artemind/credit-calculator

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

Maintainers

Details

github.com/artemind/credit-calculator-php

Homepage

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pkg:composer/artemind/credit-calculator

v1.0.0 2025-08-15 09:23 UTC

Requires

Requires (Dev)

MIT a3a2df0c8c7c7dcb6c47e3dddf041fd956cd0eb0

creditloancredit-calculatorpayment scheduleartemind

This package is auto-updated.

Last update: 2025-10-15 09:48:08 UTC

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