Total Insurance (over ${loan.ownershipDurationYears} yrs): $${loan.totalInsurance.toFixed(2)}

Total Maintenance (over ${loan.ownershipDurationYears} yrs): $${loan.totalMaintenance.toFixed(2)}

Estimated Resale Value: $${loan.resaleValue.toFixed(2)}

---

Total Upfront Cost: $${loan.totalUpfrontCost.toFixed(2)}

Total Cost of Buying (over ${loan.ownershipDurationYears} yrs): $${loan.totalCost.toFixed(2)}

Average Monthly Cost: $${loan.averageMonthlyCost.toFixed(2)}

`; const leaseBox = document.getElementById('alvlcLeaseResultsBox'); leaseBox.innerHTML = `

Lease Option

Lease Term: ${lease.leaseTermYears} years

Monthly Payment (before tax): $${lease.leaseMonthlyPaymentRaw.toFixed(2)}

Sales Tax (${(lease.salesTaxRate * 100).toFixed(2)}%): applied to payments & upfronts

Effective Monthly Payment (incl. tax): $${lease.leaseMonthlyPaymentWithTax.toFixed(2)}

Total Lease Payments (incl. tax): $${lease.totalLeasePayments.toFixed(2)}

Money Due at Signing (before tax): $${lease.leaseDueAtSigning.toFixed(2)}

Effective Due at Signing (incl. tax): $${lease.dueAtSigningWithTax.toFixed(2)}

Mileage Allowance: ${lease.leaseMileageAllowance.toLocaleString()} miles/year

Estimated Mileage Overage Cost: $${lease.mileageOverageCost.toFixed(2)}

Disposition Fee: $${lease.leaseDispositionFee.toFixed(2)}

---

Total Insurance (over ${lease.leaseTermYears} yrs): $${lease.totalInsurance.toFixed(2)}

Total Maintenance (over ${lease.leaseTermYears} yrs): $${lease.totalMaintenance.toFixed(2)}

---

Total Upfront Cost: $${lease.totalUpfrontCost.toFixed(2)}

Total Cost of Leasing (over ${lease.leaseTermYears} yrs): $${lease.totalCost.toFixed(2)}

Average Monthly Cost: $${lease.averageMonthlyCost.toFixed(2)}

`; const summaryDiv = document.getElementById('alvlcComparisonSummary'); let summaryText = `Comparing average monthly costs: Loan: $${loan.averageMonthlyCost.toFixed(2)} (over ${loan.ownershipDurationYears} yrs) vs. Lease: $${lease.averageMonthlyCost.toFixed(2)} (over ${lease.leaseTermYears} yrs).`; if (Math.abs(loan.averageMonthlyCost - lease.averageMonthlyCost) < 0.01) { summaryText += "
Both options have nearly identical average monthly costs over their respective terms."; } else if (loan.averageMonthlyCost < lease.averageMonthlyCost) { summaryText += `
Buying with a loan appears to have a lower average monthly cost.`; } else { summaryText += `
Leasing appears to have a lower average monthly cost.`; } summaryText += `
Note: This comparison is based on average monthly costs over potentially different durations (loan ownership vs. lease term). Consider the total costs and individual circumstances.`; summaryDiv.innerHTML = summaryText; } function alvlc_generatePdf() { const results = alvlc_calculateResults(); const loan = results.loan; const lease = results.lease; const { jsPDF } = window.jspdf; const doc = new jsPDF(); let yPos = 20; const primaryColor = getComputedStyle(document.documentElement).getPropertyValue('--primary-color').trim(); const accentColor = getComputedStyle(document.documentElement).getPropertyValue('--accent-color').trim(); const textColor = getComputedStyle(document.documentElement).getPropertyValue('--text-color').trim(); doc.setFontSize(20); doc.setTextColor(primaryColor); doc.text("Auto Loan vs. Lease Cost Comparison", doc.internal.pageSize.getWidth() / 2, yPos, { align: 'center' }); yPos += 15; // Helper to add sections and manage Y position function addSection(title, data, isLease = false) { if (yPos > 240) { doc.addPage(); yPos = 20; } doc.setFontSize(16); doc.setTextColor(primaryColor); doc.text(title, 14, yPos); yPos += 8; doc.setFontSize(10); doc.setTextColor(textColor); data.forEach(item => { if (yPos > 270) { doc.addPage(); yPos = 20; } doc.text(`${item.label}:`, 14, yPos); doc.text(`${item.value}`, 100, yPos); yPos += 6; }); yPos += 4; // Extra space after section } // Common Inputs for PDF const commonData = [ { label: "Vehicle Price / MSRP", value: `$${loan.vehiclePrice.toFixed(2)}` }, { label: "Sales Tax Rate", value: `${(loan.salesTaxRate * 100).toFixed(2)}%` }, { label: "Est. Annual Insurance", value: `$${loan.annualInsurance.toFixed(2)}` }, { label: "Est. Annual Maintenance", value: `$${loan.annualMaintenance.toFixed(2)}` } ]; addSection("Common Inputs", commonData); // Loan Details const loanData = [ { label: "Down Payment", value: `$${loan.loanDownPayment.toFixed(2)}` }, { label: "Loan Term", value: `${loan.loanTermYears} years` }, { label: "APR", value: `${loan.loanApr.toFixed(2)}%` }, { label: "Vehicle Sales Tax Amount", value: `$${loan.vehicleSalesTaxAmount.toFixed(2)}`}, { label: "Amount Financed", value: `$${loan.loanPrincipal.toFixed(2)}` }, { label: "Monthly Loan Payment", value: `$${loan.loanMonthlyPayment.toFixed(2)}` }, { label: "Total Interest Paid", value: `$${loan.totalInterestPaid.toFixed(2)}` }, { label: "Ownership Duration", value: `${loan.ownershipDurationYears} years` }, { label: "Total Insurance Cost", value: `$${loan.totalInsurance.toFixed(2)} (over ${loan.ownershipDurationYears} yrs)` }, { label: "Total Maintenance Cost", value: `$${loan.totalMaintenance.toFixed(2)} (over ${loan.ownershipDurationYears} yrs)` }, { label: "Estimated Resale Value", value: `$${loan.resaleValue.toFixed(2)}` }, { label: "Total Upfront Cost (Loan)", value: `$${loan.totalUpfrontCost.toFixed(2)}`}, { label: "TOTAL COST OF BUYING", value: `$${loan.totalCost.toFixed(2)} (over ${loan.ownershipDurationYears} yrs)` }, { label: "Average Monthly Cost (Loan)", value: `$${loan.averageMonthlyCost.toFixed(2)}` } ]; addSection("Loan (Buying) Details", loanData); // Lease Details const leaseData = [ { label: "Lease Term", value: `${lease.leaseTermYears} years` }, { label: "Monthly Payment (raw)", value: `$${lease.leaseMonthlyPaymentRaw.toFixed(2)}` }, { label: "Effective Monthly Payment (incl. tax)", value: `$${lease.leaseMonthlyPaymentWithTax.toFixed(2)}` }, { label: "Money Due at Signing (raw)", value: `$${lease.leaseDueAtSigning.toFixed(2)}` }, { label: "Effective Due at Signing (incl. tax)", value: `$${lease.dueAtSigningWithTax.toFixed(2)}`}, { label: "Annual Mileage Allowance", value: `${lease.leaseMileageAllowance.toLocaleString()} miles` }, { label: "Mileage Overage Cost", value: `$${lease.mileageOverageCost.toFixed(2)}` }, { label: "Disposition Fee", value: `$${lease.leaseDispositionFee.toFixed(2)}` }, { label: "Total Insurance Cost", value: `$${lease.totalInsurance.toFixed(2)} (over ${lease.leaseTermYears} yrs)` }, { label: "Total Maintenance Cost", value: `$${lease.totalMaintenance.toFixed(2)} (over ${lease.leaseTermYears} yrs)` }, { label: "Total Upfront Cost (Lease)", value: `$${lease.totalUpfrontCost.toFixed(2)}`}, { label: "TOTAL COST OF LEASING", value: `$${lease.totalCost.toFixed(2)} (over ${lease.leaseTermYears} yrs)` }, { label: "Average Monthly Cost (Lease)", value: `$${lease.averageMonthlyCost.toFixed(2)}` } ]; addSection("Lease Details", leaseData, true); // Summary Comparison if (yPos > 250) { doc.addPage(); yPos = 20; } doc.setFontSize(16); doc.setTextColor(primaryColor); doc.text("Comparison Summary", 14, yPos); yPos += 10; doc.setFontSize(11); doc.setTextColor(textColor); doc.text(`Average Monthly Cost (Loan): $${loan.averageMonthlyCost.toFixed(2)} over ${loan.ownershipDurationYears} years`, 14, yPos); yPos +=7; doc.text(`Average Monthly Cost (Lease): $${lease.averageMonthlyCost.toFixed(2)} over ${lease.leaseTermYears} years`, 14, yPos); yPos +=7; doc.setFont(undefined, 'bold'); if (Math.abs(loan.averageMonthlyCost - lease.averageMonthlyCost) < 0.01) { doc.text("Conclusion: Both options have nearly identical average monthly costs over their terms.", 14, yPos); } else if (loan.averageMonthlyCost < lease.averageMonthlyCost) { doc.setTextColor(accentColor); doc.text("Conclusion: Buying with a loan appears to have a lower average monthly cost.", 14, yPos); } else { doc.setTextColor(accentColor); doc.text("Conclusion: Leasing appears to have a lower average monthly cost.", 14, yPos); } yPos +=7; doc.setFont(undefined, 'normal'); doc.setTextColor(textColor); doc.setFontSize(9); doc.text("Note: This comparison is based on average monthly costs over potentially different durations.", 14, yPos); yPos+=4; doc.text("Consider the total costs, ownership benefits/drawbacks, and individual circumstances.", 14, yPos); doc.save('auto_loan_vs_lease_comparison.pdf'); } // Initialize document.addEventListener('DOMContentLoaded', () => { alvlc_showTab(0); // Set default values in HTML or here if needed // Call calculateAndDisplayResults on first load of results tab if desired, // but it's better to wait for user interaction or explicit navigation. });