The Fintech Builder · complete daily calendar

Capitalize, credit, carry

Step through 35 days and see which interest earns more interest, which becomes a scheduled customer credit, and which remains rounding carry.

Synthetic Cedar product branch · USD minor units · all state is a hypothetical schedule projection. K covers the whole 35-day period.

Complete 35-day external-principal calendarAll daily baseline balances are kept, including quiet days. The highlighted bar is the current calculation day; an outlined missing date indicates incomplete evidence.1 Oct22 Oct4 NovX excludes all interest modeled by this engine.
External eligible principalCurrent day
Only X + Q + C earns. A waits for capitalization. Signed R never earns. Customer credit affects tomorrow once.

Earned through this day

Approximate minor units for readability; exact fractions are retained below.

C · capitalized, uncredited
A · uncapitalized
R · signed carry, no interest
Q · scheduled whole credits

Exact current-day fractions

Focus window · computation retains all 35 dates

DateX externalNew interest≈C≈A≈Scheduled credit
Complete 35-day audit
DateX externalNew interest≈C≈A≈Scheduled credit