Current Annual Savings: $${minimalistPlanData.spendingAudit.currentSavings.toFixed(2)}

Current Savings Rate: ${minimalistPlanData.spendingAudit.currentSavingsRate.toFixed(1)}%

`; currentSpendingDiv.style.display = 'block'; } else { currentSpendingDiv.style.display = 'none'; } // Tab 3: Action Plan minimalistPlanData.actionPlan.items = []; let totalEstPotentialSavings = 0; document.querySelectorAll('#actionPlanContainerMFLP .action-plan-row').forEach(row => { // Similar to goals, need a robust way to get IDs or use index if rows are stable const id = Array.from(row.parentElement.children).indexOf(row) + 1; // Example, needs data-id if rows are removable out of order const area = getMFLPStr(`actionAreaMFLP_${row.querySelector('input[type="text"]').id.split('_')[1]}`); const estSavings = getMFLPNum(`actionSavingsMFLP_${row.querySelector('input[type="number"]').id.split('_')[1]}`); if (area) { minimalistPlanData.actionPlan.items.push({ id, area, actions: getMFLPStr(`actionDescMFLP_${row.querySelector('textarea').id.split('_')[1]}`), estSavings, targetDate: getMFLPStr(`actionDateMFLP_${row.querySelectorAll('input[type="text"]')[1].id.split('_')[1]}`), linkedGoalId: getMFLPSelect(`actionGoalLinkMFLP_${row.querySelector('select').id.split('_')[1]}`) }); totalEstPotentialSavings += estSavings; } }); minimalistPlanData.actionPlan.totalEstPotentialSavings = totalEstPotentialSavings; minimalistPlanData.actionPlan.projectedNewSpending = minimalistPlanData.spendingAudit.totalCurrentSpending - totalEstPotentialSavings; const projectedNewSavings = minimalistPlanData.income.annualNet - minimalistPlanData.actionPlan.projectedNewSpending; minimalistPlanData.actionPlan.projectedNewSavingsRate = minimalistPlanData.income.annualNet > 0 ? (projectedNewSavings / minimalistPlanData.income.annualNet) * 100 : 0; const actionPlanSummaryDiv = document.getElementById('actionPlanSummaryOutputMFLP'); if (totalEstPotentialSavings > 0 || minimalistPlanData.actionPlan.items.length > 0) { actionPlanSummaryDiv.innerHTML = `

Total Estimated Potential Annual Savings from Actions: $${totalEstPotentialSavings.toFixed(2)}

Projected New Annual Spending: $${minimalistPlanData.actionPlan.projectedNewSpending.toFixed(2)}

Projected New Savings Rate: ${minimalistPlanData.actionPlan.projectedNewSavingsRate.toFixed(1)}%

`; actionPlanSummaryDiv.style.display = 'block'; } else { actionPlanSummaryDiv.style.display = 'none'; } // Re-populate dropdowns for "Link to Goal" on action plan tab if (document.getElementById('actionPlanTabMFLP').classList.contains('active')) { populateActionPlanGoalLinkDropdown(); } } // --- Tab 3 (Called by button) & Tab 4 Logic --- function generateSpendingAnalysis() { // This name is from old template, should be for this tool collectAndProcessAllDataMFLP(); // Make sure all data is collected and processed const container = document.getElementById('analysisInsightsTab').querySelector('.analysis-section') || document.createElement('div'); // Ensure container exists or handle if (!container) return; // Should not happen if HTML is correct let analysisHTML = `

Spending Audit Insights:

`; if (minimalistPlanData.spendingAudit.categories.length === 0) { analysisHTML += "

No spending categories entered yet. Please add them in Tab 2.

"; container.innerHTML = analysisHTML; return; } analysisHTML += ``; minimalistPlanData.spendingAudit.categories.forEach(cat => { analysisHTML += ``; }); analysisHTML += `

Category	Actual ($)	Aligns?	Can Reduce?	Notes/Alternatives	Declutter Ideas
${cat.name}	${cat.actualSpending.toFixed(2)}	${cat.alignsWithValues}	${cat.canReduce}	${cat.alternatives || 'N/A'}	${cat.declutterIdeas || 'N/A'}

`; const areasToReduce = minimalistPlanData.spendingAudit.categories.filter(c => c.canReduce === 'Yes' || c.canReduce === 'Maybe'); if (areasToReduce.length > 0) { analysisHTML += `

Potential Areas for Reduction: ${areasToReduce.map(c=>c.name).join(', ')}.

`; } const misaligned = minimalistPlanData.spendingAudit.categories.filter(c => c.alignsWithValues === 'No' || c.alignsWithValues === 'Partially'); if (misaligned.length > 0) { analysisHTML += `

Spending potentially misaligned with values: ${misaligned.map(c=>c.name).join(', ')}. Consider reviewing these.

