Difference 0.15 in maxMonthlyMortgagePayment of arm calculator

[sanket-3101]

i am getting 0.15 difference in max monthly income of arm calculator for following input value
loan_amount: "100,000",
rate_of_interest: "4",
term: "30",
month_before_first_adjustment: "12",
month_between_adjustment: "12",
expected_adjustment_rate: "0.25",
initial_rate_interest: "3.25",
max_interest_rate: "12",

expected output
maximum_monthly_payment: $686.50
getting output
maximum_monthly_payment: $686.35