{
  "protocol": "makeitexact-loan-conformance",
  "version": "1.0",
  "published": "2026-08-20",
  "cases": 2688,
  "scope": [
    "Amortising loan, fixed rate, level monthly payments.",
    "Nominal annual rate divided by twelve. No effective-rate conversion.",
    "Payments at the end of each period.",
    "No fees, insurance, tax, calendar dates or early repayment."
  ],
  "excluded": [
    "Nominal vs effective vs APR: different quantities, not different answers.",
    "30/360 vs Act/365 vs Act/Act day counts.",
    "Rounding each month vs rounding at the end.",
    "An adjusted final payment.",
    "An irregular first period."
  ],
  "tolerance": "A result is conforming when it matches monthlyPayment to within one cent. Report a difference in the last displayed digit as well as in absolute value.",
  "method": "monthlyPayment is the level payment that leaves nothing owing after the last instalment. It is verified twice: by the closed form, and by bisection on the replayed balance, which uses no formula at all.",
  "licence": "CC0 1.0 — public domain. Reuse, redistribute and modify without asking.",
  "data": [
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      "annualRatePercent": 0,
      "months": 1,
      "monthlyPayment": 1000
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    {
      "id": 2,
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      "annualRatePercent": 0,
      "months": 2,
      "monthlyPayment": 500
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    {
      "id": 3,
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      "annualRatePercent": 0,
      "months": 3,
      "monthlyPayment": 333.3333333333
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    {
      "id": 4,
      "principal": 1000,
      "annualRatePercent": 0,
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      "monthlyPayment": 166.6666666667
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    {
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      "monthlyPayment": 83.3333333333
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    {
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      "annualRatePercent": 0,
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    {
      "id": 7,
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      "annualRatePercent": 0,
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      "monthlyPayment": 27.7777777778
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    {
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