Create app.py

app.py

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+import math
+import pandas as pd
+import gradio as gr
+
+
+def emi_calc(P, annual_rate, years):
+    # Validate inputs
+    if P is None or P <= 0:
+        return "Enter valid principal.", pd.DataFrame()
+
+    if annual_rate is None or annual_rate < 0:
+        return "Enter valid rate.", pd.DataFrame()
+
+    if years is None or years <= 0:
+        return "Enter valid tenure.", pd.DataFrame()
+
+    # Convert
+    P = float(P)
+    r = (float(annual_rate) / 100.0) / 12.0
+    n = int(round(float(years) * 12))
+
+    if n <= 0:
+        return "Tenure is too small.", pd.DataFrame()
+
+    # EMI formula
+    if r == 0:
+        emi = P / n
+    else:
+        emi = P * r * ((1 + r) ** n) / (((1 + r) ** n) - 1)
+
+    total = emi * n
+    interest_total = total - P
+
+    md = (
+        f"### Results\n"
+        f"- Monthly EMI: ₹{emi:,.2f}\n"
+        f"- Total Interest: ₹{interest_total:,.2f}\n"
+        f"- Total Payable: ₹{total:,.2f}\n"
+        f"- Tenure: {n} months"
+    )
+
+    # Amortization schedule
+    bal = P
+    rows = []
+    for m in range(1, n + 1):
+        interest = bal * r
+        principal = emi - interest
+
+        # Adjust last month to avoid tiny rounding balance
+        if m == n:
+            principal = bal
+            emi_last = principal + interest
+            bal = 0.0
+            rows.append([m, round(emi_last, 2), round(principal, 2), round(interest, 2), round(bal, 2)])
+            break
+
+        bal -= principal
+        rows.append([m, round(emi, 2), round(principal, 2), round(interest, 2), round(bal, 2)])
+
+    df = pd.DataFrame(rows, columns=["Month", "EMI", "Principal Paid", "Interest Paid", "Balance"])
+    return md, df
+
+
+with gr.Blocks(title="Loan EMI Calculator") as demo:
+    gr.Markdown("## Simple Loan EMI Calculator")
+
+    with gr.Row():
+        P = gr.Number(label="Loan Amount (₹)", value=500000, precision=0)
+        rate = gr.Number(label="Annual Interest Rate (%)", value=9.0, precision=2)
+        years = gr.Number(label="Tenure (Years)", value=5, precision=2)
+
+    btn = gr.Button("Calculate")
+    out_md = gr.Markdown()
+    out_df = gr.Dataframe(interactive=False)
+
+    btn.click(emi_calc, inputs=[P, rate, years], outputs=[out_md, out_df])
+
+demo.launch()