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#include <iostream>
#include <cstdlib>
#include <fstream>
#include <iomanip>
using namespace std;
//Function Prototypes
void input(double& balance, double& interest_rate, double& min_percent);
void calculation(double& balance, double interest_rate, double min_percent, double& interest, double& min, double& sum_interest);
void output(double balance, double min, double interest, double sum_interest, int month, ofstream& fileout);
void output_header(double balance, double interest_rate, double min_percent);
int main()
{
//Declare variables
double balance, interest_rate, min_percent;
int month = 1;
double interest, min, sum_interest;
ofstream fileout;
fileout.open("lab6out.txt");
fileout << setprecision(2) << fixed;
//Input balance, interest rate, and minimum payment percent
input(balance, interest_rate, min_percent);
//Output information header
output_header(balance, interest_rate, min_percent);
cout << setprecision(2) << fixed;
while(balance > 0)
{
//Calculate balance, interest, and minimum payment
calculation(balance, interest_rate, min_percent, interest, min, sum_interest);
//Output information
output(balance, min, interest, sum_interest, month, fileout);
month++;
}
system("pause");
return 0;
}
void input(double& balance, double& interest_rate, double& min_percent)
{
/*Pre: balance - reference to balance
interest_rate - reference to interest rate
min_percent - reference to the minimum payment percent
Post - nothing
Purpose: input data from user
*/
ofstream outputFile;
outputFile.open("lab6.txt");
cout << "Enter the account balance: ";
cin >> balance;
cout << "Enter the interest rate: ";
cin >> interest_rate;
cout << "Enter the minimum payment percentage: ";
cin >> min_percent;
outputFile << balance << endl;
outputFile << interest_rate << endl;
outputFile << min_percent << endl;
ifstream inputfile;
inputfile.open("lab6.txt");
inputfile >> balance;
inputfile >> interest_rate;
inputfile >> min_percent;
}
void calculation(double& balance, double interest_rate, double min_percent, double& interest, double& min, double& sum_interest)
{
/*Pre: balance - reference to balance
interes_rate - interest rate
min_percent - minimum payment percent
interest - reference to interest incurred
min - refernce to minimum payment paid
sum_interest - reference to total interest paid
Post: nothing
Purpose: to calculate payment schedule
*/
interest = (balance * interest_rate/100)/12;
balance = balance + interest;
min = (balance * min_percent/100);
if (balance < 15)
{
min = balance;
balance == 0;
}
else if (min < 15)
{
min = 15;
}
balance = balance - min;
sum_interest = sum_interest + interest;
}
void output_header(double balance, double interest_rate, double min_percent)
{
/* Pre: balance - balance
interest_rate - interest rate
min_percent - minimum payment percent
Post: nothing
Purpose: output header
*/
cout << "Balance Owing: " << balance << endl;
cout << "APR as %: " << interest_rate << endl;
cout << "Percent for minimum payment as %: " << min_percent << endl;
cout << "Month" << setw(10) << "Balance" << setw(10) << "Interest" << setw(10) << " Minimum" << setw(10) << "Sum of" << endl;
cout << setw(27) << "this month" << setw(24) << "interest paid" << endl;
}
void output(double balance, double min, double interest, double sum_interest, int month, ofstream& fileout)
{
/* Pre: balance - balance
min - minimum payment paid
interest - interest incurred
sum_interest - total interest paid
month - month
Post: nothing
Purpose: output payment schedule
*/
fileout << right << setw(5) << month << right << setw(10) << balance << setw(10) << interest << setw(10) << min << setw(10) << sum_interest << endl;
}
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