Emergency fund shortfall of ${fsef_formatCurrency(efShortfall)} remains unaddressed by this allocation.

`; } const sc1Div = document.createElement('div'); sc1Div.className = 'fsef-allocation-scenario'; sc1Div.innerHTML = scenario1Html; allocationScenariosDiv.appendChild(sc1Div); let scenario2Html = "

Scenario 2: Prioritize Emergency Fund

"; scenario2Html += `

Allocating ${fsef_formatCurrency(monthlyAllocation)}/month fully to Emergency Fund.

`; if (efShortfall > 0) { const timeToEf2 = Math.ceil(efShortfall / monthlyAllocation); scenario2Html += `

Time to reach Emergency Fund target: ${fsef_formatMonthsToYearsMonths(timeToEf2)}.

`; } else { scenario2Html += `

Emergency Fund target already reached.

`; } if(totalRecommendedAnnualFsa > 0) { scenario2Html += `

Note: By not contributing to FSA, you would forgo potential annual tax savings of ${fsef_formatCurrency(annualFsaTaxSavings)}.

`; } const sc2Div = document.createElement('div'); sc2Div.className = 'fsef-allocation-scenario'; sc2Div.innerHTML = scenario2Html; allocationScenariosDiv.appendChild(sc2Div); } else { allocationScenariosDiv.innerHTML = "

Enter a monthly allocation amount to see scenarios.

