// This program produces a loan amortization chart for the
// Central Mountain Credit Union.
#include <iostream>
#include <iomanip>
#include <cmath>  // For pow function
using namespace std;

int main()
{
   const int MONTHS = 12;  // Months per year
   double loan,            // Loan amount
          rate,            // Annual interest rate
          years,           // Years of loan
          balance,         // Monthly balance
          term,            // Used to calculate payment
          payment;         // Monthly payment

   // Ask user for input.
   cout << "Loan amount: $";
   cin >> loan;
   cout << "Annual interest rate: ";
   cin >> rate;
   cout << "Years of loan: ";
   cin >> years;

   // Calculate monthly payment.
   term = pow((1 + rate / MONTHS), MONTHS * years);
   payment = (loan * rate / MONTHS * term) / (term - 1.0);

   // Display monthly payment.
   cout << fixed << showpoint << setprecision(2);
   cout << "Monthly payment: $" << payment << endl;

   // Display report header.
   cout << endl;
   cout << setw(5) << "Month";
   cout << setw(10) << "Interest";
   cout << setw(10) << "Principal";
   cout << setw(10) << "Balance" << endl;
   cout << "----------------------------------------\n";

   // Produce a listing for each month.
   balance = loan;
   int numPayments = MONTHS * years;
   for (int month = 1; month <= numPayments; month++)
   {
      double minterest, principal;
      // Calculate monthly interest
      minterest = rate / MONTHS * balance;
      if (month != numPayments)
         principal = payment - minterest;

      else // If this is the last month
      {
         principal = balance;
         payment = balance + minterest;
      }

      // Calculate the new loan balance.
      balance -= principal;
      
      // Display payment figures
      cout << setw(4) << month;
      cout << setw(10) << minterest;
      cout << setw(10) << principal;
      cout << setw(10) << balance << endl;
   }
   return 0;
}