1
|
|
|
<?php |
2
|
|
|
|
3
|
|
|
namespace FinanCalc\Calculators { |
4
|
|
|
|
5
|
|
|
use Exception; |
6
|
|
|
use FinanCalc\Interfaces\Calculator\CalculatorAbstract; |
7
|
|
|
use FinanCalc\Utils\Lambdas; |
8
|
|
|
use FinanCalc\Utils\MathFuncs; |
9
|
|
|
use FinanCalc\Utils\Time\TimeSpan; |
10
|
|
|
use FinanCalc\Utils\Time\TimeUtils; |
11
|
|
|
|
12
|
|
|
/** |
13
|
|
|
* Class SimpleInterestCalculator |
14
|
|
|
* @package FinanCalc\Calculators |
15
|
|
|
*/ |
16
|
|
|
class SimpleInterestCalculator extends CalculatorAbstract |
17
|
|
|
{ |
18
|
|
|
// amount of principal = 'P' |
19
|
|
|
protected $principal; |
20
|
|
|
// annual interest rate = 'i' |
21
|
|
|
protected $annualInterestRate; |
22
|
|
|
// the time, which converted to years = 't' |
23
|
|
|
/** @var TimeSpan */ |
24
|
|
|
protected $time; |
25
|
|
|
|
26
|
|
|
/** |
27
|
|
|
* @param $principal |
28
|
|
|
* @param $annualInterestRate |
29
|
|
|
* @param TimeSpan $time |
30
|
|
|
*/ |
31
|
|
|
public function __construct( |
32
|
|
|
$principal, |
33
|
|
|
$annualInterestRate, |
34
|
|
|
TimeSpan $time |
35
|
|
|
) { |
36
|
|
|
$this->setPrincipal($principal); |
37
|
|
|
$this->setAnnualInterestRate($annualInterestRate); |
38
|
|
|
$this->setTime($time); |
39
|
|
|
} |
40
|
|
|
|
41
|
|
|
/** |
42
|
|
|
* @param $principal |
43
|
|
|
*/ |
44
|
|
|
public function setPrincipal($principal) |
45
|
|
|
{ |
46
|
|
|
$this->setProperty("principal", $principal, Lambdas::checkIfPositive()); |
47
|
|
|
} |
48
|
|
|
|
49
|
|
|
/** |
50
|
|
|
* @param $annualInterestRate |
51
|
|
|
*/ |
52
|
|
|
public function setAnnualInterestRate($annualInterestRate) |
53
|
|
|
{ |
54
|
|
|
$this->setProperty("annualInterestRate", $annualInterestRate, Lambdas::checkIfPositive()); |
55
|
|
|
} |
56
|
|
|
|
57
|
|
|
/** |
58
|
|
|
* @param TimeSpan $time |
59
|
|
|
*/ |
60
|
|
|
public function setTime(TimeSpan $time) |
61
|
|
|
{ |
62
|
|
|
$this->setProperty("time", $time, Lambdas::checkIfPositive()); |
63
|
|
|
} |
64
|
|
|
|
65
|
|
|
/** |
66
|
|
|
* @return string |
67
|
|
|
*/ |
68
|
|
|
public function getPrincipal() |
69
|
|
|
{ |
70
|
|
|
return $this->principal; |
71
|
|
|
} |
72
|
|
|
|
73
|
|
|
/** |
74
|
|
|
* @return string |
75
|
|
|
*/ |
76
|
|
|
public function getAnnualInterestRate() |
77
|
|
|
{ |
78
|
|
|
return $this->annualInterestRate; |
79
|
|
|
} |
80
|
|
|
|
81
|
|
|
/** |
82
|
|
|
* @return TimeSpan |
83
|
|
|
*/ |
84
|
|
|
public function getTime() |
85
|
|
|
{ |
86
|
|
|
return $this->time; |
87
|
|
|
} |
88
|
|
|
|
89
|
|
|
/** |
90
|
|
|
* @return string |
91
|
|
|
*/ |
92
|
|
|
public function getTimeInYears() |
93
|
|
|
{ |
94
|
|
|
return $this->time->toYears(); |
95
|
|
|
} |
96
|
|
|
|
97
|
|
|
/** |
98
|
|
|
* @return string |
99
|
|
|
*/ |
100
|
|
|
public function getTimeInMonths() |
101
|
|
|
{ |
102
|
|
|
return $this->time->toMonths(); |
103
|
|
|
} |
104
|
|
|
|
105
|
|
|
/** |
106
|
|
|
* @return string |
107
|
|
|
*/ |
108
|
|
|
public function getTimeInDays() |
109
|
|
|
{ |
110
|
|
|
return $this->time->toDays(); |
111
|
|
|
} |
112
|
|
|
|
113
|
|
|
/** |
114
|
|
|
* @return string |
115
|
|
|
*/ |
116
|
|
|
public function getInterestNumber() |
117
|
|
|
{ |
118
|
|
|
return MathFuncs::div( |
119
|
|
|
MathFuncs::mul( |
120
|
|
|
$this->principal, |
121
|
|
|
$this->getTimeInDays() |
122
|
|
|
), |
123
|
|
|
100 |
124
|
|
|
); |
125
|
|
|
} |
126
|
|
|
|
127
|
|
|
/** |
128
|
|
|
* @return string |
129
|
|
|
* @throws Exception |
130
|
|
|
*/ |
131
|
|
|
public function getInterestDivisor() |
132
|
|
|
{ |
133
|
|
|
return MathFuncs::div( |
134
|
|
|
TimeUtils::getCurrentDayCountConvention()['days_in_a_year'], |
135
|
|
|
MathFuncs::mul( |
136
|
|
|
$this->annualInterestRate, |
137
|
|
|
100 |
138
|
|
|
) |
139
|
|
|
); |
140
|
|
|
} |
141
|
|
|
|
142
|
|
|
/** |
143
|
|
|
* @return string |
144
|
|
|
*/ |
145
|
|
|
public function getInterestAmount() |
146
|
|
|
{ |
147
|
|
|
// n = P*i*t = IN/ID |
148
|
|
|
return MathFuncs::div( |
149
|
|
|
$this->getInterestNumber(), |
150
|
|
|
$this->getInterestDivisor() |
151
|
|
|
); |
152
|
|
|
} |
153
|
|
|
} |
154
|
|
|
} |
155
|
|
|
|