Simulate the penalty applied to a specified withdrawal on a given date. The operation is read‑only and does not modify any data.

Use this endpoint to preview penalty fees before making an actual withdrawal.

The simulation evaluates all penalty rules configured in the product, including:

• Early withdrawal penalties

• Grace period penalties

• Tiered interest forfeiture penalties

• Withdrawal fees

• Subsequent withdrawal penalties

Notes:

• withdrawal_date must be the current date (UTC); past and future dates are rejected.
• A withdrawal date inside the cool‑off period, or an inactive penalty record, returns penalty_amount: 0 and net_amount = gross_amount, with penalty_rule_applied, penalty_breakdown and currency omitted.
• The account balance comes from Get transaction banking account balance: book_balance for DEPOSIT_BASIS products, or the balance_type balance for BALANCE_BASIS products. When withdrawal_amount is omitted, the account balance is used as the withdrawal amount. withdrawal_amount cannot exceed the account balance.
• gross_amount reflects the account's resolved balance until a capitalization total record becomes available.