let mortgageSteps = “”; const currencySymbol = “$”, fixedCurrency = “USD”; function calculateMortgage(){ mortgageSteps=””; const income=parseFloat(document.getElementById(“currentIncome”).value); const debt=parseFloat(document.getElementById(“currentDebt”).value); const loanAmount=parseFloat(document.getElementById(“loanAmount”).value); const rate=parseFloat(document.getElementById(“interestRate”).value)/100; const term=parseFloat(document.getElementById(“loanTerm”).value); if(isNaN(income)||isNaN(debt)||isNaN(loanAmount)||isNaN(rate)||isNaN(term)||income<=0||debt<=0){ alert("Please enter valid positive values for all fields."); return; } const monthlyInterest = rate / 12; const numberOfPayments = term * 12; const monthlyPayment = (loanAmount * monthlyInterest) / (1 – Math.pow(1 + monthlyInterest, -numberOfPayments)); document.getElementById("affordabilityResult").value = formatCurrency(monthlyPayment); mortgageSteps += `Inputs:
Monthly Income: ${formatCurrency(income)}
Current Debt: ${formatCurrency(debt)}
Desired Loan: ${formatCurrency(loanAmount)}
Interest Rate: ${(rate*100).toFixed(1)}%
Loan Term: ${term} years

`; mortgageSteps += `Formulas:
Monthly Payment = Loan Amount × Monthly Interest / (1 – (1 + Monthly Interest) ^ -Number of Payments)

`; mortgageSteps += `Results:
Estimated Monthly Payment: ${formatCurrency(monthlyPayment)}
`; mortgageSteps += `Tip: A lower interest rate or longer loan term can reduce your monthly payments.`; if(document.getElementById(“calculationStepsMortgage”).style.display===”block”){ document.getElementById(“calculationStepsMortgage”).innerHTML = mortgageSteps; } } function resetMortgage(){ document.querySelectorAll(“#calculator input”).forEach(el=>el.value=””); mortgageSteps=””; document.getElementById(“calculationStepsMortgage”).innerHTML=”

Not calculated yet.

“; } function toggleMortgageSteps(){ const s=document.getElementById(“calculationStepsMortgage”); const a=document.getElementById(“toggleArrowMortgage”); if(s.style.display===”none”||s.style.display===””){ s.style.display=”block”;a.style.transform=”rotate(180deg)”; s.innerHTML=mortgageSteps||”

Not calculated yet.

“; }else{s.style.display=”none”;a.style.transform=”rotate(0deg)”;} } function formatCurrency(n){return currencySymbol+n.toFixed(2)+” “+fixedCurrency;}