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"; } }); function formatCurrencySLT(value, showNegativeSign = true) { const num = Number(value); if (isNaN(num) || !isFinite(num)) return "0.00"; let prefix = num < 0 && showNegativeSign ? "-$" : "$"; return prefix + Math.abs(num).toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); } function emiCalculatorSLTHelper(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 calculateSltComparison() { const principal = parseFloat(loanAmountInSLT.value); const annualRate = parseFloat(annualInterestRateInSLT.value); const termShort = parseInt(shortTermInSLT.value); const termLong = parseInt(longTermInSLT.value); // Validations if (isNaN(principal) || principal <= 0) { alert("Enter a valid Loan Amount."); return; } if (isNaN(annualRate) || annualRate < 0) { alert("Enter a valid Annual Interest Rate."); return; } if (isNaN(termShort) || termShort <= 0) { alert("Select a valid Short Loan Term."); return; } if (isNaN(termLong) || termLong <= 0) { alert("Select a valid Long Loan Term."); return; } if (termLong <= termShort) { alert("Long-term loan tenure must be greater than short-term loan tenure for a meaningful comparison."); return; } // Short-Term Loan Calculations const monthlyShort = emiCalculatorSLTHelper(principal, termShort, annualRate); const totalCostShort = monthlyShort * termShort; const totalInterestShort = totalCostShort - principal; // Long-Term Loan Calculations const monthlyLong = emiCalculatorSLTHelper(principal, termLong, annualRate); const totalCostLong = monthlyLong * termLong; const totalInterestLong = totalCostLong - principal; // Differences (Short - Long) const diffMonthly = monthlyShort - monthlyLong; const diffInterest = totalInterestShort - totalInterestLong; const diffCost = totalCostShort - totalCostLong; // Update UI shortTermDisplayOutSLT.textContent = termShort; longTermDisplayOutSLT.textContent = termLong; monthlyPaymentShortOutSLT.textContent = formatCurrencySLT(monthlyShort); totalInterestShortOutSLT.textContent = formatCurrencySLT(totalInterestShort < 0 ? 0 : totalInterestShort); totalCostShortOutSLT.textContent = formatCurrencySLT(totalCostShort); monthlyPaymentLongOutSLT.textContent = formatCurrencySLT(monthlyLong); totalInterestLongOutSLT.textContent = formatCurrencySLT(totalInterestLong < 0 ? 0 : totalInterestLong); totalCostLongOutSLT.textContent = formatCurrencySLT(totalCostLong); diffMonthlyPaymentOutSLT.textContent = formatCurrencySLT(diffMonthly); diffTotalInterestOutSLT.textContent = formatCurrencySLT(diffInterest); diffTotalCostOutSLT.textContent = formatCurrencySLT(diffCost); resultsSectionSLT.style.display = "block"; calculatedValuesSLT = { inputs: { principal, annualRate, termShort, termLong }, shortTerm: { monthly: monthlyShort, interest: totalInterestShort, total: totalCostShort }, longTerm: { monthly: monthlyLong, interest: totalInterestLong, total: totalCostLong }, differences: { monthly: diffMonthly, interest: diffInterest, total: diffCost } }; } function generateSltPdf() { if (Object.keys(calculatedValuesSLT).length === 0 || !resultsSectionSLT || resultsSectionSLT.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 = calculatedValuesSLT; try { doc.setFontSize(16); doc.setTextColor(42, 82, 130); // #2a5282 Darker Steel Blue doc.text("Short-Term vs. Long-Term Personal Loan 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 = [70, 130, 180]; // #4682B4 Steel Blue const headTextColor = [255, 255, 255]; // Inputs Summary doc.setFontSize(12); doc.setTextColor(64, 114, 160); // #4072A0 Medium Steel Blue doc.text("Loan Input Details", 14, startY); startY += 7; doc.autoTable({ body: [ ['Loan Amount (Principal):', `$${formatCurrencySLT(data.inputs.principal)}`], ['Annual Interest Rate (APR):', `${(data.inputs.annualRate || 0).toFixed(2)}%`], ['Short Loan Term:', `${data.inputs.termShort} months`], ['Long Loan Term:', `${data.inputs.termLong} months`], ], startY: startY, theme: 'plain', styles: { fontSize: 10, cellPadding: 1.5 }, columnStyles: { 0: { fontStyle: 'bold', cellWidth: 60 } } }); startY = doc.lastAutoTable.finalY + 10; // Results Table doc.setFontSize(12); doc.setTextColor(64, 114, 160); doc.text("Loan Term Comparison Results", 14, startY); startY += 7; const resultsBody = [ ['Monthly Payment (EMI)', `$${formatCurrencySLT(data.shortTerm.monthly)}`, `$${formatCurrencySLT(data.longTerm.monthly)}`, `$${formatCurrencySLT(data.differences.monthly)}`], ['Total Interest Paid', `$${formatCurrencySLT(data.shortTerm.interest < 0 ? 0 : data.shortTerm.interest)}`, `$${formatCurrencySLT(data.longTerm.interest < 0 ? 0 : data.longTerm.interest)}`, `$${formatCurrencySLT(data.differences.interest)}`], ['Total Loan Cost (P+I)', `$${formatCurrencySLT(data.shortTerm.total)}`, `$${formatCurrencySLT(data.longTerm.total)}`, `$${formatCurrencySLT(data.differences.total)}`] ]; doc.autoTable({ head: [['Feature', `Short-Term (${data.inputs.termShort} mo)`, `Long-Term (${data.inputs.termLong} mo)`, 'Difference (Short - Long)']], body: resultsBody, startY: startY, theme: tableTheme, headStyles: { fillColor: headFillColor, textColor: headTextColor }, styles: { fontSize: 9 }, columnStyles: { 0: { cellWidth: 45, fontStyle: 'bold' }, 1: { halign: 'right' }, 2: { halign: 'right' }, 3: { halign: 'right' } } }); doc.save("Short_vs_Long_Term_Loan_Comparison.pdf"); } catch (error) { console.error("SLT PDF Error:", error); alert("An error occurred while generating the PDF: " + error.message); } }