//*******************************************
//DO NOT REMOVE THIS COPYWRITE INFO!
//Debt Calculator
//2002 Daniel C. Peterson ALL RIGHTS RESERVED
//Created: 08/08/2002
//Last Modified: 08/29/2007
//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 #:5782-1237-68-1198
//Commercial Licence Date:2008-09-11
//*******************************************



function stripNum(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 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 computeForm(form) {

if(form.payment.value == 0 || form.payment.value == "") {
   alert("Please enter this debt's current monthly payment amount.");
   form.payment.focus();
} else
if(form.interest.value == 0 || form.interest.value == "") {
   alert("Please enter this debt's annual interest rate.");
   form.interest.focus();
} else
if(form.principal.value == 0 || form.principal.value == "") {
   alert("Please enter this debt's current principal balance.");
   form.principal.focus();
} else {


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

var Vpayment = stripNum(form.payment.value);
var Vprincipal = stripNum(form.principal.value);

var avgInt = 0;
var numMonths = 0;

if(form.fixFall.selectedIndex == 0) {

numMonths = fixCalcMonths(Vprincipal, i, Vpayment, 0);

avgInt = fixCalcMonths(Vprincipal, i, Vpayment, 1);
avgInt = avgInt / numMonths;

form.monthlyInterest.value = "$" + formatNumberDec(avgInt,2,1);
form.months.value = numMonths;

} else {

numMonths = ccCalcMonths(Vprincipal, i, Vpayment, 0);

avgInt = ccCalcMonths(Vprincipal, i, Vpayment, 1);
avgInt = avgInt / numMonths;

form.monthlyInterest.value = "$" + formatNumberDec(avgInt,2,1);
form.months.value = numMonths; 

}

var numYears = numMonths / 12;
form.years.value = formatNumberDec(numYears,1,0);

}
}

function fixCalcMonths(fixPrin, fixInt, fixPmt, retType) {

var prin = fixPrin;
var pmt = fixPmt;
var prinPort = 0;
var intPort = 0;
var count = 0;
var accruedInt = 0;
var i = fixInt;

while(prin > 0) {
   intPort = eval(i * prin);
   prinPort = eval(pmt - intPort);
   prin = eval(prin - prinPort);
   accruedInt = eval(accruedInt + intPort);
   count = eval(count) + eval(1);
   if(count > 600) {
      accruedInt = "0";
      alert("Number of payments exceeds 600.  Please increase the minimum payment percent and recalculate.");
      break;
   } else {
      continue;
   }
}

if(retType == 0) {
   return count;
} else {
   return accruedInt;
}

}

function ccCalcMonths(ccPrin, ccInt, ccPmt, retType) {

var prin = ccPrin;
var pmt = 0;
var prinPort = 0;
var intPort = 0;
var count = 0;
var accruedInt = 0;
var i = ccInt;

var Vminpaydol = 15;
var Vminpayperc = ccPmt / ccPrin;

while(prin > 0) {
   if(eval(prin * Vminpayperc) < Vminpaydol) {
      pmt = Vminpaydol;
   } else {
      pmt = eval(Vminpayperc * prin);
   }
   intPort = eval(i * prin);
   prinPort = eval(pmt - intPort);
   prin = eval(prin - prinPort);
   accruedInt = eval(accruedInt + intPort);
   count = eval(count) + eval(1);
   if(count > 600) {
      accruedInt = "0";
      alert("Number of payments exceeds 600.  Please increase the minimum payment percent and recalculate.");
      break;
   } else {
      continue;
   }
}

if(retType == 0) {
   return count;
} else {
   return accruedInt;
}

}

function clear_results(form) {

   form.monthlyInterest.value = "";
   form.months.value = "";
   form.years.value = "";

}