Thrivecash Balance Calculation/Loan Repayment

ThriveCash_Balance.py

# Thrivecash lending app
print("Thrivecash lending app balance calculation.")
print()
print ("What's the APR(Annual percentage rate %) I am paying for this loan? Is it better than the traditional credit card or personal loans?")
print()
print("Links for further info on Quora: https://www.quora.com/What-is-ThriveCash")
print()

# Money you borrowed
Bini = 5000
print("1. I borrowed ", Bini, "$ from Thrivecash.")

# number of installment you want to pay it back
n = 8
print("2. I want to pay back in", n, "installments.")

# Total Extra to be paid to Thrivecash
E = 339.68
print("3. Thrive cash is charging me extra", E, "$")

# Total to be paid to Thrivecash
T = Bini + E 
print("4. I am in total paying", T, "$ to Thrivecash for this loan.")

# Delayed payment (How many initial month you can wait to pay to Thrivecash?)
w = 5
print("5. I am taking this loan because I want to delay my payment for", w, "months during this period of transition from school life to worklife.")

# Put the first 5 months when you are not paying
months_delayed = ["Feb", "Mar", "Apr", "May", "Jun"]
rest_of_months_in_a_year = ["Jul", "Aug", "Sep", "Oct", "Nov", "Dec", "Jan"]
months = months_delayed + rest_of_months_in_a_year

days_in_months = {}
days_in_months["Jan"] = 31
days_in_months["Feb"] = 28 
days_in_months["Mar"] = 31
days_in_months["Apr"] = 30
days_in_months["May"] = 31
days_in_months["Jun"] = 30
days_in_months["Jul"] = 31
days_in_months["Aug"] = 31
days_in_months["Sep"] = 30
days_in_months["Oct"] = 31
days_in_months["Nov"] = 30
days_in_months["Dec"] = 31
    
days_passed = 0
for m in months_delayed:
    days_passed += days_in_months[m]

B = [Bini for i in range(w+1 + n)]
print("")
for i in range(w):
    print("My balance on", i,"-th month (", months[i] , ")", "is", "B[", i, "]: ", B[i])

# APR (Annual percentage rate)
apr = 12/100 # 12%

k = 5
print("")
print("Days passed before loan payment starts = ", days_passed)
# Monthly payment (k-th Month after w) (k > 5)
M_k = T/n 
print("")
print("6. My Monthly payment from 6-th month will be", M_k, "$")
    
print("")
days_in_year = 365
B[k] = B[k-1] + B[k-1] * apr * days_passed/days_in_year - M_k 
m_k = k % 12
p_i = 1
print("My Payment No. ", p_i)
print("My current balance on", k,"-th month (", months[m_k] , ")", "is", "B[", k, "]: ", B[k])
    
print("")

for i in range(n-1):
    k = (w+1) + i
    
    p_i += 1
    print("My Payment No. ", p_i, ":", M_k, "paid to Thrivecash.")
    
    m_k = k % 12
    days_passed = days_in_months[months[m_k]]
    print("days passed since last payment = ", days_passed)
    B[k] = B[k-1] + B[k-1] * apr * days_passed/days_in_year - M_k 
    print("My current balance on", k,"-th month (", months[m_k] , ")", "is", "B[", k, "]: ", B[k])

    print("")
    

Program Output with 9.5% APR:
Thrivecash lending app balance calculation.

What's the APR(Annual percentage rate %) I am paying for this loan? Is it better than the traditional credit card or personal loans?

Links for further info on Quora: https://www.quora.com/What-is-ThriveCash

1. I borrowed 5000 $ from Thrivecash.
2. I want to pay back in 8 installments.
3. Thrive cash is charging me extra 339.68 $
4. I am in total paying 5339.68 $ to Thrivecash for this loan.
5. I am taking this loan because I want to delay my payment for 5 months during this period of transition from school life to worklife.

My balance on 0 -th month ( Feb ) is B[ 0 ]: 5000
My balance on 1 -th month ( Mar ) is B[ 1 ]: 5000
My balance on 2 -th month ( Apr ) is B[ 2 ]: 5000
My balance on 3 -th month ( May ) is B[ 3 ]: 5000
My balance on 4 -th month ( Jun ) is B[ 4 ]: 5000

Days passed before loan payment starts = 150

6. My Monthly payment from 6-th month will be 667.46 $

My Payment No. 1
My current balance on 5 -th month ( Jul ) is B[ 5 ]: 4527.7454794520545

My Payment No. 2 : 667.46 paid to Thrivecash.
days passed since last payment = 31
My current balance on 6 -th month ( Aug ) is B[ 6 ]: 3896.817562841058

My Payment No. 3 : 667.46 paid to Thrivecash.
days passed since last payment = 30
My current balance on 7 -th month ( Sep ) is B[ 7 ]: 3259.7847684687213

My Payment No. 4 : 667.46 paid to Thrivecash.
days passed since last payment = 31
My current balance on 8 -th month ( Oct ) is B[ 8 ]: 2618.626319545818

My Payment No. 5 : 667.46 paid to Thrivecash.
days passed since last payment = 30
My current balance on 9 -th month ( Nov ) is B[ 9 ]: 1971.6131277943268

My Payment No. 6 : 667.46 paid to Thrivecash.
days passed since last payment = 31
My current balance on 10 -th month ( Dec ) is B[ 10 ]: 1320.0610748117358

My Payment No. 7 : 667.46 paid to Thrivecash.
days passed since last payment = 31
My current balance on 11 -th month ( Jan ) is B[ 11 ]: 663.25197855234

My Payment No. 8 : 667.46 paid to Thrivecash.
days passed since last payment = 28
My current balance on 12 -th month ( Feb ) is B[ 12 ]: 0.6255409165844412