//*******************************************
//DO NOT REMOVE THIS COPYWRITE INFO!
//Periodic Deposit Savings Calculator V2
//2002 Daniel C. Peterson ALL RIGHTS RESERVED
//Created: 11/11/2002
//Last Modified: 08/21/2009
//This script may not be copied, edited, distributed or reproduced
//without express written permission from
//Daniel C. Peterson of Web Winder Website Services
//For commercial use rates, contact:
//Dan Peterson:
//Web Winder Website Services
//P.O. Box 11
//Bemidji, MN  56619
//dan@webwinder.com
//http://www.webwinder.com
//Commercial User Licence #:6615-1466-80-1415
//Commercial Licence Date:2011-01-19
//*******************************************



function deflatePV(deflatePrin, deflatePerc, deflateYears) {

//CALC INFLATION
if (deflatePerc >= 1.0) {
   deflatePerc /= 100;
}

deflatePerc = eval(1) + eval(deflatePerc);

var deflateYrCnt = 0;
var deflateFactor = 1;
while(deflateYrCnt < deflateYears) {

deflateYrCnt = eval(deflateYrCnt) + eval(1);

deflateFactor = deflateFactor / deflatePerc;

}

deflatedPV = deflatePrin * deflateFactor;

return deflatedPV;

}



function ATFVMultiDep(prin, intRate, numYrs, depAmt, numDepPerYr, numCompPerYr, fedStTaxRate) {

var i = 0;
var intEarn = 0;
var multiFV = prin;

if(intRate >= 1) {
   intRate /= 100;
}

if(fedStTaxRate == "" || fedStTaxRate == 0) {
   fedStTaxRate = 0;
} else {
   if(fedStTaxRate >= 1) {
      fedStTaxRate /= 100;
   }
}

if(numCompPerYr == "" || numCompPerYr == 0) {
   numCompPerYr = 12;
}
intRate /= numCompPerYr;

var numMonths = numYrs * 12;

var numPeriods = numMonths / 12 * numCompPerYr;
var monthsBetweenDep = 12 / numDepPerYr;
var monthsBetweenComp = 12 / numCompPerYr

var accumAnnInt = 0;
var accumTotEarn = 0;
var tax = 0;
var accumDep = 0;
var accumNumDep = 0;
var accumNumComp = 0;
var numTaxYears = 0;

for(i=1; i <= numMonths; i++) {
   if(i % monthsBetweenComp == 0) {
      intEarn = multiFV * intRate;
      accumAnnInt = eval(accumAnnInt) + eval(intEarn);
      accumTotEarn = eval(accumTotEarn) + eval(intEarn);
      multiFV = eval(multiFV) + eval(intEarn);
      accumNumComp = eval(accumNumComp) + eval(1);
   }
   if(i % monthsBetweenDep == 0) {
      multiFV = eval(multiFV) + eval(depAmt);
      accumDep = eval(accumDep) + eval(depAmt);
      accumNumDep = eval(accumNumDep) + eval(1);
   }

   if(i % 12 == 0) {
      tax = fedStTaxRate * accumAnnInt;
      accumTotEarn = eval(accumTotEarn) - eval(tax);
      multiFV = eval(multiFV) - eval(tax);
      accumAnnInt = 0;
      numTaxYears = eval(numTaxYears) + eval(1);
   }
   
}

return multiFV;

}



function sn(num) {

   num=num.toString();


   var len = num.length;
   var rnum = "";
   var test = "";
   var j = 0;

   var b = num.substring(0,1);
   if(b == "-") {
      rnum = "-";
   }

   for(i = 0; i <= len; i++) {

      b = num.substring(i,i+1);

      if(b == "0" || b == "1" || b == "2" || b == "3" || b == "4" || b == "5" || b == "6" || b == "7" || b == "8" || b == "9" || b == ".") {
         rnum = rnum + "" + b;

