Estimated Federal Estate Tax: ${formatCurrency(calc.estimatedFederalEstateTax)}

`; if (calc.totalGiftingValue > 0) { html += `

Potential Federal Estate Tax Saved by Gifting: ${formatCurrency(calc.taxSavedByGifting)}

`; } html += `

This is an illustrative estimate of federal estate tax only. State estate or inheritance taxes may also apply depending on your state of residence and state laws. Tax laws and exemption amounts are subject to change. This tool is not a substitute for professional legal and financial advice.

`; estimationResultsDiv.innerHTML = html; } if (calculateBtn) { calculateBtn.addEventListener('click', calculateEstateTax); } // --- PDF Download --- function loadJsPdfIfNeeded(callback) { if (jsPdfLoaded) { if (callback) callback(); return; } const script = document.createElement('script'); script.src = 'https://cdnjs.cloudflare.com/ajax/libs/jspdf/2.5.1/jspdf.umd.min.js'; script.onload = () => { jsPdfLoaded = true; console.log("jsPDF loaded dynamically."); if (callback) callback(); }; script.onerror = () => { console.error("Failed to load jsPDF."); alert("Error: Could not load PDF library."); }; document.head.appendChild(script); } function downloadReportAsPdf() { if (!jsPdfLoaded) { alert("PDF library not loaded."); return; } if (!estimationDataForPdf) { alert("No estimation data to download. Please run the calculation first."); return; } const { jsPDF } = window.jspdf; const doc = new jsPDF({ unit: 'pt', format: 'a4' }); const data = estimationDataForPdf; const inputs = data.inputs; const calc = data.calculations; const pageMargin = 40; const pageWidth = doc.internal.pageSize.getWidth() - 2 * pageMargin; let y = pageMargin; function addMainTitle(text) { doc.setFontSize(18); doc.setFont(undefined, 'bold'); doc.setTextColor(25, 25, 112); // Primary doc.text(text, doc.internal.pageSize.getWidth() / 2, y, { align: 'center' }); y += 35; } function addSectionTitle(text) { if (y > doc.internal.pageSize.getHeight() - 70) { doc.addPage(); y = pageMargin; } doc.setFontSize(14); doc.setFont(undefined, 'bold'); doc.setTextColor(70, 130, 180); // Secondary doc.text(text, pageMargin, y); y += 25; } function addLine(key, value, valueIsHighlight = false) { if (y > doc.internal.pageSize.getHeight() - 40) { doc.addPage(); y = pageMargin; } doc.setFontSize(10); doc.setFont(undefined, 'bold'); doc.setTextColor(51,51,51); doc.text(key, pageMargin, y); doc.setFont(undefined, valueIsHighlight ? 'bold' : 'normal'); doc.setTextColor(valueIsHighlight ? 178 : 51, valueIsHighlight ? 34 : 51, valueIsHighlight ? 34 : 51); // Highlight or normal const valueText = String(value); doc.text(valueText, pageMargin + 260, y, { align: 'left', maxWidth: pageWidth - 260 - 5 }); y += 18; } function addSmallLine(text) { if (y > doc.internal.pageSize.getHeight() - 30) { doc.addPage(); y = pageMargin; } doc.setFontSize(8); doc.setFont(undefined, 'italic'); doc.setTextColor(100,100,100); const splitText = doc.splitTextToSize(text, pageWidth); doc.text(splitText, pageMargin + 5, y); // Indent small text slightly y += (doc.getTextDimensions(splitText).h) + 6; } function addInfo(text) { if (y > doc.internal.pageSize.getHeight() - 60) { doc.addPage(); y = pageMargin; } doc.setFontSize(9); doc.setFont(undefined, 'italic'); doc.setTextColor(80,80,80); const splitText = doc.splitTextToSize(text, pageWidth); doc.setFillColor(240,244,248); // Light background for info doc.rect(pageMargin -5, y - (doc.getTextDimensions(splitText).h / 2) - 2 , pageWidth + 10, doc.getTextDimensions(splitText).h + 10, 'F'); doc.text(splitText, pageMargin, y); y += (doc.getTextDimensions(splitText).h) + 15; } addMainTitle("Estate Planning Tax Optimization Report"); addInfo(`Report Generated: ${new Date().toLocaleString()} for planning year ${inputs.yearOfDeath}. Current Age: ${inputs.currentAge}.`); y += 10; addSectionTitle("Input Summary"); addLine("Gross Estate Value:", formatCurrency(inputs.grossEstateValue)); addLine("Total Debts & Liabilities:", formatCurrency(inputs.totalDebts)); addLine("Planned Charitable Bequests:", formatCurrency(inputs.charitableBequests)); addLine("Marital Status:", inputs.maritalStatus.charAt(0).toUpperCase() + inputs.maritalStatus.slice(1)); if (inputs.maritalStatus === 'married' || inputs.maritalStatus === 'widowed') { addLine("DSUE Amount Utilized:", formatCurrency(inputs.dsueAmount)); } addLine("State of Residence (Context):", inputs.stateOfResidence); y+=5; addLine("Federal Estate Tax Exemption (User Input):", formatCurrency(inputs.federalExemption)); addLine("Top Federal Estate Tax Rate (User Input):", `${inputs.federalTaxRatePct.toFixed(1)}%`); y+=5; addLine("Planned Annual Gifting:", formatCurrency(inputs.annualGifting)); addLine("Years of Gifting Remaining:", `${inputs.yearsGifting} years`); y += 10; addSectionTitle("Estimated Federal Estate Tax Calculation"); addLine("Net Estate (before annual gifting impact):", formatCurrency(calc.netEstateBeforeGifting)); addLine("Total Value of Planned Annual Gifting:", formatCurrency(calc.totalGiftingValue)); addLine("Adjusted Gross Estate (after gifting):", formatCurrency(calc.adjustedGrossEstate)); addLine("Applicable Federal Exemption Amount:", formatCurrency(calc.applicableExclusionAmount)); addSmallLine(`(User Input Exemption: ${formatCurrency(inputs.federalExemption)} + DSUE: ${formatCurrency(inputs.dsueAmount)})`); y+=5; addLine("Estate Subject to Tax:", formatCurrency(calc.estateSubjectToTax), true); addLine("Estimated Federal Estate Tax:", formatCurrency(calc.estimatedFederalEstateTax), true); if (calc.totalGiftingValue > 0) { y+=5; addLine("Potential Federal Estate Tax Saved by Gifting:", formatCurrency(calc.taxSavedByGifting), true); } y += 15; addInfo("This is an illustrative estimate of federal estate tax only. State estate or inheritance taxes may also apply depending on your state of residence and state laws. Tax laws (including exemption amounts and rates) are subject to change. This tool is not a substitute for professional legal and financial advice. Consult with qualified professionals for personalized estate planning."); // Footer const pageCount = doc.internal.getNumberOfPages(); for (let i = 1; i <= pageCount; i++) { doc.setPage(i); doc.setFontSize(8); doc.setTextColor(150); doc.text(`Page ${i} of ${pageCount} - Estate Planning Tax Optimization Tool`, pageMargin, doc.internal.pageSize.getHeight() - 20); } doc.save('Estate_Planning_Tax_Optimization_Report.pdf'); } if (downloadPdfBtn) { downloadPdfBtn.addEventListener('click', () => loadJsPdfIfNeeded(downloadReportAsPdf)); } // --- Initialization --- showTab(0); loadJsPdfIfNeeded(); });