`; } container.innerHTML = analysisHTML; // Budget vs Actual on Tab 3 - this tool doesn't have formal budget input per category in the same way as spending habit tool did. // The "budget" aspect is more about reducing towards minimalist goals. // So, the existing budgetOverallContainer and savingsOverallContainer from spending habit tool are not directly applicable here. // We are focusing on savings rate change. const savingsOverallContainer = document.getElementById('savingsAnalysisOverall'); // This ID is from spending habit tool, need new one or repurpose if(savingsOverallContainer) { // Simple repurpose savingsOverallContainer.innerHTML = `

Savings Impact:

Current Annual Savings: $${minimalistPlanData.spendingAudit.currentSavings.toFixed(2)} (Rate: ${minimalistPlanData.spendingAudit.currentSavingsRate.toFixed(1)}%)

Projected Annual Savings (after actions): $${(minimalistPlanData.income.annualNet - minimalistPlanData.actionPlan.projectedNewSpending).toFixed(2)} (Rate: ${minimalistPlanData.actionPlan.projectedNewSavingsRate.toFixed(1)}%)

Potential Increase in Annual Savings: $${minimalistPlanData.actionPlan.totalEstPotentialSavings.toFixed(2)}

`; } } function displayOverallMFLPSummary() { collectAndProcessAllDataMFLP(); // Crucial to get latest data const container = document.getElementById('mflpOverallSummaryContainer'); const { philosophy, financialGoals, income, spendingAudit, actionPlan } = minimalistPlanData; if (income.annualNet === 0 && spendingAudit.totalCurrentSpending === 0 && financialGoals.length === 0) { container.innerHTML = "

Please complete your information on the previous tabs to see the summary.

"; document.getElementById('downloadMinimalistPdfButton').disabled = true; return; } let summaryHTML = `

My Minimalist Financial Philosophy:

Core Values: ${philosophy.coreValues || "Not specified"}

My Definition of Minimalism: ${philosophy.definition || "Not specified"}

Current Financial Stressors: ${philosophy.stressors || "Not specified"}

Top Financial Goals:

`; if (financialGoals.length > 0) { summaryHTML += `

`; financialGoals.slice(0,3).forEach(g => summaryHTML += `
• ${g.description} ${g.targetAmount ? '($'+g.targetAmount.toFixed(2)+')' : ''} ${g.targetDate ? 'by '+g.targetDate : ''}
`); summaryHTML += `

`; } else { summaryHTML += `

No specific financial goals listed yet.

`; } summaryHTML += `

Financial Snapshot:

Annual Net Income: $${income.annualNet.toFixed(2)}

Current Total Annual Spending: $${spendingAudit.totalCurrentSpending.toFixed(2)}

Current Savings Rate: ${spendingAudit.currentSavingsRate.toFixed(1)}%

`; if (actionPlan.totalEstPotentialSavings > 0) { summaryHTML += `

Action Plan Impact:

Potential Annual Savings from Actions: $${actionPlan.totalEstPotentialSavings.toFixed(2)}

