getMessage(); } return self::calculateFutureValue($rate, $numberOfPeriods, $payment, $presentValue, $type); } /** * PV. * * Returns the Present Value of a cash flow with constant payments and interest rate (annuities). * * @param mixed $rate Interest rate per period * @param mixed $numberOfPeriods Number of periods as an integer * @param mixed $payment Periodic payment (annuity) * @param mixed $futureValue Future Value * @param mixed $type Payment type: 0 = at the end of each period, 1 = at the beginning of each period * * @return float|string Result, or a string containing an error */ public static function presentValue( $rate, $numberOfPeriods, $payment = 0.0, $futureValue = 0.0, $type = FinancialConstants::PAYMENT_END_OF_PERIOD ) { $rate = Functions::flattenSingleValue($rate); $numberOfPeriods = Functions::flattenSingleValue($numberOfPeriods); $payment = ($payment === null) ? 0.0 : Functions::flattenSingleValue($payment); $futureValue = ($futureValue === null) ? 0.0 : Functions::flattenSingleValue($futureValue); $type = ($type === null) ? FinancialConstants::PAYMENT_END_OF_PERIOD : Functions::flattenSingleValue($type); try { $rate = CashFlowValidations::validateRate($rate); $numberOfPeriods = CashFlowValidations::validateInt($numberOfPeriods); $payment = CashFlowValidations::validateFloat($payment); $futureValue = CashFlowValidations::validateFutureValue($futureValue); $type = CashFlowValidations::validatePeriodType($type); } catch (Exception $e) { return $e->getMessage(); } // Validate parameters if ($numberOfPeriods < 0) { return Functions::NAN(); } return self::calculatePresentValue($rate, $numberOfPeriods, $payment, $futureValue, $type); } /** * NPER. * * Returns the number of periods for a cash flow with constant periodic payments (annuities), and interest rate. * * @param mixed $rate Interest rate per period * @param mixed $payment Periodic payment (annuity) * @param mixed $presentValue Present Value * @param mixed $futureValue Future Value * @param mixed $type Payment type: 0 = at the end of each period, 1 = at the beginning of each period * * @return float|string Result, or a string containing an error */ public static function periods( $rate, $payment, $presentValue, $futureValue = 0.0, $type = FinancialConstants::PAYMENT_END_OF_PERIOD ) { $rate = Functions::flattenSingleValue($rate); $payment = Functions::flattenSingleValue($payment); $presentValue = Functions::flattenSingleValue($presentValue); $futureValue = ($futureValue === null) ? 0.0 : Functions::flattenSingleValue($futureValue); $type = ($type === null) ? FinancialConstants::PAYMENT_END_OF_PERIOD : Functions::flattenSingleValue($type); try { $rate = CashFlowValidations::validateRate($rate); $payment = CashFlowValidations::validateFloat($payment); $presentValue = CashFlowValidations::validatePresentValue($presentValue); $futureValue = CashFlowValidations::validateFutureValue($futureValue); $type = CashFlowValidations::validatePeriodType($type); } catch (Exception $e) { return $e->getMessage(); } // Validate parameters if ($payment == 0.0) { return Functions::NAN(); } return self::calculatePeriods($rate, $payment, $presentValue, $futureValue, $type); } private static function calculateFutureValue( float $rate, int $numberOfPeriods, float $payment, float $presentValue, int $type ): float { if ($rate !== null && $rate != 0) { return -$presentValue * (1 + $rate) ** $numberOfPeriods - $payment * (1 + $rate * $type) * ((1 + $rate) ** $numberOfPeriods - 1) / $rate; } return -$presentValue - $payment * $numberOfPeriods; } private static function calculatePresentValue( float $rate, int $numberOfPeriods, float $payment, float $futureValue, int $type ): float { if ($rate != 0.0) { return (-$payment * (1 + $rate * $type) * (((1 + $rate) ** $numberOfPeriods - 1) / $rate) - $futureValue) / (1 + $rate) ** $numberOfPeriods; } return -$futureValue - $payment * $numberOfPeriods; } /** * @return float|string */ private static function calculatePeriods( float $rate, float $payment, float $presentValue, float $futureValue, int $type ) { if ($rate != 0.0) { if ($presentValue == 0.0) { return Functions::NAN(); } return log(($payment * (1 + $rate * $type) / $rate - $futureValue) / ($presentValue + $payment * (1 + $rate * $type) / $rate)) / log(1 + $rate); } return (-$presentValue - $futureValue) / $payment; } }