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"; } }); function formatCurrencyPLR(value) { const num = Number(value); if (isNaN(num)) return "0.00"; return num.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); } function emiCalculatorPLRHelper(principal, termMonths, annualRate) { if (principal <= 0 || termMonths <= 0) return 0; let safeAnnualRate = Math.max(0, annualRate); const monthlyRate = safeAnnualRate / 12 / 100; if (monthlyRate === 0) { return principal / termMonths; } const payment = principal * (monthlyRate * Math.pow(1 + monthlyRate, termMonths)) / (Math.pow(1 + monthlyRate, termMonths) - 1); return (isNaN(payment) || !isFinite(payment)) ? 0 : payment; } function calculateRefinanceComparisonPLR() { // Get Current Loan Inputs const currentBalance = parseFloat(currentLoanBalanceIn.value); const currentRate = parseFloat(currentInterestRateIn.value); const currentTerm = parseInt(remainingPaymentsIn.value); // Get New Loan Inputs const newRate = parseFloat(newLoanInterestRateIn.value); const newTerm = parseInt(newLoanTermMonthsIn.value); const fees = parseFloat(refinanceFeesIn.value) || 0; const rollFees = rollFeesInLoanCheck.checked; // Validations if (isNaN(currentBalance) || currentBalance <= 0) { alert("Enter a valid Current Loan Balance."); return; } if (isNaN(currentRate) || currentRate < 0) { alert("Enter a valid Current Interest Rate."); return; } if (isNaN(currentTerm) || currentTerm <= 0) { alert("Enter valid Remaining Payments for Current Loan."); return; } if (isNaN(newRate) || newRate < 0) { alert("Enter a valid New Loan Interest Rate."); return; } if (isNaN(newTerm) || newTerm <= 0) { alert("Select a valid New Loan Term."); return; } if (isNaN(fees) || fees < 0) { alert("Refinancing Fees must be 0 or positive."); return; } // A. Current Loan Calculations const currentMonthlyPayment = emiCalculatorPLRHelper(currentBalance, currentTerm, currentRate); const currentTotalRepayment = currentMonthlyPayment * currentTerm; const currentTotalInterest = currentTotalRepayment - currentBalance; // B. New Refinance Loan Calculations let newLoanPrincipal = currentBalance; let upfrontFeeCost = 0; if (rollFees) { newLoanPrincipal += fees; } else { upfrontFeeCost = fees; // Fee paid upfront, not added to loan principal } const newMonthlyPayment = emiCalculatorPLRHelper(newLoanPrincipal, newTerm, newRate); const newTotalLoanRepaymentPortion = newMonthlyPayment * newTerm; // Repayment of the loan itself const newTotalInterest = newLoanPrincipal > 0 ? newTotalLoanRepaymentPortion - newLoanPrincipal : 0; // C. Comparison const monthlyPaymentChange = currentMonthlyPayment - newMonthlyPayment; // Total cost consideration const totalCostOfKeepingCurrentLoan = currentTotalRepayment; const totalCostWithNewLoan = newTotalLoanRepaymentPortion + upfrontFeeCost; // Add upfront fees to total cost of new option const overallSavings = totalCostOfKeepingCurrentLoan - totalCostWithNewLoan; const payoffTimeChange = currentTerm - newTerm; // Update UI currentMonthlyPaymentOut.textContent = `$${formatCurrencyPLR(currentMonthlyPayment)}`; currentTotalRemainingInterestOut.textContent = `$${formatCurrencyPLR(currentTotalInterest < 0 ? 0 : currentTotalInterest)}`; currentTotalRemainingPaymentOut.textContent = `$${formatCurrencyPLR(currentTotalRepayment)}`; newLoanPrincipalOut.textContent = `$${formatCurrencyPLR(newLoanPrincipal)}`; newMonthlyPaymentOut.textContent = `$${formatCurrencyPLR(newMonthlyPayment)}`; newTotalInterestOut.textContent = `$${formatCurrencyPLR(newTotalInterest < 0 ? 0 : newTotalInterest)}`; feesPaidDisplayOut.textContent = `$${formatCurrencyPLR(fees)} (${rollFees ? 'Rolled into loan' : 'Paid upfront'})`; newTotalPaymentOut.textContent = `$${formatCurrencyPLR(newTotalLoanRepaymentPortion)}`; let monthlyChangeText = `$${formatCurrencyPLR(Math.abs(monthlyPaymentChange))}`; monthlyChangeText += (monthlyPaymentChange > 0) ? " lower per month" : (monthlyPaymentChange < 0 ? " higher per month" : " (no change)"); monthlyPaymentChangeOut.textContent = monthlyChangeText; let savingsText = ""; totalSavingsOut.className = 'plr-savings-highlight'; // Reset classes if (overallSavings > 0) { savingsText = `Potential overall savings of $${formatCurrencyPLR(overallSavings)}.`; totalSavingsOut.classList.add('positive'); } else if (overallSavings < 0) { savingsText = `Potential overall cost of $${formatCurrencyPLR(Math.abs(overallSavings))}.