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"; } }); function formatCurrencyPCC(value) { const num = Number(value); if (isNaN(num) || !isFinite(num)) return "0.00"; return num.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); } function formatMonthsToYearsMonthsPCC(totalMonths) { if (isNaN(totalMonths) || totalMonths <= 0 || !isFinite(totalMonths)) return "N/A"; const years = Math.floor(totalMonths / 12); const months = Math.round(totalMonths % 12); // Round fractional months let result = ""; if (years > 0) result += `${years} year${years > 1 ? 's' : ''}`; if (months > 0) result += `${years > 0 ? ', ' : ''}${months} month${months > 1 ? 's' : ''}`; return result || "0 months"; } function timeToPayOffCcPCCHelper(balance, apr, monthlyPayment) { if (balance <= 0) return { months: 0, totalInterest: 0, totalPaid: 0, warning: "" }; if (monthlyPayment <= 0) return { months: Infinity, totalInterest: Infinity, totalPaid: Infinity, warning: "Monthly payment must be positive." }; const monthlyRate = apr / 12 / 100; const firstMonthInterest = balance * monthlyRate; if (monthlyPayment <= firstMonthInterest && monthlyRate > 0) { // If payment doesn't cover first month's interest (and there is interest) return { months: Infinity, totalInterest: Infinity, totalPaid: Infinity, warning: "Planned payment is too low; it doesn't cover the monthly interest. Debt will grow or never be paid off." }; } if (monthlyRate === 0) { // No interest if (monthlyPayment <=0) return { months: Infinity, totalInterest: 0, totalPaid: balance, warning: "Monthly payment must be positive." }; return { months: Math.ceil(balance / monthlyPayment), totalInterest: 0, totalPaid: balance, warning: "" }; } // NPER formula: n = -log(1 - (rate * pv) / pmt) / log(1 + rate) // Ensure pmt is treated as a positive value for calculation logic here, even if it's an outflow. // The formula requires that (rate * pv) / pmt < 1 for a positive log argument. // This is equivalent to pmt > rate * pv, which is checked above. const numMonths = -Math.log(1 - (monthlyRate * balance) / monthlyPayment) / Math.log(1 + monthlyRate); if (!isFinite(numMonths) || numMonths < 0) { // Should be caught by earlier checks, but as safety return { months: Infinity, totalInterest: Infinity, totalPaid: Infinity, warning: "Cannot calculate payoff time with these inputs. Payment might be too low." }; } const totalPaid = monthlyPayment * numMonths; const totalInterest = totalPaid - balance; return { months: Math.ceil(numMonths), totalInterest: totalInterest, totalPaid: totalPaid, warning: "" }; } function emiCalculatorPCCHelper(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 calculatePccComparison() { const ccBalance = parseFloat(ccBalanceIn.value); const ccAPR = parseFloat(ccAprIn.value); const ccPlannedPayment = parseFloat(plannedCcPaymentIn.value); const plAPR = parseFloat(plAprIn.value); const plTerm = parseInt(plTermIn.value); const plFee = parseFloat(plFeeIn.value) || 0; // Validations if (isNaN(ccBalance) || ccBalance <= 0) { alert("Enter a valid Credit Card Balance."); return; } if (isNaN(ccAPR) || ccAPR < 0) { alert("Enter a valid Credit Card APR."); return; } if (isNaN(ccPlannedPayment) || ccPlannedPayment <= 0) { alert("Enter a valid Planned Monthly Payment for Credit Card."); return; } if (isNaN(plAPR) || plAPR < 0) { alert("Enter a valid Personal Loan APR."); return; } if (isNaN(plTerm) || plTerm <= 0) { alert("Select a valid Personal Loan Term."); return; } if (isNaN(plFee) || plFee < 0) { alert("Personal Loan Fee must be 0 or positive."); return; } // A. Credit