calculator.ipynb

{
 "cells": [
  {
   "cell_type": "code",
   "execution_count": 1,
   "id": "9022f02b",
   "metadata": {},
   "outputs": [],
   "source": [
    "#pip install ipywidgets matplotlib\n",
    "#pip install dash plotly numpy\n",
    "#pip install"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "5b4edd67",
   "metadata": {},
   "source": [
    "# Main idea (input boxes in python)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 2,
   "id": "1b3b5d7f",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "'import numpy as np\\nimport matplotlib.pyplot as plt\\n\\ndef calculate_loan_repayment(loan_amount, annual_interest_rate, loan_term_years, living_costs, inflation_rate, salary_increase_rate, no_repayment_period):\\n    monthly_interest_rate = annual_interest_rate / 12 / 100\\n    num_payments = loan_term_years * 12\\n    monthly_payment = (loan_amount * monthly_interest_rate) / (1 - (1 + monthly_interest_rate) ** -num_payments)\\n\\n    months = np.arange(num_payments)\\n    balance = loan_amount\\n    balances = []\\n\\n    for month in months:\\n        if month < no_repayment_period:\\n            balance = balance * (1 + monthly_interest_rate)\\n        else:\\n            balance = balance * (1 + monthly_interest_rate) - monthly_payment\\n        balances.append(balance)\\n\\n    fig, ax = plt.subplots()\\n    ax.plot(months, balances, label=\\'Remaining Balance\\')\\n    ax.set_xlabel(\\'Months\\')\\n    ax.set_ylabel(\\'Remaining Balance ($)\\')\\n    ax.set_title(\\'Loan Repayment Schedule\\')\\n    ax.legend()\\n    plt.show()\\n\\n    return monthly_payment, balances\\n\\n# Inputs\\nloan_amount = float(input(\"Enter loan amount: \"))\\nannual_interest_rate = float(input(\"Enter annual interest rate (%): \"))\\nloan_term_years = int(input(\"Enter loan term (years): \"))\\nmonthly_income = float(input(\"Enter monthly income: \"))\\nliving_costs = float(input(\"Enter monthly living costs: \"))\\ninflation_rate = float(input(\"Enter annual inflation rate (%): \"))\\nsalary_increase_rate = float(input(\"Enter annual salary increase rate (%): \"))\\nno_repayment_period = int(input(\"Enter number of months without repayment: \"))\\n\\n# Calculate and display results\\nmonthly_payment, balances = calculate_loan_repayment(\\n    loan_amount, annual_interest_rate, loan_term_years, living_costs, \\n    inflation_rate, salary_increase_rate, no_repayment_period\\n)\\n\\nprint(f\"Monthly Payment: ${monthly_payment:.2f}\")\\n'"
      ]
     },
     "execution_count": 2,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "'''import numpy as np\n",
    "import matplotlib.pyplot as plt\n",
    "\n",
    "def calculate_loan_repayment(loan_amount, annual_interest_rate, loan_term_years, living_costs, inflation_rate, salary_increase_rate, no_repayment_period):\n",
    "    monthly_interest_rate = annual_interest_rate / 12 / 100\n",
    "    num_payments = loan_term_years * 12\n",
    "    monthly_payment = (loan_amount * monthly_interest_rate) / (1 - (1 + monthly_interest_rate) ** -num_payments)\n",
    "\n",
    "    months = np.arange(num_payments)\n",
    "    balance = loan_amount\n",
    "    balances = []\n",
    "\n",
    "    for month in months:\n",
    "        if month < no_repayment_period:\n",
    "            balance = balance * (1 + monthly_interest_rate)\n",
    "        else:\n",
    "            balance = balance * (1 + monthly_interest_rate) - monthly_payment\n",
    "        balances.append(balance)\n",
    "\n",
    "    fig, ax = plt.subplots()\n",
    "    ax.plot(months, balances, label='Remaining Balance')\n",
    "    ax.set_xlabel('Months')\n",
    "    ax.set_ylabel('Remaining Balance ($)')\n",
    "    ax.set_title('Loan Repayment Schedule')\n",
    "    ax.legend()\n",
    "    plt.show()\n",
    "\n",
    "    return monthly_payment, balances\n",
    "\n",
    "# Inputs\n",
    "loan_amount = float(input(\"Enter loan amount: \"))\n",
