@pyverret/ratejs 1.0.0

package/dist/index.js

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+// src/utils/assertions.ts
+function assertFiniteNumber(value, name) {
+  if (!Number.isFinite(value)) {
+    throw new RangeError(`${name} must be a finite number`);
+  }
+}
+function assertNonNegative(value, name) {
+  assertFiniteNumber(value, name);
+  if (value < 0) {
+    throw new RangeError(`${name} must be >= 0`);
+  }
+}
+function assertPositive(value, name) {
+  assertFiniteNumber(value, name);
+  if (value <= 0) {
+    throw new RangeError(`${name} must be > 0`);
+  }
+}
+
+// src/interest/cagr.ts
+function cagr(params) {
+  const { startValue, endValue, years } = params;
+  assertPositive(startValue, "startValue");
+  assertPositive(years, "years");
+  if (endValue <= 0) return -1;
+  return (endValue / startValue) ** (1 / years) - 1;
+}
+
+// src/interest/compound.ts
+function compound(params) {
+  const { principal, rate, timesPerYear, years } = params;
+  assertNonNegative(principal, "principal");
+  assertPositive(timesPerYear, "timesPerYear");
+  assertNonNegative(years, "years");
+  if (rate === 0 || years === 0) return principal;
+  const n = timesPerYear;
+  const t = years;
+  return principal * (1 + rate / n) ** (n * t);
+}
+
+// src/interest/effectiveAnnualRate.ts
+function effectiveAnnualRate(params) {
+  const { nominalRate, timesPerYear } = params;
+  assertFiniteNumber(nominalRate, "nominalRate");
+  assertPositive(timesPerYear, "timesPerYear");
+  const r = nominalRate / timesPerYear;
+  return (1 + r) ** timesPerYear - 1;
+}
+
+// src/interest/futureValue.ts
+function futureValue(params) {
+  const { presentValue: presentValue2, rate, timesPerYear, years } = params;
+  assertNonNegative(presentValue2, "presentValue");
+  assertPositive(timesPerYear, "timesPerYear");
+  assertNonNegative(years, "years");
+  if (rate === 0 || years === 0) return presentValue2;
+  const n = timesPerYear;
+  const t = years;
+  return presentValue2 * (1 + rate / n) ** (n * t);
+}
+
+// src/interest/inflationAdjustedAmount.ts
+function inflationAdjustedAmount(params) {
+  const { amount, annualInflationRate, years, direction } = params;
+  assertFiniteNumber(amount, "amount");
+  assertFiniteNumber(annualInflationRate, "annualInflationRate");
+  assertNonNegative(years, "years");
+  const factor = (1 + annualInflationRate) ** years;
+  return direction === "toPast" ? amount / factor : amount * factor;
+}
+
+// src/interest/investmentGrowth.ts
+function investmentGrowth(params) {
+  const {
+    initial,
+    contributionPerPeriod = 0,
+    rate,
+    timesPerYear,
+    years,
+    contributionTiming = "end"
+  } = params;
+  assertNonNegative(initial, "initial");
+  assertNonNegative(contributionPerPeriod, "contributionPerPeriod");
+  assertPositive(timesPerYear, "timesPerYear");
+  assertNonNegative(years, "years");
+  const periods = Math.round(timesPerYear * years);
+  if (periods === 0) {
+    return {
+      futureValue: initial,
+      totalContributions: 0,
+      totalInterest: 0
+    };
+  }
+  const r = rate / timesPerYear;
+  const fvInitial = rate === 0 ? initial : initial * (1 + r) ** periods;
+  let fvContrib = 0;
+  if (contributionPerPeriod !== 0) {
+    if (rate === 0) {
+      fvContrib = contributionPerPeriod * periods;
+    } else {
+      const ordinary = contributionPerPeriod * (((1 + r) ** periods - 1) / r);
+      fvContrib = contributionTiming === "begin" ? ordinary * (1 + r) : ordinary;
+    }
+  }
+  const futureValue2 = fvInitial + fvContrib;
+  const totalContributions = contributionPerPeriod * periods;
+  const totalInterest = futureValue2 - initial - totalContributions;
+  return { futureValue: futureValue2, totalContributions, totalInterest };
+}
+
+// src/interest/irr.ts
+function npv(rate, cashFlows) {
+  let sum = 0;
+  for (let t = 0; t < cashFlows.length; t++) {
+    const cf = cashFlows[t];
+    if (cf !== void 0) sum += cf / (1 + rate) ** t;
+  }
+  return sum;
+}
+function npvDerivative(rate, cashFlows) {
+  let sum = 0;
+  for (let t = 1; t < cashFlows.length; t++) {
+    const cf = cashFlows[t];
+    if (cf !== void 0) sum -= t * cf / (1 + rate) ** (t + 1);
+  }
+  return sum;
+}
+function irr(params) {
+  const { cashFlows, guess = 0.1, maxIterations = 100 } = params;
+  if (cashFlows.length === 0) return NaN;
+  for (const cf of cashFlows) assertFiniteNumber(cf, "cashFlows[]");
+  let r = guess;
+  for (let i = 0; i < maxIterations; i++) {
+    const val = npv(r, cashFlows);
+    if (Math.abs(val) < 1e-10) return r;
+    const der = npvDerivative(r, cashFlows);
+    if (!Number.isFinite(der) || Math.abs(der) < 1e-15) break;
+    r = r - val / der;
+    if (r < -0.99) r = -0.99;
+    if (r > 10) r = 10;
+  }
+  return r;
+}
+
+// src/interest/paymentFromPresentValue.ts
+function paymentFromPresentValue(params) {
+  const { presentValue: presentValue2, ratePerPeriod, periods, timing = "end" } = params;
+  assertNonNegative(presentValue2, "presentValue");
+  assertNonNegative(periods, "periods");
+  if (presentValue2 === 0 || periods === 0) return 0;
+  if (ratePerPeriod === 0) {
+    const pmt2 = presentValue2 / periods;
+    return timing === "begin" ? pmt2 / (1 + ratePerPeriod) : pmt2;
+  }
+  let pmt = ratePerPeriod * presentValue2 / (1 - (1 + ratePerPeriod) ** -periods);
+  if (timing === "begin") pmt /= 1 + ratePerPeriod;
+  return pmt;
+}
+
+// src/interest/periodsToReachGoal.ts
+function periodsToReachGoal(params) {
+  const {
+    principal,
+    targetFutureValue,
+    rate,
+    timesPerYear,
+    contributionPerPeriod = 0,
+    contributionTiming = "end"
+  } = params;
+  assertNonNegative(principal, "principal");
+  assertNonNegative(targetFutureValue, "targetFutureValue");
+  assertFiniteNumber(rate, "rate");
+  assertPositive(timesPerYear, "timesPerYear");
+  assertNonNegative(contributionPerPeriod, "contributionPerPeriod");
+  if (targetFutureValue <= principal) return 0;
+  const r = rate / timesPerYear;
+  if (r <= -1) {
+    throw new RangeError("rate / timesPerYear must be > -1");
+  }
+  if (contributionPerPeriod === 0) {
+    if (principal === 0) return Number.POSITIVE_INFINITY;
+    if (rate === 0) return targetFutureValue <= principal ? 0 : Number.POSITIVE_INFINITY;
+    if (r < 0) return Number.POSITIVE_INFINITY;
+    const n = Math.log(targetFutureValue / principal) / Math.log(1 + r);
+    return Number.isFinite(n) && n >= 0 ? Math.ceil(n) : Number.POSITIVE_INFINITY;
+  }
+  if (rate === 0) {
+    const needed = targetFutureValue - principal;
+    if (needed <= 0) return 0;
+    return Math.ceil(needed / contributionPerPeriod);
+  }
+  let fv = principal;
+  let periods = 0;
+  const maxPeriods = 1e4;
+  while (fv < targetFutureValue && periods < maxPeriods) {
+    if (contributionTiming === "begin") fv += contributionPerPeriod;
+    fv = fv * (1 + r) + (contributionTiming === "end" ? contributionPerPeriod : 0);
+    periods++;
+  }
+  return fv >= targetFutureValue ? periods : Number.POSITIVE_INFINITY;
+}
+
+// src/interest/presentValue.ts
+function presentValue(params) {
+  const { futureValue: fv, rate, timesPerYear, years } = params;
+  assertNonNegative(fv, "futureValue");
+  assertPositive(timesPerYear, "timesPerYear");
+  assertNonNegative(years, "years");
+  if (rate === 0 || years === 0) return fv;
+  const n = timesPerYear;
+  const t = years;
+  return fv / (1 + rate / n) ** (n * t);
+}
+
+// src/interest/presentValueOfAnnuity.ts
+function presentValueOfAnnuity(params) {
+  const { paymentPerPeriod, ratePerPeriod, periods, timing = "end" } = params;
+  assertNonNegative(paymentPerPeriod, "paymentPerPeriod");
+  assertNonNegative(periods, "periods");
+  if (periods === 0) return 0;
+  if (ratePerPeriod === 0) {
+    const pv2 = paymentPerPeriod * periods;
+    return timing === "begin" ? pv2 * (1 + ratePerPeriod) : pv2;
+  }
+  const pv = paymentPerPeriod * (1 - (1 + ratePerPeriod) ** -periods) / ratePerPeriod;
+  return timing === "begin" ? pv * (1 + ratePerPeriod) : pv;
+}
+
+// src/interest/rateToReachGoal.ts
+function rateToReachGoal(params) {
+  const {
+    principal,
+    targetFutureValue,
+    periods,
+    contributionPerPeriod = 0,
+    contributionTiming = "end"
+  } = params;
+  assertNonNegative(principal, "principal");
+  assertNonNegative(targetFutureValue, "targetFutureValue");
+  assertPositive(periods, "periods");
+  assertNonNegative(contributionPerPeriod, "contributionPerPeriod");
+  if (periods === 0) return 0;
+  if (targetFutureValue <= principal && contributionPerPeriod === 0) return 0;
+  if (contributionPerPeriod === 0) {
+    if (targetFutureValue <= principal) return 0;
+    return (targetFutureValue / principal) ** (1 / periods) - 1;
+  }
+  const dueFactor = contributionTiming === "begin" ? 1 : 0;
+  let r = (targetFutureValue / (principal + contributionPerPeriod * periods)) ** (1 / periods) - 1;
+  if (r <= -1) r = 0.01;
+  for (let i = 0; i < 100; i++) {
+    const onePlusR = 1 + r;
+    const onePlusRN = onePlusR ** periods;
+    const fvLump = principal * onePlusRN;
+    const annuity = contributionPerPeriod * ((onePlusRN - 1) / (r || 1e-14)) * (1 + dueFactor * r);
+    const fv = fvLump + annuity;
+    const err = fv - targetFutureValue;
+    if (Math.abs(err) < 1e-10) return r;
+    const dr = r * 1e-6 || 1e-10;
+    const r2 = r + dr;
+    const onePlusR2 = 1 + r2;
+    const onePlusR2N = onePlusR2 ** periods;
+    const fv2 = principal * onePlusR2N + contributionPerPeriod * ((onePlusR2N - 1) / r2) * (1 + dueFactor * r2);
+    const dFvDr = (fv2 - fv) / dr;
+    r = r - err / dFvDr;
+    if (r <= -1) r = 0.01;
+    if (r > 10) r = 10;
+  }
+  return r;
+}
+
+// src/interest/realReturn.ts
+function realReturn(params) {
+  const { nominalReturn, inflationRate } = params;
+  assertFiniteNumber(nominalReturn, "nominalReturn");
+  assertFiniteNumber(inflationRate, "inflationRate");
