[snip] [snip] This seems like a somewhat standard calculation for loans and interest bearing accounts. Does anyone know how to calculate the graduation factor? I've been able to figure out it's based off the loan term, loan balance, and initial interest rate. [/snip] It is called amortization ... [/snip] http://www.hughchou.org/calc/formula.html -- PHP General Mailing List (http://www.php.net/) To unsubscribe, visit: http://www.php.net/unsub.php