'], [`Biweekly ($${(inputs.standardMonthlyPayment/2).toFixed(2)}/2wks)`, `~ $${(inputs.standardMonthlyPayment*13/12).toFixed(2)}`, lrspFormatTerm(biweekly.actualMonthsToPayoff), `$${biweekly.totalInterest.toFixed(2)}`, `$${(standard.totalInterest - biweekly.totalInterest).toFixed(2)}`, lrspFormatTerm(standard.actualMonthsToPayoff - biweekly.actualMonthsToPayoff)], [`Monthly + Extra $${inputs.userExtraMonthlyPayment.toFixed(2)}`, `$${(inputs.standardMonthlyPayment + inputs.userExtraMonthlyPayment).toFixed(2)}`, lrspFormatTerm(extraPaymentMonthly.actualMonthsToPayoff), `$${extraPaymentMonthly.totalInterest.toFixed(2)}`, `$${(standard.totalInterest - extraPaymentMonthly.totalInterest).toFixed(2)}`, lrspFormatTerm(standard.actualMonthsToPayoff - extraPaymentMonthly.actualMonthsToPayoff)], ['One Extra Full Pmt/Yr', `~ $${(inputs.standardMonthlyPayment*13/12).toFixed(2)}`, lrspFormatTerm(oneExtraAnnual.actualMonthsToPayoff), `$${oneExtraAnnual.totalInterest.toFixed(2)}`, `$${(standard.totalInterest - oneExtraAnnual.totalInterest).toFixed(2)}`, lrspFormatTerm(standard.actualMonthsToPayoff - oneExtraAnnual.actualMonthsToPayoff)] ]; doc.autoTable({ startY: y, head: head, body: body, theme: 'grid', headStyles: { fillColor: primaryColor, textColor: [255,255,255], halign: 'center', fontSize:7.5 }, // Smaller font for head bodyStyles: {fontSize: 7.5, cellPadding: 1.5}, // Smaller font for body columnStyles: { 0: { halign: 'left', cellWidth: 50 }, 1: { halign: 'center', cellWidth: 38 }, 2: { halign: 'center', cellWidth: 40 }, 3: { halign: 'right', cellWidth: 38 }, 4: { halign: 'right', cellWidth: 38 }, 5: { halign: 'center', cellWidth: 40 } }, margin: {left:10, right:10} // Reduce margins to fit table }); y = doc.lastAutoTable.finalY + 7; if (y > 170) { doc.addPage(); y = 20; } doc.setFontSize(8); doc.setTextColor(85, 85, 85); const advisoryTitle = "Understanding Your Repayment Strategy Illustrations:"; const advisoryContent = [ "Estimates Only: Calculations are illustrative. Actual outcomes depend on lender policies.", "Biweekly Payments: Assumes 13 full monthly payments per year, with extra applied to principal.", "One Extra Annual Payment: Assumes one additional standard monthly payment per year applied to principal.", "Extra Monthly Payments: Assumes extra amount is added monthly and applied to principal.", "Principal Application is Key: Extra funds MUST go to principal to save interest. Confirm with lender.", "Lender Policies & Fees: Verify acceptance of accelerated payments, application methods, and any fees.", "What's 'Best'?: Depends on your financial goals. This tool compares outcomes, not a recommendation." ]; doc.setFont(undefined, 'bold'); doc.text(advisoryTitle, 14, y); y +=4; doc.setFont(undefined, 'normal'); advisoryContent.forEach(line => { const splitLine = doc.splitTextToSize(`• ${line}`, doc.internal.pageSize.getWidth() - 28 - 5); doc.text(splitLine, 14, y); y += (splitLine.length * 3) + 0.5; // Adjust line height for 8pt font if (y > 190 && advisoryContent.indexOf(line) < advisoryContent.length -1) { doc.addPage(); y = 20; } }); y+=2; doc.setFontSize(7); doc.setFont(undefined, 'italic'); doc.setTextColor(100); doc.text("This tool is for informational purposes. Always confirm details with your lender.", 14, y); doc.save("Loan_Repayment_Strategy_Comparison.pdf"); } lrspSwitchTab(null, 'lrspLoanInputsTab'); window.lrspSwitchTab = lrspSwitchTab; window.lrspNavigateTab = lrspNavigateTab; window.lrspCalculateAllStrategies = lrspCalculateAllStrategies; window.lrspDownloadPDF = lrspDownloadPDF;