public static PaymentPlanOutputEntry ApplyMonthlyPayment(DateTime currentDate, DebtEntry debtEntry,
PaymentManager paymentManager, double additionalPrinciple = 0)
{
double startingBalance = debtEntry.CurrentBalance;
double interestPortion = debtEntry.MonthlyInterest * debtEntry.CurrentBalance;
double minimumPrinciple = debtEntry.MinimumMonthlyPayment - interestPortion;
double principalPortion = minimumPrinciple + additionalPrinciple;
double possibleBalance = debtEntry.CurrentBalance -= principalPortion;
if (possibleBalance < 0)
{
debtEntry.CurrentBalance = 0;
paymentManager.AddWindfallEntry(Math.Abs(possibleBalance), currentDate.AddMonths(1));
}
else
{
debtEntry.CurrentBalance = possibleBalance;
}
PaymentPlanOutputEntry output = PaymentPlanOutputEntry.Create(
debtEntry.Name, currentDate, startingBalance, interestPortion,
minimumPrinciple, additionalPrinciple, debtEntry.CurrentBalance);
//PaymentPlanOutputEntry.WriteToConsole(output);
return output;
}
public static Collection<PaymentPlanOutputEntry> CalculateDebtSnowball(DebtManager debtManager, PaymentManager paymentManager)
{
Collection<PaymentPlanOutputEntry> col = new Collection<PaymentPlanOutputEntry>();
DateTime startDate = DateTime.Now;
DateTime currentDate = DateTime.Now;
foreach (DebtEntry debt in debtManager.DebtEntries)
{
while (debt.CurrentBalance > 0)
{
double salarySnowball = paymentManager.GetTotalMonthlySnowball(startDate, currentDate);
col.Add(DebtSnowballCalculator.ApplyMonthlyPayment(currentDate, debt, paymentManager, salarySnowball));
currentDate = currentDate.AddMonths(1);
}
}
return col;
}