年收入50萬的投資人如何累積八千萬或提前15年累積千萬退休金? Python:如何使用numpy_financial.fv()計算終值?

# -*- coding: utf-8 -*-
"""
Created on Fri May 25 18:48:55 2023

@author: SavingKing
"""
import numpy_financial as npf
import numpy as np
import pandas as pd

gain = 50/12 #4.166666666666667
#salary

saving_rate = np.array([0.2,0.3,0.5,0.6,0.7,2.5])
#儲蓄率

pay:np.ndarray[float] = -saving_rate*gain
#array([-0.83333333, -1.25, -2.08333333, -2.5, -2.91666667])
# len = 5 

years = [7,10,15,20,25,30,35,40]
#len = 7
shap = ( len(years),len(pay) )
fv_table = np.zeros( shape=shap )
#shape= (7, 5)

rate=0.07

for p in range(len(pay)):
    for y in range(len(years)):
        #print(years[y])
        fv_table[y][p]=\
        npf.fv(rate/12,years[y]*12,pay[p],0,"begin")

df_fv = pd.DataFrame(fv_table,columns=pay,index=years)
print("不同投資金額/年期之終值表:\n",df_fv)