UnitPeriodConfigTest000

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	2022-05-05	1,000.00	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	1,000.00	1,544.70	0.0000	0.00	2,544.70	1,544.70
8	2022-05-13	n/a	original 217.00	1	217.00	confirmed 217.00	n/a	217.00	payment made	open	5.5495	5.5495	n/a	83.09	128.37	5.54	0.00	0.00	916.91	1,416.33	0.0000	0.00	864.82	1,468.42
22	2022-05-27	n/a	original 217.00	2	217.00	217.00 failed 217.00 failed 217.00 failed	n/a	0.00	paid later in full	open	8.9047	8.9047	n/a	0.00	0.00	0.00	0.00	0.00	916.91	1,416.33	8.9047	0.00	1,007.21	1,334.93
25	2022-05-30	n/a	n/a	2	0.00	confirmed 217.00	n/a	217.00	extra payment	open	1.9081	1.9081	n/a	81.02	125.17	10.81	0.00	0.00	835.89	1,291.16	0.0000	0.00	820.72	1,306.33
36	2022-06-10	n/a	original 217.00	3	217.00	n/a	n/a	0.00	paid later in full	open	6.3782	6.3782	n/a	0.00	0.00	0.00	0.00	0.00	835.89	1,291.16	6.3782	0.00	931.98	1,201.44
39	2022-06-13	n/a	n/a	3	0.00	217.00 failed 217.00 failed 217.00 failed	n/a	0.00	nothing due	open	1.7395	1.7395	n/a	0.00	0.00	0.00	0.00	0.00	835.89	1,291.16	8.1178	0.00	962.33	1,172.83
45	2022-06-19	n/a	n/a	3	0.00	217.00 failed confirmed 217.00	n/a	217.00	extra payment	open	3.4790	3.4790	n/a	80.72	124.69	11.59	0.00	0.00	755.17	1,166.47	0.0000	0.00	806.02	1,115.62
50	2022-06-24	n/a	original 217.00	4	217.00	217.00 failed 217.00 failed 217.00 failed	n/a	0.00	paid later in full	open	2.6192	2.6192	n/a	0.00	0.00	0.00	0.00	0.00	755.17	1,166.47	2.6192	0.00	856.30	1,067.95
53	2022-06-27	n/a	n/a	4	0.00	217.00 failed 217.00 failed 217.00 failed	n/a	0.00	nothing due	open	1.5715	1.5715	n/a	0.00	0.00	0.00	0.00	0.00	755.17	1,166.47	4.1908	0.00	886.49	1,039.34
56	2022-06-30	n/a	n/a	4	0.00	confirmed 217.00	n/a	217.00	extra payment	open	1.5715	1.5715	n/a	83.01	128.23	5.76	0.00	0.00	672.16	1,038.24	0.0000	0.00	699.67	1,010.73
64	2022-07-08	n/a	original 217.00	5	217.00	n/a	n/a	0.00	missed payment	open	3.7301	3.7301	n/a	0.00	0.00	0.00	0.00	0.00	672.16	1,038.24	3.7301	0.00	779.68	934.45
67	2022-07-11	n/a	n/a	5	0.00	217.00 failed 217.00 failed 217.00 failed	n/a	0.00	nothing due	open	1.3988	1.3988	n/a	0.00	0.00	0.00	0.00	0.00	672.16	1,038.24	5.1289	0.00	809.67	905.85
73	2022-07-17	n/a	n/a	5	0.00	217.00 failed 217.00 failed 217.00 failed	n/a	0.00	nothing due	open	2.7976	2.7976	n/a	0.00	0.00	0.00	0.00	0.00	672.16	1,038.24	7.9264	0.00	869.68	848.64
78	2022-07-22	n/a	original 217.00	6	217.00	217.00 failed 217.00 failed 217.00 failed	n/a	0.00	missed payment	open	2.3313	2.3313	n/a	0.00	0.00	0.00	0.00	0.00	672.16	1,038.24	10.2577	0.00	919.69	800.96
79	2022-07-23	n/a	n/a	6	0.00	217.00 failed 217.00 failed 217.00 failed	n/a	0.00	nothing due	open	0.4663	0.4663	n/a	0.00	0.00	0.00	0.00	0.00	672.16	1,038.24	10.7240	0.00	929.69	791.43
