b7ef9e36ce03a72b84aee83f0eb2b0eaf18acf1d
The amortization schedule and payoff calculator were using rate/12 for monthly interest, which assumes 30.42 days per period and overestimates interest. Switch to daily accrual (rate/365 * actual days) to match how lenders actually compute interest between payment dates. Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>
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