title compounding user strick ip 104.132.1.79 vol 1 lock ******** /pre( $ r=5.09453 b=139000 p=3267 python3 loan.py Initial Balance: 139000.00 Annualized Rate: 5.094530 Quarterly Mult: 1.012500 quarter 1: payment= 3267.00 bal= 137429.66 (sum_payments= 3267.00 re-invested= 3267.00) quarter 2: payment= 3267.00 bal= 135839.69 (sum_payments= 6534.00 re-invested= 6574.84) quarter 3: payment= 3267.00 bal= 134229.85 (sum_payments= 9801.00 re-invested= 9924.02) quarter 4: payment= 3267.00 bal= 132599.89 (sum_payments= 13068.00 re-invested= 13315.07) quarter 5: payment= 3267.00 bal= 130949.55 (sum_payments= 16335.00 re-invested= 16748.51) quarter 6: payment= 3267.00 bal= 129278.58 (sum_payments= 19602.00 re-invested= 20224.87) quarter 7: payment= 3267.00 bal= 127586.72 (sum_payments= 22869.00 re-invested= 23744.68) quarter 8: payment= 3267.00 bal= 125873.71 (sum_payments= 26136.00 re-invested= 27308.49) quarter 9: payment= 3267.00 bal= 124139.30 (sum_payments= 29403.00 re-invested= 30916.84) quarter 10: payment= 3267.00 bal= 122383.20 (sum_payments= 32670.00 re-invested= 34570.30) quarter 11: payment= 3267.00 bal= 120605.15 (sum_payments= 35937.00 re-invested= 38269.43) quarter 12: payment= 3267.00 bal= 118804.88 (sum_payments= 39204.00 re-invested= 42014.80) quarter 13: payment= 3267.00 bal= 116982.10 (sum_payments= 42471.00 re-invested= 45806.98) quarter 14: payment= 3267.00 bal= 115136.54 (sum_payments= 45738.00 re-invested= 49646.57) quarter 15: payment= 3267.00 bal= 113267.91 (sum_payments= 49005.00 re-invested= 53534.15) quarter 16: payment= 3267.00 bal= 111375.92 (sum_payments= 52272.00 re-invested= 57470.33) quarter 17: payment= 3267.00 bal= 109460.28 (sum_payments= 55539.00 re-invested= 61455.71) quarter 18: payment= 3267.00 bal= 107520.69 (sum_payments= 58806.00 re-invested= 65490.90) quarter 19: payment= 3267.00 bal= 105556.86 (sum_payments= 62073.00 re-invested= 69576.54) quarter 20: payment= 3267.00 bal= 103568.48 (sum_payments= 65340.00 re-invested= 73713.24) quarter 21: payment= 3267.00 bal= 101555.25 (sum_payments= 68607.00 re-invested= 77901.66) quarter 22: payment= 3267.00 bal= 99516.85 (sum_payments= 71874.00 re-invested= 82142.43) quarter 23: payment= 3267.00 bal= 97452.98 (sum_payments= 75141.00 re-invested= 86436.21) quarter 24: payment= 3267.00 bal= 95363.30 (sum_payments= 78408.00 re-invested= 90783.66) quarter 25: payment= 3267.00 bal= 93247.50 (sum_payments= 81675.00 re-invested= 95185.46) quarter 26: payment= 3267.00 bal= 91105.26 (sum_payments= 84942.00 re-invested= 99642.27) quarter 27: payment= 3267.00 bal= 88936.24 (sum_payments= 88209.00 re-invested= 104154.80) quarter 28: payment= 3267.00 bal= 86740.10 (sum_payments= 91476.00 re-invested= 108723.73) quarter 29: payment= 3267.00 bal= 84516.51 (sum_payments= 94743.00 re-invested= 113349.78) quarter 30: payment= 3267.00 bal= 82265.13 (sum_payments= 98010.00 re-invested= 118033.65) quarter 31: payment= 3267.00 bal= 79985.61 (sum_payments= 101277.00 re-invested= 122776.07) quarter 32: payment= 3267.00 bal= 77677.59 (sum_payments= 104544.00 re-invested= 127577.77) quarter 33: payment= 3267.00 bal= 75340.72 (sum_payments= 107811.00 re-invested= 132439.49) quarter 34: payment= 3267.00 bal= 72974.64 (sum_payments= 111078.00 re-invested= 137361.98) quarter 35: payment= 3267.00 bal= 70578.99 (sum_payments= 114345.00 re-invested= 142346.01) quarter 36: payment= 3267.00 bal= 68153.39 (sum_payments= 117612.00 re-invested= 147392.33) quarter 37: payment= 3267.00 bal= 65697.47 (sum_payments= 120879.00 re-invested= 152501.73) quarter 38: payment= 