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<?php $date = "2016/6"; $rate = "2.90"; $summer = 7; $winter = 1; $bonus = 100000; $count = 180; $amount = 6070000; //料率　計算用 $calc_rate = $rate / 100; # ボーナス回数 $bcount = getBonusCount($date, $count, $summer, $winter); // ボーナス月テーブルの配列取得用 $bonusPattern = getBonusMonthPattern($summer, $winter); //【1】BE33　ボーナス支払残高 // = IF(★ボーナス加算希望額=0, 0, IF(【1-1】="均等", 【1-2】, IF("ボーナス月回数=奇数", 【1-3】, 【1-4】))) $bike_bonus_repay = getBikeBonusRepay($bonus, $bonusPattern, $date, $rate, $summer, $winter, $bcount); echo $bike_bonus_repay . "\r\n"; echo $amount . "\r\n"; $bike_monthly_repay = round(pmt($calc_rate, $count, $amount - $bike_bonus_repay), 0, PHP_ROUND_HALF_DOWN); echo $bike_monthly_repay; function pmt($rate, $count, $amount) { $count = $count; //支払回数 $rate = $rate / 12; //月利(%) $amount = $rate * -$amount * pow((1 + $rate), $count) / (1 - pow((1 + $rate), $count)); // return $amount; } function getBonusMonthPattern($summer, $winter) { return $summer . "-" . $winter; } /** *【1-1】AT21　間隔数利率計算用値均等 ot 不均等 * = VLOOKUP(★ボーナス加算月, [ボ月テーブル], 7, FALSE) */ function get1_1($pattern) { $a_table = array( "6-12" => 1, //"均等", "7-1" => 1, //"均等", "8-2" => 0, //"不均等", "7-12" => 0, //"不均等", "8-1" => 0, //"不均等", ); return $a_table[$pattern]; } /** *【1】BE33　ボーナス支払残高 * = IF(★ボーナス加算希望額=0, 0, IF(【1-1】="均等", 【1-2】, IF("ボーナス月回数=奇数", 【1-3】, 【1-4】))) */ function getBikeBonusRepay($bonus, $pattern, $date, $rate, $summer, $winter, $bcount) { $repay = 0; if(0 == $bonus) { return $repay; } if(1 == get1_1($pattern)) { // *【1-2】BE16　①ボーナス返済間隔均等 // * = +ROUNDUP(★ボーナス加算希望額 / 【1-2-1】, 0) $repay = round($bonus / get1_2_1($date, $rate, $summer, $winter, $bcount), 0); } else { if(0 > $bcount % 2) { //支払回数奇数 $repay = get1_3($date, $rate, $summer, $winter, $bonus, $bcount); } else { //支払回数偶数 $repay = get1_4($date, $rate, $summer, $winter, $bonus, $bcount); } } return $repay; } function get1_4($date, $rate, $summer, $winter, $bonus, $bcount) { //【1-3-1-1-1】AQ11　「初回利率」(少数12桁) $b_first_rate = getFirstRate($date, $rate, $summer, $winter); //【1-3-1-1-2】AP4　「月利」(少数12桁) $b_month_rate = getMonthlyRate($rate); //【1-3-1-1-4】AV18　ボーナス月と支払開始月からとりだす計算用の数値 //【1-3-1-1-3】AW18　 list($keyNumber1, $keyNumber2) = getKeyNumbers($date, $summer); // *【1-4-1-1】AP18　「賦金率分子」 $b_inst_numerator = (1 + $b_first_rate) * pow((1 + $b_month_rate * $keyNumber2), ($bcount / 2)) * pow((1 + $b_month_rate * $keyNumber1), ($bcount/ 2 - 1)) * ((1 + $b_month_rate * $keyNumber2) * (1 + $b_month_rate * $keyNumber1) - 1); // *【1-4-1-2】AP19　「賦金率分母」 $b_inst_denominator = (1 + (1 + $b_month_rate * $keyNumber2)) * (pow((1 + $b_month_rate * $keyNumber2), ($bcount / 2)) * pow((1 + $b_month_rate * $keyNumber1), ($bcount / 2)) - 1); // *【1-4-1】BE19　 // * = +ROUNDDOWN(【1-4-1-1】/【1-4-1-2】, 12) $b_result = round($b_inst_numerator / $b_inst_denominator, 12, PHP_ROUND_HALF_DOWN); //【1-4】BE20　②ボーナス不均・偶数 // = +ROUNDUP(★ボーナス加算希望額 / 【1-4-1】, 0) return round($bonus / $b_result, 0, PHP_ROUND_HALF_UP); } /** *【1-3-1-1-4】AV18　ボーナス月と支払開始月からとりだす計算用の数値 * = +IF(ボーナス月１ = 8, VLOOKUP(★開始月, "1～12", 2, 0), VLOOKUP(★開始月, "5 or 7", 3, 0)) * $keyNumber1 * *【1-3-1-1-3】AW18　 * = +IF(【1-3-1-1-4】 = 5, 7, 5) * $keyNumber2 */ function getKeyNumbers($date, $summer) { $t_date = explode("/", $date); $month = $t_date[1]; if(8 == $summer) { $a_bonusMonthArray = array( 1 => 7, 2 => 7, 3 => 7, 4 => 7, 5 => 7, 6 => 7, 7 => 7, 8 => 5, 9 => 5, 10 => 5, 11 => 5, 12 => 5); } else { $a_bonusMonthArray = array( 1 => 5, 2 => 7, 3 => 7, 4 => 7, 5 => 7, 6 => 7, 7 => 7, 8 => 7, 9 => 5, 10 => 5, 11 => 5, 12 => 5); } $keyNumber1 = $a_bonusMonthArray[$month]; // ？？？ if(5 == $keyNumber1) { $keyNumber2 = 7; } else { $keyNumber2 = 5; } return array($keyNumber1, $keyNumber2); } /** *【1-3-1-1-2】AP4　「月利」(少数12桁) * = ROUND(★手数料率(年利) / 12, 12) */ function getMonthlyRate($rate) { return round($rate / 12, 12); } function getFirstRate($date, $rate, $summer, $winter) { //【1-2-1-2】AP11　「初回利率」(少数5桁) // = +ROUNDDOWN(★手数料率(年利) * 【1-2-1-2-1】 / 12, 5) // 【1-2-1-2-1】AP10　「初回期間」※支払開始後、最初のボーナス月までのヶ月 $t_date = explode("/", $date); $month = $t_date[1]; $monthCount = 0; while($monthCount < 12) { $monthCount++; $check = $month + $monthCount; if($check > 12) { $check = $check - 12; } if($check == $summer || $check == $winter) { $monthCount++; break; } } return round($rate * $monthCount / 12, 12, PHP_ROUND_HALF_DOWN); } function getBonusCount($date, $count = NULL, $summer = NULL, $winter = NULL) { # 月 $t_date = explode("/", $date); # 支払回数未設定 if (!$count) { return 0; } # ボーナス月未設定 if (!$summer && !$winter) { return 0; } # ボーナス回数 $bcount = 0; if (12 > $count) { $i = $t_date[1]; $j = $i + $count; $k = 0; $l = 0; for ($k = $i; $k < $j; $k ++) { $l = $k > 12 ? $k - 12 : $k; if ($summer == $l) { $bcount ++; } if ($winter == $l) { $bcount ++; } } } else { # 年2回 if ($summer && $winter) { $bcount = $count / 6; } # 年1回 else { $bcount = $count / 12; } } return $bcount; } /** *【1-2-1】data!AP15　「賦金率」 * = +ROUNDDOWN(【1-2-1-1】 * (1 + 【1-2-1-2】) * 【1-2-1-3】 / (【1-2-1-4】 - 1), 12) * */ function get1_2_1($date, $rate, $summer, $winter, $bcount) { //【1-2-1-1】AP7　「ボーナス利率」 // = +ROUNDDOWN(★手数料率(年利) * 6 / 12, 5) $b_rate = round($rate * 6 / 12, 5, PHP_ROUND_HALF_DOWN); //【1-2-1-2】AP11　「初回利率」(少数5桁) $b_first_rate = getFirstRate($date, $rate, $summer, $winter); //【1-2-1-3】AP8　「間隔数利率」 // = ROUNDDOWN((1 + 【1-2-1-1】)^(【1-0-1】-1),12) $b_interval_rate = round(pow((1 + $b_rate), ($bcount - 1)), 12, PHP_ROUND_HALF_DOWN); //【1-2-1-4】AP9　「回数利率」 // = ROUNDDOWN((1 + 【1-2-1-1】)^(【1-0-1】),12) $b_count_rate = round(pow(1 + $b_rate, $bcount), 12, PHP_ROUND_HALF_DOWN); //= +ROUNDDOWN(【1-2-1-1】 * (1 + 【1-2-1-2】) * 【1-2-1-3】 / (【1-2-1-4】 - 1), 12) $b_inst_rate = round($b_rate * (1 + $b_first_rate) * $b_interval_rate / ($b_count_rate - 1), 12, PHP_ROUND_HALF_DOWN); return $b_inst_rate; }

Version	System time (s)	User time (s)	Memory (MiB)
8.3.6	0.013	0.006	16.88
8.3.5	0.014	0.007	16.72
8.3.4	0.015	0.004	19.29
8.3.3	0.006	0.012	19.25
8.3.2	0.004	0.004	19.25
8.3.1	0.000	0.007	22.15
8.3.0	0.004	0.004	22.24
8.2.18	0.010	0.007	16.75
8.2.17	0.018	0.004	22.96
8.2.16	0.004	0.011	22.33
8.2.15	0.008	0.000	24.18
8.2.14	0.008	0.000	24.66
8.2.13	0.004	0.004	20.27
8.2.12	0.009	0.000	26.35
8.2.11	0.006	0.003	22.39
8.2.10	0.000	0.011	18.41
8.2.9	0.000	0.009	18.13
8.2.8	0.003	0.006	18.13
8.2.7	0.005	0.003	18.30
8.2.6	0.000	0.008	18.59
8.2.5	0.003	0.006	18.10
8.2.4	0.008	0.003	20.92
8.2.3	0.008	0.000	21.36
8.2.2	0.005	0.003	18.39
8.2.1	0.008	0.000	18.38
8.2.0	0.000	0.008	18.05
8.1.28	0.009	0.009	25.92
8.1.27	0.003	0.006	24.27
8.1.26	0.004	0.004	28.09
8.1.25	0.008	0.000	28.09
8.1.24	0.003	0.006	21.19
8.1.23	0.009	0.003	18.14
8.1.22	0.008	0.000	18.26
8.1.21	0.004	0.004	18.77
8.1.20	0.004	0.004	17.72
8.1.19	0.003	0.007	17.72
8.1.18	0.000	0.008	18.10
8.1.17	0.000	0.008	22.05
8.1.16	0.004	0.004	22.44
8.1.15	0.000	0.008	20.64
8.1.14	0.000	0.008	19.94
8.1.13	0.000	0.008	18.00
8.1.12	0.000	0.007	17.88
8.1.11	0.005	0.003	17.71
8.1.10	0.000	0.009	17.78
8.1.9	0.004	0.004	17.68
8.1.8	0.005	0.003	17.82
8.1.7	0.004	0.004	17.73
8.1.6	0.008	0.000	17.89
8.1.5	0.008	0.000	17.88
8.1.4	0.004	0.004	17.70
8.1.3	0.009	0.000	17.91
8.1.2	0.000	0.008	17.93
8.1.1	0.003	0.005	17.91
8.1.0	0.003	0.005	17.76
8.0.30	0.003	0.005	18.77
8.0.29	0.004	0.004	17.13
8.0.28	0.004	0.004	18.62
8.0.27	0.000	0.007	17.65
8.0.26	0.003	0.003	17.46
8.0.25	0.003	0.005	17.43
8.0.24	0.000	0.008	17.25
8.0.23	0.004	0.004	17.36
8.0.22	0.007	0.000	17.17
8.0.21	0.003	0.005	17.28
8.0.20	0.007	0.006	17.34
8.0.19	0.000	0.007	17.29
8.0.18	0.000	0.007	17.33
8.0.17	0.000	0.009	17.24
8.0.16	0.005	0.002	17.30
8.0.15	0.006	0.006	17.20
8.0.14	0.000	0.007	17.26
8.0.13	0.003	0.003	13.80
8.0.12	0.004	0.004	17.32
8.0.11	0.000	0.007	17.33
8.0.10	0.000	0.008	17.33
8.0.9	0.000	0.008	17.26
8.0.8	0.010	0.006	17.26
8.0.7	0.005	0.003	17.16
8.0.6	0.000	0.008	17.14
8.0.5	0.005	0.003	17.34
8.0.3	0.009	0.012	17.44
8.0.2	0.009	0.013	17.49
8.0.1	0.006	0.003	17.45
8.0.0	0.006	0.012	17.18
7.4.33	0.003	0.003	15.55
7.4.32	0.000	0.007	16.82
7.4.30	0.003	0.003	16.82
7.4.29	0.000	0.007	16.84
7.4.28	0.006	0.005	16.80
7.4.27	0.000	0.007	16.90
7.4.26	0.004	0.004	16.79
7.4.25	0.000	0.007	16.70
7.4.24	0.004	0.004	16.73
7.4.23	0.000	0.007	16.98
7.4.22	0.006	0.012	16.86
7.4.21	0.006	0.011	16.88
7.4.20	0.004	0.003	16.97
7.4.16	0.011	0.004	16.79
7.4.15	0.013	0.009	17.40
7.4.14	0.008	0.011	17.86
7.4.13	0.009	0.010	16.76
7.4.12	0.011	0.008	16.70
7.4.11	0.014	0.011	16.97
7.4.10	0.011	0.006	16.89
7.4.9	0.008	0.014	16.64
7.4.8	0.007	0.010	19.39
7.4.7	0.005	0.014	16.72
7.4.6	0.010	0.007	16.79
7.4.5	0.009	0.006	16.77
7.4.4	0.006	0.013	16.88
7.4.3	0.010	0.006	16.80
7.4.0	0.010	0.007	15.38
7.3.33	0.004	0.004	13.68
7.3.32	0.000	0.006	13.56
7.3.31	0.000	0.007	16.72
7.3.30	0.003	0.003	16.57
7.3.29	0.005	0.012	16.63
7.3.28	0.011	0.008	16.66
7.3.27	0.009	0.008	17.40
7.3.26	0.014	0.006	16.68
7.3.25	0.011	0.007	16.70
7.3.24	0.007	0.011	16.82
7.3.23	0.017	0.000	16.77
7.3.21	0.013	0.004	16.85
7.3.20	0.011	0.006	16.68
7.3.19	0.012	0.009	16.92
7.3.18	0.008	0.008	16.62
7.3.17	0.014	0.007	16.68
7.3.16	0.012	0.006	16.75
7.2.33	0.012	0.006	17.11
7.2.32	0.015	0.003	17.01
7.2.31	0.006	0.011	17.18
7.2.30	0.006	0.012	16.99
7.2.29	0.009	0.009	17.15
7.2.6	0.004	0.008	17.11
7.2.5	0.008	0.003	17.13
7.2.0	0.007	0.007	19.62
7.1.20	0.003	0.007	15.63
7.1.7	0.007	0.000	17.11
7.1.6	0.006	0.006	17.15
7.1.0	0.007	0.063	22.66
7.0.20	0.020	0.003	14.80
7.0.12	0.000	0.087	22.36
7.0.11	0.007	0.087	22.26
7.0.10	0.013	0.070	22.27
7.0.9	0.010	0.080	22.18
7.0.8	0.003	0.067	22.18
7.0.7	0.023	0.067	22.31
7.0.6	0.010	0.077	22.16
7.0.5	0.010	0.080	22.34
7.0.4	0.007	0.070	22.42
7.0.3	0.007	0.057	22.13
7.0.2	0.010	0.063	22.29
7.0.1	0.010	0.060	22.18
7.0.0	0.013	0.053	22.22
5.6.27	0.023	0.063	21.33
5.6.26	0.010	0.063	21.32
5.6.25	0.010	0.067	21.30
5.6.24	0.003	0.083	21.02
5.6.23	0.013	0.073	21.27
5.6.22	0.007	0.073	21.25
5.6.21	0.003	0.083	21.23
5.6.20	0.010	0.077	21.23
5.6.19	0.010	0.057	21.00
5.6.18	0.010	0.060	21.34
5.6.17	0.017	0.067	21.13
5.6.16	0.013	0.057	21.02
5.6.15	0.013	0.060	20.94
5.6.14	0.003	0.070	21.05
5.6.13	0.000	0.063	21.29
5.6.12	0.003	0.063	21.18
5.6.11	0.017	0.070	21.21
5.6.10	0.010	0.067	21.27
5.6.9	0.017	0.060	21.32
5.6.8	0.013	0.047	20.43
5.6.7	0.013	0.057	20.46
5.6.6	0.000	0.080	20.63
5.6.5	0.020	0.060	20.61
5.6.4	0.010	0.050	20.67
5.6.3	0.013	0.053	20.49
5.6.2	0.017	0.057	20.38
5.6.1	0.010	0.063	20.37
5.6.0	0.007	0.053	20.47