exonio 0.3.0 → 0.4.0
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- checksums.yaml +4 -4
- data/CHANGELOG.md +4 -0
- data/Gemfile.lock +13 -1
- data/README.md +11 -1
- data/exonio.gemspec +1 -0
- data/lib/exonio/financial.rb +43 -0
- data/lib/exonio/version.rb +1 -1
- metadata +16 -2
checksums.yaml
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@@ -1,7 +1,7 @@
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---
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SHA1:
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metadata.gz:
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data.tar.gz:
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metadata.gz: b41d64738c1775bc0b495caecdf951a4a4021724
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data.tar.gz: 9983f55a871c45c3df8e7588ab33c4bfd635da3f
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SHA512:
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metadata.gz:
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data.tar.gz:
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metadata.gz: c5f39c4732cb7cb0e44ed923bebfc05d21936cd2e17ae5d2c3b47cfc78b7c587c958aa6aa4065bcfb79a6bb7d157b3000c533326e30fd567a5b45a292aeeb3a8
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data.tar.gz: b547a202794b5acab4317d5aee0b8c80e56ad37ed7d624c5147e6cabea88b149caaa380eea3f26ae83d542efb20d3810b6409cdeb6e3f7ad60db97fae03b4c13
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data/CHANGELOG.md
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data/Gemfile.lock
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@@ -1,12 +1,22 @@
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PATH
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remote: .
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specs:
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exonio (0.
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exonio (0.4.0)
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GEM
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remote: https://rubygems.org/
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specs:
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9
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byebug (8.2.1)
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coderay (1.1.0)
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diff-lcs (1.2.5)
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method_source (0.8.2)
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pry (0.10.3)
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coderay (~> 1.1.0)
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method_source (~> 0.8.1)
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slop (~> 3.4)
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pry-byebug (3.3.0)
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byebug (~> 8.0)
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pry (~> 0.10)
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rake (10.5.0)
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rspec (3.4.0)
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rspec-core (~> 3.4.0)
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@@ -21,6 +31,7 @@ GEM
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diff-lcs (>= 1.2.0, < 2.0)
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rspec-support (~> 3.4.0)
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rspec-support (3.4.1)
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slop (3.6.0)
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PLATFORMS
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ruby
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@@ -28,6 +39,7 @@ PLATFORMS
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DEPENDENCIES
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bundler (~> 1.11)
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exonio!
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pry-byebug (~> 3.3.0)
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rake (~> 10.0)
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rspec (~> 3.0)
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data/README.md
CHANGED
@@ -92,6 +92,17 @@ By convention, the negative sign represents cash flow out (i.e., money not avail
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Thus, to end up with $20,000.00 in 10 years saving $100 a month at 5% annual
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interest, an initial deposit of $2715,09 should be made.
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### RATE
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Suppose you take a loan of $50,000.00 to pay in 3 years with a monthly payment of $2,500.00.
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What is the rate applied to this loan?
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```ruby
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Exonio.rate(12 * 3, 2_500, -50_000) # ==> 0.036006853458478955
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```
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So, the rate applied is 3.60%.
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## TODO
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There's a lot of formulas to be implemented, including:
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@@ -106,7 +117,6 @@ There's a lot of formulas to be implemented, including:
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* MIRR
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* NPV
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* PPMT
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-
* RATE
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* SLN
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* SYD
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* VDB
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data/exonio.gemspec
CHANGED
data/lib/exonio/financial.rb
CHANGED
@@ -111,5 +111,48 @@ module Exonio
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-(fv + pmt * fact) / temp
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end
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# Calculates the interest rate of an annuity investment based on
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# constant-amount periodic payments and the assumption of a constant interest rate.
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#
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# @param nper [Integer] The number of payments to be made (number of periods)
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# @param pmt [Float] The amount per period to be paid
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# @param pv [Float] The present value
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# @param fv [Float] The future value remaining after the final payment has been made
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# @param end_or_begining [Integer] Whether payments are due at the end (0) or
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# beggining (1) of each period
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# @param rate_guess [Float] An estimate for what the interest rate will be
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#
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# @return [Float]
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#
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# @example
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# Exonio.rate(12, 363.78, -3056.00) # ==> 0.05963422268883278
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#
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def rate(nper, pmt, pv, fv = 0, end_or_beginning = 0, rate_guess = 0.10)
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guess = rate_guess
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tolerancy = 1e-6
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close = false
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begin
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temp = newton_iter(guess, nper, pmt, pv, fv, end_or_beginning)
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next_guess = guess - temp
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diff = (next_guess - guess).abs
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close = diff < tolerancy
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guess = next_guess
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end while !close
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next_guess
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end
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private
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# This method was borrowed from the NumPy rate formula
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# which was generated by Sage
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#
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def newton_iter(r, n, p, x, y, w)
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t1 = (r+1)**n
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t2 = (r+1)**(n-1)
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((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))
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end
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end
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end
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data/lib/exonio/version.rb
CHANGED
metadata
CHANGED
@@ -1,14 +1,14 @@
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1
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--- !ruby/object:Gem::Specification
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name: exonio
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version: !ruby/object:Gem::Version
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version: 0.
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version: 0.4.0
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platform: ruby
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authors:
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- Rafael Izidoro
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autorequire:
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bindir: exe
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cert_chain: []
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date: 2016-
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date: 2016-02-04 00:00:00.000000000 Z
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dependencies:
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- !ruby/object:Gem::Dependency
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name: bundler
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@@ -52,6 +52,20 @@ dependencies:
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- - "~>"
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- !ruby/object:Gem::Version
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version: '3.0'
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- !ruby/object:Gem::Dependency
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name: pry-byebug
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requirement: !ruby/object:Gem::Requirement
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requirements:
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- - "~>"
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- !ruby/object:Gem::Version
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version: 3.3.0
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type: :development
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prerelease: false
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version_requirements: !ruby/object:Gem::Requirement
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requirements:
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- - "~>"
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- !ruby/object:Gem::Version
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version: 3.3.0
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description: This gem implements some useful Excel formulas like PMT, IPMT, NPER,
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PV, etc...
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email:
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