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Catherine Renelle 428e18bb41 Fix date display timezone shift and revert to standard monthly interest
formatDate was parsing UTC timestamps in local time, shifting dates
back a day in western timezones. Strip the time portion before parsing
so dates display correctly.

Revert interest calculation from daily accrual back to standard monthly
compounding (rate/12) with per-payment rounding. This matches how
mortgage servicers calculate interest and produces correct amortization
schedules.

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>
2026-02-14 17:26:55 -05:00
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