# Zero Principal Balance

### Principal Balance is Less than Zero

In the event that the principal balance is overpaid and is less than zero, the numbers on the loan will be zeroed at the end of the period after the balance goes to zero. In practice, what this means is that the calculator will exit and no longer calculate any balance on the account including due interest, fees, and payoff fees, after the period in which the loan goes to zero (e.g. principal balance less than zero). This means that the amount and days past due, payoff balance, due fees, due interest, and due payoff fees will all be zero.