Potential Impact of Balance Transfer:
Change in Total Monthly Payment:
${monthlyPaymentChange > 0.005 ? 'Save approx. ' + blt_formatCurrency(monthlyPaymentChange) + '/month' : (monthlyPaymentChange < -0.005 ? 'Increase by approx. ' + blt_formatCurrency(Math.abs(monthlyPaymentChange)) + '/month' : 'Roughly the same monthly payment.')}
You will now have one single payment for these debts over a fixed ${newLoanTermMonths}-month term.
The total financing cost (interest + fees) for this new loan is estimated at ${blt_formatCurrency(totalCostOfNewLoan)}. Compare this to the ongoing interest you would pay on your current debts to determine overall savings.
`;
const effectiveCostRateNewLoan = (totalCostOfNewLoan / totalDebtToTransfer) / (newLoanTermMonths / 12) * 100; // Very rough annual cost rate
if (newLoanAPR < currentWeightedAPR && totalDebtToTransfer > 0) {
resultsHTML += `
Since the new loan's APR (${blt_formatPercent(newLoanAPR)}) is lower than your current weighted average APR (${blt_formatPercent(currentWeightedAPR)}), you are likely to save on interest, provided the balance transfer fee doesn't offset these savings significantly.
`;
} else if (newLoanAPR > currentWeightedAPR && totalDebtToTransfer > 0) {
resultsHTML += `
Caution: The new loan's APR (${blt_formatPercent(newLoanAPR)}) is higher than your current weighted average APR (${blt_formatPercent(currentWeightedAPR)}). This transfer might increase your overall interest costs, even if monthly payments change.
`;
}
resultsHTML += `
`;
if(blt_el.resultsContainer) blt_el.resultsContainer.innerHTML = resultsHTML;
if(blt_el.pdfDownloadBtn && blt_el.pdfDownloadBtn.style) blt_el.pdfDownloadBtn.style.display = 'block';
}
function blt_resetForm() {
if(blt_el.debtEntriesContainer) blt_el.debtEntriesContainer.innerHTML = "";
blt_debtEntryCount = 0;
blt_addDebtEntry('Credit Card V', 4000, 24, 120);
blt_addDebtEntry('Store Card Z', 1500, 28, 50);
if(blt_el.newLoanAPR) blt_el.newLoanAPR.value = "11.0";
if(blt_el.newLoanTerm) blt_el.newLoanTerm.value = "36";
if(blt_el.transferFeeRate) blt_el.transferFeeRate.value = "3";
if(blt_el.transferFlatFee) blt_el.transferFlatFee.value = "";
blt_updateCurrentDebtSummary();
document.querySelectorAll('#balanceTransferCalculator .blt-error-message').forEach(el => el.textContent = '');
if(blt_el.resultsContainer) blt_el.resultsContainer.innerHTML = "";
if(blt_el.pdfDownloadBtn && blt_el.pdfDownloadBtn.style) blt_el.pdfDownloadBtn.style.display = 'none';
if(blt_el.resultsTabButton) blt_el.resultsTabButton.disabled = true;
blt_currentTab = 0;
blt_openTab(null, 'blt-tabCurrentDebts');
}
function blt_downloadPDF() {
if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF !== 'function' ||
typeof window.html2canvas !== 'function') { // Removed autoTable check for now
alert("PDF generation library not fully loaded. Check CDN links & internet connection."); return;
}
const jsPDFConstructor = window.jspdf.jsPDF;
const resultsToCapture = blt_el.resultsContainer;
const disclaimerContent = document.querySelector('#balanceTransferCalculator .blt-disclaimer-note');
if (!resultsToCapture || !resultsToCapture.innerHTML.trim().includes("Estimated New Balance Transfer Loan")) {
alert("No results to download. Please calculate first."); return;
}
const pdf = new jsPDFConstructor('p', 'pt', 'a4');
const toolTitle = "Personal Loan Balance Transfer Analysis";
const margins = { top: 40, bottom: 40, left: 30, right: 30 };
let yPos = margins.top;
