|INTEREST.APL file, Copyright 1990 by David Denker|
z''=info:z'''=int((z''-int(z''/10000)*10000)/1000):if z'''<>1}2
dsp n" Sorry, the INTEREST.APL file will not work with MATHXR! ":wait4:quit
#2
title= LOANS & SAVINGS 
h'''=1
i=sloc:if i=0}1
if i>64}}if i<91}}i=i+32:if i>96}}if i<123}}k=i-97:call8:goto4
#1
digr6:digl6:boff:CALL5:xoff:aon:cls
x=9:i=0:j=0
windd wr(x)wc57r5c10bb1bf15b14f0;
 Amortization table. (can be printed)
 Effective earnings percentage rate.
 Information on selections.
 Loan interest rate. (from No. of payments and amount)
 Payments. (from Int. rate, Loan value & No. payments)
 Quit.
 Savings table. (can be printed)
;
#3:mon2:call60:moff:if r=0}4:if r=4}q:if r=5}c8
#4
on(j)g{100,150,500,200,300,9,400}:go3
#5:HEAD B0F13"  Select by the FIRST LETTER or use MOUSE or  CURSOR keys."
ret
#8:j=data k{1,0,0,0,2,0,0,0,3,0,0,4,0,0,0,5,6,0,7,0,0,0,0,0,0,0}:ret
#9:quit
#40
dsp n; Do you want a printout? (Y/N) ;:$p=inp{805}
if $p=;Y;}41,if $p=;YES;}41:ret
#41
pon:dsp n; Is the printer on? (Y/N) ;:$p=inp{806}
if $p=;Y;}r:if $p=;YES;}r:poff:ret
#50
hoff:cls:ret
#60
i=mloc:if i>9999}60
#61:k=kyck:if k<>0}62:I=MLOC:IF I>9999}}IF I<10079}66
i=mlin:if i=0}61:if i>99}64:if i>x-2}61:if i=j}61:j=i:goto63
#62:if k=13}65:if k=27}69
if k=272}}if j>0}}j=j-1:if k=280}}if j<x-2}}j=j+1
if k=275}67:if k=277}68:if k>64}}if k<91}}k=k+32:if k>96}}if k<123}70
#63:wlcc L(j)B6F15:goto61
#64:i=i-int(i/100)*100:j=i:i=mloc:if i>9999}}if i<10079}66
#65:r=0:ret
#66:r=1:ret:|top bar|
#67:r=2:ret:|<--|
#68:r=3:ret:|-->|
#69:r=4:ret:|ESC|
#70:r=5:k=k-97:ret:|A to Z|
#79:woff
#80
dsp nn; "M"enu, "R"edo, else quit! ;:i'=kyin:cls
if i'=77}1:if i'=109}1:if i'=82}4:if i'=114}4:quit
#90
i'=-1:gos92
DSP n; Enter interest rate %: ;:i'=inp{800}
if i'=-1}r:if i'<0}91:i'=i'*.01
dsp n; Enter total number of payments: ;:t'=inp{801}
if t'<1}91
dsp n; Enter number of payments per year: ;:n''=inp{802}
if n''<1}91
dsp n; Enter loan value: ;:v'=inp{803}
if v'=<0}91
p'=v'/((1-((1+i'/n'')^-t'))/(i'/n''))
hoff:ret
#91
i'=-2:hoff:ret
#92:head ; Hit Shift-F10 for help.;:ret
#100:call50:XOFF
DSP NN; AMORTIZATION TABLE:;N
call90:if i'=-1}1:if i'=-2}510:call40
n''=1:y''=1:r''=v':p''=0:i''=0:p'''=0:i'''=0
digl7:digr2:n'=1
head ; Hit ESC to quit table display and printing!;
dprn nn; Monthly payment = ;(p');

