function GECalculator_GetMonthlyPayment(FinancedAmount,DownPaymentPeriod,MonthlyPaymentRef,TotalFinancingCostRef,EffectiveInterestRateRef,TotalFinancingCostAfterTaxRef)
{GECalculator_CalculateByPeriod(FinancedAmount,DownPaymentPeriod,GECalculator_MonthlyInterestRate,GECalculator_MonthlyFee,GECalculator_PercentageDeductionAfterTax,MonthlyPaymentRef,TotalFinancingCostRef,EffectiveInterestRateRef,TotalFinancingCostAfterTaxRef);}
function GECalculator_GetPayOffPeriod(FinancedAmount,MonthlyPayment,DownPaymentPeriodRef,TotalFinancingCostRef,EffectiveInterestRateRef,TotalFinancingCostAfterTaxRef)
{GECalculator_CalculateByPayment(FinancedAmount,MonthlyPayment,GECalculator_MonthlyInterestRate,GECalculator_MonthlyFee,GECalculator_PercentageDeductionAfterTax,GECalculator_MinMonths,GECalculator_MaxMonths,DownPaymentPeriodRef,TotalFinancingCostRef,EffectiveInterestRateRef,TotalFinancingCostAfterTaxRef);}
function GECalculator_CalculateByPeriod(LoanAmount,NumberOfMonths,MonthlyRate,MonthlyFee,PercentageDeductionAfterTax,MonthlyPaymentRef,TotalFinancingCostRef,EffectiveInterestRateRef,TotalFinancingCostAfterTaxRef)
{var MonthlyPayment=GECalculator_CalculateMonthlyPayment(LoanAmount,NumberOfMonths,MonthlyRate,MonthlyFee);var PaymentPlanPayment=GECalculator_CreatepaymentPlanPayment(MonthlyPayment,NumberOfMonths);var PaymentPlanPeriod=GECalculator_CreatepaymentPlanPeriod(NumberOfMonths);var TotalPayment=GECalculator_CalculateTotalPayment(MonthlyPayment,NumberOfMonths,PaymentPlanPayment,PaymentPlanPeriod);var FinancingCost=TotalPayment-LoanAmount;var InternalInterest=GECalculator_CalculateInternalInterest(MonthlyPayment,NumberOfMonths,LoanAmount,PaymentPlanPayment,PaymentPlanPeriod);var FinancingCostAfterTax=GECalculator_FinancingCostAfterTax(FinancingCost,PercentageDeductionAfterTax);MonthlyPaymentRef[0]=GECalculator_FormatToCurrency(Math.ceil(MonthlyPayment))
TotalFinancingCostRef[0]=GECalculator_FormatToCurrency(Math.ceil((FinancingCost+LoanAmount)));EffectiveInterestRateRef[0]=(InternalInterest*100).toFixed(2);TotalFinancingCostAfterTaxRef[0]=GECalculator_FormatToCurrency(Math.ceil(FinancingCostAfterTax));}
function GECalculator_CalculateByPayment(LoanAmount,WantedMonthlyPayment,MonthlyRate,MonthlyFee,PercentageDeductionAfterTax,MinMonths,MaxMonths,DownPaymentPeriodRef,TotalFinancingCostRef,EffectiveInterestRateRef,TotalFinancingCostAfterTaxRef)
{var NumberOfMonths=GECalculator_CalculateNumberOfMonths(LoanAmount,MonthlyRate,MonthlyFee,MinMonths,MaxMonths,WantedMonthlyPayment);var Balance=LoanAmount;Balance=GECalculator_CalculateBalance(Balance,LoanAmount,NumberOfMonths-1,WantedMonthlyPayment,MonthlyRate,MonthlyFee);Balance=GECalculator_CalculateBalance(Balance,LoanAmount,1,0,MonthlyRate,MonthlyFee);var PaymentPlanPayment=GECalculator_CreatepaymentPlanPayment2(WantedMonthlyPayment,NumberOfMonths,Balance);var PaymentPlanPeriod=GECalculator_CreatepaymentPlanPeriod2(NumberOfMonths);var