//*******************************************
//DO NOT REMOVE THIS COPYWRITE INFO!
//IRA to Roth Conversion Calculator
//2004 Daniel C. Peterson ALL RIGHTS RESERVED
//Created: 01/16/2004
//Last Modified: 01/16/2004
//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 #:5782-1237-121-1198
//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 FVsingleDep(prin, intRate, numMonths, numCompPerYr) {

var i = 0;
var intEarn = 0;
var singleFV = prin;

if(intRate >= 1) {
   intRate /= 100;
}

if(numCompPerYr == "" || numCompPerYr == 0) {
   numCompPerYr = 12;
}
intRate /= numCompPerYr;

var numPeriods = numMonths / 12 * numCompPerYr;

singleFV = Math.pow((eval(1) + eval(intRate)), numPeriods) * singleFV;

return singleFV;

}



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 computeAnnualPayment(prin, years, intRate) {

var pmtAmt = 0;

if(intRate == 0) {
   pmtAmt = prin / years;
} else {
   
   if (intRate >= 1.0) {
     intRate = intRate / 100.0;
   }

   var pow = 1;
   for (var j = 0; j < years; j++)
      pow = pow * (1 + intRate);

   pmtAmt = (prin * pow * intRate) / (pow - 1);

}

return pmtAmt;

}


function computeForm(form) {
if(form.currentAmt.value.length == 0 || form.currentAmt.value == 0) {
   alert("Please enter the current taxable amount in traditional IRA.");
   form.currentAmt.focus();
} else
if(form.yearsTillRetire.value.length == 0) {
   alert("Please the number of years till you retire.");
   form.yearsTillRetire.focus();
} else
if(form.beforeSaveRate.value.length == 0 || form.beforeSaveRate.value == 0) {
   alert("Please enter the expected annual rate of return on investments before retirement.");
   form.beforeSaveRate.focus();
} else
if(form.beforeTaxRate.value.length == 0 || form.beforeTaxRate.value == 0) {
   alert("Please enter your pre-retirement Federal tax rate.");
   form.beforeTaxRate.focus();
} else
if(form.retireYears.value.length == 0 || form.retireYears.value == 0) {
   alert("Please enter the number of years of anticipated retirement.");
   form.retireYears.focus();
} else
if(form.afterSaveRate.value.length == 0 || form.afterSaveRate.value == 0) {
   alert("Please enter the expected annual rate of return on investsments after retirement.");
   form.afterSaveRate.focus();
} else
if(form.afterTaxRate.value.length == 0 || form.afterTaxRate.value == 0) {
   alert("Please enter the your anticipated Federal tax rate during retirement.");
   form.afterTaxRate.focus();
} else {

var VcurrentAmt = stripNum(form.currentAmt.value);
var VyearsTillRetire = stripNum(form.yearsTillRetire.value);
var VbeforeSaveRate = stripNum(form.beforeSaveRate.value);
var VbeforeTaxRate = stripNum(form.beforeTaxRate.value);
var VretireYears = stripNum(form.retireYears.value);
var VafterSaveRate = stripNum(form.afterSaveRate.value);
var VafterTaxRate = stripNum(form.afterTaxRate.value);

var monthsTillRetire = VyearsTillRetire * 12;

VtradRetireValue = FVsingleDep(VcurrentAmt, VbeforeSaveRate, monthsTillRetire, 1)
form.tradRetireValue.value = "$" + formatNumberDec(VtradRetireValue,0,1);

form.rothRetireValue.value = "$" + formatNumberDec(VtradRetireValue,0,1);

var VtradAnnDistribute = computeAnnualPayment(VtradRetireValue, VretireYears, VafterSaveRate)
form.tradAnnDistribute.value = "$" + formatNumberDec(VtradAnnDistribute,0,1);

form.rothAnnDistribute.value = "$" + formatNumberDec(VtradAnnDistribute,0,1);

var VtradTotDistribute = VretireYears * VtradAnnDistribute;
form.tradTotDistribute.value = "$" + formatNumberDec(VtradTotDistribute,0,1);

var VrothTotDistribute = VretireYears * VtradAnnDistribute;
form.rothTotDistribute.value = "$" + formatNumberDec(VrothTotDistribute,0,1);

if(VbeforeTaxRate >= 1) {
   VbeforeTaxRate /= 100;
}
var VtradTaxesDue = VcurrentAmt * VbeforeTaxRate;
form.tradTaxesDue.value = "$" + formatNumberDec(VtradTaxesDue,0,1);

if(VbeforeSaveRate >= 1) {
   VbeforeSaveRate /= 100;
}
var taxAdjustedRate = VbeforeSaveRate * (1 - VbeforeTaxRate);
var VlostInterest = FVsingleDep(VtradTaxesDue, taxAdjustedRate, VyearsTillRetire * 12, 1)
form.lostInterest.value = "$" + formatNumberDec(VlostInterest ,0,1);

if(VafterTaxRate >= 1) {
   VafterTaxRate /= 100;
}
var VpostRetireTax = VafterTaxRate * VtradAnnDistribute;
form.postRetireTax.value = "$" + formatNumberDec(VpostRetireTax,0,1);

var VtradTotTaxDue = VlostInterest;
form.tradTotTaxDue.value = "$" + formatNumberDec(VtradTotTaxDue,0,1);

var VrothTotTaxDue = VretireYears * VpostRetireTax;
form.rothTotTaxDue.value = "$" + formatNumberDec(VrothTotTaxDue,0,1);

var VtradNetValue =  VtradTotDistribute - VtradTotTaxDue;
form.tradNetValue.value = "$" + formatNumberDec(VtradNetValue,0,1);

var VrothNetValue =  VrothTotDistribute - VrothTotTaxDue;
form.rothNetValue.value = "$" + formatNumberDec(VrothNetValue,0,1);

var VmostValueText = "";
var Vdiff = 0;
if(VtradNetValue > VrothNetValue) {
   VmostValueText = "Tradional";
   Vdiff = VtradNetValue - VrothNetValue;
} else
if(VtradNetValue < VrothNetValue) {
   VmostValueText = "Roth";
   Vdiff = VrothNetValue - VtradNetValue;
} else {
   VmostValueText = "Equal";
}
form.mostValueText.value = VmostValueText + " IRA: +$" + formatNumberDec(Vdiff,0,1);


   }
}

function clearResults(form) {

form.tradRetireValue.value = "";
form.rothRetireValue.value = "";
form.tradAnnDistribute.value = "";
form.rothAnnDistribute.value = "";
form.tradTotDistribute.value = "";
form.rothTotDistribute.value = "";
form.tradTaxesDue.value = "";
form.lostInterest.value = "";
form.postRetireTax.value = "";
form.tradTotTaxDue.value = "";
form.rothTotTaxDue.value = "";
form.tradNetValue.value = "";
form.rothNetValue.value  = "";
form.mostValueText.value = "";

}