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"; return; } function formatCurrency(value) { const num = Number(value); if (isNaN(num)) return '$--'; return `$${num.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`; } estimateBtn.addEventListener('click', function() { const balance = parseFloat(loanBalanceEl.value); const annualRate = parseFloat(interestRateEl.value); const graceDays = parseInt(gracePeriodDaysEl.value); const handlingMethod = interestHandlingEl.value; if (isNaN(balance) || balance <= 0) { alert("Please enter a valid current loan balance."); loanBalanceEl.focus(); return; } if (isNaN(annualRate) || annualRate < 0 || annualRate > 100) { alert("Please enter a valid annual interest rate (0-100)."); interestRateEl.focus(); return; } if (isNaN(graceDays) || graceDays <= 0 || graceDays > 90) { alert("Please enter a valid grace period duration in days (1-90)."); gracePeriodDaysEl.focus(); return; } const dailyRate = annualRate > 0 ? (annualRate / 100) / 365 : 0; const accruedInterest = balance * dailyRate * graceDays; resAccruedInterestEl.textContent = formatCurrency(accruedInterest); let consequenceText = ""; let directCost = accruedInterest; if (handlingMethod === 'added_next_payment') { consequenceText = `This accrued interest of ${formatCurrency(accruedInterest)} will likely be added to your next scheduled payment. Your next payment could be higher by this amount. This ensures the loan stays on track without adding to the principal, but requires a larger immediate outlay.`; } else if (handlingMethod === 'capitalized') { consequenceText = `This accrued interest of ${formatCurrency(accruedInterest)} will likely be capitalized, meaning it's added to your outstanding loan balance. Your new balance would be approximately ${formatCurrency(balance + accruedInterest)}. This increases the principal you owe, leading to more interest paid over the life of the loan and potentially slightly higher future payments or a longer loan term. The long-term cost of this grace period will be greater than just the accrued interest shown.`; } else if (handlingMethod === 'waived') { consequenceText = `If your lender explicitly agrees to waive this accrued interest, then your direct financial cost for this grace period is $0.00. However, ensure you have this confirmation in writing, as this is uncommon for most personal loans. Delaying payment without interest accrual or capitalization effectively means the lender is absorbing this cost.`; directCost = 0; } resConsequenceEl.innerHTML = consequenceText; // Use innerHTML if you plan to add HTML tags later resDirectCostEl.textContent = formatCurrency(directCost); resultsOutputEl.style.display = 'block'; lastCalculatedData = { balance, annualRate, graceDays, handlingMethod, accruedInterest, directCost, consequenceText }; }); pdfDownloadBtn.addEventListener('click', function() { if (!lastCalculatedData) { alert("Please estimate the cost first."); return; } if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert("Error: Core PDF library (jsPDF) is not loaded."); console.error("jsPDF core not available."); return; } const { jsPDF } = window.jspdf; const doc = new jsPDF("p", "mm", "a4"); try { let yPos = 15; const lineH = 7; const margin = 15; const pageWidth = doc.internal.pageSize.getWidth(); const contentWidth = pageWidth - (2 * margin); doc.setFontSize(16).setFont(undefined,'bold').text("Loan Grace Period Cost Estimate", pageWidth/2, yPos, {align:'center'}); yPos+=lineH*1.5; doc.setFontSize(11).setFont(undefined,'bold').text("Inputs:", margin, yPos); yPos+=lineH; doc.setFontSize(9).setFont(undefined,'normal'); const data = lastCalculatedData; doc.text(`Current Loan Balance: ${formatCurrency(data.balance)}`, margin + 2, yPos); yPos += lineH * 0.8; doc.text(`Annual Interest Rate: ${data.annualRate}%`, margin + 2, yPos); yPos += lineH * 0.8; doc.text(`Grace Period / Payment Delay: ${data.graceDays} days`, margin + 2, yPos); yPos += lineH * 0.8; doc.text(`Interest Handling Method: ${interestHandlingEl.options[interestHandlingEl.selectedIndex].text}`, margin + 2, yPos); yPos += lineH * 1.2; doc.setFontSize(11).setFont(undefined,'bold').text("Estimated Impact:", margin, yPos); yPos+=lineH; doc.setFontSize(10).setFont(undefined,'normal'); doc.text("Estimated Interest Accrued During Grace Period:", margin + 2, yPos); doc.setFont(undefined,'bold').text(formatCurrency(data.accruedInterest), margin + 90, yPos); yPos += lineH; doc.setFont(undefined,'normal'); yPos += lineH * 0.5; doc.setFontSize(9); const consequenceLines = doc.splitTextToSize(data.consequenceText, contentWidth - 4); doc.text(consequenceLines, margin + 2, yPos); yPos += (consequenceLines.length * lineH * 0.7) + lineH * 0.5; doc.setFontSize(10).setFont(undefined,'bold').setTextColor(133, 100, 4); // Dark Yellow/Brown doc.text("Total Direct Cost for this Grace Period:", margin + 2, yPos); doc.text(formatCurrency(data.directCost), margin + 90, yPos); doc.setTextColor(0,0,0); yPos += lineH * 1.5; doc.setFontSize(8).setFont(undefined,'normal'); const disclaimerText = document.querySelector('#loanGracePeriodCostTool .important-note-lgpc').innerText.replace("Important: ", "").trim(); const disclaimerLines = doc.splitTextToSize(disclaimerText, contentWidth); if (yPos + (disclaimerLines.length * lineH * 0.7) + 6 > 280 && disclaimerLines.length > 0) { doc.addPage(); yPos = 15; } doc.setDrawColor(220,220,220); doc.setFillColor(241,243,245); doc.rect(margin, yPos -3 , contentWidth, (disclaimerLines.length * lineH * 0.6) + 6 , 'FD'); doc.setTextColor(80,80,80).text(disclaimerLines, margin+2, yPos+2); doc.save("Loan_Grace_Period_Cost_Estimate.pdf"); } catch (error) { console.error("Error during PDF generation:", error); alert("An unexpected error occurred while generating the PDF. Please check the console. Error: " + error.message); } }); });