The Penalty Calculator keeps a running history of every calculation you've run. Pull any past one back into the form to tweak it - useful when a client comes back with updated info or asks "what if?"
Where To Find Recent Calculations
Open the Penalty Calculator. In the top-right of the page, you'll see a Recent Calculations button or dropdown.
Click it to see a list of your past calculations, sorted by most recent first. Each entry shows:
- Client name (or address, if no name attached).
- Lender, rate, balance.
- Result (effective penalty).
- When you ran it.
Pre-Loading A Calculation
Click any entry in Recent Calculations. The form fills in with all the inputs from that calculation:
- Lender selection.
- Current rate, balance, months remaining.
- Any advanced options you'd entered (cashback, discount rate).
From there you can:
- Re-run as-is to see if anything's changed (rates move, time passes).
- Tweak one input and re-calculate (what if balance is lower? what if they had 6 fewer months remaining?).
- Use it as a starting point for a similar client.
When Recent Calculations Are Useful
- Follow-up conversations. Client comes back two weeks later wanting an updated number. Pull up the original, re-run, send.
- What-if scenarios. A client asks "what would change if I waited 6 months?" Pre-load, change months remaining, recalculate.
- Multiple scenarios for the same client. Run with cashback included, then without, then with a different lender - keep them all in your history.
- Avoiding re-entry. Long lender names and exact balances are annoying to retype. Pre-loading is faster.
How Long Calculations Are Kept
Your recent calculations history is kept indefinitely. Older calculations remain in the history until you have hundreds - at which point the dropdown shows the most recent and you can search for older ones.
What To Do Next
- Refine pre-loaded calculations with the discount rate: Advanced Options In The Penalty Calculator.
- Compare lenders side-by-side: Comparing Lender Options.