`; pdfDownloadSection.classList.remove('hidden'); // Show PDF button } // PDF Download Functionality downloadPdfBtn.addEventListener('click', function() { const { jsPDF } = window.jspdf; const doc = new jsPDF(); // Re-gather and re-calculate for PDF to ensure latest data const currentSavings = getValidatedNumber(currentSavingsInput); const monthlyIncome = getValidatedNumber(monthlyIncomeInput); const monthlyExpenses = getValidatedNumber(monthlyExpensesInput); const goalName = goalNameInput.value.trim(); const targetAmount = getValidatedNumber(targetAmountInput); const targetYears = getValidatedNumber(targetYearsInput); const riskTolerance = parseInt(riskToleranceInput.value, 10); const inflationRate = getValidatedNumber(inflationRateInput) / 100; const expectedReturn = getValidatedNumber(expectedReturnInput) / 100; if (currentSavings === -1 || monthlyIncome === -1 || monthlyExpenses === -1 || targetAmount === -1 || targetYears === -1 || inflationRate === -1 || expectedReturn === -1 || !goalName || monthlyExpenses >= monthlyIncome) { showMessageBox('PDF Error', 'Please ensure all inputs are valid and the plan is calculated before downloading the PDF.'); return; } const monthlySavings = monthlyIncome - monthlyExpenses; const totalMonths = targetYears * 12; const adjustedTargetAmount = targetAmount * Math.pow(1 + inflationRate, targetYears); const futureValueCurrentSavings = currentSavings * Math.pow(1 + expectedReturn, targetYears); const monthlyReturnRate = expectedReturn / 12; let futureValueMonthlySavings = 0; if (monthlyReturnRate > 0) { futureValueMonthlySavings = monthlySavings * ( (Math.pow(1 + monthlyReturnRate, totalMonths) - 1) / monthlyReturnRate); } else { futureValueMonthlySavings = monthlySavings * totalMonths; } const totalProjectedValue = futureValueCurrentSavings + futureValueMonthlySavings; let recommendations = []; let goalStatusText = ""; let progressPercentage = (totalProjectedValue / adjustedTargetAmount) * 100; progressPercentage = Math.min(100, progressPercentage); const shortfall = adjustedTargetAmount - totalProjectedValue; if (shortfall > 0) { goalStatusText = `Goal Likely NOT Achievable`; recommendations.push(`Your current plan projects a shortfall of $${shortfall.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 })}.`); if (monthlySavings <= 0) { recommendations.push(`Critical: Your monthly savings are $${monthlySavings.toFixed(2)}. You need to increase your monthly savings to contribute towards your goal.`); } let requiredMonthlySavings = 0; if (monthlyReturnRate > 0) { requiredMonthlySavings = (adjustedTargetAmount - futureValueCurrentSavings) * monthlyReturnRate / (Math.pow(1 + monthlyReturnRate, totalMonths) - 1); } else { requiredMonthlySavings = (adjustedTargetAmount - futureValueCurrentSavings) / totalMonths; } if (requiredMonthlySavings > monthlySavings && requiredMonthlySavings > 0) { recommendations.push(`To reach your goal, consider increasing your monthly savings to approximately $${requiredMonthlySavings.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 })}.`); } if (progressPercentage < 50 && targetYears > 5) { recommendations.push(`Consider extending your 'Years to Goal' to allow more time for compounding and savings accumulation.`); } else if (progressPercentage < 80) { recommendations.push(`A slight extension of your 'Years to Goal' or a modest increase in savings could help close the gap.`); } let currentReturnCategory = ""; if (expectedReturn * 100 <= 6) currentReturnCategory = "low"; else if (expectedReturn * 100 <= 9) currentReturnCategory = "medium"; else currentReturnCategory = "high"; let riskToleranceText = riskToleranceValueSpan.textContent.split(' ')[0]; if (riskTolerance >= 3 && currentReturnCategory !== "high") { recommendations.push(`Given your ${riskToleranceText} risk tolerance, you might explore investments with a slightly higher expected return, but be aware of increased risk.`); } else if (riskTolerance < 3 && currentReturnCategory === "high") { recommendations.push(`Your expected return is ambitious for your ${riskToleranceText} risk tolerance. Consider adjusting your expected return to a more conservative level to align with your risk profile.`); } else if (riskTolerance < 3 && currentReturnCategory === "medium") { recommendations.push(`Your expected return is moderate for your ${riskToleranceText} risk tolerance. Ensure your investment choices align with this profile.`); } recommendations.push(`You may also consider reducing your 'Goal Target Amount' to make it more achievable within your current parameters.`); } else { goalStatusText = `Goal Achievable! 🎉`; recommendations.push(`Congratulations! Your current plan projects that you are on track to achieve your goal of $${targetAmount.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 })}.