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<?php |
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namespace Kauri\Loan\Test; |
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use Kauri\Loan\InterestAmountCalculator; |
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use Kauri\Loan\PaymentAmountCalculator\AnnuityPaymentAmountCalculator; |
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use Kauri\Loan\PaymentAmountCalculator\EqualPrincipalPaymentAmountCalculator; |
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use Kauri\Loan\PaymentAmountCalculatorInterface; |
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use Kauri\Loan\PaymentPeriodsFactory; |
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use Kauri\Loan\PaymentsCalculator; |
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use Kauri\Loan\PaymentScheduleConfig; |
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use Kauri\Loan\PaymentScheduleFactory; |
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use Kauri\Loan\PeriodInterface; |
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use PHPUnit\Framework\TestCase; |
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class PaymentsCalculatorTest extends TestCase |
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{ |
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/** |
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* @dataProvider dataLoader |
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* @param $principal |
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* @param $futureValue |
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* @param $noOfPayments |
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* @param $interestRate |
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* @param $pattern |
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* @param PaymentAmountCalculatorInterface $paymentAmountCalculator |
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* @param $calculationMode |
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* @param array $expectedPaymentAmounts |
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*/ |
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public function testCalculatePayments( |
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$principal, |
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$futureValue, |
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$noOfPayments, |
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$interestRate, |
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$pattern, |
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PaymentAmountCalculatorInterface $paymentAmountCalculator, |
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$calculationMode, |
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array $expectedPaymentAmounts |
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) { |
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$interestAmountCalculator = new InterestAmountCalculator; |
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$config = new PaymentScheduleConfig($noOfPayments, new \DateTime("2016-01-01"), $pattern); |
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$schedule = PaymentScheduleFactory::generate($config); |
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$periods = PaymentPeriodsFactory::generate($schedule); |
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$paymentsCalculator = new PaymentsCalculator($paymentAmountCalculator, $interestAmountCalculator); |
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$payments = $paymentsCalculator->calculatePayments($periods, $principal, $interestRate, $calculationMode, |
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$futureValue); |
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foreach ($payments as $k => $pmt) { |
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$this->assertEquals($expectedPaymentAmounts[$k], $pmt['payment']); |
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} |
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} |
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/** |
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* @return array |
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*/ |
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public function dataLoader(): array |
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{ |
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$interestAmountCalculator = new InterestAmountCalculator; |
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$annuityPaymentAmountCalculator = new AnnuityPaymentAmountCalculator($interestAmountCalculator); |
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$equalPaymentAmountCalculator = new EqualPrincipalPaymentAmountCalculator($interestAmountCalculator); |
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$averageCalculationMode = PeriodInterface::LENGTH_MODE_AVG; |
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$exactCalculationMode = PeriodInterface::LENGTH_MODE_EXACT; |
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return [ |
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/* Annuity payments */ |
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// average interest |
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[ |
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6000, |
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0, |
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5, |
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360, |
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'P1M', |
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$annuityPaymentAmountCalculator, |
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$averageCalculationMode, |
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[1 => 2463.49, 2463.49, 2463.49, 2463.49, 2463.47] |
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], |
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// exact interest |
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[ |
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6000, |
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0, |
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5, |
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360, |
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'P1M', |
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$annuityPaymentAmountCalculator, |
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$exactCalculationMode, |
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[1 => 2480.94, 2480.94, 2480.94, 2480.94, 2470.53] |
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], |
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// exact interest with future value |
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[ |
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6000, |
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2000, |
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5, |
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360, |
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'P1M', |
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$annuityPaymentAmountCalculator, |
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$exactCalculationMode, |
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[1 => 2261.58, 2261.58, 2261.58, 2261.58, 2252.13] |
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], |
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/* Equal principal payments */ |
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// average interest |
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[ |
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6000, |
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0, |
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5, |
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360, |
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'P1M', |
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$equalPaymentAmountCalculator, |
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$averageCalculationMode, |
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[1 => 3000, 2640, 2280, 1920, 1560] |
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], |
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// average interest with future value |
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[ |
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6000, |
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2000, |
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5, |
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360, |
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'P1M', |
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$equalPaymentAmountCalculator, |
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$averageCalculationMode, |
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[1 => 2600, 2360, 2120, 1880, 1640] |
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], |
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// exact payment |
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[ |
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6000, |
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0, |
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5, |
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360, |
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'P1M', |
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$equalPaymentAmountCalculator, |
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$exactCalculationMode, |
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[1 => 3060, 2592, 2316, 1920, 1572] |
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] |
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]; |
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} |
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} |
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kaurikk /
loan-payment-calculator