+  if (inflationRate <= -1) return NaN;
+  return (1 + nominalReturn) / (1 + inflationRate) - 1;
+}
+
+// src/interest/ruleOf72.ts
+function ruleOf72(params) {
+  const { rate, constant = 72 } = params;
+  assertFiniteNumber(rate, "rate");
+  assertPositive(rate, "rate");
+  return constant / 100 / rate;
+}
+
+// src/loans/loanPayment.ts
+function loanPayment(params) {
+  const { principal, annualRate, paymentsPerYear, years } = params;
+  assertNonNegative(principal, "principal");
+  assertPositive(paymentsPerYear, "paymentsPerYear");
+  assertNonNegative(years, "years");
+  const n = Math.round(paymentsPerYear * years);
+  if (n === 0) return 0;
+  const r = annualRate / paymentsPerYear;
+  if (r === 0) return principal / n;
+  return r * principal / (1 - (1 + r) ** -n);
+}
+
+// src/loans/amortizationSchedule.ts
+function amortizationSchedule(params) {
+  const { principal, annualRate, paymentsPerYear, years, extraPaymentPerPeriod = 0 } = params;
+  assertNonNegative(principal, "principal");
+  assertPositive(paymentsPerYear, "paymentsPerYear");
+  assertNonNegative(years, "years");
+  assertNonNegative(extraPaymentPerPeriod, "extraPaymentPerPeriod");
+  const scheduledN = Math.round(paymentsPerYear * years);
+  if (scheduledN === 0 || principal === 0) {
+    return { paymentPerPeriod: 0, schedule: [], totalPaid: 0, totalInterest: 0 };
+  }
+  const basePayment = loanPayment({ principal, annualRate, paymentsPerYear, years });
+  const r = annualRate / paymentsPerYear;
+  const schedule = [];
+  let balance = principal;
+  let totalPaid = 0;
+  let totalInterest = 0;
+  for (let period = 1; period <= scheduledN && balance > 0; period++) {
+    const interestPayment = r === 0 ? 0 : balance * r;
+    let payment = basePayment + extraPaymentPerPeriod;
+    let principalPayment = payment - interestPayment;
+    if (principalPayment > balance) {
+      principalPayment = balance;
+      payment = principalPayment + interestPayment;
+    }
+    balance = balance - principalPayment;
+    if (Math.abs(balance) < 1e-12) balance = 0;
+    totalPaid += payment;
+    totalInterest += interestPayment;
+    schedule.push({
+      period,
+      payment,
+      principalPayment,
+      interestPayment,
+      balance
+    });
+  }
+  return {
+    paymentPerPeriod: basePayment,
+    schedule,
+    totalPaid,
+    totalInterest
+  };
+}
+
+// src/loans/payoffPeriodWithExtra.ts
+function payoffPeriodWithExtra(params) {
+  const { principal, annualRate, paymentsPerYear, basePaymentPerPeriod, extraPaymentPerPeriod } = params;
+  assertNonNegative(principal, "principal");
+  assertFiniteNumber(annualRate, "annualRate");
+  assertPositive(paymentsPerYear, "paymentsPerYear");
+  assertNonNegative(basePaymentPerPeriod, "basePaymentPerPeriod");
+  assertNonNegative(extraPaymentPerPeriod, "extraPaymentPerPeriod");
+  if (principal <= 0) return 0;
+  const payment = basePaymentPerPeriod + extraPaymentPerPeriod;
+  if (payment <= 0) return Number.POSITIVE_INFINITY;
+  const r = annualRate / paymentsPerYear;
+  let balance = principal;
+  let period = 0;
+  while (balance > 1e-12 && period < 1e5) {
+    const interest = r > 0 ? balance * r : 0;
+    if (payment <= interest) return Number.POSITIVE_INFINITY;
+    const principalPaid = Math.min(payment - interest, balance);
+    balance -= principalPaid;
+    period++;
+  }
+  return balance <= 1e-12 ? period : Number.POSITIVE_INFINITY;
+}
+
+// src/loans/remainingBalance.ts
+function remainingBalance(params) {
+  const { principal, annualRate, paymentsPerYear, years, afterPeriodNumber } = params;
+  assertNonNegative(principal, "principal");
+  assertPositive(paymentsPerYear, "paymentsPerYear");
+  assertNonNegative(years, "years");
+  assertNonNegative(afterPeriodNumber, "afterPeriodNumber");
+  const n = Math.round(paymentsPerYear * years);
+  if (n === 0 || afterPeriodNumber >= n) return 0;
+  if (afterPeriodNumber <= 0) return principal;
+  const payment = loanPayment({ principal, annualRate, paymentsPerYear, years });
+  const r = annualRate / paymentsPerYear;
+  const k = afterPeriodNumber;
+  if (r === 0) return Math.max(0, principal - payment * k);
+  const balance = principal * (1 + r) ** k - payment * (((1 + r) ** k - 1) / r);
+  return Math.max(0, balance);
+}
+
+// src/utils/roundToCurrency.ts
+function roundToCurrency(params) {
+  const { value, decimals = 2, mode = "half-up" } = params;
+  assertFiniteNumber(value, "value");
+  const d = Math.max(0, Math.floor(decimals));
+  const factor = 10 ** d;
+  if (mode === "half-even") {
+    const scaled = value * factor;
+    const rounded = Math.round(scaled);
+    const remainder = Math.abs(scaled - rounded);
+    if (remainder === 0.5) {
+      const down = Math.floor(scaled);
+      return (down % 2 === 0 ? down : down + 1) / factor;
+    }
+    return rounded / factor;
+  }
+  return Math.round(value * factor) / factor;
+}
+
