def generate_amortization_schedule(principal, interest_rate, loan_term, one_time_payment=None): # 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 = [] for payment_number in range(1, num_payments + 1): # Calculate interest for the current period 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'] remaining_balance -= one_time_payment['amount'] # Update remaining balance remaining_balance -= principal_payment # Create a dictionary with payment details and add it to the amortization schedule payment_details = { 'Payment Number': payment_number, 'Payment Amount': monthly_payment, 'Interest Payment': interest_payment, 'Principal Payment': round(principal_payment,2), 'Remaining Balance': round(remaining_balance,2) } amortization_schedule.append(payment_details) return amortization_schedule if __name__ == "__main__": # Example usage principal = 100000 interest_rate = 5.0 loan_term = 3 one_time_payment = { 'payment_number': 13, 'amount': 5000 } schedule = generate_amortization_schedule(principal, interest_rate, loan_term, one_time_payment) # Display the amortization schedule for payment in schedule: # print(payment) attrs = [payment[key] for key in payment] print(attrs)