Smart Finalize Savings Accounts

Minimized interest lost when finalizing savings accounts before maturity when you need money for other purposes.

*Using Knapsack problem algorithm

Require

• node.js (don't have?, download it here: https://nodejs.org/en/download/)

Usage

Prepare input file

Set all your savings accounts and targetBalance in input.js file

Each of your savings account has its own:

• id (Optional): Your savings account ID
• balance (Require): The current balance of the savings account
• lost (Require): The interest money value that you will "lost" if finalizing it today

Run

node app.js

The result will be the list of all savings accounts need finalizing for you

Example

Input (input.js)

// All your savings accounts info
exports.accounts = [
    {id: '1013037787',     balance: 4600000,  lost: 14631},
    {id: '1013007483',     balance: 4784421,  lost: 15782},
    {id: '14601102460789', balance: 4421666,  lost: 16335},
    {id: '14601098965102', balance: 16118140, lost: 31132},
    {id: '14601096624014', balance: 10644550, lost: 31525},
    {id: '14601098222584', balance: 13855000, lost: 32113},
    {id: '14601097723229', balance: 14000000, lost: 36054},
    {id: '1012455874',     balance: 13367000, lost: 42518},
    {id: '14601103480351', balance: 15000000, lost: 43952},
    {id: '14602048324374', balance: 14854875, lost: 44462},
    {id: '14601103063155', balance: 15000000, lost: 49684},
    {id: '14601103062485', balance: 20000000, lost: 66246},
];

// The "targetBalance" that you want to get from your savings accounts
exports.targetBalance = 60000000;

Result (after run: node app.js)

[
  { id: '1013037787', balance: 4600000, lost: 14631 },
  { id: '14601098965102', balance: 16118140, lost: 31132 },
  { id: '14601096624014', balance: 10644550, lost: 31525 },
  { id: '14601098222584', balance: 13855000, lost: 32113 },
  { id: '14601103480351', balance: 15000000, lost: 43952 }
]

So, you need to finalize these 5 savings accounts to get 6000000 for your purposes at minimum interest lost.