const $ = (id) => document.getElementById(id); function n(v){ const x = parseFloat(v); return Number.isFinite(x) ? x : 0; } function fmtUSD(x){ const sign = x < 0 ? "-" : ""; const abs = Math.abs(x); return sign + abs.toLocaleString(undefined, {style:"currency", currency:"USD"}); } function setText(id, text){ $(id).textContent = text; } const expenseIds = [ "mort_total","prop_taxes","home_ins","hoa","repairs", "util_gas","util_elec","util_water","util_trash","internet","cell", "veh_pay","auto_ins","fuel","veh_maint","rideshare", "groceries","dining","supplies", "health_prem","rx","medical","dental", "childcare","support_paid","school", "cc_min","pl","sl","med_debt","tax_plan", "life_ins","other_ins", "gift_adult_kids","gift_parents","gift_grandkids","gift_family_emergency", "gift_birthdays","gift_holidays","gift_weddings","gift_special", "gift_church","gift_charity","gift_fundraisers", "gift_meals","gift_events","gift_work", "gift_crowdfund","gift_auto","gift_app", "gift_cash","gift_impulse","gift_other_amt", "subs","gym","personal","clothing", "other1_amt","other2_amt","other3_amt","other4_amt","other5_amt" ]; const giftIds = [ "gift_adult_kids","gift_parents","gift_grandkids","gift_family_emergency", "gift_birthdays","gift_holidays","gift_weddings","gift_special", "gift_church","gift_charity","gift_fundraisers", "gift_meals","gift_events","gift_work", "gift_crowdfund","gift_auto","gift_app", "gift_cash","gift_impulse","gift_other_amt" ]; function calc(){ const income = n($("income_net").value); let expenses = 0; for (const id of expenseIds){ const el = $(id); if (el) expenses += n(el.value); } let gifts = 0; for (const id of giftIds){ const el = $(id); if (el) gifts += n(el.value); } const net = income – expenses; const breakEven = net < 0 ? Math.abs(net) : 0; const saleStr = $("sale_date").value; let daysText = "—"; let daysNote = ""; if (saleStr){ const today = new Date(); today.setHours(0,0,0,0); const sale = new Date(saleStr + "T00:00:00"); const diffMs = sale – today; const diffDays = Math.round(diffMs / (1000*60*60*24)); daysText = String(diffDays); if (diffDays < 0) daysNote = "The entered date is in the past."; else if (diffDays === 0) daysNote = "Sale date is today (based on your device date)."; else if (diffDays <= 7) daysNote = "Immediate timeline. Consider urgent review of options."; else if (diffDays 0 && net = 10 ? 1 : 2) + ” months”; runwayNote = “Estimated: cash ÷ monthly deficit. (A planning estimate, not advice.)”; } else if (net >= 0){ runwayText = “Not needed”; runwayNote = “You show a monthly surplus based on the numbers entered.”; } else if (cash === 0 && net 0){ cashAfterDef = cash – def – expenses; } setText(“out_income”, fmtUSD(income)); setText(“out_expenses”, fmtUSD(expenses)); const netEl = $(“out_net”); netEl.textContent = fmtUSD(net); netEl.classList.toggle(“negative”, net 0); setText(“out_net_note”, net 0 ? “Surplus means income exceeds expenses.” : “Break-even (income equals expenses).”)); setText(“out_break_even”, fmtUSD(breakEven)); setText(“out_days”, daysText); setText(“out_days_note”, daysNote); setText(“out_runway”, runwayText); setText(“out_runway_note”, runwayNote); const cashEl = $(“out_cash_after_def”); if (cashAfterDef !== null){ cashEl.textContent = fmtUSD(cashAfterDef); cashEl.classList.toggle(“negative”, cashAfterDef 0); setText(“out_cash_after_def_note”, “Cash on hand minus the deficiency amount and one full month of total monthly expenses.”); } else { setText(“out_cash_after_def”, “—”); setText(“out_cash_after_def_note”, “Enter Cash on Hand to calculate this value.”); } setText(“out_gifts”, fmtUSD(gifts)); if (income > 0){ const pct = (gifts / income) * 100; setText(“out_gifts_note”, `This equals about ${pct.toFixed(1)}% of your monthly income (based on what you entered).`); } else { setText(“out_gifts_note”, “Enter income to see gifts as a percent of income.”); } setText(“out_def”, fmtUSD(def)); const ts = new Date(); $(“status”).textContent = “Updated ” + ts.toLocaleTimeString([], {hour:”2-digit”, minute:”2-digit”}); } function resetAll(){ document.querySelectorAll(‘input’).forEach(i => i.value = “”); calc(); $(“status”).textContent = “Cleared”; } $(“btnCalc”).addEventListener(“click”, calc); $(“btnPrint”).addEventListener(“click”, () => window.print()); $(“btnReset”).addEventListener(“click”, resetAll); document.addEventListener(“input”, (e) => { if (e.target && e.target.tagName === “INPUT”) calc(); }); calc();