Card Scenario const ccPayoff = timeToPayOffCcPCCHelper(ccBalance, ccAPR, ccPlannedPayment); ccWarningMessage.style.display = ccPayoff.warning ? "block" : "none"; ccWarningMessage.textContent = ccPayoff.warning; ccTimeToPayoffOut.textContent = isFinite(ccPayoff.months) ? formatMonthsToYearsMonthsPCC(ccPayoff.months) : "Never (payment too low)"; ccTotalInterestOut.textContent = isFinite(ccPayoff.totalInterest) ? `$${formatCurrencyPCC(ccPayoff.totalInterest)}` : "N/A"; ccTotalAmountPaidOut.textContent = isFinite(ccPayoff.totalPaid) ? `$${formatCurrencyPCC(ccPayoff.totalPaid)}` : "N/A"; // B. Personal Loan Scenario const plLoanAmount = ccBalance; // Loan amount is to cover the CC debt const plMonthlyPayment = emiCalculatorPCCHelper(plLoanAmount, plTerm, plAPR); const plTotalLoanRepayment = plMonthlyPayment * plTerm; const plTotalInterest = plTotalLoanRepayment - plLoanAmount; const plTotalCostWithFee = plTotalLoanRepayment + plFee; plLoanAmountOut.textContent = `$${formatCurrencyPCC(plLoanAmount)}`; plMonthlyPaymentOut.textContent = `$${formatCurrencyPCC(plMonthlyPayment)}`; plTotalInterestOut.textContent = `$${formatCurrencyPCC(plTotalInterest < 0 ? 0 : plTotalInterest)}`; plUpfrontFeeOut.textContent = `$${formatCurrencyPCC(plFee)}`; plTotalCostOut.textContent = `$${formatCurrencyPCC(plTotalCostWithFee)}`; plTimeToPayoffOut.textContent = formatMonthsToYearsMonthsPCC(plTerm); // C. Comparison let monthlyDiffText = "N/A"; if (isFinite(ccPayoff.months) && ccPlannedPayment > 0 && plMonthlyPayment > 0) { const diff = ccPlannedPayment - plMonthlyPayment; monthlyDiffText = `$${formatCurrencyPCC(Math.abs(diff))} ${diff > 0 ? "less with PL" : (diff < 0 ? "more with PL" : " (no change)")}`; } monthlyPaymentDiffOut.textContent = monthlyDiffText; let interestSavedText = "Comparison not possible if CC doesn't pay off."; totalInterestSavedOut.className = 'pcc-comparison-highlight neutral'; if (isFinite(ccPayoff.totalInterest)) { const ccTotalCostToClear = ccPayoff.totalPaid; // This includes principal const plTotalCostToClearWithFee = plTotalCostWithFee; const overallSavings = ccTotalCostToClear - plTotalCostToClearWithFee; if (overallSavings > 0) { interestSavedText = `You could save $${formatCurrencyPCC(overallSavings)} overall with the Personal Loan.`; totalInterestSavedOut.classList.remove('neutral', 'negative-save'); totalInterestSavedOut.classList.add('positive-save'); } else if (overallSavings < 0) { interestSavedText = `The Personal Loan option could cost $${formatCurrencyPCC(Math.abs(overallSavings))} more overall.`; totalInterestSavedOut.classList.remove('neutral', 'positive-save'); totalInterestSavedOut.classList.add('negative-save'); } else { interestSavedText = "Overall costs are similar."; totalInterestSavedOut.classList.remove('positive-save', 'negative-save'); totalInterestSavedOut.classList.add('neutral-save'); } } totalInterestSavedOut.textContent = interestSavedText; let debtFreeSoonerText = "N/A"; if (isFinite(ccPayoff.months)) { const diffMonths = ccPayoff.months - plTerm; debtFreeSoonerText = `${Math.abs(diffMonths)} month${Math.abs(diffMonths) !== 1 ? 