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An amortization calculator is used to determine the periodic payment amount due on a loan (typically a mortgage), based on the amortization process. The amortization repayment model factors varying amounts of both interest and principal into every installment, though the total amount of each payment is the same.
Ω(n), the prime omega function, is the number of prime factors of n counted with multiplicity (so it is the sum of all prime factor multiplicities). A prime number has Ω(n) = 1. The first: 2, 3, 5, 7, 11, 13, 17, 19, 23, 29, 31, 37 (sequence A000040 in the OEIS). There are many special types of prime numbers. A composite number has Ω(n) > 1.
The fixed monthly payment for a fixed rate mortgage is the amount paid by the borrower every month that ensures that the loan is paid off in full with interest at the end of its term. The monthly payment formula is based on the annuity formula. The monthly payment c depends upon: r - the monthly interest rate. Since the quoted yearly percentage ...
The formula calculator concept can be applied to all types of calculator, including arithmetic, scientific, statistics, financial and conversion calculators. The calculation can be typed or pasted into an edit box of: A software package that runs on a computer, for example as a dialog box. An on-line formula calculator hosted on a web site.
6% compounded monthly is credited as 6%/12 = 0.005 every month. After one year, the initial capital is increased by the factor (1 + 0.005) 12 ≈ 1.0617. Note that the yield increases with the frequency of compounding. When the frequency of compounding is increased up to infinity (as for many processes in nature) the calculation simplifies to:
For example, 15 is a composite number because 15 = 3 · 5, but 7 is a prime number because it cannot be decomposed in this way. If one of the factors is composite, it can in turn be written as a product of smaller factors, for example 60 = 3 · 20 = 3 · (5 · 4).
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If none of its prime factors are repeated, it is called squarefree. (All prime numbers and 1 are squarefree.) For example, 72 = 2 3 × 3 2, all the prime factors are repeated, so 72 is a powerful number. 42 = 2 × 3 × 7, none of the prime factors are repeated, so 42 is squarefree. Euler diagram of numbers under 100: