hmm, With your code it is not higher. I guess the formula just doesn't make sense then since it is supposed to calculate the minimum payment to make in order to have the loan repaid before a certain period of time. with my last input, the loan would be paid off in 3 years but tmp( desired payment to make in order to have loan paid off in a certain period of time) was higher than my input and thus said the loan would not be paid off within the desired amount of time. (which was higher than 3 years.)