    "annual_interest_rate = float(input(\"Enter annual interest rate (%): \"))\n",
    "loan_term_years = int(input(\"Enter loan term (years): \"))\n",
    "monthly_income = float(input(\"Enter monthly income: \"))\n",
    "living_costs = float(input(\"Enter monthly living costs: \"))\n",
    "inflation_rate = float(input(\"Enter annual inflation rate (%): \"))\n",
    "salary_increase_rate = float(input(\"Enter annual salary increase rate (%): \"))\n",
    "no_repayment_period = int(input(\"Enter number of months without repayment: \"))\n",
    "\n",
    "# Calculate and display results\n",
    "monthly_payment, balances = calculate_loan_repayment(\n",
    "    loan_amount, annual_interest_rate, loan_term_years, living_costs, \n",
    "    inflation_rate, salary_increase_rate, no_repayment_period\n",
    ")\n",
    "\n",
    "print(f\"Monthly Payment: ${monthly_payment:.2f}\")\n",
    "'''"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 3,
   "id": "c19830c7",
   "metadata": {
    "scrolled": true
   },
   "outputs": [
    {
     "data": {
      "text/html": [
       "\n",
       "        <iframe\n",
       "            width=\"100%\"\n",
       "            height=\"650\"\n",
       "            src=\"http://127.0.0.1:8050/\"\n",
       "            frameborder=\"0\"\n",
       "            allowfullscreen\n",
       "            \n",
       "        ></iframe>\n",
       "        "
      ],
      "text/plain": [
       "<IPython.lib.display.IFrame at 0x1bd40786e50>"
      ]
     },
     "metadata": {},
     "output_type": "display_data"
    }
   ],
   "source": [
    "import dash\n",
    "from dash import dcc, html\n",
    "from dash.dependencies import Input, Output, State\n",
    "import plotly.graph_objects as go\n",
    "import numpy as np\n",
    "import functools\n",
    "\n",
    "# Initialize the Dash app\n",
    "app = dash.Dash(__name__)\n",
    "\n",
    "def create_tooltip(text, tooltip_id):\n",
    "    return html.Span([\n",
    "        html.Span(\"?\",\n",
    "                  className=\"tooltiptext\",\n",
    "                  id=tooltip_id),\n",
    "        html.Div(text, className=\"tooltip\", id=f\"{tooltip_id}-content\")\n",
    "    ], className=\"tooltip-container\")\n",
    "\n",
    "app.layout = html.Div([\n",
    "    html.H1(\"Debt Calculator\"),\n",
    "    \n",
    "    html.Div([\n",
    "        html.Label([\"Salary or income ($/€/£ per month):\", create_tooltip(\"This is the total amount of money you earn or receive each month.\", \"salary_tooltip\")]),\n",
    "        dcc.Input(id='salary_input', type='number', value=3000, step=1)\n",
    "    ], style={'marginBottom': 20, 'marginTop': 20}),\n",
    "    \n",
    "    html.Div([\n",
    "        html.Label([\"Loan Amount ($/€/£):\", create_tooltip(\"This is the total amount of money you borrowed.\", \"loan_tooltip\")]),\n",
    "        dcc.Input(id='loan_amount_input', type='number', value=20000, step=1)\n",
    "    ], style={'marginBottom': 20, 'marginTop': 20}),\n",
    "    \n",
    "    html.Div([\n",
    "        html.Label([\"Annual Interest Rate (%):\", create_tooltip(\"This is the yearly interest rate charged on your loan. (Percentage that adds up on your loan every year)\", \"interest_tooltip\")]),\n",
    "        dcc.Slider(id='interest_rate_slider', min=0.1, max=15, step=0.1, value=5,\n",
    "                   marks={i: f'{i}%' for i in range(1, 16)})\n",
    "    ], style={'marginBottom': 20, 'marginTop': 20}),\n",
    "    \n",
    "    html.Div([\n",
    "        html.Label([\"Choose Payment Method:\", create_tooltip(\"Select whether you want to calculate the monthly payment based on the loan term or enter a desired monthly payment.\", \"payment_method_tooltip\")]),\n",
    "        dcc.RadioItems(\n",
    "            id='payment_method',\n",
    "            options=[\n",
    "                {'label': 'Calculate Monthly Payment (Enter Loan Term)', 'value': 'calculate'},\n",
