Developing a Selling price Formula & Algorithm

Looking for a contractor to help me come up with a formula to calculate product selling price with four variables and two answers. TOTAL PRODUCT COST: To include buying price and other incidentals to make the product ready e.g packaging. COMPETITION INDEX: An index ( 1-10) on how competitive the specific field e.g, consumer electronics field is very competitive so profit margins are minimal while medical supplies have better margins. WARRANTY: If a product has warranty it bears more risk of return so should be considered when pricing. Duration of Warranty should also be put into consideration e.g 3 Months, 6 Months, 1 year, 2 Years. TERMS OF PAYMENT: This determines the Offer price and the Cash price. There should be an offer price that can be paid with Credit Cards, Debit Cards, Paypal as there's a processing fee. There should also be a cash price for cash payment which is discounted as there's no processing fee.