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<html>
<head><script type="text/javascript">
//*******************************************
//DO NOT REMOVE THIS COPYWRITE INFO!
//Savings Goal Calculator
//1998 Daniel C. Peterson ALL RIGHTS RESERVED
//Created: 08/21/1998
//Last Modified: 04/06/2009
//This script may not be copied, edited, distributed or reproduced
//without express written permission from
//Daniel C. Peterson of Web Winder Website Services
//For commercial use rates, contact:
//Dan Peterson:
//Web Winder Website Services
//P.O. Box 11
//Bemidji, MN  56619
//dan@webwinder.com
//http://www.webwinder.com
//Commercial User Licence #:7579-1662-46-1580
//Commercial Licence Date:2013-07-13
//*******************************************



function fn(num, places, comma) {

var isNeg=0;

    if(num < 0) {
       num=num*-1;
       isNeg=1;
    }

    var myDecFact = 1;
    var myPlaces = 0;
    var myZeros = "";
    while(myPlaces < places) {
       myDecFact = myDecFact * 10;
       myPlaces = Number(myPlaces) + Number(1);
       myZeros = myZeros + "0";
    }
    
	onum=Math.round(num*myDecFact)/myDecFact;
		
	integer=Math.floor(onum);

	if (Math.ceil(onum) == integer) {
		decimal=myZeros;
	} else{
		decimal=Math.round((onum-integer)* myDecFact)
	}
	decimal=decimal.toString();
	if (decimal.length<places) {
        fillZeroes = places - decimal.length;
	   for (z=0;z<fillZeroes;z++) {
        decimal="0"+decimal;
        }
     }

   if(places > 0) {
      decimal = "." + decimal;
   }

   if(comma == 1) {
	integer=integer.toString();
	var tmpnum="";
	var tmpinteger="";
	var y=0;

	for (x=integer.length;x>0;x--) {
		tmpnum=tmpnum+integer.charAt(x-1);
		y=y+1;
		if (y==3 & x>1) {
			tmpnum=tmpnum+",";
			y=0;
		}
	}

	for (x=tmpnum.length;x>0;x--) {
		tmpinteger=tmpinteger+tmpnum.charAt(x-1);
	}


	finNum=tmpinteger+""+decimal;
   } else {
      finNum=integer+""+decimal;
   }

    if(isNeg == 1) {
       finNum = "-" + finNum;
    }

	return finNum;
}




function sn(num) {

   num=num.toString();


   var len = num.length;
   var rnum = "";
   var test = "";
   var j = 0;

   var b = num.substring(0,1);
   if(b == "-") {
      rnum = "-";
   }

   for(i = 0; i <= len; i++) {

      b = num.substring(i,i+1);

      if(b == "0" || b == "1" || b == "2" || b == "3" || b == "4" || b == "5" || b == "6" || b == "7" || b == "8" || b == "9" || b == ".") {
         rnum = rnum + "" + b;

      }

   }

   if(rnum == "" || rnum == "-") {
      rnum = 0;
   }

   rnum = Number(rnum);

   return rnum;

}

function computeForm(form) {

   if(document.calc.downPay.value == "" || document.calc.downPay.value == 0) {
      alert("Please enter an amount in Line #1.");
      document.calc.downPay.focus();
   } else
      if(document.calc.intRate.value == "" || document.calc.intRate.value == 0) {
      alert("Please enter an amount in Line #3.");
      document.calc.intRate.focus();
   } else
      if(document.calc.numYears.value == "" || document.calc.numYears.value == 0) {
      alert("Please enter an amount in Line #4.");
      document.calc.numYears.focus();
   } else {

      var VdownPay = sn(document.calc.downPay.value);

      var VsaveBal = sn(document.calc.saveBal.value);

      var VnumYears = sn(document.calc.numYears.value);

      var intRate = sn(document.calc.intRate.value);

 
      intRate = intRate / 100.0;

      var factor1 = eval(intRate) + eval(1);

      var denom1 = 1;

      var count1 = 0;

      while(count1 < VnumYears) {
         denom1 = denom1 * factor1;
         count1 = eval(count1) + eval(1);
      }

      var VsaveFV = VsaveBal * denom1;

      document.calc.saveFV.value = "$" + fn(VsaveFV,2,1);

      var VsaveGap = eval(VdownPay) - eval(VsaveFV);

      document.calc.saveGap.value = "$" + fn(VsaveGap,2,1);

   
      var count2 = 0;

      var intRate2 = intRate / 12;

      var numMonths = VnumYears * 12;

      var factor2 = eval(1) + eval(intRate2);

      var denom2 = 1;
    
      while(count2 < numMonths) {
         denom2 = denom2 * factor2;
         count2 = eval(count2) + eval(1);
      }

      var Vpv = eval(denom2) - eval(1);

      Vpv = intRate2 / Vpv;

      Vpv = Vpv * VsaveGap;

      document.calc.moSave.value = "$" + fn(Vpv,2,1);

   }
    
}



function help(num,txt) {

   var v_help_cell_1 = document.getElementById("help_1");
   var v_help_cell_2 = document.getElementById("help_2");

   if(num == 1) {
      v_help_cell_1.innerHTML = "<font face='arial'><small>" + txt + "</small></font>";
      v_help_cell_2.innerHTML = "";
   } else {
      v_help_cell_1.innerHTML = "";
      v_help_cell_2.innerHTML = "<font face='arial'><small>" + txt + "</small></font>";
   }
}

function clear_results(num) {

   var v_help_cell_1 = document.getElementById("help_1");
   var v_help_cell_2 = document.getElementById("help_2");

   if(num == 1) {
      v_help_cell_2.innerHTML = "";
   } else {
      v_help_cell_1.innerHTML = "";
   }

   document.calc.saveFV.value = "";
   document.calc.saveGap.value = "";
   document.calc.moSave.value = "";


