code: def savings_rate(take_home_pay, spending, numtype='float'):
      
  
      if numtype == 'decimal':
          try:
              return (
                  (Decimal(take_home_pay) - Decimal(spending)) / (Decimal(take_home_pay))
              ) * Decimal(100.0)
          # Leave InvalidOperation for backwards compatibility
          except (InvalidOperation, DivisionByZero):
              return Decimal(0.0)
      else:
          try:
              return (
                  (float(take_home_pay) - float(spending)) / (float(take_home_pay))
              ) * 100.0
          except (ZeroDivisionError):
              return 0.0
docs: Calculate net take-home pay including employer retirement savings match
      using the formula laid out by Mr. Money Mustache:
      http://www.mrmoneymustache.com/2015/01/26/calculating-net-worth/
  
      Args:
          take_home_pay: float or int, monthly take-home pay
  
          spending: float or int, monthly spending
  
          numtype: string, 'decimal' or 'float'; the type of number to return.
  
      Returns:
          your monthly savings rate expressed as a percentage.