[bpt/emacs.git] / lisp / calc / calc-fin.el

;;; calc-fin.el --- financial functions for Calc

;; Copyright (C) 1990-1993, 2001-2014 Free Software Foundation, Inc.

;; Author: David Gillespie <daveg@synaptics.com>
;; Maintainer: Jay Belanger <jay.p.belanger@gmail.com>

;; This file is part of GNU Emacs.

;; GNU Emacs is free software: you can redistribute it and/or modify
;; it under the terms of the GNU General Public License as published by
;; the Free Software Foundation, either version 3 of the License, or
;; (at your option) any later version.

;; GNU Emacs is distributed in the hope that it will be useful,
;; but WITHOUT ANY WARRANTY; without even the implied warranty of
;; MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE.  See the
;; GNU General Public License for more details.

;; You should have received a copy of the GNU General Public License
;; along with GNU Emacs.  If not, see <http://www.gnu.org/licenses/>.

;;; Commentary:

;;; Code:

;; This file is autoloaded from calc-ext.el.

(require 'calc-ext)
(require 'calc-macs)

;;; Financial functions.

(defun calc-fin-pv ()
  (interactive)
  (calc-slow-wrapper
   (if (calc-is-hyperbolic)
       (calc-enter-result 3 "pvl" (cons 'calcFunc-pvl (calc-top-list-n 3)))
     (if (calc-is-inverse)
	 (calc-enter-result 3 "pvb" (cons 'calcFunc-pvb (calc-top-list-n 3)))
       (calc-enter-result 3 "pv" (cons 'calcFunc-pv (calc-top-list-n 3)))))))

(defun calc-fin-npv (arg)
  (interactive "p")
  (calc-slow-wrapper
   (if (calc-is-inverse)
       (calc-vector-op "npvb" 'calcFunc-npvb (1+ arg))
     (calc-vector-op "npv" 'calcFunc-npv (1+ arg)))))

(defun calc-fin-fv ()
  (interactive)
  (calc-slow-wrapper
   (if (calc-is-hyperbolic)
       (calc-enter-result 3 "fvl" (cons 'calcFunc-fvl (calc-top-list-n 3)))
     (if (calc-is-inverse)
	 (calc-enter-result 3 "fvb" (cons 'calcFunc-fvb (calc-top-list-n 3)))
       (calc-enter-result 3 "fv" (cons 'calcFunc-fv (calc-top-list-n 3)))))))

(defun calc-fin-pmt ()
  (interactive)
  (calc-slow-wrapper
   (if (calc-is-hyperbolic)
       (calc-enter-result 3 "fvl" (cons 'calcFunc-fvl (calc-top-list-n 3)))
     (if (calc-is-inverse)
	 (calc-enter-result 3 "pmtb" (cons 'calcFunc-pmtb (calc-top-list-n 3)))
       (calc-enter-result 3 "pmt" (cons 'calcFunc-pmt (calc-top-list-n 3)))))))

(defun calc-fin-nper ()
  (interactive)
  (calc-slow-wrapper
   (if (calc-is-hyperbolic)
       (calc-enter-result 3 "nprl" (cons 'calcFunc-nperl (calc-top-list-n 3)))
     (if (calc-is-inverse)
	 (calc-enter-result 3 "nprb" (cons 'calcFunc-nperb
					   (calc-top-list-n 3)))
       (calc-enter-result 3 "nper" (cons 'calcFunc-nper
					 (calc-top-list-n 3)))))))

(defun calc-fin-rate ()
  (interactive)
  (calc-slow-wrapper
   (calc-pop-push-record 3
			 (if (calc-is-hyperbolic) "ratl"
			   (if (calc-is-inverse) "ratb" "rate"))
			 (calc-to-percentage
			  (calc-normalize
			   (cons (if (calc-is-hyperbolic) 'calcFunc-ratel
				   (if (calc-is-hyperbolic) 'calcFunc-rateb
				     'calcFunc-rate))
				 (calc-top-list-n 3)))))))

(defun calc-fin-irr (arg)
  (interactive "P")
  (calc-slow-wrapper
   (if (calc-is-inverse)
       (calc-vector-op "irrb" 'calcFunc-irrb arg)
     (calc-vector-op "irr" 'calcFunc-irr arg))))

(defun calc-fin-sln ()
  (interactive)
  (calc-slow-wrapper
   (calc-enter-result 3 "sln" (cons 'calcFunc-sln (calc-top-list-n 3)))))

(defun calc-fin-syd ()
  (interactive)
  (calc-slow-wrapper
   (calc-enter-result 4 "syd" (cons 'calcFunc-syd (calc-top-list-n 4)))))

