/*************************************************************************
*Jason Calcagno
*Getting out of Hock
*Input:		priciple: amount borrowes (in dollars)
			annualRate: annual interest rate (as a percent of 1.0)
			numYears: length of the loan (in years)
*Output:	complete loan schedule
*AP/IB computer science
*November 8, 2002
*************************************************************************/
#include <iostream.h>
#include <iomanip.h>
#include <math.h>
#include <fstream.h>

// Function prototypes
double monthlyPayment ( double principal, double annualRate,
                        int numYears                         );

void loanSchedule ( double principal, double annualRate,
                    int numYears );


int main ()
{
    double principal,     // Amount borrowed (in dollars)
           interestRate;  // Annual interest rate (as a % of 1.0)
    int numYears;         // Length of the loan (in years)

    
    cout << endl << "Enter the amount borrowed: ";
    cin >> principal;
    cout << "Enter the annual interest rate (as a % of 1.0): ";
    cin >> interestRate;
    cout << "Enter the length of the loan (in years): ";
    cin >> numYears;

    
    cout << "Monthly payment : "
         << monthlyPayment(principal,interestRate,numYears) << endl;

    // Output the loan schedule.
    loanSchedule(principal,interestRate,numYears);
	return 0;
}
double monthlyPayment ( double principal, double annualRate,
                        int numYears )
{
	double mp, mpr;
	int numMonths;
	cout.setf(ios::fixed, ios::floatfield);
	cout<<setprecision(2);
	mpr = annualRate / 12.0;
	numMonths = numYears * 12;
	mp = mpr * (principal) / (1 - 1 / pow(1 + mpr, numMonths));
	return mp;
}
//--------------------------------------------------------------------
// Insert your function implementations here.
//--------------------------------------------------------------------
void loanSchedule ( double principal, double annualRate,
                    int numYears )
{
	ofstream outFile ("output.txt");
	outFile<<"The loan schedule will be as follows: "<<endl;
	outFile.setf(ios::fixed, ios::floatfield);
	outFile.setf(ios::showpoint);
	outFile<<setprecision(2);
	outFile<< "Month"<< setw(20) << "Interest Paid" << setw(20) << "Principal Paid" << setw(25) << "Remaining Balance" <<  endl;
	double balance = principal;
	int Month;
	double mpr = annualRate / 12.0;
	double interPaid, princPaid;
	double monthlyPay = monthlyPayment ( principal, annualRate, numYears);
	for (Month = 1; Month<= 12 * numYears; Month++)
	{
		outFile<<setw(5)<<Month;
		interPaid = mpr * balance;
		princPaid = monthlyPay - interPaid;
		balance = balance - princPaid;

