invest_return = 1+(0.05/12)
inflation = 1+(0.05/12)
withdrawal_limit=3000
base_cash = 200000
base_income=100000
base_expenditure=0
minimum_payment = 0.1

def next_month(net_inflation, debt,cash):
    cash = cash*invest_return
    income = base_income*net_inflation
    expenditure = base_expenditure*net_inflation

    cash += income - expenditure
    cash -= minimum_payment*debt
    debt -= minimum_payment*debt

    new_debt_ability = (inflation/minimum_payment)*(income-expenditure)-debt
    if new_debt_ability>=withdrawal_limit:
        cash += withdrawal_limit
        debt += withdrawal_limit
    elif new_debt_ability>0:
        cash += new_debt_ability
        debt += new_debt_ability

    return (net_inflation*inflation,debt,cash)

def no_month(infl,cash):
    cash = cash*invest_return
    cash += (base_income-base_expenditure)*infl
    return(infl*inflation,cash)

def simulate(months,cash):
    (i,d,c)=(1,0,cash)
    (a,b)=(1,cash)
    for n in range(0,months):
        (i,d,c)=next_month(i,d,c)
        (a,b)=no_month(a,b)
    return (i,d,c,b)

a = simulate(24,base_income)
print(f"Debt Strategy:\nCash: {a[2]}\nDebt: {a[1]}\nTotal: {a[2]-a[1]}\n")
print(f"No Strategy:\nCash: {a[3]}\n")
print(f"Profit: {a[2]-a[1]-a[3]}")