Create app.py with basic calculators

app.py

@@ -0,0 +1,529 @@
+import matplotlib.pyplot as plt
+import numpy_financial as npf
+import streamlit as st
+import pandas as pd
+import numpy as np
+
+def calculate_loan_shift_savings(current_balance, current_rate, new_rate, remaining_term, processing_fee):
+    # Calculate monthly interest rates
+    monthly_current_rate = current_rate / 12 / 100
+    monthly_new_rate = new_rate / 12 / 100
+
+    # Calculate monthly payments for current and new loan
+    current_monthly_payment = npf.pmt(monthly_current_rate, remaining_term, -current_balance)
+    new_monthly_payment = npf.pmt(monthly_new_rate, remaining_term, -current_balance)
+
+    # Calculate total payments for current and new loan
+    total_current_payment = current_monthly_payment * remaining_term
+    total_new_payment = new_monthly_payment * remaining_term + processing_fee
+
+    # Calculate savings
+    savings = total_current_payment - total_new_payment
+    return savings
+
+def loan_shift_decision_tab():
+    st.header("Should I Shift My Loan Calculator")
+
+    current_balance = st.number_input("Current Loan Balance", min_value=0.0)
+    current_rate = st.number_input("Current Interest Rate (Annual %)", min_value=0.0)
+    new_rate = st.number_input("New Interest Rate (Annual %)", min_value=0.0)
+    remaining_term = st.number_input("Remaining Term of Loan (Months)", min_value=1)
+    processing_fee = st.number_input("Processing Fee for New Loan", min_value=0.0)
+
+    if st.button("Calculate Savings"):
+        savings = calculate_loan_shift_savings(current_balance, current_rate, new_rate, remaining_term, processing_fee)
+        if savings > 0:
+            st.success(f"Shifting your loan saves you ${savings:,.2f} over the remaining term of the loan.")
+        else:
+            st.error(f"Shifting your loan does not save money. It costs you an additional ${-savings:,.2f}.")
+
+
+def calculate_real_future_values(principal, interest_rate, inflation_rate, years):
+    return np.array([principal * ((1 + interest_rate / 100) ** year) / ((1 + inflation_rate / 100) ** year) for year in np.arange(1, years + 1)])
+
+def inflation_calculator_tab():
+    st.header("Multiple Investments Growth Calculator with Inflation")
+    st.write("Calculate and compare the real value growth of multiple investments considering inflation.")
+
+    # Dynamic input fields for multiple amounts, rates, and inflation rate
+    entries = []
+    n_entries = st.number_input("Number of Investments", min_value=1, max_value=10, value=1, step=1)
+    for i in range(n_entries):
+        col1, col2 = st.columns(2)
+        with col1:
+            amount = st.number_input(f"Amount {i+1}", min_value=0.0, value=1000.0, format="%.2f")
+        with col2:
+            rate = st.number_input(f"Interest Rate {i+1} (%)", min_value=0.0, value=5.0, format="%.2f")
+        entries.append((amount, rate))
+
+    inflation_rate = st.number_input("Annual Inflation Rate (%)", min_value=0.0, value=2.0, format="%.2f")
+    years = st.number_input("Number of Years:", min_value=1, max_value=100, step=1)
+
+    if st.button('Calculate and Plot'):
+        plt.figure(figsize=(10, 6))
+        combined_future_value = np.zeros(years)
+
+        for i, (amount, rate) in enumerate(entries):
+            real_future_values = calculate_real_future_values(amount, rate, inflation_rate, years)
+            combined_future_value += real_future_values
+            plt.plot(range(1, years + 1), real_future_values, label=f'Investment {i+1}')
+
+        plt.plot(range(1, years + 1), combined_future_value, label='Combined Investment (Adjusted for Inflation)', color='black', linestyle='--')
