import java.text.*;

import java.util.ArrayList;

import java.util.Iterator;

import java.util.List;


public class Amortization

{

    private double debt;

    private double rate;

    private int periods;

    private double payment = -1;

    private double totalPayment = -1;

    private double totalInterest = -1;

    private double[] principalPaid;

    private double[] interestPaid;

    private double[] cumulativePrincipal;
    private double[] cumulativeInterest;
    private double[] cumulativePayment;
    private double[] principalBalance;

    private boolean scheduleSet = false;


    public Amortization(double debt, double rate, int periods)

        throws IllegalArgumentException
    {
        if (debt <= 0 || rate <= 0 || periods <= 0)
            throw new IllegalArgumentException();

        setDebt(debt);
        setRate(rate);
        setPeriods(periods);
        setPayment();
        setTotalPayment();

    }


    public double getDebt()

    {

        return debt;

    }


    public double getRate()

    {

        return rate;

    }


    public int getPeriods()

    {

        return periods;

    }


    public double getPayment()

    {
        if (payment == -1)
            setPayment();

        return payment;

    }


    public double getTotalPayment()

    {
        if (totalPayment == -1)
            setTotalPayment();

        return totalPayment;

    }


    public double getTotalInterest()

    {
        if (totalInterest == -1)
            setTotalInterest();

        return totalInterest;

    }


    public double[] getPrincipalPaid()

    {
        if (!scheduleSet)
            setSchedule();

        return principalPaid;

    }


    public double[] getInterestPaid()

    {
        if (!scheduleSet)
            setSchedule();

        return interestPaid;

    }


    public double[] getCumulativePrincipal()
    {
        if (!scheduleSet)
            setSchedule();

        return cumulativePrincipal;

    }


    public double[] getCumulativeInterest()
    {
        if (!scheduleSet)
            setSchedule();
        return cumulativeInterest;

    }


    public double[] getCumulativePayment()
    {
        if (!scheduleSet)
            setSchedule();

        return cumulativePayment;

    }


    public double[] getPrincipalBalance()
    {
        if (!scheduleSet)
            setSchedule();

        return principalBalance;

    }


    public String toString()

    {
        if (!scheduleSet)
            setSchedule();

        NumberFormat nf = NumberFormat.getInstance();
        DecimalFormat df = (DecimalFormat)NumberFormat.getCurrencyInstance();
        FieldPosition fp = new FieldPosition(NumberFormat.INTEGER_FIELD);
//        int i = fp.getEndIndex();
//        df.applyPattern("########.00");
        StringBuffer sb = new StringBuffer();
        sb.append("\n");
        sb.append("AMORTIZATION SCHEDULE");
        sb.append("\n");
        sb.append("\n");
        sb.append("Initial debt: ");
        sb.append(nf.format(debt));
        sb.append("\n");
        sb.append("Periodic rate: ");
        sb.append(rate);
        sb.append("\n");
        sb.append("Number of periods: ");
        sb.append(periods);
        sb.append("\n");
        sb.append("Periodic Payment: ");
        sb.append(nf.format(getPayment()));
        sb.append("\n");
        sb.append("Total Payment: ");
        sb.append(nf.format(getTotalPayment()));
        sb.append("\n");
        sb.append("\n");
        sb.append("Total Interest: ");
        sb.append(nf.format(getTotalInterest()));
        sb.append("\n");
        sb.append("Period   Principal Paid   Interest Paid   Cumulative Principal   Cumulative interest   Cumulative Payment   Principal Balance\n");
        sb.append("------   --------------   -------------   --------------------   -------------------   ------------------   -----------------\n");
        for (int period = 0; period <= periods; period++)
        {
            sb.append(nf.format(period));
            sb.append("   ");
            sb.append(df.format(principalPaid[period]));
            sb.append("   ");
            sb.append(df.format(interestPaid[period]));
            sb.append("   ");
            sb.append(df.format(cumulativePrincipal[period]));
            sb.append("   ");
            sb.append(df.format(cumulativeInterest[period]));
            sb.append("   ");
            sb.append(df.format(cumulativePayment[period]));
            sb.append("   ");
            sb.append(df.format(principalBalance[period]));
            sb.append("\n");
        }
        return sb.toString();

    }


    public static void main(String[] args)
    {
        Amortization amortization = null;
        amortization = AmortizationFactory.create(212000, 7.25, 30, AmortizationFactory.YEARLY);
        System.out.println(amortization);
        amortization = AmortizationFactory.create(212000, 7.25, 30, AmortizationFactory.MONTHLY);
        System.out.println(amortization);

    }


    private void setDebt(double debt)

    {

        this.debt = debt;

    }


    private void setRate(double rate)

    {

        this.rate = rate;

    }


    private void setPeriods(int periods)
    {

        this.periods = periods;

    }


    private void setPayment()

    {
        double amortizationFactor
            = (1 - Math.pow(1 + rate, -1 * periods)) / rate;
        payment = debt / amortizationFactor;

    }


    public void setTotalPayment()

    {

        totalPayment = payment * periods;
    }


    public void setTotalInterest()

    {
        if (totalPayment == -1)
            setTotalPayment();

        totalInterest = totalPayment-debt;

    }


    private void setSchedule()

    {
        principalPaid = new double[periods+1];
        interestPaid = new double[periods+1];
        cumulativePrincipal = new double[periods+1];
        cumulativeInterest = new double[periods+1];
        cumulativePayment = new double[periods+1];
        principalBalance = new double[periods+1];

        if (payment == -1)
            setPayment();

        principalPaid[0] = 0;
        interestPaid[0] = 0;
        cumulativePrincipal[0] = 0;
        cumulativeInterest[0] = 0;
        cumulativePayment[0] = 0;
        principalBalance[0] = debt;
        for (int period = 1; period <= periods; period++)
        {
            interestPaid[period]
                = principalBalance[period-1] * rate;
            principalPaid[period]
                = payment - interestPaid[period];
            cumulativePrincipal[period] = cumulativePrincipal[period-1]
                + principalPaid[period];
            cumulativeInterest[period] = cumulativeInterest[period-1]
                + interestPaid[period];
            cumulativePayment[period] = cumulativePayment[period-1] + payment;
            principalBalance[period]
                = principalBalance[period-1] - principalPaid[period];
        }

        scheduleSet = true;

    }

}