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Testing Improved Payoff Formula Implementation
Formula: Total Payoff = P + (P × R/365 × D)
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=== Test Case 1: Standard Loan ===
Original Principal: 903,225.15
After payment 1: Balance = 882,257.40
After payment 2: Balance = 861,079.98
After payment 3: Balance = 839,690.78
After payment 4: Balance = 818,087.68
After payment 5: Balance = 796,268.56

Outstanding Principal: 796,268.56
Pro-rated Interest (7 days): 1,832.51
Total Payoff Amount: 798,101.07

=== Test Case 2: Imported Loan (URL013572 Example) ===
Original Principal: 5,350,013.32

After 5 payments:
Outstanding Principal: 4,716,484.48
Pro-rated Interest (7 days): 10,854.38
Total Payoff Amount: 4,727,338.86

Old Factor-based Calculation: 3,774,876.79
Difference: 952,462.07

=== Test Case 3: Effect of Days Since Payment ===
Outstanding Principal: 500,000.00
Annual Rate: 12%

Days: 1 | Interest: 164.38 | Total Payoff: 500,164.38
Days: 7 | Interest: 1,150.68 | Total Payoff: 501,150.68
Days: 15 | Interest: 2,465.75 | Total Payoff: 502,465.75
Days: 30 | Interest: 4,931.51 | Total Payoff: 504,931.51
Days: 45 | Interest: 7,397.26 | Total Payoff: 507,397.26

=== Test Case 4: Zero Interest Loan ===
Principal: 1,000,000.00
Annual Rate: 0%
Days Since Payment: 30
Pro-rated Interest: 0.00
Total Payoff: 1,000,000.00

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All tests completed successfully!
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