Please enter valid loan amount, rate (0 or positive), and term (>0 months).

"; lpfLastCalculationData = null; return; } // 1. Standard Monthly Plan const standardPlan = lpfCalculateLoanAmortization(loanAmount, annualRate, originalTotalMonths, 0, false); if (standardPlan.monthlyPayment === 0 && loanAmount > 0) { resultsOutputEl.innerHTML = "

Could not calculate standard monthly payment. Please check inputs.

"; lpfLastCalculationData = null; return; } // 2. Biweekly Plan (13th month effect) const biweeklyPlan = lpfCalculateLoanAmortization(loanAmount, annualRate, originalTotalMonths, 0, true); // 3. Monthly + User's Extra Payment Plan const extraPmtPlan = lpfCalculateLoanAmortization(loanAmount, annualRate, originalTotalMonths, userExtraMonthlyPayment, false); lpfLastCalculationData = { inputs: { loanAmount, annualRate, originalTotalMonths, userExtraMonthlyPayment }, standard: standardPlan, biweekly: biweeklyPlan, extraPayment: extraPmtPlan }; const biweeklyPaymentAmount = (standardPlan.monthlyPayment / 2).toFixed(2); let outputHTML = `

Original Loan Term: ${lpfFormatTerm(originalTotalMonths)}

Payment Strategy	Effective Payment	Payoff Time	Total Interest Paid	Interest Saved	Time Saved
Standard Monthly	$${standardPlan.monthlyPayment.toFixed(2)} / month	${lpfFormatTerm(standardPlan.actualMonthsToPayoff)}	$${standardPlan.totalInterest.toFixed(2)}	-	-
Biweekly ($${biweeklyPaymentAmount} every 2 weeks)	Equiv. to $${(standardPlan.monthlyPayment * 13/12).toFixed(2)} / month	${lpfFormatTerm(biweeklyPlan.actualMonthsToPayoff)}	$${biweeklyPlan.totalInterest.toFixed(2)}	$${(standardPlan.totalInterest - biweeklyPlan.totalInterest).toFixed(2)}	${lpfFormatTerm(standardPlan.actualMonthsToPayoff - biweeklyPlan.actualMonthsToPayoff)}
Monthly + Extra $${userExtraMonthlyPayment.toFixed(2)}	$${extraPmtPlan.effectivePayment.toFixed(2)} / month	${lpfFormatTerm(extraPmtPlan.actualMonthsToPayoff)}	$${extraPmtPlan.totalInterest.toFixed(2)}	$${(standardPlan.totalInterest - extraPmtPlan.totalInterest).toFixed(2)}	${lpfFormatTerm(standardPlan.actualMonthsToPayoff - extraPmtPlan.actualMonthsToPayoff)}

