def calc_parameter(ask_reply, input_string):
""" calc_parameter is a calculator to calculate the final goal based on ino given by users.
Parameters
---------
Param1 : Dictionary
The dictionary stores the float provided by user as value, stores corresponding terms as the key.
Param2 : String
The string is the specified goal for caculation.
The string implies what the dictionary would be since each value is dependent to the remaining values.
Returns
------
Return1 : Float
The final result of requested value after caculation.
"""
user_fin_dict = ask_reply
try:
if (ask_reply['input_string']) == 'present value':
output = abs(
npf.pv(user_fin_dict["required rate per year"],
user_fin_dict["required time period"],
0 - user_fin_dict["payment"],
user_fin_dict["future value"]))
elif (ask_reply['input_string']) == "future value":
output = abs(
npf.fv(user_fin_dict["required rate per year"],
user_fin_dict["required time period"],
0 - user_fin_dict["payment"],
0 - user_fin_dict["present value"]))
elif (ask_reply['input_string']) == "payment":
output = abs(
npf.pmt(user_fin_dict["required rate per year"],
user_fin_dict["required time period"],
0 - user_fin_dict["present value"],
user_fin_dict["future value"]))
elif (ask_reply['input_string']) == "required rate per year":
output = abs(
npf.rate(user_fin_dict["required time period"],
0 - user_fin_dict["payment"],
0 - user_fin_dict["present value"],
user_fin_dict["future value"]))
elif (ask_reply['input_string']) == "required time period":
output = abs(
npf.nper(user_fin_dict["required rate per year"],
0 - user_fin_dict["payment"],
0 - user_fin_dict["present value"],
user_fin_dict["future value"]))
else:
output = random.choice(unknown_input_reply)
return output
except KeyError:
print("I'm dead because of you !")
print("You should never have encountered this. What did you do?")
return None
def test_broadcast(self):
assert_almost_equal(npf.nper(0.075, -2000, 0, 100000., [0, 1]),
[21.5449442, 20.76156441], 4)
assert_almost_equal(npf.ppmt(0.1 / 12, list(range(5)), 24, 2000),
[numpy.nan, -75.62318601, -76.25337923,
-76.88882405, -77.52956425], 4)
assert_almost_equal(npf.ppmt(0.1 / 12, list(range(5)), 24, 2000, 0,
[0, 0, 1, 'end', 'begin']),
[numpy.nan, -75.62318601, -75.62318601,
-76.88882405, -76.88882405], 4)
def get_nper_loans(self) -> int:
_nper = ceil(
nper(
self.rate / (100 * self.freq),
-self.reg_pmt,
self.loan,
when=self.pmt_when,
))
self.num_of_years = round(_nper / self.freq, 2)
self.periods = self.get_periods()
self.periods_a = self.get_periods_a()
self.periods_m = self.get_periods_m()
return _nper
def get_nper_retirements(self) -> int:
_nper = ceil(
nper(
self.rate / (100 * self.freq),
-self.reg_wdr,
self.ret_fund,
when=self.wdr_when,
)
)
self.num_of_years = round(_nper / self.freq, 2)
self.periods = self.get_periods()
self.periods_a = self.get_periods_a()
self.periods_m = self.get_periods_m()
return _nper
def get_nper_savings(self) -> int:
_nper = ceil(
nper(
self.rate / (100 * self.freq),
-self.reg_dep,
-self.ini_dep,
self.fin_bal,
self.dep_when,
))
self.num_of_years = round(_nper / self.freq, 2)
self.periods = self.get_periods()
self.periods_a = self.get_periods_a()
self.periods_m = self.get_periods_m()
return _nper
def test_broadcast(self):
assert_almost_equal(npf.nper(0.075, -2000, 0, 100000., [0, 1]),
[21.5449442, 20.76156441], 4)
assert_almost_equal(npf.ipmt(0.1 / 12, list(range(5)), 24, 2000), [
-17.29165168, -16.66666667, -16.03647345, -15.40102862,
-14.76028842
], 4)
assert_almost_equal(npf.ppmt(0.1 / 12, list(range(5)), 24, 2000), [
-74.998201, -75.62318601, -76.25337923, -76.88882405, -77.52956425
], 4)
assert_almost_equal(
npf.ppmt(0.1 / 12, list(range(5)), 24, 2000, 0,
[0, 0, 1, 'end', 'begin']), [
-74.998201, -75.62318601, -75.62318601, -76.88882405,
-76.88882405
], 4)
def test_when(self):
# begin
assert_equal(npf.rate(10, 20, -3500, 10000, 1),
npf.rate(10, 20, -3500, 10000, 'begin'))
# end
assert_equal(npf.rate(10, 20, -3500, 10000),
