export type AmortRow = {
  month: number;
  date: string;
  payment: number;
  interest: number;
  principal: number;
  balance: number;
};

export type ScheduleResult = {
  schedule: AmortRow[];
  payment: number;
  termMonths: number;
  totalInterest: number;
  payoffDate: Date;
};

function round2(n: number): number {
  return Math.round(n * 100) / 100;
}

function addMonths(date: Date, months: number): Date {
  const d = new Date(date);
  d.setMonth(d.getMonth() + months);
  return d;
}

function formatDate(d: Date): string {
  const y = d.getFullYear();
  const m = String(d.getMonth() + 1).padStart(2, "0");
  const day = String(d.getDate()).padStart(2, "0");
  return `${y}-${m}-${day}`;
}

export function computeTermFromPayment(
  principal: number,
  annualRate: number,
  monthlyPayment: number,
): number {
  const i = annualRate / 100 / 12;
  if (i <= 0) {
    return Math.ceil(principal / monthlyPayment);
  }
  const n = -Math.log(1 - (i * principal) / monthlyPayment) / Math.log(1 + i);
  return Math.ceil(n);
}

export function computePaymentFromTerm(
  principal: number,
  annualRate: number,
  termMonths: number,
): number {
  const i = annualRate / 100 / 12;
  if (i <= 0) {
    return round2(principal / termMonths);
  }
  const payment = (principal * i) / (1 - Math.pow(1 + i, -termMonths));
  return round2(payment);
}

export function buildSchedule(input: {
  principal: number;
  annualRate: number;
  startDate: Date;
  monthlyPayment?: number;
  termMonths?: number;
}): ScheduleResult {
  const P = input.principal;
  const i = input.annualRate / 100 / 12;

  let payment = input.monthlyPayment;
  let termMonths = input.termMonths;

  if (payment !== undefined && termMonths === undefined) {
    termMonths = computeTermFromPayment(P, input.annualRate, payment);
  } else if (termMonths !== undefined && payment === undefined) {
    payment = computePaymentFromTerm(P, input.annualRate, termMonths);
  } else if (payment === undefined && termMonths === undefined) {
    throw new Error("Entweder monthlyPayment oder termMonths erforderlich");
  }

  payment = round2(payment!);
  termMonths = termMonths!;

  const schedule: AmortRow[] = [];
  let balance = P;

  for (let month = 1; month <= termMonths; month++) {
    const interest = round2(i > 0 ? balance * i : 0);
    let principalPart = round2(payment - interest);
    if (month === termMonths || principalPart > balance) {
      principalPart = round2(balance);
      payment = round2(interest + principalPart);
    }
    balance = round2(balance - principalPart);
    const date = formatDate(addMonths(input.startDate, month - 1));
    schedule.push({
      month,
      date,
      payment,
      interest,
      principal: principalPart,
      balance: Math.max(0, balance),
    });
    if (balance <= 0) break;
  }

  const actualTerm = schedule.length;
  const totalPaid = schedule.reduce((sum, row) => sum + row.payment, 0);
  const payoffDate = addMonths(input.startDate, actualTerm);

  return {
    schedule,
    payment,
    termMonths: actualTerm,
    totalInterest: round2(totalPaid - P),
    payoffDate,
  };
}

export function currentBalanceFromSchedule(
  schedule: AmortRow[],
  startDate: Date,
  asOf: Date = new Date(),
): number {
  if (schedule.length === 0) return 0;
  const monthsElapsed = Math.max(
    0,
    (asOf.getFullYear() - startDate.getFullYear()) * 12 +
      (asOf.getMonth() - startDate.getMonth()),
  );
  if (monthsElapsed >= schedule.length) return 0;
  if (monthsElapsed <= 0) return schedule[0].balance + schedule[0].principal;
  return schedule[monthsElapsed - 1]?.balance ?? 0;
}

export function remainingMonthsFromSchedule(
  schedule: AmortRow[],
  startDate: Date,
  asOf: Date = new Date(),
): number {
  const balance = currentBalanceFromSchedule(schedule, startDate, asOf);
  if (balance <= 0) return 0;
  const monthsElapsed = Math.max(
    0,
    (asOf.getFullYear() - startDate.getFullYear()) * 12 +
      (asOf.getMonth() - startDate.getMonth()),
  );
  return Math.max(0, schedule.length - monthsElapsed);
}

export function totalMonthlyPaymentActiveLoans(
  loans: Array<{ status: string; monthlyPayment?: number }>,
): number {
  return round2(
    loans
      .filter((l) => l.status === "aktiv")
      .reduce((sum, l) => sum + (l.monthlyPayment ?? 0), 0),
  );
}

export function totalRemainingDebt(
  loans: Array<{
    status: string;
    principal: number;
    annualInterestRate: number;
    startDate: string;
    monthlyPayment?: number;
    termMonths?: number;
    currentBalance?: number;
  }>,
): number {
  return round2(
    loans
      .filter((l) => l.status === "aktiv")
      .reduce((sum, loan) => {
        if (loan.currentBalance !== undefined) {
          return sum + loan.currentBalance;
        }
        const start = new Date(loan.startDate);
        const schedule = buildSchedule({
          principal: loan.principal,
          annualRate: loan.annualInterestRate,
          startDate: start,
          monthlyPayment: loan.monthlyPayment,
          termMonths: loan.termMonths,
        });
        return sum + currentBalanceFromSchedule(schedule.schedule, start);
      }, 0),
  );
}