    "                {'label': 'Enter Desired Monthly Payment', 'value': 'enter'}\n",
    "            ],\n",
    "            value='calculate',\n",
    "            labelStyle={'display': 'inline-block'}\n",
    "        )\n",
    "    ], style={'marginBottom': 20, 'marginTop': 20}),\n",
    "    \n",
    "    html.Div(id='loan_term_input_container', children=[\n",
    "        html.Label([\"Loan Term (years):\", create_tooltip(\"This is the number of years you have to repay the loan.\", \"loan_term_tooltip\")]),\n",
    "        dcc.Input(id='loan_term_input', type='number', value=10, step=1)\n",
    "    ], style={'marginBottom': 20, 'marginTop': 20}),\n",
    "    \n",
    "    html.Div(id='monthly_payment_input_container', children=[\n",
    "        html.Label([\"Desired Monthly Payment ($/€/£):\", create_tooltip(\"This is the amount you want to pay each month to repay the loan.\", \"monthly_payment_tooltip\")]),\n",
    "        dcc.Input(id='monthly_payment_input', type='number', value=None, step=1)\n",
    "    ], style={'marginBottom': 20, 'marginTop': 20}),\n",
    "    \n",
    "    html.Div([\n",
    "        html.Label([\"Living Costs:\", create_tooltip(\"These are your regular expenses.\", \"living_costs_tooltip\")])\n",
    "    ], style={'marginBottom': 20, 'marginTop': 20}),\n",
    "    \n",
    "    html.Div([\n",
    "        html.Label([\"Rent ($/€/£):\", create_tooltip(\"This is the amount you pay for rent each month.\", \"rent_tooltip\")]),\n",
    "        dcc.Slider(id='rent_slider', min=0, max=5000, step=1, value=1000,\n",
    "                   marks={i: f'{i}' for i in range(0, 5001, 500)})\n",
    "    ], style={'marginBottom': 20, 'marginTop': 20}),\n",
    "    \n",
    "    html.Div([\n",
    "        html.Label([\"Groceries ($/€/£):\", create_tooltip(\"This is the amount you spend on groceries each month.\", \"groceries_tooltip\")]),\n",
    "        dcc.Slider(id='groceries_slider', min=0, max=2000, step=1, value=470,\n",
    "                   marks={i: f'{i}' for i in range(0, 2001, 200)})\n",
    "    ], style={'marginBottom': 20, 'marginTop': 20}),\n",
    "    \n",
    "    html.Div([\n",
    "        html.Label([\"Travel/Leisure ($/€/£):\", create_tooltip(\"This is the amount you spend on travel and leisure each month.\", \"travel_tooltip\")]),\n",
    "        dcc.Slider(id='travel_slider', min=0, max=2000, step=50, value=300,\n",
    "                   marks={i: f'{i}' for i in range(0, 2001, 200)})\n",
    "    ], style={'marginBottom': 20, 'marginTop': 20}),\n",
    "    \n",
    "    html.Div([\n",
    "        html.Label([\"Car Insurance ($/€/£):\", create_tooltip(\"This is the amount you pay for car insurance each month.\", \"car_insurance_tooltip\")]),\n",
    "        dcc.Input(id='car_insurance_input', type='number', value=150, step=10),\n",
    "        dcc.Checklist(id='car_insurance_na', options=[{'label': 'Not Applicable', 'value': 'NA'}])\n",
    "    ], style={'marginBottom': 20, 'marginTop': 20}),\n",
    "    \n",
    "    html.Div([\n",
    "        html.Label([\"Health Insurance ($/€/£):\", create_tooltip(\"This is the amount you pay for health insurance each month.\", \"health_insurance_tooltip\")]),\n",
    "        dcc.Input(id='health_insurance_input', type='number', value=400, step=10),\n",
    "        dcc.Checklist(id='health_insurance_na', options=[{'label': 'Not Applicable', 'value': 'NA'}])\n",
    "    ], style={'marginBottom': 20, 'marginTop': 20}),\n",
    "    \n",
    "    html.Div([\n",
    "        html.Label([\"Annual Inflation Rate (%):\", create_tooltip(\"This is the rate at which prices (in the general economy)increase each year. The average is 2.54% since 2000\", \"inflation_tooltip\")]),\n",
    "        dcc.Slider(id='inflation_rate_slider', min=0, max=10, step=0.1, value=2.5,\n",
    "                   marks={i: f'{i}%' for i in range(0, 11)})\n",
    "    ], style={'marginBottom': 20, 'marginTop': 20}),\n",
    "    \n",
    "    html.Div([\n",
