UnitPeriodConfigTest001

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	2023-04-13	700.00	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	700.00	1,081.29	0.0000	0.00	1,781.29	1,081.29
6	2023-04-19	n/a	n/a	0	0.00	confirmed 172.75	n/a	172.75	extra payment	open	2.9135	2.9135	n/a	66.74	103.10	2.91	0.00	0.00	633.26	978.19	0.0000	0.00	570.45	1,041.00
7	2023-04-20	n/a	original 151.86	1	0.00	n/a	n/a	0.00	nothing due	open	0.4393	0.4393	n/a	0.00	0.00	0.00	0.00	0.00	633.26	978.19	0.4393	0.00	577.60	1,034.28
21	2023-05-04	n/a	original 151.86	2	130.97	confirmed 172.75	n/a	172.75	overpayment	open	6.1500	6.1500	n/a	65.30	100.87	6.58	0.00	0.00	567.96	877.32	0.0000	0.00	505.02	940.26
35	2023-05-18	n/a	original 151.86	3	110.08	confirmed 172.75	n/a	172.75	overpayment	open	5.5158	5.5158	n/a	65.72	101.52	5.51	0.00	0.00	502.24	775.80	0.0000	0.00	431.81	846.23
49	2023-06-01	n/a	original 151.86	4	89.19	172.75 failed 172.75 failed	n/a	0.00	paid later in full	open	4.8776	4.8776	n/a	0.00	0.00	0.00	0.00	0.00	502.24	775.80	4.8776	0.00	530.70	752.21
50	2023-06-02	n/a	n/a	4	0.00	confirmed 172.75	n/a	172.75	extra payment	open	0.3484	0.3484	n/a	65.83	101.70	5.22	0.00	0.00	436.41	674.10	0.0000	0.00	365.02	745.49
63	2023-06-15	n/a	original 151.86	5	68.30	n/a	n/a	0.00	paid later in full	open	3.9355	3.9355	n/a	0.00	0.00	0.00	0.00	0.00	436.41	674.10	3.9355	0.00	456.26	658.18
64	2023-06-16	n/a	n/a	5	0.00	confirmed 172.75	n/a	172.75	extra payment	open	0.3027	0.3027	n/a	66.22	102.30	4.23	0.00	0.00	370.19	571.80	0.0000	0.00	290.52	651.47
77	2023-06-29	n/a	original 151.86	6	47.41	n/a	n/a	0.00	paid later in full	open	3.3383	3.3383	n/a	0.00	0.00	0.00	0.00	0.00	370.19	571.80	3.3383	0.00	381.16	564.16
80	2023-07-02	n/a	n/a	6	0.00	confirmed 172.75	n/a	172.75	extra payment	open	0.7704	0.7704	n/a	66.27	102.38	4.10	0.00	0.00	303.92	469.42	0.0000	0.00	229.33	544.01
91	2023-07-13	n/a	original 151.86	7	26.52	n/a	n/a	0.00	paid later in full	open	2.3190	2.3190	n/a	0.00	0.00	0.00	0.00	0.00	303.92	469.42	2.3190	0.00	305.52	470.13
94	2023-07-16	n/a	n/a	7	0.00	confirmed 174.88	n/a	174.88	extra payment	open	0.6324	0.6324	n/a	67.56	104.37	2.95	0.00	0.00	236.36	365.05	0.0000	0.00	151.43	449.98
105	2023-07-27	n/a	original 151.86	8	3.50	n/a	n/a	0.00	paid later in full	open	1.8034	1.8034	n/a	0.00	0.00	0.00	0.00	0.00	236.36	365.05	1.8034	0.00	227.10	376.11
108	2023-07-30	n/a	n/a	8	0.00	174.88 failed 174.88 failed	n/a	0.00	nothing due	open	0.4918	0.4918	n/a	0.00	0.00	0.00	0.00	0.00	236.36	365.05	2.2952	0.00	247.74	355.96
109	2023-07-31	n/a	n/a	8	0.00	174.88 failed	n/a	0.00	nothing due	open	0.1639	0.1639	n/a	0.00	0.00	0.00	0.00	0.00	236.36	365.05	2.4592	0.00	254.62	349.24
111	2023-08-02	n/a	n/a	8	0.00	177.01 failed 177.01 failed	n/a	0.00	nothing due	open	0.3279	0.3279	n/a	0.00	0.00	0.00	0.00	0.00	236.36	365.05	2.7871	0.00	268.38	335.81
112	2023-08-03	n/a	n/a	8	0.00	177.72 failed 177.72 failed confirmed 177.72	n/a	177.72	extra payment	open	0.1639	0.1639	n/a	68.68	106.09	2.95	0.00	0.00	167.68	258.96	0.0000	0.00	97.55	329.09
119	2023-08-10	n/a	original 151.86	9	0.00	n/a	n/a	0.00	nothing due	open	0.8141	0.8141	n/a	0.00	0.00	0.00	0.00	0.00	167.68	258.96	0.8141	0.00	145.37	282.08
122	2023-08-13	n/a	n/a	9	0.00	confirmed 174.88	n/a	174.88	extra payment	refund due	0.3489	0.3489	n/a	173.72	0.00	1.16	0.00	261.93	-6.04	-2.97	0.0000	0.00	-9.01	261.93
128	2023-08-19	n/a	n/a	9	0.00	confirmed 235.21	n/a	235.21	overpayment	refund due	0.0000	0.0000	n/a	238.18	-2.97	0.00	0.00	0.00	-244.22	0.00	0.0000	0.00	-244.22	221.64
133	2023-08-24	n/a	original 151.86	10	0.00	n/a	n/a	0.00	no longer required	refund due	0.0000	0.0000	n/a	0.00	0.00	0.00	0.00	0.00	-244.22	0.00	0.0000	0.00	-244.22	0.00
147	2023-09-07	n/a	original 151.86	11	0.00	n/a	n/a	0.00	no longer required	refund due	0.0000	0.0000	n/a	0.00	0.00	0.00	0.00	0.00	-244.22	0.00	0.0000	0.00	-244.22	0.00
161	2023-09-21	n/a	original 151.79	12	0.00	n/a	n/a	0.00	no longer required	refund due	0.0000	0.0000	n/a	0.00	0.00	0.00	0.00	0.00	-244.22	0.00	0.0000	0.00	-244.22	0.00
327	2024-03-05	n/a	n/a	12	0.00	n/a	-244.22	-244.22	generated	closed	0.0000	0.0000	n/a	-244.22	0.00	0.00	0.00	0.00	0.00	0.00	0.0000	0.00	0.00	0.00

Description

Irregular payment schedule does not break APR calculation

Generated: 2025-04-17 using library version 2.2.0

Parameters

As-of	2024-03-05
Start	2023-04-13
Principal	700.00
Schedule options	config: auto-generate schedule schedule length: payment count 12 unit-period config: 2-weekly from 2023-04-20
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 %	Initial APR: 559.006 %
Level payment: 151.86	Final payment: 151.79	Final scheduled payment day: 161
Total scheduled payments: 1,822.25	Total principal: 1,781.29	Total interest: 40.96

Final Stats

Effective interest rate: 0.007167431193 % per day	Final cost-to-borrowing ratio: 122.14 %	Final APR: 986.813 %
Final scheduled payment count: 12	Final actual payment count: 19	Final actual payment day: 128