(defun calc-fin-ddb ()
  (interactive)
  (calc-slow-wrapper
   (calc-enter-result 4 "ddb" (cons 'calcFunc-ddb (calc-top-list-n 4)))))


(defun calc-to-percentage (x)
  (cond ((Math-objectp x)
	 (setq x (math-mul x 100))
	 (if (Math-num-integerp x)
	     (setq x (math-trunc x)))
	 (list 'calcFunc-percent x))
	((Math-vectorp x)
	 (cons 'vec (mapcar 'calc-to-percentage (cdr x))))
	(t x)))

(defun calc-convert-percent ()
  (interactive)
  (calc-slow-wrapper
   (calc-pop-push-record 1 "c%" (calc-to-percentage (calc-top-n 1)))))

(defun calc-percent-change ()
  (interactive)
  (calc-slow-wrapper
   (let ((res (calc-normalize (cons 'calcFunc-relch (calc-top-list 2)))))
     (calc-pop-push-record 2 "%ch" (calc-to-percentage res)))))


;;; Financial functions.

(defun calcFunc-pv (rate num amount &optional lump)
  (math-check-financial rate num)
  (math-with-extra-prec 2
    (let ((p (math-pow (math-add 1 rate) num)))
      (math-add (math-mul amount
			  (math-div (math-sub 1 (math-div 1 p))
				    rate))
		(math-div (or lump 0) p)))))
(put 'calcFunc-pv 'math-expandable t)

(defun calcFunc-pvl (rate num amount)
  (calcFunc-pv rate num 0 amount))
(put 'calcFunc-pvl 'math-expandable t)

(defun calcFunc-pvb (rate num amount &optional lump)
  (math-check-financial rate num)
  (math-with-extra-prec 2
    (let* ((p (math-pow (math-add 1 rate) num)))
      (math-add (math-mul amount
			  (math-div (math-mul (math-sub 1 (math-div 1 p))
					      (math-add 1 rate))
				    rate))
		(math-div (or lump 0) p)))))
(put 'calcFunc-pvb 'math-expandable t)

(defun calcFunc-npv (rate &rest flows)
  (math-check-financial rate 1)
  (math-with-extra-prec 2
    (let* ((flat (math-flatten-many-vecs flows))
	   (pp (math-add 1 rate))
	   (p pp)
	   (accum 0))
      (while (setq flat (cdr flat))
	(setq accum (math-add accum (math-div (car flat) p))
	      p (math-mul p pp)))
      accum)))
(put 'calcFunc-npv 'math-expandable t)

(defun calcFunc-npvb (rate &rest flows)
  (math-check-financial rate 1)
  (math-with-extra-prec 2
    (let* ((flat (math-flatten-many-vecs flows))
	   (pp (math-add 1 rate))
	   (p 1)
	   (accum 0))
      (while (setq flat (cdr flat))
	(setq accum (math-add accum (math-div (car flat) p))
	      p (math-mul p pp)))
      accum)))
(put 'calcFunc-npvb 'math-expandable t)

(defun calcFunc-fv (rate num amount &optional initial)
  (math-check-financial rate num)
  (math-with-extra-prec 2
    (let ((p (math-pow (math-add 1 rate) num)))
      (math-add (math-mul amount
			  (math-div (math-sub p 1)
				    rate))
		(math-mul (or initial 0) p)))))
(put 'calcFunc-fv 'math-expandable t)

(defun calcFunc-fvl (rate num amount)
  (calcFunc-fv rate num 0 amount))
(put 'calcFunc-fvl 'math-expandable t)

(defun calcFunc-fvb (rate num amount &optional initial)
  (math-check-financial rate num)
  (math-with-extra-prec 2
    (let ((p (math-pow (math-add 1 rate) num)))
      (math-add (math-mul amount
			  (math-div (math-mul (math-sub p 1)
					      (math-add 1 rate))
				    rate))
		(math-mul (or initial 0) p)))))
(put 'calcFunc-fvb 'math-expandable t)

(defun calcFunc-pmt (rate num amount &optional lump)
  (math-check-financial rate num)
  (math-with-extra-prec 2
    (let ((p (math-pow (math-add 1 rate) num)))
      (math-div (math-mul (math-sub amount
				    (math-div (or lump 0) p))
			  rate)
		(math-sub 1 (math-div 1 p))))))
(put 'calcFunc-pmt 'math-expandable t)

