Debt Repayment Calculator and More

I want a stand alone, downloadable debt repayment calculator. I have an example from another web-site, as well as examples of some debt calculators you find online. The user will input some basic loan information, click how they want to pay it off and the system will generate a debt repayment schedule. Must be able to print out the debt repayment plan, as well as save it and open the plan and edit it in the future - giving them the ability to save as another file name. ## Deliverables **The user will input** - creditor, interest rate, current balance, current minimum payment, and a strategy for repayment - highest interest first, lowest balance first, or lowest payment first. **They will also input how much extra money they have to put toward that first debt. They will pay the minimum amount against the other debts. The calculations will be displayed in a new page in several pages.** **Page 1 will be a Summary - balance due, number of creditors, current payment, “new payment?? Page 2 is Creditors Repayment Plan - balance due, estimated interest, total cost of balance and interest, years and months till paid off using minimum payments. Page 3 is Your Repayment Plan, shows everything in Page 2, plus interest saved and years and months saved: based on users choice of repayment on first page ??" and against paying only the minimum payment amount.** **Features:** **I want my users to be able to save their schedules and print out the Payment Schedule. The software is a debt calculating program such as you find online at [login to view URL] or other financial website.** [**[login to view URL]**][1] **Click on the “Pay Off My Debts?? Feature to see what I’m looking for.** [**[login to view URL]**][2] **The calculator allows you to: enter your debts, interest rate, min. payment information choose between APR, highest balance, lowest payment, etc. to see when your debts will be paid at constant payments, minimum payments, or if you add extra What I want is for someone to take this software and either change the code I have, or create new code, to produce a product that will be similar in nature, a standalone piece of software.** **Project Scope - Debt Calculator** **The solution will work out total debt, disposable income and duration of repayments. Step 1: CALCULATING DISPOSABLE INCOME Enter income amounts - system produces sub-total Enter expenditure amounts - system produces sub-total *System calculates:* disposable income (income - expenditure) Step 2 CALCULATING DEBT AND REPAYMENT POTENTIAL Enter creditor details (creditor, amount owed, monthly interest rate, minimum repayment or minimum repayment percentage) *System calculates:* Total required monthly payment Total amount owed Monthly surplus / deficit: (disposable income - total minimum monthly payments) Affordable monthly payments for each creditor (pro rata): (amount owed to creditor x disposable income)/total amount owed Step 3 CALCULATING DURATION OF REPAYMENTS FOR EACH CREDITOR *System calculates**** ***(total owed to creditor - repayment amount) x monthly interest rate = opening balance for following month: repeat until balance = zero System calculates years and months Also *System calculates**** ***(total owed to creditor - minimum repayment based on %) x monthly interest rate = opening balance for following month repeat until minimum payment = zero System calculates years and months ** ** Key Objectives: **System must be easy to use. Must work on the widest range of machines and operating systems. Results must be clear. Layout must be professional. All field names, cell names and additional info will be provided on commencement of project. **Please outline how you plan to construct solution** (Excel, Access, SQL, VBA self contained app etc). Also **please give examples of similar work completed**. I am particularly interested in the look and feel of the finished solution. I want a drop down menu of options including the ability to purchase a variety of my products that will be available on my web-site. The drop down menu options should have a print option a Save option, as well as a few other goodies you can think of. Again, here’s a great example of a similar system that I’m looking to create: <[login to view URL]> If you think you can create an all-encompassing type of product like this, let me know. I’ll obviously pay more for the features. You can also see a free example at <[login to view URL]> which isn’t as robust as I’d like, but it will do. **Calculators** ??" I will provide a site that has examples of all the different types of calculations I will want in the software program. 1) Complete and fully-functional working program(s) in executable form as well as complete source code of all work done. 2) Deliverables must be in ready-to-run condition, as follows (depending on the nature of the deliverables): a) For web sites or other server-side deliverables intended to only ever exist in one place in the Buyer's environment--Deliverables must be installed by the Seller in ready-to-run condition in the Buyer's environment. b) For all others including desktop software or software the buyer intends to distribute: A software installation package that will install the software in ready-to-run condition on the platform(s) specified in this bid request. 3) All deliverables will be considered "work made for hire" under U.S. Copyright law. Buyer will receive exclusive and complete copyrights to all work purchased. (No GPL, GNU, 3rd party components, etc. unless all copyright ramifications are explained AND AGREED TO by the buyer on the site per the coder's Seller Legal Agreement). ## Platform Microsoft Windows