bankroll 0.1.0 → 0.1.1

checksums.yaml

@@ -1,7 +1,7 @@
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data/.rubocop.yml

@@ -5,6 +5,8 @@ require:
 
 # ==================== Main ==========================
 AllCops:
+  TargetRubyVersion: 3.1
+  NewCops: enable
   DisplayCopNames: true
   Exclude:
     - "bin/**/*"
@@ -68,6 +70,8 @@ Layout/LineEndStringConcatenationIndentation:
   IndentationWidth: 0
 Layout/LineLength:
   Max: 100
+  Exclude:
+    - "lib/bankroll/interest_rate.rb"
 Layout/MultilineArrayLineBreaks:
   Enabled: true
 Layout/MultilineAssignmentLayout:
@@ -118,7 +122,7 @@ Lint/ElseLayout:
 Lint/EmptyBlock:
   Enabled: true
   AllowComments: false
-  AllowEmptyLambdas: false
+  AllowEmptyLambdas: true
 Lint/EmptyClass:
   Enabled: true
 Lint/EmptyConditionalBody:
@@ -199,6 +203,16 @@ Metrics/BlockLength:
     - "spec/**/*"
 Metrics/ParameterLists:
   Max: 3
+  Exclude:
+    - "lib/bankroll/interest_rate.rb"
+Metrics/AbcSize:
+  Enabled: true
+  Exclude:
+    - "lib/bankroll/interest_rate.rb"
+Metrics/MethodLength:
+  Enabled: true
+  Exclude:
+    - "lib/bankroll/interest_rate.rb"
 Naming/BlockForwarding:
   Enabled: true
 Naming/InclusiveLanguage:
@@ -223,8 +237,12 @@ Naming/VariableNumber:
   EnforcedStyle: snake_case
   AllowedIdentifiers:
     - capture3
+  Exclude:
+    - "lib/bankroll/interest_rate.rb"
 Naming/MethodParameterName:
   AllowNamesEndingInNumbers: false
+  Exclude:
+    - "lib/bankroll/interest_rate.rb"
 Security/IoMethods:
   Enabled: true
 Style/AccessorGrouping:
@@ -311,7 +329,7 @@ Style/MethodCallWithArgsParentheses:
   AllowParenthesesInMultilineCall: true
   IgnoreMacros: false
 Style/MethodDefParentheses:
-  EnforcedStyle: false
+  EnforcedStyle: require_parentheses
 Style/MissingElse:
   Enabled: false
 Style/MultilineInPatternThen:
@@ -438,6 +456,10 @@ Performance/Sum:
   Enabled: true
 
 # ==================== RSpec ============================
+RSpec/BeEq:
+  Enabled: true
+RSpec/BeNil:
+  Enabled: true
 RSpec/ContextWording:
   Prefixes:
     - when

data/Gemfile

@@ -7,8 +7,12 @@ gemspec
 
 gem "rake", "~> 13.0"
 
-gem "rspec", "~> 3.0"
-
-gem "rubocop", "~> 1.21"
-
-gem "byebug"
+group :development, :test do
+  gem "byebug"
+  gem "rspec", "~> 3.0"
+  gem "rubocop", "~> 1.21"
+  gem "rubocop-performance"
+  gem "rubocop-rake"
+  gem "rubocop-rspec"
+  gem "solargraph"
+end

data/Gemfile.lock

@@ -1,15 +1,17 @@
 PATH
   remote: .
   specs:
-    bankroll (0.1.0)
-      dry-equalizer
-      dry-initializer
-      dry-types
+    bankroll (0.1.1)
+      dry-equalizer (~> 0.3.0)
+      dry-initializer (~> 3.1.1)
+      dry-types (~> 1.5.1)
 
