import argparse, json def generate_amortization_schedule(principal, interest_rate, loan_term, extra_payments=[]): # Convert interest rate to decimal and calculate periodic interest rate monthly_interest_rate = interest_rate / 12 / 100 # Calculate the number of monthly payments num_payments = loan_term * 12 # Calculate the fixed monthly payment using the amortization formula monthly_payment = (principal * monthly_interest_rate) / (1 - (1 + monthly_interest_rate) ** -num_payments) monthly_payment = round(monthly_payment, 2) # Initialize variables remaining_balance = principal 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): # Calculate interest for the current period if remaining_balance == 0: break interest_payment = round(remaining_balance * monthly_interest_rate, 2) # Calculate principal payment principal_payment = round(monthly_payment - interest_payment, 2) # Apply one-time payment if provided if one_time_payment and payment_number == one_time_payment['payment_number']: principal_payment += one_time_payment['amount'] if extra_payments != []: one_time_payment = extra_payments.pop(0) # Update remaining balance remaining_balance -= principal_payment if remaining_balance < 0: principal_payment = principal_payment + remaining_balance monthly_payment = monthly_payment + remaining_balance remaining_balance = 0 # Create a dictionary with payment details and add it to the amortization schedule payment_details = { 'Payment Number': payment_number, 'Payment Amount': round(monthly_payment,2), 'Interest Payment': interest_payment, 'Principal Payment': round(principal_payment,2), 'Remaining Balance': round(remaining_balance,2) } amortization_schedule.append(payment_details) return amortization_schedule def get_totals(amortization_schedule, func=None): total_paid = 0 total_interest_paid = 0 total_principal_paid = 0 # Display the amortization schedule messages = [] for payment in amortization_schedule: # print(payment) total_paid += payment["Payment Amount"] total_interest_paid += payment["Interest Payment"] total_principal_paid += payment["Principal Payment"] if payment["Remaining Balance"] < 0: break attrs = [payment[key] for key in payment] if func is not None: messages.append("%s" % ", ".join([str(attr) for attr in attrs])) if func is not None: func(messages) return total_paid, total_interest_paid, total_principal_paid if __name__ == "__main__": def get_arguments(): p = argparse.ArgumentParser() p. add_argument("--principal", "-p", type=float, \ help="set value for principal") p.add_argument("---interest-rate", "-i", type=float,\ help="set the value for interest rate (percentage)") p.add_argument("--term", "-t", type=int,\ help="sets the term (years)") p.add_argument("--one-time", "-ot", type=str,\ 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() 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 def compare(with_extra_payments, without): x,y,z = get_totals(with_extra_payments) a,b,c = get_totals(without) print(chr(916), "paid: ", round(x-a,2)) print(chr(916), "interest paid: ", round(y-b,2)) print(chr(916), "principal paid: ", round(abs(z-c),2)) def display(table): print("id, paid, interest payment, principal payment, remaining") for row in table: print(row) def export(table, filename="schedule.csv"): with open(filename, 'w') as f: print("id, paid, interest payment, principal payment, remaining", file=f) for row in table: print(row, file=f) print("wrote to file", filename) principal, interest_rate, loan_term, extra_payments = get_arguments() schedule = generate_amortization_schedule(principal, interest_rate, loan_term, extra_payments) paid, interest_paid, principal_paid = get_totals(schedule,export) print("total paid: ", round(paid,2)) print("total interest paid: ", round(interest_paid,2)) print("total principal paid: ", round(principal_paid,2)) # without extra payments for comparison compare(schedule, generate_amortization_schedule( principal, interest_rate, loan_term) )