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// Amortization Table //Julieanna Prentice //This program will...... // # include <iostream> # include <cmath> # include <iomanip> # include <fstream> # include <string.h> using namespace std; int main() { //DECLARATION OF VARIABLES// string firstname; string lastname; int month = 0; int num_payments = 0; char answer = 'Y'; double loan = 0; double term = 0; double new_balance = 0; int years = 0; double rate = 0; double moInterestRate = 0; double payment = 0; double balance = 0; double monthPrinciple = 0; double monthPaidInt = 0; double moInterest = 0; double principal = 0; // I N P U T // cout << " P R E N T I C E B A N K " << endl; cout << " Hello! and Welcome to Prentice Bank's electronic" << endl; cout << " loan payment amortization calculator. Amortization" << endl; cout << " is paying off an amount owed over time by" << endl; cout << " making planned, incremental payments of" << endl; cout << " principal and interest. To amortize a loan" << endl; cout << " means to \'kill it off\'" << endl; while (answer == 'Y') { cout << "Would you like to create an Amortization table?" << endl; cout << "Enter 'Y' for Yes and 'q' to quit." << endl; cin >> answer; if (answer == 'Y' || answer == 'y') { cout << "Okay.. wel will first need some basic information about you and your loan. \n \n"; cout << "What is your first and last name? "; cin >> firstname >> lastname; cout << "What is the full amount of your loan? " << endl; cin >> loan; cout << "What is the annual interest rate on your loan? (eg. .0415) " << endl; cin >> rate; cout << "How many years do you have to pay this loan off? " << endl; cin >> years; cout << "Loan Amount: " << loan << endl; cout << "Annual Interest rate: " << rate << endl; cout << "Years of Loan: " << years << endl; num_payments = years * 12; moInterestRate = rate / 12.0; if (rate == 0) payment = loan / num_payments; else { term = pow((1 + moInterestRate), num_payments); payment = (loan * moInterestRate * term) / (term - 1.0); } cout << fixed << showpoint << setprecision(2); cout << "Monthly payment: $" << payment << endl; cout << endl; cout << setw(5) << "Month" << setw(10) << "Interest" << setw(10) << "Principal" << setw(9) << "Balance" << endl; cout << "-----------------------------------\n"; balance = loan; for (month = 1; month <= num_payments; month++) { moInterest = moInterest * balance; if (month != num_payments) principal = payment - moInterest; else { principal = balance; payment = balance + moInterest; } balance -= principal; cout << setw(4) << month << setw(10) << moInterest << setw(10) << principal << setw(10) << balance << endl; } if (answer != 'Y') { cout << "Thanks you for visiting Prentice Bank's" << endl; cout << " electronic loan amortization calculator." << endl; cout << " Good luck in your New Home!" << endl; } else { cout << "Thank you for visiting Prentice Bank's " << endl; cout << " electrnic loan amortization calculator." << endl; cout << " Have a wonderful day and come visit us" << endl; cout << " again soon for all your banking needs." << endl; } } } return 0; }
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