 GEM
   remote: https://rubygems.org/
   specs:
     ast (2.4.2)
+    backport (1.2.0)
+    benchmark (0.2.0)
     byebug (11.1.3)
     concurrent-ruby (1.1.9)
     diff-lcs (1.5.0)
@@ -33,12 +35,25 @@ GEM
       dry-core (~> 0.5, >= 0.5)
       dry-inflector (~> 0.1, >= 0.1.2)
       dry-logic (~> 1.0, >= 1.0.2)
+    e2mmap (0.1.0)
+    jaro_winkler (1.5.4)
+    kramdown (2.3.1)
+      rexml
+    kramdown-parser-gfm (1.1.0)
+      kramdown (~> 2.0)
+    nokogiri (1.13.3-x86_64-darwin)
+      racc (~> 1.4)
+    nokogiri (1.13.3-x86_64-linux)
+      racc (~> 1.4)
     parallel (1.21.0)
     parser (3.1.0.0)
       ast (~> 2.4.1)
+    racc (1.6.0)
     rainbow (3.1.1)
     rake (13.0.6)
     regexp_parser (2.2.0)
+    reverse_markdown (2.1.1)
+      nokogiri
     rexml (3.2.5)
     rspec (3.10.0)
       rspec-core (~> 3.10.0)
@@ -64,11 +79,39 @@ GEM
       unicode-display_width (>= 1.4.0, < 3.0)
     rubocop-ast (1.15.1)
       parser (>= 3.0.1.1)
+    rubocop-performance (1.13.2)
+      rubocop (>= 1.7.0, < 2.0)
+      rubocop-ast (>= 0.4.0)
+    rubocop-rake (0.6.0)
+      rubocop (~> 1.0)
+    rubocop-rspec (2.8.0)
+      rubocop (~> 1.19)
     ruby-progressbar (1.11.0)
+    solargraph (0.44.3)
+      backport (~> 1.2)
+      benchmark
+      bundler (>= 1.17.2)
+      diff-lcs (~> 1.4)
+      e2mmap
+      jaro_winkler (~> 1.5)
+      kramdown (~> 2.3)
+      kramdown-parser-gfm (~> 1.1)
+      parser (~> 3.0)
+      reverse_markdown (>= 1.0.5, < 3)
+      rubocop (>= 0.52)
+      thor (~> 1.0)
+      tilt (~> 2.0)
+      yard (~> 0.9, >= 0.9.24)
+    thor (1.2.1)
+    tilt (2.0.10)
     unicode-display_width (2.1.0)
+    webrick (1.7.0)
+    yard (0.9.27)
+      webrick (~> 1.7.0)
 
 PLATFORMS
   x86_64-darwin-20
+  x86_64-linux
 
 DEPENDENCIES
   bankroll!
@@ -76,6 +119,10 @@ DEPENDENCIES
   rake (~> 13.0)
   rspec (~> 3.0)
   rubocop (~> 1.21)
+  rubocop-performance
+  rubocop-rake
+  rubocop-rspec
+  solargraph
 
 BUNDLED WITH
    2.2.32

data/README.md

@@ -46,8 +46,9 @@ puts payment #=> Bankroll::Decimal["3_216.40"]
 original_amount = Bankroll.present_value(
   periods: 360, # 30 years
   monthly_payment: 3_216.40, 
-  interest_rate: 0.01 / 12.0, # 2.5%
+  interest_rate: 0.01 / 12.0, # 1% APR
 ).round
+
 puts original_amount #=> Bankroll::Decimal["1_000_001.49"]
 
 # What does the balance look like after a single mortgage payment?
@@ -58,6 +59,7 @@ unpaid_balance = Bankroll.unpaid_balance(
   period: 1,
   payment: 3_216.40
 ).round
+
 puts unpaid_balance #=> Bankroll::Decimal["997_616.94"]
 
 # What was the interest rate?
@@ -66,6 +68,7 @@ interest_rate = Bankroll.interest_rate(
   periods: 360,
   payment: -3_216.40,
 ).round(3)
+
 puts interest_rate #=> Bankroll::Decimal["0.833e-3"]
 
 # What is the annuity factor of a rate for n periods?
@@ -73,6 +76,7 @@ annuity_factor = Bankroll.annuity_factor(
   interest_rate: 0.01,
   periods: 2
 ).round(4)
+
 puts annuity_factor #=> Bankroll::Decimal["1.9704"]
 
 # What is the total interest paid on a 500_000 1% mortgage
@@ -82,6 +86,7 @@ interest_paid = Bankroll.cumulative_interest(
   payment: 1_608.20,
   present_value: 500_000
 ).round
+
 puts interest_paid #=> Bankroll::Decimal["832.34"]
 
