financial_maths 0.0.5 → 0.0.6

data/.gitignore

@@ -15,3 +15,4 @@ spec/reports
 test/tmp
 test/version_tmp
 tmp
+.DS_Store

data/.project

@@ -0,0 +1,14 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<projectDescription>
+	<name>financial_maths</name>
+	<comment></comment>
+	<projects>
+	</projects>
+	<buildSpec>
+	</buildSpec>
+	<natures>
+		<nature>com.aptana.projects.webnature</nature>
+		<nature>org.radrails.rails.core.railsnature</nature>
+		<nature>com.aptana.ruby.core.rubynature</nature>
+	</natures>
+</projectDescription>

data/CHANGELOG.md

@@ -0,0 +1,26 @@
+
+#### [Current]
+
+#### 
+ * [29d39cb](../../commit/29d39cb) - __(Ruben Espinosa)__ Coderwalll profile
+ * [d39af4e](../../commit/d39af4e) - __(Ruben Espinosa)__ readme updated
+ * [799e918](../../commit/799e918) - __(Ruben Espinosa)__ Gem version budget
+ * [955354e](../../commit/955354e) - __(Ruben Espinosa)__ coverals icon
+ * [fd9f8d7](../../commit/fd9f8d7) - __(Ruben Espinosa)__ using coverals
+ * [1e00856](../../commit/1e00856) - __(Ruben Espinosa)__ delete unnecesary file
+ * [6566d95](../../commit/6566d95) - __(Ruben Espinosa)__ new unit tests
+ * [d67e8cb](../../commit/d67e8cb) - __(Ruben Espinosa)__ improve in readme
+ * [c83fd63](../../commit/c83fd63) - __(Ruben Espinosa)__ new test
+ * [17d4a56](../../commit/17d4a56) - __(Ruben Espinosa)__ amotizations anticipated and dues
+ * [6abcd52](../../commit/6abcd52) - __(Ruben Espinosa)__ new unit test
+ * [0105bc3](../../commit/0105bc3) - __(Ruben Espinosa)__ rspec
+ * [7facdde](../../commit/7facdde) - __(Ruben Espinosa)__ travis_ci
+ * [1c51a1c](../../commit/1c51a1c) - __(Ruben Espinosa)__ travis_ci
+ * [eff10c6](../../commit/eff10c6) - __(Ruben Espinosa)__ travis_ci
+ * [8ac3465](../../commit/8ac3465) - __(Ruben Espinosa)__ travis_ci
+ * [cb60c1f](../../commit/cb60c1f) - __(Ruben Espinosa)__ new methods, v004
+ * [05beff9](../../commit/05beff9) - __(Ruben Espinosa)__ 5 functions more
+ * [d408047](../../commit/d408047) - __(Ruben Espinosa)__ update gemspec
+ * [08810e5](../../commit/08810e5) - __(Ruben Espinosa)__ Update README.md
+ * [a59eb54](../../commit/a59eb54) - __(Ruben Espinosa)__ updated readme
+ * [37b9aaf](../../commit/37b9aaf) - __(Ruben Espinosa)__ first commit

data/Gemfile

@@ -2,4 +2,5 @@ source 'http://rubygems.org'
 
 # Specify your gem's dependencies in financial_maths.gemspec
 gemspec
-gem 'rspec'
+gem 'rspec'
+gem 'coveralls', require: false

data/README.md

@@ -1,24 +1,14 @@
-# FinancialMaths
+## FinancialMaths
 [![Build Status](https://travis-ci.org/rderoldan1/financial_maths.png?branch=master)](https://travis-ci.org/rderoldan1/financial_maths)
+[![Coverage Status](https://coveralls.io/repos/rderoldan1/financial_maths/badge.png?branch=master)](https://coveralls.io/r/rderoldan1/financial_maths)
+[![Gem Version](https://badge.fury.io/rb/financial_maths.png)](http://badge.fury.io/rb/financial_maths)
+[![endorse](https://api.coderwall.com/rderoldan1/endorsecount.png)](https://coderwall.com/rderoldan1)
 more functions will be added soon
 
-#### New in version 0.0.4
-
-   1. Amortization tables
-   2. efective_given_nominal_due(nominal_rate, term)
-   3. efective_given_nominal_antipipated
-   4. nominal_antipiated_given_efective
-   5. nominal_due_given_efective
-   6. anticipated_fixed_payment
-
-#### New in version 0.0.3
-
-   1. future_given_present
-   2. present_given_future
-   3. annuity_given_present
-   4. annuity_given_future
-   5. present_given_annuity
-   6. future_given_annuity
+#### New in version 0.0.5
+   1. New functions for loan amortizations
+   2. New payments calculations
+   3. New unit tests
 
