Loan compare

DOCUMENTATION.md

@@ -66,3 +66,13 @@ The initial price of the product or service. |
 |                             |                                        | - `ending_inventory` (float): The final amount of accounts payable ending the cycle. |
 |                             |                                        | - `total_credit_purchases` (float): The amount of purchases on credit during the cycle. |
 |-----------------------------|----------------------------------------|---------------------------------------------------------------------|
+| Endpoint                  | Description                            | Request Parameters                                       |
+|---------------------------|----------------------------------------|---------------------------------------------------------|
+| POST /debt_payoff_planner | Calculate debt payoff plan             | - `debt_amount` (float): The total amount of debt.       |
+|                           |                                        | - `interest_rate` (float): The annual interest rate.    |
+|                           |                                        | - `monthly_payment` (float): The fixed monthly payment. |
+|---------------------------|----------------------------------------|---------------------------------------------------------|
+| GET /loan_comparison         Compare loan plans                    | - `loan_amount` (float): The loan amount..              |
+|                           |                                        | - `loan_term` (int): The loan term in months.           |
+
+

ENDPOINTS.md

@@ -1356,7 +1356,7 @@
 ```
 
 \*_GET_ `calculate_lumpsum`
--Required Parameters: `principal`, `interest_rate `, `years`
+-Required Parameters: `principal`, `interest_rate`, `years`
 -sample output
 
 ```py
@@ -1639,6 +1639,7 @@ Add-function-and-endpoint-to-calculate-lump-sum-mutual-fund-investment
 **GET** `/loan-affordability`
 
 - Required parameters : `income`,
+
   `expenses`,
   `loan_term`,
   `interest_rate`,
@@ -1660,7 +1661,7 @@ Add-function-and-endpoint-to-calculate-lump-sum-mutual-fund-investment
 **GET** `/calculate_bvps`
 
 - Required parameters : `stockholders_equity`,
-  `preferred_stock`, `average_outstanding_shares`,
+                         `preferred_stock`, `average_outstanding_shares`
 - Sample output
 
 ```py
@@ -1678,6 +1679,7 @@ Add-function-and-endpoint-to-calculate-lump-sum-mutual-fund-investment
 **GET** `/gratuity-amount`
 
 - Required parameters : `last_salary`,
+
   `tenure_years`,
   `tenure_months`,
 - Sample Request: `GET`, `http://localhost:8000/calculate_gratuity?last_salary=20000000&tenure_years=10&tenure_months=1`,
@@ -1709,6 +1711,7 @@ Add-function-and-endpoint-to-calculate-lump-sum-mutual-fund-investment
 
 ```
 
+
 **GET** `/personal_savings`
 
 - Required parameters : 'init','monthly', 'tenure'
@@ -1746,7 +1749,7 @@ Add-function-and-endpoint-to-calculate-lump-sum-mutual-fund-investment
 # GET # Endpoint --> '/mortrage'
 
 Required Paramenters --> princial:int,interest_rate:float,years:int,down_payment:int,property_tax_rate:float,insurance_rate:float
-Sample request --> http://127.0.0.1:8000/mortrages?princial=200000&interest_rate=4.5&years=45&down_payment=50000&property_tax_rate=1.3&insurance_rate=0.5
+Sample request --> <http://127.0.0.1:8000/mortrages?princial=200000&interest_rate=4.5&years=45&down_payment=50000&property_tax_rate=1.3&insurance_rate=0.5>
 
 Sample Output
 
@@ -1765,7 +1768,7 @@ Sample Output
 
 Required Parameters --> birth_date:str,earnings:int,retirement_age:int
 
-Sample request --> http://127.0.0.1:8000/social_securities?birth_date=10-08-2002&earnings=250000&retirement_age=70
+Sample request --> <http://127.0.0.1:8000/social_securities?birth_date=10-08-2002&earnings=250000&retirement_age=70>
 Sample Output
 
 ```py
@@ -2132,25 +2135,25 @@ Sample Output
 **POST** `/defensive_interval_ratio`
 
 - Request body : `{
-	"cash": 40000.00,
-	"marketable_securities": 20000.00,
-	"net_receivables": 10000.00,
-	"annual_operating_expenses": 300000.00,
-	"non_cash_charges": 25000.00
+ "cash": 40000.00,
+ "marketable_securities": 20000.00,
+ "net_receivables": 10000.00,
+ "annual_operating_expenses": 300000.00,
+ "non_cash_charges": 25000.00
 }`
 - Sample output
 
 ```py
 {
   "Tag": "Defensive Interval Ratio",
-	"Cash": 40000.00,
-	"Marketable Securites": 20000.00,
-	"Net Receivables": 10000.00,
-	"Annual Operating Expenses": 300000.00,
-	"Non Cash Charges": 25000.00,
-	"Current Assets": 70000.0,
-	"Daily Operational Expenses": 753.42,
-	"Defensive Interval Ratio": 92.90
+ "Cash": 40000.00,
+ "Marketable Securites": 20000.00,
+ "Net Receivables": 10000.00,
+ "Annual Operating Expenses": 300000.00,
+ "Non Cash Charges": 25000.00,
+ "Current Assets": 70000.0,
+ "Daily Operational Expenses": 753.42,
+ "Defensive Interval Ratio": 92.90
 }
 ```
 
@@ -2214,7 +2217,7 @@ Sample Output
 
 - Request body : `{
   "beginning_inventory": 1000,
-  "ending_inventory": 2000, 
+  "ending_inventory": 2000,
   "beginning_receivables": 100
   "ending_receivables": 90,
   "beginning_payable": 800,
@@ -2252,7 +2255,7 @@ Sample Output
     "deductible": 500,
     "num_claims": 0,
     "num_accidents": 1
-**POST** `/price-elasticity`
+**POST**`/price-elasticity`
 
 - Request body : `{
   "initial_price": 10.0,
@@ -2274,7 +2277,7 @@ Sample Output
 
 - Request body : `{
   "beginning_accounts_payable": 110000,
-  "ending_accounts_payable": 95000, 
+  "ending_accounts_payable": 95000,
   "total_credit_purchases": 1110000
 }`
 - Sample output
@@ -2289,3 +2292,62 @@ Sample Output
   "Average Payment Period": "33.7days",
 }
 ```
+
+**POST** `/debt_payoff_planner`
+- Request body :
+  {
+    "amount_paid": 20.23,
+    "principle_amount": 30.9,
+    "months": 5
+  }
+- Sample Output:
+```py
+{
+  "Tag": "Simple Interest Rate",
+  "Total amount paid": 20.23,
+  "Principle amount": 30.9,
+  "Interest Paid": -10.67,
+  "Interest Rate": "-82.87%"
+}
+```
+
+
+**GET** `/loan_comparison`
+- Request body : `{
+  "loan_amount": 110000,
+  "loan_term": 12,
+}`
+- Sample Output:
+  ```json
+  [
+    {
+      "name": "Loan Offer B",
+      "interest_rate": 7.9,
+      "loan_term": 24,
+      "processing_fee": 150,
+      "total_repayment": 520.23
+    },
+    {
+      "name": "Loan Offer C",
+      "interest_rate": 9.2,
+      "loan_term": 18,
+      "processing_fee": 250,
+      "total_repayment": 522.57
+    },
+    {
+      "name": "Loan Offer A",
+      "interest_rate": 8.5,
+      "loan_term": 12,
+      "processing_fee": 200,
+      "total_repayment": 523.15
+    },
+    {
+      "name": "Loan Offer D",
+      "interest_rate": 6.5,
+      "loan_term": 36,
+      "processing_fee": 100,
+      "total_repayment": 529.28
+    }
+  ]
+  ```
+

helpers/functions.py

@@ -5,6 +5,7 @@
 import datetime
 from dateutil.relativedelta import relativedelta
 from typing import Union
+from fastapi import FastAPI, HTTPException, Query
 
 
 # Function to Calculate Simple Interest Rate
@@ -2061,4 +2062,37 @@ def calculate_modified_internal_rate_of_return(ending_cash_flow: float,
                                                 initial_cash_flow: float,
                                                 number_of_periods: int):
     mirr = ((ending_cash_flow / initial_cash_flow) ** (1 / number_of_periods)) - 1
-    return mirr*100
+    return mirr*100
+
+
+# Function for Debt Payoff Planner
+
+
+def debt_payoff_planner(debt_amount: float, interest_rate: float, monthly_payment: float):
+    if interest_rate <= 0 or monthly_payment <= 0:
+        raise ValueError("Interest rate and monthly payment must be positive.")
+
+    # Convert the interest rate from percentage to decimal
+    monthly_interest_rate = interest_rate / 100 / 12
+
+    months_left = 0
+    total_interest_paid = 0
+    remaining_debt = debt_amount
+
+    while remaining_debt > 0:
+        months_left += 1
+        interest_payment = remaining_debt * monthly_interest_rate
+        total_interest_paid += interest_payment
+        remaining_debt += interest_payment - monthly_payment
+
+        if remaining_debt <= 0:
+            break
+
+    return {
+        "Tag": "Debt Payoff Planner",
+        "Debt Amount": debt_amount,
+        "Interest Rate": interest_rate,
+        "Monthly Payment": monthly_payment,
+        "Months to Pay Off": months_left,
+        "Total Interest Paid": round(total_interest_paid, 2),
+    }

main.py

@@ -1,4 +1,4 @@
-from fastapi import FastAPI, Depends, HTTPException, status
+from fastapi import FastAPI, Depends, HTTPException, status,Query
 from fastapi.security import HTTPBearer, HTTPAuthorizationCredentials
 from fastapi.responses import JSONResponse
 import jwt
@@ -1985,3 +1985,81 @@ def average_payment_period(request: AveragePaymentPeriod):
     return average_payment_period_task(request.beginning_accounts_payable , 
     request.ending_accounts_payable , request.total_credit_purchases)
 
+# Endpoint for Debt Payoff Planner
+
+app = FastAPI()
+
+@app.get(
+    "/debt_payoff_planner",
+    tags=["debt_payoff_planner"],
+    description="Calculate debt payoff plan",
+)
+def debt_payoff_planner(
+    debt_amount: float = Query(..., description="The total amount of debt."),
+    interest_rate: float = Query(..., description="The annual interest rate (as a percentage)."),
+    monthly_payment: float = Query(..., description="The fixed monthly payment amount.")
+):
+    try:
+        if interest_rate <= 0 or monthly_payment <= 0:
+            raise HTTPException(status_code=400, detail="Interest rate and monthly payment must be positive.")
+
+        # Convert the interest rate from percentage to decimal
+        monthly_interest_rate = interest_rate / 100 / 12
+
+        months_left = 0
+        total_interest_paid = 0
+        remaining_debt = debt_amount
+
+        while remaining_debt > 0:
+            months_left += 1
+            interest_payment = remaining_debt * monthly_interest_rate
+            total_interest_paid += interest_payment
+            remaining_debt += interest_payment - monthly_payment
+
+            if remaining_debt <= 0:
+                break
+
+        return {
+            "Tag": "Debt Payoff Planner",
+            "Debt Amount": debt_amount,
+            "Interest Rate": interest_rate,
+            "Monthly Payment": monthly_payment,
+            "Months to Pay Off": months_left,
+            "Total Interest Paid": round(total_interest_paid, 2),
+        }
+    except Exception as e:
+        raise HTTPException(status_code=500, detail=str(e))
+
+#Endpoint for Loan Comparison
+@app.get(
+    "/loan_comparison",
+    tags=["loan_comparison"],
+    description="Compare loan offers based on total repayment amounts",
+)
+def loan_comparison(
+    loan_amount: float = Query(..., description="The loan amount."),
+    loan_term: int = Query(..., description="The loan term in months.")
+):
+    try:
+        if loan_amount <= 0 or loan_term <= 0:
+            raise HTTPException(status_code=400, detail="Loan amount and loan term must be positive.")
+
+        # Calculate the total repayment amount for each loan offer
+        loan_offers_with_total_repayment = [
+            {
+                "name": offer.name,
+                "interest_rate": offer.interest_rate,
+                "loan_term": offer.loan_term,
+                "processing_fee": offer.processing_fee,
+                "total_repayment": loan_amount + (loan_amount * (offer.interest_rate / 100)) + offer.processing_fee
+            }
+            for offer in loan_offers
+        ]
+
+        # Sort the loan offers based on total repayment amounts (lowest to highest)
+        sorted_loan_offers = sorted(loan_offers_with_total_repayment, key=lambda x: x["total_repayment"])
+
+        return sorted_loan_offers
+
+    except Exception as e:
+        raise HTTPException(status_code=500, detail=str(e))

tasks/debt_payoff_planner.py

@@ -0,0 +1,16 @@
+from fastapi import HTTPException, status
+from helpers import functions
+
+def debt_payoff_planner(debt_amount: float, interest_rate: float, monthly_payment: float):
+    try:
+        result = functions.debt_payoff_planner(debt_amount, interest_rate, monthly_payment)
+        return {
+            "Tag": "Debt Payoff Planner",
+            "Debt Amount": debt_amount,
+            "Interest Rate": interest_rate,
+            "Monthly Payment": monthly_payment,
+            "Months to Pay Off": result["Months to Pay Off"],
+            "Total Interest Paid": result["Total Interest Paid"],
+        }
+    except:
+        return HTTPException(status_code=status.HTTP_500_INTERNAL_SERVER_ERROR)