public static void main(String[] args) {

Scanner scanner = new Scanner(System.in);

System.out.print("Principal: ");

int principal = scanner.nextInt();

System.out.print("Annual Interest Rate: ");

double interestRate = scanner.nextDouble();

System.out.print("Period (Years): ");

byte years = scanner.nextByte();

double rate = (interestRate/12) / 100;

int nPayments = years * 12;

double mortgage = principal * (rate * Math.pow((1 + rate), nPayments) / ((Math.pow((1 + rate), nPayments)) -1));

NumberFormat currency = NumberFormat.getCurrencyInstance();

String result = currency.format(mortgage);

System.out.print("Mortgage: " + result);

}