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- #include <ctgmath>
- #include <iostream>
- #include <cstdlib>
- #include <cstdio>
- #include <locale>
- namespace jacknpoe {
- //--------------------------- Interest class
- class Interest {
- protected:
- protected:
- short Quant; // number of payments (all payments with 0 will be considered a valid payment in cash)
- bool Compounded; // compounded (InterestRate², InterestRate³)
- short Period; // period fot the InterestRate (like 30 for a 30 days interest rate)
- short *Payments; // payment days in periods like in days { 0, 30, 60, 90}
- long double *Weights; // payment weights (in any unit, value, apportionment...)
- void init( short quant, bool compounded, short period);
- public:
- Interest( short quant = 0, bool compounded = false, short period = 30);
- Interest( bool compounded, short period = 30);
- ~Interest();
- bool setQuant( short quant);
- short getQuant( void);
- void setCompounded( bool compounded);
- bool getCompounded( void);
- bool setPeriod( short period);
- short getPeriod( void);
- bool setPayment( short index, short value);
- short getPayment( short index);
- bool setWeight( short index, long double value);
- long double getWeight( short index);
- long double getTotalWeight( void);
- long double InterestRateToIncrease( long double interestrate);
- long double IncreaseToInterestRate( long double increase, char precision = 8,
- short maxiterations = 100, long double maxinterestrate = 50,
- bool increaseasoriginalvalue = false);
- };
- void Interest::init( short quant, bool compounded, short period) {
- Payments = NULL; Weights = NULL; Quant = 0;
- setQuant( quant); Compounded = compounded; Period = period;
- }
- Interest::Interest( short quant, bool compounded, short period) { init( quant, compounded, period); }
- Interest::Interest( bool compounded, short period) { init( 0, compounded, period); }
- bool Interest::setQuant( short quant) {
- if( quant < 0 ) return false; if( quant == Quant) return true;
- Payments = (short *) std::realloc( Payments, sizeof( short) * quant);
- if( quant !=0 and Payments == NULL) { Quant = 0; return false; }
- Weights = (long double *) std::realloc( Weights, sizeof( long double) * quant);
- if( quant !=0 and Weights == NULL) { std::free( Payments); Payments = NULL; Quant = 0; return false; }
- for( short index = Quant; index < quant; index++) { Payments[ index] = 0; Weights[ index] = 1; }
- Quant = quant; return true;
- }
- short Interest::getQuant( void) { return Quant; }
- void Interest::setCompounded( bool compounded) { Compounded = compounded; }
- bool Interest::getCompounded( void) { return Compounded; }
- bool Interest::setPeriod( short period) {
- if( period < 1 ) return false;
- Period = period; return true;
- }
- short Interest::getPeriod( void) { return Period; }
- bool Interest::setPayment( short index, short value) {
- if( index < 0 or index >= Quant or value < 0) return false;
- Payments[ index] = value; return true;
- }
- short Interest::getPayment( short index) {
- if( index < 0 or index >= Quant) return 0; else return Payments[ index];
- }
- bool Interest::setWeight( short index, long double value) {
- if( index < 0 or index >= Quant or value < 0) return false;
- Weights[ index] = value; return true;
- }
- long double Interest::getWeight( short index) {
- if( index < 0 or index >= Quant) return 0; else return Weights[ index];
- }
- long double Interest::getTotalWeight( void) {
- long double accumulator = 0;
- for( short index = 0; index < Quant; index++) accumulator += Weights[ index];
- return accumulator;
- }
- long double Interest::InterestRateToIncrease( long double interestrate) {
- if( interestrate <= 0 or Quant == 0 ) return 0;
- long double total = getTotalWeight();
- if( total == 0) return 0;
- if( Period <= 0) return 0;
- long double accumulator = 0; bool onlyzero = true;
- for( short index = 0; index < Quant; index++) {
- if( Payments[ index] > 0 and Weights[ index] > 0) onlyzero = false;
- if( Compounded) // compounded interest
- accumulator += Weights[ index] / pow( 1 + interestrate / 100, Payments[ index] / Period);
- else // simple interest
- accumulator += Weights[ index] / (( 1 + interestrate / 100) * Payments[ index] / Period);
- }
- if( onlyzero) return 0;
- return ( total / accumulator - 1 ) * 100;
- }
- long double Interest::IncreaseToInterestRate( long double increase, char precision,
- short maxiterations, long double maxinterestrate,
- bool increaseasoriginalvalue)
- {
- long double mininterestrate = 0, medinterestrate, min_diff;
- if( maxiterations < 1 or Quant == 0) return 0;
- if( precision < 1) return 0;
- long double total = getTotalWeight();
