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React from 'react';\r\nimport { Card, CardBody, CardHeader, Form, FormGroup, Label, Col, Input, CardTitle, Row } from 'reactstrap';\r\n\r\nexport const CurrentLoanDetails = (props) => {\r\n\r\n// Current loan\r\n// - Loan balance ($)\r\n// - Interest Rate (% p.a.)\r\n// - Term remaining (years)\r\n// - Repayment frequency (Weekly, Fortnightly, Monthly, Annually)\r\n\r\n// Fees\r\n// - Regular fee ($)\r\n// - Regular fee frequency (Weekly, Fortnightly, Monthly, Annually)\r\n// - Termination fee ($)\r\n\r\n    const handleUpdate = (event) => {\r\n        let name = event.target.name;\r\n        let value = event.target.value;\r\n\r\n        props.onUpdate(name, value);\r\n    }\r\n\r\n    const handleNumberUpdate = (event) => {\r\n        let name = event.target.name;\r\n        let value = event.target.value;\r\n\r\n        props.onUpdate(name, Number(value));\r\n    }\r\n\r\n    const handleFrequencyUpdate = (event) => {\r\n        let name = event.target.name;\r\n        let value = event.target.value;\r\n\r\n        props.onUpdate(name, value);\r\n    }\r\n\r\n    return (\r\n        <Card className=\"current-loan-details\">\r\n            <CardHeader><h3>Current loan</h3></CardHeader>\r\n            <CardBody>\r\n                <Form >\r\n                    <Row form>\r\n                        <Col md={6}>\r\n                            <FormGroup>\r\n                                <Label for=\"loanBalance\">Loan Balance:</Label><span className=\"required\">*</span>\r\n                                <Input name=\"loanBalance\" type=\"number\" placeholder=\"\" bsSize=\"md\" onChange={handleNumberUpdate} value={props.currentLoan.loanBalance} />\r\n                                <Input type=\"range\" name=\"loanBalance\" value={props.currentLoan.loanBalance} onChange={handleNumberUpdate} min={0} max={1000000}/>\r\n                            </FormGroup>\r\n                        </Col>\r\n                        <Col md={6}>\r\n                            <FormGroup>\r\n                                <Label for=\"interestRate\">Interest rate: (% p.a.)</Label><span className=\"required\">*</span>\r\n                                <Input name=\"interestRate\" type=\"number\" placeholder=\"\" bsSize=\"md\" onChange={handleNumberUpdate} value={props.currentLoan.interestRate}/>\r\n                                <Input type=\"range\" name=\"interestRate\" value={props.currentLoan.interestRate} onChange={handleNumberUpdate} min={0} max={20} step={0.1}/> \r\n                            </FormGroup>\r\n                        </Col>                    \r\n                    </Row>\r\n                    <Row form>\r\n                        <Col md={6}>\r\n                            <FormGroup>\r\n                                <Label for=\"termRemaining\">Term remaining: (years)</Label><span className=\"required\">*</span>\r\n                                <Input name=\"termRemaining\" type=\"number\" placeholder=\"\" bsSize=\"md\" onChange={handleNumberUpdate}  value={props.currentLoan.termRemaining}/>\r\n                                <Input type=\"range\" name=\"termRemaining\" value={props.currentLoan.termRemaining} onChange={handleNumberUpdate} min={0} max={30}/>  \r\n                            </FormGroup>\r\n                        </Col>\r\n                        <Col md={6}>\r\n                            <FormGroup>\r\n                                <Label for=\"repaymentFrequency\">Repayment frequency:</Label><span className=\"required\">*</span>\r\n                                <Input type=\"select\" name=\"repaymentFrequency\" onChange={handleFrequencyUpdate} bsSize=\"md\" value={props.currentLoan.repaymentFrequency}>\r\n                                    <option value=\"1\">Yearly</option>\r\n                                    <option  value=\"12\">Monthly</option>\r\n                                    <option  value=\"26\">Fortnightly</option>\r\n                                    <option  value=\"52\">Weekly</option>\r\n                                </Input>\r\n                            </FormGroup>\r\n                        </Col>                    \r\n                    </Row> \r\n                    <CardTitle tag=\"h5\">Fees</CardTitle>\r\n                    <Row form>\r\n                        <Col md={4}>\r\n                            <FormGroup>\r\n                                <Label for=\"regularFee\">Regular fee:</Label>\r\n                                <Input name=\"regularFee\" type=\"number\" placeholder=\"\" bsSize=\"md\" onChange={handleNumberUpdate}  value={props.currentLoan.regularFee}/>\r\n                                <Input type=\"range\" name=\"regularFee\" value={props.currentLoan.regularFee} onChange={handleNumberUpdate} min={0} max={10000}/> \r\n                            </FormGroup>\r\n                        </Col>\r\n                        <Col md={4}>\r\n                            <FormGroup>\r\n                                <Label for=\"terminationFee\">Termination fee:</Label>\r\n                                <Input name=\"terminationFee\" type=\"number\" placeholder=\"\" bsSize=\"md\" onChange={handleNumberUpdate} value={props.currentLoan.terminationFee}/>\r\n                                <Input type=\"range\" name=\"terminationFee\" value={props.currentLoan.terminationFee} onChange={handleNumberUpdate} min={0} max={10000}/> \r\n                            </FormGroup>\r\n                        </Col>\r\n                        <Col md={4}>\r\n                            <FormGroup>\r\n                                <Label for=\"regularFeeFrequency\">Regular fee frequency:</Label>\r\n                                <Input type=\"select\" name=\"regularFeeFrequency\" onChange={handleFrequencyUpdate} bsSize=\"md\" value={props.currentLoan.regularFeeFrequency}>\r\n                                    <option value=\"1\">Yearly</option>\r\n                                    <option  value=\"12\">Monthly</option>\r\n                                    <option  value=\"26\">Fortnightly</option>\r\n                                    <option  value=\"52\">Weekly</option>\r\n                                </Input>\r\n                            </FormGroup>\r\n                        </Col>                         \r\n                    </Row>  \r\n                </Form>\r\n            </CardBody>\r\n        </Card>\r\n    )\r\n\r\n\r\n\r\n}","import React from 'react';\r\nimport { Card, CardBody, CardHeader, Form, FormGroup, Label, Col, Input, CardTitle, Row } from 'reactstrap';\r\n\r\nexport const NewLoanDetails = (props) => {\r\n\r\n// New Loan\r\n// - Introductory rate: (% p.a.)\r\n// - Introductory period: (years)\r\n// - Ongoing rate: (% p.a.)\r\n// Fees\r\n// - Application fee: ($)\r\n// - Other switching fees: ($)\r\n// - Regular fee: ($)\r\n// - Regular fee frequency: (Weekly, Fortnightly, Monthly, Annually)\r\n\r\n\r\n\r\n    const handleUpdate = (event) => {\r\n        let name = event.target.name;\r\n        let value = event.target.value;\r\n\r\n        props.onUpdate(name, value);\r\n    }\r\n\r\n    const handleNumberUpdate = (event) => {\r\n        let name = event.target.name;\r\n        let value = event.target.value;\r\n\r\n        props.onUpdate(name, Number(value));\r\n    }\r\n\r\n    const handleFrequencyUpdate = (event) => {\r\n        let name = event.target.name;\r\n        let value = event.target.value;\r\n\r\n        props.onUpdate(name, value);\r\n    }\r\n\r\n    return (\r\n        <Card className=\"new-loan-details\">\r\n            <CardHeader><h3>New loan</h3></CardHeader>\r\n            <CardBody>\r\n                <Form >\r\n                    <Row form>\r\n                        <Col md={4}>\r\n                            <FormGroup>\r\n                                <Label for=\"introductoryRate\">Introductory rate: (% p.a.)</Label>\r\n                                <Input name=\"introductoryRate\" type=\"number\" placeholder=\"\" bsSize=\"md\" onChange={handleNumberUpdate} value={props.newLoan.introductoryRate} />\r\n                                <Input type=\"range\" name=\"introductoryRate\" value={props.newLoan.introductoryRate} onChange={handleNumberUpdate} min={0} max={20} step={0.1}/>\r\n                            </FormGroup>\r\n                        </Col>\r\n                        <Col md={4}>\r\n                            <FormGroup>\r\n                                <Label for=\"introductoryPeriod\">Intoductory period: (years)</Label>\r\n                                <Input name=\"introductoryPeriod\" type=\"number\" placeholder=\"\" bsSize=\"md\" onChange={handleNumberUpdate} value={props.newLoan.introductoryPeriod}/>\r\n                                <Input type=\"range\" name=\"introductoryPeriod\" value={props.newLoan.introductoryPeriod} onChange={handleNumberUpdate} min={0} max={30}/> \r\n                            </FormGroup>\r\n                        </Col> \r\n                        <Col md={4}>\r\n                            <FormGroup>\r\n                                <Label for=\"ongoingRate\">Ongoing rate: (% p.a.)</Label>\r\n                                <Input name=\"ongoingRate\" type=\"number\" placeholder=\"\" bsSize=\"md\" onChange={handleNumberUpdate} value={props.newLoan.ongoingRate} />\r\n                                <Input type=\"range\" name=\"ongoingRate\" value={props.newLoan.ongoingRate} onChange={handleNumberUpdate} min={0} max={20} step={0.1}/>\r\n                            </FormGroup>\r\n                        </Col>                    \r\n                    </Row>\r\n                    <CardTitle tag=\"h5\">Fees</CardTitle>\r\n                    <Row form>\r\n                        <Col md={4}>\r\n                            <FormGroup>\r\n                                <Label for=\"applicationFee\">Application fee: ($)</Label>\r\n                                <Input name=\"applicationFee\" type=\"number\" placeholder=\"\" bsSize=\"md\" onChange={handleNumberUpdate} value={props.newLoan.applicationFee} />\r\n                                <Input type=\"range\" name=\"applicationFee\" value={props.newLoan.applicationFee} onChange={handleNumberUpdate} min={0} max={10000}/>\r\n                            </FormGroup>\r\n                        </Col>\r\n                        <Col md={4}>\r\n                            <FormGroup>\r\n                                <Label for=\"otherSwitchingFees\">Other switching fee: ($)</Label>\r\n                                <Input name=\"otherSwitchingFees\" type=\"number\" placeholder=\"\" bsSize=\"md\" onChange={handleNumberUpdate} value={props.newLoan.otherSwitchingFees}/>\r\n                                <Input type=\"range\" name=\"otherSwitchingFees\" value={props.newLoan.otherSwitchingFees} onChange={handleNumberUpdate} min={0} max={10000}/> \r\n                            </FormGroup>\r\n                        </Col> \r\n                        <Col md={4}>\r\n                            <FormGroup>\r\n                                <Label for=\"regularFee\">Regular fee: ($)</Label>\r\n                                <Input name=\"regularFee\" type=\"number\" placeholder=\"\" bsSize=\"md\" onChange={handleNumberUpdate} value={props.newLoan.regularFee}/>\r\n                                <Input type=\"range\" name=\"regularFee\" value={props.newLoan.regularFee} onChange={handleNumberUpdate} min={0} max={10000}/> \r\n                            </FormGroup>\r\n                        </Col>                    \r\n                    </Row>\r\n                    <Row form>\r\n                        <Col md={4}>\r\n                            <FormGroup>\r\n                                <Label for=\"regularFeeFrequency\">Repayment fee frequency:</Label>\r\n                                <Input type=\"select\" name=\"regularFeeFrequency\" onChange={handleFrequencyUpdate} bsSize=\"md\" value={props.newLoan.regularFeeFrequency}>\r\n                                    <option value=\"1\">Yearly</option>\r\n                                    <option  value=\"12\">Monthly</option>\r\n                                    <option  value=\"26\">Fortnightly</option>\r\n                                    <option  value=\"52\">Weekly</option>\r\n                                </Input>\r\n                            </FormGroup>\r\n                        </Col>\r\n                        <Col md={4}>\r\n\r\n                        </Col> \r\n                        <Col md={4}>\r\n\r\n                        </Col>                    \r\n                    </Row> \r\n                </Form>\r\n            </CardBody>\r\n        </Card>\r\n    )\r\n\r\n\r\n\r\n}","import 'bootstrap/dist/css/bootstrap.min.css';\r\nimport './App.scss';\r\nimport './InputRange.scss';\r\nimport React, { Component } from 'react';\r\nimport { Container } from 'reactstrap';\r\nimport { CurrentLoanDetails } from './CurrentLoanDetails';\r\nimport { NewLoanDetails } from './NewLoanDetails';\r\nimport { BarChart, Bar, XAxis, YAxis, CartesianGrid, Tooltip, ResponsiveContainer, Label } from 'recharts';\r\nimport { Card, CardBody, CardHeader } from 'reactstrap';\r\n\r\n\r\n\r\n\r\n// New Loan\r\n// - Introductory rate: (% p.a.)\r\n// - Introductory period: (years)\r\n// - Ongoing rate: (% p.a.)\r\n// Fees\r\n// - Application fee: ($)\r\n// - Other switching fees: ($)\r\n// - Regular fee: ($)\r\n// - Regular fee frequency: (Weekly, Fortnightly, Monthly, Annually)\r\n\r\n\r\n\r\n// PMT - returns the payment amount for a loan based on an interested rate and a constant payment schedule\r\nfunction PMT(rate, nper, pv, fv, type) {\r\n  var result;\r\n  if (rate === 0) {\r\n      result = (pv + fv) / nper;\r\n  } else {\r\n      var term = Math.pow(1 + rate, nper);\r\n      if (type === 1) {\r\n          result = (fv * rate / (term - 1) + pv * rate / (1 - 1 / term)) / (1 + rate);\r\n      } else {\r\n          result = fv * rate / (term - 1) + pv * rate / (1 - 1 / term);\r\n      }\r\n  }\r\n  return -result;\r\n}\r\n// FV - returns the future value of an investment based on an interest rate and a constant payment schedule\r\nfunction FV(rate, nper, pmt, pv, type) {\r\n  var fv;\r\n  if (rate === 0) {\r\n      fv = pv + pmt * nper;\r\n  } else {\r\n      var term = Math.pow(1 + rate, nper);\r\n      if (type === 1) {\r\n          fv = pv * term + pmt * (1 + rate) * (term - 1.0) / rate;\r\n      } else {\r\n          fv = pv * term + pmt * (term - 1) / rate;\r\n      }\r\n  }\r\n  return -fv;\r\n}\r\n// NPER - returns the number of periods for an investment based on an interest rate and a constant payment schedule\r\nfunction NPER(rate, pmt, pv, fv, type) {\r\n  if (type === undefined) { type = 0; }\r\n  var num = pmt * (1 + rate * type) - fv * rate;\r\n  var den = (pv * rate + pmt * (1 + rate * type));\r\n  if ( rate === 0 ) { return -(fv + pv)/pmt; }\r\n  else { return Math.log(num / den) / Math.log(1 + rate); }\r\n}\r\n\r\nfunction getVal(val){\r\n  return Number(val);\r\n}\r\n\r\nString.prototype.toFloat = function() {\r\n  var s = this;\r\n  s = s.replace(/[^0-9-.]/g, '');\r\n  if ( isNaN(s) || s.length < 1 ) { s = 0; }\r\n  return parseFloat(s);\r\n};\r\nNumber.prototype.formatMoney = function(decPlaces, currencySymbol, thouSeparator, decSeparator) {\r\n  // check the args and supply defaults:\r\n  decPlaces = isNaN(decPlaces = Math.abs(decPlaces)) ? 2 : decPlaces;\r\n  currencySymbol = currencySymbol === undefined ? \"$\" : currencySymbol;\r\n  decSeparator = decSeparator === undefined ? \".