 Payment  Amount to   Amount to      Principal      Interest      Principal
  number  Principal   Interest        to date        to date      remaining
;n
#103
k''=kyck:if k''=27}1
if y''=y'''}104:digr0:digl3:dprn; Year;(y'')n:y'''=y''
#104
digr0:digl5:dprn (n'):n'=n'+1:n''=n''+1
digl7:digr2
i''=r''*i'/12:p''=p'-i'':p'''=p'''+p'':i'''=i'''+i'':r''=r''-p''
digl5
dprn(p'')(i'')
digl8:dprn(p''')(i''')(r'')n
if n''=13}}y''=y''+1:if n''=13}}n''=1
if n'<t'+1}103
goto80
#150
call50:s'=-99:xoff:call92
dsp n; EFFECTIVE EARNINGS RATE:;
dsp nn; Enter starting balance:;:s'=inp{807}
if s'=-99}1:if s'=0}520:if s'<0}520
dsp n; Enter ending balance:  ;:e'=inp{808}
if e'<0}520
dsp n; Enter deposits made:   ;:d'=inp{809}
if d'<0}520
dsp n; Enter No. of days involved: (Yr.=365) ;:y'=inp{810}
if y'=<0}520:hoff
m'=e'-s'-d':i=m'/s':c'=4
#151
m'=e'-s'-d'-d'/2*i:i=m'/s':c'=c'-1:if c'<>0}151
digr2:digl4
dsp n;
 Effective Earnings Percentage Rate = ;(i*100);%
 Effective  Yearly  Percentage Rate = ;(i/y'*365*100);%;n
goto80
#200
call50:n'=0:xoff:call92
DSP N; LOAN INTEREST RATE:;N
dsp n; Enter total number of payments: ;:n'=inp{801}
if n'<0}530:if n'=0}1
dsp n; Enter number of payments per year: ;:n''=inp{802}
if n''=<0}530
dsp n; Enter amount of each payment: ;:p'=inp{811}
t'=p':if p'=<0}530
dsp n; Enter loan amount: ;:p''=inp{803}
if p''=<0}530:c'=5:hoff
#201
i'=(n''*2*(p'*n'-p''))/(p''*(n'+1))
if c'=0}205:c'=c'-1
p'''=p''/((1-((1+i'/n'')^-n'))/(i'/n''))
p'=p'-(p'''-t')*.58:goto201
#205
digr2:digl2:dprn nn; Loan interest rate = ;(i'*100);%;
goto80
#300
digr2:digl7
call50
DSP NN; PAYMENTS for Loan:;N
call90:if i'=-1}1:if i'=-2}540:digr2:hoff
dsp nn; Monthly payment = ;(p')
goto80
#400
xoff:digr2:koff:woff:b'=-1:gos92
dsp n; SAVINGS ACCOUNT TABLE:;
dsp nn; Enter starting balance: ;:b'=inp{812}
if b'=-1}1:if b'<0}550
dsp n; Enter interest rate: ;:i'=inp{800}
if i'<0}550:i'=i'*.01
dsp n; Enter number of years: ;:y''=inp{813}
if y''<1}550
head ; Select by the letter!  Hit shift-F10 for help.;
dsp n; Enter interest compound rate:
   "Y"early
   "S"emi-annually
   "Q"uarterly
   "M"onthly
   "D"aily ;n
#401:$r=inp(1){814}:i''=0
if $r="Y"}}i''=1
if $r="S"}}i''=2
if $r="Q"}}i''=4
if $r="M"}}i''=12
if $r="D"}}i''=365
if i''<>0}402:beep:dsp o" "o:goto401
#402:
i=i'/i''
dsp n; Enter deposit rate:
   "N"one
   "Y"early
   "M"onthly
   "W"eekly ;n
#403:$c=inp(1){814}:r'=0
if $c="N"}}r'=400
if $c="Y"}}r'=366
if $c="M"}}r'=32
if $c="W"}}r'=8
if r'<>0}406:beep:dsp o" "o:goto403
#406
gos92
c'=0:if $c="N"}407
dsp n; Enter deposit amount: ;:c'=inp{815}
if c'<0}550
#407
head ; Select by the letter!  Hit shift-F10 for help.;
dsp nn; Enter table print and/or display period:
   "E"nding ballance only
   "Y"early ballance
   "M"onthly ballance
   "W"eekly ballance ;n
#410:$p=inp(1){814}:p'=0
if $p="E"}}p'=400
if $p="Y"}}p'=366
if $p="M"}}p'=32
if $p="W"}}p'=8
if p'<>0}411:beep:dsp o" "o:goto410
#411
$p=;1 Week;:if p'=8}412
$p=;1 Month;:if p'=32}412
$p=;1 Year;
#412:gos92
dsp n; Do you want a printout? (Y/N) ;:$a=inp(1){805}
if $a<>"Y"}415
dsp n; Is the printer on? (Y/N) ;:$a=inp(1){806}:if $a<>"Y"}415
pon
#415
head ; Hit ESC to quit table display and printing!;
i'''=0:c''=0:q'=91:y'=1:p''=1:m'=32:n'=1:x''=0:m'''=1:q'''=1:m''=1:q''=1
t'=0:t''=0:d'=1:n''=1:n'''=1:b''=0:if p'=400}416
dprn nn;
 Starting Balance = ;(b');
 Interest rate = ;(i'*100);%
 Each period = ;$p;
                                       Interest      Deposits
 Period    Interest     Deposit        to date       to date        Balance;n
goto420
|  p''          i'''      c''        t'           t''          b' |
#416
dprn nn;
 Starting Balance = ;(b');
 Interest rate = ;(i'*100);%