    "        html.Label([\"Annual Salary Increase Rate (%):\", create_tooltip(\"This is the rate at which your salary increases each year. Around 7% (in the United States)\", \"salary_increase_tooltip\")]),\n",
    "        dcc.Slider(id='salary_increase_rate_slider', min=0, max=10, step=0.1, value=5,\n",
    "                   marks={i: f'{i}%' for i in range(0, 11)})\n",
    "    ], style={'marginBottom': 20, 'marginTop': 20}),\n",
    "    \n",
    "    html.Div([\n",
    "        html.Label([\"Months Without Repayment:\", create_tooltip(\"This is the number of months you don't have (or want) to make loan repayments.\", \"no_repayment_tooltip\")]),\n",
    "        dcc.Slider(id='no_repayment_period_slider', min=0, max=24, step=1, value=12,\n",
    "                   marks={i: f'{i}' for i in range(0, 25, 3)})\n",
    "    ], style={'marginBottom': 20, 'marginTop': 20}),\n",
    "    \n",
    "    html.Div(id='monthly_payment_display', style={'marginBottom': 20, 'marginTop': 20}),\n",
    "    html.Div(id='loan_term_display', style={'marginBottom': 20, 'marginTop': 20}),\n",
    "    \n",
    "    html.Div([\n",
    "        dcc.Graph(id='loan_repayment_graph')\n",
    "    ], style={'marginBottom': 20, 'marginTop': 20, 'marginLeft': 20, 'marginRight': 20}),\n",
    "    \n",
    "    html.Div([\n",
    "        dcc.Graph(id='expenses_histogram')\n",
    "    ], style={'marginBottom': 20, 'marginTop': 20, 'marginLeft': 20, 'marginRight': 20}),\n",
    "    \n",
    "    html.Div([\n",
    "        dcc.Graph(id='interest_pie_chart')\n",
    "    ], style={'marginBottom': 20, 'marginTop': 20, 'marginLeft': 20, 'marginRight': 20})\n",
    "])\n",
    "\n",
    "# Show or hide loan term or monthly payment input based on payment method\n",
    "@app.callback(\n",
    "    [Output('loan_term_input_container', 'style'),\n",
    "     Output('monthly_payment_input_container', 'style')],\n",
    "    [Input('payment_method', 'value')]\n",
    ")\n",
    "def toggle_payment_method_inputs(payment_method):\n",
    "    if payment_method == 'calculate':\n",
    "        return {'display': 'block'}, {'display': 'none'}\n",
    "    else:\n",
    "        return {'display': 'none'}, {'display': 'block'}\n",
    "\n",
    "@functools.lru_cache(maxsize=128)\n",
    "def calculate_monthly_payment(loan_amount, annual_interest_rate, loan_term_years, no_repayment_period):\n",
    "    if loan_term_years == 0:\n",
    "        return 0, 0\n",
    "    monthly_interest_rate = annual_interest_rate / 12 / 100\n",
    "    num_payments = loan_term_years * 12\n",
    "    if num_payments == no_repayment_period:\n",
    "        return 0, num_payments  # Avoid division by zero\n",
    "    \n",
    "    if no_repayment_period > 0:\n",
    "        adjusted_loan_amount = loan_amount * (1 + monthly_interest_rate) ** no_repayment_period\n",
    "        monthly_payment = (adjusted_loan_amount * monthly_interest_rate) / (1 - (1 + monthly_interest_rate) ** -(num_payments - no_repayment_period))\n",
    "    else:\n",
    "        monthly_payment = (loan_amount * monthly_interest_rate) / (1 - (1 + monthly_interest_rate) ** -num_payments)\n",
    "    return monthly_payment, num_payments\n",
    "\n",
    "@functools.lru_cache(maxsize=128)\n",
    "def calculate_loan_term(loan_amount, monthly_payment, annual_interest_rate, no_repayment_period):\n",
    "    if not monthly_payment or monthly_payment <= 0:\n",
    "        return 0, 0, 0, 0\n",
    "\n",
    "    monthly_interest_rate = annual_interest_rate / 12 / 100\n",
    "    balance = loan_amount * (1 + monthly_interest_rate) ** no_repayment_period\n",
    "    num_payments = no_repayment_period\n",
    "    total_interest_paid = 0\n",
    "    while balance > 0:\n",
    "        interest_for_month = balance * monthly_interest_rate\n",
    "        total_interest_paid += interest_for_month\n",
    "        balance = balance + interest_for_month - monthly_payment\n",
    "        num_payments += 1\n",
