Loan-Based Study Abroad Budgeting Tool

Program & Core Academic Costs

Please enter all estimated costs in US Dollars ($). Convert if necessary.
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$
$

Estimated Living & Travel Expenses (Total for Program Duration)

Enter total estimated costs for the entire program duration in US Dollars ($).
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$
$
$
$
$
$
$
Includes deposits, essentials upon arrival, entertainment, local travel, etc.
Sub-Total (Living & Travel Expenses): $0.00

Available Funds & Loan Preview

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$
$
Total Available Funds: $0.00
Estimated Loan Amount Needed: $0.00

Optional: Loan Repayment Preview (for estimated loan amount)

%

Budget Summary

Please complete all previous tabs to view your budget summary.

Please complete all previous tabs to view your budget summary.

'; } if(sablt_domElements.pdfDownloadBtn) sablt_domElements.pdfDownloadBtn.classList.add('sablt-hidden'); } } function sablt_navigateToTab(targetTabId) { const currentActiveTabLink = document.querySelector('.sablt-tab-link.sablt-active'); if (!currentActiveTabLink) { console.error("Current active tab link not found."); return; } const currentTabId = currentActiveTabLink.getAttribute('data-tab'); let proceed = true; if (currentTabId === 'sablt-tab1') { proceed = sablt_validateTab1(); } else if (currentTabId === 'sablt-tab2') { if (!sablt_validateTab1()) { const tab1Button = document.querySelector('.sablt-tab-link[data-tab="sablt-tab1"]'); if (tab1Button) tab1Button.click(); return; } proceed = sablt_validateTab2(); } else if (currentTabId === 'sablt-tab3') { if (!sablt_validateTab1()) { const tab1Button = document.querySelector('.sablt-tab-link[data-tab="sablt-tab1"]'); if (tab1Button) tab1Button.click(); return; } if (!sablt_validateTab2()) { const tab2Button = document.querySelector('.sablt-tab-link[data-tab="sablt-tab2"]'); if (tab2Button) tab2Button.click(); return; } proceed = sablt_validateTab3(); } if (proceed) { const targetTabButton = document.querySelector(`.sablt-tab-link[data-tab="${targetTabId}"]`); if (targetTabButton) targetTabButton.click(); } } function sablt_calculateAndDisplaySummary() { if (!sablt_domElements.resultsContainer) return; if (!sablt_validateTab1() || !sablt_validateTab2() || !sablt_validateTab3()) { sablt_domElements.resultsContainer.innerHTML = '

Please correct errors in the previous tabs to view the summary.

'; if(sablt_domElements.pdfDownloadBtn) sablt_domElements.pdfDownloadBtn.classList.add('sablt-hidden'); return; } // Ensure final calculations are run for loan if needed sablt_updateFundingSummaryAndLoanPreview(); const { coreCosts, livingTravelCosts, totalExpenses, availableFunds, estimatedLoanNeeded, loanPreview, programDurationMonths, destinationCountry } = sablt_budget; let summaryHTML = `

Program Overview

Destination Country: ${destinationCountry || 'Not Specified'}
Program Duration: ${programDurationMonths > 0 ? programDurationMonths + ' months' : 'N/A'}

Estimated Expenses (Total for Program)

Tuition Fees: ${sablt_formatCurrency(coreCosts.tuition)}
Other Program Fees: ${sablt_formatCurrency(coreCosts.program)}
Books & Supplies: ${sablt_formatCurrency(coreCosts.books)}
Subtotal Core Costs: ${sablt_formatCurrency(coreCosts.total)}

Accommodation: ${sablt_formatCurrency(livingTravelCosts.accommodation)}
Food & Groceries: ${sablt_formatCurrency(livingTravelCosts.food)}
Local Transportation: ${sablt_formatCurrency(livingTravelCosts.localTransport)}
Utilities: ${sablt_formatCurrency(livingTravelCosts.utilities)}
Health Insurance: ${sablt_formatCurrency(livingTravelCosts.healthInsurance)}
Round-trip Airfare: ${sablt_formatCurrency(livingTravelCosts.airfare)}
Visa & Related Costs: ${sablt_formatCurrency(livingTravelCosts.visa)}
Initial Setup & Personal Spending: ${sablt_formatCurrency(livingTravelCosts.personalSetupSpending)}
Subtotal Living & Travel: ${sablt_formatCurrency(livingTravelCosts.total)}

TOTAL ESTIMATED EXPENSES: ${sablt_formatCurrency(totalExpenses)}

Available Funds & Loan Estimation

Personal Savings: ${sablt_formatCurrency(availableFunds.savings)}
Scholarships/Grants: ${sablt_formatCurrency(availableFunds.scholarships)}
Family Contributions: ${sablt_formatCurrency(availableFunds.family)}
Total Available Funds: ${sablt_formatCurrency(availableFunds.total)}

ESTIMATED LOAN AMOUNT NEEDED: ${sablt_formatCurrency(estimatedLoanNeeded)}
${estimatedLoanNeeded <= 0 ? '

Congratulations! Your available funds appear to cover your estimated expenses.

