WLTH SMSF Servicing Calculator

Test Report — 16 April 2026 at 9:38 am
ALL PASS
116 passed  ·  0 failed  ·  116 total
← All runs
🔖 Commit 7bd777c on main 💬 Fix: use absolute /test-results/ paths in index page links 🕒 2026-04-15T23:38:37.574Z
Test pass rate 100.0%

🔬 Reference Calculator Validation

Comparison against the Highlighter YTML reference calculators used by WLTH

1 scenario live-verified
🔬 LIVE VERIFIED — 2026-04-15 S01

Residential purchase 70% LVR, P&I variable, 1 member $25k contrib, $1,000/wk rent

Source: Highlighter YTML Purchase Calculator

Metric Highlighter (Reference) Our Calculator Result
LVR 70.00% 70.00% ✅ Match
Effective Rate 6.94% 6.94% ✅ Match
Assessment Rate 8.94% 8.94% ✅ Match
Total Income $66,600 $66,600 ✅ Match
Loan Interest $41,640 $41,640 ✅ Match
15% SMSF Tax $3,744 $3,744 ✅ Match
Net Income (after tax) $62,856 $62,856 ✅ Match
NDI Ratio 0.95 0.9535 ✅ Match
Outcome Borderline Borderline ✅ Match

All Standard Scenarios — NDI Summary

All scenarios are validated by automated tests on every run. Live-verified scenarios have been individually confirmed against the Highlighter UI. Design-derived scenarios follow the same policy rules and are regression-tested on every commit.