pdf.setFontSize(18);
pdf.text(toolTitle, pdf.internal.pageSize.getWidth() / 2, yPos, { align: 'center' });
yPos += 30;
// Current Debts Summary (from displayed values)
pdf.setFontSize(11);
pdf.text("Summary of Your Current Debts for Transfer:", margins.left, yPos); yPos += 15;
pdf.setFontSize(9);
pdf.text(`- Total Outstanding Debt: ${blt_el.currentTotalDebtDisplay.textContent}`, margins.left + 10, yPos); yPos += 13;
pdf.text(`- Total Current Monthly Payments: ${blt_el.currentTotalMonthlyPaymentsDisplay.textContent}`, margins.left + 10, yPos); yPos += 13;
pdf.text(`- Weighted Average APR: ${blt_el.currentWeightedAPRDisplay.textContent}`, margins.left + 10, yPos); yPos += 20;
// New Loan Terms
pdf.setFontSize(11);
pdf.text("Proposed New Balance Transfer Loan Terms:", margins.left, yPos); yPos += 15;
pdf.setFontSize(9);
pdf.text(`- Initial Transfer Amount: ${blt_el.newLoanPrincipalBaseDisplay.textContent}`, margins.left + 10, yPos); yPos += 13;
pdf.text(`- Estimated APR: ${blt_el.newLoanAPR.value}%`, margins.left + 10, yPos); yPos += 13;
pdf.text(`- Loan Term: ${blt_el.newLoanTerm.value} months`, margins.left + 10, yPos); yPos += 13;
const feeRate = blt_el.transferFeeRate.value.trim();
const flatFee = blt_el.transferFlatFee.value.trim();
if (feeRate) pdf.text(`- Transfer Fee: ${feeRate}% of transfer amount`, margins.left + 10, yPos);
else if (flatFee) pdf.text(`- Transfer Fee: ${blt_formatCurrency(parseFloat(flatFee))}`, margins.left + 10, yPos);
else pdf.text(`- Transfer Fee: None entered`, margins.left + 10, yPos);
yPos += 20;
// Results Summary using html2canvas for better formatting capture
if (yPos > pdf.internal.pageSize.getHeight() - margins.bottom - 100) { // Check space
pdf.addPage(); yPos = margins.top;
}
pdf.setFontSize(11);
pdf.text("Analysis & Comparison Details:", margins.left, yPos); yPos += 5;
html2canvas(resultsToCapture, {scale: 1.2, backgroundColor: '#ffffff', useCORS: true, windowWidth: resultsToCapture.scrollWidth}).then(canvas => {
const imgData = canvas.toDataURL('image/png');
const imgProps = pdf.getImageProperties(imgData);
const pdfWidth = pdf.internal.pageSize.getWidth() - margins.left - margins.right;
let pdfHeight = (imgProps.height * pdfWidth) / imgProps.width;
const maxHeightPerPage = pdf.internal.pageSize.getHeight() - margins.top - margins.bottom - yPos; // Remaining space
if (pdfHeight > maxHeightPerPage && yPos > margins.top + 50) { // If not enough space on current page (and not first item)
pdf.addPage(); yPos = margins.top;
} else if (pdfHeight > maxHeightPerPage) { // If too big for a single page anyway
pdfHeight = maxHeightPerPage; // Truncate for this simplified PDF for now
console.warn("PDF results section might be truncated due to length");
}
pdf.addImage(imgData, 'PNG', margins.left, yPos, pdfWidth, pdfHeight);
yPos += pdfHeight + 20;
if (disclaimerContent) {
if (yPos > pdf.internal.pageSize.getHeight() - margins.bottom - 40) {
pdf.addPage(); yPos = margins.top;
}
pdf.setFontSize(8);
const disclaimerLines = pdf.splitTextToSize(disclaimerContent.innerText.trim(), pdf.internal.pageSize.getWidth() - margins.left - margins.right);
pdf.text(disclaimerLines, margins.left, yPos);
}
pdf.save('Balance_Transfer_Analysis.pdf');
}).catch(err => {
console.error("Error generating PDF results with html2canvas:", err);
alert("Error rendering results to PDF. The PDF may be incomplete.");
pdf.save('Balance_Transfer_Analysis_Partial.pdf'); // Save what we have
});
}