`); recommendations.push(`Continue your disciplined savings and investment strategy.`); recommendations.push(`Regularly review your plan, especially if your financial situation or market conditions change significantly.`); recommendations.push(`Consider increasing your savings or accelerating your timeline if you want to reach your goal even faster or aim for a larger amount.`); } // PDF Content Setup doc.setFontSize(22); doc.setTextColor(30, 64, 138); // Dark Blue doc.text("AI Investment Goal Plan Report", 105, 20, null, null, "center"); doc.setFontSize(12); doc.setTextColor(55, 65, 81); // Gray-700 let y = 30; // Section: Your Financial Profile doc.setFontSize(16); doc.setTextColor(30, 64, 138); doc.text("1. Your Financial Profile", 20, y += 15); doc.setFontSize(12); doc.setTextColor(55, 65, 81); doc.autoTable({ startY: y + 5, head: [['Detail', 'Value']], body: [ ['Current Savings / Invested Capital', `$${currentSavings.toLocaleString()}`], ['Monthly Income', `$${monthlyIncome.toLocaleString()}`], ['Monthly Expenses', `$${monthlyExpenses.toLocaleString()}`], ['Monthly Disposable Income', `$${monthlySavings.toLocaleString()}`] ], theme: 'grid', styles: { fillColor: [243, 244, 246] }, headStyles: { fillColor: [59, 130, 246], textColor: [255, 255, 255] }, margin: { left: 20, right: 20 } }); y = doc.autoTable.previous.finalY; // Section: Your Investment Goal & Parameters doc.setFontSize(16); doc.setTextColor(30, 64, 138); doc.text("2. Your Investment Goal & Parameters", 20, y += 15); doc.setFontSize(12); doc.setTextColor(55, 65, 81); doc.autoTable({ startY: y + 5, head: [['Detail', 'Value']], body: [ ['Goal Name', goalName], ['Goal Target Amount', `$${targetAmount.toLocaleString()}`], ['Years to Goal', targetYears.toFixed(0)], ['Risk Tolerance', riskToleranceValueSpan.textContent], ['Expected Annual Inflation Rate', `${(inflationRate * 100).toFixed(1)}%`], ['Expected Annual Investment Return', `${(expectedReturn * 100).toFixed(1)}%`] ], theme: 'grid', styles: { fillColor: [243, 244, 246] }, headStyles: { fillColor: [59, 130, 246], textColor: [255, 255, 255] }, margin: { left: 20, right: 20 } }); y = doc.autoTable.previous.finalY; // Section: Investment Projections doc.setFontSize(16); doc.setTextColor(30, 64, 138); doc.text("3. Investment Projections", 20, y += 15); doc.setFontSize(12); doc.setTextColor(55, 65, 81); doc.autoTable({ startY: y + 5, head: [['Projection', 'Value']], body: [ ['Target Amount (Inflation Adjusted)', `$${adjustedTargetAmount.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`], ['Future Value of Current Savings', `$${futureValueCurrentSavings.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`], ['Future Value of Monthly Savings', `$${futureValueMonthlySavings.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`], ['Total Projected Value', `$${totalProjectedValue.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 })}`] ], theme: 'grid', styles: { fillColor: [243, 244, 246] }, headStyles: { fillColor: [59, 130, 246], textColor: [255, 255, 255] }, margin: { left: 20, right: 20 } }); y = doc.autoTable.previous.finalY; // Section: Goal Status doc.setFontSize(16); doc.setTextColor(30, 64, 138); doc.text("4. Goal Status", 20, y += 15); doc.setFontSize(14); doc.setTextColor(55, 65, 81); doc.text(`Status: ${goalStatusText}`, 20, y + 8); doc.text(`Progress towards goal: ${progressPercentage.toFixed(1)}%`, 20, y + 16); y += 25; // Section: AI-Based Recommendations doc.setFontSize(16); doc.setTextColor(30, 64, 138); doc.text("5. AI-Based Recommendations", 20, y += 15); doc.setFontSize(12); doc.setTextColor(55, 65, 81); recommendations.forEach((rec, index) => { const lines = doc.splitTextToSize(`• ${rec}`, 170); if (y + (lines.length * 7) > doc.internal.pageSize.height - 30) { // Check for page overflow doc.addPage(); y = 20; // Reset Y for new page } doc.text(lines, 20, y + 5); y += (lines.length * 7) + 3; }); // Disclaimer if (y + 40 > doc.internal.pageSize.height) { // Check for page overflow before adding disclaimer doc.addPage(); y = 20; // Reset Y for new page } doc.setFontSize(10); doc.setTextColor(107, 114, 128); const disclaimer = "Disclaimer: This Automated AI-Based Investment Goal Planning Tool is for illustrative and educational purposes only. It provides generalized insights and projections based on the inputs you provide and simplified financial models. It does not constitute financial advice. Investment in financial markets involves substantial risk, including the possible loss of principal. Market conditions, inflation, and returns can vary significantly from projections. Always consult with a qualified and licensed financial advisor before making any investment decisions."; const splitDisclaimer = doc.splitTextToSize(disclaimer, 170); doc.text(splitDisclaimer, 20, y + 20); doc.save(`${goalName.replace(/\s+/g, '_')}_Investment_Plan.pdf`); }); });