Nothing
annuity.level=function(pv=NA,fv=NA,n=NA,pmt=NA,i=NA,ic=1,pf=1,imm=TRUE,plot=FALSE){
all=list(pv,fv,n,pmt,i,ic,pf,imm,plot)
#NULL
if(any(lapply(all,is.null)==T)) stop("Cannot input any variables as NULL.")
#Length
if(any(lapply(all,length) != 1)==T) stop("All inputs must be of length 1.")
#Numeric
num2=list(pv,fv,i,pmt,ic,n,pf)
na.num2=num2[which(lapply(num2,is.na)==F)]
if(any(lapply(na.num2,is.numeric)==F)) stop("pv, fv, i, pmt, ic, n, and pf must be numeric.")
#NA
nalist=list(ic,pf,imm,plot)
if(any(lapply(nalist,is.na)==T)) stop("ic, pf, imm, and plot cannot be NA.")
num=c(pv,fv,i,pmt,ic,pf,n)
NA.Neg=array(num)
NA.Neg.Str=c("pv","fv","i","pmt","ic","pf","n")
app=apply(NA.Neg,1,is.na)
#Positive
na.s=which(app==F & NA.Neg<=0)
if(length(na.s)>0) {
errs=paste(NA.Neg.Str[na.s],collapse=" & ")
stop(cat("Error: '",errs, "' must be positive real number(s).\n"))}
#Infinite
na.s2=which(app==F & NA.Neg==Inf)
if(length(na.s2)>0) {errs=paste(NA.Neg.Str[na.s2],collapse=" & ")
stop(cat("Error: '",errs, "' cannot be infinite.\n"))}
#Logical
stopifnot(is.logical(imm),is.logical(plot))
test=c(n,pmt,i)
test2=c(pv,fv)
t1=length(test[which(is.na(test))])
t2=length(test2[which(is.na(test2))])
if(t2 == 0) stop("Cannot specify both pv and fv.")
if(t1 >= 2) stop("Too many unknowns.")
if(t1==0 & t2==0) stop("No unknowns specified.")
if(t1==1 & t2==2) stop("Too many unknowns.")
if(t1==0 & t2==1) stop("One of n, pmt, or i must be NA (unknown) if either pv or fv is known.")
if(!is.na(n) & n !=round(n)) stop("n must be a positive integer.")
nom1=NA;nom2=NA
if(is.na(n)) sn=T else sn=F
if(is.na(i)){
if(imm==T) {
if(is.na(pv)) {i=round(Re(polyroot(c(-fv/pmt+1,rep(1,n-1))))-1,8)
i=i[which(round(pmt*((1+i)^n-1)/i,2)==round(fv,2))]}
if(is.na(fv)) {i=round(1/Re(polyroot(c(-pv/pmt,rep(1,n))))-1,8)
i=i[which(round(pmt*(1-(1+i)^-n)/i,2)==round(pv,2))]}
}
if(imm==F) {
if(is.na(pv)) {i=round(Re(polyroot(c(-fv/pmt,rep(1,n))))-1,8)
i=i[which(round(pmt*(1+i)*((1+i)^n-1)/i,2)==round(fv,2))]}
if(is.na(fv)) {i=round(1/Re(polyroot(c(-pv/pmt+1,rep(1,n-1))))-1,8)
i=i[which(round(pmt*(1+i)*(1-(1+i)^-n)/i,2)==round(pv,2))]}
}
if(length(i)>1) {if(any(i>0)) i=i[which(i>0)] else i=i[1];i=i[1]}
eff.i=(1+i)^pf-1
n.i=(1+eff.i)^(1/ic)-1
if(ic != 1) nom1=n.i*ic
if(pf != 1 & pf != ic) nom2=i*pf
i=n.i*ic
}
eff.i=(1+i/ic)^(ic)-1
int=(1+eff.i)^(1/pf)-1
if(imm==T) r=1 else r=1+int
if(ic !=1) nom1=((1+eff.i)^(1/ic)-1)*ic
if(pf != ic & pf !=1) nom2=((1+eff.i)^(1/pf)-1)*pf
if(is.na(pmt)){
if(is.na(fv)) pmt=pv/((1-(1+int)^-(n))/(int)*r)
if(is.na(pv)) pmt=fv/(((1+int)^(n)-1)/(int)*r)
}
if(is.na(n)){
if(is.na(fv)) {
if(round((1-pv/pmt*int/r),2)<0) stop("n is negative.")
if(round((1-pv/pmt*int/r),2)>0) n=log(1-pv/pmt*int/r)/log(1/(1+int))
if(round((1-pv/pmt*int/r),2)==0) n=Inf}
if(is.na(pv)) n=log(fv/pmt*int/r+1)/log(1+int)
}
if(is.na(pv)) pv=r*pmt*(1-(1+int)^(-n))/int
if(is.na(fv)) fv=r*pmt*((1+int)^(n)-1)/int
if(plot==T){
if(sn==F){
plot.new()
plot(0,0,type="n",axes=F,ann=F,xlim = c(0,ceiling(n)+1),ylim=c(0, 10))
axis(1,at=seq(0,ceiling(n)),labels=seq(0,ceiling(n)),line=-8)
if(imm==T){
text(seq(1,ceiling(n)),rep(5.5,ceiling(n)),labels=rep(round(pmt,2),ceiling(n)),cex=.75) }
if(imm==F){
text(seq(0,ceiling(n)-1),rep(5.5,ceiling(n)),labels=rep(round(pmt,2),ceiling(n)),cex=.75) }
if(pf != 1) axis(1,at=seq(0,ceiling(n),by=pf),labels=seq(0,ceiling(n),by=pf)/pf,line=-5,col="blue")
text(.05*n,7.2,labels=round(pv,2),cex=.85)
text(.05*n,7.7,labels="PV")
text(n-.05*n,7.2,labels=round(fv,2),cex=.85)
text(n-.05*n,7.7,labels="FV")
text(n/2,10,labels="Time Diagram",cex=1.2)
text(n/2,9.4,labels="Level Annuity",cex=1)
text(n*.4,8.5,bquote("Eff Rate "== .(round(eff.i,4))),cex=.85)
if(pf != 1) text(n*.4,7.8,bquote( i^(.(pf))== .(round(int*pf,4))),cex=.85)
i.ic=((1+eff.i)^(1/ic)-1)*ic
if(ic != 1 & ic != pf) text(n*.4,7.1,bquote( i^(.(ic))== .(round(i.ic,4))),cex=.85)
if(pf==1) legend(0,1,legend="Years",lty=1,bty="n")
else legend(0,1,legend=c("Periods","Years"),lty=1,col=c("black","blue"),bty="n",ncol=2)
} else warning("No time diagram is provided when solving for n.\n") }
if(pf==1) {years=n;n=NA} else years=n/pf
out=c(pv,fv,pmt,eff.i,nom1,nom2,n,years)
m.out=matrix(out,nrow=length(out))
rownames(m.out)=c("PV","FV","PMT","Eff Rate",paste("i^(",round(ic,2),")",sep=""),
paste("i^(",round(pf,2),")",sep=""),"Periods","Years")
na=apply(m.out, 1, function(x) all(is.na(x)))
m.out=as.matrix(m.out[!na,])
colnames(m.out)= if(is.infinite(n) | is.infinite(years)) "Level Perpetuity" else "Level Annuity"
return(m.out)
}
Any scripts or data that you put into this service are public.
Add the following code to your website.
For more information on customizing the embed code, read Embedding Snippets.