(defun calcFunc-pmtb (rate num amount &optional lump)
  (math-check-financial rate num)
  (math-with-extra-prec 2
    (let ((p (math-pow (math-add 1 rate) num)))
      (math-div (math-mul (math-sub amount (math-div (or lump 0) p)) rate)
		(math-mul (math-sub 1 (math-div 1 p))
			  (math-add 1 rate))))))
(put 'calcFunc-pmtb 'math-expandable t)

(defun calcFunc-nper (rate pmt amount &optional lump)
  (math-compute-nper rate pmt amount lump nil))
(put 'calcFunc-nper 'math-expandable t)

(defun calcFunc-nperb (rate pmt amount &optional lump)
  (math-compute-nper rate pmt amount lump 'b))
(put 'calcFunc-nperb 'math-expandable t)

(defun calcFunc-nperl (rate pmt amount)
  (math-compute-nper rate pmt amount nil 'l))
(put 'calcFunc-nperl 'math-expandable t)

(defun math-compute-nper (rate pmt amount lump bflag)
  (and lump (math-zerop lump)
       (setq lump nil))
  (and lump (math-zerop pmt)
       (setq amount lump
	     lump nil
	     bflag 'l))
  (or (math-objectp rate) (and math-expand-formulas (null lump))
      (math-reject-arg rate 'numberp))
  (and (math-zerop rate)
       (math-reject-arg rate 'nonzerop))
  (or (math-objectp pmt) (and math-expand-formulas (null lump))
      (math-reject-arg pmt 'numberp))
  (or (math-objectp amount) (and math-expand-formulas (null lump))
      (math-reject-arg amount 'numberp))
  (if lump
      (progn
	(or (math-objectp lump)
	    (math-reject-arg lump 'numberp))
	(let ((root (math-find-root (list 'calcFunc-eq
					  (list (if bflag
						    'calcFunc-pvb
						  'calcFunc-pv)
						rate
						'(var DUMMY var-DUMMY)
						pmt
						lump)
					  amount)
				    '(var DUMMY var-DUMMY)
				    '(intv 3 0 100)
				    t)))
	  (if (math-vectorp root)
	      (nth 1 root)
	    root)))
    (math-with-extra-prec 2
      (let ((temp (if (eq bflag 'l)
		      (math-div amount pmt)
		    (math-sub 1 (math-div (math-mul amount rate)
					  (if bflag
					      (math-mul pmt (math-add 1 rate))
					    pmt))))))
	(if (or (math-posp temp) math-expand-formulas)
	    (math-neg (calcFunc-log temp (math-add 1 rate)))
	  (math-reject-arg pmt "*Payment too small to cover interest rate"))))))

(defun calcFunc-rate (num pmt amount &optional lump)
  (math-compute-rate num pmt amount lump 'calcFunc-pv))

(defun calcFunc-rateb (num pmt amount &optional lump)
  (math-compute-rate num pmt amount lump 'calcFunc-pvb))

(defun math-compute-rate (num pmt amount lump func)
  (or (math-objectp num)
      (math-reject-arg num 'numberp))
  (or (math-objectp pmt)
      (math-reject-arg pmt 'numberp))
  (or (math-objectp amount)
      (math-reject-arg amount 'numberp))
  (or (null lump)
      (math-objectp lump)
      (math-reject-arg lump 'numberp))
  (let ((root (math-find-root (list 'calcFunc-eq
				    (list func
					  '(var DUMMY var-DUMMY)
					  num
					  pmt
					  (or lump 0))
				    amount)
			      '(var DUMMY var-DUMMY)
			      '(intv 3 (float 1 -4) 1)
			      t)))
    (if (math-vectorp root)
	(nth 1 root)
      root)))

(defun calcFunc-ratel (num pmt amount)
  (or (math-objectp num) math-expand-formulas
      (math-reject-arg num 'numberp))
  (or (math-objectp pmt) math-expand-formulas
      (math-reject-arg pmt 'numberp))
  (or (math-objectp amount) math-expand-formulas
      (math-reject-arg amount 'numberp))
  (math-with-extra-prec 2
    (math-sub (math-pow (math-div pmt amount) (math-div 1 num)) 1)))

(defun calcFunc-irr (&rest vecs)
  (math-compute-irr vecs 'calcFunc-npv))

(defun calcFunc-irrb (&rest vecs)
  (math-compute-irr vecs 'calcFunc-npvb))

(defun math-compute-irr (vecs func)
  (let* ((flat (math-flatten-many-vecs vecs))
	 (root (math-find-root (list func
				     '(var DUMMY var-DUMMY)
				     flat)
			       '(var DUMMY var-DUMMY)
			       '(intv 3 (float 1 -4) 1)
			       t)))
    (if (math-vectorp root)
	(nth 1 root)
      root)))

