def calculate_net_income(gross_super_eligible_income, gross_annual_income, current_student_loans):
net_annual_income = gross_annual_income
salary_sacrifice_total = calculate_salary_sacrifice(gross_super_eligible_income)
net_annual_income -= calculate_student_loans(gross_annual_income, current_student_loans)
net_annual_income -= salary_sacrifice_total
net_annual_income -= calculate_tax(gross_annual_income - salary_sacrifice_total)
salary_sacrifice_income = salary_sacrifice_total * (1 - SALARY_SACRIFICE_TAX_RATE)
return net_annual_income + salary_sacrifice_income
def main_calculation(current_savings, current_salary,
current_compensation_package, current_student_loans,
current_expenses):
goal_savings = current_expenses / WITHDRAWAL_RATE
months = 0
total_savings = current_savings
while total_savings < goal_savings and months < 1000:
months += 1
total_savings *= MONTHLY_GROWTH_RATE
goal_savings *= MONTHLY_INFLATION_RATE
net_income = calculate_monthly_net_income(
current_salary, current_compensation_package,
current_student_loans)
current_student_loans -= calculate_student_loans(
current_salary, current_student_loans)
expenses = current_expenses / 12
total_savings += (net_income - expenses)
print(str(months))
print(str(int(total_savings)) + " / " + str(int(goal_savings)))
def test_calculate_student_loans_at_low_threshold(self):
student_loan_repayment = calculate_student_loans(50000, 100000)
self.assertEqual(student_loan_repayment, 500)
def test_calculate_student_loans_from_zero_income(self):
student_loan_repayment = calculate_student_loans(0, 100000)
self.assertEqual(student_loan_repayment, 0)
def test_calculate_student_loans_with_partial_payment_remaining(self):
student_loan_repayment = calculate_student_loans(150000, 10000)
self.assertEqual(student_loan_repayment, 10000)
def test_calculate_student_loans_at_no_loan_remaining(self):
student_loan_repayment = calculate_student_loans(150000, 0)
self.assertEqual(student_loan_repayment, 0)
def test_calculate_student_loans_at_middle_threshold(self):
student_loan_repayment = calculate_student_loans(76000, 100000)
self.assertEqual(student_loan_repayment, 3800)