@jjlmoya/utils-finance 1.1.0

package/src/tool/mortgage/index.ts

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+import type { FinanceToolEntry, ToolLocaleContent, ToolDefinition } from '../../types';
+import MortgageComponent from './component.astro';
+import MortgageSEO from './seo.astro';
+import MortgageBibliography from './bibliography.astro';
+
+import type { MortgageUI } from './ui';
+
+export type MortgageLocaleContent = ToolLocaleContent<MortgageUI>;
+
+import { content as es } from './i18n/es';
+import { content as en } from './i18n/en';
+import { content as fr } from './i18n/fr';
+
+export const mortgage: FinanceToolEntry<MortgageUI> = {
+  id: 'hipoteca',
+  icons: {
+    bg: 'mdi:home-percent',
+    fg: 'mdi:percent',
+  },
+  i18n: {
+    es: async () => es,
+    en: async () => en,
+    fr: async () => fr,
+  },
+};
+
+export { MortgageComponent, MortgageSEO, MortgageBibliography };
+
+export const MORTGAGE_TOOL: ToolDefinition = {
+  entry: mortgage,
+  Component: MortgageComponent,
+  SEOComponent: MortgageSEO,
+  BibliographyComponent: MortgageBibliography,
+};

package/src/tool/mortgage/logic.ts

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+export interface MortgageInput {
+  amount: number;
+  annualInterestRate: number;
+  years: number;
+  monthlyExtraPayment?: number;
+}
+
+export interface MortgageResult {
+  monthlyPayment: number;
+  totalInterest: number;
+  totalPaid: number;
+  amortizationTable: AmortizationRow[];
+  yearsSaved: number;
+  monthsSaved: number;
+  interestSaved: number;
+  originalTotalInterest: number;
+  actualDurationMonths: number;
+}
+
+export interface AmortizationRow {
+  month: number;
+  payment: number;
+  interest: number;
+  principal: number;
+  extraPayment: number;
+  remainingBalance: number;
+}
+
+export class MortgageCalculator {
+  private static calculateMonthlyPayment(amount: number, monthlyRate: number, totalMonths: number): number {
+    if (monthlyRate === 0) {
+      return amount / totalMonths;
+    }
+    const power = Math.pow(1 + monthlyRate, totalMonths);
+    return (amount * (monthlyRate * power)) / (power - 1);
+  }
+
+  private static calculateOriginalInterest(amount: number, monthlyRate: number, totalMonths: number, monthlyPaymentBase: number): number {
+    let originalTotalInterest = 0;
+    let tempBalance = amount;
+    for (let i = 0; i < totalMonths; i++) {
+      const interest = tempBalance * monthlyRate;
+      originalTotalInterest += interest;
+      tempBalance -= monthlyPaymentBase - interest;
+    }
+    return originalTotalInterest;
+  }
+
+  private static processMonthlyPayment(balance: number, monthlyRate: number, monthlyPaymentBase: number, monthlyExtraPayment: number): { interest: number; principal: number; extra: number; newBalance: number } {
+    const interestPayment = balance * monthlyRate;
+    let principalPayment = monthlyPaymentBase - interestPayment;
+    let currentExtra = monthlyExtraPayment;
+
+    if (principalPayment + currentExtra > balance) {
+      if (principalPayment > balance) {
+        principalPayment = balance;
+        currentExtra = 0;
+      } else {
+        currentExtra = balance - principalPayment;
+      }
+      return { interest: interestPayment, principal: principalPayment, extra: currentExtra, newBalance: 0 };
+    }
+
+    const newBalance = balance - principalPayment - currentExtra;
+    return { interest: interestPayment, principal: principalPayment, extra: currentExtra, newBalance: newBalance < 0.01 ? 0 : newBalance };
+  }
+
+  private static buildAmortizationTable(config: { amount: number; monthlyRate: number; totalMonths: number; monthlyPaymentBase: number; monthlyExtraPayment: number }): { table: AmortizationRow[]; totalInterest: number; actualMonths: number } {
+    const { amount, monthlyRate, totalMonths, monthlyPaymentBase, monthlyExtraPayment } = config;
+    const table: AmortizationRow[] = [];
+    let remainingBalance = amount;
+    let totalInterest = 0;
+    let actualMonths = 0;
+
+    for (let month = 1; month <= totalMonths; month++) {
+      const payment = this.processMonthlyPayment(remainingBalance, monthlyRate, monthlyPaymentBase, monthlyExtraPayment);
+
+      totalInterest += payment.interest;
+      actualMonths = month;
+      remainingBalance = payment.newBalance;
+
+      table.push({
+        month,
+        payment: Number((payment.principal + payment.interest + payment.extra).toFixed(2)),
+        interest: Number(payment.interest.toFixed(2)),
+        principal: Number(payment.principal.toFixed(2)),
+        extraPayment: Number(payment.extra.toFixed(2)),
+        remainingBalance: Number(remainingBalance.toFixed(2)),
+      });
+
+      if (remainingBalance <= 0) break;
+    }
+
+    return { table, totalInterest, actualMonths };
+  }
+
+  static calculate(input: MortgageInput): MortgageResult {
+    const { amount, annualInterestRate, years, monthlyExtraPayment = 0 } = input;
+    const monthlyRate = annualInterestRate / 100 / 12;
+    const totalMonths = years * 12;
+
+    const monthlyPaymentBase = this.calculateMonthlyPayment(amount, monthlyRate, totalMonths);
+    const originalTotalInterest = this.calculateOriginalInterest(amount, monthlyRate, totalMonths, monthlyPaymentBase);
+    const { table: amortizationTable, totalInterest, actualMonths } = this.buildAmortizationTable({ amount, monthlyRate, totalMonths, monthlyPaymentBase, monthlyExtraPayment });
+
+    return {
+      monthlyPayment: Number(monthlyPaymentBase.toFixed(2)),
+      totalInterest: Number(totalInterest.toFixed(2)),
+      totalPaid: Number((amount + totalInterest).toFixed(2)),
+      amortizationTable,
+      originalTotalInterest: Number(originalTotalInterest.toFixed(2)),
+      interestSaved: Number((originalTotalInterest - totalInterest).toFixed(2)),
+      actualDurationMonths: actualMonths,
+      monthsSaved: totalMonths - actualMonths,
+      yearsSaved: Number(((totalMonths - actualMonths) / 12).toFixed(1)),
+    };
+  }
+}

