`; // Comparison html += ``; // Scenario 1 Projection Table html += `

Scenario 1: Extra Loan Payments - Year-by-Year Projection

`; if(data.scenario1.projection.length > 0) { html += ``; } else { html += `

No projection data for Scenario 1.

`; } // Scenario 2 Projection Table html += `

Scenario 2: Invest Extra Payments - Year-by-Year Projection

`; if(data.scenario2.projection.length > 0) { html += ``; } else { html += `

No projection data for Scenario 2.

`; } html += `

This analysis is illustrative and uses fixed average assumptions. It does not account for taxes, other investment fees, or market volatility. The "better" option depends heavily on the difference between your loan interest rate and your expected investment return rate, as well as your personal risk tolerance and financial goals.

`; analysisResultsDiv.innerHTML = html; } if (calculateBtn) { calculateBtn.addEventListener('click', runTradeOffAnalysis); } // --- 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 (!analysisDataForPdf) { alert("No analysis data to download. Please run the analysis first."); return; } const { jsPDF } = window.jspdf; const doc = new jsPDF({ unit: 'pt', format: 'a4' }); const data = analysisDataForPdf; const pageMargin = 35; const pageWidth = doc.internal.pageSize.getWidth() - 2 * pageMargin; let y = pageMargin; function addMainTitle(text) { doc.setFontSize(16); doc.setFont(undefined, 'bold'); doc.setTextColor(44, 62, 80); doc.text(text, doc.internal.pageSize.getWidth() / 2, y, { align: 'center' }); y += 30; } function addSectionTitle(text, color = [52, 152, 219]) { if (y > doc.internal.pageSize.getHeight() - 70) { doc.addPage(); y = pageMargin; } doc.setFontSize(12); doc.setFont(undefined, 'bold'); doc.setTextColor(color[0], color[1], color[2]); doc.text(text, pageMargin, y); y += 20; } function addLine(key, value, keyColor = [52,73,94], valueColor = [52,73,94]) { if (y > doc.internal.pageSize.getHeight() - 35) { doc.addPage(); y = pageMargin; } doc.setFontSize(9); doc.setFont(undefined, 'bold'); doc.setTextColor(keyColor[0], keyColor[1], keyColor[2]); doc.text(key, pageMargin, y); doc.setFont(undefined, 'normal'); doc.setTextColor(valueColor[0], valueColor[1], valueColor[2]); const valueText = String(value); doc.text(valueText, pageMargin + 220, y, { align: 'left', maxWidth: pageWidth - 220 - 5 }); y += 16; } function addInfo(text) { if (y > doc.internal.pageSize.getHeight() - 45) { doc.addPage(); y = pageMargin; } doc.setFontSize(8); doc.setFont(undefined, 'italic'); doc.setTextColor(108, 117, 125); const splitText = doc.splitTextToSize(text, pageWidth); doc.setFillColor(236,240,241); doc.rect(pageMargin -5, y - (doc.getTextDimensions(splitText).h / 2) - 2 , pageWidth + 10, doc.getTextDimensions(splitText).h + 8, 'F'); doc.text(splitText, pageMargin, y); y += (doc.getTextDimensions(splitText).h) + 12; } function addTable(headers, tableData, columnWidths) { if (y > doc.internal.pageSize.getHeight() - 50) { doc.addPage(); y = pageMargin; } doc.setFontSize(7); const headerFillColor = [52, 152, 219]; const headerTextColor = [255,255,255]; const rowTextColor = [52,73,94]; doc.setFillColor(headerFillColor[0], headerFillColor[1], headerFillColor[2]); doc.setTextColor(headerTextColor[0], headerTextColor[1], headerTextColor[2]); doc.setFont(undefined, 'bold'); let currentX = pageMargin; headers.forEach((header, i) => { doc.rect(currentX, y, columnWidths[i], 18, 'F'); doc.text(header, currentX + 3, y + 12); currentX += columnWidths[i]; }); y += 18; doc.setTextColor(rowTextColor[0], rowTextColor[1], rowTextColor[2]); doc.setFont(undefined, 'normal'); tableData.forEach((rowArray) => { if (y > doc.internal.pageSize.getHeight() - 30) { doc.addPage(); y = pageMargin; currentX = pageMargin; doc.setFillColor(headerFillColor[0], headerFillColor[1], headerFillColor[2]); doc.setTextColor(headerTextColor[0], headerTextColor[1], headerTextColor[2]); doc.setFont(undefined, 'bold'); headers.forEach((header, i) => { doc.rect(currentX, y, columnWidths[i], 18, 'F'); doc.text(header, currentX + 3, y + 12); currentX += columnWidths[i]; }); y += 18; doc.setTextColor(rowTextColor[0], rowTextColor[1], rowTextColor[2]); doc.setFont(undefined, 'normal'); } currentX = pageMargin; rowArray.forEach((cell, i) => { doc.rect(currentX, y, columnWidths[i], 16); const cellText = String(cell); const textLines = doc.splitTextToSize(cellText, columnWidths[i] - 6); doc.text(textLines, currentX + 3, y + 11); currentX += columnWidths[i]; }); y += 16; }); y += 8; } addMainTitle("Loan Payoff vs. Investment Trade-Off Analysis"); addInfo(`Report Generated: ${new Date().toLocaleString()} for a ${data.inputs.analysisPeriodYears}-year analysis period.