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"; } }); function formatCurrencyLBLA(value) { const num = Number(value); if (isNaN(num)) return "0.00"; return num.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); } function calculateAffordabilityLBLA() { const residualValue = parseFloat(residualValueIn.value) || 0; const purchaseFee = parseFloat(purchaseOptionFeeIn.value) || 0; const taxesFees = parseFloat(estimatedTaxesFeesIn.value) || 0; const cashDown = parseFloat(cashDownIn.value) || 0; const termMonths = parseInt(loanTermIn.value); const annualRate = parseFloat(annualInterestRateIn.value); const budgetedPayment = parseFloat(budgetedMonthlyPaymentIn.value) || 0; if (residualValue <= 0) { alert("Please enter a valid Residual Value."); return; } if (annualRate < 0) { alert("Annual Interest Rate cannot be negative."); return; } if (termMonths <= 0) { alert("Please select a valid Loan Term."); return; } const totalBuyoutCost = residualValue + purchaseFee + taxesFees; let actualLoanAmount = totalBuyoutCost - cashDown; if (actualLoanAmount < 0) actualLoanAmount = 0; let monthlyPayment = 0; let totalInterest = 0; let totalRepayment = 0; if (actualLoanAmount > 0) { if (annualRate === 0) { monthlyPayment = actualLoanAmount / termMonths; totalInterest = 0; } else { const monthlyRate = annualRate / 12 / 100; const powerTerm = Math.pow(1 + monthlyRate, termMonths); monthlyPayment = actualLoanAmount * monthlyRate * powerTerm / (powerTerm - 1); if (isNaN(monthlyPayment) || !isFinite(monthlyPayment)) monthlyPayment = 0; } totalRepayment = monthlyPayment * termMonths; totalInterest = totalRepayment - actualLoanAmount; if (totalInterest < 0) totalInterest = 0; // Safety for tiny rounding issues } else { // No loan needed monthlyPayment = 0; totalInterest = 0; totalRepayment = 0; } totalBuyoutCostOut.textContent = `$${formatCurrencyLBLA(totalBuyoutCost)}`; actualLoanAmountOut.textContent = `$${formatCurrencyLBLA(actualLoanAmount)}`; estimatedMonthlyPaymentOut.textContent = `$${formatCurrencyLBLA(monthlyPayment)}`; totalInterestPaidOut.textContent = `$${formatCurrencyLBLA(totalInterest)}`; totalLoanRepaymentOut.textContent = `$${formatCurrencyLBLA(totalRepayment)}`; affordabilityStatusOut.className = ''; // Clear previous classes if (actualLoanAmount <= 0) { affordabilityStatusOut.textContent = "No loan needed. Buyout cost potentially covered by cash down payment."; affordabilityStatusOut.classList.add('no-budget'); // Or a specific "covered" class affordabilityStatusContainer.style.display = "block"; } else if (budgetedPayment > 0) { const difference = budgetedPayment - monthlyPayment; if (difference >= 0) { affordabilityStatusOut.textContent = `Within budget. You have an estimated $${formatCurrencyLBLA(difference)} surplus per month.`; affordabilityStatusOut.classList.add('within-budget'); } else { affordabilityStatusOut.textContent = `Exceeds budget by $${formatCurrencyLBLA(Math.abs(difference))} per month.`; affordabilityStatusOut.classList.add('exceeds-budget'); } affordabilityStatusContainer.style.display = "block"; } else { affordabilityStatusOut.textContent = "Budgeted monthly payment not provided for comparison."; affordabilityStatusOut.classList.add('no-budget'); affordabilityStatusContainer.style.display = "block"; // Still show, but as info } calculatedValuesLBLA = { inputs: { residualValue, purchaseFee, taxesFees, cashDown, termMonths, annualRate, budgetedPayment }, outputs: { totalBuyoutCost, actualLoanAmount, monthlyPayment, totalInterest, totalRepayment, statusText: affordabilityStatusOut.textContent } }; resultsSection.style.display = "block"; } function generatePdfLBLA() { if (Object.keys(calculatedValuesLBLA).length === 0 || !resultsSection || resultsSection.style.display === 'none') { alert('Please calculate affordability first to generate a PDF summary.'); return; } if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert('PDF generation library (jsPDF) is not loaded.'); return; } const { jsPDF } = window.jspdf; const doc = new jsPDF(); if (typeof doc.autoTable !== 'function') { alert('PDF generation plugin (jsPDF-AutoTable) is not loaded.'); return; } try { doc.setFontSize(18); doc.setTextColor(0, 51, 102); // Dark Blue #003366 doc.text("Lease Buyout Loan Affordability Summary", 14, 22); doc.setFontSize(10); doc.setTextColor(100); doc.text(`Report Generated: ${new Date().toLocaleDateString()}`, 14, 28); let startY = 38; const tableTheme = 'grid'; const headFillColor = [0, 102, 204]; // Medium Blue #0066CC const headTextColor = [255, 255, 255]; const inputs = calculatedValuesLBLA.inputs; const outputs = calculatedValuesLBLA.outputs; doc.autoTable({ head: [['Input Parameter', 'Value']], body: [ ['Residual Value', `$${formatCurrencyLBLA(inputs.residualValue)}`], ['Purchase Option Fee', `$${formatCurrencyLBLA(inputs.purchaseFee)}`], ['Estimated Taxes & Other Fees', `$${formatCurrencyLBLA(inputs.taxesFees)}`], ['Cash Down Payment', `$${formatCurrencyLBLA(inputs.cashDown)}`], ['Loan Term', `${inputs.termMonths} months`], ['Annual Interest Rate', `${(inputs.annualRate || 0).toFixed(2)}%`], ['Budgeted Monthly Payment', inputs.budgetedPayment > 0 ? `$${formatCurrencyLBLA(inputs.budgetedPayment)}` : 'Not Provided'] ], startY: startY, theme: tableTheme, headStyles: { fillColor: headFillColor, textColor: headTextColor }, styles: { fontSize: 9 } }); startY = doc.lastAutoTable.finalY + 10; doc.autoTable({ head: [['Calculation Result', 'Amount']], body: [ ['Total Estimated Buyout Cost', `$${formatCurrencyLBLA(outputs.totalBuyoutCost)}`], ['Actual Loan Amount Needed', `$${formatCurrencyLBLA(outputs.actualLoanAmount)}`], ['Estimated Monthly Loan Payment (EMI)', `$${formatCurrencyLBLA(outputs.monthlyPayment)}`], ['Total Interest Paid Over Loan Term', `$${formatCurrencyLBLA(outputs.totalInterest)}`], ['Total Loan Repayment (Principal + Interest)', `$${formatCurrencyLBLA(outputs.totalRepayment)}`] ], startY: startY, theme: tableTheme, headStyles: { fillColor: headFillColor, textColor: headTextColor }, styles: { fontSize: 9 } }); startY = doc.lastAutoTable.finalY + 10; if (outputs.statusText) { doc.setFontSize(10); doc.setTextColor(51, 71, 91); // #33475b doc.text("Affordability Status:", 14, startY); startY += 6; doc.setFontSize(9); const statusTextLines = doc.splitTextToSize(outputs.statusText, doc.internal.pageSize.getWidth() - 28); doc.text(statusTextLines, 14, startY); } doc.save("Lease_Buyout_Affordability_Summary.pdf"); } catch (error) { console.error("LBLA PDF Error:", error); alert("An error occurred while generating the PDF: " + error.message); } }