(defun math-check-financial (rate num)
  (or (math-objectp rate) math-expand-formulas
      (math-reject-arg rate 'numberp))
  (and (math-zerop rate)
       (math-reject-arg rate 'nonzerop))
  (or (math-objectp num) math-expand-formulas
      (math-reject-arg num 'numberp)))


(defun calcFunc-sln (cost salvage life &optional period)
  (or (math-realp cost) math-expand-formulas
      (math-reject-arg cost 'realp))
  (or (math-realp salvage) math-expand-formulas
      (math-reject-arg salvage 'realp))
  (or (math-realp life) math-expand-formulas
      (math-reject-arg life 'realp))
  (if (math-zerop life) (math-reject-arg life 'nonzerop))
  (if (and period
	   (if (math-num-integerp period)
	       (or (Math-lessp life period) (not (math-posp period)))
	     (math-reject-arg period 'integerp)))
      0
    (math-div (math-sub cost salvage) life)))
(put 'calcFunc-sln 'math-expandable t)

(defun calcFunc-syd (cost salvage life period)
  (or (math-realp cost) math-expand-formulas
      (math-reject-arg cost 'realp))
  (or (math-realp salvage) math-expand-formulas
      (math-reject-arg salvage 'realp))
  (or (math-realp life) math-expand-formulas
      (math-reject-arg life 'realp))
  (if (math-zerop life) (math-reject-arg life 'nonzerop))
  (or (math-realp period) math-expand-formulas
      (math-reject-arg period 'realp))
  (if (or (Math-lessp life period) (not (math-posp period)))
      0
    (math-div (math-mul (math-sub cost salvage)
			(math-add (math-sub life period) 1))
	      (math-div (math-mul life (math-add life 1)) 2))))
(put 'calcFunc-syd 'math-expandable t)

(defun calcFunc-ddb (cost salvage life period)
  (if (math-messy-integerp period) (setq period (math-trunc period)))
  (or (integerp period) (math-reject-arg period 'fixnump))
  (or (math-realp cost) (math-reject-arg cost 'realp))
  (or (math-realp salvage) (math-reject-arg salvage 'realp))
  (or (math-realp life) (math-reject-arg life 'realp))
  (if (math-zerop life) (math-reject-arg life 'nonzerop))
  (if (or (Math-lessp life period) (<= period 0))
      0
    (let ((book cost)
	  (res 0))
      (while (>= (setq period (1- period)) 0)
	(setq res (math-div (math-mul book 2) life)
	      book (math-sub book res))
	(if (Math-lessp book salvage)
	    (setq res (math-add res (math-sub book salvage))
		  book salvage)))
      res)))

(provide 'calc-fin)

