I'm looking for a simple equation that will allow me to calculate an
option price when an option is in the money at the money and out of
the money.  This equation should also take into account the amount of
time left on the option as well as interest and intrinsic value.  (I
want to be able to figure out each variable of this equation).

I'm also looking for s/w that will complement the question listed
above.  It should allow me to do a number of if-then scenarios, given
a flunctuation of stock price and/or time.