Current calculation methodology version: 2026-09-10.2.
Money is integer cents. Rates are basis points. Monthly interest and payments use explicit cent rounding. A language model never calculates a balance, APR, payment, date, or eligibility result.
Offer X-Ray models cash received, required payments, and financing cost from the values you enter. The Denial Notice Navigator maps only the reasons you select to verification steps. The Statement-Date Planner estimates a chosen target balance; the due date still controls on-time payment.
Outputs are estimates. The signed disclosure, notice, or statement controls.