;;; calc-fin.el ends here
Commit	Line	Data
3132f345 CW	1	;;; calc-fin.el --- financial functions for Calc
3132f345 CW	2
ba318903	3	;; Copyright (C) 1990-1993, 2001-2014 Free Software Foundation, Inc.
3132f345 CW	4
3132f345 CW	5	;; Author: David Gillespie <daveg@synaptics.com>
e8fff8ed	6	;; Maintainer: Jay Belanger <jay.p.belanger@gmail.com>
136211a9 EZ	7
	8	;; This file is part of GNU Emacs.
	9
662c9c64	10	;; GNU Emacs is free software: you can redistribute it and/or modify
7c671b23	11	;; it under the terms of the GNU General Public License as published by
662c9c64 GM	12	;; the Free Software Foundation, either version 3 of the License, or
662c9c64 GM	13	;; (at your option) any later version.
7c671b23	14
136211a9	15	;; GNU Emacs is distributed in the hope that it will be useful,
7c671b23 GM	16	;; but WITHOUT ANY WARRANTY; without even the implied warranty of
	17	;; MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the
	18	;; GNU General Public License for more details.
	19
	20	;; You should have received a copy of the GNU General Public License
662c9c64	21	;; along with GNU Emacs. If not, see <http://www.gnu.org/licenses/>.
136211a9	22
3132f345	23	;;; Commentary:
136211a9	24
3132f345	25	;;; Code:
136211a9 EZ	26
136211a9 EZ	27	;; This file is autoloaded from calc-ext.el.
136211a9	28
7bd61134	29	(require 'calc-ext)
136211a9 EZ	30	(require 'calc-macs)
136211a9 EZ	31
136211a9 EZ	32	;;; Financial functions.
	33
	34	(defun calc-fin-pv ()
	35	(interactive)
	36	(calc-slow-wrapper
	37	(if (calc-is-hyperbolic)
	38	(calc-enter-result 3 "pvl" (cons 'calcFunc-pvl (calc-top-list-n 3)))
	39	(if (calc-is-inverse)
	40	(calc-enter-result 3 "pvb" (cons 'calcFunc-pvb (calc-top-list-n 3)))
bf77c646	41	(calc-enter-result 3 "pv" (cons 'calcFunc-pv (calc-top-list-n 3)))))))
136211a9 EZ	42
	43	(defun calc-fin-npv (arg)
	44	(interactive "p")
	45	(calc-slow-wrapper
	46	(if (calc-is-inverse)
	47	(calc-vector-op "npvb" 'calcFunc-npvb (1+ arg))
bf77c646	48	(calc-vector-op "npv" 'calcFunc-npv (1+ arg)))))
136211a9 EZ	49
	50	(defun calc-fin-fv ()
	51	(interactive)
	52	(calc-slow-wrapper
	53	(if (calc-is-hyperbolic)
	54	(calc-enter-result 3 "fvl" (cons 'calcFunc-fvl (calc-top-list-n 3)))
	55	(if (calc-is-inverse)
	56	(calc-enter-result 3 "fvb" (cons 'calcFunc-fvb (calc-top-list-n 3)))
bf77c646	57	(calc-enter-result 3 "fv" (cons 'calcFunc-fv (calc-top-list-n 3)))))))
136211a9 EZ	58
	59	(defun calc-fin-pmt ()
	60	(interactive)
	61	(calc-slow-wrapper
	62	(if (calc-is-hyperbolic)
	63	(calc-enter-result 3 "fvl" (cons 'calcFunc-fvl (calc-top-list-n 3)))
	64	(if (calc-is-inverse)
	65	(calc-enter-result 3 "pmtb" (cons 'calcFunc-pmtb (calc-top-list-n 3)))
bf77c646	66	(calc-enter-result 3 "pmt" (cons 'calcFunc-pmt (calc-top-list-n 3)))))))
136211a9 EZ	67
	68	(defun calc-fin-nper ()
	69	(interactive)
	70	(calc-slow-wrapper
	71	(if (calc-is-hyperbolic)
	72	(calc-enter-result 3 "nprl" (cons 'calcFunc-nperl (calc-top-list-n 3)))
	73	(if (calc-is-inverse)
	74	(calc-enter-result 3 "nprb" (cons 'calcFunc-nperb
	75	(calc-top-list-n 3)))
	76	(calc-enter-result 3 "nper" (cons 'calcFunc-nper
bf77c646	77	(calc-top-list-n 3)))))))
136211a9 EZ	78
	79	(defun calc-fin-rate ()
	80	(interactive)
	81	(calc-slow-wrapper
	82	(calc-pop-push-record 3
	83	(if (calc-is-hyperbolic) "ratl"
	84	(if (calc-is-inverse) "ratb" "rate"))
	85	(calc-to-percentage
	86	(calc-normalize
	87	(cons (if (calc-is-hyperbolic) 'calcFunc-ratel
	88	(if (calc-is-hyperbolic) 'calcFunc-rateb
	89	'calcFunc-rate))
bf77c646	90	(calc-top-list-n 3)))))))
136211a9 EZ	91
	92	(defun calc-fin-irr (arg)
	93	(interactive "P")
	94	(calc-slow-wrapper
	95	(if (calc-is-inverse)
	96	(calc-vector-op "irrb" 'calcFunc-irrb arg)
bf77c646	97	(calc-vector-op "irr" 'calcFunc-irr arg))))
