print 'Given a starting balance and interest rate, this program will calculate your minimum monthly payment,'
print 'in increments of $10, that will pay off your balance in 12 months or less.'

balance = float(raw_input('Enter the outstanding balance on your credit card:'))
interestrate = float(raw_input('Enter the annual credit card interest rate as a decimal:'))

payment = 0

def twelvemonth ():
    global payment
    month = 0

    while month <=11:
        month = month + 1
        if month==1:
            calcbalance = balance
            payment = payment + 10
        intowed = calcbalance*(interestrate/12)
        calcbalance = calcbalance + intowed - payment
        if calcbalance <= 0:
            print 'Monthly payment to pay off debt in 1 year:  $' + str(round(payment, 2))
            print 'Number of months needed:  ' + str(month)
            print 'Balance:  $' + str(round(calcbalance, 2))
            month = 12
     
    if calcbalance > 0:
        twelvemonth ()

twelvemonth ()