+        plt.title('Investment Real Value Growth Over Time Considering Inflation')
+        plt.xlabel('Years')
+        plt.ylabel('Real Future Value')
+        plt.legend()
+        st.pyplot(plt)
+
+
+def calculate_emi(principal, annual_interest_rate, tenure_years):
+    monthly_interest_rate = annual_interest_rate / (12 * 100)
+    total_payments = tenure_years * 12
+    emi = principal * monthly_interest_rate / (1 - (1 + monthly_interest_rate) ** -total_payments)
+    return emi
+
+def emi_breakdown(principal, annual_interest_rate, tenure_years):
+    monthly_interest_rate = annual_interest_rate / (12 * 100)
+    total_payments = tenure_years * 12
+    emi = calculate_emi(principal, annual_interest_rate, tenure_years)
+    balance = principal
+    emi_data = []
+
+    for month in range(1, total_payments + 1):
+        interest = balance * monthly_interest_rate
+        principal_payment = emi - interest
+        balance -= principal_payment
+        emi_data.append([month, emi, principal_payment, interest, balance])
+
+    return pd.DataFrame(emi_data, columns=["Month", "EMI", "Principal", "Interest", "Balance"])
+
+def plot_emi_data(emi_df):
+    plt.figure(figsize=(10, 5))
+    plt.plot(emi_df['Month'], emi_df['Principal'], label='Principal Component')
+    plt.plot(emi_df['Month'], emi_df['Interest'], label='Interest Component')
+    plt.xlabel('Month')
+    plt.ylabel('Amount')
+    plt.title('EMI Components Over Time')
+    plt.legend()
+    st.pyplot(plt)
+
+    plt.figure(figsize=(10, 5))
+    plt.plot(emi_df['Month'], emi_df['Balance'], label='Remaining Balance')
+    plt.xlabel('Month')
+    plt.ylabel('Amount')
+    plt.title('Loan Balance Over Time')
+    plt.legend()
+    st.pyplot(plt)
+
+def emi_calculator_tab():
+    st.header("EMI Calculator")
+    loan_amount = st.number_input("Loan Amount", min_value=0.0, value=100000.0, step=1000.0)
+    annual_interest_rate = st.number_input("Annual Interest Rate (%)", min_value=0.0, value=8.0, step=0.1)
+    tenure_years = st.number_input("Tenure (Years)", min_value=1, value=10, step=1)
+
+    if st.button('Calculate EMI'):
+        emi = calculate_emi(loan_amount, annual_interest_rate, tenure_years)
+        st.success(f"Monthly EMI: ₹ {emi:.2f}")
+
+        emi_df = emi_breakdown(loan_amount, annual_interest_rate, tenure_years)
+        plot_emi_data(emi_df)
+        st.write(emi_df)
+
+def calculate_compound_interest(principal, annual_rate, compounding_frequency, years):
+    """
+    Calculate the compound interest based on the given parameters.
+    """
+    factor = {
+        "Monthly": 12,
+        "Quarterly": 4,
+        "Yearly": 1
+    }
+    n = factor[compounding_frequency]
+    amount = principal * ((1 + annual_rate/(100 * n)) ** (n * years))
+    return amount
+
+def plot_growth(principal, annual_rate, compounding_frequency, years):
+    """
+    Plot the returns of the investment over time.
+    """
+    factor = {
+        "Monthly": 12,
+        "Quarterly": 4,
+        "Yearly": 1
+    }
+    n = factor[compounding_frequency]
+    times = np.linspace(0, years, years * n + 1)
+    future_values = principal * ((1 + annual_rate/(100 * n)) ** (n * times))
+    returns = future_values - principal
+
+    plt.figure(figsize=(10, 6))
+    plt.plot(times, returns, color='purple', linestyle='-', linewidth=2, label='Investment Returns')
+    plt.fill_between(times, returns, color='blue', alpha=0.3)
+    plt.title('Investment Returns Over Time')
+    plt.xlabel('Years')
+    plt.ylabel('Returns (Future Value - Principal)')
+    plt.legend()
+    st.pyplot(plt)
+
+
+def plot_growth_old(principal, annual_rate, compounding_frequency, years):
+    """
+    Plot the growth of the investment over time.
+    """
+    factor = {
+        "Monthly": 12,
+        "Quarterly": 4,
+        "Yearly": 1
+    }
+    n = factor[compounding_frequency]
+    times = np.linspace(0, years, years * n + 1)
+    values = principal * ((1 + annual_rate/(100 * n)) ** (n * times))
+
+    plt.figure(figsize=(10, 6))
+    plt.plot(times, values, color='purple', linestyle='-', linewidth=2, label='Investment Growth')
+    plt.fill_between(times, values, color='blue', alpha=0.3)
+    plt.title('Compound Interest Growth Over Time')
+    plt.xlabel('Years')
+    plt.ylabel('Future Value')
+    plt.legend()
+    st.pyplot(plt)
+
+def compound_interest_calculator():
+    st.header("Compound Interest Calculator")
+    st.write("Calculate the future value of your investment with compound interest.")
+
+    principal = st.number_input("Enter the principal amount:", min_value=0.0, value=10000.0, format="%.2f")
+    annual_rate = st.number_input("Enter the annual interest rate (%):", min_value=0.0, value=5.0, format="%.2f")
+    compounding_frequency = st.selectbox("Select the compounding frequency:", ["Monthly", "Quarterly", "Yearly"])
+    years = st.number_input("Enter the number of years:", min_value=1, max_value=50, value=10, step=1)
+
+    if st.button('Calculate and Plot'):
+        future_value = calculate_compound_interest(principal, annual_rate, compounding_frequency, years)
+        st.success(f"The future value of your investment is: ₹ {future_value:.2f}")
+
+        plot_growth(principal, annual_rate, compounding_frequency, years)
+
+def calculate_fire_number(monthly_expenses, withdrawal_rate):
+    """
+    Calculate the FIRE Number based on monthly expenses and withdrawal rate.
+    Annual expenses are derived by multiplying monthly expenses by 12.
+    """
+    annual_expenses = monthly_expenses * 12
+    fire_number = annual_expenses / (withdrawal_rate / 100)
+    return fire_number
+
+def fire_number_calculator():
+    st.header("FIRE Number Calculator")
+    st.write("Calculate the amount you need to achieve Financial Independence and Retire Early (FIRE) based on your monthly expenses.")
+
+    monthly_expenses = st.number_input("Enter your monthly expenses:", min_value=0.0, value=5000.0, format="%.2f")
+    withdrawal_rate = st.number_input("Enter your desired withdrawal rate (%):", min_value=1.0, max_value=10.0, value=4.0, format="%.2f")
+
+    if st.button('Calculate FIRE Number'):
+        fire_number = calculate_fire_number(monthly_expenses, withdrawal_rate)
+        st.success(f"Your FIRE Number is: ₹ {fire_number:.2f}")
+
+def project_fd_value(principal, annual_rate, years):
+    return np.array([principal * ((1 + annual_rate) ** year) for year in range(1, years + 1)])
+
+def plot_projections_with_fd(years, best_case_values, worst_case_values, fd_values):
+    plt.figure(figsize=(10, 6))
+    plt.plot(range(1, years + 1), best_case_values, label='Best Case', color='#1f77b4')  # Blue
+    plt.plot(range(1, years + 1), worst_case_values, label='Worst Case', color='#ff7f0e')  # Orange
+    plt.plot(range(1, years + 1), fd_values, label='FD Return', color='#2ca02c')  # Green
+    plt.xlabel('Years')
+    plt.ylabel('Projected Value (₹)')
+    plt.yscale('log')  # Set the y-axis to a logarithmic scale
+    plt.title('Investment Projections Over Time (Log Scale)')
+    plt.legend()
+    st.pyplot(plt)
+
+def investment_projections(investment_amount, risk_appetite, years):
+    # Defining return rates for best and worst cases
+    if risk_appetite >= 75:  # High Risk
+        best_case_rate = 0.15  # 15% optimistic annual return
+        worst_case_rate = -0.05  # -5% pessimistic annual return
+    elif 25 < risk_appetite < 75:  # Medium Risk
+        best_case_rate = 0.10  # 10% optimistic annual return