        Total           Total           Ending
       Interest        Deposits        Balance;n
GOTO420
#417
z'=kyck:if z'=27}79
if i''=365}449
if i''=12}}if n'=m'}450
if i''=4}}if n'=q'}450
if i''=2}}if n'=182}450
if i''=1}}if n'=366}450
go421
#420
windd wr3wc12r3c32;
 WORKING! ;
#421
if r'=n''}c452:if n'''=p'}c465
if m'<>m''}422:m'''=m'''+1:if m'''=13}}m'''=1
m'=data m'''{0,32,29,32,31,32,31,32,32,31,32,31,32}
if p'>27}}if p'<33}}p'=m':m''=1
#422
if q'<>q''}424:q'''=q'''+1:if q'''=5}}q'''=1
q'=data q'''{0,91,92,93,93}
#424
n'=n'+1:n''=n''+1:m''=m''+1:q''=q''+1:d'=d'+1:n'''=n'''+1
if d'<>367}417:d'=2:n''=1:p''=1
if n'''>365}}n'''=1:if y'=>y''}430:y'=y'+1:goto417

#430:woff:if p'=400}c470:goto80

#449
b'=b'+b'':b''=0
#450
z'=b'*i+x'':b'=b'+z'+b'':i'''=i'''+z':n'=1:x''=0:b''=0:goto421

#452
b''=b''+c':c''=c''+c':if i''=365}460
if i''<>12}454:x'=m'-n':goto459
#454
if i''<>4}456:x'=q'-n':goto459
#456
if i''<>2}458:x'=182-n':goto459
#458
x'=366-n'
#459
x''=x''+x'*(i'/365)*c'
#460
n''=1:ret
#465
t'=t'+i''':t''=t''+c''
if p''<>1}466:digl3:digr0:dprn; Year;(y')n
#466
woff
digr0:digl2
dprn (p'')
digr2:digl8
dprn(i'''):digl6
dprn(c''):digl8
dprn(t'):digl7
dprn(t''):digl9
dprn(b'+b'')n
p''=p''+1:n'''=1:c''=0:i'''=0
windd
ret
#470
t'=t'+i''':t''=t''+c''
digr2:digl9:dprn (t')(t'')(b')n
ret
#500
hoff:if h'''=0}502:h'''=0
windd wr11wc49r5c15bb4bf15b14f0; DISCLAIMER: 
    Even though I have tested all calculations
 and  believe them to be accurate,  I  do  not
 guarantee their accuracy.   Your  use  of the
 information  provided  by  this program is at
 your own risk.  If you are using this program
 to make important decisions,  I  suggest  you
 also consider contacting a financial planning
 professional.
;f4;    Hit any key or mouse button to continue.
;
#501
mon2:x=mloc:if x>9999}501:wait50
#502
x=7:i=0:j=0:call505
windd wr(x)wc28r5c21bb1bf15b14f0; For INFORMATION on: 
 Amortization table.
 Effective earnings rate.
 Loan interest rate.
 Payments on loan.
 Savings table.
;
#503:mon2:call60:moff:if r=0}504:if r=4}q:if r=5}c508
#504
on(j)g{510,520,530,540,550}:goto1
#505
HEAD B0F13"  Select by the FIRST LETTER or use MOUSE or  CURSOR keys.":ret
#508:j=data k{1,0,0,0,2,0,0,0,0,0,0,3,0,0,0,4,0,0,5,0,0,0,0,0,0,0}:ret
#510
cls
wind wr22wc78" Amortization table information: 

