`; vlpLastCalculationData = { inputs: { totalVacationCost: vlpTotalEstimatedVacationCost, downPayment: vlpGetInputValue('vlpDownPayment'), loanAmount: 0, loanTermYears: 0, apr:0 }, results: { monthlyPayment: 0, totalInterest: 0, totalLoanRepaid: 0, totalEffectiveVacationCost: vlpTotalEstimatedVacationCost } }; return; } if (loanAmount <= 0 || loanTermYears <= 0 || apr < 0) { resultsOutputEl.innerHTML = "

Please ensure valid loan amount (greater than $0 after down payment), loan term, and APR are provided.

"; vlpLastCalculationData = null; return; } let monthlyPayment, totalInterest, totalLoanRepaid; const totalTermMonths = loanTermYears * 12; if (apr === 0) { monthlyPayment = loanAmount / totalTermMonths; totalInterest = 0; } else { const monthlyRate = (apr / 100) / 12; const factor = Math.pow(1 + monthlyRate, totalTermMonths); monthlyPayment = loanAmount * (monthlyRate * factor) / (factor - 1); totalInterest = (monthlyPayment * totalTermMonths) - loanAmount; } totalLoanRepaid = loanAmount + totalInterest; const totalEffectiveVacationCost = vlpTotalEstimatedVacationCost + totalInterest; if (totalInterest < 0) totalInterest = 0; // Sanity check vlpLastCalculationData = { inputs: { costComps: { flights: vlpGetInputValue('vlpFlights'), accommodation: vlpGetInputValue('vlpAccommodation'), foodDrinks: vlpGetInputValue('vlpFoodDrinks'), activities: vlpGetInputValue('vlpActivities'), shopping: vlpGetInputValue('vlpShopping'), miscellaneous: vlpGetInputValue('vlpMiscellaneous') }, totalVacationCost: vlpTotalEstimatedVacationCost, downPayment: vlpGetInputValue('vlpDownPayment'), loanAmount, loanTermYears, apr }, results: { monthlyPayment, totalInterest, totalLoanRepaid, totalEffectiveVacationCost } }; resultsOutputEl.innerHTML = ` `; } function vlpDownloadPDF() { if (!vlpLastCalculationData) { alert("Please complete the planner steps to generate a summary first."); vlpNavigateTab('vlpLoanSummaryTab'); vlpCalculateLoanAndSummary(); if(!vlpLastCalculationData) return; } const { jsPDF } = window.jspdf; const doc = new jsPDF(); const { inputs, results } = vlpLastCalculationData; const primaryColor = [0, 121, 107]; let y = 15; doc.setFontSize(16); doc.setTextColor(primaryColor[0], primaryColor[1], primaryColor[2]); doc.text("Vacation Loan Plan Summary", doc.internal.pageSize.getWidth() / 2, y, { align: 'center' }); y += 8; doc.setFontSize(8); doc.setTextColor(100); doc.text("Illustrative plan based on your inputs. Not financial advice.", doc.internal.pageSize.getWidth() / 2, y, { align: 'center' }); y += 10; doc.setFontSize(11); doc.setTextColor(51, 51, 51); doc.text("A. Estimated Vacation Costs:", 14, y); y += 6; doc.setFontSize(9); const costs = inputs.costComps; let costLine = ` Flights: $${costs.flights.toFixed(2)}, Accommodation: $${costs.accommodation.toFixed(2)}`; doc.text(costLine, 14, y); y+=5; costLine = ` Food/Drinks: $${costs.foodDrinks.toFixed(2)}, Activities: $${costs.activities.toFixed(2)}`; doc.text(costLine, 14, y); y+=5; costLine = ` Shopping: $${costs.shopping.toFixed(2)}, Misc: $${costs.miscellaneous.toFixed(2)}`; doc.text(costLine, 14, y); y+=5; doc.setFont(undefined, 'bold'); doc.text(` Total Estimated Vacation Cost: $${inputs.totalVacationCost.toFixed(2)}`, 14, y); y += 8; doc.setFont(undefined, 'normal'); doc.setFontSize(11); doc.setTextColor(51, 