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        "author": "Austin McConnell",
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            "Development Status :: 5 - Production/Stable",
            "Intended Audience :: Developers",
            "License :: OSI Approved :: MIT License",
            "Natural Language :: English",
            "Programming Language :: Python :: 3",
            "Programming Language :: Python :: 3.5",
            "Programming Language :: Python :: 3.6",
            "Programming Language :: Python :: 3.7"
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        "description": "Mortgage\n====================\n\n[![PyPI](https://img.shields.io/pypi/v/mortgage.svg)](https://pypi.python.org/pypi/mortgage)\n[![CircleCI](https://circleci.com/gh/austinmcconnell/mortgage.svg?style=shield)](https://circleci.com/gh/austinmcconnell/mortgage)\n[![CodeClimate Maintainability](https://api.codeclimate.com/v1/badges/ee719e510c795ebcc401/maintainability)](https://codeclimate.com/github/austinmcconnell/mortgage/maintainability)\n[![CodeClimate Test Coverage](https://api.codeclimate.com/v1/badges/ee719e510c795ebcc401/test_coverage)](https://codeclimate.com/github/austinmcconnell/mortgage/test_coverage)\n[![Pyup](https://pyup.io/repos/github/austinmcconnell/mortgage/shield.svg)](https://pyup.io/repos/github/austinmcconnell/mortgage/)\n[![ReadTheDocs](https://readthedocs.org/projects/mortgage/badge/?version=latest)](http://mortgage.readthedocs.io/en/latest/?badge=latest)\n[![Say Thanks!](https://img.shields.io/badge/Say%20Thanks-!-1EAEDB.svg)](https://saythanks.io/to/austinmcconnell)\n\n![Logo](docs/_static/mortgage-logo.jpg)\n\nMortgage is a simple calculator intended to aid comprehension of the true cost of a mortgage.\n\n\nInstallation\n--------------------\n\nTo install mortgage, simply:\n\n```commandline\npip install mortgage\n```\n\n\nDocumentation\n-------------------\n\nDocumentation is available at [https://mortgage.readthedocs.io](https://mortgage.readthedocs.io)\n\n\nHow To Use\n--------------------\n\nThis package is intended to help understand the true cost of a mortgage. It also can help you easily compare between different mortgages.\n\nBegin by importing the loan class\n\n```python\nfrom mortgage import Loan\n\n```\n\nCreate a simple mortgage\n\n```python\nfrom mortgage import Loan\n\nloan = Loan(principal=200000, interest=.06, term=30)\n```\n\nView a summary of pertinent mortgage information by calling the summarize property.\n\n```python\nfrom mortgage import Loan\n\nloan = Loan(principal=200000, interest=.06, term=30)\nloan.summarize\n\n>>> Original Balance:         $    200,000\n>>> Interest Rate:                    0.06 %\n>>> APY:                              6.17 %\n>>> APR:                              6.00 %\n>>> Term:                               30 years\n>>> Monthly Payment:          $    1199.10\n\n>>> Total principal payments: $ 200,000.00\n>>> Total interest payments:  $ 231,676.38\n>>> Total payments:           $ 431,676.38\n>>> Interest to principal:           115.8 %\n>>> Years to pay:                     30.0\n```\n\nParticularly telling is the Interest to Principal ratio. With the mortgage terms above, you will pay **115%** of the original balance in interest! Compare that to the same loan with a 15 year term below\n\n\n```python\nfrom mortgage import Loan\n\nloan = Loan(principal=200000, interest=.06, term=15)\nloan.summarize\n\n>>> Original Balance:         $    200,000\n>>> Interest Rate:                    0.06 %\n>>> APY:                              6.17 %\n>>> APR:                              6.00 %\n>>> Term:                               15 years\n>>> Monthly Payment:          $    1687.71\n\n>>> Total principal payments: $ 200,000.00\n>>> Total interest payments:  $ 103,788.46\n>>> Total payments:           $ 303,788.46\n>>> Interest to principal:            51.9 %\n>>> Years to pay:                     15.0\n```\nIn this case, you only pay **52%** of the original loan balance in interest. Obviously, the shorter the term with all else equal, the less interest you'll pay. But it helps to know exactly how much more/less you'll pay.\n\nRun The Test Cases\n--------------------\nFrom the top level directory, run the following command:\n\n```\npytest\n```\n\nThank You\n--------------------\n\nThanks for checking out the package! I hope you find it useful.\n\nFeel free to open an issue with suggestions, imporovements, ideas, etc.\n\n\n",
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