﻿ 一组php金融函数_PHP_开心洋葱网
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# 一组php金融函数

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```<?php
/*
VARIABLES:
\$m  =  number  of  periods  per  year.    For  instance,  if  you  are  For
instance,  if  you  are  making  payments  monthly  then  this  number  is  12.
\$n  =  total  number  of  periods.    For  instance,  if  you  are
compounding  monthly  for  5  years,  this  number  would  be  60  (12  months
x  5  years).
\$R  =  annual  interest  rate  (represented  as  a  decimal,  8%  =  .08)
\$pmt  =  first  or  re-occuring  payment  or  receipt  (this  number  cannot
vary  for  differing  cash  flows)
\$principal  =  present  value  of  an  annuity,  or  current  principal  of  a
loan  used  in  the  PaymentCalc  function
*/
//  present  value  of  an  Annuity
//  uses  include  defining  Remaining  Principal  of  a  loan/mortgage
function  PVannuity  (\$m,\$n,\$R,\$pmt)  {

\$Z  =  1  /  (1  +  (\$R/\$m));
return  (\$pmt  *  \$Z  *  (1  -  pow(\$Z,\$n)))/(1  -  \$Z);
}
//  Given  the  compounding,  principal,  interest  rate,  you  can  calculate
the  monthly  payment
function  PaymentCalc  (\$m,\$n,\$R,\$principal)  {
\$Z  =  1  /  (1  +  (\$R/\$m));
return  ((1  -  \$Z)  *  \$principal)  /  (\$Z  *  (1  -  pow(\$Z,\$n)));

}
//  future  value  of  an  Annuity
function  FVannuity  (\$m,\$n,\$R,\$pmt)  {
return  \$pmt  *  ((pow((1  +  \$R/\$n),\$m)  -  1)/(\$R/\$n));
}
//  present  value  of  a  single  payment
function  PVsingle  (\$m,\$n,\$R,\$pmt)  {
return  \$pmt  *  pow((1  +  \$R/\$m),-\$n);
}
//  future  value  of  a  single  payment
function  FVsingle  (\$m,\$n,\$R,\$pmt)  {
return  \$pmt  *  pow((1  +  \$R/\$m),\$n);
}

//  future  value  of  a  single  payment  with  continuous  compounding
function  FVperp  (\$m,\$n,\$R,\$pmt)  {
return  \$pmt  *  exp(\$R  *  (\$n/\$m));
}
?>
```

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