Savings Prepayment & Delay (Seonnap-iyeon)
Simulate savings deposit dates to calculate prepayment/delay days, actual maturity, and net interest
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Optimize your savings efficiency. Calculate cumulative prepayment and delay days, and simulate advanced payment strategies (6-1-5, 1-11 rules) to keep your interest intact.
How to use
- Enter monthly deposit, annual rate, and open date.
- Choose a strategy (6-1-5 rule, 1-11 rule, or custom manual entry).
- Set actual deposit dates per installment, check net days, and inspect simulated payouts.
FAQ
- What is the 6-1-5 rule?
- Depositing 6 installments on Day 1, 1 installment at Month 7, and the remaining 5 installments on the final day, balancing prepays and delays to prevent maturity delay.