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Conference hydra::amiga_v1

Title:	AMIGA NOTES
Notice:	Join us in the NEW conference - HYDRA::AMIGA_V2
Moderator:	HYDRA::MOORE

Created:	Sat Apr 26 1986
Last Modified:	Wed Feb 05 1992
Last Successful Update:	Fri Jun 06 1997
Number of topics:	5378
Total number of notes:	38326

2135.0. "Any loan amortization programs out there?" by ODIXIE::MCDONALD (Surly to bed, surly to rise...) Fri Jan 20 1989 14:18

    Anybody out there got a decent amortization program lying around?
    I used to have one on an IBM PC at my old job which would give you
    a full monthly breakdown of payments/principle/etc.  It would also
    let you leave any single input blank (amount, interest, time, or
    payment) and it would calculate it for you.  
    
    Wouldn't be to hard to write one, but I haven't bought a compiler
    yet, so it'd be in BASIC (not fond of it) or DRACO (images too big).
    If anyone's got the program already lying around, (come on, every
    computer jockey has an amortization program around somewhere) I'd
    be grateful if you'd upload it for general distribution.  If not,
    I'll break down and write one.
    
    (Come to think of it, a friend has the AC-Basic compiler.  I could
    let HIM compile my basic program whem I finished it.  Maybe that's
    the way to go.  Worth considering...)
    
    
    
    					John

T.R	Title	User	Personal Name	Date	Lines
2135.1	Here's one	MEMORY::BERKSON	Think honk if you're a telepath	`Fri Jan 20 1989 14:27`	40
	This is a very simple one. Mitch 00010 open "MORT.dat" for output as #1 00100 PRINT "ENTER MORTGAGE PRINCIPAL" 00200 INPUT P 00300 PRINT "ENTER THE INTEREST RATE PERCENTAGE" 00400 INPUT I 00450 I = I/100 00500 PRINT "ENTER LIFE OF MORTGAGE IN YEARS" 00600 INPUT L 00700 P1=P(I/12)/(1-(1/(1+(I/12))(L12))) 00800 P1=INT(P1100+0.5)/100 0900 PRINT "Results are in MORT.DAT" 01000 PRINT #1, "Principal borrowed ="; P 01010 print #1, "Interest rate =";I100; " %" 01020 print #1, "Duration of Mortgage=";l;" years" 01030 print #1, 01035 PRINT #1, 01040 PRINT #1, "PERIOD","PAYMENT","INTEREST","PRIN. RED.","PRIN BAL" 01045 PRINT #1, 01049 print #1, "------------------------------------------------------------------" 01050 print #1, 1100 for m=1 to L12 01200 P2=PI/12 01300 P2=INT(P2100+0.5)/100 01400 P3= P1-P2 01500 P=INT((P-P3)100+0.5)/100 1600 print #1,m,p1,p2,p3,p 01700 NEXT M 01710 print p1 01750 close #1 01800 END
2135.2	FINANC.BAS	MTWAIN::MACDONALD	WA1OMM 7.093/145.05/223.58 AX.25	`Fri Jan 20 1989 15:50`	162
	10 REM FINANCIAL CALCULATIONS V1.0 20 REM CONVERTED FROM THE PUBLIC DOMAIN 30 REM BY PAUL MACDONALD 01/27/85 50 PRINT"FINANCIAL COMPUTATIONS" 60 PRINT"----------------------" 70 PRINT"SELECT ONE OF THE FOLLOWING OPTIONS:" 80 PRINT"------------------------------------" 90 FOR I=1 TO 500 91 NEXT I 100 PRINT" " 110 PRINT"1) COMPOUND INT 7) MON LOAN PYMNT" 120 PRINT"2) YRS OF INT 8) LOAN BAL" 130 PRINT"3) INT RATE 9) # OF SAV PYMNTS" 140 PRINT"4) FUT VALUE A) LOAN AMT" 150 PRINT"5) REQ PAYMENT B) SINKING FUND" 160 PRINT"6) # OF LOAN PYMNTS C) END"\PRINT"" 170 FOR I=1 TO 10 171 NEXT I 180 INPUT Y$ 190 IF Y$="A" OR Y$="a" THEN C=10\GOTO 250 200 IF Y$="B" OR Y$="b" THEN C=11\GOTO 250 210 IF Y$="C" OR Y$="c" THEN C=12\GOTO 250 220 C=VAL(Y$) 230 IF C<1 OR C>12 THEN 180 240 PRINT CLS$ 250 260 ON C GOTO 270,380,510,620,720,810,910,1010,1170,1280,1390,1490 270 REM\ COMPOUND INTEREST 280 290 PRINT"COMPOUND INTEREST CALCULATIONS"\PRINT 300 INPUT" AMOUNT TO BE COMPOUNDED ";A$\A=VAL(A$) 310 INPUT" INTEREST RATE ";I\I=I/100 320 INPUT" NUMBER OF YEARS COMPOUNDED ";T$\T=VAL(T$) 330 INPUT" NUMBER OF PERIODS PER YEAR ";TY$\TY=VAL(TY$)\PRINT 340 V=A(1+I/TY)^(TYT) 350 PRINT INT(V100+.5)/100\PRINT 360 PRINT"PRESS ANY KEY TO CONTINUE" 365 INPUT Y$\REM IF Y$="" THEN 365 370 GOTO 50 380 REM\ YEARS OF INTEREST 390 400 PRINT"YEARS OF INTEREST"\PRINT 410 INPUT" AMOUNT TO BE COMPOUNDED ";A$\A=VAL(A$) 420 INPUT" INTEREST RATE ";I\I=I/100 430 INPUT" FINAL DESIRED AMOUNT ";V$\V=VAL(V$) 440 INPUT" NUMBER OF PERIODS PER YEAR ";TY$\TY=VAL(TY$)\PRINT 450 T=LOG(V/A)/((LOG(1+I/TY))TY) 460 PRINT"COMPOUNDED ";TY;" TIMES PER YEAR," 470 PRINT"WILL REQUIRE THE MONEY TO BE" 480 PRINT"DEPOSITED FOR";INT(T10+.5)/10;" YEARS"\PRINT 490 PRINT"PRESS ANY KEY TO CONTINUE" 495 INPUT Y$\REM IF Y$="" THEN 495 500 GOTO 50 510 REM\ INTEREST RATE 520 530 PRINT"INTEREST RATE CALCULATIONS "\PRINT 540 INPUT" AMOUNT TO BE COMPOUNDED";A$\A=VAL(A$) 550 INPUT" FINAL AMOUNT ";V$\V=VAL(V$) 560 INPUT" NUMBER OF YEARS ";T$\T=VAL(T$) 570 INPUT" NUMBER OF PERIODS PER YEAR ";TY$\TY=VAL(TY$)\PRINT 580 I=((V/A)^(1/(TYT))-1)TY 590 PRINT"RATE OF RETURN IS";INT(I1000+.5)/10;"% PER YEAR"\PRINT 600 PRINT"PRESS ANY KEY TO CONTINUE" 605 INPUT Y$\REM IF Y$="" THEN 605 610 GOTO 50 620 REM\ FUTURE VALUE 630 640 PRINT"FUTURE