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"; } return; } function formatCurrency(amount, showSign = false) { const sign = amount < 0 ? "-" : (showSign && amount > 0 ? "+" : ""); const absAmount = Math.abs(amount); return `${sign}$${absAmount.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,')}`; } function getNumericValue(element, defaultValue = 0) { if (!element) return defaultValue; const value = parseFloat(element.value); return isNaN(value) || value < 0 ? defaultValue : value; } function calculateMonthlyPayment(principal, annualInterestRatePercent, termMonths) { if (principal <= 0 || termMonths <= 0) return 0; if (annualInterestRatePercent < 0) return 0; if (annualInterestRatePercent === 0) { return principal / termMonths; } const monthlyRate = (annualInterestRatePercent / 100) / 12; // M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1] const numerator = monthlyRate * Math.pow(1 + monthlyRate, termMonths); const denominator = Math.pow(1 + monthlyRate, termMonths) - 1; if (denominator === 0) return principal / termMonths; // Should not happen with valid positive rate & term return principal * (numerator / denominator); } function calculateAndDisplayBLRC() { const currentBalance = getNumericValue(blrcCurrentLoanBalance); const currentRate = getNumericValue(blrcCurrentAnnualInterestRate); const currentTerm = getNumericValue(blrcCurrentRemainingTermMonths, 1); // Min 1 month const newRate = getNumericValue(blrcNewAnnualInterestRate); const newTerm = getNumericValue(blrcNewLoanTermMonths, 1); // Min 1 month const fees = getNumericValue(blrcRefinanceFees); // Current Loan Calculations const currentMonthlyPayment = calculateMonthlyPayment(currentBalance, currentRate, currentTerm); const currentTotalPaid = currentMonthlyPayment * currentTerm; const currentTotalInterest = (currentTotalPaid > 0 && currentBalance > 0) ? currentTotalPaid - currentBalance : 0; // New Loan Calculations (Principal for new loan is the current outstanding balance) const newMonthlyPayment = calculateMonthlyPayment(currentBalance, newRate, newTerm); const newTotalPaid = newMonthlyPayment * newTerm; const newTotalInterest = (newTotalPaid > 0 && currentBalance > 0) ? newTotalPaid - currentBalance : 0; // Comparison const monthlyChange = currentMonthlyPayment - newMonthlyPayment; const interestSaved = currentTotalInterest - newTotalInterest; const netSavings = interestSaved - fees; let breakevenMonths = "N/A"; if (monthlyChange > 0 && fees >= 0) { if (fees === 0) { breakevenMonths = "Immediate (0 fees)"; } else { breakevenMonths = Math.ceil(fees / monthlyChange) + " months"; } } else if (monthlyChange <= 0 && fees > 0) { breakevenMonths = "Not Achievable (monthly payment does not decrease enough to cover fees)"; } else if (monthlyChange <=0 && fees === 0) { breakevenMonths = "N/A (no monthly savings)"; } // Update Tab 1 Displays blrcCurrentMonthlyPaymentDisplay.textContent = formatCurrency(currentMonthlyPayment); blrcCurrentTotalInterestDisplay.textContent = formatCurrency(currentTotalInterest); // Update Tab 2 Displays blrcNewMonthlyPaymentDisplay.textContent = formatCurrency(newMonthlyPayment); blrcNewTotalInterestDisplay.textContent = formatCurrency(newTotalInterest); // Update Tab 3 (Summary) Displays blrcSummaryCurrentPayment.textContent = formatCurrency(currentMonthlyPayment); blrcSummaryNewPayment.textContent = formatCurrency(newMonthlyPayment); blrcSummaryMonthlyChange.textContent = formatCurrency(monthlyChange, true); blrcSummaryMonthlyChange.className = monthlyChange > 0 ? 'blrc-positive' : (monthlyChange < 0 ? 'blrc-negative' : 'blrc-neutral'); blrcSummaryCurrentTotalInterest.textContent = formatCurrency(currentTotalInterest); blrcSummaryNewTotalInterest.textContent = formatCurrency(newTotalInterest); blrcSummaryInterestSaved.textContent = formatCurrency(interestSaved, true); blrcSummaryInterestSaved.className = interestSaved > 0 ? 'blrc-positive' : (interestSaved < 0 ? 'blrc-negative' : 'blrc-neutral'); blrcSummaryRefinanceFees.textContent = formatCurrency(fees); blrcSummaryNetSavings.textContent = formatCurrency(netSavings, true); blrcSummaryNetSavings.className = netSavings > 0 ? 'blrc-positive' : (netSavings < 0 ? 'blrc-negative' : 'blrc-neutral'); blrcSummaryBreakeven.textContent = breakevenMonths; blrcSummaryBreakeven.className = (breakevenMonths.includes("Immediate") || breakevenMonths.includes("months")) && !breakevenMonths.includes("Not Achievable") ? 'blrc-positive' : 'blrc-neutral'; } function switchTabBLRC(tabIndex) { blrcTabs.forEach(tab => tab.classList.remove('active')); blrcTabContents.forEach(content => content.classList.remove('active')); if (blrcTabs[tabIndex]) blrcTabs[tabIndex].classList.add('active'); if (blrcTabContents[tabIndex]) blrcTabContents[tabIndex].classList.add('active'); blrcCurrentTab = tabIndex; if (blrcPrevBtn) blrcPrevBtn.style.display = blrcCurrentTab === 0 ? 'none' : 'inline-block'; if (blrcNextBtn) blrcNextBtn.style.display = blrcCurrentTab === blrcTabs.length - 1 ? 