"; } document.getElementById('fsef-allocationSummaryContainer').style.display = 'block'; document.getElementById('fsef-noAllocationSummaryMessage').style.display = 'none'; // Prepare data for PDF fsef_pdfDataStore = { fsaHcItems: JSON.parse(JSON.stringify(fsef_hcFsaItems)), fsaDcItems: JSON.parse(JSON.stringify(fsef_dcFsaItems)), marginalTaxRate: fsef_getInputNum('fsef-marginalTaxRate', 25), totalRecommendedFsa: totalRecommendedAnnualFsa, fsaTaxSavings: annualFsaTaxSavings, fsaMonthlyPreTax: actualMonthlyFsaPreTaxContribution || 0, fsaEffectiveMonthlyPostTaxCost: fsaEffectiveMonthlyPostTaxCost > 0 ? fsaEffectiveMonthlyPostTaxCost : 0, efMonthlyExpenses: fsef_getInputNum('fsef-efMonthlyExpenses', 0), efCoverageMonths: fsef_getInputNum('fsef-efCoverageMonths', 6), efTarget, efCurrentBalance, efShortfall, efMonthlyContribution: fsef_getInputNum('fsef-efMonthlyContribution', 0), efTimeToTarget: document.getElementById('fsef-efTimeToTargetDisplay').textContent, monthlyAllocationAmount: monthlyAllocation, scenario1DetailsForPdf: allocationScenariosDiv.children[0] ? allocationScenariosDiv.children[0].innerText.replace(/\n\n/g, '\n') : "N/A", scenario2DetailsForPdf: allocationScenariosDiv.children[1] ? allocationScenariosDiv.children[1].innerText.replace(/\n\n/g, '\n') : "N/A" }; } catch (e) { console.error("Error updating allocation summary:", e.stack); } } function fsef_downloadPDF() { try { if (!fsef_pdfDataStore) { fsef_updateAllocationSummary(); if (!fsef_pdfDataStore) { alert("Please complete the planners and view the summary before downloading PDF."); return; } } if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert('PDF library (jsPDF) not loaded.'); return; } const { jsPDF } = window.jspdf; const doc = new jsPDF('p', 'pt'); if (typeof doc.autoTable !== 'function') { alert('PDF Table plugin (jsPDF-AutoTable) not loaded.'); return; } const data = fsef_pdfDataStore; const primaryColor = getComputedStyle(document.documentElement).getPropertyValue('--fsef-primary-color').trim(); const secondaryColor = getComputedStyle(document.documentElement).getPropertyValue('--fsef-secondary-color').trim(); let yPos = 40; doc.setFontSize(18); doc.setTextColor(primaryColor); doc.text("FSA vs. Emergency Fund Plan", doc.internal.pageSize.getWidth() / 2, yPos, { align: 'center' }); yPos += 25; doc.setFontSize(14); doc.setTextColor(primaryColor); doc.text("Flexible Spending Account (FSA) Summary", 14, yPos); yPos += 15; doc.setFontSize(10); doc.setTextColor(50); let fsaDetailsBody = [ ["Marginal Tax Rate:", `${data.marginalTaxRate.toFixed(1)}%`], ["Total Recommended Annual FSA Contribution:", fsef_formatCurrency(data.totalRecommendedFsa)], ["Estimated Annual Tax Savings:", fsef_formatCurrency(data.fsaTaxSavings)], ["Effective Monthly Pre-Tax FSA Contribution:", fsef_formatCurrency(data.fsaMonthlyPreTax)], ["Effective Monthly Cost of FSA (Post-Tax Est.):", fsef_formatCurrency(data.fsaEffectiveMonthlyPostTaxCost)] ]; doc.autoTable({startY: yPos, body: fsaDetailsBody, theme: 'plain', styles:{fontSize:9}, columnStyles:{0:{fontStyle:'bold', cellWidth:250}}}); yPos = doc.lastAutoTable.finalY + 10; if (data.fsaHcItems.length > 0) { if (yPos > doc.internal.pageSize.getHeight() - 60) { doc.addPage(); yPos = 40;} doc.setFontSize(10); doc.setTextColor(primaryColor); doc.text("Healthcare FSA - Estimated Annual Expenses:", 14, yPos); yPos += 12; doc.autoTable({startY: yPos, head:[["Expense", "Amount ($)"]], body: data.fsaHcItems.map(i => [i.name, i.amount.toFixed(2)]), theme:'grid', headStyles:{fillColor:primaryColor,textColor:[255,255,255]}, styles:{fontSize:8}, columnStyles:{1:{halign:'right'}} }); yPos = doc.lastAutoTable.finalY + 10; } if (data.fsaDcItems.length > 0) { if (yPos > doc.internal.pageSize.getHeight() - 60) { doc.addPage(); yPos = 40;} doc.setFontSize(10); doc.setTextColor(primaryColor); doc.text("Dependent Care FSA - Estimated Annual Expenses:", 14, yPos); yPos += 12; doc.autoTable({startY: yPos, head:[["Expense", "Amount ($)"]], body: data.fsaDcItems.map(i => [i.name, i.amount.toFixed(2)]), theme:'grid', headStyles:{fillColor:primaryColor,textColor:[255,255,255]}, styles:{fontSize:8}, columnStyles:{1:{halign:'right'}} }); yPos = doc.lastAutoTable.finalY + 15; } if (yPos > doc.internal.pageSize.getHeight() - 100) { doc.addPage(); yPos = 40;} doc.setFontSize(14); doc.setTextColor(secondaryColor); doc.text("Emergency Fund Plan", 14, yPos); yPos += 15; doc.setFontSize(10); doc.setTextColor(50); const efDetailsBody = [ ["Monthly Essential Living Expenses:", fsef_formatCurrency(data.efMonthlyExpenses)], ["Desired Months of Coverage:", `${data.efCoverageMonths} months`], ["Emergency Fund Target:", fsef_formatCurrency(data.efTarget)], ["Current Emergency Fund Balance:", fsef_formatCurrency(data.efCurrentBalance)], ["Emergency Fund Shortfall:", fsef_formatCurrency(data.efShortfall)], ["Planned Monthly Contribution to EF:", fsef_formatCurrency(data.efMonthlyContribution)], ["Est. Time to Reach EF Target:", data.efTimeToTarget] ]; doc.autoTable({startY: yPos, body: efDetailsBody, theme: 'plain', styles:{fontSize:9}, columnStyles:{0:{fontStyle:'bold', cellWidth:250}}}); yPos = doc.lastAutoTable.finalY + 15; if (yPos > doc.internal.pageSize.getHeight() - 120) { doc.addPage(); yPos = 40;} doc.setFontSize(14); doc.setTextColor(secondaryColor); doc.text("Allocation Consideration", 14, yPos); yPos += 15; doc.setFontSize(10); doc.setTextColor(50); doc.text(`Monthly Amount Available for FSA & EF Savings: ${fsef_formatCurrency(data.monthlyAllocationAmount)}`, 14, yPos); yPos += 15; [data.scenario1DetailsForPdf, data.scenario2DetailsForPdf].forEach((scText, index) => { if (scText && scText !== "N/A") { if (yPos > doc.internal.pageSize.getHeight() - 60) { doc.addPage(); yPos = 40;} doc.setFontSize(10); doc.setTextColor(primaryColor); doc.setFont(undefined, 'bold'); doc.text(index === 0 ? "Scenario 1: Prioritize FSA" : "Scenario 2: Prioritize Emergency Fund", 14, yPos); yPos += 12; doc.setFont(undefined, 'normal'); doc.setTextColor(50); const splitDetails = doc.splitTextToSize(scText, doc.internal.pageSize.getWidth() - 40); doc.text(splitDetails, 20, yPos); yPos += (splitDetails.length * 10) + 10; } }); const pageCount = doc.internal.getNumberOfPages(); for (let i = 1; i <= pageCount; i++) { doc.setPage(i); doc.setFontSize(8); doc.setTextColor(150); doc.text(`Page ${i} of ${pageCount}`, doc.internal.pageSize.getWidth() / 2, doc.internal.pageSize.getHeight() - 20, { align: 'center' }); doc.text(`Generated on: ${new Date().toLocaleDateString('en-US', {year:'numeric', month:'short', day:'numeric'})}`, 14, doc.internal.pageSize.getHeight() - 20); doc.text(`FSA vs. EF Planner`, doc.internal.pageSize.getWidth() - 14, doc.internal.pageSize.getHeight() - 20, { align: 'right' }); } doc.save("FSA_vs_EmergencyFund_Plan.pdf"); } catch(e) { console.error("Error in fsef_downloadPDF:", e.stack); alert("Error generating PDF: " + e.message); } } document.addEventListener('DOMContentLoaded', () => { try { if (fsef_tabs.length > 0 && fsef_tabs[0]) fsef_openTab(null, fsef_tabs[0].id); else { console.error("No tabs found for initialization."); } fsef_updateNavButtons(); fsef_renderFsaList('hc'); fsef_renderFsaList('dc'); fsef_calculateFsaSummary(); fsef_calculateEfSummary(); // Delay initial allocation summary to ensure other calcs complete. setTimeout(fsef_updateAllocationSummary, 100); const inputsToTriggerFSA = ['fsef-marginalTaxRate']; inputsToTriggerFSA.forEach(id => { const el = document.getElementById(id); if(el) el.addEventListener('input', fsef_calculateFsaSummary); else console.warn(`Input ${id} for FSA trigger not found.`); }); const inputsToTriggerEF = ['fsef-efMonthlyExpenses', 'fsef-efCurrentBalance', 'fsef-efMonthlyContribution']; inputsToTriggerEF.forEach(id => { const el = document.getElementById(id); if(el) el.addEventListener('input', fsef_calculateEfSummary); else console.warn(`Input ${id} for EF trigger not found.`); }); const efCoverageSelect = document.getElementById('fsef-efCoverageMonths'); if(efCoverageSelect) efCoverageSelect.addEventListener('change', fsef_calculateEfSummary); else console.warn("EF Coverage select not found."); const monthlyAllocationInput = document.getElementById('fsef-monthlyAllocationAmount'); if(monthlyAllocationInput) monthlyAllocationInput.addEventListener('input', fsef_updateAllocationSummary); else console.warn("Monthly allocation input not found."); const primaryColorVal = getComputedStyle(document.documentElement).getPropertyValue('--fsef-primary-color').trim(); if (primaryColorVal.startsWith('#')) { const r = parseInt(primaryColorVal.slice(1, 3), 16); const g = parseInt(primaryColorVal.slice(3, 5), 16); const b = parseInt(primaryColorVal.slice(5, 7), 16); if (!isNaN(r) && !isNaN(g) && !isNaN(b)) { document.documentElement.style.setProperty('--fsef-primary-color-rgb', `${r},${g},${b}`); } else { // Fallback document.documentElement.style.setProperty('--fsef-primary-color-rgb', `0,123,255`); } } else { // Fallback document.documentElement.style.setProperty('--fsef-primary-color-rgb', `0,123,255`); } } catch (e) { console.error("Error during DOMContentLoaded setup:", e.stack); alert("An error occurred initializing the tool. Please check the console (Right-click -> Inspect -> Console)."); } });