function calculateFutureValue()
{
	var theForm=document.form2;

	var totalAmount = parseInt(theForm.savings.value) + parseInt(theForm.contributions.value);

	var interestRate = 1 + (0.01 * parseInt(theForm.interest_rate.value));

	var years = parseInt(theForm.years.value);

	var interestRateMultiplier = Math.pow(interestRate, years);

	var cal1;
	cal1 = theForm.savings.value * interestRateMultiplier;
	
	var cal2;
	years = years + 1;
	cal2 = Math.pow(interestRate,years);
	cal2 = cal2 - 1;
	
	var cal3;
	cal3 = cal2/(0.01 * parseInt(theForm.interest_rate.value));
	
	var cal4;
	cal4 = theForm.contributions.value*cal3;
	
	var theFutureValue = cal1 + (cal4 - theForm.contributions.value);
	theFutureValue = Math.round(theFutureValue);
	theForm.future_value.value = theFutureValue;
	
	//test...
	//alert (cal1 + " ," + cal2 + " ," + cal3 + " ," + cal4 + " ," + theFutureValue);
	
}


function retirementProjection()
{
	var theForm=document.form1;
	
	//inflation rate
	var inflationRate = (0.01 * parseInt(theForm.inflation.value));
	
	//rate of return
	var rateOfReturn = (0.01 * parseInt(theForm.rate_of_return.value));
	
	//annual income
	var annualIncomeNeed = parseInt(theForm.income_need.value);	
	
	//annual savings
	var annualSavings = parseInt(theForm.annual_save.value);
	
	//current value of investments
	var currentInvestmentValue = parseInt(theForm.current_inv_value.value);
	
	//additional income after retirement
	var incomePostRetirement = parseInt(theForm.income_post_retirement.value);
	var incomePostRetirementReturn = (0.01 * parseInt(theForm.return_income_post_retirement.value));
	
	//inflation rate multiple for retirement
	var inflationRateMultiplier = Math.pow(inflationRate, yearsUntilRetirement);
	
	//rate of return multiple for retirement
	var rateOfReturnMultiplier = Math.pow(rateOfReturn, yearsUntilRetirement);
	
	//ages
	var currentAge = parseInt(theForm.current_age.value);
	var retirementAge = parseInt(theForm.retirement_age.value);
	var yearsUntilRetirement = retirementAge - currentAge;
	
	var cal1;
	inflationRate = 1 + inflationRate;
	cal1 = Math.pow(inflationRate,yearsUntilRetirement);
	cal1 = annualIncomeNeed * cal1;
	
	var cal2;
	incomePostRetirementReturn = 1 + incomePostRetirementReturn;
	cal2 = Math.pow(incomePostRetirementReturn,yearsUntilRetirement);
	cal2 = incomePostRetirement * cal2;
	
	var cal3 = (100 - retirementAge) * (0.0063*retirementAge);
	
	var cal10 = Math.pow((1 + rateOfReturn),(yearsUntilRetirement + 1)) - 1;
	
	var cal20 = cal10/rateOfReturn;
	
	var cal30 = cal20 * annualSavings;
	
	var cal40 = currentInvestmentValue * (Math.pow((1 + rateOfReturn),yearsUntilRetirement));
	
	//test...
	//alert (cal1 + " , " + cal2 + " , " + cal3 + " , " + cal10  + " , " + cal20 + " , " +cal30 + " , " + cal40);
	
	//form values...
	theForm.capital_needed.value = Math.round((cal1 - cal2)*cal3);
	theForm.value_at_retirement.value = Math.round((cal30 + cal40) - annualSavings);
	theForm.capital_shortage.value = Math.round(theForm.capital_needed.value - theForm.value_at_retirement.value);
	theForm.investment_needed.value = Math.round(theForm.capital_shortage.value/cal20);

}