{"id":32304932,"url":"https://github.com/andrewmurphy353/curo","last_synced_at":"2026-02-20T09:31:46.379Z","repository":{"id":56827512,"uuid":"442288268","full_name":"andrewmurphy353/curo","owner":"andrewmurphy353","description":"Powerful, modern Dart library for precise instalment credit calculations - from simple loans to advanced amortisation schedules.","archived":false,"fork":false,"pushed_at":"2026-01-20T21:45:55.000Z","size":1899,"stargazers_count":6,"open_issues_count":0,"forks_count":0,"subscribers_count":1,"default_branch":"main","last_synced_at":"2026-01-21T05:30:45.826Z","etag":null,"topics":["amortisation","apr","compound-interest","dart","finance","financial-calculator","fintech","instalment-credit","irr","loan-calculator","pub-dev","xirr"],"latest_commit_sha":null,"homepage":"http://curocalc.app/curo/","language":"Dart","has_issues":true,"has_wiki":null,"has_pages":null,"mirror_url":null,"source_name":null,"license":"mit","status":null,"scm":"git","pull_requests_enabled":true,"icon_url":"https://github.com/andrewmurphy353.png","metadata":{"files":{"readme":"README.md","changelog":"CHANGELOG.md","contributing":null,"funding":null,"license":"LICENSE","code_of_conduct":null,"threat_model":null,"audit":null,"citation":null,"codeowners":null,"security":null,"support":null,"governance":null,"roadmap":null,"authors":null,"dei":null,"publiccode":null,"codemeta":null,"zenodo":null,"notice":null,"maintainers":null,"copyright":null,"agents":null,"dco":null,"cla":null}},"created_at":"2021-12-27T22:31:23.000Z","updated_at":"2026-01-20T21:46:00.000Z","dependencies_parsed_at":"2024-10-28T20:32:12.160Z","dependency_job_id":"12711c6c-3dce-4bde-9711-8949681c1a7d","html_url":"https://github.com/andrewmurphy353/curo","commit_stats":null,"previous_names":[],"tags_count":2,"template":false,"template_full_name":null,"purl":"pkg:github/andrewmurphy353/curo","repository_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/repositories/andrewmurphy353%2Fcuro","tags_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/repositories/andrewmurphy353%2Fcuro/tags","releases_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/repositories/andrewmurphy353%2Fcuro/releases","manifests_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/repositories/andrewmurphy353%2Fcuro/manifests","owner_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/owners/andrewmurphy353","download_url":"https://codeload.github.com/andrewmurphy353/curo/tar.gz/refs/heads/main","sbom_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/repositories/andrewmurphy353%2Fcuro/sbom","scorecard":null,"host":{"name":"GitHub","url":"https://github.com","kind":"github","repositories_count":286080680,"owners_count":29647670,"icon_url":"https://github.com/github.png","version":null,"created_at":"2022-05-30T11:31:42.601Z","updated_at":"2026-02-20T09:27:29.698Z","status":"ssl_error","status_checked_at":"2026-02-20T09:26:12.373Z","response_time":59,"last_error":"SSL_connect returned=1 errno=0 peeraddr=140.82.121.6:443 state=error: unexpected eof while reading","robots_txt_status":"success","robots_txt_updated_at":"2025-07-24T06:49:26.215Z","robots_txt_url":"https://github.com/robots.txt","online":false,"can_crawl_api":true,"host_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub","repositories_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/repositories","repository_names_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/repository_names","owners_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/owners"}},"keywords":["amortisation","apr","compound-interest","dart","finance","financial-calculator","fintech","instalment-credit","irr","loan-calculator","pub-dev","xirr"],"created_at":"2025-10-23T06:41:42.896Z","updated_at":"2026-02-20T09:31:46.374Z","avatar_url":"https://github.com/andrewmurphy353.png","language":"Dart","readme":"# Curo Dart\n\n![Dart CI](https://github.com/andrewmurphy353/curo/actions/workflows/dart_ci.yml/badge.svg)\n[![codecov](https://codecov.io/gh/andrewmurphy353/curo/branch/main/graph/badge.svg?token=YOLLETTV0K)](https://codecov.io/gh/andrewmurphy353/curo)\n[![Pub Package](https://img.shields.io/pub/v/curo.svg)](https://pub.dev/packages/curo)\n![GitHub License](https://img.shields.io/github/license/andrewmurphy353/curo)\n\n**Curo** is a powerful, modern Dart library for performing instalment credit financial calculations - from simple loans to complex leasing and hire-purchase agreements.\n\nThis is a **complete ground-up rewrite** (version 3.0.0+) of the original `curo` package, now aligned with the latest Dart conventions and fully compatible in design and accuracy with its sister project, [`curo-python`](https://github.com/andrewmurphy353/curo_python).\n\nExplore the [API documentation](https://andrewmurphy353.github.io/curo/api), try it live in the [Curo Calculator](https://curocalc.app) app (built with this library), or browse the [examples](https://andrewmurphy353.github.io/curo/examples/overview).\n\n## Why Curo?