' : ''}
`; if (loanPreview.active && estimatedLoanNeeded > 0) { summaryHTML += `

Loan Repayment Preview (for Estimated Loan Amount)

Assumed Loan Interest Rate: ${sablt_formatPercent(loanPreview.interestRate,2)}
Assumed Loan Term: ${loanPreview.termYears} years
Estimated Monthly Payment: ${sablt_formatCurrency(loanPreview.monthlyPayment)}
Estimated Total Interest Paid: ${sablt_formatCurrency(loanPreview.totalInterest)}
Estimated Total Repayment: ${sablt_formatCurrency(loanPreview.totalRepaid)}
`; } summaryHTML += `

Remember: This is an estimated budget. Actual costs can vary. Research specific costs for your chosen program and destination thoroughly. Look for additional scholarships or funding opportunities to minimize borrowing.

`; sablt_domElements.resultsContainer.innerHTML = summaryHTML; if (sablt_domElements.pdfDownloadBtn) { sablt_domElements.pdfDownloadBtn.classList.remove('sablt-hidden'); } } function sablt_hexToRgb(hex) { if (!hex || typeof hex !== 'string') return null; const shorthandRegex = /^#?([a-f\d])([a-f\d])([a-f\d])$/i; hex = hex.replace(shorthandRegex, function(m, r, g, b) { return r + r + g + g + b + b; }); const result = /^#?([a-f\d]{2})([a-f\d]{2})([a-f\d]{2})$/i.exec(hex); return result ? { r: parseInt(result[1], 16), g: parseInt(result[2], 16), b: parseInt(result[3], 16) } : null; } function sablt_generatePdf() { if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined' || typeof window.jspdf.jsPDF.API === 'undefined' || typeof window.jspdf.jsPDF.API.autoTable === 'undefined') { alert("PDF generation library is not loaded. Please try again later."); return; } if (!sablt_validateTab1() || !sablt_validateTab2() || !sablt_validateTab3()) { alert("Please ensure all inputs are correctly filled before generating PDF."); // Try to navigate to the first invalid tab if (!sablt_validateTab1()) sablt_navigateToTab('sablt-tab1'); else if (!sablt_validateTab2()) sablt_navigateToTab('sablt-tab2'); else if (!sablt_validateTab3()) sablt_navigateToTab('sablt-tab3'); return; } sablt_calculateAndDisplaySummary(); if (sablt_domElements.resultsContainer && sablt_domElements.resultsContainer.innerHTML.includes("sablt-error-message")) { alert("Cannot generate PDF due to errors in input or calculation. Please correct them."); return; } const ActualJsPDF = window.jspdf.jsPDF; const doc = new ActualJsPDF(); const { coreCosts, livingTravelCosts, totalExpenses, availableFunds, estimatedLoanNeeded, loanPreview, programDurationMonths, destinationCountry } = sablt_budget; doc.setFontSize(18); const primaryColorRGB = sablt_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--sablt-primary-color').trim()) || {r:0,g:121,b:107}; const secondaryColorRGB = sablt_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--sablt-secondary-color').trim()) || {r:0,g:77,b:64}; const accentColorRGB = sablt_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--sablt-accent-color').trim()) || {r:255,g:143,b:0}; doc.setTextColor(primaryColorRGB.r, primaryColorRGB.g, primaryColorRGB.b); doc.text("Study Abroad Budget Summary", 105, 20, null, null, "center"); doc.setFontSize(10); doc.setTextColor(38,50,56); let startY = 30; doc.text(`Destination: ${destinationCountry || 'Not Specified'} | Program Duration: ${programDurationMonths > 0 ? programDurationMonths + ' months' : 'N/A'}`, 14, startY); startY += 10; const tableHeadFillColor = [secondaryColorRGB.r, secondaryColorRGB.g, secondaryColorRGB.b]; const bodyStyles = { fontSize: 9, cellPadding: 2 }; const headStyles = { fillColor: tableHeadFillColor, textColor: 255, fontSize: 9.5, fontStyle: 'bold', cellPadding: 2.5 }; const boldStyle = { fontStyle: 'bold' }; doc.setFontSize(12); doc.setTextColor(secondaryColorRGB.r, secondaryColorRGB.g, secondaryColorRGB.b); doc.text("Estimated Expenses (Total for Program)", 14, startY); startY += 6; const expenseBody = [ ["Tuition Fees:", sablt_formatCurrency(coreCosts.tuition)], ["Other Program Fees:", sablt_formatCurrency(coreCosts.program)], ["Books & Supplies:", sablt_formatCurrency(coreCosts.books)], [{content: "Subtotal Core Costs:", styles: boldStyle}, {content: sablt_formatCurrency(coreCosts.total), styles: boldStyle}], ["Accommodation:", sablt_formatCurrency(livingTravelCosts.accommodation)], ["Food & Groceries:", sablt_formatCurrency(livingTravelCosts.food)], ["Local Transportation:", sablt_formatCurrency(livingTravelCosts.localTransport)], ["Utilities:", sablt_formatCurrency(livingTravelCosts.utilities)], ["Health