    "        if num_payments > 600:  # Break loop if payments exceed 50 years to avoid infinite loop\n",
    "            break\n",
    "    loan_term_years = num_payments // 12\n",
    "    loan_term_months = num_payments % 12\n",
    "    return loan_term_years, loan_term_months, total_interest_paid, num_payments\n",
    "\n",
    "@functools.lru_cache(maxsize=128)\n",
    "def calculate_balances(loan_amount, monthly_payment, annual_interest_rate, no_repayment_period, num_payments):\n",
    "    monthly_interest_rate = annual_interest_rate / 12 / 100\n",
    "    balance = loan_amount\n",
    "    balances = []\n",
    "    total_interest_paid = 0\n",
    "\n",
    "    for month in range(num_payments):\n",
    "        if month < no_repayment_period:\n",
    "            balance = balance * (1 + monthly_interest_rate)\n",
    "        else:\n",
    "            interest_for_month = balance * monthly_interest_rate\n",
    "            total_interest_paid += interest_for_month\n",
    "            balance = balance + interest_for_month - monthly_payment\n",
    "        balances.append(balance)\n",
    "    \n",
    "    return balances, total_interest_paid\n",
    "\n",
    "# Define the callback to update the graph and monthly payment\n",
    "@app.callback(\n",
    "    [Output('loan_repayment_graph', 'figure'),\n",
    "     Output('monthly_payment_display', 'children'),\n",
    "     Output('loan_term_display', 'children'),\n",
    "     Output('expenses_histogram', 'figure'),\n",
    "     Output('interest_pie_chart', 'figure')],\n",
    "    [Input('salary_input', 'value'),\n",
    "     Input('loan_amount_input', 'value'),\n",
    "     Input('interest_rate_slider', 'value'),\n",
    "     Input('payment_method', 'value'),\n",
    "     Input('loan_term_input', 'value'),\n",
    "     Input('monthly_payment_input', 'value'),\n",
    "     Input('rent_slider', 'value'),\n",
    "     Input('groceries_slider', 'value'),\n",
    "     Input('travel_slider', 'value'),\n",
    "     Input('car_insurance_input', 'value'),\n",
    "     Input('car_insurance_na', 'value'),\n",
    "     Input('health_insurance_input', 'value'),\n",
    "     Input('health_insurance_na', 'value'),\n",
    "     Input('inflation_rate_slider', 'value'),\n",
    "     Input('salary_increase_rate_slider', 'value'),\n",
    "     Input('no_repayment_period_slider', 'value')]\n",
    ")\n",
    "def update_graph(salary, loan_amount, annual_interest_rate, payment_method, loan_term_years, monthly_payment, rent, groceries, travel, car_insurance, car_insurance_na, health_insurance, health_insurance_na, inflation_rate, salary_increase_rate, no_repayment_period):\n",
    "    try:\n",
    "        # Check if car insurance or health insurance are not applicable\n",
    "        if car_insurance_na and 'NA' in car_insurance_na:\n",
    "            car_insurance = 0\n",
    "        if health_insurance_na and 'NA' in health_insurance_na:\n",
    "            health_insurance = 0\n",
    "\n",
    "        # Ensure none of the inputs are None or invalid\n",
    "        rent = rent or 0\n",
    "        groceries = groceries or 0\n",
    "        travel = travel or 0\n",
    "        car_insurance = car_insurance or 0\n",
    "        health_insurance = health_insurance or 0\n",
    "        loan_term_years = loan_term_years or 1  # default to 1 year if invalid\n",
    "        if monthly_payment is None:\n",
    "            monthly_payment = 0\n",
    "\n",
    "        living_costs = rent + groceries + travel + car_insurance + health_insurance\n",
    "\n",
    "        if payment_method == 'calculate':\n",
    "            if loan_term_years == 0:\n",
    "                monthly_payment = 0\n",
    "                num_payments = 0\n",
    "                loan_term_months = 0\n",
    "            else:\n",
    "                monthly_payment, num_payments = calculate_monthly_payment(loan_amount, annual_interest_rate, loan_term_years, no_repayment_period)\n",