\n\nCuro goes beyond basic financial functions, offering features typically found only in commercial software:\n\n- Solve for unknown payment/instalment amounts (`solveValue`)\n- Compute implicit effective rates or regulatory APRs (`solveRate`)\n- Support for multiple global day count conventions (US, EU, UK)\n- Precise amortisation schedules and APR proof tables\n- Weighted unknowns, charges, capitalised interest, and flexible series\n\nPerfect for loan pricing, regulatory compliance (e.g., EU CCD, UK CONC, US Reg Z), leasing, or investment analysis.\n\n## Getting Started\n\n### Installation\n\nAdd Curo to your project:\n\n```shell\ndart pub add curo\n# or\nflutter pub add curo\n```\n\n### Basic Usage\n\n#### **Example: Solving for a monthly instalment**\n\n```dart\nimport 'package:curo/curo.dart';\n\nvoid main() async {\n  final calculator = Calculator(precision: 2)\n    ..add(SeriesAdvance(amount: 10000.0, label: 'Loan'))\n    ..add(SeriesPayment(numberOf:6, amount: null, label: 'Instalment'));\n  final convention = const US30U360();\n\n  final value = await calculator.solveValue(\n    convention: convention,\n    interestRate: 0.12);                      // =\u003e 1708.4\n\n  final rate = await calculator.solveRate(\n    convention: convention);                  // =\u003e 0.12000094629126792\n\n  final schedule = calculator.buildSchedule(convention: convention, interestRate: rate);\n  schedule.prettyPrint(convention: convention);\n}\n```\nOutput:\n\n```shell\npost_date    label                amount        capital       interest  capital_balance\n---------------------------------------------------------------------------------------\n2026-01-15   Loan             -10,000.00     -10,000.00           0.00       -10,000.00\n2026-01-15   Instalment         1,708.40       1,708.40           0.00        -8,291.60\n2026-02-15   Instalment         1,708.40       1,625.48         -82.92        -6,666.12\n2026-03-15   Instalment         1,708.40       1,641.74         -66.66        -5,024.38\n2026-04-15   Instalment         1,708.40       1,658.16         -50.24        -3,366.22\n2026-05-15   Instalment         1,708.40       1,674.74         -33.66        -1,691.48\n2026-06-15   Instalment         1,708.40       1,691.48         -16.92             0.00\n```\n\n#### **Example: Solving for the implicit rate (IRR or APR)**\n\n```dart\nimport 'package:curo/curo.dart';\n\nvoid main() async {\n  final calculator = Calculator(precision: 2)\n    ..add(SeriesAdvance(amount: 10000.0, label: 'Loan'))\n    ..add(SeriesPayment(numberOf: 6, amount: 1708.40, label: 'Instalment'));\n\n  final irr = await calculator.solveRate(convention: const US30U360());\n  // =\u003e 0.1200009462912679 ~ 0.12 or 12.0% (matches the input rate within precision)\n\n  final apr = await calculator.solveRate(convention: EU200848EC());\n  // =\u003e 0.1268260858796374 ~ 0.127 or 12.7% (regulatory APR under EU rules)\n}\n```\n\n## Key Features\n\n### Day Count Conventions\n\nDay count conventions determine how time intervals between cash flows are measured. Curo supports a wide range of conventions to meet global financial standards:\n\nConvention|Description\n:---------|:----------\nActual ISDA | Uses actual days, accounting for leap and non-leap year portions.\nActual/360 | Counts actual days, assuming a 360-day year.\nActual/365 | Counts actual days, assuming a 365-day year.\nEU 30/360 | Assumes 30-day months and a 360-day year, per EU standards.\nEU 2023/2225 | Compliant with EU Directive 2023/2225 for APR calculations in consumer credit.\nUK CONC App | Supports UK APRC calculations for consumer credit, secured or unsecured.\nUS 30/360 | Default for many US calculations, using 30-day months and a 360-day year.\nUS 30U/360 | Like US 30/360, but treats February days uniformly as 30 days.\nUS Appendix J | Implements US Regulation Z, Appendix J for APR in closed-end credit.\n\nMost conventions default to period-by-period timing. For XIRR-style calculations (time from first advance), pass `useXirrMethod: true` in the constructor. `Actual365(useXirrMethod: true)` matches Excel’s `XIRR()` exactly.\n\n### Cash Flow Diagrams\n\nCash flow diagrams visually represent the timing and direction of financial transactions. For example, a €10,000 loan repaid in 6 monthly instalments would look like this:\n\n![Cash Flow Diagram](https://andrewmurphy353.github.io/curo/assets/images/example-01.png)\n\n- **Down arrows**: Money received (e.g., loan advance).\n- **Up arrows**: Money paid (e.g., instalments).\n- **Time line**: Represents the contract term, divided into compounding periods.\n\n## License\n\nCopyright © 2026, [Andrew Murphy](https://github.com/andrewmurphy353).\nReleased under the [MIT License](LICENSE).\n\n## Learn More\n\n- **Examples**: Dive into practical use cases in the documentation [examples](https://andrewmurphy353.github.io/curo/examples/overview/).\n- **Documentation**: Refer to the code [documentation](https://andrewmurphy353.github.io/curo/api) for detailed class and method descriptions.\n- **Issues \u0026 Contributions**: Report bugs or contribute on [GitHub](https://github.com/andrewmurphy353/curo/issues).\n\n","funding_links":[],"categories":[],"sub_categories":[],"project_url":"https://awesome.ecosyste.ms/api/v1/projects/github.com%2Fandrewmurphy353%2Fcuro","html_url":"https://awesome.ecosyste.ms/projects/github.com%2Fandrewmurphy353%2Fcuro","lists_url":"https://awesome.ecosyste.ms/api/v1/projects/github.com%2Fandrewmurphy353%2Fcuro/lists"}