Calculators

retirement_plan.py

class Portfolio:
  AGE=29 # Starting year
  CTC=1000000 # Total CTC, it's assumed that only 75% comes in hand
  HIKE=100000 # Assuming 1 lakh hike every year
  RETURNS_PER_ANNUM = 1.10 # Assuming investment returns are 10% per annum
  EXPENSES_PER_MONTH = 40000 # Assuming monthly expenses are 40k, inflation taken into account while calculating though
  INFLATION=1.07 # Assuming 7% inflation
  ASSETS=0 # Assuming there's no investment so far
  DURATION=50 # Assuming death after 50 years
  RETIRE_AFTER = 10 # Assuming a wish to retire after 10 years
  INFLATION_SO_FAR = 1 # For calculation purposes
  TAG_LINE = ""

p = Portfolio()

def i_make_money_pregnant():
  p.TAG_LINE = """I fly away after 5 years to never return back on earth. """
  p.CTC = 1000000
  p.HIKE = 100000
  p.RETURNS_PER_ANNUM = 1.30
  p.INFLATION = 1.05
  p.DURATION = 60
  p.RETIRE_AFTER = 5

def i_invest_like_a_god_and_work_a_little_extra():
  p.TAG_LINE = """I retire in 10 years and die of the exhaustion that comes from giving away gold coins in charity, one by one. """ 
  p.CTC = 1000000
  p.HIKE = 100000
  p.RETURNS_PER_ANNUM = 1.25
  p.INFLATION = 1.05
  p.DURATION = 60
  p.RETIRE_AFTER = 10

def i_invest_like_a_god():
  p.TAG_LINE = """I retire in 5 years and still die fucking rich. """ 
  p.CTC = 1000000
  p.HIKE = 100000
  p.RETURNS_PER_ANNUM = 1.25
  p.INFLATION = 1.05
  p.DURATION = 60
  p.RETIRE_AFTER = 5

def i_invest_in_good_stocks():
  p.TAG_LINE = """I can dream about retiring after 7 years and die rich. """ 
  p.CTC = 1000000
  p.HIKE = 100000
  p.RETURNS_PER_ANNUM = 1.20
  p.INFLATION = 1.05
  p.DURATION = 60
  p.RETIRE_AFTER = 7

def i_invest_in_mutual_fund():
  p.TAG_LINE = """I can dream about retiring after 12 years. My money ends with me.""" 
  
  p.CTC = 1000000
  p.HIKE = 100000
  p.RETURNS_PER_ANNUM = 1.12
  p.INFLATION = 1.05
  p.DURATION = 60
  p.RETIRE_AFTER = 12

def i_invest_in_fixed_deposit():
  p.TAG_LINE = """There's no retirement for me in the next 35 years. """ 
  p.CTC = 1000000
  p.HIKE = 100000
  p.RETURNS_PER_ANNUM = 1.05
  p.INFLATION = 1.05
  p.DURATION = 60
  p.RETIRE_AFTER = 35

def i_keep_money_in_savings_account():
  p.TAG_LINE = """I work until my last breath. """ 
  p.CTC = 1000000
  p.HIKE = 100000
  p.RETURNS_PER_ANNUM = 1.02
  p.INFLATION = 1.05
  p.DURATION = 60
  p.RETIRE_AFTER = 52

def calculate():
  for i in range(p.DURATION):
    print("AGE: %s"% str(p.AGE+i))
    # print("{:,}".format(p.ASSETS))
    adjusted_assets = p.ASSETS/p.INFLATION_SO_FAR
    adjusted_assets = int(int(adjusted_assets)/100)*100
    print("{:,}".format(adjusted_assets)) # Adjusted inflation
    
    if p.RETIRE_AFTER == i:
      p.CTC = 0  
      p.HIKE = 0
      print("\n")
      print("*****************RETIRED****************")

    p.CTC = p.CTC + p.HIKE
    p.EXPENSES_PER_MONTH = p.EXPENSES_PER_MONTH * p.INFLATION
    p.ASSETS = (p.ASSETS*p.RETURNS_PER_ANNUM) + p.CTC*0.75 - (12 * p.EXPENSES_PER_MONTH)
    p.INFLATION_SO_FAR = p.INFLATION_SO_FAR * p.INFLATION
    
    print("\n")

  print("<Net worth estimates (inflation adjusted).>\n")
  print(p.TAG_LINE)


####################################################
#############   Choose an option  3#################
####################################################

# i_make_money_pregnant()
# i_invest_like_a_god_and_work_a_little_extra()
# i_invest_like_a_god()
# i_invest_in_good_stocks()
# i_invest_in_mutual_fund()
# i_invest_in_fixed_deposit()
i_keep_money_in_savings_account()

calculate()