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:

• A withdrawal date inside the cool‑off period results in no penalties
• If withdrawal_amount is omitted, the Pismo platform fetches the current book balance from Get transaction banking account balance.
• If withdrawal_amount is provided, the balance cannot exceed the current book balance.