from langchain.tools import tool

@tool
def simple_interest(P: float, R: float, T: float):
    """Calculate simple interest"""
    return (P * R * T) / 100


@tool
def sip_return(monthly_investment: float, rate: float, years: int):
    """Estimate SIP returns"""
    r = rate / (12 * 100)
    n = years * 12
    return monthly_investment * (((1 + r)**n - 1) * (1 + r) / r)


def portfolio_rule(risk):
    if risk.lower() == "low":
        return "70% FD, 20% Bonds, 10% Equity"
    elif risk.lower() == "medium":
        return "50% Mutual Funds, 20% Hybrid, 20% FD, 10% Stocks"
    else:
        return "70% Equity, 20% MF, 10% Cash"