 # What is the total cost of a 500_000 1% loan with interest?
@@ -91,6 +96,7 @@ total_amount = Bankroll.future_value(
   periods: 360,
   payment: 1_608.20
 ).round
+
 puts total_amount #=> Bankroll::Decimal["647_846.10"]
 
 # What is the interest payment on the 17th period of a $165,000 3% mortgage?
@@ -100,6 +106,7 @@ interest_payment = Bankroll.interest_payment(
   period: 17,
   present_value: 165_000
 ).round
+
 puts interest_payment #=> Bankroll::Decimal["400.96"]
 
 # How many periods until a -$1000 account with -$100/month reaches $10_000 with
@@ -110,6 +117,7 @@ total_periods = Bankroll.total_periods(
   present_value: -1_000,
   future_value: 10_000
 )
+
 puts total_periods #=> Bankroll::Decimal["59.67"]
 
 # What is the amortization schedule of a $165_000 3% 30 year mortgage?
@@ -118,6 +126,7 @@ amortization_schedule = Bankroll.amortization_schedule(
   interest_rate: 0.03 / 12.0,
   periods: 360
 )
+
 puts amortization_schedule.payments #=> [
 #   Bankroll::AmortizationSchedule::Payment.new(
 #     payment: Bankroll::Decimal["695.65"],

data/bankroll.gemspec

@@ -12,7 +12,7 @@ Gem::Specification.new do |spec|
   spec.description = "Mortgage and refinance calculations for ruby"
   spec.homepage = "https://github.com/nolantait/bankroll"
   spec.license = "MIT"
-  spec.required_ruby_version = ">= 2.6.0"
+  spec.required_ruby_version = ">= 3.1.0"
 
   spec.metadata["homepage_uri"] = spec.homepage
   spec.metadata["source_code_uri"] = "https://github.com/nolantait/bankroll"
@@ -22,18 +22,20 @@ Gem::Specification.new do |spec|
   # The `git ls-files -z` loads the files in the RubyGem that have been added into git.
   spec.files = Dir.chdir(File.expand_path(__dir__)) do
     `git ls-files -z`.split("\x0").reject do |f|
-      (f == __FILE__) || f.match(%r{\A(?:(?:test|spec|features)/|\.(?:git|travis|circleci)|appveyor)})
+      (f == __FILE__) ||
+        f.match(%r{\A(?:(?:test|spec|features)/|\.(?:git|travis|circleci)|appveyor)})
     end
   end
   spec.bindir = "exe"
-  spec.executables = spec.files.grep(%r{\Aexe/}) { |f| File.basename(f) }
+  spec.executables = spec.files.grep(%r(\Aexe/)) { |f| File.basename(f) }
   spec.require_paths = ["lib"]
 
   # Uncomment to register a new dependency of your gem
-  spec.add_dependency "dry-types"
-  spec.add_dependency "dry-initializer"
-  spec.add_dependency "dry-equalizer"
+  spec.add_dependency "dry-equalizer", "~> 0.3.0"
+  spec.add_dependency "dry-initializer", "~> 3.1.1"
+  spec.add_dependency "dry-types", "~> 1.5.1"
 
   # For more information and examples about making a new gem, checkout our
   # guide at: https://bundler.io/guides/creating_gem.html
+  spec.metadata["rubygems_mfa_required"] = "true"
 end

data/lib/bankroll/amortization_schedule.rb

@@ -1,3 +1,5 @@
+# frozen_string_literal: true
+
 module Bankroll
   class AmortizationSchedule
     extend Dry::Initializer
@@ -18,22 +20,14 @@ module Bankroll
 
     def each
       Enumerator.new do |yielder|
-        total_interest = Decimal["0"]
-        balance = @present_value
+        current_payment = Payment.new(
+          payment: monthly_payment.round,
+          total_interest: Decimal["0"],
+          balance: @present_value
+        )
 
         periods.times do |period|
-          interest = interest_payment(period + 1)
-          principal = payment - interest
-          total_interest += interest
-          balance -= principal
-
-          yielder << Payment.new(
-            payment: payment.round,
-            principal: principal.round,
-            interest: interest.round,
-            total_interest: total_interest.round,
-            balance: balance.round
-          )
+          yielder << current_payment = payment_for_period(period, current_payment)
         end
       end
     end
@@ -48,18 +42,31 @@ module Bankroll
 