 The amortization table will need the following information:
    Interest rate %              (for 10.5% enter 10.5)
    Total number of payments     (for 3 years of monthly payments enter 36)
    Number of payments per year  (for monthly payments enter 12)
    Loan principal               (the amount of the loan)
    Do you want a printout?      (if yes enter Y and hit the ENTER key)
 Note:  Do not enter negitive numbers;  you will get this information.
        In some cases entering 0 is also not allowed.

 From the above information, the amount of your payments will be shown at
 the beginning of the table and will be printed and/or displayed with the
 following information for each payment:
    Payment number         (starting with number 1)
    Amount to Principal    (the part of the payment going to principal)
    Amount to Interest     (the part of the payment going to interest)
    Principal to date      (total principal paid to date)
    Interest to date       (total interest paid to date)
    Principal remaining    (amount of loan remaining to be payed)
"
#515
head; Hit any key or mouse button to return to the main menu. ;
mon:i=kyin:moff:woff:goto1
#520
cls:wind wr22wc78" Effective earnings rate information: 

 Needs the following information.
    Starting balance        (Do not start with 0! Any percentage of 0 is 0)
    Ending balance          (including deposits)
    Deposits made           (total deposits made between start and end)
    Number of days involved (must be greater then 0, if 1 year enter 365)
 Note:  Do not enter negitive numbers;  you will get this information.

 Returns the following information.
    Effective earnings percentage rate  (one time earnings rate)
    Effective yearly percentage rate    (non-compound rate per year)
        (Effective earnings rate divided by years involved)

  Note:  The effective earnings rate is calculated assuming that all
        deposits are made evenly throughout the time period involved.
        If you do not make the deposits evenly, then I suggest you
        leave the deposits out of the data and get your effective
        earnings rate during the time periods between deposits.
        This will give you the most accurate information.
"nn:goto515
#530
cls:wind wr22wc78" Loan Interest Rate information: 

 Needs the following information.
    Number of payments            (Total number of payments)
    Number of payments each year  (If monthly enter 12)
    Amount of each payment
    Loan principal                (the amount of the loan)
 Note:  Do not enter negitive numbers or 0;  you will get this information.

 Returns the loan annual interest rate.
"nnnnnnnnnnn:goto515
#540
cls
wind wr22wc78 " Loan Payments information: 

 Needs the following information:
    Interest rate %              (for 10.5% enter 10.5)
    Total number of payments     (for 3 yrs. of monthly payments enter 3*12)
    Number of payments per year  (for monthly payments enter 12)
    Loan principal               (the amount of the loan)
 Note:  Do not enter negitive numbers;  you will get this information.
        In some cases entering 0 is also not allowed.

 Returns the amount of each payment.
"nnnnnnnnnn:goto515
#550
cls
wind wr22wc78" Saving Table information: 

 Needs the following information:
    Starting Balance           (If none enter 0)
    Interest rate              (For 6% enter 6)
    Number of years            (The years to be calculated, 1 or more)
    Compound rate              (Yearly, semi-annually, quarterly, monthly)
    Deposit rate               (Yearly, monthly, weekly)
    Deposit amount             (Amount each deposit will be, can be 0)
    Print and/or display rate  (End balance only, yearly, monthly, weekly)
    Do you want a printout?    (If yes enter Y and hit ENTER)
 Note:  Do not enter negitive numbers;  you will get this information.

