ActualPaymentTestExtra003
| Day |
Datestamp |
Advances |
Scheduled payment |
Window |
Payment due |
Actual payments |
Net effect |
Payment status |
Balance status |
New charges |
Charges portion |
Actuarial interest |
New interest |
Interest portion |
Fee rebate if settled |
Fee rebate |
Fee portion |
Principal portion |
Charges balance |
Interest balance |
Fee balance |
Principal balance |
Settlement figure |
| 0 |
2023-11-06 |
800.00 |
n/a |
0 |
0.00 |
n/a |
0.00 |
none scheduled |
open |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.0000 |
1,312.00 |
800.00 |
2,112.00 |
| 17 |
2023-11-23 |
n/a |
original 137.48 |
1 |
137.48 |
confirmed 137.48 |
137.48 |
payment made |
open |
n/a |
0.00 |
43.0848 |
43.0848 |
43.08 |
0.00 |
0.00 |
58.65 |
35.75 |
0.00 |
0.0000 |
1,253.35 |
764.25 |
2,017.60 |
| 73 |
2024-01-18 |
n/a |
original 137.48 |
2 |
137.48 |
confirmed 137.48 |
137.48 |
payment made |
open |
n/a |
0.00 |
135.5827 |
135.5827 |
135.58 |
0.00 |
0.00 |
1.19 |
0.71 |
0.00 |
0.0000 |
1,252.16 |
763.54 |
2,015.70 |
| 129 |
2024-03-14 |
n/a |
original 137.48 |
3 |
137.48 |
confirmed 137.48 |
137.48 |
payment made |
open |
n/a |
0.00 |
135.4550 |
135.4550 |
135.45 |
0.00 |
0.00 |
1.27 |
0.76 |
0.00 |
0.0000 |
1,250.89 |
762.78 |
2,013.67 |
| 185 |
2024-05-09 |
n/a |
original 137.48 |
4 |
137.48 |
confirmed 137.48 |
137.48 |
payment made |
open |
n/a |
0.00 |
135.3186 |
135.3186 |
135.31 |
0.00 |
0.00 |
1.35 |
0.82 |
0.00 |
0.0000 |
1,249.54 |
761.96 |
2,011.50 |
| 241 |
2024-07-04 |
n/a |
original 137.48 |
5 |
137.48 |
confirmed 137.48 |
137.48 |
payment made |
open |
n/a |
0.00 |
50.5588 |
50.5800 |
50.58 |
0.00 |
0.00 |
53.99 |
32.91 |
0.00 |
0.0000 |
1,195.55 |
729.05 |
1,924.60 |
| 297 |
2024-08-29 |
n/a |
original 137.48 |
6 |
137.48 |
confirmed 137.48 |
137.48 |
payment made |
open |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
85.41 |
52.07 |
0.00 |
0.0000 |
1,110.14 |
676.98 |
1,787.12 |
| 353 |
2024-10-24 |
n/a |
original 137.48 |
7 |
137.48 |
confirmed 137.48 |
137.48 |
payment made |
open |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
85.41 |
52.07 |
0.00 |
0.0000 |
1,024.73 |
624.91 |
1,649.64 |
| 409 |
2024-12-19 |
n/a |
original 137.48 |
8 |
137.48 |
confirmed 137.48 |
137.48 |
payment made |
open |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
85.41 |
52.07 |
0.00 |
0.0000 |
939.32 |
572.84 |
1,512.16 |
| 465 |
2025-02-13 |
n/a |
original 137.48 |
9 |
137.48 |
confirmed 137.48 |
137.48 |
payment made |
open |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
85.41 |
52.07 |
0.00 |
0.0000 |
853.91 |
520.77 |
1,374.68 |
| 521 |
2025-04-10 |
n/a |
original 137.48 |
10 |
137.48 |
confirmed 137.48 |
137.48 |
payment made |
open |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
85.41 |
52.07 |
0.00 |
0.0000 |
768.50 |
468.70 |
1,237.20 |
| 577 |
2025-06-05 |
n/a |
original 137.48 |
11 |
137.48 |
confirmed 137.48 |
