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