pension_calculator.py

CURRENT_AGE = 27
BLOOMBERG_MULTIPLICATION_RATE = 2
ESTIMATED_INFLATION_RATE = 0.03
TAX_FREE_AMOUNT = 0.25
ESTIMATED_TAX_VALUE = 0.35
ANUAL_INVESTMENT = 10000

def years_until_retirement():
    return 55 - CURRENT_AGE

def total_investment():
    return ANUAL_INVESTMENT * BLOOMBERG_MULTIPLICATION_RATE * years_until_retirement()

def lump_sum():
    return TAX_FREE_AMOUNT * total_investment()

def taxable_income():
    return total_investment() - lump_sum()

def take_home_after_tax():
    return taxable_income() - ESTIMATED_TAX_VALUE * taxable_income()

def adjusted_to_inflatio_rate():
    return (1 - ESTIMATED_INFLATION_RATE) ** years_until_retirement() * take_home_after_tax()

result = (
    f"Starting investing at {CURRENT_AGE}, investing {ANUAL_INVESTMENT:,} per year\n"
    f"when Bloomberg is having a multiplication rate of {BLOOMBERG_MULTIPLICATION_RATE:,}\n"
    f"total investment is {total_investment():,} from which tax free {lump_sum():,} \n"
    f"taxable income is {taxable_income():,} and take home after tax {take_home_after_tax():,}\n"
    f"and after adjusting to inflatio rate {adjusted_to_inflatio_rate():,}"
)
print(result)