Projection years must be greater than 0.

"; return; } let detailedBreakdown = []; let futureTotalAnnual = 0; categories.forEach(cat => { const inflationToUse = (cat.specificInflationRate !== null ? cat.specificInflationRate : overallInflationRate) / 100; const futureCost = cat.currentAnnualSpending * Math.pow(1 + inflationToUse, projectionYears); futureTotalAnnual += futureCost; detailedBreakdown.push({ name: cat.name, currentAnnualSpending: cat.currentAnnualSpending, inflationRateUsed: (inflationToUse * 100), futureAnnualSpending: futureCost, futureMonthlySpending: futureCost / 12, percentOfFutureTotal: 0 // Will calculate after total }); }); detailedBreakdown.forEach(cat => { cat.percentOfFutureTotal = futureTotalAnnual > 0 ? (cat.futureAnnualSpending / futureTotalAnnual) * 100 : 0; }); const currentTotal = futureCostReportData.projections.currentTotalAnnualSpending; const overallIncrease = currentTotal > 0 ? ((futureTotalAnnual - currentTotal) / currentTotal) * 100 : (futureTotalAnnual > 0 ? Infinity : 0) ; futureCostReportData.projections.detailedBreakdown = detailedBreakdown; futureCostReportData.projections.futureTotalAnnualSpending = futureTotalAnnual; futureCostReportData.projections.futureTotalMonthlySpending = futureTotalAnnual / 12; futureCostReportData.projections.overallPercentageIncrease = overallIncrease; futureCostReportData.projections.lifestyleAdjustmentPercent = getFCLPNum('lifestyleAdjustmentFCLP'); // Get current value applyLifestyleAdjustment(false); // Apply any existing lifestyle adjustment silently displayFutureCostResults(); document.getElementById('downloadFutureCostPdfButton').disabled = false; if (autoNavigate) { openFCLPTab(null, 'projectionTabFCLP'); } } function displayFutureCostResults() { const { projections } = futureCostReportData; const container = document.getElementById('futureCostResultsContainerFCLP'); let resultsHTML = `

Total Current Annual Expenses: $${projections.currentTotalAnnualSpending.toFixed(2)}

---

Projected Future Costs (after ${futureCostReportData.inputs.projectionYears} years):

Projected Total Future Annual Expenses: $${projections.futureTotalAnnualSpending.toFixed(2)}

Projected Total Future Monthly Expenses: $${projections.futureTotalMonthlySpending.toFixed(2)}

Overall Percentage Increase in Cost of Living: ${isFinite(projections.overallPercentageIncrease) ? projections.overallPercentageIncrease.toFixed(1) + '%' : 'N/A (Current spending is $0)'}

`; resultsHTML += `

Detailed Future Spending Breakdown:

`; container.innerHTML = resultsHTML; // Update lifestyle adjustment display if it was set displayLifestyleAdjustmentResult(); } function applyLifestyleAdjustment(showAlert = true) { if (futureCostReportData.projections.futureTotalAnnualSpending === 0 && showAlert) { alert("Please calculate the base projection first (Tab 1 button)."); return; } const adjustmentPercent = getFCLPNum('lifestyleAdjustmentFCLP') / 100; futureCostReportData.projections.lifestyleAdjustmentPercent = getFCLPNum('lifestyleAdjustmentFCLP'); // Store as percent const baseFutureAnnual = futureCostReportData.projections.futureTotalAnnualSpending; futureCostReportData.projections.adjustedFutureTotalAnnualSpending = baseFutureAnnual * (1 + adjustmentPercent); if (showAlert) { displayLifestyleAdjustmentResult(); } } function displayLifestyleAdjustmentResult(){ const adjOutputDiv = document.getElementById('adjustedFutureCostOutputFCLP'); const { adjustedFutureTotalAnnualSpending, lifestyleAdjustmentPercent } = futureCostReportData.projections; if (adjustedFutureTotalAnnualSpending !== null && lifestyleAdjustmentPercent !== 0) { adjOutputDiv.innerHTML = `

Lifestyle Adjusted Future Annual Expenses (${lifestyleAdjustmentPercent > 0 ? '+' : ''}${lifestyleAdjustmentPercent}%): $${adjustedFutureTotalAnnualSpending.toFixed(2)}

Lifestyle Adjusted Future Monthly Expenses: $${(adjustedFutureTotalAnnualSpending / 12).toFixed(2)}

`; adjOutputDiv.style.display = 'block'; } else if (adjustedFutureTotalAnnualSpending !== null && lifestyleAdjustmentPercent === 0) { adjOutputDiv.innerHTML = `

No lifestyle adjustment applied. Projected future costs remain as calculated initially.

