1// എക്സൽ സെല്ലുകളിൽ താഴെ കൊടുത്തത്:
2
3// A1: നിലവിലെ പ്രായം (A)
4// A2: ജീവൻ പ്രതീക്ഷ (L)
5// A3: മാസിക സംരക്ഷണ തുക (S_m)
6// A4: മാസിക ചെലവ് (E_m)
7// A5: നികുതി നിരക്ക് (T)
8// A6: മുടക്കിന്റെ നിരക്ക് (I)
9// A7: നിലവിലെ സംരക്ഷണം (C)
10// A8: പലിശ നിരക്ക് (R)
11// A9: വാർഷിക പെൻഷൻ വരുമാനം (P)
12// A10: ആവശ്യമായ അവശിഷ്ടം (H)
13
14// വാർഷിക ശുദ്ധ സംരക്ഷണം (S_a):
15// B1-ൽ:
16// =12 * A3 * (1 - A5)
17
18// വാർഷിക ചെലവുകൾ (E_a):
19// B2-ൽ:
20// =12 * A4
21
22// യാഥാർത്ഥ്യ പലിശ നിരക്ക് (R_real):
23// B3-ൽ:
24// =((1 + A8)/(1 + A6)) - 1
25
26// വ്യത്യാസങ്ങൾ ആരംഭിക്കുക:
27// B4-ൽ:
28// =A7  // ആരംഭ സംരക്ഷണം
29
30// വർഷങ്ങൾക്കായി ആവർത്തിക്കാൻ ഒരു പട്ടിക സജ്ജമാക്കുക:
31// A കോളത്തിൽ 0 മുതൽ ആരംഭിച്ച് വർഷം
32// B കോളത്തിൽ കണക്കാക്കൽ ഫോർമുല ഉപയോഗിച്ച്:
33
34// B5:
35// =IF(A5 + A$1 >= A$2, "", IF(B4 * (1 + B$3 * (1 - A$5)) + B$1 >= (A$2 - (A$1 + A5)) * (B$2 - A$9 * (1 - A$5)) + A$10, "Retire", B4 * (1 + B$3 * (1 - A$5)) + B$1))
36
37// "Retire" പ്രത്യക്ഷപ്പെടുന്നതുവരെ അല്ലെങ്കിൽ പ്രായം >= ജീവൻ പ്രതീക്ഷ വരെ ഫോർമുല നകൽ ചെയ്യുക.
38

1import math
2
3def calculate_retirement_age(A, L, S_m, E_m, T, I, C, R, P, H):
4    S_a = 12 * S_m * (1 - T)
5    E_a = 12 * E_m
6    R_real = ((1 + R) / (1 + I)) - 1
7    n = 0
8    C_n = C
9    while A + n < L:
10        C_n = C_n * (1 + R_real * (1 - T)) + S_a
11        required_savings = (L - (A + n)) * (E_a - P * (1 - T)) + H
12        if C_n >= required_savings:
13            return n
14        n += 1
15    return None  # വിരാമം സാധ്യമല്ല
16
17## ഉദാഹരണ ഉപയോഗം:
18current_age = 45
19life_expectancy = 85
20monthly_savings = 1500
21monthly_expenses = 3000
22tax_rate = 0.22
23inflation_rate = 0.025
24current_savings = 200000
25interest_rate = 0.06
26pension_income = 15000
27desired_inheritance = 50000
28
29years_until_retirement = calculate_retirement_age(
30    current_age, life_expectancy, monthly_savings, monthly_expenses,
31    tax_rate, inflation_rate, current_savings, interest_rate, pension_income, desired_inheritance
32)
33
34if years_until_retirement is not None:
35    retirement_age = current_age + years_until_retirement
36    print(f"You can retire in {years_until_retirement} years at age {retirement_age}.")
37else:
38    print("Retirement is not possible within your life expectancy based on current inputs.")
39