+        worst_case_rate = 0.00  # 0% pessimistic annual return
+    else:  # Low Risk
+        best_case_rate = 0.05  # 5% optimistic annual return
+        worst_case_rate = 0.01  # 1% pessimistic annual return
+
+    # Projecting future values
+    best_case_value = project_future_value(investment_amount, best_case_rate, years)
+    worst_case_value = project_future_value(investment_amount, worst_case_rate, years)
+
+    return best_case_value, worst_case_value
+
+def plot_projections(years, best_case_values, worst_case_values):
+    plt.figure(figsize=(10, 6))
+    plt.plot(range(1, years + 1), best_case_values, label='Best Case', color='#1f77b4')  # Blue
+    plt.plot(range(1, years + 1), worst_case_values, label='Worst Case', color='#ff7f0e')  # Orange
+    plt.xlabel('Years')
+    plt.ylabel('Projected Value (₹)')
+    plt.title('Investment Projections Over Time')
+    plt.legend()
+    st.pyplot(plt)
+
+def project_future_value(principal, annual_rate, years):
+    return np.array([principal * ((1 + annual_rate) ** year) for year in range(1, years + 1)])
+
+def investment_advice(income, expenses, age, risk_appetite):
+    # Calculate the disposable income (income - expenses)
+    disposable_income = income - expenses
+
+    # Emergency Fund Recommendation
+    emergency_fund = expenses * 6  # 6 months of expenses
+
+    # Retirement Savings Recommendation (simplified example)
+    retirement_savings = disposable_income * 0.15  # 15% of disposable income
+
+    # Investment Allocation
+    if risk_appetite >= 75:  # High Risk
+        stocks = disposable_income * 0.5  # 50% in stocks
+        bonds = disposable_income * 0.2  # 20% in bonds
+        mutual_funds = disposable_income * 0.3  # 30% in mutual funds
+    elif 25 < risk_appetite < 75:  # Medium Risk
+        stocks = disposable_income * 0.3  # 30% in stocks
+        bonds = disposable_income * 0.4  # 40% in bonds
+        mutual_funds = disposable_income * 0.3  # 30% in mutual funds
+    else:  # Low Risk
+        stocks = disposable_income * 0.1  # 10% in stocks
+        bonds = disposable_income * 0.6  # 60% in bonds
+        mutual_funds = disposable_income * 0.3  # 30% in mutual funds
+
+    return {
+        "Emergency Fund": emergency_fund,
+        "Retirement Savings": retirement_savings,
+        "Stocks": stocks,
+        "Bonds": bonds,
+        "Mutual Funds": mutual_funds
+    }
+
+def investment_advisor():
+    st.title("Smart Income Investment Advisor")
+
+    income = st.number_input("Enter your monthly income:", min_value=0.0, format="%.2f")
+    expenses = st.number_input("Enter your monthly expenses:", min_value=0.0, format="%.2f")
+    age = st.number_input("Enter your age:", min_value=18, max_value=100, step=1)
+    risk_appetite = st.slider("Select your risk appetite (0 = Low, 100 = High):", 0, 100, 50)
+
+    fd_rate = st.number_input("Enter FD Interest Rate:", min_value = 0.1, max_value = 10.0, format="%.2f")
+
+    years = st.number_input("Investment Time Horizon (Years):", min_value=1, max_value=30, step=1)
+
+    if st.button("Get Investment Advice"):
+        advice = investment_advice(income, expenses, age, risk_appetite)
+        st.write(advice)
+
+        total_investment = advice["Stocks"] + advice["Bonds"] + advice["Mutual Funds"]
+        best_case_values, worst_case_values = investment_projections(total_investment, risk_appetite, years)
+        
+        fd_values = project_fd_value(total_investment, fd_rate / 100, years)
+
+        st.write("Projection for your total investment:")
+        st.write(f"Best-case scenario (in {years} years): ₹ {best_case_values[-1]:.2f}")
+        st.write(f"Worst-case scenario (in {years} years): ₹ {worst_case_values[-1]:.2f}")
