{include file="site_header.tpl"}

<script LANGUAGE="LiveScript">
function Emptyform(form) // очистка формы
{ldelim}
form.principal.value = form.interest.value = form.origPmt.value = form.pmtAdd.value = form.intSave.value = form.roi.value = form.results.value = "";
{rdelim}
function Calcform(form) // подсчет
{ldelim}
var i = form.interest.value;
if (i > 1.0) {ldelim} i = i / 100.0; form.interest.value = i; {rdelim}
i /= 12;
var prin1 = eval(form.principal.value);
var prin2 = eval(form.principal.value);
var pmt1 = form.origPmt.value;
var pmt2 = eval(form.origPmt.value) + eval(form.pmtAdd.value);
var prinPort1 = 0;
var prinPort2 = 0;
var intPort1 = 0;
var intPort2 = 0;
var count1 = 0;
var count2 = 0;
while(prin1 > 0)
{ldelim}
intPort1 = eval(i * prin1);
prinPort1 = eval(pmt1 - intPort1);
prin1 = eval(prin1 - prinPort1);
count1 = count1 + 1
if(count1 > 600) {ldelim} break; {rdelim} else {ldelim} continue;{rdelim}
{rdelim}
while(prin2 > 0)
{ldelim}
intPort2 = eval(i * prin2);
prinPort2 = eval(pmt2 - intPort2);
prin2 = eval(prin2 - prinPort2);
count2 = count2 + 1
if(count2 > 600) {ldelim} break; {rdelim} else {ldelim} continue;{rdelim}
{rdelim}
form.intSave.value = (count1 * pmt1) - (count2 * pmt2);
form.roi.value = (form.intSave.value / (count2 * form.pmtAdd.value)) / (count2 / 12);
var timSave = (count1 - count2);
form.results.value = ("If you add $" + form.pmtAdd.value + " to your monthly payment, you will pay off this debt in " + count2 + " payments instead of " + count1 + ", and you will save $" + parseInt(form.intSave.value,10) + " in interest charges.  This savings translates into a guaranteed, tax-free, average annual return of " + parseInt(form.roi.value * 100,10) + "%.  And that's not even considering the emotional returns you'll get when you pay off this debt " + timSave + "-months (" + parseInt(timSave /12,10) + " years, " + (timSave %12) + " months) ahead of schedule.");
{rdelim}
</script>
<center>
  <table>
	<form method="POST">
    <tr BGCOLOR="#639F9F" height="15">
      <td><div align="center"><center><font class="tdtext"><font color="#FFFFFF">Principal<br>
      Balance<br>
      Owed </td>
      <td><div align="center"><center><font class="tdtext"><font color="#FFFFFF">Annual<br>
      Interest<br>
      Rate </td>
      <td><div align="center"><center><font class="tdtext"><font color="#FFFFFF">Current<br>
      Monthly<br>
      Payment </td>
      <td><div align="center"><center><font class="tdtext"><font color="#FFFFFF">Additional<br>
      Monthly<br>
      Payment </td>
      <td>&nbsp;</td>
      <td><div align="center"><center><font class="tdtext"><font color="#FFFFFF">Interest<br>
      Savings </td>
      <td><div align="center"><center><font class="tdtext"><font color="#FFFFFF">Annual<br>
      Return on<br>
      Investment </td>
      
            
    </tr>
    <tr bgcolor="#FFFFFF">
      <td align="center"><input TYPE="TEXT" NAME="principal" SIZE="10"></td>
      <td align="center"><input TYPE="TEXT" NAME="interest" SIZE="10"></td>
      <td align="center"><input TYPE="TEXT" NAME="origPmt" SIZE="7"></td>
      <td align="center"><input TYPE="TEXT" NAME="pmtAdd" SIZE="6"></td>
      <td>&nbsp;</td>
      <td align="center"><input TYPE="TEXT" NAME="intSave" SIZE="10"></td>
      <td align="center"><input TYPE="TEXT" NAME="roi" SIZE="10"></td>
      
    </tr>
        <tr bgcolor="#FFFFFF">
           <td align="center" ><input TYPE="button" VALUE="Compute" onClick="Calcform(this.form)"></td>
      <td align="center"><input TYPE="reset" VALUE="Reset" onClick="Emptyform(this.form)"></td>
      <td bgcolor="#FFFFFF" colspan=5>&nbsp;</td>
    <tr bgcolor="#FFFFFF">
      <td COLSPAN="9" bgcolor="#0B7EC4"><div align="center"><center><p><textarea COLS="60" ROWS="7" name="results" wrap="virtual"></textarea></td>
    </tr>
  </table>
</form>
</center>
</font>
{include file="site_footer.tpl"}