137.48 |
payment made |
open |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
85.41 |
52.07 |
0.00 |
0.0000 |
683.09 |
416.63 |
1,099.72 |
| 633 |
2025-07-31 |
n/a |
original 137.48 |
12 |
137.48 |
confirmed 137.48 |
137.48 |
payment made |
open |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
85.41 |
52.07 |
0.00 |
0.0000 |
597.68 |
364.56 |
962.24 |
| 689 |
2025-09-25 |
n/a |
original 137.48 |
13 |
137.48 |
confirmed 137.48 |
137.48 |
payment made |
open |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
85.41 |
52.07 |
0.00 |
0.0000 |
512.27 |
312.49 |
824.76 |
| 745 |
2025-11-20 |
n/a |
original 137.48 |
14 |
137.48 |
confirmed 137.48 |
137.48 |
payment made |
open |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
85.41 |
52.07 |
0.00 |
0.0000 |
426.86 |
260.42 |
687.28 |
| 801 |
2026-01-15 |
n/a |
original 137.48 |
15 |
137.48 |
confirmed 137.48 |
137.48 |
payment made |
open |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
85.41 |
52.07 |
0.00 |
0.0000 |
341.45 |
208.35 |
549.80 |
| 857 |
2026-03-12 |
n/a |
original 137.48 |
16 |
137.48 |
confirmed 137.48 |
137.48 |
payment made |
open |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
85.41 |
52.07 |
0.00 |
0.0000 |
256.04 |
156.28 |
412.32 |
| 913 |
2026-05-07 |
n/a |
original 137.48 |
17 |
137.48 |
confirmed 137.48 |
137.48 |
payment made |
open |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
85.41 |
52.07 |
0.00 |
0.0000 |
170.63 |
104.21 |
274.84 |
| 969 |
2026-07-02 |
n/a |
original 137.48 |
18 |
137.48 |
confirmed 137.48 |
137.48 |
payment made |
open |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
85.41 |
52.07 |
0.00 |
0.0000 |
85.22 |
52.14 |
137.36 |
| ★ 1025 |
2026-08-27 |
n/a |
original 137.36 |
19 |
137.36 |
confirmed 137.36 |
137.36 |
payment made |
closed |
n/a |
0.00 |
0.0000 |
0.0000 |
0.00 |
0.00 |
0.00 |
85.22 |
52.14 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
Key: ★ = evaluation day; ✓ = settlement day
Final Stats
| Generated settlement: n/a |
Final balance status: closed |
| Effective interest rate: 0.02309682188 % per day |
Final cost-to-borrowing ratio: 226.5 % |
| Required scheduled payment count: 19 |
Last required scheduled payment day: 1025 |
| Final actual payment count: 19 |
Last actual payment day: 1025 |
Description
never settles down
Generated: see details
Basic Parameters
| Evaluation Date |
2026-08-27 |
| Start Date |
2023-11-06 |
| Principal |
800.00 |
| Schedule options |
| config: auto-generate schedule |
schedule length: payment count 19 |
| unit-period config: 8-weekly from 2023-11-23 |
|
| Payment options |
| rounding: rounded up |
| level-payment option: lower final payment |
|
| Fee options |
| fee type: CAB/CSO fee 164 % |
rounding: rounded down |
| fee amortisation: amortise proportionately |
|
| Interest options |
| standard rate: 0.12 % per day |
method: actuarial |
| rounding: rounded down |
