//*******************************************
//DO NOT REMOVE THIS COPYWRITE INFO!
//Fixed Vs. Minimum Payment Calculator V2
//2004 Daniel C. Peterson ALL RIGHTS RESERVED
//Created: 07/13/2004
//Last Modified: 10/16/2009
//This script may not be copied, edited, distributed or reproduced
//without express written permission from
//Daniel C. Peterson of Web Winder Website Services
//For commercial use rates, contact:
//Dan Peterson:
//Web Winder Website Services
//P.O. Box 11
//Bemidji, MN  56619
//dan@webwinder.com
//http://www.webwinder.com
//Commercial User Licence #:6513-1374-131-1329
//Commercial Licence Date:2009-12-21
//*******************************************



function sn(num) {

   num=num.toString();


   var len = num.length;
   var rnum = "";
   var test = "";
   var j = 0;

   var b = num.substring(0,1);
   if(b == "-") {
      rnum = "-";
   }

   for(i = 0; i <= len; i++) {

      b = num.substring(i,i+1);

      if(b == "0" || b == "1" || b == "2" || b == "3" || b == "4" || b == "5" || b == "6" || b == "7" || b == "8" || b == "9" || b == ".") {
         rnum = rnum + "" + b;

      }

   }

   if(rnum == "" || rnum == "-") {
      rnum = 0;
   }

   rnum = Number(rnum);

   return rnum;

}



function fns(num, places, comma, type, show) {

    var sym_1 = "$";
    var sym_2 = ""; 

    var isNeg=0;

    if(num < 0) {
       num=num*-1;
       isNeg=1;
    }

    var myDecFact = 1;
    var myPlaces = 0;
    var myZeros = "";
    while(myPlaces < places) {
       myDecFact = myDecFact * 10;
       myPlaces = Number(myPlaces) + Number(1);
       myZeros = myZeros + "0";
    }
    
	onum=Math.round(num*myDecFact)/myDecFact;
		
	integer=Math.floor(onum);

	if (Math.ceil(onum) == integer) {
		decimal=myZeros;
	} else{
		decimal=Math.round((onum-integer)* myDecFact)
	}
	decimal=decimal.toString();
	if (decimal.length<places) {
        fillZeroes = places - decimal.length;
	   for (z=0;z<fillZeroes;z++) {
        decimal="0"+decimal;
        }
     }

   if(places > 0) {
      decimal = "." + decimal;
   }

   if(comma == 1) {
	integer=integer.toString();
	var tmpnum="";
	var tmpinteger="";
	var y=0;

	for (x=integer.length;x>0;x--) {
		tmpnum=tmpnum+integer.charAt(x-1);
		y=y+1;
		if (y==3 & x>1) {
			tmpnum=tmpnum+",";
			y=0;
		}
	}

	for (x=tmpnum.length;x>0;x--) {
		tmpinteger=tmpinteger+tmpnum.charAt(x-1);
	}


	finNum=tmpinteger+""+decimal;
   } else {
      finNum=integer+""+decimal;
   }

    if(isNeg == 1) {
       if(type == 1 && show == 1) {
          finNum = "-" + sym_1 + "" + finNum + "" + sym_2;
       } else {
          finNum = "-" + finNum;
       }
    } else {
       if(show == 1) {
          if(type == 1) {
             finNum = sym_1 + "" + finNum + "" + sym_2;
          } else
          if(type == 2) {
             finNum = finNum + "%";
          }

       }

    }

	return finNum;
}


var pmt_num_arr = new Array();
var pmt_amt_arr = new Array();
var int_port_arr = new Array();
var prin_port_arr = new Array();
var prin_arr = new Array();


function computeForm(form) {

   var Vprincipal = sn(document.calc.principal.value);
   var Vinterest = sn(document.calc.interest.value);
   var Vfixed_pmt = sn(document.calc.fixed_pmt.value);

   if(Vprincipal == 0) {
      alert("Please enter the balance on your credit card.");
      document.calc.principal.focus();
   } else
   if(Vinterest == 0) {
      alert("Please enter the credit card's annual interest rate.");
      document.calc.interest.focus();
   } else
   if(document.calc.pmtMethod[1].checked && Vfixed_pmt == 0) {
      alert("Please enter the fixed payment amount you could afford to pay each month.");
      document.calc.fixed_pmt.focus();
   } else {


