Upload 14 files

interface/portfolio_rebalancing_interface.py

@@ -9,7 +9,7 @@ def portfolio_rebalancing_interface_fn(main_currency, holdings, cash_amount, cas
 
 currency_codes = get_currency_codes()
 examples = [
-    ["KRW", "458730 KRW 580 8,\n368590 KRW 80 2", 7977, 0],
+    ["KRW", "458730 KRW 580 8,\n368590 KRW 80 2", 507977, 0],
     ["KRW", "SCHD USD 500 8,\nQQQ USD 200 2", 0, 15]
     ]
 

interface/retirement_planning_interface.py

@@ -2,8 +2,8 @@ import gradio as gr
 from modules.utils import load_css
 from modules.retirement_planning import retirement_planning
 
-def retirement_planning_interface_fn(current_age, retirement_age, current_investment, monthly_investment, pre_retirement_roi, post_retirement_roi, pre_retirement_dividend_yield, post_retirement_dividend_yield, reinvest_dividends, life_expectancy):
-    result = retirement_planning(current_age, retirement_age, current_investment, monthly_investment, pre_retirement_roi, post_retirement_roi, pre_retirement_dividend_yield, post_retirement_dividend_yield, reinvest_dividends, life_expectancy)
+def retirement_planning_interface_fn(current_age, retirement_age, current_investment, monthly_investment, pre_retirement_roi, post_retirement_roi, pre_retirement_dividend_yield, post_retirement_dividend_yield, reinvest_dividends, life_expectancy, monthly_expenses, inflation_rate):
+    result = retirement_planning(current_age, retirement_age, current_investment, monthly_investment, pre_retirement_roi, post_retirement_roi, pre_retirement_dividend_yield, post_retirement_dividend_yield, reinvest_dividends, life_expectancy, monthly_expenses, inflation_rate)
     css = load_css()
     return css + result
 
@@ -17,11 +17,13 @@ retirement_planning_inputs = [
     gr.Number(label="Expected Dividend Yield (Pre-retirement) (%)", value=3.3),
     gr.Number(label="Expected Dividend Yield (Post-retirement) (%)", value=3.3),
     gr.Checkbox(label="Reinvest Dividends", value=True),
-    gr.Slider(label="Life Expectancy (Upto 100 Years)", value=80, minimum=30, maximum=100, step=1)
+    gr.Slider(label="Life Expectancy (Upto 100 Years)", value=80, minimum=30, maximum=100, step=1),
+    gr.Number(label="Monthly Expenses", value=2000000),
+    gr.Number(label="Inflation Rate (%)", value=2)
 ]
 
 output = gr.HTML()
 
 # Define the update function
-def update_output(current_age, retirement_age, current_investment, monthly_investment, pre_retirement_roi, post_retirement_roi, pre_retirement_dividend_yield, post_retirement_dividend_yield, reinvest_dividends, life_expectancy):
-    return retirement_planning_interface_fn(current_age, retirement_age, current_investment, monthly_investment, pre_retirement_roi, post_retirement_roi, pre_retirement_dividend_yield, post_retirement_dividend_yield, reinvest_dividends, life_expectancy)
+def update_output(current_age, retirement_age, current_investment, monthly_investment, pre_retirement_roi, post_retirement_roi, pre_retirement_dividend_yield, post_retirement_dividend_yield, reinvest_dividends, life_expectancy, monthly_expenses, inflation_rate):
+    return retirement_planning_interface_fn(current_age, retirement_age, current_investment, monthly_investment, pre_retirement_roi, post_retirement_roi, pre_retirement_dividend_yield, post_retirement_dividend_yield, reinvest_dividends, life_expectancy, monthly_expenses, inflation_rate)

modules/retirement_planning.py

@@ -1,6 +1,10 @@
+import matplotlib.pyplot as plt
+import pandas as pd
+from io import BytesIO
+import base64
 from modules.utils import load_css
 