}

function reset_calc(num) {

   document.calc.downPay.value = "";
   document.calc.saveBal.value = "";
   document.calc.numYears.value = "";
   document.calc.intRate.value = "";


   var v_help_cell_1 = document.getElementById("help_1");
   var v_help_cell_2 = document.getElementById("help_2");
   v_help_cell_1.innerHTML = "";
   v_help_cell_2.innerHTML = "";


   document.calc.saveFV.value = "";
   document.calc.saveGap.value = "";
   document.calc.moSave.value = "";


}

</script>
<link href="../css/csstablestyle.css" rel="stylesheet" type="text/css">
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	<title>Newport Federal Bank - Business Opportunities</title>
</head>
<body>
<form name="calc"method="post" action="#">
<table border='1' width='50%' cellpadding='4' cellspacing='0'  
>
<tbody>

<caption> Savings Goal Calculator </caption>

<tr>
<td colspan="3">
<font face='arial' size='2' color='#000000'>
Use this calculator to figure how much your current savings will grow and how much more you'll need to save each month in order to achieve a given savings goal within a given number of years. Start with Line 1 and enter your future savings goal.
<p>

</p>
</font>
</td>
</tr>


<tr>
<td>
<font face='arial' size='2' color='#000000'>
1. Savings Goal.
</font>
</td>
<td align="center"><input type="text" name="downPay" size="15" onKeyUp="clear_results(1)" onFocus="help(1,'Line #1: Enter the amount of your future savings goal.')" />
</td>
<td width="125" align="center">
<font face='arial' size='2' color='#000000'><b>
Instructions
</b></font>
</td>
</tr>

<tr>
<td>
<font face='arial' size='2' color='#000000'>
2. Current savings balance.
</font>
</td>
<td align="center"><input type="text" name="saveBal" size="15" onKeyUp="clear_results(1)" onFocus="help(1,'Line #2: Enter the amount of money you currently have set aside (in an interest earning account) for applying toward your future savings goal.')" />
</td>
<td width="125" align="center" valign="top" rowspan="3">
<div width="120" id="help_1" align="left">
</div>
</td>
</tr>

<tr>
<td nowrap>
<font face='arial' size='2' color='#000000'>
3. Annual percentage rate (APR).
</font>
</td>
<td align="center"><input type="text" name="intRate" size="15" onKeyUp="clear_results(1)" onFocus="help(1,'Line #3: Enter the annual percentage rate (as a whole number, e.g. if 6.5%, enter 6.5) that you expect your savings will grow at.')" />
</td>
</tr>

<tr>
<td>
<font face='arial' size='2' color='#000000'>
4. Number of years.
</font>
</td>
<td align="center"><input type="text" name="numYears" size="15" onKeyUp="clear_results(1)" onFocus="help(1,'Line #4: Enter the number of years between now and when you want to accomplish your savings goal. Then click on the [Compute] button.')" />
</td>
</tr>

<tr>
<td align="center" colspan="2">
<input type="button" VALUE="Compute" onClick="computeForm(this.form)" />
<input type="button" VALUE="Reset" onClick="reset_calc(this.form)" />
</td>
<td width="125" align="center">
<font face='arial' size='2' color='#000000'><b>
Explainations
</b></font>
</td>
</tr>

<tr>
<td>
<font face='arial' size='2' color='#000000'>
5. Current savings future value (FV).
</font>
</td>
<td align="center"><input type="text" name="saveFV" size="15" onFocus="help(2,'Line #5: This is the amount your current savings will grow to at the end of the specified number of years.')" />
</td>
<td width="125" align="center" valign="top" rowspan="3">
<div width="120" id="help_2" align="left">
</div>
</td>
</tr>

<tr>
<td>
<font face='arial' size='2' color='#000000'>
6. Total savings gap.
</font>
</td>
<td align="center"><input type="text" name="saveGap" size="15" onFocus="help(2,'Line #6: This is the total additonal amount you will need to meet your savings goal.')" />
</td>
</tr>

<tr>
<td>
<font face='arial' size='2' color='#000000'>
7. Monthly deposit required.
</font>
</td>
<td align="center"><input type="text" name="moSave" size="15" onFocus="help(2,'Line #7: This is how much money you will need to save every month to reach your future savings goal.')" />
</td>
</tr>



</tbody>
</table>
</form>
<p class="calcdisclaimer">THIS FINANCIAL CALCULATOR IS PROVIDED "AS IS" AND ON "AS AVAILABLE" BASIS WITHOUT&nbsp; 
REPRESENTATIONS OR WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT 
LIMITATION WARRANTIES OF SUITABILITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND 
NON-INFRINGEMENT. Newport Federal Bank&nbsp;assumes no duty to you by making this calcuator available and shall not be 
responsible for any errors, omissions or defects in this calculator or the consequences of any decisions or actions taken in reliance upon this 
calculator. Newport Federal Bank shall not be liable under any circumstances for lost profits, lost business, loss of business reputation, or 
any direct, indirect, incidental, special, punitive or consequential damages of any kind, whether foreseeable or not, the result in any way from, or 
relate in any way to, your use, non-use or reliance on this calculator. Your sole and exclusive remedy for any claim related to this calculator is to 
stop using it.</p>

</body>