      var i = Vinterest;
      if(Vinterest >= 1) {
         i /= 100;
      }
      i /= 12;

      var Vminpayperc = document.calc.minpayperc.options[document.calc.minpayperc.selectedIndex].value;
      var Vmin_pmt = Vminpayperc * Vprincipal;

      var Vpmt_amt = 0;
      var Vpmt_method = 0;

      if(document.calc.pmtMethod[0].checked) {
         Vpmt_amt = Vmin_pmt;
         Vpmt_method = 0;
      } else {
         Vpmt_amt = Vfixed_pmt;
         Vpmt_method = 1;
      }

      var prin = Vprincipal;
      var count = 0;
      var int_port = 0;
      var prin_port = 0;
      var accum_int = 0;

      var Vpmt_rows = "";

      while(prin > 0) {

         count += 1;

         if(Vpmt_method == 0) {
            Vpmt_amt = Vminpayperc * prin;
            if(Vpmt_amt < 15) {
               Vpmt_amt = 15;
            }
         }


         if((prin * (Number(1) + Number(i))) > Vpmt_amt) {

            int_port = i * prin;
            prin_port = Number(Vpmt_amt) - Number(int_port);
            accum_int += int_port;
            prin = Number(prin) - Number(prin_port);

         } else {

            int_port = i * prin;
            prin_port = prin;
            Vpmt_amt = Number(prin) + Number(int_port);
            accum_int += int_port;
            prin = 0;

         }

         pmt_num_arr[count] = count;
         pmt_amt_arr[count] = fns(Vpmt_amt,2,1,1,1);
         int_port_arr[count] = fns(int_port,2,1,1,1);
         prin_port_arr[count] = fns(prin_port,2,1,1,1);
         prin_arr[count] = fns(prin,2,1,1,1);

         if(count > 1000) {
            alert("At the terms you entered your balance will never be paid off. Please increase the payment amount until this alert does not show up.");

            return;
            break;
         }


      }


      document.calc.num_pmts.value = count;

      var Vnum_years = count / 12;
      document.calc.num_years.value = fns(Vnum_years,0,0,0,0);

      document.calc.int_paid.value = fns(accum_int,2,1,1,1);
      document.calc.prin_paid.value = fns(Vprincipal,2,1,1,1);

		var t_i_paid = parseFloat(accum_int).toFixed(2); 
		var t_p_paid = parseFloat(Vprincipal).toFixed(2);
		var t_paid =  parseFloat(t_i_paid) + parseFloat(t_p_paid);
		var y_paid = fns(t_paid,2,1,1,1);

      var v_summary = "";

      if(Vpmt_method == 0) {
         v_summary += "If you make the " + fns(Vminpayperc * 100,1,1,2,1) + " minimum payments each month, ";
         v_summary += "it will take you <strong>" + count + "</strong> months to pay off your existing balance.  You will ";
         v_summary += "pay <strong>" + fns(accum_int,2,1,1,1) + "</strong> in interest while paying off this balance.";
         v_summary += "The total cost will be <strong>" + y_paid + "</strong> in interest and principal.";

      } else {
         
         v_summary += "If you make " + fns(Vfixed_pmt,2,1,1,1) + " payments each month, it will take ";
         v_summary += "you <strong>" + count + "</strong> months to pay off your existing balance.  You will ";
         v_summary += "pay <strong>" + fns(accum_int,2,1,1,1) + "</strong> in interest while paying off this balance.";
         v_summary += "The total cost will be <strong>" + y_paid + "</strong> in interest and principle.";

      }

      var v_summary_cell = document.getElementById("summary");
      v_summary_cell.innerHTML = "<strong>Summary:</strong> " + v_summary;


   }
}

function pmtSchedule(form) {

   var pmt_count = sn(document.calc.num_pmts.value);

   if(pmt_count == 0) {
      alert("Please compute the top portion before attempting to create the payment schedule.");
      clearResults(form);

   } else {

      var row_count = 0;
      var Vpmt_rows = "";

      var today = new Date();
      var loanMM = today.getMonth() + 1;
      var loanYY = today.getYear();
      if(loanYY < 1900) {
         loanYY += 1900;
      }

      while(row_count < pmt_count) {

         row_count += 1;