-def retirement_planning(current_age=None, retirement_age=None, current_investment=None, monthly_investment=None, pre_retirement_roi=None, post_retirement_roi=None, pre_retirement_dividend_yield=None, post_retirement_dividend_yield=None, reinvest_dividends=False, life_expectancy=None):
+def retirement_planning(current_age=None, retirement_age=None, current_investment=None, monthly_investment=None, pre_retirement_roi=None, post_retirement_roi=None, pre_retirement_dividend_yield=None, post_retirement_dividend_yield=None, reinvest_dividends=False, life_expectancy=None, monthly_expenses=None, inflation_rate=None):
     # NoneType일 때 0으로 처리
     current_age = current_age if current_age is not None else 0
     retirement_age = retirement_age if retirement_age is not None else 0
@@ -11,6 +15,8 @@ def retirement_planning(current_age=None, retirement_age=None, current_investmen
     pre_retirement_dividend_yield = pre_retirement_dividend_yield if pre_retirement_dividend_yield is not None else 0
     post_retirement_dividend_yield = post_retirement_dividend_yield if post_retirement_dividend_yield is not None else 0
     life_expectancy = life_expectancy if life_expectancy is not None else 0
+    monthly_expenses = monthly_expenses if monthly_expenses is not None else 0
+    inflation_rate = inflation_rate if inflation_rate is not None else 0
 
     # 은퇴 전후의 년 수 계산
     years_to_retirement = retirement_age - current_age
@@ -23,6 +29,7 @@ def retirement_planning(current_age=None, retirement_age=None, current_investmen
     monthly_return_pre = (1 + pre_retirement_roi / 100) ** (1 / 12) - 1
 
     # 은퇴 시점의 투자 계산
+    investment_over_time = []
     for year in range(years_to_retirement):
         for month in range(12):
             # 월간 투자액과 이자율을 적용하여 총 투자액 갱신
@@ -30,6 +37,7 @@ def retirement_planning(current_age=None, retirement_age=None, current_investmen
             # 배당금을 재투자할 경우 배당금 추가
             if reinvest_dividends:
                 total_investment += total_investment * (pre_retirement_dividend_yield / 100 / 12)
+        investment_over_time.append((current_age + year + 1, total_investment))
 
     # 은퇴 시작 시점의 총 투자액과 연간 배당 수익 저장
     investment_at_retirement = total_investment
@@ -53,9 +61,37 @@ def retirement_planning(current_age=None, retirement_age=None, current_investmen
         # 각 연도별 투자와 배당 수익을 리스트에 추가
         post_retirement_investments.append((retirement_age + year, total_investment, annual_dividend_income, monthly_dividend_income))
 
+    # 물가상승률을 반영한 월 목표 생활비 계산
+    adjusted_monthly_expenses = [monthly_expenses * ((1 + inflation_rate / 100) ** year) for year in range(post_retirement_years + 1)]
+
+    # 데이터 프레임으로 변환
+    df = pd.DataFrame(post_retirement_investments, columns=['Age', 'SAVINGS', 'Annual Dividend', 'Monthly Dividend'])
+    df['Monthly Expenses'] = adjusted_monthly_expenses
+
+    # 그래프 생성
+    plt.figure(figsize=(10, 6))
+    plt.plot(df['Age'], df['Monthly Dividend'], label='Monthly Dividend')
+    plt.plot(df['Age'], df['Monthly Expenses'], label='Monthly Expenses', linestyle='--')
+    plt.xlabel('Age')
+    plt.ylabel('Amount')
+    plt.title('Monthly Dividend vs Monthly Expenses (Adjusted for Inflation)')
+    plt.legend()
+    plt.grid(True)
+
+    # 그래프를 이미지로 변환
+    buffer = BytesIO()
+    plt.savefig(buffer, format='png')
+    buffer.seek(0)
+    img_str = base64.b64encode(buffer.read()).decode('utf-8')
+    plt.close()
+
     # style.css에서 CSS 읽기
     css = load_css()
 
