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| import pandas as pd | |
| from datetime import datetime | |
| from typing import Optional, Dict, Any, List | |
| from app.models.goal_models import SIPCalculationRequest, SIPCalculationResponse, RequiredSIPRequest, RequiredSIPResponse | |
| class SIPCalculator: | |
| """Calculate SIP returns and goal-based investments""" | |
| def calculate_sip_maturity(monthly_amount: float, annual_return: float, years: int) -> float: | |
| """Calculate SIP maturity amount""" | |
| if annual_return == 0: | |
| return monthly_amount * years * 12 | |
| monthly_return = annual_return / 12 / 100 | |
| months = years * 12 | |
| maturity_amount = monthly_amount * ( | |
| ((1 + monthly_return) ** months - 1) / monthly_return | |
| ) * (1 + monthly_return) | |
| return maturity_amount | |
| def calculate_required_sip(target_amount: float, years: int, expected_return: float) -> float: | |
| """Calculate required SIP amount for a target""" | |
| if expected_return == 0: | |
| return target_amount / (years * 12) | |
| monthly_return = expected_return / 12 / 100 | |
| months = years * 12 | |
| required_sip = target_amount / ( | |
| ((1 + monthly_return) ** months - 1) / monthly_return | |
| ) / (1 + monthly_return) | |
| return required_sip | |
| def calculate_fund_returns(nav_data: pd.DataFrame, investment_amount: float, | |
| start_date: datetime, end_date: datetime) -> Optional[Dict[str, Any]]: | |
| """Calculate returns for a fund investment""" | |
| try: | |
| filtered_data = nav_data[ | |
| (nav_data['date'] >= pd.to_datetime(start_date)) & | |
| (nav_data['date'] <= pd.to_datetime(end_date)) | |
| ] | |
| if len(filtered_data) < 2: | |
| return None | |
| start_nav = filtered_data.iloc[0]['nav'] | |
| end_nav = filtered_data.iloc[-1]['nav'] | |
| units = investment_amount / start_nav | |
| final_value = units * end_nav | |
| total_return = ((final_value - investment_amount) / investment_amount) * 100 | |
| return { | |
| 'start_nav': start_nav, | |
| 'end_nav': end_nav, | |
| 'units': units, | |
| 'final_value': final_value, | |
| 'total_return': total_return, | |
| 'investment_amount': investment_amount | |
| } | |
| except Exception as e: | |
| print(f"Error calculating returns: {e}") | |
| return None | |
| def get_sip_calculation(request: SIPCalculationRequest, include_yearly_breakdown: bool = False) -> SIPCalculationResponse: | |
| """Get SIP calculation with optional yearly breakdown""" | |
| maturity_amount = SIPCalculator.calculate_sip_maturity( | |
| request.monthly_amount, request.annual_return, request.years | |
| ) | |
| total_invested = request.monthly_amount * request.years * 12 | |
| gains = maturity_amount - total_invested | |
| return_multiple = maturity_amount / total_invested if total_invested > 0 else 0 | |
| yearly_breakdown = None | |
| if include_yearly_breakdown: | |
| yearly_breakdown = [] | |
| invested_cumulative = 0 | |
| for year in range(1, request.years + 1): | |
| maturity_year = SIPCalculator.calculate_sip_maturity( | |
| request.monthly_amount, request.annual_return, year | |
| ) | |
| invested_year = request.monthly_amount * year * 12 | |
| yearly_breakdown.append({ | |
| 'Year': year, | |
| 'Invested': invested_year, | |
| 'Maturity Value': maturity_year, | |
| 'Gains': maturity_year - invested_year | |
| }) | |
| return SIPCalculationResponse( | |
| maturity_amount=maturity_amount, | |
| total_invested=total_invested, | |
| gains=gains, | |
| return_multiple=return_multiple, | |
| yearly_breakdown=yearly_breakdown | |
| ) | |
| def get_required_sip(request: RequiredSIPRequest) -> RequiredSIPResponse: | |
| """Get required SIP amount for a target""" | |
| required_sip = SIPCalculator.calculate_required_sip( | |
| request.target_amount, request.years, request.expected_return | |
| ) | |
| return RequiredSIPResponse(required_sip=required_sip) |