Please complete the previous tabs to view the comparison.

'; } if(csvsl_domElements.pdfDownloadBtn) csvsl_domElements.pdfDownloadBtn.classList.add('csvsl-hidden'); } } function csvsl_navigateToTab(targetTabId) { const currentActiveTabLink = document.querySelector('.csvsl-tab-link.csvsl-active'); if (!currentActiveTabLink) { console.error("Current active tab link not found."); return; } const currentTabId = currentActiveTabLink.getAttribute('data-tab'); let proceed = true; if (currentTabId === 'csvsl-tab1' && (targetTabId === 'csvsl-tab2' || targetTabId === 'csvsl-tab3')) { proceed = csvsl_validateTab1(); } else if (currentTabId === 'csvsl-tab2' && targetTabId === 'csvsl-tab3') { if (!csvsl_validateTab1()) { const tab1Button = document.querySelector('.csvsl-tab-link[data-tab="csvsl-tab1"]'); if (tab1Button) tab1Button.click(); return; } proceed = csvsl_validateTab2(); } if (proceed) { const targetTabButton = document.querySelector(`.csvsl-tab-link[data-tab="${targetTabId}"]`); if (targetTabButton) targetTabButton.click(); } } function csvsl_calculateLoanDetails(principal, annualRate, termYears, origFeePercent, origFeeFixed) { const totalFees = (principal * (origFeePercent / 100)) + origFeeFixed; const effectivePrincipal = principal + totalFees; // Fees are financed const monthlyRate = (annualRate / 100) / 12; const numberOfMonths = termYears * 12; let emi = 0; if (effectivePrincipal <= 0 || numberOfMonths <= 0) { return { totalFees: totalFees, effectivePrincipal: effectivePrincipal, emi: 0, totalRepayment: 0, totalInterest: 0, totalFinanceCharge: totalFees }; } if (monthlyRate === 0) { emi = effectivePrincipal > 0 && numberOfMonths > 0 ? effectivePrincipal / numberOfMonths : 0; } else { const powerTerm = Math.pow(1 + monthlyRate, numberOfMonths); emi = (effectivePrincipal * monthlyRate * powerTerm) / (powerTerm - 1); } if (!isFinite(emi) || isNaN(emi) || emi < 0) emi = 0; const totalRepayment = emi * numberOfMonths; const totalFinanceCharge = totalRepayment - principal; // Finance charge relative to original amount requested const totalInterestComponent = totalRepayment - effectivePrincipal; // Interest on (principal + fees) return { totalFees: totalFees, effectivePrincipal: effectivePrincipal, emi: emi, totalRepayment: totalRepayment, totalInterest: totalInterestComponent > 0 ? totalInterestComponent : 0, totalFinanceCharge: totalFinanceCharge > 0 ? totalFinanceCharge : 0 }; } function csvsl_calculateAndDisplayComparison() { if (!csvsl_domElements.resultsContainer) return; if (!csvsl_validateTab1() || !csvsl_validateTab2()) { csvsl_domElements.resultsContainer.innerHTML = '

Please correct errors in the previous tabs to view the comparison.

'; if(csvsl_domElements.pdfDownloadBtn) csvsl_domElements.pdfDownloadBtn.classList.add('csvsl-hidden'); return; } const expenseAmt = csvsl_inputData.expenseAmount; // Loan Calculation csvsl_inputData.loanDetails = csvsl_calculateLoanDetails( expenseAmt, // The loan principal is the expense amount csvsl_inputData.loanInterestRate, csvsl_inputData.loanTermYears, csvsl_inputData.loanOrigFeePercent, csvsl_inputData.loanOrigFeeFixed ); const loan = csvsl_inputData.loanDetails; const advantageOf529_totalRepaid = loan.totalRepayment; // This is what's saved in terms of payback const advantageOf529_financeCharge = loan.totalFinanceCharge; // This is saved interest + fees csvsl_domElements.resultsContainer.innerHTML = `