3267.00 bal= 63210.85 (sum_payments= 124146.00 re-invested= 157675.01) quarter 39: payment= 3267.00 bal= 60693.14 (sum_payments= 127413.00 re-invested= 162912.94) quarter 40: payment= 3267.00 bal= 58143.97 (sum_payments= 130680.00 re-invested= 168216.35) quarter 41: payment= 3267.00 bal= 55562.93 (sum_payments= 133947.00 re-invested= 173586.05) quarter 42: payment= 3267.00 bal= 52949.63 (sum_payments= 137214.00 re-invested= 179022.88) quarter 43: payment= 3267.00 bal= 50303.66 (sum_payments= 140481.00 re-invested= 184527.66) quarter 44: payment= 3267.00 bal= 47624.62 (sum_payments= 143748.00 re-invested= 190101.26) quarter 45: payment= 3267.00 bal= 44912.09 (sum_payments= 147015.00 re-invested= 195744.52) quarter 46: payment= 3267.00 bal= 42165.65 (sum_payments= 150282.00 re-invested= 201458.33) quarter 47: payment= 3267.00 bal= 39384.89 (sum_payments= 153549.00 re-invested= 207243.55) quarter 48: payment= 3267.00 bal= 36569.36 (sum_payments= 156816.00 re-invested= 213101.10) quarter 49: payment= 3267.00 bal= 33718.64 (sum_payments= 160083.00 re-invested= 219031.86) quarter 50: payment= 3267.00 bal= 30832.28 (sum_payments= 163350.00 re-invested= 225036.75) quarter 51: payment= 3267.00 bal= 27909.85 (sum_payments= 166617.00 re-invested= 231116.71) quarter 52: payment= 3267.00 bal= 24950.89 (sum_payments= 169884.00 re-invested= 237272.67) quarter 53: payment= 3267.00 bal= 21954.93 (sum_payments= 173151.00 re-invested= 243505.57) quarter 54: payment= 3267.00 bal= 18921.53 (sum_payments= 176418.00 re-invested= 249816.39) quarter 55: payment= 3267.00 bal= 15850.22 (sum_payments= 179685.00 re-invested= 256206.09) quarter 56: payment= 3267.00 bal= 12740.51 (sum_payments= 182952.00 re-invested= 262675.67) quarter 57: payment= 3267.00 bal= 9591.92 (sum_payments= 186219.00 re-invested= 269226.11) quarter 58: payment= 3267.00 bal= 6403.99 (sum_payments= 189486.00 re-invested= 275858.44) quarter 59: payment= 3267.00 bal= 3176.20 (sum_payments= 192753.00 re-invested= 282573.66) quarter 60: payment= 3267.00 bal= -91.94 (sum_payments= 196020.00 re-invested= 289372.83) $ r=5.09453 b=139000 p=4000 python3 loan.py Initial Balance: 139000.00 Annualized Rate: 5.094530 Quarterly Mult: 1.012500 quarter 1: payment= 4000.00 bal= 136687.50 (sum_payments= 4000.00 re-invested= 4000.00) quarter 2: payment= 4000.00 bal= 134346.09 (sum_payments= 8000.00 re-invested= 8050.00) quarter 3: payment= 4000.00 bal= 131975.42 (sum_payments= 12000.00 re-invested= 12150.62) quarter 4: payment= 4000.00 bal= 129575.11 (sum_payments= 16000.00 re-invested= 16302.51) quarter 5: payment= 4000.00 bal= 127144.80 (sum_payments= 20000.00 re-invested= 20506.29) quarter 6: payment= 4000.00 bal= 124684.10 (sum_payments= 24000.00 re-invested= 24762.62) quarter 7: payment= 4000.00 bal= 122192.65 (sum_payments= 28000.00 re-invested= 29072.15) quarter 8: payment= 4000.00 bal= 119670.06 (sum_payments= 32000.00 re-invested= 33435.55) quarter 9: payment= 4000.00 bal= 117115.94 (sum_payments= 36000.00 re-invested= 37853.50) quarter 10: payment= 4000.00 bal= 114529.88 (sum_payments= 40000.00 re-invested= 42326.66) quarter 11: payment= 4000.00 bal= 111911.51 (sum_payments= 44000.00 re-invested= 46855.75) quarter 12: payment= 4000.00 bal= 109260.40 (sum_payments= 48000.00 re-invested= 51441.44) quarter 13: payment= 4000.00 bal= 106576.15 (sum_payments= 52000.00 re-invested= 56084.46) quarter 14: payment= 4000.00 bal= 103858.36 (sum_payments= 56000.00 re-invested= 60785.52) quarter 15: payment= 4000.00 bal= 101106.58 (sum_payments= 60000.00 re-invested= 65545.33) quarter 