InternalInterest=GECalculator_CalculateInternalInterest(WantedMonthlyPayment,NumberOfMonths,LoanAmount,PaymentPlanPayment,PaymentPlanPeriod);var TotalPayment=GECalculator_CalculateTotalPayment(WantedMonthlyPayment,NumberOfMonths,PaymentPlanPayment,PaymentPlanPeriod);var FinancingCost=TotalPayment-LoanAmount;var FinancingCostAfterTax=GECalculator_FinancingCostAfterTax(FinancingCost,PercentageDeductionAfterTax);DownPaymentPeriodRef[0]=NumberOfMonths;TotalFinancingCostRef[0]=GECalculator_FormatToCurrency(Math.ceil((FinancingCost+LoanAmount)));EffectiveInterestRateRef[0]=(InternalInterest*100).toFixed(2);TotalFinancingCostAfterTaxRef[0]=GECalculator_FormatToCurrency(Math.ceil(FinancingCostAfterTax));}
function GECalculator_GetMaxPeriod(FinancedAmount)
{return GECalculator_CalculateMaximumMonths(FinancedAmount,GECalculator_MonthlyInterestRate,GECalculator_MonthlyFee,GECalculator_MinMonths,GECalculator_MaxMonths,GECalculator_PercentageCreditLimit,GECalculator_MinMonthlyPayment);}
function GECalculator_CalculateMaximumMonths(LoanAmount,MonthlyRate,MonthlyFee,MinMonths,MaxMonths,PercentageCreditLimit,MinMonthlyPayment)
{var MinPayment=GECalculator_CalculateMinimumPayment(LoanAmount,MonthlyRate,MonthlyFee,MinMonths,MaxMonths,PercentageCreditLimit,MinMonthlyPayment);var intMonths=MaxMonths;while(intMonths>MinMonths)
{var MonthlyPayment=GECalculator_CalculateMonthlyPayment(LoanAmount,intMonths,MonthlyRate,MonthlyFee);if(!isNaN(MonthlyPayment))
{if(MonthlyPayment>=MinPayment)
{return intMonths;}}
intMonths-=1;}
return 0;}
function GECalculator_CalculateMinimumPayment(LoanAmount,MonthlyRate,MonthlyFee,MinMonths,MaxMonths,PercentageCreditLimit,MinMonthlyPayment)
{var CalculatedMin=GECalculator_CalculateMonthlyPayment(LoanAmount,MaxMonths,MonthlyRate,MonthlyFee);var PercentageMin=PercentageCreditLimit*LoanAmount;return Math.max(CalculatedMin,Math.max(MinMonthlyPayment,PercentageMin));}
function GECalculator_CalculateNumberOfMonths(LoanAmount,MonthlyRate,MonthlyFee,MinMonths,MaxMonths,WantedMonthlyPayment)
{var intMonths=MinMonths;while(intMonths<=MaxMonths)
{var MonthlyPayment=GECalculator_CalculateMonthlyPayment(LoanAmount,intMonths,MonthlyRate,MonthlyFee);if(MonthlyPayment<WantedMonthlyPayment)
{return intMonths;}
intMonths+=1;}
return 2147483647;}
function GECalculator_CalculateBalance(Balance,LoanAmount,NumberOfMonths,WantedMonthlyPayment,MonthlyRate,MonthlyFee)
{var intCurrentPeriod=0;var Loan=Balance;while(intCurrentPeriod<NumberOfMonths)
{Loan*=(1+MonthlyRate);if(Loan>1000)
{Loan+=MonthlyFee;}
Loan-=WantedMonthlyPayment;intCurrentPeriod+=1;}
return Loan;}
function GECalculator_CreatepaymentPlanPayment(MonthlyAmount,NumberOfMonths)
{var PaymentPlanPayment=new Array();var I=0;var x=0;var periods=NumberOfMonths;while(periods>0)
{PaymentPlanPayment[I]=MonthlyAmount;I+=1;periods-=1;}
return PaymentPlanPayment;}
