README

A simple PHP-based Credit Calculator that supports three types of loan payment calculations:

• Annuity Payments
• Differentiated Payments
• Bullet Payments

Features

• Annuity Calculation: Fixed monthly payments throughout the loan period.
• Differentiated Calculation: Payments decrease over time, starting with higher amounts.
• Bullet Calculation: Payment method where the borrower only pays interest throughout the loan term, and the entire principal is paid in lump sum at the end of loan period.

Requirements

• PHP 8.2 or higher

Installation

composer require artemind/credit-calculator

Usage

use Artemind\CreditCalculator\ResolverFactory;
use Artemind\CreditCalculator\Enums\CalculationType;

$resolver = ResolverFactory::createResolver(CalculationType::annuity);

$paymentSchedule = $resolver->resolve(6, 5000, 45);

Result

{
   "total_amount_with_interest":5676,
   "total_amount_without_interest":5000,
   "schedule":[
      {
         "month":1,
         "principal_payment":759,
         "interest_payment":188,
         "total_payment":946,
         "remaining_principal":4241
      },
      {
         "month":2,
         "principal_payment":787,
         "interest_payment":159,
         "total_payment":946,
         "remaining_principal":3454
      },
      {
         "month":3,
         "principal_payment":817,
         "interest_payment":130,
         "total_payment":946,
         "remaining_principal":2638
      },
      {
         "month":4,
         "principal_payment":847,
         "interest_payment":99,
         "total_payment":946,
         "remaining_principal":1791
      },
      {
         "month":5,
         "principal_payment":879,
         "interest_payment":67,
         "total_payment":946,
         "remaining_principal":912
      },
      {
         "month":6,
         "principal_payment":912,
         "interest_payment":34,
         "total_payment":946,
         "remaining_principal":0
      }
   ]
}

👨‍💻 Author

Artem Yeremenko

• Website: artemind.dev
• GitHub: @artemind