Smart Savings Allocation Calculator
Step 1: Your Finances & Available Savings
Available Savings
This is the total amount you want to distribute across your goals.
Emergency Fund Status
High-Interest Debt Paydown (Optional)
This is an extra payment on top of minimums, allocated after emergency fund.
Step 2: Define Your Other Savings Goals
List other financial goals you're working towards, their target amounts, and priority.
Step 3: Your Smart Savings Allocation Plan
Define your finances (Tab 1) and goals (Tab 2), then click "Generate Allocation Plan".
Step 4: Allocation Summary & Download
Generate the allocation plan on Tab 3 to view the summary.
Generate an allocation plan on Tab 3 to view the summary.
"; document.getElementById('downloadAllocationPdfButton').disabled = true; return; } let summaryHTML = `Allocation Summary:
Total Savings Available for Allocation: $${(allocationReportData.inputs.availableSavings || 0).toFixed(2)}
`; summaryHTML += `| Goal/Purpose | Amount Allocated ($) | % of Total Savings |
|---|---|---|
| ${item.goalName} | $${item.amountAllocated.toFixed(2)} | ${percentage.toFixed(1)}% |
Unallocated Savings: $${allocationReportData.unallocatedAmount.toFixed(2)}
`; } container.innerHTML = summaryHTML; document.getElementById('downloadAllocationPdfButton').disabled = false; } function downloadAllocationPdf() { if (allocationReportData.allocationPlan.length === 0 && allocationReportData.unallocatedAmount === (allocationReportData.inputs.availableSavings || 0)) { alert("Please generate an allocation plan first."); return; } if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert('PDF generation library (jsPDF) is not loaded.'); return; } const jsPDFConstructor = window.jspdf.jsPDF; const doc = new jsPDFConstructor(); if (typeof doc.autoTable !== 'function') { alert('jsPDF AutoTable plugin not loaded.'); return; } const { inputs, allocationPlan, unallocatedAmount, rationale } = allocationReportData; const primaryColor = '#007bff', textColor = '#212529', tableHeaderColor = '#e9ecef'; let yPos = 22; const pageHeight = doc.internal.pageSize.height; const margin = 20; function checkYPdf(increment = 10) { if (yPos + increment > pageHeight - margin) { doc.addPage(); yPos = margin; } } doc.setFontSize(18); doc.setTextColor(primaryColor); doc.text("Smart Savings Allocation Plan", 14, yPos); yPos += 8; doc.setFontSize(10); doc.setTextColor(textColor); doc.text(`Report Date: ${new Date().toLocaleDateString()}`, 14, yPos); yPos += 10; checkYPdf(25); doc.setFontSize(12); doc.setTextColor(primaryColor); doc.text("Inputs Summary", 14, yPos); yPos += 6; let inputsBody = [ ['Available Savings to Allocate:', `$${inputs.availableSavings.toFixed(2)}`], ['Current Emergency Fund:', `$${inputs.emergencyFund.current.toFixed(2)}`], ['Target Emergency Fund:', `$${inputs.emergencyFund.target.toFixed(2)}`], ['Amount for Debt Paydown:', `$${inputs.debtPaydownAllocation.toFixed(2)}`] ]; if (inputs.otherGoals.length > 0) { inputsBody.push(['--- Other Savings Goals ---', '']); inputs.otherGoals.forEach(g => { inputsBody.push([`${g.name} (Priority: ${g.priority})`, `Target: $${g.targetAmount.toFixed(2)}`]); }); } doc.autoTable({startY: yPos, body: inputsBody, theme:'plain', styles:{fontSize:9, cellPadding:1.5}, columnStyles:{0:{fontStyle:'bold'}}}); yPos = doc.lastAutoTable.finalY + 7; checkYPdf(20 + allocationPlan.length * 6); doc.setFontSize(12); doc.setTextColor(primaryColor); doc.text("Allocation Plan", 14, yPos); yPos += 6; const tableHead = [['Goal/Purpose', 'Amount Allocated ($)', '% of Total Savings', 'Goal Status']]; const tableBody = allocationPlan.map(item => { const percentage = inputs.availableSavings > 0 ? (item.amountAllocated / inputs.availableSavings) * 100 : 0; let status = ''; if (item.goalName === "Emergency Fund Top-up") status = `Now: $${item.current.toFixed(2)} / Target: $${item.target.toFixed(2)}`; else if (item.goalName === "High-Interest Debt Paydown") status = `Extra payment.`; else if (item.target !== undefined) status = item.remainingForGoal <= 0 ? 'Target Met!' : `Needs $${item.remainingForGoal.toFixed(2)} more`; return [item.goalName, item.amountAllocated.toFixed(2), `${percentage.toFixed(1)}%`, status]; }); doc.autoTable({ startY: yPos, head: tableHead, body: tableBody, theme: 'grid', headStyles: {fillColor: tableHeaderColor, textColor:textColor, fontStyle:'bold', fontSize:9}, styles:{fontSize:8, cellPadding:1.5}, columnStyles: {1:{halign:'right'}, 2:{halign:'right'}} }); yPos = doc.lastAutoTable.finalY + 5; doc.setFontSize(9); if (unallocatedAmount > 0.005) { doc.text(`Unallocated Savings Remaining: $${unallocatedAmount.toFixed(2)}`, 14, yPos); yPos +=5; } else { doc.text("All available savings have been allocated.", 14, yPos); yPos +=5; } if (rationale && rationale.length > 0) { checkYPdf(15 + rationale.length * 5); doc.setFontSize(11); doc.setTextColor(primaryColor); doc.text("Allocation Rationale", 14, yPos); yPos += 6; doc.setFontSize(9); doc.setTextColor(textColor); rationale.forEach(r => { checkYPdf(5); const splitText = doc.splitTextToSize(r, 180); splitText.forEach(line => { doc.text(line, 14, yPos); yPos +=4;}); }); } doc.save("Savings_Allocation_Plan.pdf"); } updateAllocatorNavButtons(); // Initial call