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Perl/CGI Loan Payoff Time
5531
Perl/CGI Loan Payoff Time
http://tesol.net/scripts/PayBackTime/
PayBackTime is a simple perl/CGI interest loan calculator, similar to "VeryInteresting" and "AffordaBilly" but focused on determining how long it will take to pay off a loan or credit card, given a minimum payment, balance, and interest rate. The results will show the time it will take to pay off the balance with that monthly payment, number of payments, and the total interest the user will end up paying. For illustration purposes, it also shows the same data based on a bi-weekly payment of half the amount of the monthly payment. This is another very simple, yet nice educational tool for showing just how much only a few dollars a month can decrease the time to pay off a balance, and for showing just how much you pay for the privilege of using a credit card and paying the minimum payment. Most people simply don't think about how much they're paying, and this is a nice illustration. Students I've shown this to (and not just students, but most people) are often amazed at both the length of time it will take to pay the balance off, and by the amount of interest they will pay. PayBackTime is a blatant ripoff of the VeryInteresting payment calculator, also available for download from this site.
CGI and Perl > Scripts and Programs > Calculators
Oct 10, 2006
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PayBackTime is a simple perl/CGI interest loan calculator, similar to "VeryInteresting" and "AffordaBilly" but focused on determining how long it will take to pay off a loan or credit card, given a minimum payment, balance, and interest rate. The results will show the time it will take to pay off the balance with that monthly payment, number of payments, and the total interest the user will end up paying. For illustration purposes, it also shows the same data based on a bi-weekly payment of half the amount of the monthly payment. This is another very simple, yet nice educational tool for showing just how much only a few dollars a month can decrease the time to pay off a balance, and for showing just how much you pay for the privilege of using a credit card and paying the minimum payment. Most people simply don't think about how much they're paying, and this is a nice illustration. Students I've shown this to (and not just students, but most people) are often amazed at both the length of time it will take to pay the balance off, and by the amount of interest they will pay. PayBackTime is a blatant ripoff of the VeryInteresting payment calculator, also available for download from this site.
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AffordaBilly is a simple interest loan calculator, similar to "VeryInteresting" but focused on determining how large a loan the user can afford, given an interest rate and length of the loan in years. Users can choose monthly or bi-weekly payments. The results will show the maximum amount of a loan that the user can afford based on the monthly payment and interest rate. This is a very simple, yet nice educational tool for showing just how much only 1 or 2% interest can make a difference over the course of time. I think it's cool to have students calculate the loan they can afford with a monthly payment, then have them cut that in half and choose "Bi-Weekly". For example, over the course of a 30-year loan at 7% interest, a Bi-Weekly payment of 325 will let you afford about ,000, whereas a Monthly payment of 650 will only let you afford ,000. Take the interest from 7% to 8% over the same term, and you can only afford about ,000. And students wonder why they should care about interest rates and other math stuff? :-) AffordaBilly is a blatant ripoff of the VeryInteresting payment calculator, also available for download from this site.
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The script was originally designed to help teachers analyse their student marks.
Many teachers keep marks in spreadsheets, but don't have the time or expertise to insert formulas to perform all the statistical calculations.
Statistical calculator allows users to simple copy and paste their data, then calculate and print the statistics.
It is useful, particulary for moderation purposes where many teachers teach the same subject across a year level & for feedback purposes to students and parents.
Many teachers keep marks in spreadsheets, but don't have the time or expertise to insert formulas to perform all the statistical calculations.
Statistical calculator allows users to simple copy and paste their data, then calculate and print the statistics.
It is useful, particulary for moderation purposes where many teachers teach the same subject across a year level & for feedback purposes to students and parents.
Category:
the script -Installation requires a knowledge of PERL scripts and a web hosts that supports cgi
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VeryInteresting is a simple loan calculator. If a user enters a loan amount, an interest rate, the length of a loan, and the payment frequency, the calculator will show the monthly payment and the total interest that will be paid if the loan is paid to term. For monthly payments, it will also show an amortization table. This can be an exciting activity for students studying simple interest, as they can quickly change the number of years a loan is for or the interest rate and see the dramatic differences this makes in both the payment amount and the total amount paid in interest for a loan. If your local currency is not "dollars," you may choose from ?, ?, and ? for the symbol to show after monetary amounts.
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