37

Software Requirements Specification (SRS) for Credit Card Repayment Calculator

Introduction

Purpose:

The purpose of this document is to outline the requirements for the development of a Credit Card Repayment Calculator application. This application helps users plan the repayment of credit card debt by calculating monthly payments, enabling them to manage their finances effectively.

Scope:

The Credit Card Repayment Calculator will provide users with a tool to estimate monthly payments for credit card debt, considering factors such as outstanding balance, interest rate, and desired repayment period. Users will input relevant details, and the system will calculate and display the recommended monthly repayment amount.

System Overview

System Description:

The Credit Card Repayment Calculator will be a web-based application accessible through a browser. It aims to assist users in creating a structured repayment plan for their credit card debt.

System Architecture:

The application will follow a client-server architecture, with the client being the web browser and the server handling the repayment calculation logic.

Functional Requirements

Use Cases:

Plan Credit Card Repayment:

  • Users can input details such as outstanding balance, interest rate, and desired repayment period.
  • The system will calculate and display the recommended monthly repayment amount.

Functional Requirements:

Input:

The system shall accept the following input:

  • Outstanding Balance (in INR)
  • Interest Rate (in percentage)
  • Repayment Period (in months or years)

Calculation:

  • The system shall use the standard credit card repayment formula to calculate the monthly repayment amount.

Output:

  • The system shall display the calculated monthly repayment amount to the user.

Non-Functional Requirements:

  • The system should provide a response time of under 2 seconds.
  • The application should be accessible on common web browsers (Chrome, Firefox, Safari).

External Interface Requirements

User Interfaces:

  • The user interface shall include input fields for outstanding balance, interest rate, repayment period, along with a “Calculate” button.
  • The calculated monthly repayment amount shall be displayed prominently.

Hardware Interfaces:

  • The system should be compatible with standard computing hardware.

Software Interfaces:

  • The application shall be developed using HTML, CSS, and JavaScript.
  • The server-side logic can be implemented using a backend framework (e.g., Node.js, Django).

Communication Interfaces:

  • The application will communicate with the server for the repayment calculation and display of results.

Performance Requirements

Response Time:

The system should respond within 2 seconds for a typical user input.

Throughput:

The application should handle at least 100 simultaneous users.

System Constraints

Regulatory Requirements:

The application should comply with relevant financial regulations.

Hardware Limitations:

The system should be compatible with devices with standard web-browsing capabilities.

Security Requirements

Authentication:

The application may not require user authentication as it’s a public tool.

Data Protection:

The system should not store or retain any user input data after the calculation.

Quality Attributes

Reliability:

The application should produce accurate results based on the provided input.

Maintainability:

The code should be well-documented for ease of maintenance.

Usability:

The user interface should be intuitive, requiring minimal guidance.

Testing Requirements

Test Cases:

Test cases should cover various credit card debt scenarios and repayment periods to ensure accurate monthly repayment calculations.

Test Case 1:

  • Inputs: Outstanding Balance = 50,000 INR, Interest Rate = 15%, Repayment Period = 12 months.
  • Expected Output: Monthly Repayment ≈ 4,583 INR

Test Case 2:

  • Inputs: Outstanding Balance = 1,00,000 INR, Interest Rate = 18%, Repayment Period = 24 months.
  • Expected Output: Monthly Repayment ≈ 5,306 INR

Test Case 3:

  • Inputs: Outstanding Balance = 75,000 INR, Interest Rate = 12%, Repayment Period = 18 months.
  • Expected Output: Monthly Repayment ≈ 4,717 INR

Acceptance Criteria:

The application is considered successful if it produces correct monthly repayment amounts based on the standard credit card repayment formula.

Project Timeline

Milestones:

Design, Development, Testing, Deployment.

Development Phases:

Frontend development, Backend development, Testing, Deployment.

Glossary

None

Database Structure

Tables:

Credit_Card_Repayment_Records:

  • RecordID (Primary Key, Auto-increment)
  • OutstandingBalance (Decimal)
  • InterestRate (Decimal)
  • RepaymentPeriod (Integer)
  • MonthlyRepayment (Decimal)
  • CalculationDate (DateTime)

Conclusion

This extended SRS document provides a more detailed overview of the Credit Card Repayment Calculator application, including the database structure and additional test cases. It should be reviewed and approved by relevant stakeholders before proceeding with the development phase.

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