\" : decSeparator;\r\n  thouSeparator = thouSeparator === undefined ? \",\" : thouSeparator;\r\n\r\n  var n = this,\r\n      sign = n < 0 ? \"-\" : \"\",\r\n      i = parseInt(n = Math.abs(+n || 0).toFixed(decPlaces)) + \"\",\r\n      j = (j = i.length) > 3 ? j % 3 : 0;\r\n\r\n  return sign + currencySymbol + (j ? i.substr(0, j) + thouSeparator : \"\") + i.substr(j).replace(/(\\d{3})(?=\\d)/g, \"$1\" + thouSeparator) + (decPlaces ? decSeparator + Math.abs(n - i).toFixed(decPlaces).slice(2) : \"\");\r\n};\r\nNumber.prototype.periodText = function() {\r\n  var p = this;\r\n  p = p.toString();\r\n  p = p.replace('52', 'week');\r\n  p = p.replace('26', 'fortnight');\r\n  p = p.replace('12', 'month');\r\n  p = p.replace('1', 'year');\r\n  return p;\r\n};\r\n\r\n\r\nfunction calculate(currentLoan, newLoan) {\r\n\r\n  if (currentLoan.loanBalance === null \r\n    || currentLoan.interestRate == null \r\n    || currentLoan.repaymentFrequency === null\r\n    || newLoan.ongoingRate === null\r\n    ) {\r\n    return { \r\n      summary: \"\",\r\n      chartData: []\r\n    };\r\n  }\r\n\r\n\r\n\r\n\r\n  // current loan vars\r\n  var pv = getVal(currentLoan.loanBalance);\r\n  var rate = getVal(currentLoan.interestRate)/100;\r\n  var nper = getVal(currentLoan.termRemaining);\r\n  var pmtFreq = getVal(currentLoan.repaymentFrequency);\r\n  var fee = getVal(currentLoan.regularFee);\r\n  var feeFreq = getVal(currentLoan.regularFeeFrequency);\r\n  var feeTermination = getVal(currentLoan.terminationFee);\r\n  var introNper = 0; // no introductory period for existing loan\r\n  // new loan vars\r\n  var feeApplication = getVal(newLoan.applicationFee);\r\n  var feeSwitching = getVal(newLoan.otherSwitchingFees);\r\n  var newFee = getVal(newLoan.regularFee);\r\n  var newFeeFreq = getVal(newLoan.regularFeeFrequency);\r\n  var newIntroRate = getVal(newLoan.introductoryRate)/100;\r\n  var newIntroNper = getVal(newLoan.introductoryPeriod);\r\n  var newRate = getVal(newLoan.ongoingRate)/100;\r\n  var newNper = nper - newIntroNper;\r\n  var totalSwitchingFees = feeTermination + feeApplication + feeSwitching;\r\n  // generic vars\r\n  var fv = 0;\r\n  var type = 0;\r\n  var html;\r\n  var period = pmtFreq.periodText() + 's';\r\n  var chartPmt = false; // set to true to chart data based on existing repayments\r\n\r\n  //calculate current loan payment\r\n  var pmt = PMT(rate/pmtFreq, nper*pmtFreq, -pv, fv, type) + ( (fee*feeFreq)/pmtFreq );\r\n  var totalCost = pmt * nper * pmtFreq; // total cost including interest and fees\r\n  // pmtFreq :: 1 year is 1, monthly is 12, weekly is 52, etc\r\n\r\n  //calculate new loan payment\r\n  var newPv = pv + totalSwitchingFees; // present value of new loan once fees are added\r\n  var introPmt = null;\r\n  var newIntroPmt = PMT(newIntroRate/pmtFreq, nper*pmtFreq, -newPv, fv, type) + ( (newFee*newFeeFreq)/pmtFreq ); // honeymoon payment amount\r\n  var newPvAfterIntro = FV(newIntroRate/pmtFreq, newIntroNper*pmtFreq, newIntroPmt-( (newFee*newFeeFreq)/pmtFreq ), -newPv, type); //present value of loan after honeymoon period\r\n  var newPmt = PMT(newRate/pmtFreq, newNper*pmtFreq, -newPvAfterIntro, fv, type) + ( (newFee*newFeeFreq)/pmtFreq ); // ongoing payment amount\r\n  var newTotalCost = (newIntroPmt * newIntroNper * pmtFreq) + (newPmt * (nper-newIntroNper) * pmtFreq); // total cost including interest and fees\r\n  var recoverSwitchCosts = 0;\r\n  if ( newIntroNper > 0 ) {\r\n      for (i = 1; i <= newIntroNper*pmtFreq; i++) {\r\n          if ( (i*pmt) - (i*newIntroPmt) >= totalSwitchingFees ) {\r\n              recoverSwitchCosts = i;\r\n              break;\r\n          }\r\n      }\r\n  }\r\n  if ( recoverSwitchCosts === 0 ) {\r\n      for (i = 1; i <= newNper*pmtFreq; i++) {\r\n          if ( (i*pmt) - (i*newPmt) >= totalSwitchingFees ) { recoverSwitchCosts = newIntroNper*pmtFreq + i; break; }\r\n      }\r\n  }\r\n  if ( ( totalCost-newTotalCost-totalSwitchingFees ) <= 0 ) {\r\n      recoverSwitchCosts = 'negative';\r\n  }\r\n  else if ( totalSwitchingFees > 0 ) {\r\n      if ( recoverSwitchCosts === 0 ) { recoverSwitchCosts = 'fee not recovered'; }\r\n      else { recoverSwitchCosts = recoverSwitchCosts +' '+period; }\r\n  }\r\n  else { recoverSwitchCosts = 'N/A'; }\r\n\r\n  // calculate new loan maintaining existing payment\r\n  var newPmtCurrent = PMT(newIntroRate/pmtFreq, nper*pmtFreq, -newPv, fv, type) + ( (newFee*newFeeFreq)/pmtFreq ); // honeymoon payment amount\r\n  if ( newPmtCurrent < pmt ) { newPmtCurrent = pmt; }\r\n  //var newPvAfterIntroMaintain = FV(newIntroRate/pmtFreq, newIntroNper*pmtFreq, newPmtCurrent, -newPv, type); // future value of loan at the end of honeymoon period //20160210\r\n  var newPvAfterIntroMaintain = FV(newIntroRate/pmtFreq, newIntroNper*pmtFreq, newPmtCurrent-( (newFee*newFeeFreq)/pmtFreq ), -newPv, type); // future value of loan at the end of honeymoon period\r\n  var newPmtCurrentAfterIntro = PMT(newRate/pmtFreq, nper*pmtFreq, -newPvAfterIntroMaintain, fv, type) + ( (newFee*newFeeFreq)/pmtFreq ); // payment amount after honeymoon\r\n  if ( newPmtCurrentAfterIntro < pmt ) { newPmtCurrentAfterIntro = pmt; }\r\n  var newNperHigher = NPER(newRate/pmtFreq, newPmtCurrentAfterIntro, -newPvAfterIntroMaintain, fv, type); // how long will it take to pay off the loan after the honeymoon period\r\n  newNperHigher = newNperHigher + newIntroNper * pmtFreq;\r\n  var repayYears = parseInt(newNperHigher.toFixed(6)/pmtFreq);\r\n  var repayTerm = repayYears + ' years';\r\n  var repayMonths = Math.ceil( (newNperHigher.toFixed(6)/pmtFreq % 1)* 12 );\r\n  if ( repayMonths > 0 ) { repayTerm = repayTerm + ' ' + repayMonths + ' months'; }\r\n  if (repayMonths === 12) { repayYears = repayYears+1; repayMonths = 0;  }\r\n  var newTotalCostHigher = (newPmtCurrent * newIntroNper * pmtFreq) + (newPmtCurrentAfterIntro * (newNperHigher-newIntroNper*pmtFreq) ); // total cost including interest and fees\r\n\r\n  var newPmtMaintain = pmt;\r\n  if ( newPmtMaintain <  newPmt ) { newPmtMaintain =  newPmt; }\r\n\r\n\r\n  var assumptions = '<p class=\"assumptions breaker\"><strong>Assumptions:</strong></p><ul class=\"assumptions\"><li>Total cost of current loan: '+totalCost+' ('+pmt+' per '+pmtFreq+')</li>'+\r\n      '<li>Total cost of new loan: '+newTotalCost+' ('+newIntroPmt+' introductory and '+newPmt+' ongoing per '+pmtFreq+')</li></ul>';\r\n\r\n  // build chart array data\r\n  var currentLoan = []; currentLoan[0] = 0;\r\n  var newLoan = []; newLoan[0] = 0;\r\n  var cost = []; cost[0] = 0;\r\n\r\n  // calculate graph based on maintaining existing repayments\r\n  if ( chartPmt ) {\r\n      newPmt = newPmtMaintain;\r\n      currentLoan[0] = pv; newLoan[0] = pv + feeTermination + feeApplication + feeSwitching;\r\n      for ( var i = 1; i <= nper; i++ ){ // loop through each year\r\n\r\n          currentLoan[i] = -FV(rate/pmtFreq, 1*pmtFreq, -pmt, currentLoan[i-1], type);\r\n\r\n          if ( i <= newIntroNper ) { newLoan[i] = -FV(newIntroRate/pmtFreq, 1*pmtFreq, -newPmt, newLoan[i-1], type); }\r\n          else { newLoan[i] = -FV(newRate/pmtFreq, 1*pmtFreq, -newPmt, newLoan[i-1], type); }\r\n\r\n          //cost or savings\r\n          cost[i] = currentLoan[i] - newLoan[i];\r\n      }\r\n  }\r\n  else { // calculate graph based on new repayment amount\r\n      currentLoan[0] = 0; newLoan[0] = 0; //feeTermination + feeApplication + feeSwitching; //20160210\r\n      for ( var i = 1; i <= nper; i++ ){ // loop through each year\r\n\r\n          // current loan\r\n          if ( i <= introNper ) { currentLoan[i] = introPmt; }\r\n          else { currentLoan[i] = pmt; }\r\n          currentLoan[i] = currentLoan[i] * pmtFreq;\r\n          currentLoan[i] = currentLoan[i] + currentLoan[i-1];\r\n\r\n          // new loan\r\n          