After running a penalty calculation, the Penalty Calculator gives you two downloadable PDFs you can send to clients or use for prep.
The Two Downloads
- Penalty Result PDF - the headline math: IRD vs 3-month interest, the effective penalty, the inputs you used.
- Lender Options PDF - the full comparison table across every lender, with savings ranked.
Click the download button on the result page to get either (or both).
When To Use Each
- Penalty Result PDF when the client just wants to know "what would it cost me to break?" - one number, one page.
- Lender Options PDF when the client wants to see the full menu of where they could move and what each option saves. Use it to lead a conversation.
Often you'll send both together.
What's In The Penalty Result PDF
- Client name (if attached) and date of calculation.
- Lender, current rate, balance, months remaining.
- IRD calculation with formula breakdown.
- 3-month interest calculation.
- Effective penalty (the higher of the two).
- Any advanced options you applied (cashback, closing date, discount rate).
- Your branding (photo, name, brokerage logo).
What's In The Lender Options PDF
- Every lender's best offer for the client's situation.
- Rate, effective penalty, new payment, net savings per row.
- Best Option highlighted at the top.
- Side-by-side comparison so the client sees the choices clearly.
- Your branding (photo, name, brokerage logo).
Sending The PDFs To A Client
The PDFs are downloadable, not auto-sent. Attach them to:
- An email you compose yourself from your inbox.
- A text message (with a link to the file).
- A meeting prep package.
- An IRD outreach email - attach at send time. See Sending A Candidate Report.
Same Pattern As Refinance Report Downloads
The refinance report download from a client profile works the same way. See Downloading Refinance And Penalty Reports for that flow.
What To Do Next
- For client-profile downloads: Downloading Refinance And Penalty Reports.
- Pre-load a past calculation: Recent Calculations And Pre-Loading.