     private
 
+    def payment_for_period(period, last_payment)
+      interest = interest_payment(period + 1)
+      principal = last_payment.payment - interest
+
+      Payment.new(
+        payment: last_payment.payment,
+        principal: principal.round,
+        interest: interest.round,
+        total_interest: (last_payment.total_interest + interest).round,
+        balance: (last_payment.balance - principal).round
+      )
+    end
+
     def interest_payment(period)
       InterestPayment.call(
         interest_rate: @interest_rate,
         periods: @periods,
-        period: period,
+        period:,
         present_value: @present_value,
-        payment: -payment
+        payment: -monthly_payment
       )
     end
 
-    def payment
-      @payment ||= Bankroll::Payment.call(
+    def monthly_payment
+      @monthly_payment ||= Bankroll::Payment.call(
         present_value: @present_value,
         interest_rate: @interest_rate,
         periods: @periods

data/lib/bankroll/annuity_factor.rb

@@ -1,9 +1,11 @@
+# frozen_string_literal: true
+
 module Bankroll
   class AnnuityFactor
     extend Callable
     extend Dry::Initializer
 
-    ONE = Decimal['1'].freeze
+    ONE = Decimal["1"].freeze
 
     option :periods, Types["bankroll.decimal"]
     option :interest_rate, Types["bankroll.decimal"]
@@ -19,7 +21,7 @@ module Bankroll
     end
 
     def interest_contribution_per_period
-      (ONE + @interest_rate) ** -@periods
+      (ONE + @interest_rate)**-@periods
     end
   end
 end

data/lib/bankroll/callable.rb

@@ -1,3 +1,5 @@
+# frozen_string_literal: true
+
 module Bankroll
   module Callable
     def call(**kwargs)

data/lib/bankroll/cumulative_interest.rb

@@ -1,3 +1,5 @@
+# frozen_string_literal: true
+
 module Bankroll
   class CumulativeInterest
     # Calculate the total interest paid at any period
@@ -11,7 +13,7 @@ module Bankroll
     option :present_value, Types["bankroll.decimal"]
 
     def call
-      payments_made + 
+      payments_made +
         ((total_interest - @payment) * percentage_of_interest_per_period)
     end
 
@@ -26,7 +28,7 @@ module Bankroll
     end
 
     def compound_rate
-      (ONE + @interest_rate) ** @periods
+      (ONE + @interest_rate)**@periods
     end
 
     def total_interest

data/lib/bankroll/decimal.rb

@@ -1,5 +1,7 @@
+# frozen_string_literal: true
+
 module Bankroll
-  class Decimal < Delegator
+  class Decimal < SimpleDelegator
     include Dry::Equalizer.new(:value)
 
     ROUNDING = :half_even
@@ -13,17 +15,19 @@ module Bankroll
     end
 
     attr_reader :value
-    alias_method :__getobj__, :value
+
+    alias __getobj__ value
 
     def initialize(value)
       decimal = case value
-      when self.class
-        value.value.to_s
-      else
-        value.to_s
-      end
+                  when self.class
+                    value.value.to_s
+                  else
+                    value.to_s
+                end
 
       @value = BigDecimal(Types["string"][decimal])
+      super(@value)
     end
 
     def round(precision = 2, rounding = ROUNDING)

data/lib/bankroll/future_value.rb

@@ -1,7 +1,9 @@
+# frozen_string_literal: true
+
 module Bankroll
   class FutureValue
-    # Future value is the value to which an investment will grow 
-    # after one or more periods. Usage is with a fixed payment 
+    # Future value is the value to which an investment will grow
+    # after one or more periods. Usage is with a fixed payment
 
     extend Callable
     extend Dry::Initializer
@@ -13,13 +15,13 @@ module Bankroll
 
     def call
       (effective_rate * present_value) +
-        (@payment * (1 + @interest_rate * 0) * (effective_rate - 1) / @interest_rate)
+        (@payment * (1 + (@interest_rate * 0)) * (effective_rate - 1) / @interest_rate)
     end
 
     private
 
     def effective_rate
-      (ONE + @interest_rate) ** @periods
+      (ONE + @interest_rate)**@periods
     end
   end
 end

