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* Added apr_interest function to financial * Update interest.py * [pre-commit.ci] auto fixes from pre-commit.com hooks for more information, see https://pre-commit.ci * Update financial/interest.py * float --------- Co-authored-by: Christian Clauss <cclauss@me.com> Co-authored-by: pre-commit-ci[bot] <66853113+pre-commit-ci[bot]@users.noreply.github.com>
121 lines
3.6 KiB
Python
121 lines
3.6 KiB
Python
# https://www.investopedia.com
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from __future__ import annotations
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def simple_interest(
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principal: float, daily_interest_rate: float, days_between_payments: float
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) -> float:
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"""
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>>> simple_interest(18000.0, 0.06, 3)
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3240.0
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>>> simple_interest(0.5, 0.06, 3)
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0.09
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>>> simple_interest(18000.0, 0.01, 10)
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1800.0
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>>> simple_interest(18000.0, 0.0, 3)
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0.0
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>>> simple_interest(5500.0, 0.01, 100)
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5500.0
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>>> simple_interest(10000.0, -0.06, 3)
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Traceback (most recent call last):
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...
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ValueError: daily_interest_rate must be >= 0
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>>> simple_interest(-10000.0, 0.06, 3)
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Traceback (most recent call last):
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...
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ValueError: principal must be > 0
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>>> simple_interest(5500.0, 0.01, -5)
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Traceback (most recent call last):
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...
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ValueError: days_between_payments must be > 0
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"""
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if days_between_payments <= 0:
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raise ValueError("days_between_payments must be > 0")
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if daily_interest_rate < 0:
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raise ValueError("daily_interest_rate must be >= 0")
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if principal <= 0:
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raise ValueError("principal must be > 0")
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return principal * daily_interest_rate * days_between_payments
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def compound_interest(
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principal: float,
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nominal_annual_interest_rate_percentage: float,
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number_of_compounding_periods: float,
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) -> float:
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"""
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>>> compound_interest(10000.0, 0.05, 3)
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1576.2500000000014
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>>> compound_interest(10000.0, 0.05, 1)
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500.00000000000045
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>>> compound_interest(0.5, 0.05, 3)
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0.07881250000000006
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>>> compound_interest(10000.0, 0.06, -4)
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Traceback (most recent call last):
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...
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ValueError: number_of_compounding_periods must be > 0
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>>> compound_interest(10000.0, -3.5, 3.0)
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Traceback (most recent call last):
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...
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ValueError: nominal_annual_interest_rate_percentage must be >= 0
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>>> compound_interest(-5500.0, 0.01, 5)
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Traceback (most recent call last):
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...
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ValueError: principal must be > 0
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"""
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if number_of_compounding_periods <= 0:
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raise ValueError("number_of_compounding_periods must be > 0")
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if nominal_annual_interest_rate_percentage < 0:
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raise ValueError("nominal_annual_interest_rate_percentage must be >= 0")
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if principal <= 0:
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raise ValueError("principal must be > 0")
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return principal * (
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(1 + nominal_annual_interest_rate_percentage) ** number_of_compounding_periods
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- 1
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)
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def apr_interest(
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principal: float,
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nominal_annual_percentage_rate: float,
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number_of_years: float,
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) -> float:
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"""
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>>> apr_interest(10000.0, 0.05, 3)
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1618.223072263547
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>>> apr_interest(10000.0, 0.05, 1)
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512.6749646744732
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>>> apr_interest(0.5, 0.05, 3)
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0.08091115361317736
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>>> apr_interest(10000.0, 0.06, -4)
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Traceback (most recent call last):
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...
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ValueError: number_of_years must be > 0
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>>> apr_interest(10000.0, -3.5, 3.0)
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Traceback (most recent call last):
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...
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ValueError: nominal_annual_percentage_rate must be >= 0
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>>> apr_interest(-5500.0, 0.01, 5)
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Traceback (most recent call last):
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...
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ValueError: principal must be > 0
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"""
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if number_of_years <= 0:
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raise ValueError("number_of_years must be > 0")
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if nominal_annual_percentage_rate < 0:
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raise ValueError("nominal_annual_percentage_rate must be >= 0")
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if principal <= 0:
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raise ValueError("principal must be > 0")
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return compound_interest(
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principal, nominal_annual_percentage_rate / 365, number_of_years * 365
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)
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if __name__ == "__main__":
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import doctest
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doctest.testmod()
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