Test pass rate
100.0%
✅
tests/calculator.test.ts
Math helpers
5/5
| Test | Result | Duration |
|---|---|---|
| mpmt: $600k @ 8.94% over 360mo | ✅ pass | 0 ms |
| ioP: $600k @ 8.94% | ✅ pass | 0 ms |
| calcAR: floor at RBA+3% when rate is low | ✅ pass | 0 ms |
| calcAR: rate+2% dominates when rate is high | ✅ pass | 0 ms |
| stressDebt: existing debt stress ≥ 110% of actual repayment | ✅ pass | 0 ms |
Product rates
8/8
| Test | Result | Duration |
|---|---|---|
| Variable: residential 60% LVR P&I = 6.84% | ✅ pass | 0 ms |
| Variable: residential 70% LVR P&I = 6.94% | ✅ pass | 0 ms |
| Variable: residential 80% LVR P&I = 7.04% | ✅ pass | 0 ms |
| Variable: residential IO 75% LVR = 7.04% (70%<LVR≤80% tier, no separate IO loading) | ✅ pass | 0 ms |
| Variable: residential IO 80% LVR = 7.44% (loading applies) | ✅ pass | 0 ms |
| Variable: commercial 60% LVR = 7.34% (+0.50 loading) | ✅ pass | 0 ms |
| Fixed Special: residential PI = 7.09% | ✅ pass | 0 ms |
| Easy Refi Special: residential ≤70% LVR = 6.69% | ✅ pass | 0 ms |
Standard scenarios
15/15
| Test | Result | Duration |
|---|---|---|
| S01: Residential purchase 70% LVR, P&I variable, 1 member $25k contrib, $1,000/wk rent | ✅ pass | 8 ms |
| S02: Residential purchase 80% LVR, P&I variable, 2 members ($25k + $20k), $1,000/wk rent | ✅ pass | 0 ms |
| S03: Residential purchase 60% LVR, P&I variable — lowest rate tier | ✅ pass | 0 ms |
| S04: Commercial purchase 60% LVR, P&I variable — commercial rate loading | ✅ pass | 0 ms |
| S05: Residential IO loan 75% LVR — variable IO rate at 70%<LVR≤80% tier | ✅ pass | 0 ms |
| S06: Residential IO loan 80% LVR — IO loading +0.40% applies | ✅ pass | 0 ms |
| S07: Purchase with one existing SMSF debt — stress tested | ✅ pass | 0 ms |
| S08: Purchase — liquidity fails (insufficient SMSF cash post-settlement) | ✅ pass | 0 ms |
| S09: Purchase — net asset test fails (large existing debts exceed assets) | ✅ pass | 0 ms |
| S10: Fixed Rate Established 1yr, residential 70% LVR, P&I | ✅ pass | 0 ms |
| S11: Fixed Rate Established 4yr (higher rate tier), residential 70% LVR, P&I | ✅ pass | 0 ms |
| S12: Fixed Rate Special (submit by 30 Jun 2026), residential 70% LVR, P&I | ✅ pass | 0 ms |
| S13: Member with proposed contributions — capped at 10% of gross income | ✅ pass | 0 ms |
| S14: Investment portfolio $500k deeming at 4%, plus contributions | ✅ pass | 0 ms |
| S15: Refinance (not purchase) — requiredFunds = costs only | ✅ pass | 0 ms |
Easy Refi scenarios
5/5
| Test | Result | Duration |
|---|---|---|
| ER01: Easy Refi clean pass — lower rate, lower P&I, LVR ≤80%, checkboxes ticked | ✅ pass | 0 ms |
| ER02: Easy Refi fails — new rate is HIGHER than current rate | ✅ pass | 0 ms |
| ER03: Easy Refi fails — repayments not lower (current repayment is very low) | ✅ pass | 0 ms |
| ER04: Easy Refi fails — LVR exceeds 80% after capitalising fees | ✅ pass | 0 ms |
| ER05: Easy Refi fails — lower cost product checkbox not ticked | ✅ pass | 0 ms |