=== Testing Loan Topup Payoff Balance Calculation ===

Test Case 1: URL013572
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Principal: 6,397,076.00
Monthly Payment: 177,697.00
Annual Rate: 12%
Total Tenure: 36 months
Installments Paid: 5
Remaining Payments: 31
Calculated Payoff: 4,716,484.48

Test Case 2: URL002224
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Principal: 18,980,000.00
Calculated Monthly Payment: 491,861.75
Annual Rate: 12%
Total Tenure: 49 months
Installments Paid: 15
Remaining Payments: 34
Calculated Payoff: 14,117,743.53

Test Case 3: Simple Loan (1M, 12 months, 3 paid)
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Principal: 1,000,000.00
Calculated Monthly Payment: 88,848.79
Annual Rate: 12%
Total Tenure: 12 months
Installments Paid: 3
Remaining Payments: 9
Calculated Payoff: 761,080.29

=== Summary ===
The payoff calculation uses the standard reducing balance formula:
Payoff = Monthly Payment × [1 - (1+r)^(-remaining)] / r
Where r = monthly interest rate, remaining = remaining payments