 #### Pending
    1. include more functions
@@ -46,39 +36,93 @@ include FinancialMaths
 
 ```
 
-### Calculate Fixed payment equity
-A credit in a period of 15 years, the amount is $100.000.000 and the interest is 1.44594763%, 
-call the method following the next instruction.
-	
-```ruby
-variable_payment_amortization(15,100000000,0.0144594763)
-```
-The result is a hash with the plan of payments, it looks like that
-	
-	[{:period=>0, :monthly_payment=>nil, :interest=>nil, :payment=>nil, :balance=>100000000}, 
-	{:period=>1, :payment=>2001502.63, :interest=>1445947.63, :monthly_payment=>555555, :balance=>99444445},
-	{:period=>2, :payment=>1993469.5956441534, :interest=>1437914.5956441534, :monthly_payment=>555555, :balance=>98888890},
-	...
-	..
-	.
-	]
-
-The lists of the methods and their params
-
-  future_given_present(present_value, interest, term)
-  present_given_future(future_value, interest, term)
-  annuity_given_present(present_value, interest, term)
-  annuity_given_future(future_value, interest, term)
-  present_given_annuity(annuity, interest, term)
-  future_given_annuity(annuity, interest, term)
-  efective_given_nominal_due(nominal_rate, term)
-  efective_given_nominal_antipipated(nominal_rate, term)
-  nominal_antipiated_given_efective(nominal_rate, term)
-  nominal_due_given_efective(nominal_rate, term)
-  anticipated_fixed_payment(present_value, rate, term)
-
-  variable_payment_amortization(periods, amount, rate)
-  fixed_payment_amortization(periods, amount, rate, payment)
+## The lists of the methods and their params
+
+#### Variable amortization payment due
+due_variable_payment_amortization (periods, amount, rate, payment)
+
+    $ due_variable_payment_amortization(5,10000,1.8,2000)
+    $ [{:period=>0, :monthly_payment=>nil, :interest=>nil, :payment=>nil, :balance=>10000},
+     {:period=>1, :payment=>20000.0, :interest=>18000.0, :monthly_payment=>2000, :balance=>8000},
+     {:period=>2, :payment=>16400.0, :interest=>14400.0, :monthly_payment=>2000, :balance=>6000},
+     {:period=>3, :payment=>12800.0, :interest=>10800.0, :monthly_payment=>2000, :balance=>4000},
+     {:period=>4, :payment=>9200.0, :interest=>7200.0, :monthly_payment=>2000, :balance=>2000},
+     {:period=>5, :payment=>5600.0, :interest=>3600.0, :monthly_payment=>2000, :balance=>0}]
+
+
+#### Variable payment amortization anticipated
+anticipated_variable_payment_amortization (periods, amount, rate, payment)
+
+    $ anticipated_variable_payment_amortization(5,10000,1.8,2000)
+    $ [{:period=>0, :payment=>20000.0, :interest=>18000.0, :monthly_payment=>2000, :balance=>8000},
+      {:period=>1, :payment=>16400.0, :interest=>14400.0, :monthly_payment=>2000, :balance=>6000},
+      {:period=>2, :payment=>12800.0, :interest=>10800.0, :monthly_payment=>2000, :balance=>4000},
+      {:period=>3, :payment=>9200.0, :interest=>7200.0, :monthly_payment=>2000, :balance=>2000},
+      {:period=>4, :payment=>5600.0, :interest=>3600.0, :monthly_payment=>2000, :balance=>0}]
+
+#### Amortization with fixed payment due
+due_fixed_payment_amortization (periods, amount, rate, payment)
+
+    $ due_fixed_payment_amortization(5,10000,1.8,2109)
+    $ [{:period=>0, :monthly_payment=>nil, :interest=>nil, :payment=>nil, :balance=>10000},
+      {:period=>1, :payment=>2109, :interest=>18000.0, :monthly_payment=>-15891.0, :balance=>25891.0},
+      {:period=>2, :payment=>2109, :interest=>46603.8, :monthly_payment=>-44494.8, :balance=>70385.8},
+      {:period=>3, :payment=>2109, :interest=>126694.44, :monthly_payment=>-124585.44, :balance=>194971.24},
+      {:period=>4, :payment=>2109, :interest=>350948.232, :monthly_payment=>-348839.232, :balance=>543810.4720000001},
+      {:period=>5, :payment=>2109, :interest=>978858.8496000002, :monthly_payment=>-976749.8496000002, :balance=>1520560.3216000004}]
+
+
+#### Variable payment amortization anticipated
