Calculated Monthly Loan Payment: $${monthlyPayment.toFixed(2)}

`; let currentLoanBalance = loanAmount; let currentVehicleValue = initialPrice; let analysisResults = []; let totalInterestPaidOverLoanLife = 0; tableBody.innerHTML = ""; // Clear previous results for (let year = 1; year <= projectionYears; year++) { const beginningLoanBalanceYear = currentLoanBalance; let annualInterestPaid = 0; let annualPrincipalPaid = 0; let annualPayments = 0; if (year <= loanTermYears && currentLoanBalance > 0) { for (let month = 1; month <= 12; month++) { if (currentLoanBalance <= 0) break; // Loan paid off early const interestForMonth = currentLoanBalance * monthlyInterestRate; const principalForMonth = Math.min(monthlyPayment - interestForMonth, currentLoanBalance); // Ensure principal doesn't make balance negative annualInterestPaid += interestForMonth; annualPrincipalPaid += principalForMonth; currentLoanBalance -= principalForMonth; annualPayments += (interestForMonth + principalForMonth); // Actual payment could be less if loan ends mid-year } if (currentLoanBalance < 0.01) currentLoanBalance = 0; // Correct minor floating point residuals } else { // If past loan term or loan is paid off, no more payments/interest currentLoanBalance = 0; } if (year === 1) { currentVehicleValue = initialPrice * (1 - depRateYear1); } else { currentVehicleValue = currentVehicleValue * (1 - depRateSubsequent); } if (currentVehicleValue < 0) currentVehicleValue = 0; const equity = currentVehicleValue - currentLoanBalance; if (year <= loanTermYears) { totalInterestPaidOverLoanLife += annualInterestPaid; } analysisResults.push({ year, beginningLoanBalance: beginningLoanBalanceYear, vehicleValue: currentVehicleValue, annualPayments, interestPaid: annualInterestPaid, principalPaid: annualPrincipalPaid, endingLoanBalance: currentLoanBalance, equity }); const row = tableBody.insertRow(); row.innerHTML = ` ${year} $${beginningLoanBalanceYear.toFixed(2)} $${currentVehicleValue.toFixed(2)} $${annualPayments.toFixed(2)} $${annualInterestPaid.toFixed(2)} $${annualPrincipalPaid.toFixed(2)} $${currentLoanBalance.toFixed(2)} $${equity.toFixed(2)} `; } summaryOutput.innerHTML += `

Total Interest Paid (over actual payments): $${totalInterestPaidOverLoanLife.toFixed(2)}

`; vdlaLastAnalysisData = { inputs: { initialPrice, depRateYear1: depRateYear1*100, depRateSubsequent: depRateSubsequent*100, loanAmount, annualInterestRate: annualInterestRate*100, loanTermYears, projectionYears }, monthlyPayment, totalInterestPaidOverLoanLife, table: analysisResults }; } function vdlaDownloadPDF() { if (!vdlaLastAnalysisData || !vdlaLastAnalysisData.table || vdlaLastAnalysisData.table.length === 0) { alert("Please analyze the data first before downloading the PDF."); vdlaNavigateTab('vdlaResultsTab'); // Ensure results tab is active vdlaAnalyze(); // Try to analyze if (!vdlaLastAnalysisData || !vdlaLastAnalysisData.table || vdlaLastAnalysisData.table.length === 0) return; // Still no data } const { jsPDF } = window.jspdf; const doc = new jsPDF({ orientation: 'landscape' }); // Landscape for wider table const { inputs, monthlyPayment, totalInterestPaidOverLoanLife, table } = vdlaLastAnalysisData; const primaryColor = [0, 121, 107]; // RGB for #00796b let y = 15; doc.setFontSize(16); doc.setTextColor(primaryColor[0], primaryColor[1], primaryColor[2]); doc.text("Vehicle Depreciation & Loan Balance Analysis", doc.internal.pageSize.getWidth() / 2, y, { align: 'center' }); y += 10; doc.setFontSize(10); doc.setTextColor(51, 51, 51); doc.text(`Initial Vehicle Price: $${inputs.initialPrice.toFixed(2)}`, 14, y); doc.text(`Dep. Rate Year 1: ${inputs.depRateYear1.toFixed(1)}%`, 80, y); doc.text(`Subsequent Dep. Rate: ${inputs.depRateSubsequent.toFixed(1)}%`, 140, y); y += 6; doc.text(`Loan Amount: $${inputs.loanAmount.toFixed(2)}`, 14, y); doc.text(`Interest Rate: ${inputs.annualInterestRate.toFixed(2)}%`, 80, y); doc.text(`Loan Term: ${inputs.loanTermYears} years`, 140, y); y += 6; doc.text(`Projection Period: ${inputs.projectionYears} years`, 14, y); doc.text(`Monthly Payment: $${monthlyPayment.toFixed(2)}`, 80, y); doc.text(`Total Interest Paid: $${totalInterestPaidOverLoanLife.toFixed(2)}`, 140, y); y += 10; const tableColumnStyles = { 0: { halign: 'center' }, // Year 1: { halign: 'right' }, // Start Loan Balance 2: { halign: 'right' }, // Vehicle Value 3: { halign: 'right' }, // Annual Payments 4: { halign: 'right' }, // Interest Paid 5: { halign: 'right' }, // Principal Paid 6: { halign: 'right' }, // End Loan Balance 7: { halign: 'right' } // Equity }; const head = [['Year', 'Start Loan Bal.', 'Vehicle Value', 'Annual Pymts', 'Interest Paid', 'Principal Paid', 'End Loan Bal.', 'Equity ($)']]; const body = table.map(row => [ row.year, `$${row.beginningLoanBalance.toFixed(2)}`, `$${row.vehicleValue.toFixed(2)}`, `$${row.annualPayments.toFixed(2)}`, `$${row.interestPaid.toFixed(2)}`, `$${row.principalPaid.toFixed(2)}`, `$${row.endingLoanBalance.toFixed(2)}`, `$${row.equity.toFixed(2)}` ]); doc.autoTable({ startY: y, head: head, body: body, theme: 'grid', headStyles: { fillColor: primaryColor, textColor: [255,255,255] }, columnStyles: tableColumnStyles, didDrawCell: (data) => { // Color equity cell if (data.column.index === 7 && data.cell.section === 'body') { const equityValue = parseFloat(data.cell.raw.toString().replace('$', '')); if (equityValue < 0) { doc.setTextColor(192, 57, 43); // Red } else { doc.setTextColor(39, 174, 96); // Green } } } }); doc.save("Vehicle_Depreciation_Loan_Analysis.pdf"); } // Initial setup vdlaUpdateNavButtons(); // Make functions globally accessible window.vdlaSwitchTab = vdlaSwitchTab; window.vdlaNavigateTab = vdlaNavigateTab; window.vdlaAnalyze = vdlaAnalyze; window.vdlaDownloadPDF = vdlaDownloadPDF;