function GECalculator_CreatepaymentPlanPayment2(WantedMonthlyPayment,NumberOfMonths,Balance)
{var PaymentPlanPayment=new Array();for(I=0;I<(NumberOfMonths-1);I++)
{PaymentPlanPayment[I]=WantedMonthlyPayment;}
PaymentPlanPayment[NumberOfMonths-1]=Balance;return PaymentPlanPayment;}
function GECalculator_CreatepaymentPlanPeriod(NumberOfMonths)
{var PaymentPlanPeriod=new Array();var I=0;var x=0;var periods=NumberOfMonths;while(periods>0)
{PaymentPlanPeriod[I]=periods;I+=1;periods-=1;}
return PaymentPlanPeriod;}
function GECalculator_CreatepaymentPlanPeriod2(NumberOfMonths)
{var PaymentPlanPeriod=new Array();for(I=0;I<(NumberOfMonths-1);I++)
{PaymentPlanPeriod[I]=I+1;}
PaymentPlanPeriod[NumberOfMonths-1]=NumberOfMonths;return PaymentPlanPeriod;}
function GECalculator_CalculateInternalInterest(MonthlyAmount,NumberOfMonths,LoanAmount,PaymentPlanPayment,PaymentPlanPeriod)
{var dblRate=0.5;var dblRateModifier=dblRate;var dblPresentValue=0;while(Math.abs(dblPresentValue-LoanAmount)>0.001)
{while(dblPresentValue<LoanAmount)
{dblRate=(dblRate+(dblRateModifier*-1));var dblSum=0;for(x=0;x<NumberOfMonths;x++)
{dblSum+=(PaymentPlanPayment[x]/Math.pow((1+dblRate),PaymentPlanPeriod[x]));}
dblPresentValue=dblSum;}
dblRateModifier=dblRateModifier/2;while(dblPresentValue>LoanAmount)
{dblRate=(dblRate+dblRateModifier);var dblSum=0;for(x=0;x<NumberOfMonths;x++)
{dblSum+=(PaymentPlanPayment[x]/Math.pow((1+dblRate),PaymentPlanPeriod[x]));}
dblPresentValue=dblSum;}
dblRateModifier=dblRateModifier/2;}
return GECalculator_ToAnual(dblRate);}
function GECalculator_ToAnual(Rate)
{return(Math.pow((1+Rate),12)-1);}
function GECalculator_CalculateTotalPayment(MonthlyAmount,NumberOfMonths,PaymentPlanPayment,PaymentPlanPeriod)
{var dblSum=0;for(x=0;x<NumberOfMonths;x++)
{dblSum+=PaymentPlanPayment[x];}
return dblSum;}
function GECalculator_CalculateMonthlyPayment(LoanAmount,NumberOfMonths,MonthlyRate,MonthlyFee)
{var dblA=GECalculator_CalculateA(LoanAmount,MonthlyRate,MonthlyFee,NumberOfMonths);var intU=GECalculator_CalculateU(LoanAmount,MonthlyRate,MonthlyFee,NumberOfMonths,dblA);var dblTreshold=GECalculator_CalculateTreshold(MonthlyRate,NumberOfMonths,intU,MonthlyFee);if(LoanAmount<=dblTreshold)
{return GECalculator_CalculateP(LoanAmount,MonthlyRate,MonthlyFee,intU,NumberOfMonths);}
else
{return GECalculator_CalculateP(LoanAmount,MonthlyRate,MonthlyFee,intU,-1);}}
function GECalculator_CalculateA(LoanAmount,MonthlyInterestRate,MonthlyFee,NumberOfMonths)
{var dblSmallerPeriodicInterestForMonths=GECalculator_CalculateSmallerPeriodicInterest(MonthlyInterestRate,NumberOfMonths);var dblLargerPeriodicInterestForMonths=GECalculator_CalculateLargerPeriodicInterest(MonthlyInterestRate,NumberOfMonths);return LoanAmount-1001*dblSmallerPeriodicInterestForMonths+MonthlyFee*dblLargerPeriodicInterestForMonths/(MonthlyInterestRate*(1+MonthlyInterestRate));}
