Personal Loan Calculator

def calculate_personal_loan(principal, annual_rate, months):
    """
    Calculate personal loan monthly payment and total interest.

    Args:
        principal: Loan amount ($)
        annual_rate: Annual interest rate (%)
        months: Loan term in months

    Returns:
        dict with monthly_payment, total_interest, total_paid
    """
    monthly_rate = annual_rate / 12 / 100

    # PMT formula
    if monthly_rate == 0:
        monthly_payment = principal / months
    else:
        monthly_payment = principal * (monthly_rate * (1 + monthly_rate)**months) / \
                          ((1 + monthly_rate)**months - 1)

    total_paid = monthly_payment * months
    total_interest = total_paid - principal

    return {
        'monthly_payment': round(monthly_payment, 2),
        'total_interest': round(total_interest, 2),
        'total_paid': round(total_paid, 2)
    }

def amortization_schedule(principal, annual_rate, months):
    """
    Generate full amortization schedule.
    Returns list of [month, payment, principal, interest, balance]
    """
    monthly_rate = annual_rate / 12 / 100
    loan = calculate_personal_loan(principal, annual_rate, months)
    monthly_payment = loan['monthly_payment']

    schedule = []
    balance = principal

    for month in range(1, months + 1):
        interest_payment = balance * monthly_rate
        principal_payment = monthly_payment - interest_payment
        balance -= principal_payment

        schedule.append({
            'month': month,
            'payment': round(monthly_payment, 2),
            'principal': round(principal_payment, 2),
            'interest': round(interest_payment, 2),
            'balance': round(max(balance, 0), 2)
        })

    return schedule

# Usage
result = calculate_personal_loan(50000, 8.5, 60)
print(f"Monthly Payment: ${result['monthly_payment']}")
print(f"Total Interest: ${result['total_interest']}")