AMORTANCE — SAMPLE DEALER REVIEW
Synthetic data. Illustrative exported figures, not a customer finding.

Scope: one plan, one check of interest allocated in payment 13.
Plan: DEMO-DEALER-01
Currency: USD

Selected contract rules
- Simple interest at 19.90% APR on outstanding principal, actual/365.
- Accrued interest is paid before principal.
- Payments are 235.35 every 14 days.
- The payment due on 3 July 2026 is deferred; interest continues to accrue.
- A $25.00 deferral fee is added to principal on 3 July.
- The next payment is collected on 17 July 2026.

Check | Exported | Recomputed | Difference | Status
DEF-01 | 107.45 | 214.71 | 107.26 | difference

Finding
The illustrative export charges only the interest from 3–17 July.
The selected contract also requires the unpaid interest from 19 June–3 July.
That leaves 107.26 allocated to principal instead of accrued interest.

Action
Carry the deferred interest forward and replay the schedule from 3 July.
Compare the resulting principal and subsequent balances with the export.

Limits
This finding follows the selected contract rules and covers one synthetic check.
Unclear contract terms must be agreed before classifying a difference as an error.

Full calculation: https://amortance.com/bhph
Inputs and expected results: https://amortance.com/bhph.json
Independent verifier: https://amortance.com/verify.py