- if( total == 0) return 0;
- if( Period <= 0) return 0;
- if( increase <= 0) return 0;
- if( increaseasoriginalvalue) {
- increase = 100 * ( total / increase - 1 );
- if( increase <= 0) return 0;
- }
- min_diff = pow( 0.1, precision);
- for( short index = 0; index < maxiterations; index++) {
- medinterestrate = ( mininterestrate + maxinterestrate) / 2;
- if( ( maxinterestrate - mininterestrate ) < min_diff) break; // the desired precision was reached
- if( InterestRateToIncrease( medinterestrate ) <= increase )
- mininterestrate = medinterestrate;
- else
- maxinterestrate = medinterestrate;
- }
- return medinterestrate;
- }
- Interest::~Interest() { std::free( Payments); std::free( Weights); }
- }
- using namespace jacknpoe; // this code is awkward because, in reality, this file is a concatenation of a .h and a .cpp (from a library) and the main
- int main() {
- Interest interest;
- setlocale( LC_ALL, ""); // equal caracters in prompt
- std::cout.precision(9);
- short payments, temp, period, option;
- long double increase, interestrate, total, temp_ld;
- while( true) {
- std::cout << "——————————————————————————————————\n";
- std::cout << "| Choose an option |\n";
- std::cout << "——————————————————————————————————\n\n";
- std::cout << " 1. Interest Rate to Increase.\n\n";
- std::cout << " 2. Increase to Interest Rate.\n\n";
- std::cout << "Others. Exit.\n\n\n";
- std::cin >> option;
- std::cout << "\n";
- if( option != 1 and option != 2) {
- break;
- }
- std::cout << "\n";
- std::cout << "Number of payments: ";
- std::cin >> payments;
- if( payments < 1) {
- std::cout << "You must provide at least one payment.\n\n";
- system( "PAUSE");
- std::cout << "\n\n";
- continue;
- }
- interest.setQuant( payments);
- std::cout << "Interest rate relating to (example: 30 days, 1 month): ";
- std::cin >> period;
- if( period < 1) {
- std::cout << "Interest rate must relating to at least one period.\n\n";
- system( "PAUSE");
- std::cout << "\n\n";
- continue;
- }
- interest.setPeriod( period);
- for( short index = 0; index < payments; index++) {
- std::cout << "Payment " << index + 1 << ": ";
- std::cin >> temp;
- interest.setPayment( index, temp);
- std::cout << "Weight " << index + 1 << ": ";
- std::cin >> temp_ld;
- interest.setWeight( index, temp_ld);
- }
- if( option == 1)
- {
- std::cout << "\nFull cash value: ";
- std::cin >> total;
- std::cout << "Interest rate: ";
- std::cin >> interestrate;
- interest.setCompounded( false); // simple interest
- increase = interest.InterestRateToIncrease( interestrate);
- std::cout << "\n\nSIMPLE INTEREST";
- std::cout << "\nIncrease: " << increase << "%, payment value: " << total * ( 1 + increase / 100) / payments;
- std::cout << ", total paid: " << total * ( 1 + increase / 100);
- interest.setCompounded( true); // compound interest
- increase = interest.InterestRateToIncrease( interestrate);
- std::cout << "\n\nCOMPOUND INTEREST";
- std::cout << "\nIncrease: " << increase << "%, payment value: " << total * ( 1 + increase / 100) / payments;
- std::cout << ", total paid: " << total * ( 1 + increase / 100);
- }
- else
- {
- std::cout << "\nIncrease: ";
- std::cin >> increase;
- interest.setCompounded( false);
- interestrate = interest.IncreaseToInterestRate( increase);
- std::cout << "\n\nSIMPLE INTEREST: " << interestrate;
- interest.setCompounded( true);
- interestrate = interest.IncreaseToInterestRate( increase);
- std::cout << "\n\nCOMPOUND INTEREST: " << interestrate;
- }
- std::cout << "\n\n";
- system( "PAUSE");
- std::cout << "\n\n";
- }
- std::cout << "\n\n"; exit( 0);
- }
- //
- //----------------------------------
- //| Choose an option |
- //----------------------------------
- // 1. Interest Rate to Increase.
- // 2. Increase to Interest Rate.
- //Others. Exit.
- //2
- //Number of payments: 3
- //Interest rate relating to (example: 30 days, 1 month): 30
- //Payment 1: 30
- //Weight 1: 1
- //Payment 2: 60
- //Weight 2: 1
- //Payment 3: 90
- //Weight 3: 1
- //Increase: 20
- //SIMPLE INTEREST: 10.2936087
- //COMPOUND INTEREST: 9.70102574
- //----------------------------------
- //| Choose an option |
- //----------------------------------
- // 1. Interest Rate to Increase.
- // 2. Increase to Interest Rate.
- //Others. Exit.
- //1
- //Number of payments: 2
- //Interest rate relating to (example: 30 days, 1 month): 1
- //Payment 1: 1
- //Weight 1: 1
- //Payment 2: 2
- //Weight 2: 1
- //Full cash value: 1000
- //Interest rate: 5
- //SIMPLE INTEREST
- //Increase: 7.44186047%, payment value: 537.209302, total paid: 1074.4186
- //COMPOUND INTEREST
- //Increase: 7.56097561%, payment value: 537.804878, total paid: 1075.60976
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