Investment+Return

investment_return.py

# Withdrawal Calculator
def calculate_remaining_balance(principal, annual_rate, withdraw, annual_increase, no_of_years):
  # Annual compounding interest rate
  rate = annual_rate / 100

  for year in range(1, no_of_years + 1):
      # Compound the interest annually
      principal *= (1 + rate)

      # Withdraw monthly for the year
      for month in range(12):
          principal -= withdraw

      # Increase the monthly withdrawal by the annual increase rate
      withdraw *= (1 + annual_increase / 100)

  return principal

# Example Inputs
principal = 50000000  # Starting amount (1 million)
annual_rate = 12     # Annual interest rate (14%)
withdraw = 320000      # Initial monthly withdrawal amount
annual_increase = 6 # Withdrawal increase percentage per year
no_of_years = 25     # Number of years to calculate for

# Calculate the remaining balance after the given years
remaining_balance = calculate_remaining_balance(principal, annual_rate, withdraw, annual_increase, no_of_years)
print("Balance: ", remaining_balance)


# Investment Calculator
def calculate_investment_balance(principal, annual_rate, monthly_installment, raise_percentage, no_of_years):
    rate = annual_rate / 100
    total_balance = principal
    # Monthly rate for compounding
    monthly_rate = (1 + rate) ** (1/12) - 1

    for year in range(1, no_of_years + 1):
        # Compound the principal at the end of the year
        total_balance *= (1 + rate)

        # Add the monthly installments for the year
        for month in range(12):
            total_balance += monthly_installment * (1 + monthly_rate) ** (12 - month)  # Each month grows

        # Increase the monthly installment after each year
        monthly_installment *= (1 + raise_percentage / 100)

    return total_balance

# Example Inputs
principal = 4000000  # Starting amount (1 million)
annual_rate = 12     # Annual interest rate (14%)
monthly_installment = 10000  # Initial monthly installment amount
raise_percentage = 5  # Increase in monthly installment per year (6%)
no_of_years = 20      # Number of years to calculate for

# Calculate the final balance after the given number of years
final_balance = calculate_investment_balance(principal, annual_rate, monthly_installment, raise_percentage, no_of_years)
print("Investment: ", final_balance)

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