136211a9 EZ	98
	99	(defun calc-fin-sln ()
	100	(interactive)
	101	(calc-slow-wrapper
bf77c646	102	(calc-enter-result 3 "sln" (cons 'calcFunc-sln (calc-top-list-n 3)))))
136211a9 EZ	103
	104	(defun calc-fin-syd ()
	105	(interactive)
	106	(calc-slow-wrapper
bf77c646	107	(calc-enter-result 4 "syd" (cons 'calcFunc-syd (calc-top-list-n 4)))))
136211a9 EZ	108
	109	(defun calc-fin-ddb ()
	110	(interactive)
	111	(calc-slow-wrapper
bf77c646	112	(calc-enter-result 4 "ddb" (cons 'calcFunc-ddb (calc-top-list-n 4)))))
136211a9 EZ	113
	114
	115	(defun calc-to-percentage (x)
	116	(cond ((Math-objectp x)
	117	(setq x (math-mul x 100))
	118	(if (Math-num-integerp x)
	119	(setq x (math-trunc x)))
	120	(list 'calcFunc-percent x))
	121	((Math-vectorp x)
	122	(cons 'vec (mapcar 'calc-to-percentage (cdr x))))
bf77c646	123	(t x)))
136211a9 EZ	124
	125	(defun calc-convert-percent ()
	126	(interactive)
	127	(calc-slow-wrapper
bf77c646	128	(calc-pop-push-record 1 "c%" (calc-to-percentage (calc-top-n 1)))))
136211a9 EZ	129
	130	(defun calc-percent-change ()
	131	(interactive)
	132	(calc-slow-wrapper
	133	(let ((res (calc-normalize (cons 'calcFunc-relch (calc-top-list 2)))))
bf77c646	134	(calc-pop-push-record 2 "%ch" (calc-to-percentage res)))))
136211a9 EZ	135
	136
	137	;;; Financial functions.
	138
	139	(defun calcFunc-pv (rate num amount &optional lump)
	140	(math-check-financial rate num)
	141	(math-with-extra-prec 2
	142	(let ((p (math-pow (math-add 1 rate) num)))
	143	(math-add (math-mul amount
	144	(math-div (math-sub 1 (math-div 1 p))
	145	rate))
bf77c646	146	(math-div (or lump 0) p)))))
136211a9 EZ	147	(put 'calcFunc-pv 'math-expandable t)
	148
	149	(defun calcFunc-pvl (rate num amount)
bf77c646	150	(calcFunc-pv rate num 0 amount))
136211a9 EZ	151	(put 'calcFunc-pvl 'math-expandable t)
	152
	153	(defun calcFunc-pvb (rate num amount &optional lump)
	154	(math-check-financial rate num)
	155	(math-with-extra-prec 2
	156	(let* ((p (math-pow (math-add 1 rate) num)))
	157	(math-add (math-mul amount
	158	(math-div (math-mul (math-sub 1 (math-div 1 p))
	159	(math-add 1 rate))
	160	rate))
bf77c646	161	(math-div (or lump 0) p)))))
136211a9 EZ	162	(put 'calcFunc-pvb 'math-expandable t)
	163
	164	(defun calcFunc-npv (rate &rest flows)
	165	(math-check-financial rate 1)
	166	(math-with-extra-prec 2
	167	(let* ((flat (math-flatten-many-vecs flows))
	168	(pp (math-add 1 rate))
	169	(p pp)
	170	(accum 0))
	171	(while (setq flat (cdr flat))
	172	(setq accum (math-add accum (math-div (car flat) p))
	173	p (math-mul p pp)))
bf77c646	174	accum)))
136211a9 EZ	175	(put 'calcFunc-npv 'math-expandable t)
	176
	177	(defun calcFunc-npvb (rate &rest flows)
	178	(math-check-financial rate 1)
	179	(math-with-extra-prec 2
	180	(let* ((flat (math-flatten-many-vecs flows))
	181	(pp (math-add 1 rate))
	182	(p 1)
	183	(accum 0))
	184	(while (setq flat (cdr flat))
	185	(setq accum (math-add accum (math-div (car flat) p))
	186	p (math-mul p pp)))
bf77c646	187	accum)))
136211a9 EZ	188	(put 'calcFunc-npvb 'math-expandable t)
	189
	190	(defun calcFunc-fv (rate num amount &optional initial)
	191	(math-check-financial rate num)
	192	(math-with-extra-prec 2
	193	(let ((p (math-pow (math-add 1 rate) num)))
	194	(math-add (math-mul amount
	195	(math-div (math-sub p 1)
	196	rate))
bf77c646	197	(math-mul (or initial 0) p)))))
136211a9 EZ	198	(put 'calcFunc-fv 'math-expandable t)
	199
	200	(defun calcFunc-fvl (rate num amount)
bf77c646	201	(calcFunc-fv rate num 0 amount))
136211a9 EZ	202	(put 'calcFunc-fvl 'math-expandable t)
	203
	204	(defun calcFunc-fvb (rate num amount &optional initial)
	205	(math-check-financial rate num)
	206	(math-with-extra-prec 2
	207	(let ((p (math-pow (math-add 1 rate) num)))
