var i = 0; // interest
var m = 0; // months
var f = 0; // factor
var den = 0; 
var s = "0"; // string
var d = 0; // decimal place
function savings() {
if(document.calform.interest.value=="" || document.calform.months.value=="" || document.calform.payment.value=="") {
alert("Fill in all of the fields.");
}
else { 
m = document.calform.months.value * 12;
i = Math.pow(((document.calform.interest.value/100)+1),.0833333)-1;
den = i / (i+1);
f = Math.pow((i+1),m)-1;
f /= den;
f *= document.calform.payment.value;
d = String(f).indexOf(".");
s = String(f).substring(0,(d+3));
var int = s - (m * document.calform.payment.value);
var intere = Math.round(int*100)/100;
document.calform.total.value = s;  
document.calform.int.value = intere;  
   }
}


var num=0;
var amt=0;
var per=0;
var months=0;
var nls="";
var rr="\r";
var nn="\n";
var b="                               ";
var d="*********************************"
+"*******************************";
var s="$";
function iA(){
 this.length=iA.arguments.length;
 for (var i=0;i<this.length;i++){
  this[i]=iA.arguments[i];
  }
 }
var pwr=new iA(10);
var dec=new iA(16);
pwr[0]=1;
for (var i=0;i<9;i++){
 pwr[i+1]=pwr[i]*10;
}
dec[0]=.1;
dec[1]=.01;
dec[2]=.001;
dec[3]=.0001;
dec[4]=.00001;
dec[5]=.000001;
dec[6]=.0000001;
dec[7]=.00000001;
dec[8]=.000000001;
dec[9]=.0000000001;
dec[10]=.00000000001;
dec[11]=.000000000001;
dec[12]=.0000000000001;
dec[13]=.00000000000001;
dec[14]=.000000000000001;
dec[15]=.0000000000000001;
   
var ns="01234567890";
var cr="";
var str="";

function stn(){
 num=0;
 pos=str.indexOf(".");
 sfx="";
 if (pos>-1){
  sfx=str.substring(pos+1,str.length);
  str=str.substring(0,pos);
  }
 strl=str.length;
 for (var i=strl-1;i>-1;i--){
  cr=str.substring(i,i+1);
  pos=ns.indexOf(cr);
  num+=pos*pwr[strl-i-1];
  }
  if (sfx!=""&&sfx.length>dp){
   pos=ns.indexOf(sfx.charAt(dp+1));
   if (pos>4){
    pos=ns.indexOf(sfx.charAt(dp));
    sfx=sfx.substring(0,dp-1)+(pos+1);
    }
   }
  if (sfx!=""){
   for (var i=0;i<dp;i++){
    cr=sfx.substring(i,i+1);
    pos=ns.indexOf(cr);
    num+=pos*dec[i];
    }
/*    sfx="";
    sfx+=num;
    pos=sfx.indexOf(".");
    sfx=sfx.substring(pos+1,sfx.length);
    if (sfx.charAt(dp+1)=="9"){
     num+=dec[sfx.length-2];
     } */
  }
 }

function testIt(form){
 str=document.das.amt.value;
 fmtIt();
 bl=str.length+3;
 dp=2;
 stn();
 amt=num;
 str=document.das.per.value;
 dp=4;
 stn();
 per=num;
 str=document.das.months.value;
 dp=0;
 stn();
 months=num;
 if (months<1||months>999||per<.0001||per>99||amt<1||amt>pwr[9]){
  alrt();
  }
 else{
 computeForm();
 }
}

function computeForm(){
 ls="";
 jdas=1;
 i=per/12/100;
 fpv=0;
 for (var j=0;j<months;j++)
  jdas=jdas*(1+i);
  tmp=(amt*jdas*i)/(jdas-1);
  fpv+=tmp;
  fcalc=((months*fpv)-amt);
  
 prtSched();
 }
 
function prtSched(){
 fpv+=.01;
 str=""
 str+=fpv;
 fmtIt();
 dp=2;
 stn();
 fpv=num;
 pct=per/12/100;
 if (bl<14){
  bl=14;
  }
 ls="Payment#       Payment       Interest      Principal     Balance"
 +rr+nn+d+rr+nn;
 for (var j=0;j<months;j++){
  ntr=(amt*pct);
  str="";
  str+=ntr;
  fmtIt();
  ntr1=s+str;
  prp=fpv-ntr;
  if (prp>amt){
   prp=amt;
   }
  str="";
  str+=prp;
  fmtIt();
  prp1=s+str;
  amt-=prp;
  str="";
  str+=amt;
  fmtIt();
  amt1=s+str;
  if (fpv>(ntr+prp)){
   fpv=ntr+prp;
   }
  str="";
  str+=fpv;
  fmtIt();
  fpv1=s+str;
  str="";
  str+=(j+1)+".";
  ls+=b.substring(0,2)+str+b.substring(0,12-str.length)
  +fpv1+b.substring(0,14-fpv1.length)+ntr1
  +b.substring(0,14-ntr1.length)+prp1
  +b.substring(0,14-prp1.length)+amt1
  +rr+nn;
  }
  document.das.sched.value=ls+d+rr+nn;
 }
function fmtIt(){
 pos=str.indexOf(".");
 if (pos==0){
  str="0"+str;
  pos++;
  }
 if (pos<0){
  str+=".00";
  pos=str.indexOf(".");
  }
 str+="0000";
 str=str.substring(0,pos+4);
 cr=str.charAt(str.length-1);
 pos=ns.indexOf(cr);
 str=str.substring(0,str.length-1);
 if (pos>5){
  fmtIt1();
  }
 }
 function fmtIt1(){
  for (var k=str.length-1;k>-1;k--){
   cr=str.charAt(k);
   posn=ns.indexOf(cr);
   if (posn<0){
    k--;
   }
   else{
    str=str.substring(0,k)+ns.substring(posn+1,posn+2)
    +str.substring(k+1,str.length);
    if (posn!=9){
     k=-1;
    }
   }
  }
 }
function alrt(){
 alert("Months must be from 1 to 999," +rr+nn
 + "Loan amount must be from 1 to " + pwr[9] + " and"+rr+nn
 + "Interest must be from .001 to 99%");
}