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JS Modernization; Credit Simulator; Update math.js
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| Original file line number | Diff line number | Diff line change |
|---|---|---|
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@@ -7,14 +7,12 @@ | |
| /** | ||
| * math.js | ||
| * https://github.com/josdejong/mathjs | ||
| * Licensed under Apache License 2.0 (https://github.com/josdejong/mathjs/blob/develop/LICENSE) | ||
| * | ||
| * Math.js is an extensive math library for JavaScript and Node.js, | ||
| * It features real and complex numbers, units, matrices, a large set of | ||
| * mathematical functions, and a flexible expression parser. | ||
| * | ||
| * @version 5.9.0 | ||
| * @date 2019-05-08 | ||
| * | ||
| * @license | ||
| * Copyright (C) 2013-2019 Jos de Jong <[email protected]> | ||
| * | ||
|
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| @@ -0,0 +1,119 @@ | ||
| export class Credit { | ||
|
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| static docs = { | ||
| name: "credit", | ||
| category: "Advanced Functions", | ||
| syntax: [ | ||
| "credit(principal, interest_rate, remaining_terms)", | ||
| "credit(principal, interest_rate, remaining_terms, extra_payment)", | ||
| ], | ||
| description: "Simulate your credit/mortgage/loan repayment using this function.", | ||
| examples: [ | ||
| "credit(150000, 2.5, 50)", | ||
| "credit(150000, 2.5, 50, 35000)" | ||
| ], | ||
| seealso: [] | ||
| } | ||
|
|
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| static paymentCalc(principal, interest, terms) { | ||
| interest = interest / 100 / 12; | ||
| const termPaymentTotal = (principal * interest * Math.pow(1 + interest, terms)) / (Math.pow(1 + interest, terms) - 1); | ||
| const termPaymentInterest = principal * interest; | ||
| return { | ||
| termPaymentTotal, | ||
| termPaymentInterest, | ||
| termPaymentCapital: termPaymentTotal - termPaymentInterest, | ||
| terms, | ||
| total: termPaymentTotal * terms | ||
| }; | ||
| } | ||
|
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| static termCalc(newPrincipal, termPaymentTotal, interest) { | ||
| const fInterest = interest / 100 / 12; | ||
| const n = Math.log10((termPaymentTotal / fInterest) / ((termPaymentTotal / fInterest) - newPrincipal)) / Math.log10(1 + fInterest); | ||
| return Credit.paymentCalc(newPrincipal, interest, n); | ||
| } | ||
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| static formatNumber(num, fractionDigits = 2) { | ||
| return num.toFixed(fractionDigits).replace(/(\d)(?=(\d{3})+(?!\d))/g, "$1 ").trim(); | ||
| } | ||
|
|
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| static simulate(principal, interest, terms, extraPayment) { | ||
| if (principal === undefined || interest === undefined || terms === undefined) { | ||
| throw Error("One or more arguments are missing. Syntax:\n " + Credit.docs.syntax[0] + "\n " + Credit.docs.syntax[1]); | ||
| } | ||
| if (extraPayment > principal) { | ||
| throw Error("The extra payment can't be bigger than the principal"); | ||
| } | ||
|
|
||
| const indent = " "; | ||
| let rendered = "\n"; | ||
| const baseLoan = Credit.paymentCalc(principal, interest, terms); | ||
|
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| let data = [ | ||
| ["> Principal", Credit.formatNumber(principal)], | ||
| ["> Interest Rate", Credit.formatNumber(interest)], | ||
| ["> Remaining Terms", Credit.formatNumber(baseLoan.terms, 0)] | ||
| ]; | ||
|
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| if (extraPayment) { | ||
| data.push(["> Extra Payment", Credit.formatNumber(extraPayment)]); | ||
| } | ||
|
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| data.push(...[ | ||
| [], | ||
| ["Credit Simulation:"], | ||
| [indent + "Term Interest Payment", Credit.formatNumber(baseLoan.termPaymentInterest)], | ||
| [indent + "Term Capital Payment", Credit.formatNumber(baseLoan.termPaymentCapital)], | ||
| [indent + "Term Total Payment", Credit.formatNumber(baseLoan.termPaymentTotal)], | ||
| [indent + "Total", Credit.formatNumber(baseLoan.total)] | ||
| ]); | ||
|
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| rendered += Credit.renderOutput(data, 28); | ||
|
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| if (extraPayment) { | ||
| const newLoanKeepTerms = Credit.paymentCalc(principal - extraPayment, interest, terms); | ||
| const newLoanKeepMonthly = Credit.termCalc(principal - extraPayment, baseLoan.termPaymentTotal, interest); | ||
| const extraData = [ | ||
| ["Extra Payment Simulation"], | ||
| [indent + "Strategy - Term Number:"], | ||
| [indent + indent + "Remaining Terms", Credit.formatNumber(newLoanKeepTerms.terms, 0)], | ||
| [indent + indent + "Term Interest Payment", Credit.formatNumber(newLoanKeepTerms.termPaymentInterest)], | ||
| [indent + indent + "Term Capital Payment", Credit.formatNumber(newLoanKeepTerms.termPaymentCapital)], | ||
| [indent + indent + "Term Total Payment", Credit.formatNumber(newLoanKeepTerms.termPaymentTotal), Credit.formatNumber((newLoanKeepTerms.termPaymentTotal - baseLoan.termPaymentTotal))], | ||
| [indent + indent + "Total", Credit.formatNumber(newLoanKeepTerms.total), Credit.formatNumber((newLoanKeepTerms.total - baseLoan.total))], | ||
| [indent + "Strategy - Term Payment:"], | ||
| [indent + indent + "Remaining Terms", Credit.formatNumber(newLoanKeepMonthly.terms, 0), Credit.formatNumber((newLoanKeepMonthly.terms - baseLoan.terms), 0)], | ||
| [indent + indent + "Term Interest Payment", Credit.formatNumber(newLoanKeepMonthly.termPaymentInterest)], | ||
| [indent + indent + "Term Capital Payment", Credit.formatNumber(newLoanKeepMonthly.termPaymentCapital)], | ||
| [indent + indent + "Term Total Payment", Credit.formatNumber(newLoanKeepMonthly.termPaymentTotal)], | ||
| [indent + indent + "Total", Credit.formatNumber(newLoanKeepMonthly.total), Credit.formatNumber((newLoanKeepMonthly.total - baseLoan.total))], | ||
| ]; | ||
| rendered += "\n" + Credit.renderOutput(extraData, 33); | ||
| } | ||
| rendered += "\n"; | ||
| return rendered; | ||
| } | ||
|
|
||
| static renderOutput(lines, maxChars = 50) { | ||
| let output = ""; | ||
| lines.forEach(function (line) { | ||
| if (line[0] !== undefined) { | ||
| if (line.length === 1 && line[0] === "\\-") { | ||
| output += "-------------------------------------"; | ||
| } else { | ||
| output += line.length === 1 ? "<strong>" + line[0] + "</strong>" : line[0]; | ||
| } | ||
| } | ||
| if (line[1] !== undefined) { | ||
| output += " ".repeat(maxChars - line[0].length) + line[1]; | ||
| } | ||
| if (line[2] !== undefined) { | ||
| output += "\t " + line[2]; | ||
| } | ||
| output += "\n"; | ||
| }); | ||
| return output; | ||
| } | ||
|
|
||
| } |
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