+export { amortizationSchedule, cagr, compound, effectiveAnnualRate, futureValue, inflationAdjustedAmount, investmentGrowth, irr, loanPayment, paymentFromPresentValue, payoffPeriodWithExtra, periodsToReachGoal, presentValue, presentValueOfAnnuity, rateToReachGoal, realReturn, remainingBalance, roundToCurrency, ruleOf72 };
+//# sourceMappingURL=index.js.map
+//# sourceMappingURL=index.js.map

package/dist/index.js.map

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function assertFiniteNumber(value: number, name: string): void {\n  if (!Number.isFinite(value)) {\n    throw new RangeError(`${name} must be a finite number`);\n  }\n}\n\nexport function assertNonNegative(value: number, name: string): void {\n  assertFiniteNumber(value, name);\n  if (value < 0) {\n    throw new RangeError(`${name} must be >= 0`);\n  }\n}\n\nexport function assertPositive(value: number, name: string): void {\n  assertFiniteNumber(value, name);\n  if (value <= 0) {\n    throw new RangeError(`${name} must be > 0`);\n  }\n}\n","import { assertPositive } from \"../utils/assertions.js\";\n\nexport type CagrParams = {\n  startValue: number;\n  endValue: number;\n  years: number;\n};\n\n/**\n * Compound annual growth rate (CAGR) between start and end value over the given years.\n * CAGR = (endValue/startValue)^(1/years) - 1\n */\nexport function cagr(params: CagrParams): number {\n  const { startValue, endValue, years } = params;\n  assertPositive(startValue, \"startValue\");\n  assertPositive(years, \"years\");\n  if (endValue <= 0) return -1;\n  return (endValue / startValue) ** (1 / years) - 1;\n}\n","import { assertNonNegative, assertPositive } from \"../utils/assertions.js\";\n\nexport type CompoundParams = {\n  principal: number;\n  rate: number;\n  timesPerYear: number;\n  years: number;\n};\n\n/**\n * Computes compound growth using nominal annual `rate` compounded `timesPerYear`.\n * Returns the final amount (principal + interest).\n */\nexport function compound(params: CompoundParams): number {\n  const { principal, rate, timesPerYear, years } = params;\n  assertNonNegative(principal, \"principal\");\n  assertPositive(timesPerYear, \"timesPerYear\");\n  assertNonNegative(years, \"years\");\n\n  if (rate === 0 || years === 0) return principal;\n\n  const n = timesPerYear;\n  const t = years;\n  return principal * (1 + rate / n) ** (n * t);\n}\n","import { assertFiniteNumber, assertPositive } from \"../utils/assertions.js\";\n\nexport type EffectiveAnnualRateParams = {\n  nominalRate: number;\n  timesPerYear: number;\n};\n\n/**\n * Converts a nominal annual rate to effective annual rate (EAR).\n * EAR = (1 + nominalRate/timesPerYear)^timesPerYear - 1\n */\nexport function effectiveAnnualRate(params: EffectiveAnnualRateParams): number {\n  const { nominalRate, timesPerYear } = params;\n  assertFiniteNumber(nominalRate, \"nominalRate\");\n  assertPositive(timesPerYear, \"timesPerYear\");\n\n  const r = nominalRate / timesPerYear;\n  return (1 + r) ** timesPerYear - 1;\n}\n","import { assertNonNegative, assertPositive } from \"../utils/assertions.js\";\n\nexport type FutureValueParams = {\n  presentValue: number;\n  rate: number;\n  timesPerYear: number;\n  years: number;\n};\n\n/**\n * Future value of a lump sum using nominal annual `rate` compounded `timesPerYear`.\n */\nexport function futureValue(params: FutureValueParams): number {\n  const { presentValue, rate, timesPerYear, years } = params;\n  assertNonNegative(presentValue, \"presentValue\");\n  assertPositive(timesPerYear, \"timesPerYear\");\n  assertNonNegative(years, \"years\");\n\n  if (rate === 0 || years === 0) return presentValue;\n\n  const n = timesPerYear;\n  const t = years;\n  return presentValue * (1 + rate / n) ** (n * t);\n}\n","import { assertFiniteNumber, assertNonNegative } from \"../utils/assertions.js\";\n\nexport type InflationAdjustedAmountParams = {\n  amount: number;\n  annualInflationRate: number;\n  years: number;\n  direction: \"toPast\" | \"toFuture\";\n};\n\n/**\n * Purchasing power across time. toPast: amount/(1+rate)^years. toFuture: amount*(1+rate)^years.\n */\nexport function inflationAdjustedAmount(params: InflationAdjustedAmountParams): number {\n  const { amount, annualInflationRate, years, direction } = params;\n  assertFiniteNumber(amount, \"amount\");\n  assertFiniteNumber(annualInflationRate, \"annualInflationRate\");\n  assertNonNegative(years, \"years\");\n  const factor = (1 + annualInflationRate) ** years;\n  return direction === \"toPast\" ? amount / factor : amount * factor;\n}\n","import { assertNonNegative, assertPositive } from \"../utils/assertions.js\";\n\nexport type InvestmentGrowthParams = {\n  initial: number;\n  contributionPerPeriod?: number;\n  rate: number;\n  timesPerYear: number;\n  years: number;\n  contributionTiming?: \"end\" | \"begin\";\n};\n\nexport type InvestmentGrowthResult = {\n  futureValue: number;\n  totalContributions: number;\n  totalInterest: number;\n};\n\n/**\n * Future value of an investment with optional periodic contributions.