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//*******************************************
//DO NOT REMOVE THIS COPYWRITE INFO!
//Fixed Vs. Minimum Payment Calculator
//2003 Daniel C. Peterson ALL RIGHTS RESERVED
//Created: 05/02/2003
//Last Modified: 05/02/2003
//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 #:3891-927-98-898
//Commercial Licence Date:2006-08-09
//*******************************************



function stripNum(num) {

var iPercent
var iDollar
var iSpace
var iComma
var numLength = num.length

//lalalla Line #114

if(numLength > 0) {

   num=num.toString();

   iPercent = num.indexOf("%");
   if(iPercent >= 0) {
      num=num.substring(0,iPercent) + "" + num.substring(iPercent + 1,numLength);
      numLength=num.length;
      }
   iDollar = num.indexOf("$");
   if(iDollar >= 0) {
      num=num.substring(0,iDollar) + "" + num.substring(iDollar + 1,numLength);
      numLength=num.length;
      }
   iSpace = num.indexOf(" ");
   if(iSpace >= 0) {
      num=num.substring(0,iSpace) + "" + num.substring(iSpace + 1,numLength);
      numLength=num.length;
      }
   iComma = num.indexOf(",");
   if(iComma >= 0) {
      while(iComma >=1) {
         num=num.substring(0,iComma) + "" + num.substring(iComma + 1,numLength);
         numLength=num.length;
         iComma = num.indexOf(",");
      }
      }

      num = eval(num);


} else {

num = 0;

}

return num;

}




function formatNumberDec(num, places, comma) {

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 = eval(myPlaces) + eval(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) {
       finNum = "-" + finNum;
    }

	return finNum;
}


function calcMinPmt(form) {

var Vprin = stripNum(form.principal.value);
var Vminpayperc = form.minpayperc.options[form.minpayperc.selectedIndex].value;

if(Vprin > 0 && Vminpayperc > 0) {
   Vmin_pmt = Vminpayperc * Vprin;
   form.min_pmt.value = formatNumberDec(Vmin_pmt,2,0);
   if(form.fixed_pmt.value.length == 0) {
      form.fixed_pmt.value = formatNumberDec(Vmin_pmt,2,0);
   }

} else {
   form.min_pmt.value = "";
}

form.min_num_pmts.value = "";
form.min_int_cost.value = "";
form.fix_num_pmts.value = "";
form.fix_int_cost.value = "";
form.fix_pmt_save.value = "";
form.fix_int_save.value = "";

}

function computeForm(form) {

if(form.principal.value == 0 || form.principal.value == "") {
   alert("Please enter the balance on your credit card.");
   form.principal.focus();
} else
if(form.interest.value == 0 || form.interest.value == "") {
   alert("Please enter the credit card's annual interest rate.");
   form.interest.focus();
} else
if(form.min_pmt.value == 0 || form.min_pmt.value == "") {
   alert("Please enter the current minimum payment amount.");
   form.min_pmt.focus();
} else
if(form.fixed_pmt.value == 0 || form.fixed_pmt.value == "") {
   alert("Please enter a fixed payment amount that you could pay.");
   form.fixed_pmt.focus();
} else {

var clearResults = 0;

var i = stripNum(form.interest.value);
if (i >= 1.0) {
 i = i / 100.0;
}
i /= 12;

var Vmin_prin = stripNum(form.principal.value);

var  Vmin_pmt = stripNum(form.min_pmt.value);
var  Vmin_prinPort = 0;
var  Vmin_intPort = 0;
var  Vmin_count = 0;
var  Vmin_accruedInt = 0;

var Vmin_dol_pmt = 10;

var Vminpayperc = form.minpayperc.options[form.minpayperc.selectedIndex].value;

if(Vminpayperc == 0) {
   Vminpayperc = Vmin_pmt / Vmin_prin;
}
    
while(Vmin_prin > 0) {
   if(eval(Vmin_prin * Vminpayperc) < Vmin_dol_pmt) {
      Vmin_pmt = Vmin_dol_pmt;
   } else {
      Vmin_pmt = eval(Vminpayperc * Vmin_prin);
   }
   Vmin_intPort = eval(i * Vmin_prin);
   Vmin_prinPort = eval(Vmin_pmt - Vmin_intPort);
   Vmin_prin = eval(Vmin_prin - Vmin_prinPort);
   Vmin_accruedInt = eval(Vmin_accruedInt + Vmin_intPort);
   Vmin_count = Vmin_count + 1
   if(Vmin_count > 1000) {
      clearResults = 1;
      alert("The entered minimum payment amount is too small. Please increase the minimum payment amount and recalculate.");
      break;
   } else {
      continue;
   }
}

var Vmin_num_pmts = Vmin_count;
form.min_num_pmts.value = formatNumberDec(Vmin_num_pmts,0,0);

var Vmin_int_cost = Vmin_accruedInt;
form.min_int_cost.value =  "$" + formatNumberDec(Vmin_int_cost,2,1);


var Vfix_prin = stripNum(form.principal.value);

var  Vfix_pmt = stripNum(form.fixed_pmt.value);
var  Vfix_prinPort = 0;
var  Vfix_intPort = 0;
var  Vfix_count = 0;
var  Vfix_accruedInt = 0;
    
while(Vfix_prin > 0) {
   Vfix_intPort = eval(i * Vfix_prin);
   Vfix_prinPort = eval(Vfix_pmt - Vfix_intPort);
   Vfix_prin = eval(Vfix_prin - Vfix_prinPort);
   Vfix_accruedInt = eval(Vfix_accruedInt + Vfix_intPort);
   Vfix_count = Vfix_count + 1
   if(Vfix_count > 600) {
      clearResults = 1;
      alert("The entered fixed payment amount is too small. Please increase the fixed payment amount and recalculate.");
      break;
   } else {
      continue;
   }
}

var Vfix_num_pmts = Vfix_count;
form.fix_num_pmts.value = formatNumberDec(Vfix_num_pmts,0,0);

var Vfix_int_cost = Vfix_accruedInt;
form.fix_int_cost.value = "$" + formatNumberDec(Vfix_int_cost,2,1);


var Vfix_pmt_save = eval(Vmin_num_pmts) - eval(Vfix_num_pmts);
form.fix_pmt_save.value = formatNumberDec(Vfix_pmt_save,0,0);

var Vfix_int_save = eval(Vmin_int_cost) - eval(Vfix_int_cost);
form.fix_int_save.value =  "$" + formatNumberDec(Vfix_int_save,2,1);

if(clearResults == 1) {
      form.min_num_pmts.value = "";
      form.min_int_cost.value = "";
      form.fix_num_pmts.value = "";
      form.fix_int_cost.value = "";
      form.fix_pmt_save.value = "";
      form.fix_int_save.value = "";
}

}
}