`; adjOutputDiv.style.display = 'block'; } else { adjOutputDiv.style.display = 'none'; } } function displayOverallFCLPSummary() { const container = document.getElementById('fclpOverallSummaryContainer'); if (futureCostReportData.projections.futureTotalAnnualSpending === 0 && futureCostReportData.projections.currentTotalAnnualSpending === 0) { container.innerHTML = "

Complete the projection on previous tabs to view the summary.

"; document.getElementById('downloadFutureCostPdfButton').disabled = true; return; } const { inputs, projections } = futureCostReportData; let summaryHTML = `

Projection Summary for "${inputs.baseYearLabel}"

Projection Horizon: ${inputs.projectionYears} years

Overall Avg. Annual Inflation Rate Used (default): ${inputs.overallInflationRate.toFixed(1)}%

---

Total Current Annual Expenses: $${projections.currentTotalAnnualSpending.toFixed(2)}

Total Projected Future Annual Expenses: $${projections.futureTotalAnnualSpending.toFixed(2)}

Total Projected Future Monthly Expenses: $${projections.futureTotalMonthlySpending.toFixed(2)}

Overall Cost of Living Increase: ${isFinite(projections.overallPercentageIncrease) ? projections.overallPercentageIncrease.toFixed(1) + '%' : 'N/A'}

`; if (projections.adjustedFutureTotalAnnualSpending !== null && projections.lifestyleAdjustmentPercent !== 0) { summaryHTML += `

---

With ${projections.lifestyleAdjustmentPercent > 0 ? '+' : ''}${projections.lifestyleAdjustmentPercent}% Lifestyle Adjustment:

Adjusted Future Annual Expenses: $${projections.adjustedFutureTotalAnnualSpending.toFixed(2)}

Adjusted Future Monthly Expenses: $${(projections.adjustedFutureTotalAnnualSpending / 12).toFixed(2)}

`; } // Top categories by future cost const topCategories = [...projections.detailedBreakdown].sort((a,b) => b.futureAnnualSpending - a.futureAnnualSpending).slice(0,3); if(topCategories.length > 0){ summaryHTML += `

Top 3 Projected Future Spending Categories:

`; topCategories.forEach(cat => { summaryHTML += `
• ${cat.name}: $${cat.futureAnnualSpending.toFixed(2)}/year
`; }); summaryHTML += `

