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Catherine Renelle b7ef9e36ce Fix loan interest calculation to use daily accrual instead of rate/12
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>
2026-02-14 16:52:50 -05:00
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