47010e5f55e6498cb132f78b84c572c57d7f6ea7
Daily accrual made HELOC estimates worse due to front-loaded 31-day months. Revert to rate/12 for all types - it's the standard amortization method and works well for mortgages and personal loans. For HELOCs and auto loans, differences from bank statements are typically due to variable rates, extra payments, or daily billing conventions that a fixed amortization schedule cannot capture. Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>
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