+        st.write(f"Fixed Deposit scenario (in {years} years): ₹ {fd_values[-1]:.2f}")
+
+        # Plot the projections with FD
+        plot_projections_with_fd(years, best_case_values, worst_case_values, fd_values)
+
+def calculate_sip_returns(sip_amount, duration_years, rd_fd_rate, mf_rate, index_fund_rate):
+    # Convert annual rates to monthly rates
+    monthly_rd_fd_rate = rd_fd_rate / 12 / 100
+    monthly_mf_rate = mf_rate / 12 / 100
+    monthly_index_fund_rate = index_fund_rate / 12 / 100
+
+    # Total months
+    total_months = duration_years * 12
+
+    # RD/FD Returns Calculation (Compounded Monthly for simplification)
+    rd_fd_total = 0
+    for month in range(total_months):
+        rd_fd_total *= (1 + monthly_rd_fd_rate)
+        rd_fd_total += sip_amount
+
+    # Mutual Funds and Index Funds Returns Calculation (Compounded Monthly)
+    mf_total = 0
+    index_fund_total = 0
+    for month in range(total_months):
+        mf_total *= (1 + monthly_mf_rate)
+        mf_total += sip_amount
+        index_fund_total *= (1 + monthly_index_fund_rate)
+        index_fund_total += sip_amount
+
+    return rd_fd_total, mf_total, index_fund_total
+
+def sip_return_comparator_tab():
+    st.header("SIP Return Comparator")
+    st.write("Compare the returns from different investment options based on your SIP.")
+
+    sip_amount = st.number_input("Enter your monthly SIP amount:", min_value=500.0, value=5000.0, format="%.2f")
+    duration_years = st.number_input("Enter the investment duration (in years):", min_value=1, max_value=30, value=5, step=1)
+
+    # Optional: Allow users to modify the default interest rates
+    rd_fd_rate = st.number_input("Enter RD/FD Interest Rate (% per annum):", min_value=0.0, value=6.0, format="%.2f")
+    mf_rate = st.number_input("Enter Mutual Funds Return Rate (% per annum):", min_value=0.0, value=12.0, format="%.2f")
+    index_fund_rate = st.number_input("Enter Index Funds Return Rate (% per annum):", min_value=0.0, value=10.0, format="%.2f")
+
+    if st.button('Calculate SIP Returns'):
+        rd_fd_returns, mf_returns, index_fund_returns = calculate_sip_returns(sip_amount, duration_years, rd_fd_rate, mf_rate, index_fund_rate)
+        st.success(f"RD/FD Returns: ₹ {rd_fd_returns:.2f}\nMutual Funds Returns: ₹ {mf_returns:.2f}\nIndex Funds Returns: ₹ {index_fund_returns:.2f}")
+
+        # Optional: Plotting the results for a visual comparison
+        labels = ['RD/FD', 'Mutual Funds', 'Index Funds']
+        returns = [rd_fd_returns, mf_returns, index_fund_returns]
+        colors = [(0.1, 0.2, 0.5, 0.7), (0.2, 0.6, 0.2, 0.7), (1.0, 0.5, 0.0, 0.7)]  # RGBA format
+        plt.figure(figsize=(10, 6))
+        plt.bar(labels, returns, color=colors)
+        plt.title('SIP Returns Comparison')
+        plt.ylabel('Total Returns in ₹')
+        st.pyplot(plt)
+
+
+def calculate_emi(principal, interest_rate, years):
+    monthly_interest_rate = interest_rate / (12 * 100)
+    total_payments = years * 12
+    emi = principal * monthly_interest_rate * ((1 + monthly_interest_rate) ** total_payments) / ((1 + monthly_interest_rate) ** total_payments - 1)
+    return emi
+
+def calculate_loan_eligibility(net_monthly_income, other_emis, interest_rate, tenure_years, income_multiplier=5):
+    # Assuming the bank allows a maximum of 50% of net income towards EMI
+    max_emi_allowed = net_monthly_income * 0.5 - other_emis
+    monthly_interest_rate = interest_rate / (12 * 100)
+    total_payments = tenure_years * 12
+    max_loan_amount = max_emi_allowed / (monthly_interest_rate * ((1 + monthly_interest_rate) ** total_payments) / ((1 + monthly_interest_rate) ** total_payments - 1))
+    return max_loan_amount * income_multiplier
