Calc Monthlypayment.php:
<?php
// Mortgage Calculators Plus
// ------------------------------------------------------------------------
// Copyright (c) 2005, MortgageCalculatorsPlus.com
// ------------------------------------------------------------------------
// This file is part of "Mortgage Calculators Plus" software
// ------------------------------------------------------------------------
include('includes/overall.inc.php');
$param = get_request_var('param');
if($param){
$param['loan_amount'] = preg_replace('/[^0-9\.]/', '', $param['loan_amount']);
if($param['loan_amount'] < $config['min_loan_amount'] || $param['loan_amount'] > $config['max_loan_amount']) $err['loan_amount'] = true;
if($param['interest_rate'] < $config['min_interest_rate'] || $param['interest_rate'] > $config['max_interest_rate']) $err['interest_rate'] = true;
if($param['loan_term'] < $config['min_loan_term'] || $param['loan_term'] > $config['max_loan_term']) $err['loan_term'] = true;
if(!isset($err)){
$summary['loan_amount'] = $config['currency_symb'].number_format($param['loan_amount'], $config['decimals'], $config['dec_point'], $config['thousands_sep']);
$summary['interest_rate'] = number_format($param['interest_rate'], $config['decimals'], $config['dec_point'], $config['thousands_sep']).'%';
$summary['loan_term'] = $param['loan_term'];
$summary['monthly_payment'] = monthly_payment($param['loan_amount'], $param['interest_rate'], $param['loan_term'], $config['currency_symb'], $config['decimals'], $config['dec_point'], $config['thousands_sep'], true);
$smarty->assign('summary', $summary);
if(!$param['calculate']){
$payments = loan_payments($param['loan_amount'], $param['interest_rate'], $param['loan_term'], $config['currency_symb'], $config['decimals'], $config['dec_point'], $config['thousands_sep'], true);
$smarty->assign('payments', $payments);
}
if($param['download_csv']){
$payments = loan_payments($param['loan_amount'], $param['interest_rate'], $param['loan_term'], $config['currency_symb'], $config['decimals'], $config['dec_point'], $config['thousands_sep'], false);
header('Content-Type: application/octetstream');
header('Content-Disposition: attachment; filename="monthly-amortization.csv"');
header('Cache-Control: no-store, no-cache, must-revalidate, pre-check=0, post-check=0, max-age=0');
header('Pragma: no-cache');
echo '"Year", "Month", "Interest Paid", "Principal Paid", "Balance"'."\n";
foreach($payments as $payment){
echo "$payment[year], $payment[month], $payment[interest], $payment[principal], $payment[balance]\n";
}
exit;
}
} else {
$smarty->assign('err', $err);
}
} elseif($config['fill_monthlypayment']) {
$param['loan_amount'] = $config['loan_amount'];
$param['interest_rate'] = $config['interest_rate'];
$param['loan_term'] = $config['loan_term'];
$smarty->assign('param', $param);
}
$smarty->assign('contents', $smarty->fetch('calc-monthlypayment.tpl'));
$smarty->display('main.tpl');
/* ----- FUNCTIONS ----- */
function monthly_payment($loan_amount, $interest_rate, $loan_term, $currency_symb, $decimals, $dec_point, $thousands_sep, $format_numbers = false){
$payment = $loan_amount * $interest_rate / 100 / 12 / (1 - pow((1 + $interest_rate / 100 / 12), -$loan_term*12));
if($format_numbers) $payment = $currency_symb.number_format($payment, $decimals, $dec_point, $thousands_sep);
return $payment;
}
function loan_payments($loan_amount, $interest_rate, $loan_term, $currency_symb, $decimals, $dec_point, $thousands_sep, $format_numbers = false){
$balance = $loan_amount;
$periods = $loan_term * 12;
$interest = $interest_rate / 100 / 12;
$payment = $loan_amount * $interest / (1 - pow((1 + $interest), -$periods));
for($period = 1; $period <= $periods; $period++){
$payments[$period]['year'] = ceil($period / 12);
$payments[$period]['month'] = $period % 12 ? $period % 12 : 12;
$payments[$period]['interest'] = $balance * $interest;
$payments[$period]['principal'] = $payment - $balance * $interest;
$payments[$period]['balance'] = $balance = $balance - $payment + $balance * $interest;
$totals['interest'] += $payments[$period]['interest'];
$totals['principal'] += $payments[$period]['principal'];
$totals['balance'] = $payments[$period]['balance'];
if($payments[$period]['balance'] < 0) $payments[$period]['balance'] = 0;
if($payments[$period]['month'] == 12){
if($totals['balance'] < 0) $totals['balance'] = 0;
$totals['interest'] = $currency_symb.number_format($totals['interest'], $decimals, $dec_point, $thousands_sep);
$totals['principal'] = $currency_symb.number_format($totals['principal'], $decimals, $dec_point, $thousands_sep);
$totals['balance'] = $currency_symb.number_format($totals['balance'], $decimals, $dec_point, $thousands_sep);
$payments[$period]['totals'] = $totals;
$totals = array();
}
if($format_numbers){
$payments[$period]['interest'] = $currency_symb.number_format($payments[$period]['interest'], $decimals, $dec_point, $thousands_sep);
$payments[$period]['principal'] = $currency_symb.number_format($payments[$period]['principal'], $decimals, $dec_point, $thousands_sep);
$payments[$period]['balance'] = $currency_symb.number_format($payments[$period]['balance'], $decimals, $dec_point, $thousands_sep);
}
}
return $payments;
}
?>
Other Calculators Scripts:
