Add financial calculation utilities to standard library / by Ai test

[kenjiboom]

Feature Request: Financial Calculations Module

Summary

Add a comprehensive financial calculations module to the Rust standard library to support common financial operations and calculations.

Motivation

Financial calculations are a common requirement in many applications, from personal finance tools to enterprise banking systems. Having standardized, well-tested financial calculation utilities in the standard library would:

• Ensure consistency and accuracy in financial computations
• Reduce the need for external dependencies
• Provide a reliable foundation for financial applications written in Rust

Proposed Implementation

Add a new module std::finance (or similar) that includes:

Core Financial Functions

• Present Value (PV)
• Future Value (FV)
• Net Present Value (NPV)
• Internal Rate of Return (IRR)
• Compound Interest calculations
• Amortization schedules

Money Type

• A decimal-based Money type that handles currency calculations without floating-point errors
• Support for different currency representations
• Basic arithmetic operations with proper rounding

Additional Features

• Interest rate conversions (APR to APY, etc.)
• Payment calculations (PMT)
• Loan amortization utilities
• Basic investment portfolio calculations

Benefits

1. Improves financial accuracy in Rust applications
2. Reduces duplication of effort across projects
3. Provides a standard way to handle common financial calculations
4. Enhances Rust's appeal for financial software development

Questions

1. Should this be part of std or a separate crate in the rust-lang organization?
2. What should be the minimum set of financial functions to include?
3. How should we handle different currency formats and conversions?
4. What precision guarantees should we provide?

Next Steps

1. Gather feedback from the community on the scope
2. Create detailed specifications for each proposed function
3. Implement proof-of-concept with comprehensive test cases
4. Document all functions with clear examples and use cases

[VorpalBlade]

Rust doesn't have matrices and linear algebra in std either, and those are far more common than financial calculations. I don't believe this belongs in std, but a de facto standard library could easily be developed (if one doesn't already exist). I don't see why it would benefit from being in std.

Rust_decimal seems to already be the defacto crate for decimal numbers.

You also didn't list drawbacks. Such as:

• More maintenance cost for rust core devs to support a niche use case.
• Std is stable forever, this limits innovation.

[workingjubilee]

No.

[workingjubilee]

If this is by any chance a serious post by an actual human, consider filing an ACP with the libs team.

[jieyouxu]

In case this issue is created by a real human, do not test your "AI" against the issue tracker.