let repaymentSteps = “”; const currencySymbol = “$”, fixedCurrency = “USD”; function calculateRepayment(){ repaymentSteps=””; const loanAmount = parseFloat(document.getElementById(“loanAmount”).value); const interestRate = parseFloat(document.getElementById(“interestRate”).value) / 100; const loanTerm = parseFloat(document.getElementById(“loanTerm”).value) * 12; const offsetAmount = parseFloat(document.getElementById(“offsetAmount”).value); if(isNaN(loanAmount) || isNaN(interestRate) || isNaN(loanTerm) || isNaN(offsetAmount) || loanAmount <= 0 || interestRate <= 0 || loanTerm <= 0){ alert("Please enter valid positive values for all fields."); return; } const principal = loanAmount – offsetAmount; const monthlyInterestRate = interestRate / 12; const monthlyRepayment = (principal * monthlyInterestRate) / (1 – Math.pow(1 + monthlyInterestRate, -loanTerm)); const totalInterest = (monthlyRepayment * loanTerm) – principal; document.getElementById("monthlyRepayment").value = formatCurrency(monthlyRepayment); document.getElementById("totalInterest").value = formatCurrency(totalInterest); repaymentSteps += `Inputs:
Loan Amount: ${formatCurrency(loanAmount)}
Interest Rate: ${(interestRate*100).toFixed(1)}%
Loan Term: ${loanTerm/12} years
Offset Amount: ${formatCurrency(offsetAmount)}

`; repaymentSteps += `Formulas:
Monthly Repayment = Principal × Monthly Interest Rate / (1 – (1 + Monthly Interest Rate)^{-Loan Term})
Total Interest = Monthly Repayment × Loan Term – Principal

`; repaymentSteps += `Results:
Monthly Repayment: ${formatCurrency(monthlyRepayment)}
Total Interest Saved: ${formatCurrency(totalInterest)}
`; if(document.getElementById(“calculationStepsRepayment”).style.display === “block”){ document.getElementById(“calculationStepsRepayment”).innerHTML = repaymentSteps; } } function resetRepayment(){ document.querySelectorAll(“#calculator input”).forEach(el => el.value = “”); repaymentSteps = “”; document.getElementById(“calculationStepsRepayment”).innerHTML = “

Not calculated yet.

“; } function toggleRepaymentSteps(){ const s = document.getElementById(“calculationStepsRepayment”); const a = document.getElementById(“toggleArrowRepayment”); if(s.style.display === “none” || s.style.display === “”){ s.style.display = “block”; a.style.transform = “rotate(180deg)”; s.innerHTML = repaymentSteps || “

Not calculated yet.

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