      }

   }

   if(rnum == "" || rnum == "-") {
      rnum = 0;
   }

   rnum = Number(rnum);

   return rnum;

}



function fns(num, places, comma, type, show) {

    var sym_1 = "$";
    var sym_2 = ""; 

    var isNeg=0;

    if(num < 0) {
       num=num*-1;
       isNeg=1;
    }

    var myDecFact = 1;
    var myPlaces = 0;
    var myZeros = "";
    while(myPlaces < places) {
       myDecFact = myDecFact * 10;
       myPlaces = Number(myPlaces) + Number(1);
       myZeros = myZeros + "0";
    }
    
	onum=Math.round(num*myDecFact)/myDecFact;
		
	integer=Math.floor(onum);

	if (Math.ceil(onum) == integer) {
		decimal=myZeros;
	} else{
		decimal=Math.round((onum-integer)* myDecFact)
	}
	decimal=decimal.toString();
	if (decimal.length<places) {
        fillZeroes = places - decimal.length;
	   for (z=0;z<fillZeroes;z++) {
        decimal="0"+decimal;
        }
     }

   if(places > 0) {
      decimal = "." + decimal;
   }

   if(comma == 1) {
	integer=integer.toString();
	var tmpnum="";
	var tmpinteger="";
	var y=0;

	for (x=integer.length;x>0;x--) {
		tmpnum=tmpnum+integer.charAt(x-1);
		y=y+1;
		if (y==3 & x>1) {
			tmpnum=tmpnum+",";
			y=0;
		}
	}

	for (x=tmpnum.length;x>0;x--) {
		tmpinteger=tmpinteger+tmpnum.charAt(x-1);
	}


	finNum=tmpinteger+""+decimal;
   } else {
      finNum=integer+""+decimal;
   }

    if(isNeg == 1) {
       if(type == 1 && show == 1) {
          finNum = "-" + sym_1 + "" + finNum + "" + sym_2;
       } else {
          finNum = "-" + finNum;
       }
    } else {
       if(show == 1) {
          if(type == 1) {
             finNum = sym_1 + "" + finNum + "" + sym_2;
          } else
          if(type == 2) {
             finNum = finNum + "%";
          }

       }

    }

	return finNum;
}


function computeForm(form)  {

   var Vprincipal = sn(document.calc.principal.value);
   var VdepositAmt = sn(document.calc.depositAmt.value);
   var VintRate = sn(document.calc.interest.value);
   var Vyears = sn(document.calc.years.value);
   var VtaxRate = sn(document.calc.taxRate.value);
   var VinflateRate = sn(document.calc.inflateRate.value);


   if(VdepositAmt == 0) {
      alert("Please enter the periodic deposit amount.");
      document.calc.depositAmt.focus();
   } else
   if(VintRate == 0) {
      alert("Please enter the Interest Rate.");
      document.calc.interest.focus();
   } else 
   if(Vyears == 0) {
      alert("Please enter the Number of Years.");
      document.calc.years.focus();
   } else {
  
      var Vprin = Vprincipal;

      var Vinterval = document.calc.interval.options[document.calc.interval.selectedIndex].value;

      var VgrossFV = ATFVMultiDep(Vprincipal, VintRate, Vyears, VdepositAmt, Vinterval, 12, 0);
      document.calc.grossFV.value = fns(VgrossFV,2,1,1,1);


      var VafterTaxFV = ATFVMultiDep(Vprincipal, VintRate, Vyears, VdepositAmt, Vinterval, 12, VtaxRate);
      document.calc.afterTaxFV.value = fns(VafterTaxFV,2,1,1,1);


      var VafterInflateFV = deflatePV(VafterTaxFV, VinflateRate, Vyears);

      document.calc.afterInflateFV.value = fns(VafterInflateFV,2,1,1,1);
		
   }

}

function clear_results(form) {

   document.calc.grossFV.value = "";
   document.calc.afterTaxFV.value = "";
   document.calc.afterInflateFV.value = "";

}