npf.rate(10, 20, -3500, 10000, 'end'))
assert_equal(npf.rate(10, 20, -3500, 10000, 0),
npf.rate(10, 20, -3500, 10000, 'end'))
# begin
assert_equal(npf.pv(0.07, 20, 12000, 0, 1),
npf.pv(0.07, 20, 12000, 0, 'begin'))
# end
assert_equal(npf.pv(0.07, 20, 12000, 0),
npf.pv(0.07, 20, 12000, 0, 'end'))
assert_equal(npf.pv(0.07, 20, 12000, 0, 0),
npf.pv(0.07, 20, 12000, 0, 'end'))
# begin
assert_equal(npf.pmt(0.08 / 12, 5 * 12, 15000., 0, 1),
npf.pmt(0.08 / 12, 5 * 12, 15000., 0, 'begin'))
# end
assert_equal(npf.pmt(0.08 / 12, 5 * 12, 15000., 0),
npf.pmt(0.08 / 12, 5 * 12, 15000., 0, 'end'))
assert_equal(npf.pmt(0.08 / 12, 5 * 12, 15000., 0, 0),
npf.pmt(0.08 / 12, 5 * 12, 15000., 0, 'end'))
# begin
assert_equal(npf.ppmt(0.1 / 12, 1, 60, 55000, 0, 1),
npf.ppmt(0.1 / 12, 1, 60, 55000, 0, 'begin'))
# end
assert_equal(npf.ppmt(0.1 / 12, 1, 60, 55000, 0),
npf.ppmt(0.1 / 12, 1, 60, 55000, 0, 'end'))
assert_equal(npf.ppmt(0.1 / 12, 1, 60, 55000, 0, 0),
npf.ppmt(0.1 / 12, 1, 60, 55000, 0, 'end'))
# begin
assert_equal(npf.nper(0.075, -2000, 0, 100000., 1),
npf.nper(0.075, -2000, 0, 100000., 'begin'))
# end
assert_equal(npf.nper(0.075, -2000, 0, 100000.),
npf.nper(0.075, -2000, 0, 100000., 'end'))
assert_equal(npf.nper(0.075, -2000, 0, 100000., 0),
npf.nper(0.075, -2000, 0, 100000., 'end'))
ppmt = npf.ppmt(rate=rate / 12, per=per, nper=nper * 12, pv=pv, fv=fv)
'''ipmt：每期支付金额之利息'''
ipmt = npf.ipmt(rate=rate / 12, per=per, nper=nper * 12, pv=pv, fv=fv)
print(
f'年利率{rate * 100}%，贷款总额￥{abs(pv)}元，{nper}年还清，每月还款￥{abs(pmt):.2f}元，第{per}期本金：￥{abs(ppmt):.2f}元，第{per}期利息：￥{abs(ipmt):.2f}元。'
)
'''nper：分期数'''
rate = 0.075
pmt = -8055.93
pv = 1000000
fv = 0
# rate：年利率
# pmt：每期还款金额（负值）
# pv：贷款总额（正值）
# fv：期末剩余贷款金额(正值）
nper = npf.nper(rate=rate / 12, pmt=pmt, pv=pv, fv=fv)
print(
f'年利率{rate * 100}%，贷款总额￥{abs(pv)}元，每月还款￥{abs(pmt)}，需要还款{nper / 12:.2f}年，共{nper:.2f}期。还款总金额:￥{-pmt * nper:.2f}元。'
)
'''rate：计算利率'''
nper = 240
pmt = -8055.93
pv = 1000000
fv = 0
# nper：还款期数
# pmt：每期还款金额（负值）
# pv：贷款总额（正值）
# fv：期末剩余贷款金额(正值）
rate = npf.rate(nper=nper,
pmt=pmt,
pv=pv,
def test_broadcast(self):
assert_almost_equal(npf.nper(0.075, -2000, 0, 100000., [0, 1]),
[21.5449442, 20.76156441], 4)
def test_no_interest(self):
assert_(npf.nper(0, -100, 1000) == 10)
def test_infinite_payments(self):
with numpy.errstate(divide='raise'):
result = npf.nper(0, -0.0, 1000)
assert_(result == numpy.inf)
def test_gh_18(self):
with numpy.errstate(divide='raise'):
assert_allclose(
npf.nper(0.1, 0, -500, 1500),
11.52670461, # Computed using Google Sheet's NPER
)
def test_basic_values(self):
assert_allclose(
npf.nper([0, 0.075], -2000, 0, 100000),
[50, 21.544944], # Computed using Google Sheet's NPER
rtol=1e-5,
)
def test_nper2(self):
assert_almost_equal(npf.nper(0.0, -2000, 0, 100000.), 50.0, 1)
def payments_remaining(int_rate,payment,princ): return np.ceil(npf.nper(int_rate/12,payment,princ))
def get_n(self):
return fin.nper(self.rate, self.pmt, self.pv, self.fv, self.when)[0]
print(
"#**********************#FINANCIAL FUNCTIONS#**************************#")
#FINANCIAL FUNCTIONS
import numpy_financial as npf
npf.fv(8 / 12, 10 * 12, -400, 400)
period = np.arange(1 * 12) + 1
principle = 3000.00
ipmt = npf.ipmt(0.0925 / 12, period, 1 * 12, principle)
ppmt = npf.ipmt(0.0925 / 12, period, 1 * 12, principle)
for payment in period:
index = payment - 1
principle = principle + ppmt[index]
print(
f"{payment} {np.round(ppmt[index],2)} {np.round(ipmt[index],2)} {np.round(principle,2)}"
)
np.round(npf.nper(0.0925 / 12, -150, 3000.00), 2)
npf.npv(0.08, [-1500, 4000, 5000, 6000, 7000])
print(
"#**********************#COMPARISON FUNCTIONS#**************************#")
#COMPARISON FUNCTIONS
carr_1 = np.array([2, 3])
carr_2 = np.array([3, 2])
np.greater(carr_1, carr_2)
np.greater_equal(carr_1, carr_2)
np.less(carr_1, carr_2)
np.less_equal(carr_1, carr_2)
np.not_equal(carr_1, carr_2)
np.equal(carr_1, carr_2)
def test_nper(self):
assert_almost_equal(npf.nper(0.075, -2000, 0, 100000.), 21.54, 2)