\n *\n * - `rate` is nominal annual rate (e.g. 0.05 for 5%)\n * - contributions occur each compounding period (`timesPerYear`)\n */\nexport function investmentGrowth(params: InvestmentGrowthParams): InvestmentGrowthResult {\n  const {\n    initial,\n    contributionPerPeriod = 0,\n    rate,\n    timesPerYear,\n    years,\n    contributionTiming = \"end\",\n  } = params;\n\n  assertNonNegative(initial, \"initial\");\n  assertNonNegative(contributionPerPeriod, \"contributionPerPeriod\");\n  assertPositive(timesPerYear, \"timesPerYear\");\n  assertNonNegative(years, \"years\");\n\n  const periods = Math.round(timesPerYear * years);\n  if (periods === 0) {\n    return {\n      futureValue: initial,\n      totalContributions: 0,\n      totalInterest: 0,\n    };\n  }\n\n  const r = rate / timesPerYear;\n\n  // Lump sum growth\n  const fvInitial = rate === 0 ? initial : initial * (1 + r) ** periods;\n\n  // Annuity future value (ordinary vs due)\n  let fvContrib = 0;\n  if (contributionPerPeriod !== 0) {\n    if (rate === 0) {\n      fvContrib = contributionPerPeriod * periods;\n    } else {\n      const ordinary = contributionPerPeriod * (((1 + r) ** periods - 1) / r);\n      fvContrib = contributionTiming === \"begin\" ? ordinary * (1 + r) : ordinary;\n    }\n  }\n\n  const futureValue = fvInitial + fvContrib;\n  const totalContributions = contributionPerPeriod * periods;\n  const totalInterest = futureValue - initial - totalContributions;\n\n  return { futureValue, totalContributions, totalInterest };\n}\n","import { assertFiniteNumber } from \"../utils/assertions.js\";\n\nexport type IrrParams = {\n  cashFlows: number[];\n  guess?: number;\n  maxIterations?: number;\n};\n\nfunction npv(rate: number, cashFlows: number[]): number {\n  let sum = 0;\n  for (let t = 0; t < cashFlows.length; t++) {\n    const cf = cashFlows[t];\n    if (cf !== undefined) sum += cf / (1 + rate) ** t;\n  }\n  return sum;\n}\n\nfunction npvDerivative(rate: number, cashFlows: number[]): number {\n  let sum = 0;\n  for (let t = 1; t < cashFlows.length; t++) {\n    const cf = cashFlows[t];\n    if (cf !== undefined) sum -= (t * cf) / (1 + rate) ** (t + 1);\n  }\n  return sum;\n}\n\nexport function irr(params: IrrParams): number {\n  const { cashFlows, guess = 0.1, maxIterations = 100 } = params;\n  if (cashFlows.length === 0) return NaN;\n  for (const cf of cashFlows) assertFiniteNumber(cf, \"cashFlows[]\");\n  let r = guess;\n  for (let i = 0; i < maxIterations; i++) {\n    const val = npv(r, cashFlows);\n    if (Math.abs(val) < 1e-10) return r;\n    const der = npvDerivative(r, cashFlows);\n    if (!Number.isFinite(der) || Math.abs(der) < 1e-15) break;\n    r = r - val / der;\n    if (r < -0.99) r = -0.99;\n    if (r > 10) r = 10;\n  }\n  return r;\n}\n","import { assertNonNegative } from \"../utils/assertions.js\";\n\nexport type PaymentFromPresentValueParams = {\n  presentValue: number;\n  ratePerPeriod: number;\n  periods: number;\n  /** Payment at start of each period (annuity due). Default end (ordinary). */\n  timing?: \"end\" | \"begin\";\n};\n\n/**\n * Periodic payment required to pay off a present value (e.g. loan) over periods.\n * PMT = PV * r / (1 - (1+r)^-n). For due: divide by (1+r).\n */\nexport function paymentFromPresentValue(params: PaymentFromPresentValueParams): number {\n  const { presentValue, ratePerPeriod, periods, timing = \"end\" } = params;\n  assertNonNegative(presentValue, \"presentValue\");\n  assertNonNegative(periods, \"periods\");\n\n  if (presentValue === 0 || periods === 0) return 0;\n  if (ratePerPeriod === 0) {\n    const pmt = presentValue / periods;\n    return timing === \"begin\" ? pmt / (1 + ratePerPeriod) : pmt;\n  }\n  let pmt = (ratePerPeriod * presentValue) / (1 - (1 + ratePerPeriod) ** -periods);\n  if (timing === \"begin\") pmt /= 1 + ratePerPeriod;\n  return pmt;\n}\n","import { assertFiniteNumber, assertNonNegative, assertPositive } from \"../utils/assertions.js\";\n\nexport type PeriodsToReachGoalParams = {\n  principal: number;\n  targetFutureValue: number;\n  rate: number;\n  timesPerYear: number;\n  contributionPerPeriod?: number;\n  contributionTiming?: \"end\" | \"begin\";\n};\n\n/**\n * Number of compounding periods until future value reaches the goal.\n * With no contributions: closed form. With contributions: iterative.\n */\nexport function periodsToReachGoal(params: PeriodsToReachGoalParams): number {\n  const {\n    principal,\n    targetFutureValue,\n    rate,\n    timesPerYear,\n    contributionPerPeriod = 0,\n    contributionTiming = \"end\",\n  } = params;\n\n  assertNonNegative(principal, \"principal\");\n  assertNonNegative(targetFutureValue, \"targetFutureValue\");\n  assertFiniteNumber(rate, \"rate\");\n  assertPositive(timesPerYear, \"timesPerYear\");\n  assertNonNegative(contributionPerPeriod, \"contributionPerPeriod\");\n\n  if (targetFutureValue <= principal) return 0;\n\n  const r = rate / timesPerYear;\n  if (r <= -1) {\n    throw new RangeError(\"rate / timesPerYear must be > -1\");\n  }\n\n  if (contributionPerPeriod === 0) {\n    if (principal === 0) return Number.POSITIVE_INFINITY;\n    if (rate === 0) return targetFutureValue <= principal ? 