51, 51); doc.text("B. Financing Plan:", 14, y); y += 6; doc.setFontSize(9); doc.text(` Your Savings/Down Payment: $${inputs.downPayment.toFixed(2)}`, 14, y); y += 5; doc.setFont(undefined, 'bold'); doc.text(` Estimated Loan Amount Needed: $${inputs.loanAmount.toFixed(2)}`, 14, y); y += 5; doc.setFont(undefined, 'normal'); doc.text(` Loan Term: ${inputs.loanTermYears} years at est. ${inputs.apr.toFixed(1)}% APR`, 14, y); y += 8; if (inputs.loanAmount > 0) { doc.setFontSize(11); doc.setTextColor(primaryColor[0], primaryColor[1], primaryColor[2]); doc.text("C. Illustrative Loan Summary:", 14, y); y += 6; doc.setFontSize(9); doc.setTextColor(51,51,51); doc.text(` Est. Monthly Loan Payment: $${results.monthlyPayment.toFixed(2)}`, 14, y); y += 5; doc.text(` Est. Total Interest Paid on Loan: $${results.totalInterest.toFixed(2)}`, 14, y); y += 5; doc.text(` Est. Total Amount Repaid for Loan: $${results.totalLoanRepaid.toFixed(2)}`, 14, y); y += 8; } else { doc.setFontSize(11); doc.setTextColor(primaryColor[0], primaryColor[1], primaryColor[2]); doc.text("C. Financing Summary:", 14, y); y += 6; doc.setFontSize(9); doc.setTextColor(51,51,51); doc.text(" No loan needed as savings cover total vacation cost.", 14, y); y += 8; } doc.setFontSize(12); doc.setFont(undefined, 'bold'); doc.setTextColor(primaryColor[0], primaryColor[1], primaryColor[2]); doc.text("D. Total Effective Cost of Vacation (Incl. Loan Interest):", 14, y); y += 7; doc.setFontSize(14); doc.setTextColor(inputs.loanAmount > 0 ? 192 : 51, 57, 43); // Reddish if loan, else normal doc.text(`$${results.totalEffectiveVacationCost.toFixed(2)}`, 14, y); y += 10; doc.setFont(undefined, 'normal'); if (y > 240) { doc.addPage(); y = 20; } doc.setFontSize(9); doc.setTextColor(85, 85, 85); const advisoryTitle = "Understanding Your Vacation Loan Estimate:"; const advisoryContent = [ "Illustrative Costs: Loan calculations are estimates. Actual APRs vary widely.", "Total Vacation Cost: Borrowing for a vacation makes it more expensive due to interest.", "Responsible Borrowing: Vacations are discretionary. Carefully consider your budget and ability to manage repayments before taking on debt.", "Shop Around: Compare offers from different lenders if you seek a loan.", "Loan Agreement: Always review any loan agreement thoroughly.", "This planner is for informational and estimation purposes only and is not financial advice." ]; doc.setFont(undefined, 'bold'); doc.text(advisoryTitle, 14, y); y += 5; doc.setFont(undefined, 'normal'); advisoryContent.forEach(line => { const splitLine = doc.splitTextToSize(`• ${line}`, doc.internal.pageSize.getWidth() - 28 - 5); doc.text(splitLine, 14, y); y += (splitLine.length * 4) + 1; if (y > 270 && advisoryContent.indexOf(line) < advisoryContent.length -1) { doc.addPage(); y = 20; } }); doc.save("Vacation_Loan_Plan_Summary.pdf"); } vlpUpdateNavButtons(); vlpCalculateTotalVacationCost(); // Initial call for display window.vlpSwitchTab = vlpSwitchTab; window.vlpNavigateTab = vlpNavigateTab; window.vlpCalculateTotalVacationCost = vlpCalculateTotalVacationCost; window.vlpUpdateFinancingTab = vlpUpdateFinancingTab; window.vlpUpdateLoanAmountNeeded = vlpUpdateLoanAmountNeeded; window.vlpCalculateLoanAndSummary = vlpCalculateLoanAndSummary; window.vlpDownloadPDF = vlpDownloadPDF;