Update app.py

app.py

@@ -3,28 +3,26 @@ import numpy as np
 import numpy_financial as npf
 import pandas as pd
 import matplotlib.pyplot as plt
-from matplotlib.backends.backend_pdf import PdfPages
-import tempfile
-import os
 
 def amortization_report(principal, rate_percent, periods):
-    rate = rate_percent / 100
-
-    # Calculate amortization components
+    """
+    Generate and return an amortization schedule with plots.
+    """
+    rate = rate_percent / 100  # Convert from percent to decimal
     payment = -npf.pmt(rate, periods, principal)
-    interest = -npf.ipmt(rate, np.arange(1, periods + 1), periods, principal)
-    principal_paid = -npf.ppmt(rate, np.arange(1, periods + 1), periods, principal)
+    interest = -npf.ipmt(rate, range(1, periods + 1), periods, principal)
+    principal_paid = -npf.ppmt(rate, range(1, periods + 1), periods, principal)
     balance = principal - principal_paid.cumsum()
 
     df = pd.DataFrame({
-        'Year': np.arange(1, periods + 1),
-        'Payment': np.full(periods, round(payment, 2)),
+        'Year': range(1, periods + 1),
+        'Payment': [round(payment, 2)] * periods,
         'Interest': interest.round(2),
         'Principal': principal_paid.round(2),
         'Balance': balance.round(2)
     })
 
-    # Generate chart
+    # Plot
     fig, axs = plt.subplots(1, 2, figsize=(12, 5))
 
     axs[0].plot(df['Year'], df['Interest'], label='Interest', color='red', marker='o')
@@ -43,41 +41,21 @@ def amortization_report(principal, rate_percent, periods):
     axs[1].legend()
 
     plt.tight_layout()
+    return df, fig
 
-    # Save outputs to temporary files
-    with tempfile.TemporaryDirectory() as tmpdir:
-        # Excel
-        excel_path = os.path.join(tmpdir, "amortization_schedule.xlsx")
-        df.to_excel(excel_path, index=False)
-
-        # PNG
-        png_path = os.path.join(tmpdir, "amortization_chart.png")
-        fig.savefig(png_path)
-
-        # PDF
-        pdf_path = os.path.join(tmpdir, "amortization_report.pdf")
-        with PdfPages(pdf_path) as pdf:
-            pdf.savefig(fig)
-
-        return df, fig, excel_path, png_path, pdf_path
-
-# Gradio Interface
 demo = gr.Interface(
     fn=amortization_report,
     inputs=[
-        gr.Number(label="Principal", value=100000),
+        gr.Number(label="Loan Amount (Principal)", value=100000),
         gr.Number(label="Annual Interest Rate (%)", value=5.00, precision=2),
         gr.Number(label="Number of Periods (Years)", value=10)
     ],
     outputs=[
-        gr.Dataframe(label="Amortization Table"),
-        gr.Plot(label="Amortization Charts"),
-        gr.File(label="Download Excel (.xlsx)"),
-        gr.File(label="Download Chart (.png)"),
-        gr.File(label="Download Full Report (.pdf)")
+        gr.Dataframe(label="Amortization Schedule"),
+        gr.Plot(label="Payment Charts")
     ],
-    title="Amortization Report",
-    description="Enter loan details to generate an amortization schedule and visualize interest, principal, and balance over time. Download results as Excel, PNG, or PDF."
+    title="📊 Amortization Report",
+    description="Enter your loan details to view the amortization schedule and payment breakdown over time."
 )
 
 if __name__ == "__main__":