if ( i <= newIntroNper ) { newLoan[i] = newIntroPmt; }\r\n          else { newLoan[i] = newPmt; }\r\n          newLoan[i] = newLoan[i] * pmtFreq;\r\n          newLoan[i] = newLoan[i] + newLoan[i-1];\r\n\r\n          //cost or savings\r\n          cost[i] = currentLoan[i] - newLoan[i];\r\n      }\r\n  }\r\n\r\n  html = '';\r\n\r\n  var recoveredItem = null;\r\n\r\n\r\n  if ( ( totalCost - newTotalCost ) > 0 && recoverSwitchCosts.replace(/[^0-9]/g,'').length > 0 ) {\r\n    recoveredItem = `\r\n      <div class=\"right-panel\">\r\n        <div class=\"label\">your switching costs will be recovered in </div>\r\n        <div  class=\"time-frame\"> ${recoverSwitchCosts}</div>\r\n      </div>`;\r\n  } else {\r\n    recoveredItem = `\r\n    <div class=\"right-panel\">\r\n\r\n    </div>`;  \r\n  }\r\n\r\n   html = `\r\n      <div class=\"repayments-container\">\r\n        <h4>Minimum repayments</h4>\r\n        <p>By switching loans and making the minimum repayment - ${newPmt.formatMoney(0)} per ${pmtFreq.periodText()}:</p>\r\n        <div class=\"over-loan-life\">\r\n          <div class=\"left-panel\">\r\n            <div class=\"label\">Over the life of the loan ${( (totalCost-newTotalCost) < 0 ? '' : 'you ' )} will ${( (totalCost-newTotalCost) < 0 ? 'cost ' : 'save ' )}</div>\r\n            <div>\r\n              <div class=\"amount\">${parseFloat(Math.abs(totalCost-newTotalCost)).formatMoney(0)}</div> \r\n              <div class=\"amount-per\">(${( ( Math.abs(totalCost-newTotalCost)/(nper*pmtFreq) ) ).formatMoney(0)} per ${pmtFreq.periodText()})</div>     \r\n            </div> \r\n          </div>\r\n          ${recoveredItem}\r\n        </div>\r\n      </div>`;\r\n\r\n\r\n  var timeSaved = parseFloat(nper * pmtFreq - newNperHigher).toFixed(6);\r\n  // only this message if the new loan will save time\r\n  if ( timeSaved > 0 && (totalCost-newTotalCost) > 0 ) {\r\n      timeSaved = parseInt(timeSaved); // ignore the remainder\r\n      html = `${html}\r\n      <div class=\"repayments-container\">\r\n        <h4>Higher repayments</h4>\r\n        <p>By switching loans and making higher repayments - ${pmt.formatMoney(0)} per ${pmtFreq.periodText()}, the same minimum repayments as your current loan:</p>\r\n        <div class=\"over-loan-life\">\r\n          <div class=\"left-panel\">\r\n            <div class=\"label\">Over the life of the loan ${( (totalCost-newTotalCost) < 0 ? '' : 'you ' )} will ${( (totalCost-newTotalCost) < 0 ? 'cost ' : 'save ' )}</div>\r\n            <div>\r\n              <div class=\"amount\">${parseFloat(Math.abs( totalCost-newTotalCostHigher )).formatMoney(0)}</div> \r\n              <div class=\"amount-per\">(${( ( Math.abs(totalCost-newTotalCostHigher)/(newNperHigher) ) ).formatMoney(0)+' per '+pmtFreq.periodText()})</div> \r\n            </div>\r\n          </div>\r\n          <div class=\"right-panel\">\r\n            <div class=\"label\">you will pay off your loan this much ${(1?'earlier':'later')}</div>\r\n            <div class=\"time-frame\">${timeSaved} ${pmtFreq.periodText()}s</div>\r\n          </div> \r\n        </div>\r\n      </div>`;\r\n  }\r\n\r\n  //if ( (totalCost-newTotalCost - totalSwitchingFees) < 0 ) { $('#result span').addClass('negative'); }\r\n\r\n  return { \r\n    summary: html,\r\n    chartData: cost\r\n  };\r\n\r\n}\r\n\r\n\r\n\r\n\r\nexport class App extends Component {\r\n\r\n  constructor(props) {\r\n    super(props);\r\n\r\n    let currentLoan = {\r\n      loanBalance: null,\r\n      interestRate: null,\r\n      termRemaining: null,\r\n      repaymentFrequency: 12,\r\n\r\n      regularFee: 0,\r\n      terminationFee: 0,\r\n      regularFeeFrequency: 12\r\n    };\r\n\r\n    let newLoan = {\r\n      introductoryRate: null,\r\n      introductoryPeriod: 0,\r\n      ongoingRate: null,\r\n\r\n      applicationFee: 0,\r\n      otherSwitchingFees: 0,\r\n      regularFee: 0,\r\n      