data/lib/bankroll/interest_payment.rb

@@ -1,3 +1,5 @@
+# frozen_string_literal: true
+
 module Bankroll
   class InterestPayment
     # The interest portion of a payment at period N
@@ -9,7 +11,7 @@ module Bankroll
     option :periods, Types["bankroll.decimal"]
     option :period, Types["integer"]
     option :present_value, Types["bankroll.decimal"]
-    option :payment, Types["bankroll.decimal"] | Types["nil"], default: -> { nil }
+    option :payment, Types["bankroll.decimal"] | Types["nil"], default: -> {}
 
     def call
       future_loan_balance * @interest_rate
@@ -20,7 +22,7 @@ module Bankroll
     def future_loan_balance
       FutureValue.call(
         periods: @period - 1,
-        payment: payment,
+        payment:,
         present_value: @present_value,
         interest_rate: @interest_rate
       )

data/lib/bankroll/interest_rate.rb

@@ -1,3 +1,5 @@
+# frozen_string_literal: true
+
 module Bankroll
   class InterestRate
     extend Dry::Initializer
@@ -15,7 +17,9 @@ module Bankroll
       significance_required = 1e-6
       stop = false
 
-      begin
+      next_guess = 0
+
+      loop do
         temp = newton_iteration(
           guess,
           @periods,
@@ -28,20 +32,20 @@ module Bankroll
         difference = (next_guess - guess).abs
         stop = difference < significance_required
         guess = next_guess
-      end while !stop
+        break if stop
+      end
 
       next_guess
     end
 
     private
 
-
     # This method was borrowed from the NumPy rate formula
     # which was generated by Sage
     def newton_iteration(r, n, p, x, y, w)
-      t1 = (r+1)**n
-      t2 = (r+1)**(n-1)
-      ((y + t1*x + p*(t1 - 1)*(r*w + 1)/r) / (n*t2*x - p*(t1 - 1)*(r*w + 1)/(r**2) + n*p*t2*(r*w + 1)/r + p*(t1 - 1)*w/r))
+      t1 = (r + 1)**n
+      t2 = (r + 1)**(n - 1)
+      ((y + (t1 * x) + (p * (t1 - 1) * ((r * w) + 1) / r)) / ((n * t2 * x) - (p * (t1 - 1) * ((r * w) + 1) / (r**2)) + (n * p * t2 * ((r * w) + 1) / r) + (p * (t1 - 1) * w / r)))
     end
   end
 end

data/lib/bankroll/payment.rb

@@ -1,3 +1,5 @@
+# frozen_string_literal: true
+
 module Bankroll
   class Payment
     extend Callable

data/lib/bankroll/present_value.rb

@@ -1,3 +1,5 @@
+# frozen_string_literal: true
+
 module Bankroll
   class PresentValue
     extend Callable

data/lib/bankroll/total_periods.rb

@@ -1,3 +1,5 @@
+# frozen_string_literal: true
+
 module Bankroll
   class TotalPeriods
     extend Callable
@@ -28,16 +30,16 @@ module Bankroll
     end
 
     def percentage_of_total_interest_on_principal
-      (-@future_value + initial_payment_interest) / 
+      (-@future_value + initial_payment_interest) /
         (@present_value + initial_payment_interest)
     end
 
     def initial_payment_interest
       case type
-      when :ordinary
-        (@payment * (1 + @interest_rate)) / @interest_rate
-      else
-        0
+        when :ordinary
+          (@payment * (1 + @interest_rate)) / @interest_rate
+        else
+          0
       end
     end
   end

data/lib/bankroll/types.rb

@@ -1,3 +1,5 @@
+# frozen_string_literal: true
+
 module Bankroll
   module Types
     include Dry.Types()
@@ -13,11 +15,9 @@ module Bankroll
     end
 
     ConvertToDecimal = lambda do |value|
-      if value.is_a? Bankroll::Decimal
-        return value
-      else
-        Bankroll::Decimal[value.to_s]
-      end
+      return value if value.is_a? Bankroll::Decimal
+
+      Bankroll::Decimal[value.to_s]
     end
 
     register("bankroll.decimal", Constructor[Bankroll::Decimal, fn: ConvertToDecimal])

data/lib/bankroll/unpaid_balance.rb

@@ -1,9 +1,11 @@
+# frozen_string_literal: true
+
 module Bankroll
   class UnpaidBalance
     extend Callable
     extend Dry::Initializer
 