	208	(math-add (math-mul amount
	209	(math-div (math-mul (math-sub p 1)
	210	(math-add 1 rate))
	211	rate))
bf77c646	212	(math-mul (or initial 0) p)))))
136211a9 EZ	213	(put 'calcFunc-fvb 'math-expandable t)
	214
	215	(defun calcFunc-pmt (rate num amount &optional lump)
	216	(math-check-financial rate num)
	217	(math-with-extra-prec 2
	218	(let ((p (math-pow (math-add 1 rate) num)))
	219	(math-div (math-mul (math-sub amount
	220	(math-div (or lump 0) p))
	221	rate)
bf77c646	222	(math-sub 1 (math-div 1 p))))))
136211a9 EZ	223	(put 'calcFunc-pmt 'math-expandable t)
	224
	225	(defun calcFunc-pmtb (rate num amount &optional lump)
	226	(math-check-financial rate num)
	227	(math-with-extra-prec 2
	228	(let ((p (math-pow (math-add 1 rate) num)))
	229	(math-div (math-mul (math-sub amount (math-div (or lump 0) p)) rate)
	230	(math-mul (math-sub 1 (math-div 1 p))
bf77c646	231	(math-add 1 rate))))))
136211a9 EZ	232	(put 'calcFunc-pmtb 'math-expandable t)
	233
	234	(defun calcFunc-nper (rate pmt amount &optional lump)
bf77c646	235	(math-compute-nper rate pmt amount lump nil))
136211a9 EZ	236	(put 'calcFunc-nper 'math-expandable t)
	237
	238	(defun calcFunc-nperb (rate pmt amount &optional lump)
bf77c646	239	(math-compute-nper rate pmt amount lump 'b))
136211a9 EZ	240	(put 'calcFunc-nperb 'math-expandable t)
	241
	242	(defun calcFunc-nperl (rate pmt amount)
bf77c646	243	(math-compute-nper rate pmt amount nil 'l))
136211a9 EZ	244	(put 'calcFunc-nperl 'math-expandable t)
	245
	246	(defun math-compute-nper (rate pmt amount lump bflag)
	247	(and lump (math-zerop lump)
	248	(setq lump nil))
	249	(and lump (math-zerop pmt)
	250	(setq amount lump
	251	lump nil
	252	bflag 'l))
	253	(or (math-objectp rate) (and math-expand-formulas (null lump))
	254	(math-reject-arg rate 'numberp))
	255	(and (math-zerop rate)
	256	(math-reject-arg rate 'nonzerop))
	257	(or (math-objectp pmt) (and math-expand-formulas (null lump))
	258	(math-reject-arg pmt 'numberp))
	259	(or (math-objectp amount) (and math-expand-formulas (null lump))
	260	(math-reject-arg amount 'numberp))
	261	(if lump
	262	(progn
	263	(or (math-objectp lump)
	264	(math-reject-arg lump 'numberp))
	265	(let ((root (math-find-root (list 'calcFunc-eq
	266	(list (if bflag
	267	'calcFunc-pvb
	268	'calcFunc-pv)
	269	rate
	270	'(var DUMMY var-DUMMY)
	271	pmt
	272	lump)
	273	amount)
	274	'(var DUMMY var-DUMMY)
	275	'(intv 3 0 100)
	276	t)))
	277	(if (math-vectorp root)
	278	(nth 1 root)
	279	root)))
	280	(math-with-extra-prec 2
	281	(let ((temp (if (eq bflag 'l)
	282	(math-div amount pmt)
	283	(math-sub 1 (math-div (math-mul amount rate)
	284	(if bflag
	285	(math-mul pmt (math-add 1 rate))
	286	pmt))))))
	287	(if (or (math-posp temp) math-expand-formulas)
	288	(math-neg (calcFunc-log temp (math-add 1 rate)))
bf77c646	289	(math-reject-arg pmt "*Payment too small to cover interest rate"))))))
136211a9 EZ	290
136211a9 EZ	291	(defun calcFunc-rate (num pmt amount &optional lump)
bf77c646	292	(math-compute-rate num pmt amount lump 'calcFunc-pv))
136211a9 EZ	293
136211a9 EZ	294	(defun calcFunc-rateb (num pmt amount &optional lump)
bf77c646	295	(math-compute-rate num pmt amount lump 'calcFunc-pvb))
136211a9 EZ	296
	297	(defun math-compute-rate (num pmt amount lump func)
	298	(or (math-objectp num)
	299	(math-reject-arg num 'numberp))
	300	(or (math-objectp pmt)
	301	(math-reject-arg pmt 'numberp))
	302	(or (math-objectp amount)
	303	(math-reject-arg amount 'numberp))
	304	(or (null lump)
	305	(math-objectp lump)
	306	(math-reject-arg lump 'numberp))
	307	(let ((root (math-find-root (list 'calcFunc-eq
	308	(list func
	309	'(var DUMMY var-DUMMY)
	310	num
	311	pmt
	312	(or lump 0))
	313	amount)
	314	'(var DUMMY var-DUMMY)
