Module: FinancialMaths

Defined in:
lib/financial_maths.rb,
lib/financial_maths/version.rb

Constant Summary collapse

VERSION = 
"0.0.7"

Instance Method Summary collapse

Instance Method Details

#annuity_given_future(future_value, interest, term) ⇒ Object

hallar anualidad dado el valor futuro HADF



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# File 'lib/financial_maths.rb', line 95

def annuity_given_future(future_value, interest, term)
   (future_value.to_f * (interest.to_f / ((1 + interest) ** term)-1)).round(4)
end

#annuity_given_present(present_value, interest, term) ⇒ Object

hallar Anualidad dado el valor presente HADP



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# File 'lib/financial_maths.rb', line 89

def annuity_given_present(present_value, interest, term)
  interest = interest.to_f
   (present_value.to_f * ((interest * (1+interest) ** term) / (((1 + interest) ** term) -1))).round(4)
end

#anticipated_fixed_payment(present_value, rate, term) ⇒ Object

Hallar la cuota fija anticipada HCFA



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# File 'lib/financial_maths.rb', line 147

def anticipated_fixed_payment(present_value, rate, term)
  ((present_value.to_f * rate.to_f) / ((rate.to_f + 1) - (1 / (1 + rate) ** (term - 1)))).round(4)
end

#anticipated_fixed_payment_amortization(periods, amount, rate, payment) ⇒ Object 



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# File 'lib/financial_maths.rb', line 60

def anticipated_fixed_payment_amortization(periods, amount, rate, payment)
  result = []
  #result << {:period=> 0, :monthly_payment => nil, :interest => nil, :payment => nil, :balance => amount}

  for i in 0..periods-1
    interest = amount * rate
    month_payment = payment - interest
    amount -= month_payment
    #date += 1
    result << {:period=> i,
               :payment => payment,
               :interest => interest,
               :monthly_payment => month_payment,
               :balance => amount}
  end
  result
end

#anticipated_variable_payment_amortization(periods, amount, rate, payment) ⇒ Object 



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# File 'lib/financial_maths.rb', line 23

def anticipated_variable_payment_amortization(periods, amount, rate,  payment)
      result = []
  #result << {:period=> 0, :monthly_payment => nil, :interest => nil, :payment => nil, :balance => amount}

  for i in 0..periods-1
    interest = amount * rate
    month_payment = payment + interest
    amount -= payment
    #date += 1
    result << {:period=> i,
               :payment => month_payment,
               :interest => interest,
               :monthly_payment => payment,
               :balance => amount}
  end
  result
end

#due_fixed_payment_amortization(periods, amount, rate, payment) ⇒ Object 



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# File 'lib/financial_maths.rb', line 42

def due_fixed_payment_amortization(periods, amount, rate, payment)
  result = []
  result << {:period=> 0, :monthly_payment => nil, :interest => nil, :payment => nil, :balance => amount}

  for i in 1..periods
    interest = amount * rate
    month_payment = payment - interest
    amount -= month_payment
    #date += 1
    result << {:period=> i,
               :payment => payment,
               :interest => interest,
               :monthly_payment => month_payment,
               :balance => amount}
  end
  result
end

#due_variable_payment_amortization(periods, amount, rate, payment) ⇒ Object 



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# File 'lib/financial_maths.rb', line 5

def due_variable_payment_amortization(periods, amount, rate,  payment)
  result = []
  result << {:period=> 0, :monthly_payment => nil, :interest => nil, :payment => nil, :balance => amount}

  for i in 1..periods
    interest = amount * rate
    month_payment = payment + interest
    amount -= payment
    #date += 1
    result << {:period=> i,
               :payment => month_payment,
               :interest => interest,
               :monthly_payment => payment,
               :balance => amount}
  end
  result
end

#efective_given_nominal_anticipated(nominal_rate, term) ⇒ Object

Description: Find effective rate given anticipated nominal rate - NAEF Formula: ((1 / ((1- (NOMINAL RATE / PERIODS)) ^ PERIODS)) -1



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# File 'lib/financial_maths.rb', line 121

def efective_given_nominal_anticipated(nominal_rate, term)
  (((1/((1-((nominal_rate.to_f/100)/term))**term))-1)*100).round(4)
end

#efective_given_nominal_due(nominal_rate, term) ⇒ Object

Description: Find effective rate given nominal rate expired - NVEF Formula: ((1 + (NOMINAL RATE / PERIODS)) ^ PERIODS) - 1



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# File 'lib/financial_maths.rb', line 114

def efective_given_nominal_due(nominal_rate, term)
  ((((1+((nominal_rate.to_f/100)/term))**term)-1).round(6))*100
end

#future_given_annuity(annuity, interest, term) ⇒ Object

hallar futuro dado la anualidad HFDA



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# File 'lib/financial_maths.rb', line 105

def future_given_annuity(annuity, interest, term)
  (annuity * (((1 + interest.to_f) ** term) -1) / interest.to_f ).round(4)
end

#future_given_present(present_value, interest, term) ⇒ Object

hallar futuro dado el valor presente HFDP



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# File 'lib/financial_maths.rb', line 79

def future_given_present(present_value, interest, term)
  (present_value.to_f * (1 + interest.to_f) ** term).round(4)
end

#nominal_anticipated_given_efective(effective_rate, periods) ⇒ Object

Description: Find nominal rate anticipated given effective rate - EFNV Formulas: 

nominalRate   = (1 + EFFECTIVE RATE)^(1 / PERIODS) - 1
toAnticipated =  nominalRate / 1 + nominalRate
Returned      -> toAnticipated * PERIODS



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# File 'lib/financial_maths.rb', line 131

def nominal_anticipated_given_efective(effective_rate, periods)
  nominalRate = (1+(effective_rate.to_f/100))**(1/periods.to_f)-1;
  toAnticipated = nominalRate / (1+nominalRate)
  (toAnticipated * periods.to_f * 100).round(4)     
end

#nominal_due_given_efective(effective_rate, periods) ⇒ Object

Description: Find nominal rate expired given effective rate - EFNV Formula: ((1 + EFFECTIVE RATE) ^ (1 / PERIODS) - 1)* PERIODS



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# File 'lib/financial_maths.rb', line 140

def nominal_due_given_efective(effective_rate, periods)    
  ((((1 + (effective_rate.to_f/100))**(1/periods.to_f)-1)*periods.to_f)*100).round(4)    
end

#present_given_annuity(annuity, interest, term) ⇒ Object

hallar presente dado la anualidad HPDA



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# File 'lib/financial_maths.rb', line 100

def present_given_annuity(annuity, interest, term)
  (annuity.to_f * (((1 + interest.to_f) ** term) -1) / (interest.to_f * (1 + interest.to_f) ** term )).round(4)
end

#present_given_future(future_value, interest, term) ⇒ Object

hallar presente dado el futuro HPDF



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# File 'lib/financial_maths.rb', line 84

def present_given_future(future_value, interest, term)
  (future_value.to_f / (1 +interest.to_f) ** term).round(4)
end

#variable_payment(amount, periods) ⇒ Object 



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# File 'lib/financial_maths.rb', line 151

def variable_payment(amount, periods)
  amount.to_f / periods
end