'none' : 'inline-block'; calculateAndDisplayBLRC(); // Recalculate when switching tabs for updated summary } blrcTabs.forEach((tab, index) => { if (tab) tab.addEventListener('click', () => switchTabBLRC(index)); }); if (blrcNextBtn) { blrcNextBtn.addEventListener('click', () => { if (blrcCurrentTab < blrcTabs.length - 1) switchTabBLRC(blrcCurrentTab + 1); }); } if (blrcPrevBtn) { blrcPrevBtn.addEventListener('click', () => { if (blrcCurrentTab > 0) switchTabBLRC(blrcCurrentTab - 1); }); } blrcAllInputs.forEach(input => { if (input) { input.addEventListener('input', calculateAndDisplayBLRC); input.addEventListener('change', calculateAndDisplayBLRC); } }); function generateBlrcPdf() { const { jsPDF } = window.jspdf; if (!jsPDF || !jsPDF.API.autoTable) { alert("Error: PDF generation library (jsPDF with autoTable) not loaded."); return; } const doc = new jsPDF(); // Recalculate values to ensure they are current for PDF const currentBalance = getNumericValue(blrcCurrentLoanBalance); const currentRate = getNumericValue(blrcCurrentAnnualInterestRate); const currentTerm = getNumericValue(blrcCurrentRemainingTermMonths, 1); const newRate = getNumericValue(blrcNewAnnualInterestRate); const newTerm = getNumericValue(blrcNewLoanTermMonths, 1); const fees = getNumericValue(blrcRefinanceFees); const currentMonthlyPayment = calculateMonthlyPayment(currentBalance, currentRate, currentTerm); const currentTotalInterest = (currentMonthlyPayment * currentTerm) - currentBalance; const newMonthlyPayment = calculateMonthlyPayment(currentBalance, newRate, newTerm); const newTotalInterest = (newMonthlyPayment * newTerm) - currentBalance; const monthlyChange = currentMonthlyPayment - newMonthlyPayment; const interestSaved = currentTotalInterest - newTotalInterest; const netSavings = interestSaved - fees; let breakevenMonthsText = "N/A"; if (monthlyChange > 0 && fees >= 0) { breakevenMonthsText = (fees === 0) ? "Immediate (0 fees)" : Math.ceil(fees / monthlyChange) + " months"; } else if (monthlyChange <= 0 && fees > 0) { breakevenMonthsText = "Not Achievable"; } let yPos = 20; const leftMargin = 15; doc.setFontSize(18); doc.text("Business Loan Refinancing Analysis", doc.internal.pageSize.width / 2, yPos, { align: 'center' }); yPos += 10; doc.setFontSize(10); doc.text(`Report Generated: ${new Date().toLocaleDateString()}`, leftMargin, yPos); yPos += 10; // Current Loan Section doc.setFontSize(14); doc.text("Current Loan Details", leftMargin, yPos); yPos += 5; const currentLoanData = [ ["Outstanding Balance:", formatCurrency(currentBalance)], ["Annual Interest Rate:", `${currentRate.toFixed(2)}%`], ["Remaining Term:", `${currentTerm} months`], ["Estimated Monthly Payment:", formatCurrency(currentMonthlyPayment)], ["Total Remaining Interest:", formatCurrency(currentTotalInterest > 0 ? currentTotalInterest : 0)] ]; doc.autoTable({ startY: yPos, head: [['Parameter', 'Value']], body: currentLoanData, theme: 'striped', headStyles: { fillColor: [75,75,75] } }); yPos = doc.lastAutoTable.finalY + 10; // New Loan Section doc.setFontSize(14); doc.text("New Loan Offer Details", leftMargin, yPos); yPos += 5; const newLoanData = [ ["Proposed Annual Interest Rate:", `${newRate.toFixed(2)}%`], ["New Loan Term:", `${newTerm} months`], ["Refinancing Fees/Costs:", formatCurrency(fees)], ["Estimated Monthly Payment:", formatCurrency(newMonthlyPayment)], ["Total Interest on New Loan:", formatCurrency(newTotalInterest > 0 ? newTotalInterest : 0)] ]; doc.autoTable({ startY: yPos, head: [['Parameter', 'Value']], body: newLoanData, theme: 'striped', headStyles: { fillColor: [75,75,75] } }); yPos = doc.lastAutoTable.finalY + 10; // Summary Section doc.setFontSize(14); doc.text("Refinancing Comparison Summary", leftMargin, yPos); yPos += 5; const summaryData = [ ["Change in Monthly Payment:", formatCurrency(monthlyChange, true)], ["Total Interest Saved/(Increased):", formatCurrency(interestSaved, true)], ["Net Savings from Refinancing (After Fees):", formatCurrency(netSavings, true)], ["Breakeven Point (Months to Recoup Fees):", breakevenMonthsText] ]; doc.autoTable({ startY: yPos, head: [['Comparison Metric', 'Result']], body: summaryData, theme: 'grid', headStyles: { fillColor: [52, 152, 219] }, // Blue header didParseCell: function (data) { if (data.section === 'body') { data.cell.styles.fontStyle = 'bold'; if (data.row.index === 0) data.cell.styles.textColor = monthlyChange > 0 ? [39, 174, 96] : (monthlyChange < 0 ? [192, 57, 43] : [41,128,185]); if (data.row.index === 1) data.cell.styles.textColor = interestSaved > 0 ? [39, 174, 96] : (interestSaved < 0 ? [192, 57, 43] : [41,128,185]); if (data.row.index === 2) data.cell.styles.textColor = netSavings > 0 ? [39, 174, 96] : (netSavings < 0 ? [192, 57, 43] : [41,128,185]); } } }); doc.save('Business_Loan_Refinancing_Analysis.pdf'); } if (blrcPdfDownloadButton) { blrcPdfDownloadButton.addEventListener('click', generateBlrcPdf); } // Initial setup switchTabBLRC(0); // Show first tab calculateAndDisplayBLRC(); // Initial calculation });