's' : ''} ${diffMonths > 0 ? "sooner with PL" : (diffMonths < 0 ? "later with PL" : " (same time)")}`; } debtFreeSoonerOut.textContent = debtFreeSoonerText; resultsSectionPCC.style.display = "block"; calculatedValuesPCC = { cc: { balance: ccBalance, apr: ccAPR, payment: ccPlannedPayment, ...ccPayoff }, pl: { loanAmount: plLoanAmount, apr: plAPR, term: plTerm, fee: plFee, monthly: plMonthlyPayment, totalInterest: plTotalInterest, totalCost: plTotalCostWithFee }, comparison: { monthlyPaymentDiffText: monthlyPaymentDiffOut.textContent, // Store the formatted text totalInterestSavedText: totalInterestSavedOut.textContent, debtFreeSoonerText: debtFreeSoonerOut.textContent } }; } function generatePccPdf() { if (Object.keys(calculatedValuesPCC).length === 0 || !resultsSectionPCC || resultsSectionPCC.style.display === 'none') { alert('Please perform 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 = calculatedValuesPCC; try { doc.setFontSize(18); doc.setTextColor(0, 64, 133); // #004085 Dark Blue doc.text("Personal Loan vs. Credit Card Debt Comparison", 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 = [0, 123, 255]; // Primary Blue #007bff const headTextColor = [255, 255, 255]; // Inputs doc.setFontSize(12); doc.setTextColor(0, 86, 179); // #0056b3 Medium Blue doc.text("Input Details", 14, startY); startY += 7; doc.autoTable({ body: [ ['Credit Card Balance:', `$${formatCurrencyPCC(data.cc.balance)}`], ['Credit Card APR:', `${(data.cc.apr || 0).toFixed(2)}%`], ['Planned CC Monthly Payment:', `$${formatCurrencyPCC(data.cc.payment)}`], ['Personal Loan APR:', `${(data.pl.apr || 0).toFixed(2)}%`], ['Personal Loan Term:', `${data.pl.term} months`], ['Personal Loan Upfront Fee:', `$${formatCurrencyPCC(data.pl.fee)}`] ], startY: startY, theme: 'plain', styles: { fontSize: 10, cellPadding: 1.5 }, columnStyles: { 0: { fontStyle: 'bold', cellWidth: 70 } } }); startY = doc.lastAutoTable.finalY + 10; // CC Scenario doc.setFontSize(12); doc.setTextColor(0, 86, 179); doc.text("Credit Card Payoff Projection", 14, startY); startY += 7; let ccBody = []; if (data.cc.warning) { ccBody.push(['Warning:', data.cc.warning]); } ccBody.push(['Time to Pay Off:', isFinite(data.cc.months) ? formatMonthsToYearsMonthsPCC(data.cc.months) : "Never (payment too low)"]); ccBody.push(['Total Interest Paid:', isFinite(data.cc.totalInterest) ? `$${formatCurrencyPCC(data.cc.totalInterest)}` : "N/A"]); ccBody.push(['Total Amount Paid:', isFinite(data.cc.totalPaid) ? `$${formatCurrencyPCC(data.cc.totalPaid)}` : "N/A"]); doc.autoTable({ body: ccBody, startY: startY, theme: 'plain', styles: { fontSize: 10, cellPadding: 1.5 }, columnStyles: { 0: { fontStyle: 'bold', cellWidth: 70 } } }); startY = doc.lastAutoTable.finalY + 10; // PL Scenario doc.setFontSize(12); doc.setTextColor(0, 86, 179); doc.text("Personal Loan Option", 14, startY); startY += 7; doc.autoTable({ body: [ ['Loan Amount (to cover CC debt):', `$${formatCurrencyPCC(data.pl.loanAmount)}`], ['Monthly Payment (EMI):', `$${formatCurrencyPCC(data.pl.monthly)}`], ['Total Interest Paid on Loan:', `$${formatCurrencyPCC(data.pl.totalInterest < 0 ? 0 : data.pl.totalInterest)}`], ['Upfront Loan Fee:', `$${formatCurrencyPCC(data.pl.fee)}`], ['Total Cost (Loan Repayment + Fee):', `$${formatCurrencyPCC(data.pl.totalCost)}`], ['Time to Pay Off:', formatMonthsToYearsMonthsPCC(data.pl.term)] ], 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(0, 86, 179); doc.text("Comparison Summary", 14, startY); startY += 7; doc.autoTable({ body: [ ['Change in Monthly Payment:', data.comparison.monthlyPaymentDiffText], ['Overall Financial Impact:', data.comparison.totalInterestSavedText], ['Change in Time to Debt Freedom:', data.comparison.debtFreeSoonerText] ], startY: startY, theme: 'plain', styles: { fontSize: 10, cellPadding: 1.5, fontStyle: 'bold' }, columnStyles: { 0: { cellWidth: 70 } } }); doc.save("PL_vs_CC_Debt_Comparison.pdf"); } catch (error) { console.error("PCC PDF Error:", error); alert("An error occurred while generating the PDF: " + error.message); } }