		outFile<<setw(15)<<interPaid<<setw(20)<<princPaid<<setw(25)<<balance<<endl;
	}
}

/*
Enter the amount borrowed: 5000
Enter the annual interest rate (as a % of 1.0): .05
Enter the length of the loan (in years): 2
Monthly payment : 219.36
Press any key to continue
The loan schedule will be as follows: 
Month       Interest Paid      Principal Paid        Remaining Balance
    1          20.83              198.52                  4801.48
    2          20.01              199.35                  4602.13
    3          19.18              200.18                  4401.94
    4          18.34              201.02                  4200.93
    5          17.50              201.85                  3999.08
    6          16.66              202.69                  3796.38
    7          15.82              203.54                  3592.84
    8          14.97              204.39                  3388.46
    9          14.12              205.24                  3183.22
   10          13.26              206.09                  2977.12
   11          12.40              206.95                  2770.17
   12          11.54              207.81                  2562.36
   13          10.68              208.68                  2353.68
   14           9.81              209.55                  2144.13
   15           8.93              210.42                  1933.70
   16           8.06              211.30                  1722.40
   17           7.18              212.18                  1510.22
   18           6.29              213.06                  1297.16
   19           5.40              213.95                  1083.21
   20           4.51              214.84                   868.36
   21           3.62              215.74                   652.62
   22           2.72              216.64                   435.99
   23           1.82              217.54                   218.45
   24           0.91              218.45                    -0.00
********************************************************************
Enter the amount borrowed: 100000
Enter the annual interest rate (as a % of 1.0): .079
Enter the length of the loan (in years): 20
Monthly payment : 830.23
Press any key to continue
The loan schedule will be as follows: 
Month       Interest Paid      Principal Paid        Remaining Balance
    1         658.33              171.89                 99828.11
    2         657.20              173.03                 99655.08
    3         656.06              174.16                 99480.92
    4         654.92              175.31                 99305.60
    5         653.76              176.47                 99129.14
    6         652.60              177.63                 98951.51
    7         651.43              178.80                 98772.72
    8         650.25              179.97                 98592.74
    9         649.07              181.16                 98411.58
   10         647.88              182.35                 98229.23
   11         646.68              183.55                 98045.68
   12         645.47              184.76                 97860.92
   13         644.25              185.98                 97674.95
   14         643.03              187.20                 97487.74
   15         641.79              188.43                 97299.31
   16         640.55              189.67                 97109.64
   17         639.31              190.92                 96918.72
   18         638.05              192.18                 96726.54
   19         636.78              193.44                 96533.09
   20         635.51              194.72                 96338.38
   21         634.23              196.00                 96142.38
   22         632.94              197.29                 95945.09
   23         631.64              198.59                 95746.50
   24         630.33              199.90                 95546.60
   25         629.02              201.21                 95345.39
   26         627.69              202.54                 95142.85
   27         626.36              203.87                 94938.98
   28         625.01              205.21                 94733.77
   29         623.66              206.56                 94527.21
   30         622.30              207.92                 94319.28
   31         620.94              209.29                 94109.99
   32         619.56              210.67                 93899.32
   33         618.17              212.06                 93687.26
   34         616.77              213.45                 93473.81
   35         615.37              214.86                 93258.95
   36         613.95              216.27                 93042.68
   37         612.53              217.70                 92824.98
   38         611.10              219.13                 92605.86
   39         609.66              220.57                 92385.28
   40         608.20              222.02                 92163.26
   41         606.74              223.49                 91939.77
   42         605.27              224.96                 91714.82
   43         603.79              226.44                 91488.38
   44         602.30              227.93                 91260.45
   45         600.80              229.43                 91031.02
   46         599.29              230.94                 90800.08
   47         597.77              232.46                 90567.62
   48         596.24              233.99                 90333.63
   49         594.70              235.53                 90098.10
   50         593.15              237.08                 89861.02
   51         591.59              238.64                 89622.38
   52         590.01              240.21                 89382.16
   53         588.43              241.79                 89140.37
   54         586.84              243.39                 88896.98
   55         585.24              244.99                 88651.99
   56         583.63              246.60                 88405.39
   57         582.00              248.23                 88157.17
   58         580.37              249.86                 87907.31
   59         578.72              251.50                 87655.80
   60         577.07              253.16                 87402.64
   61         575.40              254.83                 87147.82
   62         573.72              256.50                 86891.31
   63         572.03              258.19                 86633.12
   64         570.33              259.89                 86373.23
   65         568.62              261.60                 86111.62
   66         566.90              263.33                 85848.30
   67         565.17              265.06                 85583.24
   68         563.42              266.80                 85316.43
   69         561.67              268.56                 85047.87
   70         559.90              270.33                 84777.54
   71         558.12              272.11                 84505.44
   72         556.33              273.90                 84231.54
   73         554.52              275.70                 83955.83
   74         552.71              277.52                 83678.31
   75         550.88              279.35                 83398.97
   76         549.04              281.18                 83117.79
   77         547.19              283.04                 82834.75
   78         545.33              284.90                 82549.85
   79         543.45              286.77                 82263.08
   80         541.57              288.66                 81974.42
   81         539.66              290.56                 81683.85
   82         537.75              292.48                 81391.38
   83         535.83              294.40                 81096.98
   84         533.89              296.34                 80800.64
   85         531.94              298.29                 80502.35
   86         529.97              300.25                 80202.10
   87         528.00              302.23                 79899.86
   88         526.01              304.22                 79595.65
   89         524.00              306.22                 79289.42
   90         521.99              308.24                 78981.18
   91         519.96              310.27                 78670.92
   92         517.92              312.31                 78358.61
   93         515.86              314.37                 78044.24
   94         513.79              316.44                 77727.80
   95         511.71              318.52                 77409.28
   96         509.61              320.62                 77088.67
   97         507.50              322.73                 76765.94
   98         505.38              324.85                 76441.09
   99         503.24              326.99                 76114.10
  100         501.08              329.14                 75784.96
  101         498.92              331.31                 75453.65
  102         496.74              333.49                 75120.16
  103         494.54              335.69                 74784.47
  104         492.33              337.90                 74446.57
  105         490.11              340.12                 74106.45
  106         487.87              342.36                 73764.09
  107         485.61              344.61                 73419.48
  108         483.34              346.88                 73072.60
  109         481.06              349.17                 72723.43
  110         478.76              351.46                 72371.97
  111         476.45              353.78                 72018.19
  112         474.12              356.11                 71662.08