Comparison for Funding ${csvsl_formatCurrency(expenseAmt)}

`; if (csvsl_domElements.pdfDownloadBtn) { csvsl_domElements.pdfDownloadBtn.classList.remove('csvsl-hidden'); } } function csvsl_hexToRgb(hex) { if (!hex || typeof hex !== 'string') return null; const shorthandRegex = /^#?([a-f\d])([a-f\d])([a-f\d])$/i; hex = hex.replace(shorthandRegex, function(m, r, g, b) { return r + r + g + g + b + b; }); const result = /^#?([a-f\d]{2})([a-f\d]{2})([a-f\d]{2})$/i.exec(hex); return result ? { r: parseInt(result[1], 16), g: parseInt(result[2], 16), b: parseInt(result[3], 16) } : null; } function csvsl_generatePdf() { if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined' || typeof window.jspdf.jsPDF.API === 'undefined' || typeof window.jspdf.jsPDF.API.autoTable === 'undefined') { alert("PDF generation library is not loaded. Please try again later."); return; } if (!csvsl_validateTab1() || !csvsl_validateTab2()) { alert("Please ensure all inputs are correctly filled before generating PDF."); if (!csvsl_validateTab1()) csvsl_navigateToTab('csvsl-tab1'); else if (!csvsl_validateTab2()) csvsl_navigateToTab('csvsl-tab2'); return; } csvsl_calculateAndDisplayComparison(); if (csvsl_domElements.resultsContainer && csvsl_domElements.resultsContainer.innerHTML.includes("csvsl-error-message")) { alert("Cannot generate PDF due to errors in input or calculation. Please correct them."); return; } const ActualJsPDF = window.jspdf.jsPDF; const doc = new ActualJsPDF(); const { expenseAmount, loanInterestRate, loanTermYears, loanDetails } = csvsl_inputData; const loan = loanDetails; // for easier access doc.setFontSize(18); const primaryColorRGB = csvsl_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--csvsl-primary-color').trim()) || {r:0,g:121,b:107}; const secondaryColorRGB = csvsl_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--csvsl-secondary-color').trim()) || {r:0,g:77,b:64}; const loanColorRGB = csvsl_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--csvsl-loan-color').trim()) || {r:211,g:47,b:47}; doc.setTextColor(primaryColorRGB.r, primaryColorRGB.g, primaryColorRGB.b); doc.text("529 Savings Plan vs. Loan Comparison", 105, 20, null, null, "center"); doc.setFontSize(11); doc.setTextColor(33,33,33); let startY = 30; doc.text(`Comparison for Funding an Expense of: ${csvsl_formatCurrency(expenseAmount)}`, 14, startY); startY += 12; const tableHeadFillColor = [secondaryColorRGB.r, secondaryColorRGB.g, secondaryColorRGB.b]; // Scenario 1: 529 Plan doc.setFontSize(13); doc.setTextColor(primaryColorRGB.r, primaryColorRGB.g, primaryColorRGB.b); doc.text("Scenario 1: Using 529 College Savings Plan", 14, startY); startY += 7; doc.autoTable({ startY: startY, theme: 'grid', headStyles: { fillColor: tableHeadFillColor, textColor: 255, fontSize: 10}, body: [ ["Amount Used from 529 Plan:", csvsl_formatCurrency(expenseAmount)], ["Direct Cost (Interest & Fees):", csvsl_formatCurrency(0)], ["Future Repayment for this Expense:", csvsl_formatCurrency(0)], ["Tax Implication (Qualified Withdrawal):", "Usually $0 (Federally)"], ], margin: { left: 14, right: 14 }, styles: { fontSize: 9, cellPadding: 2.5 }, columnStyles: {0: {fontStyle:'bold'}} }); startY = doc.autoTable.previous.finalY + 10; // Scenario 2: Student Loan doc.setFontSize(13); doc.setTextColor(loanColorRGB.r, loanColorRGB.g, loanColorRGB.b); doc.text("Scenario 2: Using a Student Loan", 14, startY); startY += 7; doc.autoTable({ startY: startY, theme: 'grid', headStyles: { fillColor: tableHeadFillColor, textColor: 255, fontSize:10 }, body: [ ["Loan Principal (Expense Amount):", csvsl_formatCurrency(expenseAmount)], ["Assumed Annual Loan Interest Rate:", csvsl_formatPercent(loanInterestRate)], ["Assumed Loan Term:", `${loanTermYears} years`], ["Total Loan Origination Fees:", csvsl_formatCurrency(loan.totalFees)], ["Effective Amount Borrowed (incl. fees):", csvsl_formatCurrency(loan.effectivePrincipal)], ["Estimated Monthly Payment:", csvsl_formatCurrency(loan.emi)], ["Total Interest Paid on Loan:", csvsl_formatCurrency(loan.totalInterest)], ["Total Finance Charge (Interest + Fees):", csvsl_formatCurrency(loan.totalFinanceCharge)], [{content: "Total Repaid Over Loan Life:", styles:{fontStyle:'bold'}}, {content: csvsl_formatCurrency(loan.totalRepayment), styles:{fontStyle:'bold'}}], ], margin: { left: 14, right: 14 }, styles: { fontSize: 9, cellPadding: 2.5 }, columnStyles: {0: {fontStyle:'bold'}} }); startY = doc.autoTable.previous.finalY + 12; // Financial Advantage Summary doc.setFontSize(13); doc.setTextColor(primaryColorRGB.r, primaryColorRGB.g, primaryColorRGB.b); doc.text("Financial Advantage of Using 529 Plan:", 14, startY); startY += 7; doc.setFontSize(9.5); doc.setTextColor(33,33,33); doc.text(`- Total Money Saved (Avoided Loan Repayment): ${csvsl_formatCurrency(loan.totalRepayment)}`, 18, startY); startY += 5; doc.text(`- Avoided Interest & Fees (Total Finance Charge): ${csvsl_formatCurrency(loan.totalFinanceCharge)}`, 18, startY); startY += 10; doc.setFontSize(10); doc.setTextColor(secondaryColorRGB.r, secondaryColorRGB.g, secondaryColorRGB.b); doc.text("Key Benefits of Using a 529 Plan:", 14, startY); startY += 6; doc.setFontSize(8.5); doc.setTextColor(33,33,33); const benefits = [ "- Tax-Advantaged Growth: Earnings typically grow federally tax-deferred.", "- Tax-Free Withdrawals: For qualified higher education expenses (federal & often state).", "- No Debt Incurred: Uses saved money, avoiding future debt for this expense.", "- Reduced Overall Cost: Avoids loan interest and fees." ]; benefits.forEach(benefit => { const splitBenefit = doc.splitTextToSize(benefit, doc.internal.pageSize.width - 28); doc.text(splitBenefit, 14, startY); startY += (splitBenefit.length * (doc.getLineHeight() / doc.internal.scaleFactor * 0.8)) + 1.5; }); doc.setFontSize(9); doc.setTextColor(120); doc.text(`Report generated on: ${new Date().toLocaleDateString()} ${new Date().toLocaleTimeString()}`, 14, doc.internal.pageSize.height - 10); doc.save("529_Plan_vs_Loan_Comparison.pdf"); } window.csvsl_switchTab = csvsl_switchTab; window.csvsl_navigateToTab = csvsl_navigateToTab; window.csvsl_generatePdf = csvsl_generatePdf; window.csvsl_updateTotalLoanFeesDisplay = csvsl_updateTotalLoanFeesDisplay;