Projected New Annual Spending: $${actionPlan.projectedNewSpending.toFixed(2)}

Projected New Savings Rate: ${actionPlan.projectedNewSavingsRate.toFixed(1)}%

`; } container.innerHTML = summaryHTML; document.getElementById('downloadMinimalistPdfButton').disabled = false; } function downloadMinimalistPdf() { if (minimalistPlanData.income.annualNet === 0 && minimalistPlanData.spendingAudit.totalCurrentSpending === 0) { alert("Please enter some data before generating PDF."); 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; } collectAndProcessAllDataMFLP(); // Ensure data is absolutely current for PDF const { philosophy, financialGoals, income, spendingAudit, actionPlan } = minimalistPlanData; const primaryColor = '#007bff', textColor = '#212529', tableHeaderColor = '#e9ecef'; let yPos = 20; const margin = 15; const pageHeight = doc.internal.pageSize.height; function checkYPdf(increment = 10) { if (yPos + increment > pageHeight - margin) { doc.addPage(); yPos = margin; } } function addSectionTitle(title) { checkYPdf(12); doc.setFontSize(14); doc.setTextColor(primaryColor); doc.text(title, margin, yPos); yPos += 7; doc.setFontSize(10); doc.setTextColor(textColor); } function addParagraph(text, indent=0) { const lines = doc.splitTextToSize(text || "N/A", doc.internal.pageSize.width - (margin*2) - indent); lines.forEach(line => { checkYPdf(5); doc.text(line, margin + indent, yPos); yPos+=5; }); yPos+=2; } doc.setFontSize(18); doc.setTextColor(primaryColor); doc.text("Minimalist Financial Lifestyle Plan", margin, yPos); yPos += 8; doc.setFontSize(10); doc.setTextColor(textColor); doc.text(`Report Date: ${new Date().toLocaleDateString()}`, margin, yPos); yPos += 10; addSectionTitle("My Minimalist Financial Philosophy"); doc.setFont(undefined, 'bold'); doc.text("Core Values & Priorities:", margin, yPos); yPos+=5; doc.setFont(undefined, 'normal'); addParagraph(philosophy.coreValues, 2); doc.setFont(undefined, 'bold'); doc.text("My Definition of Financial Minimalism:", margin, yPos); yPos+=5; doc.setFont(undefined, 'normal'); addParagraph(philosophy.definition, 2); doc.setFont(undefined, 'bold'); doc.text("Current Financial Annoyances/Stressors:", margin, yPos); yPos+=5; doc.setFont(undefined, 'normal'); addParagraph(philosophy.stressors, 2); if (financialGoals.length > 0) { addSectionTitle("Minimalist Financial Goals"); const goalBody = financialGoals.map(g => [g.description, g.targetAmount ? `$${g.targetAmount.toFixed(2)}` : 'N/A', g.targetDate || 'N/A']); doc.autoTable({startY: yPos, head: [['Goal', 'Target Amount', 'Target Date']], body: goalBody, theme: 'grid', headStyles:{fillColor:tableHeaderColor, textColor:textColor,fontStyle:'bold',fontSize:9}, styles:{fontSize:8,cellPadding:1.5}}); yPos = doc.lastAutoTable.finalY + 7; } addSectionTitle("Income & Current Spending Snapshot"); let incomeSpendingBody = [ ['Annual Net Income:', `$${income.annualNet.toFixed(2)}`], ['Total Current Annual Spending:', `$${spendingAudit.totalCurrentSpending.toFixed(2)}`], ['Current Annual Savings:', `$${spendingAudit.currentSavings.toFixed(2)}`], ['Current Savings Rate:', `${spendingAudit.currentSavingsRate.toFixed(1)}%`] ]; doc.autoTable({startY: yPos, body: incomeSpendingBody, theme:'plain', styles:{fontSize:9,cellPadding:1.5}, columnStyles:{0:{fontStyle:'bold'}}}); yPos = doc.lastAutoTable.finalY + 7; if (spendingAudit.categories.length > 0) { checkYPdf(15 + spendingAudit.categories.length * 7); doc.setFontSize(11); doc.setTextColor(textColor); doc.text("Spending Audit Details:", margin, yPos); yPos+=5; const auditHead = [['Category', 'Actual ($)', '% of Total', 'Aligns?', 'Can Reduce?', 'Alternatives/Notes', 'Declutter/Cancel']]; const auditBody = spendingAudit.categories.map(cat => [ cat.name, cat.actualSpending.toFixed(2), `${spendingAudit.totalCurrentSpending > 0 ? ((cat.actualSpending / spendingAudit.totalCurrentSpending) * 100).toFixed(1) : 0}%`, cat.alignsWithValues, cat.canReduce, cat.alternatives || '-', cat.declutterIdeas || '-' ]); doc.autoTable({startY:yPos, head: auditHead, body: auditBody, theme:'grid', headStyles:{fillColor:tableHeaderColor,textColor:textColor,fontStyle:'bold',fontSize:8}, styles:{fontSize:7.5, cellPadding:1.2, cellWidth:'wrap'}, columnStyles:{1:{halign:'right'},2:{halign:'right'}} }); yPos = doc.lastAutoTable.finalY + 7; } if (actionPlan.items.length > 0) { addSectionTitle("Action Plan for Simplification & Savings"); const actionHead = [['Area/Category', 'Actions', 'Est. Annual Savings ($)', 'Target Date', 'Linked Goal']]; const actionBody = actionPlan.items.map(item => { const linkedGoal = financialGoals.find(g => g.id == item.linkedGoalId); // == because one might be string return [item.area, item.actions, item.estSavings.toFixed(2), item.targetDate || 'N/A', linkedGoal ? linkedGoal.description.substring(0,20)+'...' : 'None']; }); doc.autoTable({startY:yPos, head: actionHead, body: actionBody, theme:'grid', headStyles:{fillColor:tableHeaderColor,textColor:textColor,fontStyle:'bold',fontSize:8}, styles:{fontSize:7.5, cellPadding:1.2, cellWidth:'wrap'}, columnStyles:{2:{halign:'right'}}}); yPos = doc.lastAutoTable.finalY + 5; doc.setFontSize(9); doc.setFont(undefined,'bold'); doc.text(`Total Estimated Potential Annual Savings: $${actionPlan.totalEstPotentialSavings.toFixed(2)}`, margin, yPos); yPos+=5; doc.text(`Projected New Annual Spending: $${actionPlan.projectedNewSpending.toFixed(2)}`, margin, yPos); yPos+=5; doc.text(`Projected New Savings Rate: ${actionPlan.projectedNewSavingsRate.toFixed(1)}%`, margin, yPos); yPos+=7; doc.setFont(undefined,'normal'); } checkYPdf(50); // For Next Steps section addSectionTitle("Key Considerations & Recommended Next Steps"); const nextStepsText = [ "This planner is a tool for self-reflection and organization to help you align your finances with a minimalist lifestyle.", "The insights and plans generated are based on your inputs and estimations. Regularly review and adjust as your values, goals, or circumstances change.", "Minimalism is a personal journey; focus on what brings you value and reduces stress, rather than strict deprivation.", "Consider using any potential savings identified to accelerate debt payoff, boost investments for long-term goals, or fund experiences that align with your core values.", "This tool does not provide financial advice. For personalized financial strategies, investment advice, or complex financial planning, please consult with a qualified and licensed financial advisor or planner." ]; doc.setFontSize(8.5); nextStepsText.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("Minimalist_Financial_Lifestyle_Plan.pdf"); } updateMFLPNavButtons(); // Initial call