 Prints and/or Displays the following information: (or end balances only)
    Year number                    (Starting with year 1)
    Display period                 (Starts at 1 each year)
    Amount of deposit per period   (Total made during this display period)
    Amount of interest per period  (Total made during this display period)
    Total deposit to date          (As of the end of the current period)
    Total interest to date         (As of the end of the current period)
    Balance per period             (As of the end of the current period)
":goto515
#800:windd wr7wc36r6c20;
 Enter the  interest rate  but do
 not enter the  %  character.  If
 the interest rate is 10.5% enter
 10.5 and hit the ENTER key.
    Hit any key to continue.;
wait40:woff:quit
#801:windd wr8wc29r6c25;
 Enter the total number of
 payments  over the length
 of the loan.  If you make
 monthly payments for four
 years, enter 48 or 4*12.
  Hit any key to continue.;
wait40:woff:quit
#802:windd wr7wc32r6c23;
 Enter the number of payments
 you will make each year.  If
 you  make  monthly payments,
 enter 12.
   Hit any key to continue.;
wait40:woff:quit
#803:windd wr5wc29r7c25;
 Enter the total amount of
 the loan.
  Hit any key to continue.;
wait40:woff:quit
#805:windd wr8wc42r6c18;
 If you want a printout on the printer,
 hit the Y key.   If not hit the N key.
 If you want a printout,  make sure the
 printer  is  turned  on  and  there is
 paper in the printer.
    Hit any key to continue.;
wait40:woff:quit
#806:windd wr7wc42r6c18;
 If  the  printer  is  on  and ready to
 print, enter Y.  If not or you changed
 your mind and do not want  a  printout
 enter N, then hit the ENTER key.
    Hit any key to continue.;
wait40:woff:quit
#807:windd wr8wc38r6c20;
 Enter the  amount  you had in your
 account at the start of the period
 you  want  to  know  the effective
 earnings percentage rate for.   Do
 not enter 0.  (100% of 0 is 0)
    Hit any key to continue.;
wait40:woff:quit
#808:windd wr7wc36r6c21;
 Enter the amount you had in your
 account at the end of the period
 you want to know  the  effective
 earnings rate for.  
    Hit any key to continue.;
wait40:woff:quit
#809:windd wr7wc45r6c17;
 Enter  the  total amount of deposits made
 to your account  during  the  period  you
 you want to know  the  effective earnings
 rate for.
    Hit any key to continue.;
wait40:woff:quit
#810:windd wr6wc45r6c17;
 Enter  the  total  number of days between
 the start and end of the earnings  period.
 If it was exactly one year, enter 365.
    Hit any key to continue.;
wait40:woff:quit
#811:windd wr6wc41r6c19;
 You should be making the same payment
 amount  each  loan pay period.  Enter
 that amount here.
    Hit any key to continue.;
wait40:woff:quit
#812:windd wr7wc39r6c20;
 Enter the  amount  you  had in your
 account at the start of the  period
 you want the savings table for.  If
 you start with nothing, enter 0.
    Hit any key to continue.;
wait40:woff:quit
#813:windd wr6wc38r6c20;
 Enter the number of years you want
 the savings table  calculated for.
 This must be in whole years.
    Hit any key to continue.;
wait40:woff:quit
#814:windd wr6wc37r6c21;
 Pick  from  the  selections given
 by entering the  first  character
 of the selection you want to use.
    Hit any key to continue.;
wait40:woff:quit
#815:windd wr9wc37r6c21;
 Enter the amount of each deposit.
 This program uses the same amount
 for all deposits made during  the
 term of the savings table.  So if
 you  are  going to enter $50 each
 deposit period, enter 50 here.
    Hit any key to continue.;
wait40:woff:quit