Down payment cannot exceed vehicle price.

"; hcfLastEstimationData = null; return; } // --- Calculations for Conventional Car --- const convLoanAmount = Math.max(0, convPrice - convDownPayment); const convMonthlyPayment = convLoanTerm > 0 ? hcfCalculateMonthlyPayment(convLoanAmount, convLoanRate, convLoanTerm) : 0; const convTotalLoanPaymentsDuringOwnership = convLoanTerm > 0 ? convMonthlyPayment * Math.min(convLoanTerm * 12, ownershipPeriod * 12) : 0; const convTotalInterestPaidFullTerm = convLoanTerm > 0 ? (convMonthlyPayment * convLoanTerm * 12) - convLoanAmount : 0; const convAnnualFuelCost = milesPerYear > 0 && convMpg > 0 ? (milesPerYear / convMpg) * fuelPrice : 0; const convTotalFuelCostOwnership = convAnnualFuelCost * ownershipPeriod; const convTotalOutlayOwnership = convDownPayment + convTotalLoanPaymentsDuringOwnership + convTotalFuelCostOwnership; // --- Calculations for Hybrid Car --- const hybridNetPriceAfterRebate = Math.max(0, hybridPrice - hybridRebates); const hybridLoanAmount = Math.max(0, hybridNetPriceAfterRebate - hybridDownPayment); const hybridMonthlyPayment = hybridLoanTerm > 0 ? hcfCalculateMonthlyPayment(hybridLoanAmount, hybridLoanRate, hybridLoanTerm) : 0; const hybridTotalLoanPaymentsDuringOwnership = hybridLoanTerm > 0 ? hybridMonthlyPayment * Math.min(hybridLoanTerm * 12, ownershipPeriod * 12) : 0; const hybridTotalInterestPaidFullTerm = hybridLoanTerm > 0 ? (hybridMonthlyPayment * hybridLoanTerm * 12) - hybridLoanAmount : 0; const hybridAnnualFuelCost = milesPerYear > 0 && hybridMpg > 0 ? (milesPerYear / hybridMpg) * fuelPrice : 0; const hybridTotalFuelCostOwnership = hybridAnnualFuelCost * ownershipPeriod; const hybridTotalOutlayOwnership = hybridDownPayment + hybridTotalLoanPaymentsDuringOwnership + hybridTotalFuelCostOwnership + Math.max(0, hybridPrice - hybridNetPriceAfterRebate - hybridDownPayment > 0 ? 0 : hybridNetPriceAfterRebate - hybridDownPayment); // This line is a bit off if cash purchase: use hybridPrice-hybridRebates here for net purchase price for cash part // Corrected Total Outlay for Hybrid: // It's simpler: DownPayment + Loan Payments + Fuel Costs. The rebate is already factored into the loan amount. // If buying cash, cash_outlay = Price - Rebates. // So, hybrid_cash_component if loan doesn't cover full (Price-Rebate): (Price-Rebate) - LoanAmount. // Total_Outlay = DownPayment (actual cash out) + LoanPayments (cash out over time) + FuelCosts (cash out over time) // The "DownPayment" input already serves as the initial cash outlay beyond financing. Rebates reduce price before loan. const hybridActualInitialCash = hybridDownPayment; // Cash put down by user const hybridTotalOutlayOwnershipCorrected = hybridActualInitialCash + hybridTotalLoanPaymentsDuringOwnership + hybridTotalFuelCostOwnership; // --- Savings --- const netSavingsWithHybrid = convTotalOutlayOwnership - hybridTotalOutlayOwnershipCorrected; hcfLastEstimationData = { inputs: { ownershipPeriod, milesPerYear, fuelPrice, convPrice, convMpg, convDownPayment, convLoanRate, convLoanTerm, hybridPrice, hybridMpg, hybridRebates, hybridDownPayment, hybridLoanRate, hybridLoanTerm }, convCar: { loanAmount: convLoanAmount, monthlyPayment: convMonthlyPayment, totalInterestFullTerm: convTotalInterestPaidFullTerm, annualFuelCost: convAnnualFuelCost, totalFuelCostOwnership: convTotalFuelCostOwnership, totalOutlayOwnership: convTotalOutlayOwnership }, hybridCar: { netPriceAfterRebate: hybridNetPriceAfterRebate, loanAmount: hybridLoanAmount, monthlyPayment: hybridMonthlyPayment, totalInterestFullTerm: hybridTotalInterestPaidFullTerm, annualFuelCost: hybridAnnualFuelCost, totalFuelCostOwnership: hybridTotalFuelCostOwnership, totalOutlayOwnership: hybridTotalOutlayOwnershipCorrected }, savings: netSavingsWithHybrid }; let outputHTML = `

Estimated costs over your ${ownershipPeriod}-year ownership period:

`; resultsOutput.innerHTML = outputHTML; } // --- PDF Download Functionality --- function hcfDownloadPDF() { if (!hcfLastEstimationData) { alert("Please estimate savings first before downloading PDF."); hcfNavigateTab('hcfSavingsTab'); hcfEstimateSavings(); if (!hcfLastEstimationData) return; } const { jsPDF } = window.jspdf; const doc = new jsPDF(); const { inputs, convCar, hybridCar, savings } = hcfLastEstimationData; const primaryColor = [0, 121, 107]; let y = 15; doc.setFontSize(16); doc.setTextColor(primaryColor[0], primaryColor[1], primaryColor[2]); doc.text("Hybrid Car Financing Savings Estimation", doc.internal.pageSize.getWidth() / 2, y, { align: 'center' }); y += 8; doc.setFontSize(8); doc.setTextColor(100); doc.text(`Estimations over ${inputs.ownershipPeriod}-year ownership period. For illustrative purposes.`, doc.internal.pageSize.getWidth() / 2, y, { align: 'center' }); y += 10; doc.setFontSize(10); doc.setTextColor(51, 51, 51); doc.text("Common Inputs:", 14, y); y += 6; doc.text(` Ownership Period: ${inputs.ownershipPeriod} years`, 14, y); doc.text(`Avg Miles/Year: ${inputs.milesPerYear.toLocaleString()}`, 100, y); y += 6; doc.text(` Fuel Price: $${inputs.fuelPrice.toFixed(2)}/gallon`, 14, y); y += 10; const addCarDetailsToPdf = (carType, carData, initialPrice, downPayment, loanRate, loanTerm, rebates = 0) => { doc.setFontSize(12); doc.setTextColor(primaryColor[0], primaryColor[1], primaryColor[2]); doc.text(`${carType} Details:`, 14, y); y += 7; doc.setFontSize(10); doc.setTextColor(51, 51, 51); doc.text(` Purchase Price: $${initialPrice.toFixed(2)}`, 18, y); if (rebates > 0) doc.text(`Rebates: $${rebates.toFixed(2)}`, 100, y); y += 6; if (rebates > 0) doc.text(` Net Price (after rebates): $${carData.netPriceAfterRebate ? carData.netPriceAfterRebate.toFixed(2) : initialPrice.toFixed(2)}`, 18, y); else doc.text(" ", 18, y); // Placeholder for alignment if no rebates doc.text(`Down Payment: $${downPayment.toFixed(2)}`, 100, y); y += 6; doc.text(` Loan Amount: $${carData.loanAmount.toFixed(2)}`, 18, y); doc.text(`Loan: ${loanTerm > 0 ? `${loanTerm} yrs @ ${loanRate}%` : 'N/A (Cash)'}`, 100, y); y += 6; doc.text(` Est. Monthly Loan Pymt: $${carData.monthlyPayment.toFixed(2)}`, 18, y); y += 6; doc.text(` Est. Total Interest (full term): $${carData.totalInterestFullTerm.toFixed(2)}`, 18, y); y += 6; doc.text(` Est. Annual Fuel Cost: $${carData.annualFuelCost.toFixed(2)}`, 18, y); y += 6; doc.text(` Est. Total Fuel Cost (${inputs.ownershipPeriod} yrs): $${carData.totalFuelCostOwnership.toFixed(2)}`, 18, y); y += 6; doc.setFont(undefined, 'bold'); doc.text(` Est. Total Outlay (${inputs.ownershipPeriod} yrs): $${carData.totalOutlayOwnership.toFixed(2)}`, 18, y); y += 10; doc.setFont(undefined, 'normal'); if (y > 250 && carType === "Conventional") { doc.addPage(); y = 20; } // Add page if conventional car details take too much space }; addCarDetailsToPdf("Conventional Car", convCar, inputs.convPrice, inputs.convDownPayment, inputs.convLoanRate, inputs.convLoanTerm); if (y > 180 ) {doc.addPage(); y = 20;} // Ensure hybrid details have enough space or start on new page addCarDetailsToPdf("Hybrid Car", hybridCar, inputs.hybridPrice, inputs.hybridDownPayment, inputs.hybridLoanRate, inputs.hybridLoanTerm, inputs.hybridRebates); if (y > 240) { doc.addPage(); y = 20; } doc.setFontSize(14); doc.setTextColor(primaryColor[0], primaryColor[1], primaryColor[2]); doc.text("Net Estimated Financial Outcome with Hybrid:", 14, y); y+=8; doc.setFontSize(16); doc.setFont(undefined, 'bold'); if (savings >= 0) { doc.setTextColor(39, 174, 96); // Green doc.text(`Potential Savings: $${savings.toFixed(2)}`, 14, y); } else { doc.setTextColor(192, 57, 43); // Red doc.text(`Potential Additional Cost: $${Math.abs(savings).toFixed(2)}`, 14, y); } y+=8; doc.setFontSize(9); doc.setTextColor(100); doc.setFont(undefined, 'normal'); doc.text(`This is the difference in total outlay over the ${inputs.ownershipPeriod}-year ownership period.`, 14, y); y+=10; if (y > 260) { doc.addPage(); y = 20; } doc.setFontSize(8); doc.setTextColor(120); const footerText = "Estimator provides approximate costs. Actual figures vary due to driving habits, conditions, exact prices, maintenance, insurance, resale values (not included), and financing terms."; const splitFooter = doc.splitTextToSize(footerText, doc.internal.pageSize.getWidth() - 28); doc.text(splitFooter, 14, y); doc.save("Hybrid_Car_Savings_Estimation.pdf"); } // Initial setup hcfUpdateNavButtons(); // Make functions globally accessible window.hcfSwitchTab = hcfSwitchTab; window.hcfNavigateTab = hcfNavigateTab; window.hcfEstimateSavings = hcfEstimateSavings; window.hcfDownloadPDF = hcfDownloadPDF;