def main():
account = SavingsAccount.SavingsAccount()
account.setStartDate((10, 2018))
account.setEndDate((12, 2021))
account.setGoal(40000.0)
account.setStartingBalance(4609.29)
# Setting up simulation
account.addMonthlyContribution(1600.0)
cds = []
# Bought this cd apy=2.7, term=17 on Oct 18
cds += [
CertificateDeposit.CertificateDeposit(
Calendar.Calendar(month=10, year=2018), 2.7, 17, 4609.29)
]
account.addCertificateDeposit(cds[-1])
# Below is plan to buy
cds += [
CertificateDeposit.CertificateDeposit(
Calendar.Calendar(month=1, year=2019), 1.65, 18, 6400.0)
]
account.addCertificateDeposit(cds[-1])
cds += [
CertificateDeposit.CertificateDeposit(
Calendar.Calendar(month=4, year=2019), 1.4, 15, 4800.0)
]
account.addCertificateDeposit(cds[-1])
cds += [
CertificateDeposit.CertificateDeposit(
Calendar.Calendar(month=7, year=2019), 1.4, 12, 4800.0)
]
account.addCertificateDeposit(cds[-1])
cds += [
CertificateDeposit.CertificateDeposit(
Calendar.Calendar(month=11, year=2019), 0.2, 8, 10200)
]
account.addCertificateDeposit(cds[-1])
# Planned Deposit from TDECU
account.addDeposit(Calendar.Calendar(month=11, year=2019), 3800.0)
# account.plotSimulation()
account.printBalance()
for cd in cds:
value = cd.getMaturityValue() - cd.principle
thousands = int(value / 1000)
leftover = value - thousands * 1000
valueFormat = "{0:6.2f}".format(leftover)
if thousands > 0:
valueFormat = " {0:3d},".format(thousands) + valueFormat
else:
valueFormat = " " + valueFormat
print("Interest Earned: {0:s}, Matured: {1:s}".format(
valueFormat,
Calendar.Calendar.convertDateToWords(cd.getMatureDate().date())))
def test_BalanceWithStartingValue():
acc = SavingsAccount.SavingsAccount()
acc.setStartDate((6, 2018))
acc.setEndDate((3, 2019))
acc.setStartingBalance(421)
acc.addMonthlyContribution(10.0)
available, unavailable, balance = acc.calculateBalance()
expectedBalance = [431, 441, 451, 461, 471, 481, 491, 501, 511, 521]
assert len(balance) == len(expectedBalance)
for result, expected in zip(balance, expectedBalance):
assert math.fabs(expected - result) < 5.0e-11, "Diff = " + str(
math.fabs(expected - result))
cd1 = CertificateDeposit.CertificateDeposit(Calendar.Calendar(8, 2018),
1.2, 4, 14.0)
acc.addCertificateDeposit(cd1)
available, unavailable, balance = acc.calculateBalance()
expectedBalance = [
431, 441, 451, 461.014, 471.028014, 481.042042014, 491.056084056,
501.056084056, 511.056084056, 521.056084056
]
assert len(balance) == len(expectedBalance)
for result, expected in zip(balance, expectedBalance):
assert math.fabs(expected - result) < 5.0e-11, "Diff = " + str(
math.fabs(expected - result))
def test_valueCalculation():
cd = CertificateDeposit.CertificateDeposit(start=Calendar.Calendar(
10, 2018),
apy=1.2,
term=4,
principle=14)
expectedValue = 14.056084056
result = cd.getMaturityValue()
assert math.fabs((result - expectedValue)) < 5.0e-11, "Diff = " + str(
math.fabs(expectedValue - result))
def test_monthlyValue():
cd = CertificateDeposit.CertificateDeposit(start=Calendar.Calendar(
10, 2018),
apy=1.2,
term=4,
principle=14)
expectedValue = [14, 14.014, 14.028014, 14.042042014, 14.056084056]
result = cd.getMonthlyValue()
for expected, value in zip(expectedValue, result):
assert math.fabs(expected - value) < 5.0e-11, "Diff = " + str(
math.fabs(expected - value))
def test_Construction():
cd = CertificateDeposit.CertificateDeposit(start=Calendar.Calendar(
10, 2018),
apy=1.2,
term=3,
principle=1)
assert cd.getMatureDate().date() == (1, 2019)
cd2 = CertificateDeposit.CertificateDeposit(start=Calendar.Calendar(
10, 2018),
apy=1.2,
term=18,
principle=1)
assert cd2.getMatureDate().date() == (4, 2020)
# Check error conditions on construction
with pytest.raises(AssertionError):
cd1 = CertificateDeposit.CertificateDeposit(start=None,
apy=1.2,
term=3)
cd2 = CertificateDeposit.CertificateDeposit(start=Calendar.Calendar(
2, 2000),
apy=-1,
term=3,
principle=1)
cd3 = CertificateDeposit.CertificateDeposit(start=Calendar.Calendar(
2, 2000),
apy=101,
term=3,
principle=1)
cd4 = CertificateDeposit.CertificateDeposit(start=Calendar.Calendar(
2, 2000),
apy=1,
term=-3,
principle=1)
cd5 = CertificateDeposit.CertificateDeposit(start=Calendar.Calendar(
2, 2000),
apy=1,
term=3,
principle=-1)
def test_BalanceWithCDonly():
acc = SavingsAccount.SavingsAccount()
acc.setStartDate((6, 2018))
acc.setEndDate((3, 2019))
acc.setStartingBalance(14)
cd1 = CertificateDeposit.CertificateDeposit(Calendar.Calendar(6, 2018),
1.2, 4, 14.0)
acc.addCertificateDeposit(cd1)
available, unavailable, balance = acc.calculateBalance()
expectedBalance = [
14, 14.014, 14.028014, 14.042042014, 14.056084056, 14.056084056,
14.056084056, 14.056084056, 14.056084056, 14.056084056
]
assert len(balance) == len(expectedBalance)
for result, expected in zip(balance, expectedBalance):
assert math.fabs(expected - result) < 5.0e-11, "Diff = " + str(
math.fabs(expected - result))
def test_BalanceWithCDandContribution():
acc = SavingsAccount.SavingsAccount()
acc.setStartDate((6, 2018))
acc.setEndDate((3, 2019))
acc.addMonthlyContribution(10.0)
cd1 = CertificateDeposit.CertificateDeposit(Calendar.Calendar(8, 2018),
1.2, 4, 14.0)
acc.addCertificateDeposit(cd1)
available, unavailable, balance = acc.calculateBalance()
expectedBalance = [
10, 20, 30, 40.014, 50.028014, 60.042042014, 70.056084056,
80.056084056, 90.056084056, 100.056084056
]
assert len(balance) == len(expectedBalance)
for result, expected in zip(balance, expectedBalance):
assert math.fabs(expected - result) < 5.0e-11, "Diff = " + str(
math.fabs(expected - result))