算一下我要到有多少存款才能原地退休

最新推荐文章于 2024-09-27 10:11:28 发布

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最新推荐文章于 2024-09-27 10:11:28 发布

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算一下我要到有多少存款才能原地退休

# 以下为有房有车条件下的计算
# 存款
deposit = 5000000
depositInterestRate = 0.04
# 消费
monthlyConsumption = 3000
inflationInterestRatio = 0.05
# 工资（税后月收入）
monthlySalary = 4700
wageGrowthRate = 0.025
workTotalYear = 15
for i in range(26, 61):
    # 每年的工资
    if (i - 26) < workTotalYear:
        yearlySalary = monthlySalary * 13
        monthlySalary = monthlySalary * (1 + wageGrowthRate)
        print(f"{i}岁时，工资收入为{format(yearlySalary, '.2f')}元")
    else:
        yearlySalary = 0

    # 按照4%的年利率计算，每年存款可以获得的盈利
    yearlyIncome = deposit * depositInterestRate
    print(f"{i}岁时，存款盈利为{format(yearlyIncome, '.2f')}元")
    print(f"{i}岁时，当年的总收入为{format(yearlyIncome + yearlySalary, '.2f')}元")
    # 每年的消费
    monthlyConsumption = monthlyConsumption * (1 + inflationInterestRatio)
    yearlyConsumption = monthlyConsumption * 12
    print(f"{i}岁时，年消费为{format(yearlyConsumption, '.2f')}元")

    if (yearlyIncome > yearlyConsumption):
        print(f"{i}岁时，收入比消费多，能活下去！")
    else:
        print(f"{i}岁时，收入比消费少多了，要努力赚钱啊！")

    deposit = deposit + yearlySalary - yearlyConsumption
    deposit = deposit * (1 + depositInterestRate)
    print(f"{i}岁时，年末的剩余存款为{format(deposit, '.2f')}元")
    print("**" * 15)