VALUE"\PRINT 650 INPUT" AMOUNT OF MONTHLY DEPOSIT ";A$\A=VAL(A$) 660 INPUT" INTEREST RATE ";I\I=I/1200 670 INPUT" NUMBER OF YEARS ";T$\T=VAL(T$)12\PRINT 680 FV=A/I((1+I)^(T+1)-(1+I)) 690 PRINT"$";INT(FV100+.5)/100\PRINT 700 PRINT"PRESS ANY KEY TO CONTINUE" 705 INPUT Y$\REM IF Y$="" THEN 705 710 GOTO 50 720 REM\ REQUIRED PAYMENT 730 PRINT"REQUIRED PAYMENT"\PRINT 740 INPUT" FINAL DESIRED AMOUNT ";FV$\FV=VAL(FV$) 750 INPUT" INTEREST RATE ";I\I=I/1200 760 INPUT" NUMBER OF YEARS ";T$\T=VAL(T$)12\PRINT 770 A=(FVI)/((1+I)^(T+1)-(1+I)) 780 PRINT"$";INT(A100+.5)/100;" MONTHLY PAYMENTS"\PRINT 790 PRINT"PRESS ANY KEY TO CONTINUE" 795 INPUT Y$\REM IF Y$="" THEN 795 800 GOTO 50 810 REM\ NUMBER OF PAYMENTS-SAVINGS 820 830 PRINT"NUMBER OF PAYMENTS - LOAN"\PRINT 840 INPUT" AMOUNT TO BE FINANCED ";P$\P=VAL(P$) 850 INPUT" % INTEREST RATE ";I$\I=VAL(I$)/1200 860 INPUT" AFFORDABLE MONTHLY PAYMENT ";A$\A=VAL(A$)\PRINT 870 N=LOG(A/(A-PI))/LOG(1+I) 880 PRINT"";INT(N+.5);" MONTHLY PAYMENTS"\PRINT 890 PRINT"PRESS ANY KEY TO CONTINUE" 895 INPUT Y$\REM IF Y$="" THEN 895 900 GOTO 50 910 REM\ MONTHLY LOAN PAYMENT 920 930 PRINT"MONTHLY LOAN PAYMENT "\PRINT 940 INPUT" AMOUNT TO BE FINANCED ";P$\P=VAL(P$) 950 INPUT" % INTEREST RATE ";I\I=I/100 960 INPUT" YEARS OF FINANCING ";N$\N=VAL(N$)12\PRINT 970 A=P(I/12)/(1-(1+(I/12))^-N) 980 PRINT"MONTHLY PAYMENT IS $";INT(A100+.5)/100\PRINT 990 PRINT"PRESS ANY KEY TO CONTINUE" 995 INPUT Y$\REM IF Y$="" THEN 995 1000 GOTO 50 1010 REM\ LOAN BALANCE 1020 1030 PRINT"LOAN BALANCE CALCULATIONS"\PRINT 1040 INPUT" AMOUNT TO BE FINANCED ";P$\P=VAL(P$) 1050 INPUT" % INTEREST RATE ";I$\I=VAL(I$)/1200 1060 INPUT" MONTHLY PAYMENT ";A$\A=VAL(A$) 1070 INPUT" BEGINNING PAYMENT NUMBER ";X$\X=VAL(X$) 1080 INPUT" ENDING PAYMENT NUMBER ";Y$\Y=VAL(Y$)\PRINT 1090 B=1/((I+1)^-Y)((A(((1+I)^-Y)-1))/I+P) 1100 PRINT"BALANCE AT END OF PAYMENT" 1110 PRINT"NUMBER";Y;" -- $";INT(B100+.5)/100\PRINT 1120 AI=B-(1/((I+1)^-(X-1))((A(((1+I)^-(X-1))-1))/I+P))+(Y-X+1)A 1130 PRINT"ACCUMULATED INTEREST AT THE END OF" 1140 PRINT"PAYMENT NUMBER ";Y;" -- $";INT(AI100+.5)/100\PRINT 1150 PRINT"PRESS ANY KEY TO CONTINUE" 1155 INPUT Y$\REM IF Y$="" THEN 1155 1160 GOTO 50 1170 REM\ NUMBER OF PAYMENTS-LOAN 1180 1190 PRINT"NUMBER OF PAYMENTS - SAVINGS"\PRINT 1200 INPUT" MONTHLY DEPOSIT ";A$\A=VAL(A$) 1210 INPUT" % INTEREST RATE ";I\I=I/1200 1220 INPUT" FINAL AMOUNT ";V$\V=VAL(V$)\PRINT 1230 N=(LOG(VI/A+1+I)/(LOG(1+I))-1) 1240 PRINT"$";V;" WILL REQUIRE DEPOSITS OF" 1250 PRINT"$";A;" FOR ";INT(N);" MONTHS"\PRINT 1260 PRINT"PRESS ANY KEY TO CONTINUE" 1265 INPUT Y$\REM IF Y$="" THEN 1265 1270 GOTO 50 1280 REM\ LOAN AMOUNT 1290 1300 PRINT"LOAN AMOUNT CALCULATIONS "\PRINT 1310 INPUT" NUMBER OF PAYMENTS DESIRED ";N$\N=VAL(N$) 1320 INPUT" % INTEREST RATE ";I\I=I/1200 1330 INPUT" AMOUNT OF MONTHLY PAYMENT ";A$\A=VAL(A$)\PRINT 1340 P=A(1-(1+I)^-N)/I 1350 PRINT"YOU CAN (THEORETICALLY!) AFFORD TO" 1360 PRINT"BORROW $";INT(P100+.5)/100\PRINT 1370 PRINT"PRESS ANY KEY TO CONTINUE" 1375 INPUT Y$\REM IF Y$="" THEN 1375 1380 GOTO 50 1390 REM\ SINKING FUND 1400 1410 PRINT"SINKING FUND CALCULATIONS "\PRINT 1420 INPUT" AMOUNT TO BE ACCUMULATED ";P 1430 INPUT" % INTEREST RATE ";I\I=I/100 1440 INPUT" YEARS OF ACCUMULATION ";N$\N=VAL(N$)\PRINT 1450 A=PI/(((1+I)^N)-1) 1460 PRINT"YEARLY DEPOSIT IS $";INT(A100+.5)/100\PRINT 1470 PRINT"PRESS ANY KEY TO CONTINUE" 1475 INPUT Y$\REM IF Y$="" THEN 1475 1480 GOTO 50 1490 PRINT\PRINT"PROGRAM TERMINATED ON REQUEST."\END