+    # CSV 데이터 생성
+    csv_data = df.to_csv(index=False)
+    csv_base64 = base64.b64encode(csv_data.encode()).decode()
+
     # 은퇴 계획에 대한 HTML 결과 생성
     result_html = css + f"""
     <div class="wrap-text" style="box-shadow: 0 0.25rem 0.5rem rgba(0, 0, 0, 0.1); border-radius: 0.5rem; padding: 3rem; position: relative; width: 100%; padding: 1.5rem;">
@@ -81,8 +117,14 @@ def retirement_planning(current_age=None, retirement_age=None, current_investmen
                 <hr style="margin: 1.5rem 0;">
             </div>
         </div>
+        <div>
+            <img src="data:image/png;base64,{img_str}" alt="Monthly Dividend vs Monthly Expenses (Adjusted for Inflation)" style="max-width: 100%; height: auto;"/>
+        </div>
+    </div>
+    <div style="display: flex; align-items: center; justify-content: space-between;">
+        <h3>Dividend Income After Retirement</h3>
+        <a href="data:text/csv;base64,{csv_base64}" download="retirement_planning.csv" style="padding: 10px 20px; border: 1px solid; border-radius: 5px; background-color: #1678fb; color: white; text-decoration: none;">Download CSV</a>
     </div>
-    <h3>Dividend Income After Retirement</h3>
     <div class='table-container'>
         <table>
             <thead>
@@ -91,19 +133,21 @@ def retirement_planning(current_age=None, retirement_age=None, current_investmen
                     <th>SAVINGS</th>
                     <th>Annual</th>
                     <th>Monthly</th>
+                    <th>Expenses</th>
                 </tr>
             </thead>
             <tbody>
     """
     
     # 각 연도별 투자와 배당 수익을 테이블에 추가
-    for age, investment, annual_dividend_income, monthly_dividend_income in post_retirement_investments:
+    for age, investment, annual_dividend_income, monthly_dividend_income, monthly_exp in zip(df['Age'], df['SAVINGS'], df['Annual Dividend'], df['Monthly Dividend'], df['Monthly Expenses']):
         result_html += f"""
                 <tr>
                     <td>{age}</td>
                     <td>{investment:,.0f}</td>
                     <td>{annual_dividend_income:,.0f}</td>
                     <td>{monthly_dividend_income:,.0f}</td>
+                    <td>{monthly_exp:,.0f}</td>
                 </tr>
         """
 

style.css

@@ -142,6 +142,7 @@
     }
 }
 
+/* 기본 테이블 스타일 */
 .table-container {
     width: 100%;
     overflow: auto;
@@ -163,12 +164,9 @@
     background-color: var(--background-color-light);
 }
 
-.table-container tr:hover td {
-    background: #e7f9ef;
-}
-
 .table-container th {
     background-color: var(--highlight-color-light);
+    color: var(--header-color-light); /* 라이트 모드에서 타이틀 색상을 설정 */
     position: sticky;
     top: 0;
     z-index: 2;
@@ -185,6 +183,16 @@
     z-index: 3;
 }
 
+/* 마우스오버 효과 */
+.table-container tr:hover td {
+    background: #e7f9ef;
+    color: #000;
+    border: 1px solid #4caf50;
+    transform: scale(1.02);
+    transition: all 0.3s ease;
+}
+
+/* 어두운 테마 적용 */
 @media (prefers-color-scheme: dark) {
     .table-container {
         border: 1px hidden #444;
@@ -209,5 +217,14 @@
     .table-container tr:hover td {
         background: #e7f9ef;
         color: #000;
+        border: 1px solid #4caf50;
+        transform: scale(1.02);
+        transition: all 0.3s ease;
     }
 }
+
+/* 추가적인 마우스오버 효과 */
+.table-container tr:hover td {
+    text-shadow: 1px 1px 2px rgba(0, 0, 0, 0.2);
+    cursor: pointer;
+}