Xenakis Professional Debt Calculator - ProDebtCalc
The Xenakis Professional Debt Calculator is a sophisticated financial
application for analyzing all kinds of retail debt transactions,
including mortgages, credit card loans, car loans, and credit car
Any transaction can be modified with additional advanced clauses,
including closing fees, recurring fees, income streams, and payment
streams. "Create your own calculator" consists of any number of
Interest assessment clauses specify rules for assessing interest,
including fixed or adjustable interest rates, assessment or billing
PDC computes and displays amortization tables and APR in conformance
with federal regulations.
As an bonus feature, PDC displays Zillow data for any state, city and
neighborhood via a web service. The data includes median price and
price change data for various types of homes, census summary for the
neighborhood, and a variety of demographic data values, including
commute times, divorced/married ratios, and average age.
Optionally, you can e-mail any data set to yourself or a third party
NOTE: THIS APP IS STILL UNDER DEVELOPMENT, AND NOT FULLY IMPLEMENTED OR DEBUGGED.
- Version 2.0, March 6, 2016
Professional Debt Calculator supports a wide variety of financial
options, and produces APRs and amortization tables according to
federal regulations. The new version implements fund sources for fees
(out of pocket, add to balance, etc.), and improves the user
- Version 1.9, February 5, 2016
The new version fixes several important system bugs, and continues
implementation of calculators, including the car loan and reverse car
- Version 1.8, January 27, 2016
Implement additional options in advanced interest rate computation
settings, and also improves and fixes bugs in internal thread
- Version 1.7, October 25, 2015
Several enhancements and bug fixes in saving and reloading calculators
in the "save your own calculator" function.
- Version 1.6, October 15, 2015
Improvements to user interface, especially in amortization table.
Improvements in saving and reloading in the "create your own
- Version 1.5, August 30, 2015
Major feature implementation: Ability to "save" a transaction and
"load" it later. You can create your own calculator by adding
advanced clauses to a standard calculator, then save the calculator
and use it later.
- Version 1.4, August 17, 2015 - Numerous bug fixes, lots of
- Version 1.3, July 6, 2015 - Fix bugs, add features.
- Version 1.2, June 21, 2015 - Fix bugs, add features.
- Version 1.0, June 16, 2015 - Initial version
The following pages describe the individual functions of the
Professional Debt Calculator:
Credit Card Calculators
General Loan Calculators
'Create your own calculator': Advanced clauses and interest rules
Financial algorithms and Developer Data
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Standard input and output fields
Many of the calculator use the similar input and output fields.
The following are the most common input fields:
- Amount -- Specify the dollar amount of the loan.
- Start Date -- This is the starting date of the transaction.
- Loan Length - Years -- Specify the length of the loan in years.
- Loan Length - Months -- Specify the length of the loan in months.
- Annual Interest Rate -- Specify the nominal annual interest rate for
the transaction. This is the most common case, when there's a fixed
interest rate. For more complex interest rate rules, including
adjustable rates, select 'Show Advanced Options', and press the button
for interest rates and rules.
- Payment or Monthly Payment -- Specify the dollar amount of the
periodic payment. In the case of mortgage loans or credit cards, this
is usually a monthly payment.
- Checkbox: 'Show Advanced Options' -- Selecting this reveals the
buttons that let you add advanced clauses to the transaction.
The following are the most common output fields:
- Time Stamp -- The date and time when the amortization
computations were performed.
- Start Date -- The start date of the entire transaction. Note that
individual clauses in the transaction may have different start dates.
- End Date -- The end date of the transaction. Depending on the type of
calculator, this might be a date that you specify (such as your
retirement date) or it might be the date when the transaction
- Number of Payments -- The number of payments during the term of the
- Number of Fee Payments -- The number of fee payments during the term
of the transaction.
- Computed amount -- The dollar amount computed by the calculator,
depending on the type of calculator. It might be a computed monthly
payment, or it might be the amount of the initial balance (or cash
advance) in the case of 'how much can you afford' calculators.
- Computed amount - last period -- In the case where the calculator is
computing a monthly payment, the monthly payment in the last month may
be slightly different from the other monthly payments because the
calculated monthly payment is rounded up to the next penny, so the
last payment has to be smaller to balance the transaction.
- Total payment -- This is the total of all payments made during the
- Total interest payment -- This is the total amount paid in interest
during the transaction.
- Total fees -- This is the total amount paid in fees during the
- Total advance -- This is the total amount of cash advances and
purchases made during the transaction.
- Amount financed -- This is the total amount financed. Usually it's
the same as the total advance, but the amount financed may also
include some fees that are financed.
- Total Finance Charge -- Total amount of interest and fees.
- Monthly APR -- This is the Annual Percentage Rate (APR) divided by 12,
if the unit period in the transaction is a month. If the unit period
is something else, then this is the APR per that unit period.
- Annual Percentage Rate (APR) -- This is the Annual Percentage Rate
(APR), computed according to the federal regulations in the Federal
Reserve Truth in Lending Law.
Xenakis Professional Debt Calculator
Copyright © 2002-2016 by
John J. Xenakis