92	2022-08-05	n/a	original 217.00	7	217.00	n/a	n/a	0.00	missed payment	open	6.0614	6.0614	n/a	0.00	0.00	0.00	0.00	0.00	672.16	1,038.24	16.7854	0.00	1,059.71	667.47
106	2022-08-19	n/a	original 217.00	8	217.00	n/a	n/a	0.00	missed payment	open	6.5276	6.5276	n/a	0.00	0.00	0.00	0.00	0.00	672.16	1,038.24	23.3130	0.00	1,199.73	533.98
120	2022-09-02	n/a	original 217.00	9	217.00	n/a	n/a	0.00	missed payment	open	6.5276	6.5276	n/a	0.00	0.00	0.00	0.00	0.00	672.16	1,038.24	29.8406	0.00	1,339.76	400.48
134	2022-09-16	n/a	original 217.00	10	217.00	n/a	n/a	0.00	missed payment	open	6.5276	6.5276	n/a	0.00	0.00	0.00	0.00	0.00	672.16	1,038.24	36.3683	0.00	1,479.77	266.99
148	2022-09-30	n/a	original 217.00	11	217.00	n/a	n/a	0.00	missed payment	open	6.5276	6.5276	n/a	0.00	0.00	0.00	0.00	0.00	672.16	1,038.24	42.8959	0.00	1,619.79	133.50
162	2022-10-14	n/a	original 216.96	12	216.96	n/a	n/a	0.00	paid later in full	open	6.5276	6.5276	n/a	0.00	0.00	0.00	0.00	0.00	672.16	1,038.24	49.4235	0.00	1,759.82	0.00
274	2023-02-03	n/a	n/a	12	0.00	260.36 failed	n/a	0.00	nothing due	open	52.2211	52.2211	n/a	0.00	0.00	0.00	0.00	0.00	672.16	1,038.24	101.6446	0.00	1,812.04	0.00
302	2023-03-03	n/a	n/a	12	0.00	260.36 failed	n/a	0.00	nothing due	open	13.0553	13.0553	n/a	0.00	0.00	0.00	0.00	0.00	672.16	1,038.24	114.6999	0.00	1,825.09	0.00
330	2023-03-31	n/a	n/a	12	0.00	confirmed 217.00	n/a	217.00	extra payment	open	13.0553	13.0553	n/a	35.07	54.18	127.75	0.00	0.00	637.09	984.06	0.0000	0.00	1,621.15	0.00
670	2024-03-05	n/a	n/a	12	0.00	n/a	1,771.40	1,771.40	generated	closed	150.2562	150.2562	n/a	637.09	984.06	150.25	0.00	0.00	0.00	0.00	0.0000	0.00	0.00	0.00

Description

Irregular payment schedule does not break detect function

Generated: 2025-04-17 using library version 2.2.0

Parameters

As-of	2024-03-05
Start	2022-05-05
Principal	1,000.00
Schedule options	config: auto-generate schedule schedule length: payment count 12 unit-period config: 2-weekly from 2022-05-13
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	fee type: CAB/CSO fee 154.47 % rounding: rounded down fee amortisation: amortise proportionately settlement rebate: pro-rata rebate
Charge options	no charges
Interest options	standard rate: 9.95 % per year method: simple rounding: rounded down APR method: US CFPB actuarial to 3 d.p. initial grace period: 3 day(s) rate on negative balance: zero promotional rates: n/a cap: total n/a; daily n/a

Initial Stats

Initial interest balance: 0.00	Initial cost-to-borrowing ratio: 63.03 %	Initial APR: 548.364 %
Level payment: 217.00	Final payment: 216.96	Final scheduled payment day: 162
Total scheduled payments: 2,603.96	Total principal: 2,544.70	Total interest: 59.26

Final Stats

Effective interest rate: 0.01828207178 % per day	Final cost-to-borrowing ratio: 185.64 %	Final APR: 56.513 %
Final scheduled payment count: 12	Final actual payment count: 32	Final actual payment day: 330