Bond Details

ZA (Daily / 365)

Starting Point

Current Outstanding Balance

As of Date

Remaining Term

mos

Current Interest Rate (%)

Current Monthly Payment

Debit Order Day

Calculation Rule

Lump Sum Policy

Recalculate & Lower Monthly Payment (Your bank setup) Keep Payment Same & Shorten Term

When Interest Rate Changes: Bank Rules

Adjust Monthly Payment (e.g. Rate rises → Payment increases) Keep Monthly Payment Fixed (Absorb into term length)

Recurring Extra Payments

Add additional amount XXX every month on date DD until loan hits balance YYY, until date FFF, or forever.

No recurring extra payments set. Click "+ Add Recurring Extra" above.

One-Off Lump Sum Payments

Add upcoming or past extra capital reductions. Daily interest calculations adjust immediately on the payment date.

No lump sums added yet. Click "+ Add Payment" above.

Interest Rate Changes

Simulate repo/prime rate cuts, or fixing your rate from a specific date.

No rate adjustments added. Rate remains fixed at base rate.

New Payment

Saved R0/mo vs original

Interest Saved

Total interest: R0

Payoff Date

- months remaining

Strategy Comparison

What if you kept the current payment instead?

If you keep paying your original amount rather than recalculating down, your bond finishes sooner.

Extra Interest Saved

0 yrs early

Balance Over Time

Comparing base schedule vs lump-sum accelerated schedule

Daily Accrual Model

Monthly Breakdown

Month-by-month capitalization, interest billed, and principal reduction

Quick View:

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Date	Opening	Days	Rate	Interest Charged	Payment	Lump Sum	Closing Balance

BondSmart v1.0