1function calculateRetirementAge(A, L, S_m, E_m, T, I, C, R, P, H) {
2    const S_a = 12 * S_m * (1 - T);
3    const E_a = 12 * E_m;
4    const R_real = ((1 + R) / (1 + I)) - 1;
5    let n = 0;
6    let C_n = C;
7    while (A + n < L) {
8        C_n = C_n * (1 + R_real * (1 - T)) + S_a;
9        const requiredSavings = (L - (A + n)) * (E_a - P * (1 - T)) + H;
10        if (C_n >= requiredSavings) {
11            return n;
12        }
13        n += 1;
14    }
15    return null; // വിരാമം സാധ്യമല്ല
16}
17
18// ഉദാഹരണ ഉപയോഗം:
19const currentAge = 40;
20const lifeExpectancy = 85;
21const monthlySavings = 2000;
22const monthlyExpenses = 4000;
23const taxRate = 0.2;
24const inflationRate = 0.03;
25const currentSavings = 100000;
26const interestRate = 0.05;
27const pensionIncome = 10000;
28const desiredInheritance = 80000;
29
30const yearsUntilRetirement = calculateRetirementAge(
31    currentAge, lifeExpectancy, monthlySavings, monthlyExpenses,
32    taxRate, inflationRate, currentSavings, interestRate, pensionIncome, desiredInheritance
33);
34
35if (yearsUntilRetirement !== null) {
36    const retirementAge = currentAge + yearsUntilRetirement;
37    console.log(`You can retire in ${yearsUntilRetirement} years at age ${retirementAge}.`);
38} else {
39    console.log("Retirement is not possible within your life expectancy based on current inputs.");
40}
41

1public class RetirementCalculator {
2
3    public static Integer calculateRetirementAge(double A, double L, double S_m, double E_m,
4                                                 double T, double I, double C, double R, double P, double H) {
5        double S_a = 12 * S_m * (1 - T);
6        double E_a = 12 * E_m;
7        double R_real = ((1 + R) / (1 + I)) - 1;
8        int n = 0;
9        double C_n = C;
10        while (A + n < L) {
11            C_n = C_n * (1 + R_real * (1 - T)) + S_a;
12            double requiredSavings = (L - (A + n)) * (E_a - P * (1 - T)) + H;
13            if (C_n >= requiredSavings) {
14                return n;
15            }
16            n++;
17        }
18        return null; // വിരാമം സാധ്യമല്ല
19    }
20
21    public static void main(String[] args) {
22        double currentAge = 50;
23        double lifeExpectancy = 90;
24        double monthlySavings = 2500;
25        double monthlyExpenses = 4500;
26        double taxRate = 0.2;
27        double inflationRate = 0.025;
28        double currentSavings = 300000;
29        double interestRate = 0.055;
30        double pensionIncome = 20000;
31        double desiredInheritance = 100000;
32
33        Integer yearsUntilRetirement = calculateRetirementAge(
34            currentAge, lifeExpectancy, monthlySavings, monthlyExpenses,
35            taxRate, inflationRate, currentSavings, interestRate, pensionIncome, desiredInheritance
36        );
37
38        if (yearsUntilRetirement != null) {
39            double retirementAge = currentAge + yearsUntilRetirement;
40            System.out.printf("You can retire in %d years at age %.0f.%n", yearsUntilRetirement, retirementAge);
41        } else {
42            System.out.println("Retirement is not possible within your life expectancy based on current inputs.");
43        }
44    }
45}
46

1using System;
2
3class RetirementCalculator
4{
5    public static int? CalculateRetirementAge(double A, double L, double S_m, double E_m,
6                                              double T, double I, double C, double R, double P, double H)
7    {
8        double S_a = 12 * S_m * (1 - T);
9        double E_a = 12 * E_m;
10        double R_real = ((1 + R) / (1 + I)) - 1;
11        int n = 0;
12        double C_n = C;
13        while (A + n < L)
14        {
15            C_n = C_n * (1 + R_real * (1 - T)) + S_a;
16            double requiredSavings = (L - (A + n)) * (E_a - P * (1 - T)) + H;
17            if (C_n >= requiredSavings)
18            {
19                return n;
20            }
21            n++;
22        }
23        return null; // വിരാമം സാധ്യമല്ല
24    }
25
26    static void Main(string[] args)
27    {
28        double currentAge = 35;
29        double lifeExpectancy = 85;
30        double monthlySavings = 2000;
31        double monthlyExpenses = 3500;
32        double taxRate = 0.18;
33        double inflationRate = 0.03;
34        double currentSavings = 150000;
35        double interestRate = 0.05;
36        double pensionIncome = 12000;
37        double desiredInheritance = 75000;
38
39        int? yearsUntilRetirement = CalculateRetirementAge(
40            currentAge, lifeExpectancy, monthlySavings, monthlyExpenses,
41            taxRate, inflationRate, currentSavings, interestRate, pensionIncome, desiredInheritance
42        );
43
44        if (yearsUntilRetirement.HasValue)
45        {
46            double retirementAge = currentAge + yearsUntilRetirement.Value;
47            Console.WriteLine($"You can retire in {yearsUntilRetirement} years at age {retirementAge}.");
48        }
49        else
50        {
51            Console.WriteLine("Retirement is not possible within your life expectancy based on current inputs.");
52        }
53    }
54}
55