Bug 431160

Summary:	Loan account calculates wrong data
Product:	[Applications] kmymoney	Reporter:	Stefan <projects>
Component:	general	Assignee:	KMyMoney Devel Mailing List <kmymoney-devel>
Status:	RESOLVED WORKSFORME
Severity:	normal
Priority:	NOR
Version First Reported In:	5.1.0
Target Milestone:	---
Platform:	openSUSE
OS:	Linux
Latest Commit:		Version Fixed/Implemented In:
Sentry Crash Report:
Attachments:	Amortization plan

Description Stefan 2021-01-04 21:08:53 UTC

KMyMoney Version:
```
kmymoney --version
kmymoney 5.1.0
```

**Steps to reproduce:**

1) Account -> New Account
2) Choose a bank
3) Choose account type: Load (or credit)
4) Type: Take a loan
   Frequency: monthly
   interest change rate: monthly
   fixed interest
5) loan amount: 150000 \
   interest rate: 1% \
   duration: 312 month \
   rest: 381.01
6) calculate

**Expected results:**

Amortization should be: 544.65

**Actual results:**

Amortization: 545.10

**What works**

Insert the following:

5) loan amount: 150000 \
   interest rate: 1% \
   duration: 313 month \
   amortization: 544.65 \
   rest: 0,00

But then the rest is wrong (should be 381.01) and it should be 312 rates plus one rate with the rest.

Comment 1 Thomas Baumgart 2021-01-05 12:22:15 UTC

Created attachment 134571 [details]
Amortization plan

I am not sure how you end up with those monthly payments. I tried to duplicate them using a spreadsheet using the PMT-function (attached) and get the same results as in KMyMoney, just like you do.

The details of the math behind the calculation performed in KMyMoney can be found on e.g. https://www.hughcalc.org/formula.html.

How did you calculate your values?

Comment 2 Thomas Baumgart 2021-01-05 12:22:34 UTC

Status change

Comment 3 Bug Janitor Service 2021-01-20 04:33:19 UTC

Dear Bug Submitter,

This bug has been in NEEDSINFO status with no change for at least
15 days. Please provide the requested information as soon as
possible and set the bug status as REPORTED. Due to regular bug
tracker maintenance, if the bug is still in NEEDSINFO status with
no change in 30 days the bug will be closed as RESOLVED > WORKSFORME
due to lack of needed information.

For more information about our bug triaging procedures please read the
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If you have already provided the requested information, please
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Comment 4 Bug Janitor Service 2021-02-04 04:33:19 UTC

This bug has been in NEEDSINFO status with no change for at least
30 days. The bug is now closed as RESOLVED > WORKSFORME
due to lack of needed information.

For more information about our bug triaging procedures please read the
wiki located here:
https://community.kde.org/Guidelines_and_HOWTOs/Bug_triaging

Thank you for helping us make KDE software even better for everyone!