Calculate the best way to pay down your debt.
- Amortization Schedule
- Order debt to payoff the fastest.
- Debt Snowball
- Order the debt so the bulk of the payments go toward the debt that will be paid off earlier.
- As each card is paid off, that money is combined and added to the next card to be paid off quickly.
- Payment Statistics: Number of payments, range, utilization, APRs, etc.
Each DebtInfo object handles the majority of the logic and calculations. Combine these to create a portfolio.
public DebtInfo(string name, decimal balance, decimal rate, decimal minPayment, bool forceMinPayment = true)A portfolio combines all the debts to ensure that the amortization and payments are optimized.
var portfolio = new DebtPortfolio
{
new DebtInfo("A", 16345.44M, 3.25M, 225),
new DebtInfo("B", 12000, 0, 125),
new DebtInfo("C", 6000, 3.5M, 182),
new DebtInfo("D", 4000, 12.25M, 50),
new DebtInfo("E", 2000, 15.55M, 200),
new DebtInfo("F", 1000, 22, 50),
new DebtInfo("G", 500, 22, 50),
new DebtInfo("H", 10, 50.3M, 250),
new DebtInfo("I", balance: 13000, 12, 100),
};The debt summary shows the debt statistics and the amortization schedule. This is a calcuation available by executing or overriding:
public virtual string Header
{
get
{
var builder = new StringBuilder();
foreach (var keyValuePair in GetAmortization())
{
var debtInfo = keyValuePair.Key;
var debtAmortization = keyValuePair.Value;
builder.AppendLine($"\n{debtInfo}");
builder.AppendLine($"\nNumber Payments: {debtAmortization.Count}\n");
builder.AppendLine(debtAmortization.ToString());
}
return builder.ToString();
}
}Name: E
Balance | % Rate | Minimum | Max Payment
------------ | ------ | ------- | -----------
$2,000.00 | 15.55% | $200.00 | $450.00
Number Payments: 6
Payment 1: $200.00 | $25.92 | $174.08 | $1,825.92
Payment 2: $450.00 | $23.67 | $426.33 | $1,399.59
Payment 3: $450.00 | $18.14 | $431.86 | $967.73
Payment 4: $450.00 | $12.55 | $437.45 | $530.28
Payment 5: $450.00 | $6.88 | $443.12 | $87.16
Payment 6: $87.16 | $0.00 | $87.16 | $0.00
Payment summary shows all payments combined for all debts. Each payment is the sum of all debt for that payment. This is a calculation available by executing or overriding:
public virtual string Payments
{
get
{
var list = GetAmortization();
var builder = new StringBuilder();
var maxPayments = list.Values.ToList().Max(x => x.Count);
for (var i = 0; i < maxPayments; i++)
{
var paymentNum = i + 1;
builder.AppendLine(
$"Payment {paymentNum,3}: {list.Values.Sum(x => x.Count > i ? x[i].Payment : 0),11:C}");
}
builder.AppendLine($"{"Total",11}: {list.Values.Sum(x => x.Sum(y => y.Payment)),11:C}");
return builder.ToString();
}
}Payment 1: $1,098.26
Payment 2: $1,338.26
Payment 3: $1,338.26
Payment 4: $1,338.26
Payment 5: $1,338.26
...
Payment 47: $1,327.00
Payment 48: $1,327.00
Payment 49: $1,327.00
Payment 50: $750.34
Total: $62,927.47
- None
- Copyright(c) 2021 Christopher Winland
- [Apache-2.0 License]https://github.com/cwinland/DebtPaymentPlan/blob/master/LICENSE
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