๐ Excel for simple calculations
Excel (or WPS Editor) is ideal for straightforward operations: adding, subtracting, applying percentages, or filtering columns. Its strength lies in its visual interface and speed for manipulating tabular data. However, as soon as complex conditional rules or the automatic generation of multiple files are involved, Excel quickly reaches its limits.
๐งฎ R and Python for advanced logic
R and Python allow you to go much further. They handle dynamic conditions, loops, string comparisons, and rules such as even/odd or plan maturity. Python, with libraries like pandas, excels in automation and manipulating large volumes of data. R, for its part, is particularly well-suited to statistical calculations and custom rules, while remaining close to tabular logic.
๐ Comparative Conclusion
In summary, Excel is practical for simple and quick calculations, but R and Python are essential for complex scenarios where strings need to be compared, conditional rules applied, or multiple CSV files generated automatically. The choice therefore depends on the complexity: Excel for simplicity, R/Python for robustness and automation.