0 : Number.POSITIVE_INFINITY;\n    if (r < 0) return Number.POSITIVE_INFINITY;\n    const n = Math.log(targetFutureValue / principal) / Math.log(1 + r);\n    return Number.isFinite(n) && n >= 0 ? Math.ceil(n) : Number.POSITIVE_INFINITY;\n  }\n\n  if (rate === 0) {\n    const needed = targetFutureValue - principal;\n    if (needed <= 0) return 0;\n    return Math.ceil(needed / contributionPerPeriod);\n  }\n\n  // With contributions: iterate until FV >= target\n  let fv = principal;\n  let periods = 0;\n  const maxPeriods = 10000;\n  while (fv < targetFutureValue && periods < maxPeriods) {\n    if (contributionTiming === \"begin\") fv += contributionPerPeriod;\n    fv = fv * (1 + r) + (contributionTiming === \"end\" ? contributionPerPeriod : 0);\n    periods++;\n  }\n  return fv >= targetFutureValue ? periods : Number.POSITIVE_INFINITY;\n}\n","import { assertNonNegative, assertPositive } from \"../utils/assertions.js\";\n\nexport type PresentValueParams = {\n  futureValue: number;\n  rate: number;\n  timesPerYear: number;\n  years: number;\n};\n\n/**\n * Present value of a lump sum using nominal annual `rate` compounded `timesPerYear`.\n */\nexport function presentValue(params: PresentValueParams): number {\n  const { futureValue: fv, rate, timesPerYear, years } = params;\n  assertNonNegative(fv, \"futureValue\");\n  assertPositive(timesPerYear, \"timesPerYear\");\n  assertNonNegative(years, \"years\");\n\n  if (rate === 0 || years === 0) return fv;\n\n  const n = timesPerYear;\n  const t = years;\n  return fv / (1 + rate / n) ** (n * t);\n}\n","import { assertNonNegative } from \"../utils/assertions.js\";\n\nexport type PresentValueOfAnnuityParams = {\n  paymentPerPeriod: number;\n  ratePerPeriod: number;\n  periods: number;\n  timing?: \"end\" | \"begin\";\n};\n\n/**\n * Present value of an annuity. PV = PMT * (1 - (1+r)^-n) / r. Due: multiply by (1+r).\n */\nexport function presentValueOfAnnuity(params: PresentValueOfAnnuityParams): number {\n  const { paymentPerPeriod, ratePerPeriod, periods, timing = \"end\" } = params;\n  assertNonNegative(paymentPerPeriod, \"paymentPerPeriod\");\n  assertNonNegative(periods, \"periods\");\n\n  if (periods === 0) return 0;\n  if (ratePerPeriod === 0) {\n    const pv = paymentPerPeriod * periods;\n    return timing === \"begin\" ? pv * (1 + ratePerPeriod) : pv;\n  }\n  const pv = (paymentPerPeriod * (1 - (1 + ratePerPeriod) ** -periods)) / ratePerPeriod;\n  return timing === \"begin\" ? pv * (1 + ratePerPeriod) : pv;\n}\n","import { assertNonNegative, assertPositive } from \"../utils/assertions.js\";\n\nexport type RateToReachGoalParams = {\n  principal: number;\n  targetFutureValue: number;\n  periods: number;\n  contributionPerPeriod?: number;\n  contributionTiming?: \"end\" | \"begin\";\n};\n\n/**\n * Rate per period required to reach target future value in given periods.\n * Uses Newton-Raphson when contributions are present; closed form for lump sum.\n */\nexport function rateToReachGoal(params: RateToReachGoalParams): number {\n  const {\n    principal,\n    targetFutureValue,\n    periods,\n    contributionPerPeriod = 0,\n    contributionTiming = \"end\",\n  } = params;\n\n  assertNonNegative(principal, \"principal\");\n  assertNonNegative(targetFutureValue, \"targetFutureValue\");\n  assertPositive(periods, \"periods\");\n  assertNonNegative(contributionPerPeriod, \"contributionPerPeriod\");\n\n  if (periods === 0) return 0;\n  if (targetFutureValue <= principal && contributionPerPeriod === 0) return 0;\n\n  if (contributionPerPeriod === 0) {\n    if (targetFutureValue <= principal) return 0;\n    return (targetFutureValue / principal) ** (1 / periods) - 1;\n  }\n\n  // FV = principal*(1+r)^n + PMT * ((1+r)^n - 1)/r (ordinary) or PMT * (1+r) * ((1+r)^n - 1)/r (due)\n  // Solve for r with Newton-Raphson\n  const dueFactor = contributionTiming === \"begin\" ? 1 : 0;\n  let r = (targetFutureValue / (principal + contributionPerPeriod * periods)) ** (1 / periods) - 1;\n  if (r <= -1) r = 0.01;\n\n  for (let i = 0; i < 100; i++) {\n    const onePlusR = 1 + r;\n    const onePlusRN = onePlusR ** periods;\n    const fvLump = principal * onePlusRN;\n    const annuity = contributionPerPeriod * ((onePlusRN - 1) / (r || 1e-14)) * (1 + dueFactor * r);\n    const fv = fvLump + annuity;\n    const err = fv - targetFutureValue;\n    if (Math.abs(err) < 1e-10) return r;\n    // Derivative approximation\n    const dr = r * 1e-6 || 1e-10;\n    const r2 = r + dr;\n    const onePlusR2 = 1 + r2;\n    const onePlusR2N = onePlusR2 ** periods;\n    const fv2 =\n      principal * onePlusR2N +\n      contributionPerPeriod * ((onePlusR2N - 1) / r2) * (1 + dueFactor * r2);\n    