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niksynov/installment-loan-calculator
====================================

PHP package for installment loan calculation

1.0.3(3y ago)111MITPHP

Since Feb 23Pushed 3y ago1 watchersCompare

[ Source](https://github.com/niksynov/installment-loan-calculator)[ Packagist](https://packagist.org/packages/niksynov/installment-loan-calculator)[ RSS](/packages/niksynov-installment-loan-calculator/feed)WikiDiscussions main Synced yesterday

READMEChangelog (4)DependenciesVersions (5)Used By (0)

installment-loan-calculator
===========================

[](#installment-loan-calculator)

PHP package for installment loan calculation

Installation:
-------------

[](#installation)

`composer require niksynov/installment-loan-calculator`

Usage:
------

[](#usage)

Given total amount is `100000`, interest rate per month is `0.5%` and number of payments is `36`

```
use NikSynov\InstallmentLoanCalculator\Calculator;

$payments = Calculator::calculate(100000, 0.5, 36);

```

Method will return array of 36 monthly payments with `month`, `beginningBalance`, `interest`, `principal`, `emi` and `endingBalance`:

```
array(36) {
  [0]=>
  object(NikSynov\InstallmentLoanCalculator\Payment)#4 (6) {
    ["month"]=>
    int(1)
    ["beginningBalance"]=>
    loat(100000)
    ["interest"]=>
    float(500)
    ["principal"]=>
    float(2542.19)
    ["emi"]=>
    float(3042.19)
    ["endingBalance"]=>
    float(97457.81)
  }
...
  [35]=>
    object(NikSynov\InstallmentLoanCalculator\Payment)#38 (6) {
      ["month"]=>
      int(36)
      ["beginningBalance"]=>
      float(3027.06)
      ["interest"]=>
      float(15.14)
      ["principal"]=>
      float(3027.06)
      ["emi"]=>
      float(3042.19)
      ["endingBalance"]=>
      float(0)
  }
}

```

Useful links
------------

[](#useful-links)

- [How EMI is calculated](https://corporatefinanceinstitute.com/resources/commercial-lending/equated-monthly-installment-emi/)

###  Health Score

23

—

LowBetter than 26% of packages

Maintenance20

Infrequent updates — may be unmaintained

Popularity7

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

Every ~0 days

Total

4

Last Release

1226d ago

### Community

Maintainers

![](https://www.gravatar.com/avatar/a73fe655a11d3c46f4b04ac7295d0d85b211d0a842656568f64110a41874d6a7?d=identicon)[NickSynev](/maintainers/NickSynev)

---

Top Contributors

[![niksynov](https://avatars.githubusercontent.com/u/14369963?v=4)](https://github.com/niksynov "niksynov (9 commits)")

### Embed Badge

![Health badge](/badges/niksynov-installment-loan-calculator/health.svg)

```
[![Health](https://phpackages.com/badges/niksynov-installment-loan-calculator/health.svg)](https://phpackages.com/packages/niksynov-installment-loan-calculator)
```

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