dash_annuity.ipynb

{
 "cells": [
  {
   "cell_type": "code",
   "execution_count": 1,
   "metadata": {},
   "outputs": [],
   "source": [
    "import numpy as np\n",
    "import pandas as pd\n",
    "import plotly.graph_objs as graph_obj\n",
    "import dash\n",
    "import dash_core_components as dcc\n",
    "import dash_html_components as dhc"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 2,
   "metadata": {},
   "outputs": [],
   "source": [
    "r_inv = 3\n",
    "r_inc = 30\n",
    "r_cap = 20.315\n",
    "age = 30"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 3,
   "metadata": {},
   "outputs": [],
   "source": [
    "def calc_rate(r_inv, r_inc, r_cap, amt, n):\n",
    "    r_0 = np.power(1.0 + r_inv, n)\n",
    "    r_1 = np.power(1.0 + r_inv, n - 1)\n",
    "    r_s = r_0 - np.max([r_0 - 1.0, 0.0]) * r_cap\n",
    "    r_i = r_0 + (r_1 - np.max([r_1 - 1.0, 0.0]) * r_cap) * r_inc\n",
    "    ret = np.power(r_i / r_s, 1.0 / n) - 1.0\n",
    "    delta = amt * (r_i - r_s)\n",
    "    return ret, delta"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 4,
   "metadata": {},
   "outputs": [],
   "source": [
    "def gen_seq(r_inv, r_inc, r_cap, amt, N):\n",
    "    x = []\n",
    "    r = []\n",
    "    a = []\n",
    "    for n in range(N, 60):\n",
    "        res = calc_rate(r_inv, r_inc, r_cap, amt, 60 - n)\n",
    "        x.append(n)\n",
    "        r.append(res[0] * 100.0)\n",
    "        a.append(int(res[1]))\n",
    "    return x, r, a"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": null,
   "metadata": {},
   "outputs": [],
   "source": [
    "app = dash.Dash()\n",
    "app.layout = dhc.Div([\n",
    "    dhc.Div([\n",
    "        dhc.Div('投資収益率 (%)'),\n",
    "        dcc.Input(\n",
    "            id='r_inv',\n",
    "            value=r_inv,\n",
    "            type='number', inputmode='numeric'\n",
    "        ),\n",
    "    ]),\n",
    "    dhc.Div([\n",
    "        dhc.Div('所得税率 + 住民税率 (%)'),\n",
    "        dcc.Input(\n",
    "            id='r_inc',\n",
    "            value=r_inc,\n",
    "            type='number', inputmode='numeric'\n",
    "        ),\n",
    "    ]),\n",
    "    dhc.Div([\n",
    "        dhc.Div('譲渡税率 (%)'),\n",
    "        dcc.Input(\n",
    "            id='r_cap',\n",
    "            value=r_cap,\n",
    "            type='number', inputmode='numeric'\n",
    "        ),\n",
    "    ]),\n",
    "    dhc.Div([\n",
    "        dhc.Div('拠出開始時の年齢'),\n",
    "        dcc.Input(\n",
    "            id='age',\n",
    "            value=age,\n",
    "            type='number', inputmode='numeric'),\n",
    "    ]),\n",
    "    dhc.Div([\n",
    "        dhc.Div('毎月の掛け金'),\n",
    "        dcc.Input(\n",
    "            id='amt',\n",
    "            value=23000,\n",
    "            type='number', inputmode='numeric'),\n",
    "    ]),\n",
    "    dcc.Graph(\n",
    "        id='graph1',\n",
    "        figure={},\n",
    "        style={}\n",
    "    )\n",
    "])\n",
    "@app.callback(\n",
    "    dash.dependencies.Output(component_id='graph1', component_property='figure'),\n",
    "    [\n",
    "        dash.dependencies.Input(component_id='r_inv', component_property='value'),\n",
    "        dash.dependencies.Input(component_id='r_inc', component_property='value'),\n",
    "        dash.dependencies.Input(component_id='r_cap', component_property='value'),\n",
    "        dash.dependencies.Input(component_id='age', component_property='value'),\n",
    "        dash.dependencies.Input(component_id='amt', component_property='value'),\n",
    "    ],\n",
    ")\n",
    "def update_output(input_r_inv, input_r_inc, input_r_cap, input_age, input_amt):\n",
    "    data = []\n",
    "    try:\n",
    "        r_inv = float(input_r_inv) / 100.0\n",
    "        r_inc = float(input_r_inc) / 100.0\n",
    "        r_cap = float(input_r_cap) / 100.0\n",
    "        age = int(input_age)\n",
    "        amt = 12 * int(input_amt)\n",
    "    except ValueError:\n",
    "        age = 60\n",
    "        a = 0\n",
    "    if age < 60:\n",
    "        x, r, a = gen_seq(r_inv, r_inc, r_cap, amt, age)\n",
    "        trace_a = graph_obj.Bar(\n",
    "            x=x, y=a,\n",
    "            name='将来価値'\n",
    "        )\n",
    "        data.append(trace_a)\n",
    "        trace_r = graph_obj.Scatter(\n",
    "            x=x, y=r,\n",
    "            name='収益率',\n",
    "            yaxis='y2'\n",
    "        )\n",
    "        data.append(trace_r)\n",
    "    total = int(np.sum(a) / 10000)\n",
    "    layout = {\n",
    "        'title': f\"iDeCo利用によるお得分の評価 - 将来価値総額: {total}万円\",\n",
    "        'xaxis': {'title': '拠出時年齢'},\n",
    "        'yaxis': {\n",
    "            'title': '将来価値',\n",
    "            'rangemode': 'tozero',\n",
    "            'showgrid': False,\n",
    "        },\n",
    "        'yaxis2': {\n",
    "            'title': '収益率',\n",
    "            'rangemode': 'tozero',\n",
    "            'showgrid': False,\n",
    "            'overlaying': 'y',\n",
    "            'side': 'right',\n",
    "        },\n",
    "    }\n",
    "    return {\n",
    "        'data': data,\n",
    "        'layout': layout,\n",
    "    }"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": null,
   "metadata": {},
   "outputs": [
    {
     "name": "stderr",
     "output_type": "stream",
     "text": [
      " * Running on http://127.0.0.1:8050/ (Press CTRL+C to quit)\n"
     ]
    }
   ],
   "source": [
    "app.run_server()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": null,
   "metadata": {},
   "outputs": [],
   "source": []
  }
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