Insurance:", sablt_formatCurrency(livingTravelCosts.healthInsurance)], ["Round-trip Airfare:", sablt_formatCurrency(livingTravelCosts.airfare)], ["Visa & Related Costs:", sablt_formatCurrency(livingTravelCosts.visa)], ["Initial Setup & Personal Spending:", sablt_formatCurrency(livingTravelCosts.personalSetupSpending)], [{content: "Subtotal Living & Travel:", styles: boldStyle}, {content: sablt_formatCurrency(livingTravelCosts.total), styles: boldStyle}], [{content: "TOTAL ESTIMATED EXPENSES:", styles: {fontStyle:'bold', fillColor: [236,239,241]}}, {content: sablt_formatCurrency(totalExpenses), styles: {fontStyle:'bold', fillColor: [236,239,241]}}], ]; doc.autoTable({ startY: startY, body: expenseBody, theme: 'grid', styles: bodyStyles, headStyles: headStyles, columnStyles: {0:{fontStyle:'bold', cellWidth: 80}, 1:{halign:'right', cellWidth: 'auto'}} }); startY = doc.autoTable.previous.finalY + 10; doc.setFontSize(12); doc.setTextColor(secondaryColorRGB.r, secondaryColorRGB.g, secondaryColorRGB.b); doc.text("Available Funds & Loan Estimation", 14, startY); startY += 6; const fundingBody = [ ["Personal Savings:", sablt_formatCurrency(availableFunds.savings)], ["Scholarships/Grants:", sablt_formatCurrency(availableFunds.scholarships)], ["Family Contributions:", sablt_formatCurrency(availableFunds.family)], [{content: "Total Available Funds:", styles: boldStyle}, {content: sablt_formatCurrency(availableFunds.total), styles: {fontStyle:'bold', textColor: [primaryColorRGB.r, primaryColorRGB.g, primaryColorRGB.b]}}], [{content: "ESTIMATED LOAN AMOUNT NEEDED:", styles: {fontStyle:'bold', fillColor: [236,239,241]}}, {content: sablt_formatCurrency(estimatedLoanNeeded), styles: {fontStyle:'bold', textColor: [accentColorRGB.r, accentColorRGB.g, accentColorRGB.b], fillColor: [236,239,241]}}], ]; if (estimatedLoanNeeded <= 0) { fundingBody.push([{content: "Your available funds appear to cover your estimated expenses.", colSpan:2, styles: {halign:'center', textColor: [primaryColorRGB.r, primaryColorRGB.g, primaryColorRGB.b]}}]); } doc.autoTable({ startY: startY, body: fundingBody, theme: 'grid', styles: bodyStyles, headStyles: headStyles, columnStyles: {0:{fontStyle:'bold', cellWidth: 80}, 1:{halign:'right'}} }); startY = doc.autoTable.previous.finalY + 10; if (loanPreview.active && estimatedLoanNeeded > 0) { doc.setFontSize(12); doc.setTextColor(secondaryColorRGB.r, secondaryColorRGB.g, secondaryColorRGB.b); doc.text("Loan Repayment Preview (for Estimated Loan Amount)", 14, startY); startY += 6; doc.autoTable({ startY: startY, theme: 'grid', styles: bodyStyles, headStyles: headStyles, body: [ ["Assumed Loan Interest Rate:", sablt_formatPercent(loanPreview.interestRate,2)], ["Assumed Loan Term:", `${loanPreview.termYears} years`], ["Estimated Monthly Payment:", sablt_formatCurrency(loanPreview.monthlyPayment)], ["Estimated Total Interest Paid:", sablt_formatCurrency(loanPreview.totalInterest)], ["Estimated Total Repayment:", sablt_formatCurrency(loanPreview.totalRepaid)], ], margin: { left: 14, right: 14 }, columnStyles: {0:{fontStyle:'bold', cellWidth: 80}, 1:{halign:'right'}} }); startY = doc.autoTable.previous.finalY + 10; } doc.setFontSize(9); doc.setTextColor(100); const note = "This is an estimated budget. Actual costs can vary. Research specific costs for your chosen program and destination thoroughly. Look for additional scholarships or funding opportunities to minimize borrowing."; const splitNote = doc.splitTextToSize(note, doc.internal.pageSize.width - 28); doc.text(splitNote, 14, startY); startY += (splitNote.length * (doc.getLineHeight() / doc.internal.scaleFactor * 0.8)) + 5; doc.setFontSize(9); doc.setTextColor(150); doc.text(`Report generated on: ${new Date().toLocaleDateString()} ${new Date().toLocaleTimeString()}`, 14, doc.internal.pageSize.height - 10); doc.save("Study_Abroad_Budget_Estimate.pdf"); } window.sablt_switchTab = sablt_switchTab; window.sablt_navigateToTab = sablt_navigateToTab; window.sablt_generatePdf = sablt_generatePdf; // Expose update functions if needed, though listeners handle most dynamic updates internally window.sablt_updateTotalLivingTravelDisplay = sablt_updateTotalLivingTravelDisplay; window.sablt_updateFundingSummaryAndLoanPreview = sablt_updateFundingSummaryAndLoanPreview;
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