`; totalSavingsOut.classList.add('negative'); } else { savingsText = "No overall change in total cost."; totalSavingsOut.classList.add('neutral'); } totalSavingsOut.textContent = savingsText; let payoffText = `${Math.abs(payoffTimeChange)} months`; payoffText += (payoffTimeChange > 0) ? " sooner" : (payoffTimeChange < 0 ? " later" : " (no change)"); payoffTimeChangeOut.textContent = payoffText; resultsSectionPLR.style.display = "block"; calculatedValuesPLR = { current: { balance: currentBalance, rate: currentRate, term: currentTerm, monthly: currentMonthlyPayment, totalInterest: currentTotalInterest, totalPayment: currentTotalRepayment }, newLoan: { principal: newLoanPrincipal, rate: newRate, term: newTerm, fees: fees, rollFees: rollFees, monthly: newMonthlyPayment, totalInterest: newTotalInterest, totalPayment: newTotalLoanRepaymentPortion, upfrontFeeCost: upfrontFeeCost }, comparison: { monthlyChange: monthlyPaymentChange, overallSavings: overallSavings, payoffTimeChange: payoffTimeChange } }; } function generatePdfPLR() { if (Object.keys(calculatedValuesPLR).length === 0 || !resultsSectionPLR || resultsSectionPLR.style.display === 'none') { alert('Please calculate the comparison first to generate a PDF summary.'); return; } if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert('PDF generation library (jsPDF) is not loaded.'); return; } const { jsPDF } = window.jspdf; const doc = new jsPDF(); if (typeof doc.autoTable !== 'function') { alert('PDF generation plugin (jsPDF-AutoTable) is not loaded.'); return; } const data = calculatedValuesPLR; try { doc.setFontSize(18); doc.setTextColor(62, 138, 124); // #3E8A7C Darker Seafoam doc.text("Personal Loan Refinancing Analysis", 14, 22); doc.setFontSize(10); doc.setTextColor(100); doc.text(`Report Generated: ${new Date().toLocaleDateString()}`, 14, 28); let startY = 38; const tableTheme = 'grid'; const headFillColor = [120, 200, 180]; // #78C8B4 Seafoam const headTextColor = [255, 255, 255]; // Current Loan doc.setFontSize(12); doc.setTextColor(94, 174, 155); // #5EAE9B doc.text("Current Loan Details", 14, startY); startY += 7; doc.autoTable({ body: [ ['Outstanding Balance:', `$${formatCurrencyPLR(data.current.balance)}`], ['Interest Rate:', `${(data.current.rate || 0).toFixed(2)}%`], ['Remaining Term:', `${data.current.term} months`], ['Monthly Payment:', `$${formatCurrencyPLR(data.current.monthly)}`], ['Total Remaining Interest:', `$${formatCurrencyPLR(data.current.totalInterest < 0 ? 0 : data.current.totalInterest)}`], ['Total Remaining Payments:', `$${formatCurrencyPLR(data.current.totalPayment)}`] ], startY: startY, theme: 'plain', styles: { fontSize: 10, cellPadding: 1.5 }, columnStyles: { 0: { fontStyle: 'bold', cellWidth: 70 } } }); startY = doc.lastAutoTable.finalY + 10; // New Loan doc.setFontSize(12); doc.setTextColor(94, 174, 155); doc.text("New Refinance Loan Details", 14, startY); startY += 7; doc.autoTable({ body: [ ['New Loan Interest Rate:', `${(data.newLoan.rate || 0).toFixed(2)}%`], ['New Loan Term:', `${data.newLoan.term} months`], ['Refinancing Fees:', `$${formatCurrencyPLR(data.newLoan.fees)} (${data.newLoan.rollFees ? 'Rolled into loan' : 'Paid upfront'})`], ['Actual New Loan Principal:', `$${formatCurrencyPLR(data.newLoan.principal)}`], ['New Monthly Payment:', `$${formatCurrencyPLR(data.newLoan.monthly)}`], ['Total Interest on New Loan:', `$${formatCurrencyPLR(data.newLoan.totalInterest < 0 ? 0 : data.newLoan.totalInterest)}`], ['Total Repayment for New Loan (Loan part):', `$${formatCurrencyPLR(data.newLoan.totalPayment)}`] ], startY: startY, theme: 'plain', styles: { fontSize: 10, cellPadding: 1.5 }, columnStyles: { 0: { fontStyle: 'bold', cellWidth: 70 } } }); startY = doc.lastAutoTable.finalY + 10; // Comparison Summary doc.setFontSize(12); doc.setTextColor(94, 174, 155); doc.text("Refinancing Comparison Summary", 14, startY); startY += 7; let monthlyChangeTextPdf = `$${formatCurrencyPLR(Math.abs(data.comparison.monthlyChange))}`; monthlyChangeTextPdf += (data.comparison.monthlyChange > 0) ? " lower/month" : (data.comparison.monthlyChange < 0 ? " higher/month" : " (no change)"); let savingsTextPdf = ""; if (data.comparison.overallSavings > 0) savingsTextPdf = `Potential overall savings of $${formatCurrencyPLR(data.comparison.overallSavings)}.`; else if (data.comparison.overallSavings < 0) savingsTextPdf = `Potential overall cost of $${formatCurrencyPLR(Math.abs(data.comparison.overallSavings))}.`; else savingsTextPdf = "No overall change in total cost."; let payoffTextPdf = `${Math.abs(data.comparison.payoffTimeChange)} months`; payoffTextPdf += (data.comparison.payoffTimeChange > 0) ? " sooner" : (data.comparison.payoffTimeChange < 0 ? " later" : " (no change)"); doc.autoTable({ body: [ ['Change in Monthly Payment:', monthlyChangeTextPdf], ['Overall Financial Impact:', savingsTextPdf], ['Change in Loan Payoff Time:', payoffTextPdf] ], startY: startY, theme: 'plain', styles: { fontSize: 10, cellPadding: 1.5, fontStyle: 'bold' }, columnStyles: { 0: { cellWidth: 70 } } }); doc.save("Personal_Loan_Refinancing_Analysis.pdf"); } catch (error) { console.error("PLR PDF Error:", error); alert("An error occurred while generating the PDF: " + error.message); } }