养老金计算

def calculate_pension(base_salary, years_paid, average_index=1):
    # 基础养老金
    basic_pension = (base_salary*(1+0.04)**years_paid * (1 + average_index)) / 2 * years_paid * 0.01

    # 个人账户养老金
    individual_ratio = 0.08  # 假设个人缴费比例为8%
    annual_interest_rate = 0.03  # 年利率为3%
    individual_account_total = 0
    total_pay=0

    # 计算个人账户累计储存额（考虑复利）
    for year in range(years_paid):
        individual_account_total += base_salary*(1+0.04)**year* average_index * individual_ratio*12 * (1 + annual_interest_rate) ** (years_paid-year)

    for year in range(years_paid):
        total_pay += base_salary*(1+0.04)**year* average_index * (individual_ratio+0.12)*12 * (1 + 0.02) ** (years_paid-year)

    # 计发月数（60岁退休为139个月）
    months_to_pay = 139
    individual_pension = individual_account_total / months_to_pay

    # 总养老金
    total_pension = basic_pension + individual_pension

    return basic_pension, individual_pension, total_pension,total_pay

# 示例输入
base_salary = 11000  # 元/月
years_paid = 30  # 年

# 计算养老金
basic_pension, individual_pension, total_pension,total_pay = calculate_pension(base_salary=base_salary, years_paid=years_paid,average_index=3)

# 输出结果
print(f"基础养老金: {basic_pension:.2f} 元/月")
print(f"个人账户养老金: {individual_pension:.2f} 元/月")
print(f"总养老金: {total_pension:.2f} 元/月")
print(f"总缴费: {total_pay:.2f} 元")