    "                loan_term_months = 0  # No additional months if term is given directly\n",
    "        else:\n",
    "            if monthly_payment == 0:\n",
    "                loan_term_years = 0\n",
    "                loan_term_months = 0\n",
    "                total_interest_paid = 0\n",
    "                num_payments = 0\n",
    "            else:\n",
    "                loan_term_years, loan_term_months, total_interest_paid, num_payments = calculate_loan_term(loan_amount, monthly_payment, annual_interest_rate, no_repayment_period)\n",
    "\n",
    "        if payment_method == 'enter' and monthly_payment > 0 and loan_term_years == 0 and loan_term_months == 0:\n",
    "            return (go.Figure(), \n",
    "                    html.Div(\"You cannot afford this monthly payment.\", style={'fontWeight': 'bold', 'fontSize': '20px', 'color': 'red'}),\n",
    "                    html.Div(\"Loan Term: N/A\", style={'fontWeight': 'bold', 'fontSize': '20px'}),\n",
    "                    go.Figure(), \n",
    "                    go.Figure())\n",
    "\n",
    "        balances, total_interest_paid = calculate_balances(loan_amount, monthly_payment, annual_interest_rate, no_repayment_period, num_payments)\n",
    "\n",
    "        if len(balances) == 0:\n",
    "            months = np.array([0])\n",
    "            balances = [0]\n",
    "        else:\n",
    "            months = np.arange(num_payments)\n",
    "        \n",
    "        fig = go.Figure()\n",
    "        fig.add_trace(go.Scatter(x=months, y=balances, mode='lines', name='Remaining Balance'))\n",
    "        fig.update_layout(title='Loan Repayment Schedule',\n",
    "                          xaxis_title='Months',\n",
    "                          yaxis_title='Remaining Balance ($/€/£)')\n",
    "        \n",
    "        if len(months) > 0:\n",
    "            fig.update_xaxes(range=[0, max(months)])\n",
    "            fig.add_shape(type=\"line\",\n",
    "                          x0=max(months),\n",
    "                          y0=0,\n",
    "                          x1=max(months),\n",
    "                          y1=balances[-1],\n",
    "                          line=dict(color=\"Red\", dash=\"dash\"))\n",
    "\n",
    "        if monthly_payment > 0 and salary - living_costs - monthly_payment < 0:\n",
    "            monthly_payment_display = html.Div(f\"Monthly Payment ($/€/£): {monthly_payment:.2f} (You cannot afford this payment with your current income and expenses.)\", style={'fontWeight': 'bold', 'fontSize': '20px', 'color': 'red'})\n",
    "        else:\n",
    "            monthly_payment_display = html.Div(f\"Monthly Payment ($/€/£): {monthly_payment:.2f}\", style={'fontWeight': 'bold', 'fontSize': '20px'})\n",
    "        \n",
    "        loan_term_display = html.Div(f\"Loan Term: {loan_term_years} years and {loan_term_months} months\", style={'fontWeight': 'bold', 'fontSize': '20px'})\n",
    "\n",
    "        # Calculate yearly expenses adjusted for inflation\n",
    "        years = np.arange(1, loan_term_years + 1)\n",
    "        yearly_expenses = {\n",
    "            'Rent': [rent * 12 * (1 + inflation_rate / 100) ** (year - 1) for year in years],\n",
    "            'Groceries': [groceries * 12 * (1 + inflation_rate / 100) ** (year - 1) for year in years],\n",
    "            'Travel/Leisure': [travel * 12 * (1 + inflation_rate / 100) ** (year - 1) for year in years],\n",
    "            'Car Insurance': [car_insurance * 12 * (1 + inflation_rate / 100) ** (year - 1) for year in years],\n",
    "            'Health Insurance': [health_insurance * 12 * (1 + inflation_rate / 100) ** (year - 1) for year in years],\n",
    "            'Loan Repayment': [monthly_payment * 12 for _ in years]\n",
    "        }\n",
    "\n",
    "        # Calculate remaining salary after expenses, adjusted for salary increase\n",