-    ONE = Decimal['1'].freeze
+    ONE = Decimal["1"].freeze
 
     option :present_value, Types["bankroll.decimal"]
     option :interest_rate, Types["bankroll.decimal"]
@@ -30,7 +32,7 @@ module Bankroll
 
     def annuity_factor
       AnnuityFactor.call(
-        interest_rate: @interest_rate, 
+        interest_rate: @interest_rate,
         periods: remaining
       )
     end

data/lib/bankroll/version.rb

@@ -1,5 +1,5 @@
 # frozen_string_literal: true
 
 module Bankroll
-  VERSION = "0.1.0"
+  VERSION = "0.1.1"
 end

data/lib/bankroll.rb

@@ -25,9 +25,8 @@ require_relative "bankroll/interest_rate"
 BigDecimal.mode(BigDecimal::ROUND_MODE, Bankroll::Decimal::ROUNDING)
 
 module Bankroll
-  ZERO = Decimal['0'].freeze
-  ONE = Decimal['1'].freeze
-
+  ZERO = Decimal["0"].freeze
+  ONE = Decimal["1"].freeze
 
   class Error < StandardError; end
   # Your code goes here...

metadata

@@ -1,57 +1,57 @@
 --- !ruby/object:Gem::Specification
 name: bankroll
 version: !ruby/object:Gem::Version
-  version: 0.1.0
+  version: 0.1.1
 platform: ruby
 authors:
 - Nolan J Tait
 autorequire:
 bindir: exe
 cert_chain: []
-date: 2022-02-16 00:00:00.000000000 Z
+date: 2022-03-02 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
-  name: dry-types
+  name: dry-equalizer
   requirement: !ruby/object:Gem::Requirement
     requirements:
-    - - ">="
+    - - "~>"
       - !ruby/object:Gem::Version
-        version: '0'
+        version: 0.3.0
   type: :runtime
   prerelease: false
   version_requirements: !ruby/object:Gem::Requirement
     requirements:
-    - - ">="
+    - - "~>"
       - !ruby/object:Gem::Version
-        version: '0'
+        version: 0.3.0
 - !ruby/object:Gem::Dependency
   name: dry-initializer
   requirement: !ruby/object:Gem::Requirement
     requirements:
-    - - ">="
+    - - "~>"
       - !ruby/object:Gem::Version
-        version: '0'
+        version: 3.1.1
   type: :runtime
   prerelease: false
   version_requirements: !ruby/object:Gem::Requirement
     requirements:
-    - - ">="
+    - - "~>"
       - !ruby/object:Gem::Version
-        version: '0'
+        version: 3.1.1
 - !ruby/object:Gem::Dependency
-  name: dry-equalizer
+  name: dry-types
   requirement: !ruby/object:Gem::Requirement
     requirements:
-    - - ">="
+    - - "~>"
       - !ruby/object:Gem::Version
-        version: '0'
+        version: 1.5.1
   type: :runtime
   prerelease: false
   version_requirements: !ruby/object:Gem::Requirement
     requirements:
-    - - ">="
+    - - "~>"
       - !ruby/object:Gem::Version
-        version: '0'
+        version: 1.5.1
 description: Mortgage and refinance calculations for ruby
 email:
 - nolanjtait@gmail.com
@@ -94,6 +94,7 @@ metadata:
   homepage_uri: https://github.com/nolantait/bankroll
   source_code_uri: https://github.com/nolantait/bankroll
   changelog_uri: https://github.com/nolantait/bankroll/CHANGELOG.md
+  rubygems_mfa_required: 'true'
 post_install_message:
 rdoc_options: []
 require_paths:
@@ -102,14 +103,14 @@ required_ruby_version: !ruby/object:Gem::Requirement
   requirements:
   - - ">="
     - !ruby/object:Gem::Version
-      version: 2.6.0
+      version: 3.1.0
 required_rubygems_version: !ruby/object:Gem::Requirement
   requirements:
   - - ">="
     - !ruby/object:Gem::Version
       version: '0'
 requirements: []
-rubygems_version: 3.2.32
+rubygems_version: 3.3.3
 signing_key:
 specification_version: 4
 summary: Mortgage and refinance calculations for ruby