+
+def estimate_tax_savings(interest_paid_annually, principal_paid_annually, income_tax_slab, co_purchaser):
+    max_deduction_interest = 200000  # Section 24(b)
+    max_deduction_principal = 150000  # Section 80C
+    interest_deduction = min(interest_paid_annually, max_deduction_interest)
+    principal_deduction = min(principal_paid_annually, max_deduction_principal)
+    tax_savings = (interest_deduction + principal_deduction) * income_tax_slab / 100
+    if co_purchaser == "Yes":
+        tax_savings *= 2  # Double the tax savings if there's a co-purchaser
+    return tax_savings
+
+def calculate_profit_timeline(total_loan_amount, emi, tax_savings, initial_investment, rental_income, rental_increase_rate, inflation_rate, property_appreciation_rate, years):
+    monthly_rental_income = rental_income
+    cumulative_rental_income = 0
+    cumulative_investment = initial_investment
+    property_value = total_loan_amount + initial_investment  # Initial total property value
+    profit_timeline = []
+
+    for year in range(1, years + 1):
+        annual_rental_income = 0
+        property_value *= (1 + property_appreciation_rate)  # Update property value for the year
+
+        for month in range(1, 13):
+            adjusted_rental_income = monthly_rental_income / ((1 + inflation_rate) ** (year - 1))
+            annual_rental_income += adjusted_rental_income
+            cumulative_rental_income += adjusted_rental_income
+            cumulative_investment += emi - tax_savings / 12
+
+        # Update rental income for the next year
+        monthly_rental_income *= (1 + rental_increase_rate)
+
+        # Record data for the timeline
+        profit_timeline.append((year, cumulative_rental_income, cumulative_investment, property_value))
+
+    return pd.DataFrame(profit_timeline, columns=["Year", "Cumulative Rental Income", "Cumulative Investment", "Estimated Property Value"])
+
+
+def loan_eligibility_calculator():
+    st.header("Loan Eligibility Calculator")
+    st.write("Calculate your loan eligibility based on your monthly income and other factors.")
+
+    net_monthly_income = st.number_input("Enter your net monthly income:", min_value=0.0, value=50000.0, format="%.2f")
+    other_emis = st.number_input("Enter total EMI of other existing loans (if any):", min_value=0.0, value=0.0, format="%.2f")
+    interest_rate = st.number_input("Expected loan interest rate (%):", min_value=0.0, value=8.0, format="%.2f")
+    tenure_years = st.number_input("Expected loan tenure (years):", min_value=1, max_value=30, value=20, step=1)
+
+    if st.button('Calculate Loan Eligibility'):
+        loan_eligibility = calculate_loan_eligibility(net_monthly_income, other_emis, interest_rate, tenure_years)
+        st.success(f"Based on the provided details, your estimated loan eligibility is: ₹ {loan_eligibility:.2f}")
+
+def emi_rental_profit_calculator():
+    # User Inputs
+    cost_of_property = st.number_input("Enter the cost of the property:", min_value=100000.0, value=5000000.0, format="%.2f")
+    renovation_cost = st.number_input("Enter the renovation cost:", min_value=0.0, value=500000.0, format="%.2f")
+    down_payment = st.number_input("Enter the down payment:", min_value=0.0, value=1000000.0, format="%.2f")
+    loan_amount = cost_of_property + renovation_cost - down_payment
+    st.text(f"Total Loan Amount: {loan_amount}")
+    
+    interest_rate = st.number_input("Enter the home loan interest rate (%):", min_value=0.0, value=8.0, format="%.2f")
+    years = st.number_input("Enter the number of years for the loan:", min_value=1, max_value=30, value=20, step=1)
+    co_purchaser = st.selectbox("Is there a co-purchaser?", ["No", "Yes"])