`); y += 5; addSectionTitle("Input Parameters"); addLine("Current Loan Balance:", formatCurrency(data.inputs.loanBalance)); addLine("Loan Interest Rate (Annual):", formatPercent(data.inputs.loanInterestRateAnnualPct/100)); addLine("Remaining Loan Term:", `${data.inputs.loanTermYears} years`); addLine("Minimum Monthly Payment:", formatCurrency(data.inputs.minMonthlyPayment)); addLine("Extra Monthly Payment Considered:", formatCurrency(data.inputs.extraMonthlyPayment)); addLine("Expected Annual Return on Investment:", formatPercent(data.inputs.investmentReturnRateAnnualPct/100)); y += 10; addSectionTitle("Scenario 1: Extra Loan Payments Summary", [231,76,60]); if (data.scenario1.monthsToPayoff) { addLine("Loan Paid Off In:", `${data.scenario1.monthsToPayoff} months (${(data.scenario1.monthsToPayoff/12).toFixed(1)} years)`); } else { addLine("Loan Not Paid Off in Analysis Period.", ""); } addLine("Final Loan Balance:", formatCurrency(data.scenario1.finalLoanBalance)); addLine("Total Interest Paid on Loan:", formatCurrency(data.scenario1.totalInterestPaid)); addLine("Value of Investments (after loan payoff):", formatCurrency(data.scenario1.investmentValueAfterPayoff)); addLine("Net Position (Investments - Loan Bal):", formatCurrency(data.scenario1.netWorthImpact)); y += 10; addSectionTitle("Scenario 2: Invest Extra Payments Summary", [46,204,113]); addLine("Final Investment Value:", formatCurrency(data.scenario2.finalInvestmentValue)); addLine("Final Loan Balance:", formatCurrency(data.scenario2.finalLoanBalance)); addLine("Total Interest Paid on Loan:", formatCurrency(data.scenario2.totalInterestPaidOnLoan)); addLine("Net Position (Investments - Loan Bal):", formatCurrency(data.scenario2.netWorthImpact)); y += 10; addSectionTitle("Overall Comparison"); const benefitColor = data.comparison.netBenefitOfInvesting >= 0 ? [46,204,113] : [231,76,60]; addLine("Net Benefit of Investing vs. Extra Loan Payments:", formatCurrency(data.comparison.netBenefitOfInvesting), benefitColor, benefitColor); y += 10; if (data.scenario1.projection.length > 0) { addSectionTitle("Scenario 1: Extra Loan Payments - Monthly Projection Details", [231,76,60]); const s1H = ["Month", "Loan Bal.", "Interest", "Principal", "Payment", "Notes"]; const s1CW = [40, 90, 70, 70, 80, 110]; const s1FData = data.scenario1.projection.map(r => [ r.month, formatCurrency(r.loanBalance,2,2), formatCurrency(r.interestPaid,2,2), formatCurrency(r.principalPaid,2,2), formatCurrency(r.paymentMade,2,2), r.notes || '' ]); addTable(s1H, s1FData, s1CW); } if (data.scenario2.projection.length > 0) { addSectionTitle("Scenario 2: Invest Extra Payments - Monthly Projection Details", [46,204,113]); const s2H = ["Month", "Invest Val.", "Loan Bal.", "Loan Int."]; const s2CW = [50, 120, 120, 100]; const s2FData = data.scenario2.projection.map(r => [ r.month, formatCurrency(r.investmentValue,2,2), formatCurrency(r.loanBalance,2,2), formatCurrency(r.interestPaidOnLoan,2,2) ]); addTable(s2H, s2FData, s2CW); } addInfo("This analysis is illustrative and uses fixed average assumptions. It does not account for taxes, other investment fees, or market volatility. The 'better' option depends heavily on the difference between your loan interest rate and your expected investment return rate, as well as your personal risk tolerance and financial goals. Consult with a financial advisor for personalized advice."); const pageCount = doc.internal.getNumberOfPages(); for (let i = 1; i <= pageCount; i++) { doc.setPage(i); doc.setFontSize(7); doc.setTextColor(150); doc.text(`Page ${i} of ${pageCount} - Loan Payoff vs. Investment Trade-Off Calculator`, pageMargin, doc.internal.pageSize.getHeight() - 15); } doc.save('Loan_vs_Investment_TradeOff_Analysis.pdf'); } if (downloadPdfBtn) { downloadPdfBtn.addEventListener('click', () => loadJsPdfIfNeeded(downloadReportAsPdf)); } // --- Initialization --- showTab(0); if (downloadPdfBtn) downloadPdfBtn.disabled = true; if (pdfButtonContainer) pdfButtonContainer.style.display = 'block'; loadJsPdfIfNeeded(); });