+anticipated_fixed_payment_amortization (periods, amount, rate, payment)
+
+
+#### Find future given the present value
+future_given_present (present_value, interest, term)
+
+    $ future_given_present(10000,1.8,5)
+    $ 1721036.8
+
+#### Find present given the future
+present_given_future (future_value, interest, term)
+
+    $ present_given_future(10000,1.8,5)
+    $ 58.1045
+
+#### Find annuity present value given
+annuity_given_present (present_value, interest, term)
+
+    $ annuity_given_present(10000,1.8,5)
+    $ 18105.1994
+
+#### Find the future value annuity given
+annuity_given_future (future_value, interest, term)
+
+#### Find present given the annuity
+present_given_annuity (annuity, interest, term)
+
+#### Find future given the annuity
+future_given_annuity (annuity, interest, term)
+
+#### Find effective rate given the nominal rate due
+efective_given_nominal_due (nominal_rate, term)
+
+#### Find effective rate given the nominal rate anticipated
+efective_given_nominal_antipipated (nominal_rate, term)
+
+#### Find effective nominal rate given anticipated
+nominal_antipiated_given_efective (nominal_rate, term)
+
+#### Find effective nominal rate given anticipated
+nominal_due_given_efective (nominal_rate, term)
+
+#### Find the fixed anticipated
+anticipated_fixed_payment (present_value, rate, term)
+
+#### Finding variable amount
+variable_payment (amount, periods)
+
+    $ variable_payment(10000,5)
+    $ 2000.0
 
 ## Contributing
 

data/lib/financial_maths/version.rb

@@ -1,3 +1,3 @@
 module FinancialMaths
-  VERSION = "0.0.5"
+  VERSION = "0.0.6"
 end

data/lib/financial_maths.rb

@@ -106,25 +106,43 @@ module FinancialMaths
     (annuity * (((1 + interest.to_f) ** term) -1) / interest.to_f ).round(4)
   end
 
-  # hallar tasa efectiva dado la tasa nominal vencida  NVEF
-  def efective_given_nominal_due(nominal_rate, term)
-    (((1 + nominal_rate.to_f) ** term)-1).round(4)
-  end
-
-  # hallar tasa efectiva dado la tasa nominal anticipada    NAEF
-  def efective_given_nominal_antipipated(nominal_rate, term)
-    (1 / ((1 -  nominal_rate.to_f) ** term)).round(4) - 1
-  end
-
-  # hallar tasa nominal anticipada dado efectiva   EFNV
-  def nominal_antipiated_given_efective(nominal_rate, term)
-    (1 - (1 / (1 +  nominal_rate.to_f) ** (1 / term))).round(4)
-  end
-
-  # hallar tasa nominal anticipada dado efectiva   EFNV
-  def nominal_due_given_efective(nominal_rate, term)
-    ((nominal_rate.to_f + 1) ** (1 / term)).round(4)
-  end
+  # == Conversion rates
+  
+    ## 
+    # Description:  Find effective rate given nominal rate expired - NVEF
+    # Formula:      ((1 + (NOMINAL RATE / PERIODS)) ^ PERIODS) - 1
+    def efective_given_nominal_due(nominal_rate, term)
+      ((((1+((nominal_rate.to_f/100)/term))**term)-1).round(6))*100
+    end
+    
+    ##
+    # Description:  Find effective rate given anticipated nominal rate - NAEF
+    # Formula:      ((1 / ((1- (NOMINAL RATE / PERIODS)) ^ PERIODS)) -1
+    def efective_given_nominal_anticipated(nominal_rate, term)
+      (((1/((1-((nominal_rate.to_f/100)/term))**term))-1)*100).round(4)
+    end
+    
+    ##
+    # Description:  Find nominal rate anticipated given effective rate - EFNV
+    # Formulas:      
+    #               nominalRate   = (1 + EFFECTIVE RATE)^(1 / PERIODS) - 1
+    #               toAnticipated =  nominalRate / 1 + nominalRate
+    #               Returned      -> toAnticipated * PERIODS
+    def nominal_anticipated_given_efective(effective_rate, periods)
+      nominalRate = (1+(effective_rate.to_f/100))**(1/periods.to_f)-1;
+      toAnticipated = nominalRate / (1+nominalRate)
+      (toAnticipated * periods.to_f * 100).round(4)     
+    end
+    
+    ##
+    # Description:  Find nominal rate expired given effective rate - EFNV
+    # Formula:      ((1 + EFFECTIVE RATE) ^ (1 / PERIODS) - 1)* PERIODS
