void MyMoneyForecast::calculateAutoLoan(const MyMoneySchedule& schedule, MyMoneyTransaction& transaction, const QMap<QString, MyMoneyMoney>& balances)
{
if (schedule.type() == MyMoneySchedule::TYPE_LOANPAYMENT) {
//get amortization and interest autoCalc splits
MyMoneySplit amortizationSplit = transaction.amortizationSplit();
MyMoneySplit interestSplit = transaction.interestSplit();
if(!amortizationSplit.id().isEmpty() && !interestSplit.id().isEmpty()) {
MyMoneyAccountLoan acc(MyMoneyFile::instance()->account(amortizationSplit.accountId()));
MyMoneyFinancialCalculator calc;
QDate dueDate;
// FIXME: setup dueDate according to when the interest should be calculated
// current implementation: take the date of the next payment according to
// the schedule. If the calculation is based on the payment reception, and
// the payment is overdue then take the current date
dueDate = schedule.nextDueDate();
if(acc.interestCalculation() == MyMoneyAccountLoan::paymentReceived) {
if(dueDate < QDate::currentDate())
dueDate = QDate::currentDate();
}
// we need to calculate the balance at the time the payment is due
MyMoneyMoney balance;
if(balances.count() == 0)
balance = MyMoneyFile::instance()->balance(acc.id(), dueDate.addDays(-1));
else
balance = balances[acc.id()];
/*
QValueList<MyMoneyTransaction> list;
QValueList<MyMoneyTransaction>::ConstIterator it;
MyMoneySplit split;
MyMoneyTransactionFilter filter(acc.id());
filter.setDateFilter(QDate(), dueDate.addDays(-1));
list = MyMoneyFile::instance()->transactionList(filter);
for(it = list.begin(); it != list.end(); ++it) {
try {
split = (*it).splitByAccount(acc.id());
balance += split.value();
} catch(MyMoneyException *e) {
// account is not referenced within this transaction
delete e;
}
}
*/
// FIXME: for now, we only support interest calculation at the end of the period
calc.setBep();
// FIXME: for now, we only support periodic compounding
calc.setDisc();
calc.setPF(MyMoneySchedule::eventsPerYear(schedule.occurence()));
MyMoneySchedule::occurenceE compoundingOccurence = static_cast<MyMoneySchedule::occurenceE>(acc.interestCompounding());
if(compoundingOccurence == MyMoneySchedule::OCCUR_ANY)
compoundingOccurence = schedule.occurence();
calc.setCF(MyMoneySchedule::eventsPerYear(compoundingOccurence));
calc.setPv(balance.toDouble());
calc.setIr(static_cast<FCALC_DOUBLE> (acc.interestRate(dueDate).abs().toDouble()));
calc.setPmt(acc.periodicPayment().toDouble());
MyMoneyMoney interest(calc.interestDue()), amortization;
interest = interest.abs(); // make sure it's positive for now
amortization = acc.periodicPayment() - interest;
if(acc.accountType() == MyMoneyAccount::AssetLoan) {
interest = -interest;
amortization = -amortization;
}
amortizationSplit.setShares(amortization);
interestSplit.setShares(interest);
// FIXME: for now we only assume loans to be in the currency of the transaction
amortizationSplit.setValue(amortization);
interestSplit.setValue(interest);
transaction.modifySplit(amortizationSplit);
transaction.modifySplit(interestSplit);
}
}
}
int KNewLoanWizard::calculateLoan()
{
MyMoneyFinancialCalculator calc;
double val;
int PF;
QString result;
// FIXME: for now, we only support interest calculation at the end of the period
calc.setBep();
// FIXME: for now, we only support periodic compounding
calc.setDisc();
PF = MyMoneySchedule::eventsPerYear(MyMoneySchedule::occurrenceE(field("paymentFrequencyUnitEdit").toInt()));
if (PF == 0)
return 0;
calc.setPF(PF);
// FIXME: for now we only support compounding frequency == payment frequency
calc.setCF(PF);
if (field("loanAmountEditValid").toBool()) {
val = field("loanAmountEdit").value<MyMoneyMoney>().abs().toDouble();
if (field("borrowButton").toBool())
val = -val;
calc.setPv(val);
}
if (field("interestRateEditValid").toBool()) {
val = field("interestRateEdit").value<MyMoneyMoney>().abs().toDouble();
calc.setIr(val);
}
if (field("paymentEditValid").toBool()) {
val = field("paymentEdit").value<MyMoneyMoney>().abs().toDouble();
if (field("lendButton").toBool())
val = -val;
calc.setPmt(val);
}
if (field("finalPaymentEditValid").toBool()) {
val = field("finalPaymentEditValid").value<MyMoneyMoney>().abs().toDouble();
if (field("lendButton").toBool())
val = -val;
calc.setFv(val);
}
if (field("durationValueEdit").toInt() != 0) {
calc.setNpp(m_durationPage->term());
}
int fraction = m_account.fraction(MyMoneyFile::instance()->security(m_account.currencyId()));
// setup of parameters is done, now do the calculation
try {
//FIXME: port
if (!field("loanAmountEditValid").toBool()) {
// calculate the amount of the loan out of the other information
val = calc.presentValue();
m_loanAmountPage->m_loanAmountEdit->loadText(MyMoneyMoney(static_cast<double>(val)).abs().formatMoney(fraction));
result = i18n("KMyMoney has calculated the amount of the loan as %1.", m_loanAmountPage->m_loanAmountEdit->lineedit()->text());
} else if (!field("interestRateEditValid").toBool()) {
