scuti/amort
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handle multiple one-time payments

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- 2024-02-09 20:31:04 -08:00
parent 16ce241169
commit fdf01baf6a
1 changed files with 21 additions and 7 deletions
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amort.py
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@ -1,7 +1,7 @@
import argparse, json import argparse, json
def generate_amortization_schedule(principal, interest_rate, loan_term, one_time_payment=None): def generate_amortization_schedule(principal, interest_rate, loan_term, extra_payments=[]):
# Convert interest rate to decimal and calculate periodic interest rate # Convert interest rate to decimal and calculate periodic interest rate
monthly_interest_rate = interest_rate / 12 / 100 monthly_interest_rate = interest_rate / 12 / 100
@ -16,6 +16,9 @@ def generate_amortization_schedule(principal, interest_rate, loan_term, one_time
remaining_balance = principal remaining_balance = principal
amortization_schedule = [] amortization_schedule = []
one_time_payment = None
if extra_payments != []:
one_time_payment = extra_payments.pop(0)
for payment_number in range(1, num_payments + 1): for payment_number in range(1, num_payments + 1):
# Calculate interest for the current period # Calculate interest for the current period
interest_payment = round(remaining_balance * monthly_interest_rate, 2) interest_payment = round(remaining_balance * monthly_interest_rate, 2)
@ -27,6 +30,8 @@ def generate_amortization_schedule(principal, interest_rate, loan_term, one_time
if one_time_payment and payment_number == one_time_payment['payment_number']: if one_time_payment and payment_number == one_time_payment['payment_number']:
principal_payment += one_time_payment['amount'] principal_payment += one_time_payment['amount']
remaining_balance -= one_time_payment['amount'] remaining_balance -= one_time_payment['amount']
if extra_payments != []:
one_time_payment = extra_payments.pop(0)
# Update remaining balance # Update remaining balance
remaining_balance -= principal_payment remaining_balance -= principal_payment
@ -63,19 +68,28 @@ if __name__ == "__main__":
help="sets the term (years)") help="sets the term (years)")
p.add_argument("--one-time", "-ot", type=str,\ p.add_argument("--one-time", "-ot", type=str,\
help="factors in a one-time payment (json, example: {\"payment_number\":13,\"amount\":5000}") help="factors in a one-time payment (json, example: {\"payment_number\":13,\"amount\":5000}")
p.add_argument("--extra-payments", "-ep", type=str,\
help="facts in multiple one time payments (json file name)")
args = p.parse_args() args = p.parse_args()
return args.principal, args.interest_rate, args.term, args.one_time l = []
if args.extra_payments is not None:
with open(args.extra_payments) as f:
l = json.loads(f.read())
# print(extra["extra-payments"])
if args.one_time is not None:
l.append(json.loads(args.one_time))
extra = l["extra-payments"]
extra.sort(key=lambda k: k["payment_number"])
return args.principal, args.interest_rate, args.term, extra
principal, interest_rate, loan_term, extra_payments = get_arguments()
principal, interest_rate, loan_term, one_time = get_arguments()
if one_time is not None:
one_time_payment = json.loads(one_time)
else: one_time_payment = None
# one_time_payment = { # one_time_payment = {
# 'payment_number': 13, # 'payment_number': 13,
# 'amount': 5000 # 'amount': 5000
# } # }
schedule = generate_amortization_schedule(principal, interest_rate, loan_term, one_time_payment) schedule = generate_amortization_schedule(principal, interest_rate, loan_term, extra_payments)
total_paid = 0 total_paid = 0
total_interest_paid = 0 total_interest_paid = 0