InterestFirstTest023
| 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 |
2022-12-01 |
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 |
1,500.0000 |
0.00 |
1,500.00 |
0.00 |
| 32 |
2023-01-02 |
n/a |
original 500.00 |
1 |
500.00 |
confirmed 500.00 |
n/a |
500.00 |
payment made |
open |
384.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
500.00 |
0.00 |
0.00 |
1,500.00 |
0.00 |
1,000.0000 |
0.00 |
1,384.00 |
0.00 |
| 63 |
2023-02-02 |
n/a |
original 500.00 |
2 |
500.00 |
confirmed 500.00 |
n/a |
500.00 |
payment made |
open |
372.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
500.00 |
0.00 |
0.00 |
1,500.00 |
0.00 |
500.0000 |
0.00 |
1,256.00 |
0.00 |
| 91 |
2023-03-02 |
n/a |
original 500.00 |
3 |
500.00 |
n/a |
n/a |
0.00 |
missed payment |
open |
336.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
1,500.00 |
0.00 |
500.0000 |
0.00 |
1,592.00 |
0.00 |
| 122 |
2023-04-02 |
n/a |
original 500.00 |
4 |
500.00 |
n/a |
n/a |
0.00 |
paid later owing 300.00 |
open |
372.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
1,500.00 |
0.00 |
500.0000 |
0.00 |
1,964.00 |
0.00 |
| 148 |
2023-04-28 |
n/a |
n/a |
4 |
0.00 |
200.00 failed
confirmed 200.00 |
n/a |
200.00 |
extra payment |
open |
36.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
200.00 |
0.00 |
0.00 |
1,500.00 |
0.00 |
300.0000 |
0.00 |
1,800.00 |
0.00 |
| 152 |
2023-05-02 |
n/a |
original 500.00 |
5 |
500.00 |
n/a |
n/a |
0.00 |
paid later owing 300.00 |
open |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
1,500.00 |
0.00 |
300.0000 |
0.00 |
1,800.00 |
0.00 |
| 181 |
2023-05-31 |
n/a |
n/a |
5 |
0.00 |
confirmed 200.00 |
n/a |
200.00 |
extra payment |
open |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
200.00 |
0.00 |
0.00 |
1,500.00 |
0.00 |
100.0000 |
0.00 |
1,600.00 |
0.00 |
| 183 |
2023-06-02 |
n/a |
original 500.00 |
6 |
500.00 |
n/a |
n/a |
0.00 |
paid later in full |
open |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
1,500.00 |
0.00 |
100.0000 |
0.00 |
1,600.00 |
0.00 |
| 209 |
2023-06-28 |
n/a |
n/a |
6 |
0.00 |
200.00 failed |
n/a |
0.00 |
nothing due |
open |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
1,500.00 |
0.00 |
100.0000 |
0.00 |
1,600.00 |
0.00 |
| 212 |
2023-07-01 |
n/a |
n/a |
6 |
0.00 |
confirmed 200.00 |
n/a |
200.00 |
extra payment |
open |
0.0000 |
0.0000 |
n/a |
100.00 |
0.00 |
100.00 |
0.00 |
0.00 |
1,400.00 |
0.00 |
0.0000 |
0.00 |
1,400.00 |
0.00 |
| 242 |
2023-07-31 |
n/a |
n/a |
6 |
0.00 |
200.00 failed
confirmed 200.00 |
n/a |
200.00 |
extra payment |
open |
0.0000 |
0.0000 |
n/a |
200.00 |
0.00 |
0.00 |
0.00 |
0.00 |
1,200.00 |
0.00 |
0.0000 |
0.00 |
1,200.00 |
0.00 |
| 273 |
2023-08-31 |
n/a |
n/a |
6 |
0.00 |
confirmed 200.00 |
n/a |
200.00 |
extra payment |
open |
0.0000 |
0.0000 |
n/a |
200.00 |
0.00 |
0.00 |
0.00 |
0.00 |
1,000.00 |
0.00 |
0.0000 |
0.00 |
1,000.00 |
0.00 |
| 304 |
2023-10-01 |
n/a |
n/a |
6 |
0.00 |
confirmed 200.00 |
n/a |
200.00 |
extra payment |
open |
0.0000 |
0.0000 |
n/a |
200.00 |
0.00 |
0.00 |
0.00 |
0.00 |
800.00 |
0.00 |
0.0000 |
0.00 |
800.00 |
0.00 |
| 334 |
2023-10-31 |
n/a |
n/a |
6 |
0.00 |
200.00 failed
confirmed 200.00 |
n/a |
200.00 |
extra payment |
open |
0.0000 |
0.0000 |
n/a |
200.00 |
0.00 |
0.00 |
0.00 |
0.00 |
600.00 |
0.00 |
0.0000 |
0.00 |
600.00 |
0.00 |
| 365 |
2023-12-01 |
n/a |
n/a |
6 |
0.00 |
confirmed 200.00 |
n/a |
200.00 |
extra payment |
open |
0.0000 |
0.0000 |
n/a |
200.00 |
0.00 |
0.00 |
0.00 |
0.00 |
400.00 |
0.00 |
0.0000 |
0.00 |
400.00 |
0.00 |
| 395 |
2023-12-31 |
n/a |
n/a |
6 |
0.00 |
confirmed 200.00 |
n/a |
200.00 |
extra payment |
open |
0.0000 |
0.0000 |
n/a |
200.00 |
0.00 |
0.00 |
0.00 |
0.00 |
200.00 |
0.00 |
0.0000 |
0.00 |
200.00 |
0.00 |
| 426 |
2024-01-31 |
n/a |
n/a |
6 |
0.00 |
200.00 failed
confirmed 200.00 |
n/a |
200.00 |
extra payment |
closed |
0.0000 |
0.0000 |
n/a |
200.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
Description
Realistic test 0003ff008ae5
Generated: 2025-04-28 using library version 2.2.10
Parameters
| Evaluation Date |
2024-09-17 |
| Start Date |
2022-12-01 |
| Principal |
1,500.00 |
| Schedule options |
| config: fixed schedules |
| unit-period config: monthly from 2023-01 on 02 |
payment count: 6 |
| payment value: 500.00 |
schedule type: original |
|
|
| 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 |
no charges
|
| Interest options |
| standard rate: 0.8 % per day |
method: add-on |
| rounding: rounded down |
APR method: UK FCA to 1 d.p. |
| initial grace period: 0 day(s) |
rate on negative balance: 8 % per year |
| promotional rates: n/a |
| cap: total 100 %; daily 0.8 % |
|
Initial Stats
| Initial interest balance: 1,500.00 |
Initial cost-to-borrowing ratio: 100 % |
Initial APR: 1222.9 % |
| Level payment: 500.00 |
Final payment: 500.00 |
Last scheduled payment day: 183 |
| Total scheduled payments: 3,000.00 |
Total principal: 1,500.00 |
Total interest: 1,500.00 |
Final Stats
| Generated settlement: n/a |
Final balance status: closed |
| Effective interest rate: 0.234741784 % per day |
Final cost-to-borrowing ratio: 100 % |
| Required scheduled payment count: 6 |
Last required scheduled payment day: 183 |
| Final actual payment count: 17 |
Last actual payment day: 426 |
FSharp.Finance.Personal