antecipation.php

<?php

// Interest Example
$our_interest_rate = 2.50;

// When passing the interest to the customer, remember that the calculation must always be done with the
// base value (The total invoice or the invoice - transaction costs) (Transaction Costs = 4.5% + 30 cents for example)
$invoice_total = 100.0;
$installments = 12;

$installment_total = $invoice_total/$installments;

$factor = 1+($our_interest_rate/100);

echo "Invoice Total: {$invoice_total}\r\n";

echo "=== HOW TO CALCULATE THE INVOICE TOTAL TO ALWAYS ALLOW ANTECIPATION (Just remember that antecipation is optional) ===\r\n";

echo "Calculating Installments values to Present Date\r\n";

$new_invoice_total = 0.0;

$antecipation_date = 30;

for ($i=1;$i<($installments+1);$i++)
{
  $period_factor = $i-($antecipation_date/30);

  echo "- Installment {$i}x:\r\n";
  $installment_factor = pow($factor, $period_factor);
  echo "-- Installment Factor : {$installment_factor}\r\n";

  $cost_to_financing_this_installment = $installment_total - ($installment_total/$installment_factor);
  echo "-- Cost for financing this installment: {$cost_to_financing_this_installment}\r\n";

  $installment_total_antecipated = $installment_total - $cost_to_financing_this_installment;
  echo "-- Installment total to receive: {$installment_total_antecipated}\r\n";
  $new_invoice_total += $installment_total_antecipated;
}

echo "Invoice amount to receive after payment antecipation interest: {$new_invoice_total}\r\n";
echo "@@@\r\n";

$include_interest_factor = $invoice_total / $new_invoice_total;
$invoice_total_with_included_interest = $include_interest_factor * $invoice_total;

echo "New invoice total with included interest: {$invoice_total_with_included_interest}\r\n";

echo "\r\n";

?>