	315	'(intv 3 (float 1 -4) 1)
	316	t)))
	317	(if (math-vectorp root)
	318	(nth 1 root)
bf77c646	319	root)))
136211a9 EZ	320
	321	(defun calcFunc-ratel (num pmt amount)
	322	(or (math-objectp num) math-expand-formulas
	323	(math-reject-arg num 'numberp))
	324	(or (math-objectp pmt) math-expand-formulas
	325	(math-reject-arg pmt 'numberp))
	326	(or (math-objectp amount) math-expand-formulas
	327	(math-reject-arg amount 'numberp))
	328	(math-with-extra-prec 2
bf77c646	329	(math-sub (math-pow (math-div pmt amount) (math-div 1 num)) 1)))
136211a9 EZ	330
136211a9 EZ	331	(defun calcFunc-irr (&rest vecs)
bf77c646	332	(math-compute-irr vecs 'calcFunc-npv))
136211a9 EZ	333
136211a9 EZ	334	(defun calcFunc-irrb (&rest vecs)
bf77c646	335	(math-compute-irr vecs 'calcFunc-npvb))
136211a9 EZ	336
	337	(defun math-compute-irr (vecs func)
	338	(let* ((flat (math-flatten-many-vecs vecs))
	339	(root (math-find-root (list func
	340	'(var DUMMY var-DUMMY)
	341	flat)
	342	'(var DUMMY var-DUMMY)
	343	'(intv 3 (float 1 -4) 1)
	344	t)))
	345	(if (math-vectorp root)
	346	(nth 1 root)
bf77c646	347	root)))
136211a9 EZ	348
	349	(defun math-check-financial (rate num)
	350	(or (math-objectp rate) math-expand-formulas
	351	(math-reject-arg rate 'numberp))
	352	(and (math-zerop rate)
	353	(math-reject-arg rate 'nonzerop))
	354	(or (math-objectp num) math-expand-formulas
bf77c646	355	(math-reject-arg num 'numberp)))
136211a9 EZ	356
	357
	358	(defun calcFunc-sln (cost salvage life &optional period)
	359	(or (math-realp cost) math-expand-formulas
	360	(math-reject-arg cost 'realp))
	361	(or (math-realp salvage) math-expand-formulas
	362	(math-reject-arg salvage 'realp))
	363	(or (math-realp life) math-expand-formulas
	364	(math-reject-arg life 'realp))
	365	(if (math-zerop life) (math-reject-arg life 'nonzerop))
	366	(if (and period
	367	(if (math-num-integerp period)
	368	(or (Math-lessp life period) (not (math-posp period)))
	369	(math-reject-arg period 'integerp)))
	370	0
bf77c646	371	(math-div (math-sub cost salvage) life)))
136211a9 EZ	372	(put 'calcFunc-sln 'math-expandable t)
	373
	374	(defun calcFunc-syd (cost salvage life period)
	375	(or (math-realp cost) math-expand-formulas
	376	(math-reject-arg cost 'realp))
	377	(or (math-realp salvage) math-expand-formulas
	378	(math-reject-arg salvage 'realp))
	379	(or (math-realp life) math-expand-formulas
	380	(math-reject-arg life 'realp))
	381	(if (math-zerop life) (math-reject-arg life 'nonzerop))
	382	(or (math-realp period) math-expand-formulas
	383	(math-reject-arg period 'realp))
	384	(if (or (Math-lessp life period) (not (math-posp period)))
	385	0
	386	(math-div (math-mul (math-sub cost salvage)
	387	(math-add (math-sub life period) 1))
bf77c646	388	(math-div (math-mul life (math-add life 1)) 2))))
136211a9 EZ	389	(put 'calcFunc-syd 'math-expandable t)
	390
	391	(defun calcFunc-ddb (cost salvage life period)
	392	(if (math-messy-integerp period) (setq period (math-trunc period)))
	393	(or (integerp period) (math-reject-arg period 'fixnump))
	394	(or (math-realp cost) (math-reject-arg cost 'realp))
	395	(or (math-realp salvage) (math-reject-arg salvage 'realp))
	396	(or (math-realp life) (math-reject-arg life 'realp))
	397	(if (math-zerop life) (math-reject-arg life 'nonzerop))
	398	(if (or (Math-lessp life period) (<= period 0))
	399	0
	400	(let ((book cost)
	401	(res 0))
	402	(while (>= (setq period (1- period)) 0)
	403	(setq res (math-div (math-mul book 2) life)
	404	book (math-sub book res))
	405	(if (Math-lessp book salvage)
	406	(setq res (math-add res (math-sub book salvage))
	407	book salvage)))
bf77c646	408	res)))
136211a9	409
7bd61134 JB	410	(provide 'calc-fin)
7bd61134 JB	411
bf77c646	412	;;; calc-fin.el ends here