+    def nominal_due_given_efective(effective_rate, periods)    
+      ((((1 + (effective_rate.to_f/100))**(1/periods.to_f)-1)*periods.to_f)*100).round(4)    
+    end
+  
+  # == End conversion rates
+  
   # Hallar la cuota fija anticipada   HCFA
   def anticipated_fixed_payment(present_value, rate, term)
     ((present_value.to_f * rate.to_f) / ((rate.to_f + 1) - (1 / (1 + rate) ** (term - 1)))).round(4)
@@ -134,7 +152,6 @@ module FinancialMaths
     amount.to_f / periods
   end
 
-
 end
 
 

data/spec/spec_helper.rb

@@ -1,6 +1,8 @@
 require 'rubygems'
 require 'bundler/setup'
 require 'financial_maths'
+require 'coveralls'
+Coveralls.wear!
 
 include FinancialMaths
 RSpec.configure do |config|

data/spec/test_payment_spec.rb

@@ -2,10 +2,65 @@ require 'rspec'
 require 'spec_helper'
 
 describe "fixed payment test" do
-
   it 'should be the monthly payment' do
-
     annuity_given_present(100000000, 0.0144594763, 180).should eq(1563975.1395)
+  end
+end
+
+describe "variable payment test" do
+  it "should be the monthly variable payment" do
+    variable_payment(10000000.0,40).should eq(250000)
+  end
+end
+
+describe "due variable payment amortization" do
+  it "should be a hash of payments" do
+    due_variable_payment_amortization(5,10000,1.8,2000).should be_an(Array)
+  end
+end
+
+describe "anticipated vabiable payment amortization" do
+  it "should be a hash of payments" do
+    anticipated_variable_payment_amortization(5,10000,1.8,2000).should be_an(Array)
+  end
+end
+
+describe "due fixed payment amortization" do
+  it "should be a hash of payments" do
+    due_fixed_payment_amortization(5,10000,1.8,2000).should be_an(Array)
+  end
+end
+
+describe "anticipated fixed payment amortization" do
+  it "should be a hash of payments" do
+    anticipated_fixed_payment_amortization(5,10000,1.8,2000).should be_an(Array)
+  end
+end
 
+describe "conversion rates" do
+  describe "Find effective rate given nominal rate expired" do
+    it "should be the respective rate in effective format" do 
+      efective_given_nominal_due(15,12).should eql(16.0755)
+    end
+  end
+  
+  describe "Find effective rate given anticipated nominal rate" do
+    it "should be the respective rate in effective format" do 
+      nominal_anticipated_given_efective(15,12).should eql(13.8951)
+    end
+  end 
+  
+  describe "Find nominal rate anticipated given effective rate" do
+    it "should be the respective rate in nominal format" do 
+      nominal_due_given_efective(15,12).should eql(14.0579)
+    end
   end
-end
+  
+  describe "Find nominal rate expired given effective rate" do
+    it "should be the respective rate in nominal format" do 
+      efective_given_nominal_anticipated(15,12).should eql(16.2933)
+    end
+  end 
+end
+
+

metadata

@@ -1,7 +1,7 @@
 --- !ruby/object:Gem::Specification
 name: financial_maths
 version: !ruby/object:Gem::Version
-  version: 0.0.5
+  version: 0.0.6
   prerelease: 
 platform: ruby
 authors:
@@ -9,7 +9,7 @@ authors:
 autorequire: 
 bindir: bin
 cert_chain: []
-date: 2013-03-11 00:00:00.000000000 Z
+date: 2013-10-29 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: bundler
@@ -51,10 +51,11 @@ extensions: []
 extra_rdoc_files:
 - README.md
 files:
-- .DS_Store
 - .gitignore
+- .project
 - .rspec
 - .travis.yml
+- CHANGELOG.md
 - Gemfile
 - LICENSE.txt
 - README.md
@@ -81,7 +82,7 @@ required_ruby_version: !ruby/object:Gem::Requirement
       version: '0'
       segments:
       - 0
-      hash: 3283559787131876594
+      hash: -4218256195000384150
 required_rubygems_version: !ruby/object:Gem::Requirement
   none: false
   requirements:
@@ -90,7 +91,7 @@ required_rubygems_version: !ruby/object:Gem::Requirement
       version: '0'
       segments:
       - 0
-      hash: 3283559787131876594
+      hash: -4218256195000384150
 requirements: []
 rubyforge_project: 
 rubygems_version: 1.8.25