ChargesTest000
| Day |
Datestamp |
Advances |
Scheduled payment |
Window |
Payment due |
Actual payments |
Generated payment |
Net effect |
Payment status |
Balance status |
Simple interest |
New interest |
New charges |
Principal portion |
Fee portion |
Interest portion |
Charges portion |
Fee rebate |
Principal balance |
Fee balance |
Interest balance |
Charges balance |
Settlement figure |
Fee rebate if settled |
| 0 |
2022-11-26 |
1,500.00 |
n/a |
0 |
0.00 |
n/a |
n/a |
0.00 |
none scheduled |
open |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
1,500.00 |
0.00 |
0.0000 |
0.00 |
1,500.00 |
0.00 |
| 4 |
2022-11-30 |
n/a |
original 456.88 |
1 |
456.88 |
confirmed 456.88 |
n/a |
456.88 |
payment made |
open |
48.0000 |
48.0000 |
n/a |
408.88 |
0.00 |
48.00 |
0.00 |
0.00 |
1,091.12 |
0.00 |
0.0000 |
0.00 |
1,091.12 |
0.00 |
| 35 |
2022-12-31 |
n/a |
original 456.88 |
2 |
456.88 |
456.88 failed (insufficient funds) |
n/a |
0.00 |
paid later in full |
open |
270.5978 |
270.5978 |
late payment 10.00
insufficient funds 10.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
1,091.12 |
0.00 |
270.5978 |
20.00 |
1,381.71 |
0.00 |
| 36 |
2023-01-01 |
n/a |
n/a |
2 |
0.00 |
456.88 failed (insufficient funds) |
n/a |
0.00 |
nothing due |
open |
8.7290 |
8.7290 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
1,091.12 |
0.00 |
279.3267 |
20.00 |
1,390.44 |
0.00 |
| 40 |
2023-01-05 |
n/a |
n/a |
2 |
0.00 |
confirmed 456.88 |
n/a |
456.88 |
extra payment |
open |
34.9158 |
34.9158 |
n/a |
122.64 |
0.00 |
314.24 |
20.00 |
0.00 |
968.48 |
0.00 |
0.0000 |
0.00 |
968.48 |
0.00 |
| 66 |
2023-01-31 |
n/a |
original 456.88 |
3 |
456.88 |
456.88 failed (insufficient funds)
456.88 failed (insufficient funds) |
n/a |
0.00 |
paid later owing 0.04 |
open |
201.4438 |
201.4438 |
late payment 10.00
insufficient funds 10.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
968.48 |
0.00 |
201.4438 |
20.00 |
1,189.92 |
0.00 |
| 70 |
2023-02-04 |
n/a |
n/a |
3 |
0.00 |
confirmed 456.84 |
n/a |
456.84 |
extra payment |
open |
30.9914 |
30.9914 |
n/a |
204.41 |
0.00 |
232.43 |
20.00 |
0.00 |
764.07 |
0.00 |
0.0000 |
0.00 |
764.07 |
0.00 |
| 94 |
2023-02-28 |
n/a |
original 456.88 |
4 |
456.88 |
confirmed 456.88 |
n/a |
456.88 |
payment made |
open |
146.7014 |
146.7014 |
n/a |
310.18 |
0.00 |
146.70 |
0.00 |
0.00 |
453.89 |
0.00 |
0.0000 |
0.00 |
453.89 |
0.00 |
| 125 |
2023-03-31 |
n/a |
original 456.84 |
5 |
456.84 |
confirmed 456.84 |
n/a |
456.84 |
payment made |
open |
112.5647 |
112.5647 |
n/a |
344.28 |
0.00 |
112.56 |
0.00 |
0.00 |
109.61 |
0.00 |
0.0000 |
0.00 |
109.61 |
0.00 |
Description
One charge type per day
Generated: 2025-04-28 using library version 2.2.10
Parameters
| Evaluation Date |
2023-04-01 |
| Start Date |
2022-11-26 |
| Principal |
1,500.00 |
| Schedule options |
| config: auto-generate schedule |
schedule length: payment count 5 |
| unit-period config: monthly from 2022-11 on month-end |
|
| Payment options |
| scheduling: as scheduled |
| rounding: rounded up |
| timeout: 3 |
| minimum: defer or write off up to 0.50 |
| level-payment option: lower final payment |
|
| Fee options |
no fee
|
| Charge options |
| Type |
Charge |
Grouping |
Holidays |
| late payment |
10.00 | one charge per day | n/a |
| insufficient funds |
10.00 | one charge per day | n/a |
|
| Interest options |
| standard rate: 0.8 % per day |
method: simple |
| rounding: rounded down |
APR method: UK FCA to 1 d.p. |
| initial grace period: 3 day(s) |
rate on negative balance: zero |
| promotional rates: n/a |
| cap: total 100 %; daily 0.8 % |
|
Initial Stats
| Initial interest balance: 0.00 |
Initial cost-to-borrowing ratio: 52.29 % |
Initial APR: 1291.3 % |
| Level payment: 456.88 |
Final payment: 456.84 |
Last scheduled payment day: 125 |
| Total scheduled payments: 2,284.36 |
Total principal: 1,500.00 |
Total interest: 784.36 |
Final Stats
| Generated settlement: n/a |
Final balance status: open |
| Effective interest rate: 0.4913326477 % per day |
Final cost-to-borrowing ratio: 64.29 % |
| Required scheduled payment count: 5 |
Last required scheduled payment day: 125 |
| Final actual payment count: 9 |
Last actual payment day: 125 |
FSharp.Finance.Personal