+    income_tax_slab = st.number_input("Enter your income tax slab rate (%):", min_value=0.0, max_value=30.0, value=10.0, format="%.2f")
+    initial_rental_income = st.number_input("Enter initial monthly rental income:", min_value=0.0, value=20000.0, format="%.2f")
+    rental_increase_rate = st.number_input("Enter annual rental increase rate (%):", min_value=0.0, max_value=10.0, value=5.0, format="%.2f") / 100
+    inflation_rate = st.number_input("Enter annual inflation rate (%):", min_value=0.0, max_value=10.0, value=4.0, format="%.2f") / 100
+    property_appreciation_rate = st.number_input("Enter annual property value appreciation rate (%):", min_value=0.0, max_value=10.0, value=3.0, format="%.2f") / 100
+    
+    # Calculation Button
+    if st.button('Calculate'):
+        emi = calculate_emi(loan_amount, interest_rate, years)
+        st.text(f"Monthly EMI: {emi:.2f}")
+    
+        # Assuming the entire EMI is considered for tax savings calculation
+        annual_emi = emi * 12
+        tax_savings = estimate_tax_savings(annual_emi, annual_emi, income_tax_slab, co_purchaser)
+        st.text(f"Annual Tax Savings: {tax_savings:.2f}")
+    
+        # Calculate profit timeline
+        profit_df = calculate_profit_timeline(loan_amount, emi, tax_savings, down_payment, initial_rental_income, rental_increase_rate, inflation_rate, property_appreciation_rate, years)
+        st.write(profit_df)
+    
+        # Plotting the results
+        plt.figure(figsize=(10, 4))
+        plt.plot(profit_df['Year'], profit_df['Cumulative Rental Income'], label='Cumulative Rental Income')
+        plt.plot(profit_df['Year'], profit_df['Cumulative Investment'], label='Cumulative Investment')
+        plt.plot(profit_df['Year'], profit_df['Estimated Property Value'], label='Estimated Property Value')
+        plt.xlabel('Year')
+        plt.ylabel('Amount')
+        plt.title('Profit Timeline')
+        plt.legend()
+        st.pyplot(plt)
+
+def main():
+    st.title("Personal Finance Assistance")
+
+    # Sidebar for navigation
+    st.sidebar.title("Navigation")
+
+    options = ["Personal Finance Assistance Tools", "Loan Eligibility Calculator", "EMI and Rental Profit Calculator", "SIP Return Comparator", "How to invest my income?", "FIRE Number Calculator", "Compound Interest Calculator", "Loan EMI Calculator"]
+    options.append("Debt Payoff Calculator")
+    options.append("How are my investments changing over time considering inflation ?")
+    options.append("Should I Shift My Loan Calculator")
+    
+    choice = st.sidebar.radio("Choose a Calculator:", options)
+
+    if choice == "Personal Finance Assistance Tools":
+        st.text("This Space container various tools to clarify few personal finances.")
+        st.text("Choose from left sidebar and proceed.")
+        st.text("Suggestion are welcome, please contact at fineasyinc@gmail.com for collaboration!")
+    elif choice == "Loan Eligibility Calculator":
+        loan_eligibility_calculator()
+    elif choice == "EMI and Rental Profit Calculator":
+        emi_rental_profit_calculator()
+    elif choice == "SIP Return Comparator":
+        sip_return_comparator_tab()
+    elif choice == "How to invest my income?":
+        investment_advisor()
+    elif choice == "FIRE Number Calculator":
+        fire_number_calculator()
+    elif choice == "Compound Interest Calculator":
+        compound_interest_calculator()
+    elif choice == "Loan EMI Calculator":
+        emi_calculator_tab()
+    elif choice == "How are my investments changing over time considering inflation ?":
+        inflation_calculator_tab()
+    elif choice == "Should I Shift My Loan Calculator":
+        loan_shift_decision_tab()
+        
+
+if __name__ == "__main__":
+    main()