APR method: US CFPB actuarial to 6 d.p. |
| cap: total 500.00; daily n/a |
|
Advanced Parameters
| Payment options |
| scheduling: as scheduled |
timeout: 3 days |
| minimum: defer or write off up to 0.50 |
|
| Interest options |
| initial grace period: 7 day(s) |
rate on negative balance: zero |
| promotional rates: n/a |
|
| Fee options |
| settlement rebate: no rebate |
|
| Charge options |
| Type |
Charge |
Grouping |
Holidays |
| late payment |
10.00 | one charge per day | n/a |
| insufficient funds |
7.50 | one charge per day | n/a |
|
| Settlement day | n/a |
| Trim unrequired payments | false |
Initial Schedule
| Day |
Scheduled payment |
Actuarial interest |
Interest portion |
Principal portion |
Interest balance |
Principal balance |
Total actuarial interest |
Total interest |
Total principal |
| 0 |
0.00 |
0.0000 |
0.00 |
0.00 |
0.00 |
2,112.00 |
0.0000 |
0.00 |
0.00 |
| 17 |
137.48 |
43.0848 |
43.08 |
94.40 |
0.00 |
2,017.60 |
43.0848 |
43.08 |
94.40 |
| 73 |
137.48 |
135.5827 |
135.58 |
1.90 |
0.00 |
2,015.70 |
178.6675 |
178.66 |
96.30 |
| 129 |
137.48 |
135.4550 |
135.45 |
2.03 |
0.00 |
2,013.67 |
314.1226 |
314.11 |
98.33 |
| 185 |
137.48 |
135.3186 |
135.31 |
2.17 |
0.00 |
2,011.50 |
449.4412 |
449.42 |
100.50 |
| 241 |
137.48 |
50.5588 |
50.58 |
86.90 |
0.00 |
1,924.60 |
500.0000 |
500.00 |
187.40 |
| 297 |
137.48 |
0.0000 |
0.00 |
137.48 |
0.00 |
1,787.12 |
500.0000 |
500.00 |
324.88 |
| 353 |
137.48 |
0.0000 |
0.00 |
137.48 |
0.00 |
1,649.64 |
500.0000 |
500.00 |
462.36 |
| 409 |
137.48 |
0.0000 |
0.00 |
137.48 |
0.00 |
1,512.16 |
500.0000 |
500.00 |
599.84 |
| 465 |
137.48 |
0.0000 |
0.00 |
137.48 |
0.00 |
1,374.68 |
500.0000 |
500.00 |
737.32 |
| 521 |
137.48 |
0.0000 |
0.00 |
137.48 |
0.00 |
1,237.20 |
500.0000 |
500.00 |
874.80 |
| 577 |
137.48 |
0.0000 |
0.00 |
137.48 |
0.00 |
1,099.72 |
500.0000 |
500.00 |
1,012.28 |
| 633 |
137.48 |
0.0000 |
0.00 |
137.48 |
0.00 |
962.24 |
500.0000 |
500.00 |
1,149.76 |
| 689 |
137.48 |
0.0000 |
0.00 |
137.48 |
0.00 |
824.76 |
500.0000 |
500.00 |
1,287.24 |
| 745 |
137.48 |
0.0000 |
0.00 |
137.48 |
0.00 |
687.28 |
500.0000 |
500.00 |
1,424.72 |
| 801 |
137.48 |
0.0000 |
0.00 |
137.48 |
0.00 |
549.80 |
500.0000 |
500.00 |
1,562.20 |
| 857 |
137.48 |
0.0000 |
0.00 |
137.48 |
0.00 |
412.32 |
500.0000 |
500.00 |
1,699.68 |
| 913 |
137.48 |
0.0000 |
0.00 |
137.48 |
0.00 |
274.84 |
500.0000 |
500.00 |
1,837.16 |
| 969 |
137.48 |
0.0000 |
0.00 |
137.48 |
0.00 |
137.36 |
500.0000 |
500.00 |
1,974.64 |
| 1025 |
137.36 |
0.0000 |
0.00 |
137.36 |
0.00 |
0.00 |
500.0000 |
500.00 |
2,112.00 |
Initial Stats
| Initial interest balance: 0.00 |
Initial cost-to-borrowing ratio: 85.8 % |
Initial APR: 1831.898315 % |
| Level payment: 137.48 |
Final payment: 137.36 |
Last scheduled payment day: 1025 |
| Total scheduled payments: 2,612.00 |
Total principal: 2,112.00 |
Total interest: 500.00 |
FSharp.Finance.Personal