ScenarioNDI RatioOutcomeVerification
S01 0.9535 Borderline 🔬 Live-verified
S02 1.2033 Pass 📊 Design-derived
S03 0.9596 Borderline 📊 Design-derived
S04 1.1376 Pass 📊 Design-derived
S05 1.0065 Pass 📊 Design-derived
S06 0.9748 Borderline 📊 Design-derived
S07 0.7600 Fail 📊 Design-derived
S08 0.9535 Borderline 📊 Design-derived
S09 0.5383 Fail 📊 Design-derived
S10 0.9069 Fail 📊 Design-derived
S11 0.9013 Fail 📊 Design-derived
S12 0.9444 Fail 📊 Design-derived
S13 1.0902 Pass 📊 Design-derived
S14 0.6750 Fail 📊 Design-derived
S15 0.9535 Borderline 📊 Design-derived
✅tests/calculator.test.ts
✅ Math helpers 5/5
TestResultDuration
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
TestResultDuration
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
TestResultDuration
S01: Residential purchase 70% LVR, P&I variable, 1 member $25k contrib, $1,000/wk rent ✅ pass 10 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
TestResultDuration
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
✅tests/reference-comparison.test.ts
✅ Reference Validation: S01 — LIVE VERIFIED vs Highlighter YTML 7/7
TestResultDuration
LVR = 70.00% (Highlighter confirmed) ✅ pass 0 ms
Assessment rate = 8.94% (Highlighter confirmed) ✅ pass 0 ms
Total income = $66,600 (Highlighter confirmed) ✅ pass 0 ms
Loan interest deduction = $41,640 (Highlighter confirmed) ✅ pass 0 ms
15% SMSF tax = $3,744 (Highlighter confirmed) ✅ pass 0 ms
Net income after tax = $62,856 (Highlighter confirmed) ✅ pass 0 ms
NDI = 0.95 — borderline (Highlighter confirmed) ✅ pass 0 ms
✅ Reference Validation: All Scenarios — Consistency with Expected Values 60/60
TestResultDuration
NDI within ±0.005 of expected ✅ pass 0 ms
Pass/borderline outcome matches ✅ pass 0 ms
LVR within ±0.1% ✅ pass 0 ms
Net income within ±$5 ✅ pass 0 ms
NDI within ±0.005 of expected ✅ pass 0 ms
Pass/borderline outcome matches ✅ pass 0 ms
LVR within ±0.1% ✅ pass 0 ms
Net income within ±$5 ✅ pass 0 ms
NDI within ±0.005 of expected ✅ pass 0 ms
Pass/borderline outcome matches ✅ pass 0 ms
LVR within ±0.1% ✅ pass 0 ms
Net income within ±$5 ✅ pass 0 ms
NDI within ±0.005 of expected ✅ pass 0 ms
Pass/borderline outcome matches ✅ pass 0 ms
LVR within ±0.1% ✅ pass 0 ms
Net income within ±$5 ✅ pass 0 ms
NDI within ±0.005 of expected ✅ pass 0 ms
Pass/borderline outcome matches ✅ pass 0 ms
LVR within ±0.1% ✅ pass 0 ms
Net income within ±$5 ✅ pass 0 ms
NDI within ±0.005 of expected ✅ pass 0 ms
Pass/borderline outcome matches ✅ pass 0 ms
LVR within ±0.1% ✅ pass 0 ms
Net income within ±$5 ✅ pass 0 ms
NDI within ±0.005 of expected ✅ pass 0 ms
Pass/borderline outcome matches ✅ pass 0 ms
LVR within ±0.1% ✅ pass 0 ms
Net income within ±$5 ✅ pass 0 ms
NDI within ±0.005 of expected ✅ pass 0 ms
Pass/borderline outcome matches ✅ pass 0 ms
LVR within ±0.1% ✅ pass 0 ms
Net income within ±$5 ✅ pass 0 ms
NDI within ±0.005 of expected ✅ pass 0 ms
Pass/borderline outcome matches ✅ pass 0 ms
LVR within ±0.1% ✅ pass 0 ms
Net income within ±$5 ✅ pass 0 ms
NDI within ±0.005 of expected ✅ pass 0 ms
Pass/borderline outcome matches ✅ pass 0 ms
LVR within ±0.1% ✅ pass 0 ms
Net income within ±$5 ✅ pass 0 ms
NDI within ±0.005 of expected ✅ pass 0 ms
Pass/borderline outcome matches ✅ pass 0 ms
LVR within ±0.1% ✅ pass 0 ms
Net income within ±$5 ✅ pass 0 ms
NDI within ±0.005 of expected ✅ pass 0 ms
Pass/borderline outcome matches ✅ pass 0 ms
LVR within ±0.1% ✅ pass 0 ms
Net income within ±$5 ✅ pass 0 ms
NDI within ±0.005 of expected ✅ pass 0 ms
Pass/borderline outcome matches ✅ pass 0 ms
LVR within ±0.1% ✅ pass 0 ms
Net income within ±$5 ✅ pass 0 ms
NDI within ±0.005 of expected ✅ pass 0 ms
Pass/borderline outcome matches ✅ pass 0 ms
LVR within ±0.1% ✅ pass 1 ms
Net income within ±$5 ✅ pass 0 ms
NDI within ±0.005 of expected ✅ pass 0 ms
Pass/borderline outcome matches ✅ pass 0 ms
LVR within ±0.1% ✅ pass 0 ms
Net income within ±$5 ✅ pass 0 ms
✅ Reference Validation: Easy Refi — Consistency with Expected Values 15/15
TestResultDuration
LVR within ±0.1% ✅ pass 0 ms
Rate/repayment/LVR flags match ✅ pass 0 ms
Overall pass/fail matches ✅ pass 0 ms
LVR within ±0.1% ✅ pass 0 ms
Rate/repayment/LVR flags match ✅ pass 0 ms
Overall pass/fail matches ✅ pass 0 ms
LVR within ±0.1% ✅ pass 0 ms
Rate/repayment/LVR flags match ✅ pass 0 ms
Overall pass/fail matches ✅ pass 0 ms
LVR within ±0.1% ✅ pass 0 ms
Rate/repayment/LVR flags match ✅ pass 0 ms
Overall pass/fail matches ✅ pass 0 ms
LVR within ±0.1% ✅ pass 0 ms
Rate/repayment/LVR flags match ✅ pass 0 ms
Overall pass/fail matches ✅ pass 0 ms
Generated by npm run test:report  ·  WLTH SMSF Servicing Calculator