16: payment= 4000.00 bal= 98320.42 (sum_payments= 64000.00 re-invested= 70364.65) quarter 17: payment= 4000.00 bal= 95499.42 (sum_payments= 68000.00 re-invested= 75244.21) quarter 18: payment= 4000.00 bal= 92643.16 (sum_payments= 72000.00 re-invested= 80184.76) quarter 19: payment= 4000.00 bal= 89751.20 (sum_payments= 76000.00 re-invested= 85187.07) quarter 20: payment= 4000.00 bal= 86823.09 (sum_payments= 80000.00 re-invested= 90251.91) quarter 21: payment= 4000.00 bal= 83858.38 (sum_payments= 84000.00 re-invested= 95380.05) quarter 22: payment= 4000.00 bal= 80856.61 (sum_payments= 88000.00 re-invested= 100572.30) quarter 23: payment= 4000.00 bal= 77817.31 (sum_payments= 92000.00 re-invested= 105829.46) quarter 24: payment= 4000.00 bal= 74740.03 (sum_payments= 96000.00 re-invested= 111152.32) quarter 25: payment= 4000.00 bal= 71624.28 (sum_payments= 100000.00 re-invested= 116541.73) quarter 26: payment= 4000.00 bal= 68469.58 (sum_payments= 104000.00 re-invested= 121998.50) quarter 27: payment= 4000.00 bal= 65275.45 (sum_payments= 108000.00 re-invested= 127523.48) quarter 28: payment= 4000.00 bal= 62041.39 (sum_payments= 112000.00 re-invested= 133117.52) quarter 29: payment= 4000.00 bal= 58766.91 (sum_payments= 116000.00 re-invested= 138781.49) quarter 30: payment= 4000.00 bal= 55451.50 (sum_payments= 120000.00 re-invested= 144516.26) quarter 31: payment= 4000.00 bal= 52094.64 (sum_payments= 124000.00 re-invested= 150322.71) quarter 32: payment= 4000.00 bal= 48695.82 (sum_payments= 128000.00 re-invested= 156201.74) quarter 33: payment= 4000.00 bal= 45254.52 (sum_payments= 132000.00 re-invested= 162154.26) quarter 34: payment= 4000.00 bal= 41770.20 (sum_payments= 136000.00 re-invested= 168181.19) quarter 35: payment= 4000.00 bal= 38242.33 (sum_payments= 140000.00 re-invested= 174283.45) quarter 36: payment= 4000.00 bal= 34670.36 (sum_payments= 144000.00 re-invested= 180461.99) quarter 37: payment= 4000.00 bal= 31053.74 (sum_payments= 148000.00 re-invested= 186717.77) quarter 38: payment= 4000.00 bal= 27391.91 (sum_payments= 152000.00 re-invested= 193051.74) quarter 39: payment= 4000.00 bal= 23684.31 (sum_payments= 156000.00 re-invested= 199464.88) quarter 40: payment= 4000.00 bal= 19930.36 (sum_payments= 160000.00 re-invested= 205958.19) quarter 41: payment= 4000.00 bal= 16129.49 (sum_payments= 164000.00 re-invested= 212532.67) quarter 42: payment= 4000.00 bal= 12281.11 (sum_payments= 168000.00 re-invested= 219189.32) quarter 43: payment= 4000.00 bal= 8384.62 (sum_payments= 172000.00 re-invested= 225929.19) quarter 44: payment= 4000.00 bal= 4439.43 (sum_payments= 176000.00 re-invested= 232753.30) quarter 45: payment= 4000.00 bal= 444.92 (sum_payments= 180000.00 re-invested= 239662.71) quarter 46: payment= 4000.00 bal= -3599.52 (sum_payments= 184000.00 re-invested= 246658.50) /pre) /box( /pre( $ cat loan.py import os bal = float(os.getenv('b')) # Initial balance to be paid. annualized_rate = float(os.getenv('r')) # percent per annum payment = float(os.getenv('p')) multiplier = (1.0 + annualized_rate/100.0) ** (1.0 / 4.0) print("Initial Balance: %.2f Annualized Rate: %.6f Quarterly Mult: %.6f" % (bal, annualized_rate, multiplier)) sum_payments = 0.0 future = 0.0 # Future value of accumulated payments, at same rate. for i in range(9999): bal = bal - payment bal *= multiplier sum_payments += payment future *= multiplier future = future + payment print ("quarter %2d: payment=%10.2f bal=%10.2f (sum_payments=%10.2f re-invested=%10.2f)" % (i+1, payment, bal, sum_payments, future)) if bal <= 0.0: break /pre