initial answer from chatgpt

amort.py

@@ -0,0 +1,56 @@
+def generate_amortization_schedule(principal, interest_rate, loan_term, one_time_payment=None):
+    # Convert interest rate to decimal and calculate periodic interest rate
+    monthly_interest_rate = interest_rate / 12 / 100
+
+    # Calculate the number of monthly payments
+    num_payments = loan_term * 12
+
+    # Calculate the fixed monthly payment using the amortization formula
+    monthly_payment = (principal * monthly_interest_rate) / (1 - (1 + monthly_interest_rate) ** -num_payments)
+
+    # Initialize variables
+    remaining_balance = principal
+    amortization_schedule = []
+
+    for payment_number in range(1, num_payments + 1):
+        # Calculate interest for the current period
+        interest_payment = remaining_balance * monthly_interest_rate
+
+        # Calculate principal payment
+        principal_payment = monthly_payment - interest_payment
+
+        # Apply one-time payment if provided
+        if one_time_payment and payment_number == one_time_payment['payment_number']:
+            principal_payment += one_time_payment['amount']
+            remaining_balance -= one_time_payment['amount']
+
+        # Update remaining balance
+        remaining_balance -= principal_payment
+
+        # Create a dictionary with payment details and add it to the amortization schedule
+        payment_details = {
+            'Payment Number': payment_number,
+            'Payment Amount': monthly_payment,
+            'Interest Payment': interest_payment,
+            'Principal Payment': principal_payment,
+            'Remaining Balance': remaining_balance
+        }
+        amortization_schedule.append(payment_details)
+
+    return amortization_schedule
+
+# Example usage
+principal = 100000
+interest_rate = 5.0
+loan_term = 30
+
+one_time_payment = {
+    'payment_number': 13,
+    'amount': 5000
+}
+
+schedule = generate_amortization_schedule(principal, interest_rate, loan_term, one_time_payment)
+
+# Display the amortization schedule
+for payment in schedule:
+    print(payment)