  113         471.78              358.45                 71303.63
  114         469.42              360.81                 70942.82
  115         467.04              363.19                 70579.63
  116         464.65              365.58                 70214.05
  117         462.24              367.98                 69846.07
  118         459.82              370.41                 69475.66
  119         457.38              372.85                 69102.81
  120         454.93              375.30                 68727.51
  121         452.46              377.77                 68349.74
  122         449.97              380.26                 67969.48
  123         447.47              382.76                 67586.72
  124         444.95              385.28                 67201.44
  125         442.41              387.82                 66813.62
  126         439.86              390.37                 66423.25
  127         437.29              392.94                 66030.31
  128         434.70              395.53                 65634.78
  129         432.10              398.13                 65236.65
  130         429.47              400.75                 64835.90
  131         426.84              403.39                 64432.51
  132         424.18              406.05                 64026.46
  133         421.51              408.72                 63617.74
  134         418.82              411.41                 63206.33
  135         416.11              414.12                 62792.21
  136         413.38              416.85                 62375.37
  137         410.64              419.59                 61955.78
  138         407.88              422.35                 61533.43
  139         405.10              425.13                 61108.30
  140         402.30              427.93                 60680.36
  141         399.48              430.75                 60249.62
  142         396.64              433.58                 59816.03
  143         393.79              436.44                 59379.59
  144         390.92              439.31                 58940.28
  145         388.02              442.20                 58498.08
  146         385.11              445.11                 58052.96
  147         382.18              448.05                 57604.92
  148         379.23              450.99                 57153.92
  149         376.26              453.96                 56699.96
  150         373.27              456.95                 56243.01
  151         370.27              459.96                 55783.05
  152         367.24              462.99                 55320.06
  153         364.19              466.04                 54854.02
  154         361.12              469.10                 54384.92
  155         358.03              472.19                 53912.72
  156         354.93              475.30                 53437.42
  157         351.80              478.43                 52958.99
  158         348.65              481.58                 52477.41
  159         345.48              484.75                 51992.66
  160         342.28              487.94                 51504.72
  161         339.07              491.15                 51013.56
  162         335.84              494.39                 50519.17
  163         332.58              497.64                 50021.53
  164         329.31              500.92                 49520.61
  165         326.01              504.22                 49016.39
  166         322.69              507.54                 48508.86
  167         319.35              510.88                 47997.98
  168         315.99              514.24                 47483.74
  169         312.60              517.63                 46966.12
  170         309.19              521.03                 46445.08
  171         305.76              524.46                 45920.62
  172         302.31              527.92                 45392.70
  173         298.84              531.39                 44861.31
  174         295.34              534.89                 44326.42
  175         291.82              538.41                 43788.01
  176         288.27              541.96                 43246.05
  177         284.70              545.52                 42700.53
  178         281.11              549.12                 42151.41
  179         277.50              552.73                 41598.68
  180         273.86              556.37                 41042.31
  181         270.20              560.03                 40482.28
  182         266.51              563.72                 39918.56
  183         262.80              567.43                 39351.13
  184         259.06              571.17                 38779.96
  185         255.30              574.93                 38205.04
  186         251.52              578.71                 37626.33
  187         247.71              582.52                 37043.81
  188         243.87              586.36                 36457.45
  189         240.01              590.22                 35867.24
  190         236.13              594.10                 35273.14
  191         232.21              598.01                 34675.12
  192         228.28              601.95                 34073.17
  193         224.32              605.91                 33467.26
  194         220.33              609.90                 32857.36
  195         216.31              613.92                 32243.44
  196         212.27              617.96                 31625.49
  197         208.20              622.03                 31003.46
  198         204.11              626.12                 30377.34
  199         199.98              630.24                 29747.10
  200         195.84              634.39                 29112.70
  201         191.66              638.57                 28474.13
  202         187.45              642.77                 27831.36
  203         183.22              647.00                 27184.36
  204         178.96              651.26                 26533.09
  205         174.68              655.55                 25877.54
  206         170.36              659.87                 25217.68
  207         166.02              664.21                 24553.47
  208         161.64              668.58                 23884.88
  209         157.24              672.99                 23211.90
  210         152.81              677.42                 22534.48
  211         148.35              681.88                 21852.61
  212         143.86              686.36                 21166.24
  213         139.34              690.88                 20475.36
  214         134.80              695.43                 19779.93
  215         130.22              700.01                 19079.92
  216         125.61              704.62                 18375.30
  217         120.97              709.26                 17666.04
  218         116.30              713.93                 16952.12
  219         111.60              718.63                 16233.49
  220         106.87              723.36                 15510.14
  221         102.11              728.12                 14782.02
  222          97.31              732.91                 14049.10
  223          92.49              737.74                 13311.37
  224          87.63              742.59                 12568.77
  225          82.74              747.48                 11821.29
  226          77.82              752.40                 11068.89
  227          72.87              757.36                 10311.53
  228          67.88              762.34                  9549.19
  229          62.87              767.36                  8781.82
  230          57.81              772.41                  8009.41
  231          52.73              777.50                  7231.91
  232          47.61              782.62                  6449.30
  233          42.46              787.77                  5661.53
  234          37.27              792.96                  4868.57
  235          32.05              798.18                  4070.39
  236          26.80              803.43                  3266.96
  237          21.51              808.72                  2458.24
  238          16.18              814.04                  1644.20
  239          10.82              819.40                   824.80
  240           5.43              824.80                     0.00
******************************************************************
Enter the amount borrowed: 1000
Enter the annual interest rate (as a % of 1.0): .15
Enter the length of the loan (in years): 1
Monthly payment : 90.26
Press any key to continue
The loan schedule will be as follows: 
Month       Interest Paid      Principal Paid        Remaining Balance
    1          12.50               77.76                   922.24
    2          11.53               78.73                   843.51
    3          10.54               79.71                   763.80
    4           9.55               80.71                   683.09
    5           8.54               81.72                   601.37
    6           7.52               82.74                   518.63
    7           6.48               83.78                   434.85
    8           5.44               84.82                   350.03
    9           4.38               85.88                   264.14
   10           3.30               86.96                   177.19
   11           2.21               88.04                    89.14
   12           1.11               89.14                    -0.00
*/

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