What is wrong with my Mortgage Calculator CPP - calculator

Question

I'm a newbie at programming and so far I've come up with this code for a simple mortgage calculator. I have a feeling my formula is wrong, but whenever I try to test it, it either gives me 90000 or inf. as a monthly payment. Does anyone know what I'm doing wrong? The sample calculation should be 200,000 as the loan amount, 30-year term, and 4.5% interest rate with a monthly payment clocking in at $1013.37. Any help is appreciated. Thanks!
#include <iostream> // Header files
#include <cmath> // Needed in order to use power function
using namespace std;
int main()
{
double loanAmount; // The principle
int term; // How many years
int termInMonths; // How many months
double annualInterestRate; // The annual interest rate
double monthlyPayment; // The final monthly payment
double monthlyInterestRate; // The monthly interest rate
cout << "Hello!"
"\n";
cout << "Welcome to the Mortgage Calculator!"
"\n";
cout << "Please enter the loan amount:"
"\n";
cin >> loanAmount;
cout << "Please enter the interest rate"
"\n";
cin >> annualInterestRate;
cout << "Please enter the amount of years the loan is for"
"\n";
cin >> term;
monthlyPayment = (loanAmount * monthlyInterestRate) / (1.0 - pow(monthlyInterestRate + 1, -termInMonths));
cout << "The final monthly payment is:$ " << monthlyPayment << ".";
}