Python Financiële Calculator

class CareerModelCalculator:
    """Calculator voor midlance vs freelance financiële vergelijking"""
    
    def __init__(self, experience_years, specialization):
        self.experience = experience_years
        self.specialization = specialization  # 'data_engineer', 'data_scientist', 'bi_consultant'
        
    def calculate_midlance(self):
        """Bereken midlance compensatie pakket"""
        # Basis salaris gebaseerd op ervaring
        base_salary = {
            1: 4500, 2: 5000, 3: 5500, 4: 5800, 5: 6200,
            6: 6500, 7: 6800, 8: 7200, 9: 7500, 10: 8000
        }.get(self.experience, 5000)
        
        # Specialisatie bonus
        specialization_bonus = {
            'data_engineer': 300,
            'data_scientist': 500,
            'bi_consultant': 200,
            'ml_engineer': 600
        }.get(self.specialization, 0)
        
        monthly_salary = base_salary + specialization_bonus
        
        # Jaarlijkse componenten
        holiday_pay = monthly_salary * 12 * 0.08
        thirteenth_month = monthly_salary
        bonus = monthly_salary * 0.8  # 80% van maandsalaris als bonus
        
        # Training budget
        training_budget = 3000
        
        # Totale jaarcompensatie
        total_package = (monthly_salary * 12) + holiday_pay + thirteenth_month + bonus + training_budget
        
        return {
            'monthly_salary': monthly_salary,
            'holiday_pay': holiday_pay,
            'thirteenth_month': thirteenth_month,
            'bonus': bonus,
            'training_budget': training_budget,
            'total_package': total_package
        }
    
    def calculate_freelance(self, billable_hours=1600, utilization_rate=0.85):
        """Bereken freelance inkomen"""
        # Uurtarief gebaseerd op ervaring en specialisatie
        base_rate = {
            1: 65, 2: 75, 3: 85, 4: 95, 5: 105,
            6: 110, 7: 115, 8: 120, 9: 125, 10: 130
        }.get(self.experience, 85)
        
        # Specialisatie premium
        specialization_premium = {
            'data_engineer': 10,
            'data_scientist': 15,
            'bi_consultant': 5,
            'ml_engineer': 20
        }.get(self.specialization, 0)
        
        hourly_rate = base_rate + specialization_premium
        
        # Facturabele uren (rekening houdend met vakantie, ziekte, acquisitie)
        effective_billable_hours = billable_hours * utilization_rate
        
        # Bruto omzet
        gross_revenue = hourly_rate * effective_billable_hours
        
        # Kosten
        costs = {
            'taxes': gross_revenue * 0.35,  # Belastingen
            'insurance': 6000,  # AOV, zorgverzekering, etc.
            'pension': 12000,   # Pensioeninleg
            'training': 3000,   # Cursussen en certificeringen
            'hardware_software': 2000,  # Laptop, software licenses
            'accountant': 2000,  # Administratie kosten
            'other': 3000       # Overige kosten
        }
        
        total_costs = sum(costs.values())
        
        # Netto inkomen
        net_income = gross_revenue - total_costs
        
        return {
            'hourly_rate': hourly_rate,
            'billable_hours': effective_billable_hours,
            'gross_revenue': gross_revenue,
            'costs': costs,
            'total_costs': total_costs,
            'net_income': net_income
        }
    
    def compare_models(self):
        """Vergelijk beide modellen"""
        midlance = self.calculate_midlance()
        freelance = self.calculate_freelance()
        
        comparison = {
            'midlance_total': midlance['total_package'],
            'freelance_net': freelance['net_income'],
            'difference': freelance['net_income'] - midlance['total_package'],
            'percentage_difference': ((freelance['net_income'] - midlance['total_package']) / midlance['total_package']) * 100
        }
        
        return {
            'midlance': midlance,
            'freelance': freelance,
            'comparison': comparison
        }

# Voorbeeld gebruik
calculator = CareerModelCalculator(experience_years=5, specialization='data_engineer')
results = calculator.compare_models()

print("=== MIDLANCE VS FREELANCE VERGELIJKING ===")
print(f"Ervaring: {calculator.experience} jaar")
print(f"Specialisatie: {calculator.specialization}")
print("\n--- Midlance Pakket ---")
for key, value in results['midlance'].items():
    print(f"{key}: €{value:,.2f}")
print("\n--- Freelance Model ---")
print(f"Uurtarief: €{results['freelance']['hourly_rate']}")
print(f"Netto inkomen: €{results['freelance']['net_income']:,.2f}")
print(f"\n--- Vergelijking ---")
print(f"Verschil: €{results['comparison']['difference']:,.2f}")
print(f"Percentage verschil: {results['comparison']['percentage_difference']:.1f}%")