Free & Precise Loan Calculation
ACT/365F
Uses actual calendar days with a fixed denominator of 365.
YearFraction = actualDays / 365
"Repayment Start" only marks when the repayment phase begins. Under the current repayment schedule, the first actual payment will be on 31.01.2026.
No grace period available. Set "Repayment Start" to a later date than the transfer date.
When activated, you can define additional repayments before the regular repayment schedule.