         Vpmt_rows += "<tr>\n";
         Vpmt_rows += "<td align='right'><font face='arial'><small>" + loanMM + "/" + loanYY + "</small></font></td>\n";
         Vpmt_rows += "<td align='right'><font face='arial'><small>" + row_count + "</small></font></td>\n";
         Vpmt_rows += "<td align='right'><font face='arial'><small>" + pmt_amt_arr[row_count] + "</small></font></td>\n";
         Vpmt_rows += "<td align='right'><font face='arial'><small>" + int_port_arr[row_count] + "</small></font></td>\n";
         Vpmt_rows += "<td align='right'><font face='arial'><small>" + prin_port_arr[row_count] + "</small></font></td>\n";
         Vpmt_rows += "<td align='right'><font face='arial'><small>" + prin_arr[row_count] + "</small></font></td>\n";
         Vpmt_rows += "</tr>\n";

         loanMM += 1;
         if(loanMM == 13) {
            loanMM = 1;
            loanYY += 1;
         }

      }


      var part1 = "<html><head><title>Amortization Schedule</title></head>";
      part1 += "<b";
      part1 += "od";
      part1 += "y bgcolor= '#FFFFFF'><br /><br /><center>";
      part1 += "<font face='arial'><big><strong>Amortization Schedule</strong></big></font></center>";

      var Vminpayperc = document.calc.minpayperc.options[document.calc.minpayperc.selectedIndex].value;
      var Vpmt_text = "";
      if(document.calc.pmtMethod[0].checked) {
         Vpmt_text = fns(Vminpayperc * 100,1,0,2,1) + " of balance";
      } else {
         Vpmt_text = fns(document.calc.fixed_pmt.value,2,1,1,1);
      }

      var part2 = "<center><table border=1 cellpadding=2 cellspacing=0 bordercolor='#CCCCCC'><tr>";
      part2 += "<td colspan=6><font face='arial'><small>Principal: " + fns(document.calc.principal.value,2,1,1,1) + "<br />";
      part2 += "# of Payments: " + pmt_count + "<br />Interest Rate: " + fns(document.calc.interest.value,3,0,2,1) + "<br />";
      part2 += "Payment: " + Vpmt_text + "</strong></small></font></td></tr><tr><td colspan=6><center>";
      part2 += "<font face='arial'><strong>Schedule of Payments</strong></font><br />";
      part2 += "<font face='arial'><small><small>Please allow for slight rounding differences.";
      part2 += "</small></small></font></center></td></tr><tr><td align='center'>";
      part2 += "<font face='arial'><small><strong>Pmt Date</strong></small></font></td>";
      part2 += "<td align='center'><font face='arial'><small><strong>Pmt #</strong></small></font></td>";
      part2 += "<td align='center'><font face='arial'><small><strong>Pmt Amt</strong></small></font></td>";
      part2 += "<td align='center'><font face='arial'><small><strong>Interest</strong></small></font></td>";
      part2 += "<td align='center'><font face='arial'><small><strong>Principal</strong></small></font></td>";
      part2 += "<td align='center'><font face='arial'><small><strong>Balance</strong></small></font></td></tr>";

      var part4 = "</table><br /><center><form method='post'>";
      part4 += "<input type='button' value='Close Window' onClick='window.close()'></form></center></body></html>";

      var schedule = (part1 + "" + part2 + "" + Vpmt_rows + "" + part4 + "");

      reportWin = window.open("","","width=500,height=400,toolbar=yes,menubar=yes,scrollbars=yes");

      reportWin.document.write(schedule);

      reportWin.document.close();

   }

}

function clear_results(form) {

   var v_summary_cell = document.getElementById("summary");
   v_summary_cell.innerHTML = "";

   document.calc.num_pmts.value = "";
   document.calc.num_years.value = "";
   document.calc.int_paid.value = "";
   document.calc.prin_paid.value = "";
   document.calc.pmt_rows.value = "";


}

function reset_calc(form) {

   var v_summary_cell = document.getElementById("summary");
   v_summary_cell.innerHTML = "";

   document.calc.reset();

}