const dFvDr = (fv2 - fv) / dr;\n    r = r - err / dFvDr;\n    if (r <= -1) r = 0.01;\n    if (r > 10) r = 10;\n  }\n  return r;\n}\n","import { assertFiniteNumber } from \"../utils/assertions.js\";\n\nexport type RealReturnParams = { nominalReturn: number; inflationRate: number };\n\nexport function realReturn(params: RealReturnParams): number {\n  const { nominalReturn, inflationRate } = params;\n  assertFiniteNumber(nominalReturn, \"nominalReturn\");\n  assertFiniteNumber(inflationRate, \"inflationRate\");\n  if (inflationRate <= -1) return NaN;\n  return (1 + nominalReturn) / (1 + inflationRate) - 1;\n}\n","import { assertFiniteNumber, assertPositive } from \"../utils/assertions.js\";\n\nexport type RuleOf72Params = {\n  rate: number;\n  /** Use 69 for continuous-ish approximation (e.g. daily compounding). Default 72. */\n  constant?: 72 | 69;\n};\n\n/**\n * Approximate years to double a lump sum at the given annual rate.\n * rate is decimal (e.g. 0.07 for 7%). Uses rule of 72 by default, or 69 if specified.\n */\nexport function ruleOf72(params: RuleOf72Params): number {\n  const { rate, constant = 72 } = params;\n  assertFiniteNumber(rate, \"rate\");\n  assertPositive(rate, \"rate\");\n  return constant / 100 / rate;\n}\n","import { assertNonNegative, assertPositive } from \"../utils/assertions.js\";\n\nexport type LoanPaymentParams = {\n  principal: number;\n  annualRate: number;\n  paymentsPerYear: number;\n  years: number;\n};\n\n/**\n * Fixed periodic payment for an amortizing loan.\n *\n * - `annualRate` is nominal annual rate (e.g. 0.06 for 6%)\n * - payment returned is per period (`paymentsPerYear`)\n */\nexport function loanPayment(params: LoanPaymentParams): number {\n  const { principal, annualRate, paymentsPerYear, years } = params;\n  assertNonNegative(principal, \"principal\");\n  assertPositive(paymentsPerYear, \"paymentsPerYear\");\n  assertNonNegative(years, \"years\");\n\n  const n = Math.round(paymentsPerYear * years);\n  if (n === 0) return 0;\n\n  const r = annualRate / paymentsPerYear;\n  if (r === 0) return principal / n;\n\n  return (r * principal) / (1 - (1 + r) ** -n);\n}\n","import { assertNonNegative, assertPositive } from \"../utils/assertions.js\";\nimport { loanPayment } from \"./loanPayment.js\";\n\nexport type AmortizationScheduleParams = {\n  principal: number;\n  annualRate: number;\n  paymentsPerYear: number;\n  years: number;\n  extraPaymentPerPeriod?: number;\n};\n\nexport type AmortizationRow = {\n  period: number;\n  payment: number;\n  principalPayment: number;\n  interestPayment: number;\n  balance: number;\n};\n\nexport type AmortizationScheduleResult = {\n  paymentPerPeriod: number;\n  schedule: AmortizationRow[];\n  totalPaid: number;\n  totalInterest: number;\n};\n\nexport function amortizationSchedule(\n  params: AmortizationScheduleParams,\n): AmortizationScheduleResult {\n  const { principal, annualRate, paymentsPerYear, years, extraPaymentPerPeriod = 0 } = params;\n  assertNonNegative(principal, \"principal\");\n  assertPositive(paymentsPerYear, \"paymentsPerYear\");\n  assertNonNegative(years, \"years\");\n  assertNonNegative(extraPaymentPerPeriod, \"extraPaymentPerPeriod\");\n\n  const scheduledN = Math.round(paymentsPerYear * years);\n  if (scheduledN === 0 || principal === 0) {\n    return { paymentPerPeriod: 0, schedule: [], totalPaid: 0, totalInterest: 0 };\n  }\n\n  const basePayment = loanPayment({ principal, annualRate, paymentsPerYear, years });\n  const r = annualRate / paymentsPerYear;\n\n  const schedule: AmortizationRow[] = [];\n  let balance = principal;\n  let totalPaid = 0;\n  let totalInterest = 0;\n\n  for (let period = 1; period <= scheduledN && balance > 0; period++) {\n    const interestPayment = r === 0 ? 0 : balance * r;\n    let payment = basePayment + extraPaymentPerPeriod;\n    let principalPayment = payment - interestPayment;\n\n    if (principalPayment > balance) {\n      principalPayment = balance;\n      payment = principalPayment + interestPayment;\n    }\n\n    balance = balance - principalPayment;\n    if (Math.abs(balance) < 1e-12) balance = 0;\n\n    totalPaid += payment;\n    totalInterest += interestPayment;\n\n    schedule.push({\n      period,\n      payment,\n      principalPayment,\n      interestPayment,\n      balance,\n    });\n  }\n\n  return {\n    paymentPerPeriod: basePayment,\n    schedule,\n    totalPaid,\n    totalInterest,\n  };\n}\n","import { assertFiniteNumber, assertNonNegative, assertPositive } from \"../utils/assertions.js\";\n\nexport type PayoffPeriodWithExtraParams = {\n  principal: number;\n  annualRate: number;\n  paymentsPerYear: number;\n  basePaymentPerPeriod: number;\n  extraPaymentPerPeriod: number;\n};\n\n/**\n * Number of periods until the loan is paid off with the given base + extra payment.