Read repayment forecasts and settlement estimates
Use prospective repayment plans and settlement estimates while keeping actual payments and the contractual ledger separate.
Separate forecasts from posted history
Open a loan’s repayment forecast or the public calculators. A forecast uses stated assumptions to estimate payments; it does not create a receipt, amend a contract or replace the actual saved ledger.
Choose supported assumptions
Check amount, rate, repayment style, dates, rate basis and any interest-only or bullet assumptions shown. Equal-payment, equal-principal and bullet schedules can produce different principal and interest patterns.
Check month-end behaviour
A retained day returns after a shorter month. Last day of every month is a separate explicit choice. Check February and the final instalment rather than assuming that every payment interval has equal days.
Review a settlement estimate
For a quote or calculator, check selected date, applicable rules, current state, closure fee, minimum period and proposed waiver assumptions. Estimates do not invent future receipts or future rule changes.
Record actual money separately
Generating or printing a quote does not pay off or close the agreement, apply borrower credit or issue a refund. Record and verify the actual reviewed cash and permitted adjustments through the financial workflow.
Check your result
- The result is labelled as a forecast or estimate.
- Dates, method and final payment were checked.
- No estimated instalment was treated as a saved receipt.