    "        yearly_salary = [salary * 12 * (1 + salary_increase_rate / 100) ** (year - 1) for year in years]\n",
    "        remaining_salary = [yearly_salary[year - 1] - sum(expense[year - 1] for expense in yearly_expenses.values()) for year in years]\n",
    "\n",
    "        # Create traces for the histogram\n",
    "        expense_traces = [\n",
    "            go.Bar(name=label, x=years, y=values)\n",
    "            for label, values in yearly_expenses.items()\n",
    "        ]\n",
    "        salary_trace = go.Bar(name='Remaining Salary', x=years, y=remaining_salary)\n",
    "\n",
    "        expense_histogram = go.Figure(data=expense_traces + [salary_trace])\n",
    "        expense_histogram.update_layout(barmode='stack', title='Yearly Expenses Breakdown (with inflation)',\n",
    "                                        xaxis_title='Years', yaxis_title='Amount ($/€/£)')\n",
    "\n",
    "        # Create a pie chart for interest and principal\n",
    "        total_principal_paid = loan_amount\n",
    "        fig_pie = go.Figure(data=[go.Pie(labels=['Principal', 'Interest'],\n",
    "                                         values=[total_principal_paid, total_interest_paid],\n",
    "                                         hole=.3)])\n",
    "        fig_pie.update_layout(title='Proportion of Principal and Interest Paid')\n",
    "        \n",
    "        return fig, monthly_payment_display, loan_term_display, expense_histogram, fig_pie\n",
    "\n",
    "    except Exception as e:\n",
    "        print(f\"Error: {e}\")\n",
    "        # Return empty figures and default text in case of error\n",
    "        return (go.Figure(), \n",
    "                html.Div(\"Monthly Payment: N/A\", style={'fontWeight': 'bold', 'fontSize': '20px'}),\n",
    "                html.Div(\"Loan Term: N/A\", style={'fontWeight': 'bold', 'fontSize': '20px'}),\n",
    "                go.Figure(), \n",
    "                go.Figure())\n",
    "\n",
    "# Run the app\n",
    "if __name__ == '__main__':\n",
    "    app.run_server(debug=True)\n",
    "\n",
    "# Additional CSS for tooltips\n",
    "app.index_string = '''\n",
    "<!DOCTYPE html>\n",
    "<html>\n",
    "    <head>\n",
    "        <title>Debt Calculator</title>\n",
    "        <style>\n",
    "            .tooltip-container {\n",
    "                position: relative;\n",
    "                display: inline-block;\n",
    "            }\n",
    "            .tooltip {\n",
    "                display: none;\n",
    "                position: absolute;\n",
    "                background-color: white;\n",
    "                border: 1px solid black;\n",
    "                padding: 5px;\n",
    "                z-index: 10;\n",
    "                width: 200px;\n",
    "                bottom: 125%;\n",
    "                left: 50%;\n",
    "                margin-left: -100px;\n",
    "            }\n",
    "            .tooltip-container:hover .tooltip {\n",
    "                display: block;\n",
    "            }\n",
    "            .tooltip-container .tooltiptext {\n",
    "                color: white;\n",
    "                background-color: blue;\n",
    "                border-radius: 50%;\n",
    "                padding: 5px;\n",
    "                cursor: pointer;\n",
    "                display: inline-block;\n",
    "                width: 20px;\n",
    "                height: 20px;\n",
    "                text-align: center;\n",
    "                line-height: 20px;\n",
    "            }\n",
    "        </style>\n",
    "    </head>\n",
    "    <body>\n",
    "        <div id=\"react-entry-point\">\n",
    "            {%app_entry%}\n",
    "        </div>\n",
    "        <footer>\n",
    "            {%config%}\n",
    "            {%scripts%}\n",
    "            {%renderer%}\n",
    "        </footer>\n",
    "    </body>\n",
    "</html>\n",
    "'''\n"
   ]
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