Please ensure all fields are filled correctly, and loan terms are greater than zero.

"; rccLastCalculationData = null; return; } const currentMonthlyPayment = rccCalculateMonthlyPayment(currentBalance, currentRate, currentTermYears, currentTermMonths); const totalPaidCurrent = currentMonthlyPayment * totalCurrentTermMonths; const totalInterestCurrent = totalPaidCurrent - currentBalance; // For new loan, the principal is the current outstanding balance const newMonthlyPayment = rccCalculateMonthlyPayment(currentBalance, newRate, newTermYears, newTermMonths); const totalPaidNew = newMonthlyPayment * totalNewTermMonths; const totalInterestNew = totalPaidNew - currentBalance; const monthlyDifference = currentMonthlyPayment - newMonthlyPayment; const totalSavings = totalPaidCurrent - totalPaidNew; rccLastCalculationData = { currentBalance, currentRate, totalCurrentTermMonths, currentMonthlyPayment, totalPaidCurrent, totalInterestCurrent, newRate, totalNewTermMonths, newMonthlyPayment, totalPaidNew, totalInterestNew, monthlyDifference, totalSavings }; let outputHTML = `

Comparison

Metric	Current Loan	New Loan
Loan Balance	$${currentBalance.toFixed(2)}	$${currentBalance.toFixed(2)}
Annual Interest Rate	${currentRate.toFixed(2)}%	${newRate.toFixed(2)}%
Loan Term	${totalCurrentTermMonths} months	${totalNewTermMonths} months
Monthly Payment	$${currentMonthlyPayment.toFixed(2)}	$${newMonthlyPayment.toFixed(2)}
Total Interest Paid	$${totalInterestCurrent.toFixed(2)}	$${totalInterestNew.toFixed(2)}
Total Amount Paid	$${totalPaidCurrent.toFixed(2)}	$${totalPaidNew.toFixed(2)}

Summary of Changes

Change in Monthly Payment: ${monthlyDifference >= 0 ? 'Save $' : 'Costs $'} ${Math.abs(monthlyDifference).toFixed(2)} per month

Potential Total Savings Over Loan Life: ${totalSavings >= 0 ? 'Save $' : 'Costs $'} ${Math.abs(totalSavings).toFixed(2)}

`; resultsOutput.innerHTML = outputHTML; } // --- PDF Download Functionality --- function rccDownloadPDF() { if (!rccLastCalculationData) { alert("Please calculate the results first before downloading the PDF."); // Optionally, switch to results tab and calculate rccSwitchTab(null, 'rccResultsTab'); rccCalculateRefinance(); if (!rccLastCalculationData) return; // Still no data after trying to calculate } const { jsPDF } = window.jspdf; const doc = new jsPDF(); const { currentBalance, currentRate, totalCurrentTermMonths, currentMonthlyPayment, totalPaidCurrent, totalInterestCurrent, newRate, totalNewTermMonths, newMonthlyPayment, totalPaidNew, totalInterestNew, monthlyDifference, totalSavings } = rccLastCalculationData; let y = 20; const lineSpacing = 7; const sectionSpacing = 10; const indent = 15; const primaryColor = [0, 121, 107]; // RGB for #00796b doc.setFontSize(16); doc.setTextColor(primaryColor[0], primaryColor[1], primaryColor[2]); doc.text("Car Loan Refinancing Report", doc.internal.pageSize.getWidth() / 2, y, { align: 'center' }); y += sectionSpacing * 1.5; doc.setFontSize(12); doc.setTextColor(51, 51, 51); // #333 // Current Loan Details doc.setFontSize(14); doc.setTextColor(primaryColor[0], primaryColor[1], primaryColor[2]); doc.text("Current Loan Details", indent, y); y += lineSpacing * 1.5; doc.setFontSize(10); doc.setTextColor(51, 51, 51); doc.text(`Outstanding Balance: $${currentBalance.toFixed(2)}`, indent + 5, y); y += lineSpacing; doc.text(`Annual Interest Rate: ${currentRate.toFixed(2)}%`, indent + 5, y); y += lineSpacing; doc.text(`Remaining Term: ${totalCurrentTermMonths} months`, indent + 5, y); y += lineSpacing; doc.setFont(undefined, 'bold'); doc.text(`Estimated Monthly Payment: $${currentMonthlyPayment.toFixed(2)}`, indent + 5, y); y += lineSpacing; doc.setFont(undefined, 'normal'); doc.text(`Total Interest to be Paid: $${totalInterestCurrent.toFixed(2)}`, indent + 5, y); y += lineSpacing; doc.text(`Total Amount to be Paid: $${totalPaidCurrent.toFixed(2)}`, indent + 5, y); y += sectionSpacing; // New Loan Offer doc.setFontSize(14); doc.setTextColor(primaryColor[0], primaryColor[1], primaryColor[2]); doc.text("New Loan Offer Details", indent, y); y += lineSpacing * 1.5; doc.setFontSize(10); doc.setTextColor(51, 51, 51); doc.text(`Refinanced Loan Balance: $${currentBalance.toFixed(2)}`, indent + 5, y); y += lineSpacing; doc.text(`New Annual Interest Rate: ${newRate.toFixed(2)}%`, indent + 5, y); y += lineSpacing; doc.text(`New Loan Term: ${totalNewTermMonths} months`, indent + 5, y); y += lineSpacing; doc.setFont(undefined, 'bold'); doc.text(`New Monthly Payment: $${newMonthlyPayment.toFixed(2)}`, indent + 5, y); y += lineSpacing; doc.setFont(undefined, 'normal'); doc.text(`Total Interest to be Paid: $${totalInterestNew.toFixed(2)}`, indent + 5, y); y += lineSpacing; doc.text(`Total Amount to be Paid: $${totalPaidNew.toFixed(2)}`, indent + 5, y); y += sectionSpacing; // Summary of Changes doc.setFontSize(14); doc.setTextColor(primaryColor[0], primaryColor[1], primaryColor[2]); doc.text("Summary of Changes", indent, y); y += lineSpacing * 1.5; doc.setFontSize(12); doc.setTextColor(51, 51, 51); let monthlyChangeText = `Change in Monthly Payment: ${monthlyDifference >= 0 ? 'Save $' : 'Costs $'}${Math.abs(monthlyDifference).toFixed(2)} per month`; if (monthlyDifference >= 0) doc.setTextColor(39, 174, 96); // Green for savings else doc.setTextColor(192, 57, 43); // Red for cost doc.text(monthlyChangeText, indent + 5, y); y += lineSpacing; doc.setTextColor(51, 51, 51); // Reset color let totalSavingsText = `Potential Total Savings: ${totalSavings >= 0 ? 'Save $' : 'Costs $'}${Math.abs(totalSavings).toFixed(2)} over loan life`; if (totalSavings >= 0) doc.setTextColor(39, 174, 96); else doc.setTextColor(192, 57, 43); doc.text(totalSavingsText, indent + 5, y); y += lineSpacing; doc.setTextColor(51, 51, 51); doc.save("Car_Loan_Refinance_Summary.pdf"); } // Initial setup rccUpdateNavButtons(); // Set initial state of nav buttons // Make functions globally accessible if called from inline HTML window.rccSwitchTab = rccSwitchTab; window.rccNavigateTab = rccNavigateTab; window.rccCalculateRefinance = rccCalculateRefinance; window.rccDownloadPDF = rccDownloadPDF;