New Monthly P&I Payment: $${fNum(newMonthlyPI)}

---

Total Closing Costs: $${fNum(closingCosts)} (${rollClosingCosts ? 'Rolled into loan' : 'Paid out-of-pocket'})

Monthly P&I Savings: $${fNum(monthlySavings)}

This calculation focuses on Principal & Interest (P&I) savings vs. closing costs. It does not account for changes to your loan term which can affect total interest paid, potential tax implications, or changes in property taxes and homeowner's insurance. If refinancing shortens your loan term significantly with a higher payment, the 'break-even' on payment savings might not be the primary benefit; faster equity build-up and less total interest would be.

`; this.elements.analysisOutput.innerHTML = outputHTML; if(this.elements.pdfDownloadContainer) this.elements.pdfDownloadContainer.style.display = 'block'; this.navigateToNextTab(); }, downloadPdf: function() { try { if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert('PDF generation library (jsPDF core) is not loaded.'); console.error('window.jspdf or window.jspdf.jsPDF is not defined.'); return; } const { jsPDF: JSPDF_CONSTRUCTOR } = window.jspdf; const doc = new JSPDF_CONSTRUCTOR(); if (!this.calculatedData || Object.keys(this.calculatedData).length === 0) { alert('Error: Calculation data missing.'); console.error('PDF error: this.calculatedData empty.'); return; } const data = this.calculatedData; if (typeof data.currentMonthlyPI === 'undefined' || typeof data.newMonthlyPI === 'undefined') { alert('Error: Essential calculation data missing for PDF.'); console.error('PDF Error: Critical data missing for RBP calc.', data); return; } const primaryColor = '#3d5a80'; const accentColor = '#6a8ebf'; const textColor = '#333d51'; const fNum = (num, dec = 2) => (typeof num !== 'number' || isNaN(num) || !isFinite(num)) ? 'N/A' : num.toLocaleString(undefined, {minimumFractionDigits:dec, maximumFractionDigits:dec}); doc.setFontSize(18); doc.setTextColor(primaryColor); doc.text("Refinance Break-Even Analysis Report", 14, 22); doc.setFontSize(10); doc.setTextColor(textColor); doc.text(`Report Generated: ${new Date().toLocaleDateString('en-US', { year: 'numeric', month: 'long', day: 'numeric' })}`, 14, 30); let currentY = 45; const addLine = (label, value, isBold = false, color = textColor) => { doc.setFont(undefined, isBold ? 'bold' : 'normal'); doc.setTextColor(textColor); // Label color doc.text(label, 14, currentY); doc.setTextColor(color); doc.text(value, 100, currentY, {align: 'left'}); // Adjust X for value alignment currentY += 7; }; const addSubHeader = (text) => { doc.setFontSize(12); doc.setFont(undefined, 'bold'); doc.setTextColor(primaryColor); doc.text(text, 14, currentY); currentY += 8; doc.setFontSize(10); doc.setFont(undefined, 'normal'); doc.setTextColor(textColor); }; addSubHeader("Current Mortgage Details:"); addLine("Current Loan Balance:", `$${fNum(data.currentLoanBalance)}`); addLine("Current Interest Rate:", `${fNum(data.currentAnnualRate,3)}%`); addLine("Remaining Term:", `${fNum(data.currentRemainingTermYears,1)} Years`); addLine("Current Monthly P&I:", `$${fNum(data.currentMonthlyPI)}`); currentY += 5; addSubHeader("New (Refinanced) Loan Details:"); addLine("New Interest Rate:", `${fNum(data.newAnnualRate,3)}%`); addLine("New Loan Term:", `${fNum(data.newLoanTermYears,1)} Years`); addLine("New Loan Amount (after rolling costs, if any):", `$${fNum(data.newLoanAmountCalculated)}`); addLine("New Monthly P&I:", `$${fNum(data.newMonthlyPI)}`); currentY += 5; addSubHeader("Refinance Costs & Savings:"); addLine("Total Closing Costs:", `$${fNum(data.closingCosts)} (${data.rollClosingCosts ? 'Rolled into loan' : 'Paid out-of-pocket'})`); const savingsColor = data.monthlySavings > 0 ? '#27ae60' : (data.monthlySavings < 0 ? '#c0392b' : textColor); addLine("Monthly P&I Savings:", `$${fNum(data.monthlySavings)}`, true, savingsColor); currentY += 7; doc.setFontSize(12); doc.setFont(undefined, 'bold'); doc.setTextColor(primaryColor); doc.text("Break-Even Point:", 14, currentY); currentY += 8; doc.setFontSize(10); doc.setFont(undefined, 'normal'); doc.setTextColor(textColor); let breakEvenTextForPdf = ""; if (data.monthlySavings > 0) { breakEvenTextForPdf = `Approximately ${data.breakEvenYears} years and ${data.breakEvenRemainderMonths} months.`; } else if (data.monthlySavings === 0) { breakEvenTextForPdf = "Monthly payment will not change. No P&I savings."; } else { breakEvenTextForPdf = `Monthly payment will increase by $${fNum(Math.abs(data.monthlySavings))}. No break-even on savings.`; } doc.text(breakEvenTextForPdf, 14, currentY); currentY += 12; doc.setFontSize(9); doc.setTextColor('#5e6b7e'); const finalNote = "This calculation focuses on P&I savings vs. closing costs. It does not account for loan term changes affecting total interest, tax implications, or property tax/insurance changes. If refinancing significantly alters your loan term, consider the impact on total interest paid and equity accumulation. This tool does not provide financial advice."; const splitFinalNote = doc.splitTextToSize(finalNote, doc.internal.pageSize.width - 28); doc.text(splitFinalNote, 14, currentY > doc.internal.pageSize.height - 40 ? (doc.internal.pageSize.height - 30) : currentY ); doc.save("Refinance_Break_Even_Analysis.pdf"); } catch (error) { console.error("PDF Generation Error:", error); alert("An error occurred while generating the PDF: " + error.message + "\nPlease check the console (F12)."); } } }; document.addEventListener('DOMContentLoaded', function() { rbpApp.init(); });