`; resultsOutputEl.innerHTML = outputHTML; } function lpfDownloadPDF() { if (!lpfLastCalculationData) { alert("Please calculate comparisons first."); lpfNavigateTab('lpfComparisonTab'); lpfCalculateAllScenarios(); if (!lpfLastCalculationData) return; } const { jsPDF } = window.jspdf; const doc = new jsPDF({orientation: 'landscape'}); // Landscape for wider table const { inputs, standard, biweekly, extraPayment } = lpfLastCalculationData; const primaryColor = [0, 121, 107]; let y = 15; doc.setFontSize(16); doc.setTextColor(primaryColor[0], primaryColor[1], primaryColor[2]); doc.text("Loan Payment Strategy Comparison", doc.internal.pageSize.getWidth() / 2, y, { align: 'center' }); y += 8; doc.setFontSize(8); doc.setTextColor(100); doc.text("Illustrative comparison based on user inputs. Lender policies vary.", doc.internal.pageSize.getWidth() / 2, y, { align: 'center' }); y += 10; doc.setFontSize(10); doc.setTextColor(51, 51, 51); doc.text("Loan Inputs:", 14, y); y += 6; doc.text(` Loan Amount: $${inputs.loanAmount.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2})}`, 14, y); doc.text(`Annual Interest Rate: ${inputs.annualRate.toFixed(2)}%`, 150, y); y += 6; doc.text(` Original Term: ${lpfFormatTerm(inputs.originalTotalMonths)}`, 14, y); doc.text(`Extra Monthly Payment Input: $${inputs.userExtraMonthlyPayment.toFixed(2)}`, 150, y); y += 10; const head = [['Payment Strategy', 'Effective Pmt', 'Payoff Time', 'Total Interest', 'Interest Saved', 'Time Saved']]; const body = [ ['Standard Monthly', `$${standard.monthlyPayment.toFixed(2)}`, lpfFormatTerm(standard.actualMonthsToPayoff), `$${standard.totalInterest.toFixed(2)}`, '-', '-'], [`Biweekly ($${(standard.monthlyPayment/2).toFixed(2)}/2wks)`, `~ $${(standard.monthlyPayment*13/12).toFixed(2)}/mo`, lpfFormatTerm(biweekly.actualMonthsToPayoff), `$${biweekly.totalInterest.toFixed(2)}`, `$${(standard.totalInterest - biweekly.totalInterest).toFixed(2)}`, lpfFormatTerm(standard.actualMonthsToPayoff - biweekly.actualMonthsToPayoff)], [`Monthly + Extra $${inputs.userExtraMonthlyPayment.toFixed(2)}`, `$${extraPayment.effectivePayment.toFixed(2)}`, lpfFormatTerm(extraPayment.actualMonthsToPayoff), `$${extraPayment.totalInterest.toFixed(2)}`, `$${(standard.totalInterest - extraPayment.totalInterest).toFixed(2)}`, lpfFormatTerm(standard.actualMonthsToPayoff - extraPayment.actualMonthsToPayoff)] ]; doc.autoTable({ startY: y, head: head, body: body, theme: 'grid', headStyles: { fillColor: primaryColor, textColor: [255,255,255], halign: 'center', fontSize:8 }, bodyStyles: {fontSize: 8}, columnStyles: { 0: { halign: 'left', cellWidth: 55 }, 1: { halign: 'center', cellWidth: 40 }, 2: { halign: 'center', cellWidth: 45 }, 3: { halign: 'right', cellWidth: 40 }, 4: { halign: 'right', cellWidth: 40 }, 5: { halign: 'center', cellWidth: 45 } } }); y = doc.lastAutoTable.finalY + 10; if (y > 160) { doc.addPage(); y = 20; } doc.setFontSize(9); doc.setTextColor(85, 85, 85); const advisoryTitle = "Understanding Your Payment Strategy Comparison:"; const advisoryContent = [ "Estimates Only: Calculations are based on your inputs. Actual outcomes depend on lender policies.", "Biweekly Payments: Assumes 13 full monthly payments per year (half payment every two weeks), with extra applied to principal.", "Extra Payments: Ensure extra payments are applied directly to principal. Confirm with lender.", "Lender Policies are Key: Verify if lender accepts accelerated payments, how they're applied, and if any fees exist." ]; doc.setFont(undefined, 'bold'); doc.text(advisoryTitle, 14, y); y +=5; doc.setFont(undefined, 'normal'); advisoryContent.forEach(line => { const splitLine = doc.splitTextToSize(`• ${line}`, doc.internal.pageSize.getWidth() - 28 - 5); // 14 margin, 5 for bullet doc.text(splitLine, 14, y); y += (splitLine.length * 3.5) + 1; // Adjust line height for 9pt font in PDF if (y > 180 && advisoryContent.indexOf(line) < advisoryContent.length -1) { doc.addPage(); y = 20; } }); y+=3; doc.setFontSize(8); doc.setFont(undefined, 'italic'); doc.setTextColor(100); doc.text("This tool is for illustrative purposes. Always confirm details with your lender.", 14, y); doc.save("Loan_Payment_Strategy_Savings.pdf"); } lpfSwitchTab(null, 'lpfLoanInputsTab'); window.lpfSwitchTab = lpfSwitchTab; window.lpfNavigateTab = lpfNavigateTab; window.lpfCalculateAllScenarios = lpfCalculateAllScenarios; window.lpfDownloadPDF = lpfDownloadPDF;