package/src/tool/mortgage/seo.astro

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+---
+import { SEORenderer } from '@jjlmoya/utils-shared';
+import { mortgage } from './index';
+import type { KnownLocale } from '../../types';
+
+interface Props {
+  locale?: KnownLocale;
+}
+
+const { locale = 'es' } = Astro.props;
+const content = await mortgage.i18n[locale]?.();
+if (!content) return null;
+---
+<SEORenderer content={{ locale: locale as string, sections: content.seo }} />

package/src/tool/mortgage/ui.ts

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+export interface MortgageUI {
+  labelTitle: string;
+  labelLoanAmount: string;
+  labelInterestRate: string;
+  labelYears: string;
+  labelMonthlyExtra: string;
+  labelMonthlyPayment: string;
+  labelMonthCount: string;
+  labelSavingsCard: string;
+  labelSavingsInterest: string;
+  labelSavingsTime: string;
+  labelTimelineComparison: string;
+  labelTimelineOriginal: string;
+  labelTimelineOptimized: string;
+  labelCostBreakdown: string;
+  labelBorrowed: string;
+  labelTotalBorrowed: string;
+  labelTotalInterest: string;
+  labelAmortizationTable: string;
+  labelTableHeader: string;
+  labelViewAll: string;
+  labelPaid: string;
+  labelTableMonth: string;
+  labelTableInterest: string;
+  labelTablePrincipal: string;
+  labelTableExtra: string;
+  labelTableBalance: string;
+  labelMoreMonths: string;
+  labelMonth: string;
+  currencySymbol: string;
+  currencyCode: string;
+  currencyLocale: string;
+  monthPlural: string;
+  yearPlural: string;
+}

package/src/tool/percentageCalculator/bibliography.astro

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+---
+import { Bibliography as SharedBibliography } from '@jjlmoya/utils-shared';
+import { percentageCalculator } from './index';
+import type { KnownLocale } from '../../types';
+
+interface Props {
+  locale?: KnownLocale;
+}
+
+const { locale = 'es' } = Astro.props;
+const content = await percentageCalculator.i18n[locale]?.();
+---
+
+{content && <SharedBibliography links={content.bibliography} />}