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artemind/credit-calculator
==========================

A simple PHP-based Credit Calculator that supports multiple types of loan payment calculations

v1.0.0(9mo ago)00MITPHPPHP >=8.2

Since Aug 15Pushed 9mo ago1 watchersCompare

[ Source](https://github.com/artemind/credit-calculator-php)[ Packagist](https://packagist.org/packages/artemind/credit-calculator)[ Docs](https://github.com/artemind/credit-calculator-php)[ RSS](/packages/artemind-credit-calculator/feed)WikiDiscussions main Synced 1mo ago

READMEChangelog (1)Dependencies (4)Versions (3)Used By (0)

🏦 PHP Credit Calculator Package
===============================

[](#-php-credit-calculator-package)

A simple PHP-based Credit Calculator that supports three types of loan payment calculations:

- **Annuity Payments**
- **Differentiated Payments**
- **Bullet Payments**

Features
--------

[](#features)

- **Annuity Calculation**: Fixed monthly payments throughout the loan period.
- **Differentiated Calculation**: Payments decrease over time, starting with higher amounts.
- **Bullet Calculation**: Payment method where the borrower only pays interest throughout the loan term, and the entire principal is paid in lump sum at the end of loan period.

Requirements
------------

[](#requirements)

- PHP 8.2 or higher

Installation
------------

[](#installation)

```
composer require artemind/credit-calculator
```

Usage
-----

[](#usage)

```
use Artemind\CreditCalculator\ResolverFactory;
use Artemind\CreditCalculator\Enums\CalculationType;

$resolver = ResolverFactory::createResolver(CalculationType::annuity);

$paymentSchedule = $resolver->resolve(6, 5000, 45);
```

### Result

[](#result)

```
{
   "total_amount_with_interest":5676,
   "total_amount_without_interest":5000,
   "schedule":[
      {
         "month":1,
         "principal_payment":759,
         "interest_payment":188,
         "total_payment":946,
         "remaining_principal":4241
      },
      {
         "month":2,
         "principal_payment":787,
         "interest_payment":159,
         "total_payment":946,
         "remaining_principal":3454
      },
      {
         "month":3,
         "principal_payment":817,
         "interest_payment":130,
         "total_payment":946,
         "remaining_principal":2638
      },
      {
         "month":4,
         "principal_payment":847,
         "interest_payment":99,
         "total_payment":946,
         "remaining_principal":1791
      },
      {
         "month":5,
         "principal_payment":879,
         "interest_payment":67,
         "total_payment":946,
         "remaining_principal":912
      },
      {
         "month":6,
         "principal_payment":912,
         "interest_payment":34,
         "total_payment":946,
         "remaining_principal":0
      }
   ]
}
```

👨‍💻 Author
----------

[](#‍-author)

**Artem Yeremenko**

- Website: [artemind.dev](https://artemind.dev/?utm_source=github&utm_medium=repo_credit-calculator-php&utm_campaign=personal_brand)
- GitHub: [@artemind](https://github.com/artemind)

###  Health Score

30

—

LowBetter than 64% of packages

Maintenance58

Moderate activity, may be stable

Popularity0

Limited adoption so far

Community7

Small or concentrated contributor base

Maturity49

Maturing project, gaining track record

 Bus Factor1

Top contributor holds 100% of commits — single point of failure

How is this calculated?**Maintenance (25%)** — Last commit recency, latest release date, and issue-to-star ratio. Uses a 2-year decay window.

**Popularity (30%)** — Total and monthly downloads, GitHub stars, and forks. Logarithmic scaling prevents top-heavy scores.

**Community (15%)** — Contributors, dependents, forks, watchers, and maintainers. Measures real ecosystem engagement.

**Maturity (30%)** — Project age, version count, PHP version support, and release stability.

###  Release Activity

Cadence

Unknown

Total

1

Last Release

270d ago

### Community

Maintainers

![](https://www.gravatar.com/avatar/9196dc443809a5d0710ecd7daf6b7b1af06f03f81144cc8f7d2050ecedbefe43?d=identicon)[tem4iq](/maintainers/tem4iq)

---

Top Contributors

[![artemind](https://avatars.githubusercontent.com/u/24897027?v=4)](https://github.com/artemind "artemind (21 commits)")

---

Tags

composer-packagecredit-calculatorcreditsinstallmentsloansphp-librarycreditloancredit-calculatorpayment scheduleartemind

###  Code Quality

TestsPest

Static AnalysisPHPStan

Code StylePHP CS Fixer

Type Coverage Yes

### Embed Badge

![Health badge](/badges/artemind-credit-calculator/health.svg)

```
[![Health](https://phpackages.com/badges/artemind-credit-calculator/health.svg)](https://phpackages.com/packages/artemind-credit-calculator)
```

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