regularFeeFrequency: 12\r\n    };\r\n\r\n    let result = calculate(currentLoan, newLoan); \r\n    let chartData = result.chartData.map((x,i) => {\r\n      return {\r\n        name: i,\r\n        cs: x\r\n      };\r\n    });\r\n\r\n    this.state = {\r\n      currentLoan: currentLoan,\r\n      newLoan: newLoan,\r\n      summary: result.summary,\r\n      chartData: chartData\r\n    };\r\n\r\n  }\r\n\r\n  \r\n  handleCurrentLoanUpdate = (name, value) => {\r\n    var currentLoan = {...this.state.currentLoan}\r\n    currentLoan[name] = value;\r\n\r\n    let result = calculate(currentLoan, this.state.newLoan); \r\n    let chartData = result.chartData.map((x,i) => {\r\n      return {\r\n        name: i,\r\n        cs: x\r\n      };\r\n    });\r\n\r\n    this.setState({currentLoan, summary: result.summary, chartData});\r\n  };\r\n\r\n  handleNewLoanUpdate = (name, value) => {\r\n    var newLoan = {...this.state.newLoan}\r\n    newLoan[name] = value;\r\n\r\n    let result = calculate(this.state.currentLoan, newLoan); \r\n    let chartData = result.chartData.map((x,i) => {\r\n      return {\r\n        name: i,\r\n        cs: x\r\n      };\r\n    });\r\n\r\n    this.setState({newLoan, summary: result.summary, chartData});  \r\n  };\r\n\r\n  render() {\r\n\r\n    return (\r\n    <Container className=\"app\">\r\n      <div className=\"calculator-panel\">\r\n        <CurrentLoanDetails onUpdate={this.handleCurrentLoanUpdate} currentLoan={this.state.currentLoan} />\r\n        <NewLoanDetails onUpdate={this.handleNewLoanUpdate} newLoan={this.state.newLoan} />\r\n        {this.state.chartData.length > 0 &&  \r\n        <Card className=\"results\">\r\n            <CardHeader><h3>Results</h3></CardHeader>\r\n            <CardBody>\r\n\r\n            <div className=\"graph-container\" style={{ width: '100%', height: 300 }}>\r\n              <div className=\"y-axis-label\">Cost/Saving</div>\r\n              <div className=\"x-axis-label\">Years</div>\r\n              <ResponsiveContainer>\r\n                    <BarChart\r\n                    data={this.state.chartData}\r\n                    margin={{\r\n                      top: 5,\r\n                      right: 30,\r\n                      left: 20,\r\n                      bottom: 15,\r\n                    }}\r\n                  >\r\n                    <CartesianGrid strokeDasharray=\"3 3\" />\r\n                    <XAxis dataKey=\"name\" >\r\n                    \r\n                    </XAxis>\r\n                    <YAxis>\r\n     \r\n                    </YAxis>\r\n                    <Tooltip />\r\n\r\n                    <Bar dataKey=\"cs\" fill=\"#00B9F2\" />\r\n                  </BarChart> \r\n                </ResponsiveContainer>\r\n                </div>\r\n               \r\n                <div dangerouslySetInnerHTML={{__html: this.state.summary}}></div>\r\n              </CardBody>\r\n        </Card> \r\n        }\r\n      </div>\r\n    </Container>\r\n    )\r\n  }\r\n}\r\n\r\n","const reportWebVitals = onPerfEntry => {\n  if (onPerfEntry && onPerfEntry instanceof Function) {\n    import('web-vitals').then(({ getCLS, getFID, getFCP, getLCP, getTTFB }) => {\n      getCLS(onPerfEntry);\n      getFID(onPerfEntry);\n      getFCP(onPerfEntry);\n      getLCP(onPerfEntry);\n      getTTFB(onPerfEntry);\n    });\n  }\n};\n\nexport default reportWebVitals;\n","import React from 'react';\nimport ReactDOM from 'react-dom';\nimport './index.css';\nimport { App } from './App';\nimport reportWebVitals from './reportWebVitals';\n\nReactDOM.render(\n  <React.StrictMode>\n    <App />\n  </React.StrictMode>,\n  document.getElementById('root')\n);\n\n// If you want to start measuring performance in your app, pass a function\n// to log results (for example: reportWebVitals(console.log))\n// or send to an analytics endpoint. Learn more: https://bit.ly/CRA-vitals\nreportWebVitals();\n"],"sourceRoot":""}