function GECalculator_CalculateSmallerPeriodicInterest(MonthlyInterestRate,NumberOfMonths)
{return 1-Math.pow(1+MonthlyInterestRate,-NumberOfMonths);}
function GECalculator_CalculateLargerPeriodicInterest(MonthlyInterestRate,NumberOfMonths)
{return 1+Math.pow(1+MonthlyInterestRate,-NumberOfMonths+1);}
function GECalculator_CalculateU(LoanAmount,MonthlyInterestRate,MonthlyFee,NumberOfMonths,a)
{var dblFirstNominator=GECalculator_CalculateFirstNominatorPartOfU(MonthlyInterestRate,MonthlyFee);var dblSecondNominator=GECalculator_CalculateSecondNominatorPartOfU(LoanAmount,MonthlyInterestRate,a,MonthlyFee,NumberOfMonths);var dblDenominator=GECalculator_CalculateDenominatorPartOfU(MonthlyInterestRate);var dblU=(dblFirstNominator-dblSecondNominator)/dblDenominator;return Math.floor(dblU);}
function GECalculator_CalculateFirstNominatorPartOfU(MonthlyInterestRate,MonthlyFee)
{return log10(2.0*MonthlyFee/MonthlyInterestRate);}
function GECalculator_CalculateSecondNominatorPartOfU(LoanAmount,MonthlyInterestRate,a,MonthlyFee,NumberOfMonths)
{return log10(a-Math.sqrt(Math.pow(a,2)-(4*MonthlyFee/MonthlyInterestRate)*(LoanAmount+(MonthlyFee/MonthlyInterestRate))*Math.pow(1+MonthlyInterestRate,-NumberOfMonths-1)));}
function GECalculator_CalculateDenominatorPartOfU(MonthlyInterestRate)
{return log10((1+MonthlyInterestRate));}
function GECalculator_CalculateTreshold(MonthlyInterestRate,NumberOfMonths,u,MonthlyFee)
{var dblSmallerPeriodicInterestForMonths=GECalculator_CalculateSmallerPeriodicInterest(MonthlyInterestRate,NumberOfMonths);var dblSmallerPeriodicInterestForMonthsAndU=GECalculator_CalculateSmallerPeriodicInterest(MonthlyInterestRate,(NumberOfMonths-u));var dblSmallerPeriodicInterestForU=GECalculator_CalculateSmallerPeriodicInterest(MonthlyInterestRate,u);return 1001*dblSmallerPeriodicInterestForMonths/dblSmallerPeriodicInterestForMonthsAndU-(MonthlyFee/MonthlyInterestRate)*dblSmallerPeriodicInterestForU;}
function GECalculator_CalculateP(LoanAmount,MonthlyInterestRate,MonthlyFee,u,NumberOfMonths)
{var dblSmallerPeriodicInterestForU=GECalculator_CalculateSmallerPeriodicInterest(MonthlyInterestRate,u);if(NumberOfMonths<0)
{return MonthlyInterestRate*(LoanAmount-1001*Math.pow(1+MonthlyInterestRate,-u))/dblSmallerPeriodicInterestForU+MonthlyFee;}
else
{var dblSmallerPeriodicInterestForMonths=GECalculator_CalculateSmallerPeriodicInterest(MonthlyInterestRate,NumberOfMonths);return(MonthlyInterestRate*LoanAmount+MonthlyFee*dblSmallerPeriodicInterestForU)/dblSmallerPeriodicInterestForMonths;}}
function GECalculator_FinancingCostAfterTax(FinancingCost,PercentageDeductionAfterTax)
{return(FinancingCost*(1-PercentageDeductionAfterTax));}
function log10(x)
{return Math.log(x)/Math.log(10);}
function GECalculator_FormatToCurrency(nStr)
{nStr+='';x=nStr.split('.');x1=x[0];x2=x.length>1?'.'+x[1]:'';var rgx=/(\d+)(\d{3})/;while(rgx.test(x1)){x1=x1.replace(rgx,'$1'+'.'+'$2');}
return x1+x2+',-';}