\n */\nexport function payoffPeriodWithExtra(params: PayoffPeriodWithExtraParams): number {\n  const { principal, annualRate, paymentsPerYear, basePaymentPerPeriod, extraPaymentPerPeriod } =\n    params;\n\n  assertNonNegative(principal, \"principal\");\n  assertFiniteNumber(annualRate, \"annualRate\");\n  assertPositive(paymentsPerYear, \"paymentsPerYear\");\n  assertNonNegative(basePaymentPerPeriod, \"basePaymentPerPeriod\");\n  assertNonNegative(extraPaymentPerPeriod, \"extraPaymentPerPeriod\");\n\n  if (principal <= 0) return 0;\n  const payment = basePaymentPerPeriod + extraPaymentPerPeriod;\n  if (payment <= 0) return Number.POSITIVE_INFINITY;\n\n  const r = annualRate / paymentsPerYear;\n  let balance = principal;\n  let period = 0;\n\n  while (balance > 1e-12 && period < 100000) {\n    const interest = r > 0 ? balance * r : 0;\n    if (payment <= interest) return Number.POSITIVE_INFINITY;\n    const principalPaid = Math.min(payment - interest, balance);\n    balance -= principalPaid;\n    period++;\n  }\n  return balance <= 1e-12 ? period : Number.POSITIVE_INFINITY;\n}\n","import { assertNonNegative, assertPositive } from \"../utils/assertions.js\";\nimport { loanPayment } from \"./loanPayment.js\";\n\nexport type RemainingBalanceParams = {\n  principal: number;\n  annualRate: number;\n  paymentsPerYear: number;\n  years: number;\n  afterPeriodNumber: number;\n};\n\n/**\n * Remaining balance after a given number of payments on an amortizing loan.\n */\nexport function remainingBalance(params: RemainingBalanceParams): number {\n  const { principal, annualRate, paymentsPerYear, years, afterPeriodNumber } = params;\n  assertNonNegative(principal, \"principal\");\n  assertPositive(paymentsPerYear, \"paymentsPerYear\");\n  assertNonNegative(years, \"years\");\n  assertNonNegative(afterPeriodNumber, \"afterPeriodNumber\");\n\n  const n = Math.round(paymentsPerYear * years);\n  if (n === 0 || afterPeriodNumber >= n) return 0;\n  if (afterPeriodNumber <= 0) return principal;\n\n  const payment = loanPayment({ principal, annualRate, paymentsPerYear, years });\n  const r = annualRate / paymentsPerYear;\n  const k = afterPeriodNumber;\n\n  if (r === 0) return Math.max(0, principal - payment * k);\n  const balance = principal * (1 + r) ** k - payment * (((1 + r) ** k - 1) / r);\n  return Math.max(0, balance);\n}\n","import { assertFiniteNumber } from \"./assertions.js\";\n\nexport type RoundToCurrencyParams = {\n  value: number;\n  /** Decimal places. Default 2. */\n  decimals?: number;\n  /** 'half-up': 0.5 rounds up. 'half-even': banker's rounding. Default 'half-up'. */\n  mode?: \"half-up\" | \"half-even\";\n};\n\n/**\n * Rounds a number to currency (default 2 decimals). half-up: 2.125 -> 2.13. half-even: 2.125 -> 2.12.\n */\nexport function roundToCurrency(params: RoundToCurrencyParams): number {\n  const { value, decimals = 2, mode = \"half-up\" } = params;\n  assertFiniteNumber(value, \"value\");\n  const d = Math.max(0, Math.floor(decimals));\n  const factor = 10 ** d;\n  if (mode === \"half-even\") {\n    const scaled = value * factor;\n    const rounded = Math.round(scaled);\n    const remainder = Math.abs(scaled - rounded);\n    if (remainder === 0.5) {\n      const down = Math.floor(scaled);\n      return (down % 2 === 0 ? down : down + 1) / factor;\n    }\n    return rounded / factor;\n  }\n  return Math.round(value * factor) / factor;\n}\n"]}

package/package.json

@@ -0,0 +1,65 @@
+{
+  "name": "@pyverret/ratejs",
+  "version": "1.0.0",
+  "description": "Lightweight, dependency-free TypeScript financial math library providing pure calculation utilities.",
+  "author": "Pierre-Yves Verret",
+  "license": "ISC",
+  "keywords": [
+    "finance",
+    "financial-math",
+    "interest",
+    "loan",
+    "amortization",
+    "irr",
+    "cagr",
+    "time-value-of-money",
+    "typescript"
+  ],
+  "repository": {
+    "type": "git",
+    "url": "git+https://github.com/pyverret/ratejs.git"
+  },
+  "bugs": {
+    "url": "https://github.com/pyverret/ratejs/issues"
+  },
+  "homepage": "https://github.com/pyverret/ratejs#readme",
+  "type": "module",
+  "main": "./dist/index.cjs",
+  "module": "./dist/index.js",
+  "types": "./dist/index.d.ts",
+  "sideEffects": false,
+  "exports": {
+    ".": {
+      "types": "./dist/index.d.ts",
+      "import": "./dist/index.js",
+      "require": "./dist/index.cjs"
+    }
+  },
+  "files": [
+    "dist"
+  ],
+  "scripts": {
+    "build": "tsup",
+    "lint": "biome check .",
+    "lint:fix": "biome check . --write",
+    "format": "biome format . --write",
+    "typecheck": "tsc -p tsconfig.json --noEmit",
+    "test": "vitest run",
+    "test:watch": "vitest",
+    "prepublishOnly": "npm run lint && npm run typecheck && npm test && npm run build"
+  },
+  "publishConfig": {
+    "access": "public",
+    "provenance": true
+  },
+  "engines": {
+    "node": ">=20.19.0"
+  },
+  "devDependencies": {
+    "@biomejs/biome": "^2.4.4",
+    "@vitest/coverage-v8": "^3.2.4",
+    "tsup": "^8.5.0",
+    "typescript": "^5.9.2",
+    "vitest": "^3.2.4"
+  }
+}