// calculate the interest rate out of the other information
val = calc.interestRate();
m_interestPage->m_interestRateEdit->loadText(MyMoneyMoney(static_cast<double>(val)).abs().formatMoney("", 3));
result = i18n("KMyMoney has calculated the interest rate to %1%.", m_interestPage->m_interestRateEdit->lineedit()->text());
} else if (!field("paymentEditValid").toBool()) {
// calculate the periodical amount of the payment out of the other information
val = calc.payment();
setField("paymentEdit", QVariant::fromValue<MyMoneyMoney>(MyMoneyMoney(val).abs()));
// reset payment as it might have changed due to rounding
val = field("paymentEdit").value<MyMoneyMoney>().abs().toDouble();
if (field("lendButton").toBool())
val = -val;
calc.setPmt(val);
result = i18n("KMyMoney has calculated a periodic payment of %1 to cover principal and interest.", m_paymentPage->m_paymentEdit->lineedit()->text());
val = calc.futureValue();
if ((field("borrowButton").toBool() && val < 0 && qAbs(val) >= qAbs(calc.payment()))
|| (field("lendButton").toBool() && val > 0 && qAbs(val) >= qAbs(calc.payment()))) {
calc.setNpp(calc.npp() - 1);
m_durationPage->updateTermWidgets(calc.npp());
val = calc.futureValue();
MyMoneyMoney refVal(static_cast<double>(val));
m_finalPaymentPage->m_finalPaymentEdit->loadText(refVal.abs().formatMoney(fraction));
result += QString(" ");
result += i18n("The number of payments has been decremented and the final payment has been modified to %1.", m_finalPaymentPage->m_finalPaymentEdit->lineedit()->text());
} else if ((field("borrowButton").toBool() && val < 0 && qAbs(val) < qAbs(calc.payment()))
|| (field("lendButton").toBool() && val > 0 && qAbs(val) < qAbs(calc.payment()))) {
m_finalPaymentPage->m_finalPaymentEdit->loadText(MyMoneyMoney().formatMoney(fraction));
} else {
MyMoneyMoney refVal(static_cast<double>(val));
m_finalPaymentPage->m_finalPaymentEdit->loadText(refVal.abs().formatMoney(fraction));
result += i18n("The final payment has been modified to %1.", m_finalPaymentPage->m_finalPaymentEdit->lineedit()->text());
}
} else if (field("durationValueEdit").toInt() == 0) {
// calculate the number of payments out of the other information
val = calc.numPayments();
if (val == 0)
throw MYMONEYEXCEPTION("incorrect fincancial calculation");
// if the number of payments has a fractional part, then we
// round it to the smallest integer and calculate the balloon payment
result = i18n("KMyMoney has calculated the term of your loan as %1. ", m_durationPage->updateTermWidgets(qFloor(val)));
if (val != qFloor(val)) {
calc.setNpp(qFloor(val));
val = calc.futureValue();
MyMoneyMoney refVal(static_cast<double>(val));
m_finalPaymentPage->m_finalPaymentEdit->loadText(refVal.abs().formatMoney(fraction));
result += i18n("The final payment has been modified to %1.", m_finalPaymentPage->m_finalPaymentEdit->lineedit()->text());
}
} else {
// calculate the future value of the loan out of the other information
val = calc.futureValue();
// we differentiate between the following cases:
// a) the future value is greater than a payment
// b) the future value is less than a payment or the loan is overpaid
// c) all other cases
//
// a) means, we have paid more than we owed. This can't be
// b) means, we paid more than we owed but the last payment is
// less in value than regular payments. That means, that the
// future value is to be treated as (fully payed back)
// c) the loan is not payed back yet
if ((field("borrowButton").toBool() && val < 0 && qAbs(val) > qAbs(calc.payment()))
|| (field("lendButton").toBool() && val > 0 && qAbs(val) > qAbs(calc.payment()))) {
// case a)
qDebug("Future Value is %f", val);
throw MYMONEYEXCEPTION("incorrect fincancial calculation");
} else if ((field("borrowButton").toBool() && val < 0 && qAbs(val) <= qAbs(calc.payment()))
|| (field("lendButton").toBool() && val > 0 && qAbs(val) <= qAbs(calc.payment()))) {
// case b)
val = 0;
}
MyMoneyMoney refVal(static_cast<double>(val));
result = i18n("KMyMoney has calculated a final payment of %1 for this loan.", refVal.abs().formatMoney(fraction));
if (field("finalPaymentEditValid").toBool()) {
if ((field("finalPaymentEdit").value<MyMoneyMoney>().abs() - refVal.abs()).abs().toDouble() > 1) {
throw MYMONEYEXCEPTION("incorrect fincancial calculation");
}
result = i18n("KMyMoney has successfully verified your loan information.");
}
//FIXME: port
m_finalPaymentPage->m_finalPaymentEdit->loadText(refVal.abs().formatMoney(fraction));
}
} catch (const MyMoneyException &) {
KMessageBox::error(0,
i18n("You have entered mis-matching information. Please backup to the "
"appropriate page and update your figures or leave one value empty "
"to let KMyMoney calculate it for you"),
i18n("Calculation error"));
return 0;
}
result += i18n("\n\nAccept this or modify the loan information and recalculate.");
KMessageBox::information(0, result, i18n("Calculation successful"));
return 1;
}