Financial contract

Interest, repayments and penalties by actual days

Contract events

No events — the contract runs exactly on the terms above.

Penalty for the whole period

Penalty rate (% per year)

Interest accruals & settlements

31.10.20264 383,56 ₽
30.11.202616 438,36 ₽
31.12.202616 986,30 ₽
31.01.202716 986,30 ₽
28.02.202715 342,47 ₽
24.03.202713 150,68 ₽

Total due · 24.03.2027

1 083 287,67 ₽

over 152 days · 20% per year · interest only

Last modified: 24/10/2026, 22:03 · User: Guest

Interest accrued: 83 287,67 ₽
Outstanding principal: 1 000 000,00 ₽
Penalty · no overdue: 0,00 ₽

0 of 6 paid

Payment date	Period (days)	Rate	Interest accrued	Principal	Total debt
October 2026 — February 2027
31.10.2026	8	20%	4 383,56 ₽	1 000 000,00 ₽	1 004 383,56 ₽
30.11.2026	30	20%	16 438,36 ₽	1 000 000,00 ₽	1 020 821,92 ₽
31.12.2026	31	20%	16 986,30 ₽	1 000 000,00 ₽	1 037 808,22 ₽
31.01.2027	31	20%	16 986,30 ₽	1 000 000,00 ₽	1 054 794,52 ₽
28.02.2027	28	20%	15 342,47 ₽	1 000 000,00 ₽	1 070 136,99 ₽
March 2027 · principal returned
24.03.2027	24	20%	13 150,68 ₽	1 000 000,00 ₽	1 083 287,67 ₽
Total	152	—	83 287,67 ₽	1 000 000,00 ₽	1 083 287,67 ₽

Reference block: the method, a worked example and answers to common questions. It does not affect the calculation above.

How it is calculated

Interest is computed for every calendar day: day = debt * rate / 100 / days in year, where the day count is the actual one — 365 or 366 by that day’s leap year. The daily amount is never rounded — an exact running total accumulates, and only the total is rounded. That is why the interest column always adds up to its footer to the last kopeck.
Accrued interest rolls up into the settlement period’s charge — a calendar month by default, with weekly, quarterly, yearly and at-maturity cadences available. Each period boundary creates an obligation with its own due date.
The contract scheme sets the principal’s path. “Interest monthly, principal at the end” keeps the body whole until maturity; the annuity amortises it with a level payment PMT = K * i * (1+i)^n / ((1+i)^n - 1); “principal in equal parts, interest at the end” repays the body in instalments and defers all interest to the finale.
The plan is not an automatic write-off: a payment reduces the debt only once you mark it paid. An unticked payment keeps the body whole (interest keeps accruing on it), and from the day after its due date a penalty runs on its amount — at the global rate or in manually set windows. Penalties never accrue past the “as of” day.
Contract events apply from their dates: a rate change takes effect on its day, a draw-down raises the debt, and an early principal repayment lowers it and rebuilds the annuity plan — “shorten the term” keeps the payment and ends the contract earlier, “reduce the payment” keeps the term and recomputes the remaining payments. The “Interest saved” card compares the contract against itself without those repayments.

Worked example

The classic check: 100 000 ₽ at 36.5% per annum from 1 January to 31 December 2026. A day of interest is exactly 100 ₽ (100 000 * 36.5 / 100 / 365). January accrues 3 100 ₽ (31 days), the whole year 36 500 ₽, and “total due” shows 136 500 ₽ — principal plus interest.

If January’s 3 100 ₽ obligation stays unpaid, a penalty starts on 2 February: at the global 20% per annum, roughly 1.70 ₽ a day, and the table shows how much landed in each period. Mark the payment as paid and the penalty stops on the payment date.

Frequently asked questions

Why count interest by days rather than months?

Because that is how most banks charge and how courts expect a debt to be computed: the balance changes on specific dates — repayments, draw-downs, a new rate — and only a daily count honours each of them exactly. A monthly formula averages and errs on every mid-month event.

How do the three contract schemes differ?

“Interest monthly, principal at the end” — you pay interest only and return the body in one payment. The annuity is one level payment whose principal share grows while the interest share falls. “Principal in equal parts, interest at the end” reduces the debt from the first period but defers all interest. At one term and rate their total interest differs, because interest accrues on a different balance.

Why doesn’t “total due” fall by itself along the plan?

A plan is an expectation, not a payment. Until an instalment is marked paid, the principal remains owed and keeps earning interest — exactly as in real life. Ticking it applies its principal part on the day the plan would have.

How is the penalty computed?

Per overdue obligation, from the day after its due date, as a daily rate on its unpaid balance. A dated partial payment reduces the penalty base from its date. Penalties never run into the future: the “as of” day is the cap, and you can pull it back to see the state at an earlier date.

Early repayment: shorten the term or reduce the payment?

Shortening the term almost always saves more interest — the money stops being owed sooner. Reducing the payment eases the monthly load but stretches the debt over the original term. Enter the repayment in both modes and compare the “Interest saved” card.

Can I use this in a claim or in court?

The computation runs on actual days with exact accumulation and a single rounding — the methodology a debt calculation is expected to follow. Export the table to Excel or Word with the “Download” button and attach it, or hand the whole calculation to the other side with the “Share” link.