hledger-interest

hledger-interest is a small command-line utility based on Simon Michael's hleder library. Its purpose is to compute interest for a given ledger account. Using command line flags, the program can be configured to use various schemes for day-counting, such as act/act, 30/360, 30E/360, and 30/360isda. Furthermore, it supports a (small) number of interest schemes, i.e. annual interest with a fixed rate and the scheme mandated by the German BGB288 (Basiszins fuer Verbrauchergeschaefte). Extending support for other schemes is fairly easy, but currently requires changes to the source code. As an example, consider the following loan, stored in a file called test.ledger: Suppose that loan earns 5% interest per year, and payments amortize interest before amortizing the principal claim, then the resulting ledger would look like this: Running the utility with --help gives a brief overview over the available options: