diff --git a/.gitignore b/.gitignore
new file mode 100644
index 0000000..d87d4be
--- /dev/null
+++ b/.gitignore
@@ -0,0 +1,17 @@
+*.gem
+*.rbc
+.bundle
+.config
+.yardoc
+Gemfile.lock
+InstalledFiles
+_yardoc
+coverage
+doc/
+lib/bundler/man
+pkg
+rdoc
+spec/reports
+test/tmp
+test/version_tmp
+tmp
diff --git a/Gemfile b/Gemfile
new file mode 100644
index 0000000..66ab8fa
--- /dev/null
+++ b/Gemfile
@@ -0,0 +1,4 @@
+source 'https://rubygems.org'
+
+# Specify your gem's dependencies in financial_maths.gemspec
+gemspec
diff --git a/LICENSE.txt b/LICENSE.txt
new file mode 100644
index 0000000..bca7007
--- /dev/null
+++ b/LICENSE.txt
@@ -0,0 +1,22 @@
+Copyright (c) 2013 Ruben Espinosa
+
+MIT License
+
+Permission is hereby granted, free of charge, to any person obtaining
+a copy of this software and associated documentation files (the
+"Software"), to deal in the Software without restriction, including
+without limitation the rights to use, copy, modify, merge, publish,
+distribute, sublicense, and/or sell copies of the Software, and to
+permit persons to whom the Software is furnished to do so, subject to
+the following conditions:
+
+The above copyright notice and this permission notice shall be
+included in all copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND,
+EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF
+MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND
+NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE
+LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION
+OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION
+WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.
diff --git a/README.md b/README.md
new file mode 100644
index 0000000..84b7547
--- /dev/null
+++ b/README.md
@@ -0,0 +1,29 @@
+# FinancialMaths
+
+TODO: Write a gem description
+
+## Installation
+
+Add this line to your application's Gemfile:
+
+    gem 'financial_maths'
+
+And then execute:
+
+    $ bundle
+
+Or install it yourself as:
+
+    $ gem install financial_maths
+
+## Usage
+
+TODO: Write usage instructions here
+
+## Contributing
+
+1. Fork it
+2. Create your feature branch (`git checkout -b my-new-feature`)
+3. Commit your changes (`git commit -am 'Add some feature'`)
+4. Push to the branch (`git push origin my-new-feature`)
+5. Create new Pull Request
diff --git a/Rakefile b/Rakefile
new file mode 100644
index 0000000..2995527
--- /dev/null
+++ b/Rakefile
@@ -0,0 +1 @@
+require "bundler/gem_tasks"
diff --git a/financial_maths.gemspec b/financial_maths.gemspec
new file mode 100644
index 0000000..1ccc4cd
--- /dev/null
+++ b/financial_maths.gemspec
@@ -0,0 +1,23 @@
+# coding: utf-8
+lib = File.expand_path('../lib', __FILE__)
+$LOAD_PATH.unshift(lib) unless $LOAD_PATH.include?(lib)
+require 'financial_maths/version'
+
+Gem::Specification.new do |spec|
+  spec.name          = "financial_maths"
+  spec.version       = FinancialMaths::VERSION
+  spec.authors       = ["Ruben Espinosa"]
+  spec.email         = ["rderoldan1@gmail.com"]
+  spec.description   = %q{gem to use financial methods inside ruby}
+  spec.summary       = %q{calculate loan payments and other things}
+  spec.homepage      = ""
+  spec.license       = "MIT"
+
+  spec.files         = `git ls-files`.split($/)
+  spec.executables   = spec.files.grep(%r{^bin/}) { |f| File.basename(f) }
+  spec.test_files    = spec.files.grep(%r{^(test|spec|features)/})
+  spec.require_paths = ["lib"]
+
+  spec.add_development_dependency "bundler", "~> 1.3"
+  spec.add_development_dependency "rake"
+end
diff --git a/lib/financial_maths.rb b/lib/financial_maths.rb
new file mode 100644
index 0000000..7056c2d
--- /dev/null
+++ b/lib/financial_maths.rb
@@ -0,0 +1,22 @@
+require "financial_maths/version"
+
+module FinancialMaths
+  class Credit
+    def fixed_payment_equity(year, amount, year_interest)
+      years = year*12
+      monthly_payments = amount/years
+      result = []
+      result << {:period=> 0, :monthly_payment => nil, :interest => nil, :payment => nil, :balance => amount}
+
+      for i in 1..years
+        interest = amount * year_interest
+        month_payment = monthly_payments + interest 
+        amount -= monthly_payments
+        #date += 1
+        result << {:period=> i, :payment => month_payment, :interest => interest, :monthly_payment => monthly_payments, :balance => amount}
+      end
+      result
+    end
+  end
+  
+end
diff --git a/lib/financial_maths/version.rb b/lib/financial_maths/version.rb
new file mode 100644
index 0000000..310cb22
--- /dev/null
+++ b/lib/financial_maths/version.rb
@@ -0,0 +1,3 @@
+module FinancialMaths
+  VERSION = "0.0.1"
+end