`; } container.innerHTML = summaryHTML; document.getElementById('downloadFutureCostPdfButton').disabled = false; } function downloadFutureCostPdf() { if (futureCostReportData.projections.futureTotalAnnualSpending === 0 && futureCostReportData.projections.currentTotalAnnualSpending === 0) { alert("Please calculate a projection first."); return; } if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert('PDF generation library (jsPDF) is not loaded.'); return; } const jsPDFConstructor = window.jspdf.jsPDF; const doc = new jsPDFConstructor(); if (typeof doc.autoTable !== 'function') { alert('jsPDF AutoTable plugin not loaded.'); return; } calculateFutureCostsAndProceed(false); // Ensure data is freshest before PDF const { inputs, projections } = futureCostReportData; const primaryColor = '#007bff', textColor = '#212529', tableHeaderColor = '#e9ecef'; let yPos = 22; const pageHeight = doc.internal.pageSize.height; const margin = 15; function checkYPdf(increment = 10) { if (yPos + increment > pageHeight - margin) { doc.addPage(); yPos = margin; } } doc.setFontSize(18); doc.setTextColor(primaryColor); doc.text("Future Cost of Living Projection", margin, yPos); yPos += 8; doc.setFontSize(10); doc.setTextColor(textColor); doc.text(`Report Date: ${new Date().toLocaleDateString()}`, margin, yPos); yPos += 7; doc.text(`Base Period: ${inputs.baseYearLabel}`, margin, yPos); yPos += 5; doc.text(`Projection Horizon: ${inputs.projectionYears} years`, margin, yPos); yPos += 5; doc.text(`Overall Avg. Annual Inflation Rate: ${inputs.overallInflationRate.toFixed(1)}%`, margin, yPos); yPos += 10; checkYPdf(15); doc.setFontSize(12); doc.setTextColor(primaryColor); doc.text("Current Spending Summary", margin, yPos); yPos += 6; doc.setFontSize(10); doc.setFont(undefined,'bold'); doc.text(`Total Current Annual Expenses: $${projections.currentTotalAnnualSpending.toFixed(2)}`, margin, yPos); yPos += 7; doc.setFont(undefined,'normal'); checkYPdf(20 + projections.detailedBreakdown.length * 6); doc.setFontSize(12); doc.setTextColor(primaryColor); doc.text("Projected Future Spending Breakdown", margin, yPos); yPos += 6; const head = [['Category', 'Current Ann. ($)', 'Inflation Used (%)', 'Future Ann. ($)', 'Future Mon. ($)', '% of Future Total']]; const body = projections.detailedBreakdown.map(cat => [ cat.name, cat.currentAnnualSpending.toFixed(2), `${cat.inflationRateUsed.toFixed(1)}%`, cat.futureAnnualSpending.toFixed(2), cat.futureMonthlySpending.toFixed(2), `${cat.percentOfFutureTotal.toFixed(1)}%` ]); doc.autoTable({ startY: yPos, head: head, body: body, theme: 'grid', headStyles: {fillColor: tableHeaderColor, textColor:textColor, fontStyle:'bold', fontSize:8.5}, styles:{fontSize:8, cellPadding:1.5, halign:'right'}, columnStyles: {0:{halign:'left', cellWidth: 50}, 2:{halign:'center'}} }); yPos = doc.lastAutoTable.finalY + 7; checkYPdf(25); doc.setFontSize(10); doc.setFont(undefined,'bold'); doc.text(`Total Projected Future Annual Expenses: $${projections.futureTotalAnnualSpending.toFixed(2)}`, margin, yPos); yPos +=5; doc.text(`Total Projected Future Monthly Expenses: $${projections.futureTotalMonthlySpending.toFixed(2)}`, margin, yPos); yPos +=5; doc.text(`Overall Cost of Living Increase: ${isFinite(projections.overallPercentageIncrease) ? projections.overallPercentageIncrease.toFixed(1) + '%' : 'N/A'}`, margin, yPos); yPos +=5; doc.setFont(undefined,'normal'); if (projections.adjustedFutureTotalAnnualSpending !== null && projections.lifestyleAdjustmentPercent !== 0) { checkYPdf(15); doc.setFontSize(10); doc.setFont(undefined,'bold'); doc.text(`With ${projections.lifestyleAdjustmentPercent > 0 ? '+' : ''}${projections.lifestyleAdjustmentPercent}% Lifestyle Adjustment:`, margin, yPos); yPos +=5; doc.setFont(undefined,'normal'); doc.text(`Adjusted Future Annual Expenses: $${projections.adjustedFutureTotalAnnualSpending.toFixed(2)}`, margin + 5, yPos); yPos +=5; doc.text(`Adjusted Future Monthly Expenses: $${(projections.adjustedFutureTotalAnnualSpending / 12).toFixed(2)}`, margin + 5, yPos); yPos +=7; } checkYPdf(40); doc.setFontSize(11); doc.setTextColor(primaryColor); doc.text("Important Considerations", margin, yPos); yPos += 6; doc.setFontSize(8.5); doc.setTextColor(textColor); const considerationsText = [ "- Projections are mathematical estimates based on the inflation rates provided. Actual future costs can vary significantly due to economic changes, personal choices, and unforeseen events.", "- Inflation rates for specific categories (e.g., healthcare, education) can differ greatly from general inflation. Using category-specific rates where possible enhances accuracy.", "- This tool is for planning and informational purposes. It's recommended to review and update financial plans and projections regularly.", "- For comprehensive financial planning, especially for long-term goals like retirement, consider consulting with a qualified financial advisor." ]; considerationsText.forEach(line => { const splitLine = doc.splitTextToSize(line, doc.internal.pageSize.width - (margin*2)); splitLine.forEach(l => { checkYPdf(4); doc.text(l, margin, yPos); yPos += 4; }); yPos += 1; }); doc.save("Future_Cost_of_Living_Projection.pdf"); } updateFCLPNavButtons(); // Initial call