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Mortgage Savings Calculator

Perhaps you want to live debt free. Maybe you want your home paid off before retirement. These are two good reasons why making an extra monthly payment might make sense.

For some paying off their mortgage early is part of their investment plan. It is a no risk way to save money. Other no risk options such as a savings account probably have a much lower rate than your mortgage.

If your savings account is your emergency money, consider opening up a Home Equity Line of Credit (HELOC). This will give you some comfort to not keep as large a balance in your savings, and instead use your extra savings to pay down the higher interest rate mortgage. Should you need the money for an emergency, you can always withdraw it from the HELOC, but remember to start paying that back right away too.

Keep in mind there is no required amount you have to add per month. The more you add, the faster your mortgage goes away, and the more interest you save. However, the best strategy is to add what you are comfortable with.

Loan Details

Amount Down: $7,000

Short Cuts: Year 5, Year 10, Year 15, Year 20, Year 25, End of Loan

Month Payment Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Balance   Payment
Plus Extra		 Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Total
Saved		 Balance
1 133.68 133.68 40.34 40.34 93.33 93.33 27,959.66 | 233.68 233.68 140.34 140.34 93.33 93.33 0.00 27,859.66
2 133.68 267.36 40.48 80.82 93.20 186.53 27,919.18 | 233.68 467.36 140.81 281.15 92.87 186.20 0.33 27,718.85
3 133.68 401.04 40.61 121.43 93.06 279.60 27,878.57 | 233.68 701.04 141.28 422.43 92.40 278.60 1.00 27,577.57
4 133.68 534.72 40.75 162.18 92.93 372.52 27,837.82 | 233.68 934.72 141.75 564.18 91.93 370.52 2.00 27,435.82
5 133.68 668.40 40.88 203.06 92.79 465.32 27,796.94 | 233.68 1,168.40 142.22 706.41 91.45 461.97 3.34 27,293.59
6 133.68 802.08 41.02 244.08 92.66 557.97 27,755.92 | 233.68 1,402.08 142.70 849.11 90.98 552.95 5.02 27,150.89
7 133.68 935.76 41.16 285.24 92.52 650.49 27,714.76 | 233.68 1,635.76 143.17 992.28 90.50 643.45 7.04 27,007.72
8 133.68 1,069.44 41.29 326.53 92.38 742.88 27,673.47 | 233.68 1,869.44 143.65 1,135.93 90.03 733.48 9.40 26,864.07
9 133.68 1,203.12 41.43 367.97 92.24 835.12 27,632.03 | 233.68 2,103.12 144.13 1,280.06 89.55 823.03 12.09 26,719.94
10 133.68 1,336.80 41.57 409.54 92.11 927.23 27,590.46 | 233.68 2,336.80 144.61 1,424.67 89.07 912.09 15.13 26,575.33
11 133.68 1,470.48 41.71 451.24 91.97 1,019.20 27,548.76 | 233.68 2,570.48 145.09 1,569.76 88.58 1,000.68 18.52 26,430.24
12 133.68 1,604.16 41.85 493.09 91.83 1,111.03 27,506.91 | 233.68 2,804.16 145.58 1,715.34 88.10 1,088.78 22.25 26,284.66
Year 1 Completed - Top of Page, Short Cuts
Month Payment Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Balance   Payment
Plus Extra		 Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Interest
Saved		 Balance
13 133.68 1,737.84 41.99 535.08 91.69 1,202.71 27,464.92 | 233.68 3,037.84 146.06 1,861.40 87.62 1,176.39 26.32 26,138.60
14 133.68 1,871.52 42.13 577.20 91.55 1,294.26 27,422.80 | 233.68 3,271.52 146.55 2,007.94 87.13 1,263.52 30.74 25,992.06
15 133.68 2,005.20 42.27 619.47 91.41 1,385.67 27,380.53 | 233.68 3,505.20 147.04 2,154.98 86.64 1,350.16 35.51 25,845.02
16 133.68 2,138.88 42.41 661.88 91.27 1,476.94 27,338.12 | 233.68 3,738.88 147.53 2,302.51 86.15 1,436.31 40.63 25,697.49
17 133.68 2,272.56 42.55 704.43 91.13 1,568.07 27,295.57 | 233.68 3,972.56 148.02 2,450.53 85.66 1,521.97 46.10 25,549.47
18 133.68 2,406.24 42.69 747.12 90.99 1,659.05 27,252.88 | 233.68 4,206.24 148.51 2,599.04 85.16 1,607.14 51.92 25,400.96
19 133.68 2,539.92 42.83 789.95 90.84 1,749.90 27,210.05 | 233.68 4,439.92 149.01 2,748.04 84.67 1,691.81 58.09 25,251.96
20 133.68 2,673.60 42.98 832.93 90.70 1,840.60 27,167.07 | 233.68 4,673.60 149.50 2,897.55 84.17 1,775.98 64.62 25,102.45
21 133.68 2,807.28 43.12 876.05 90.56 1,931.15 27,123.95 | 233.68 4,907.28 150.00 3,047.55 83.67 1,859.65 71.50 24,952.45
22 133.68 2,940.96 43.26 919.31 90.41 2,021.57 27,080.69 | 233.68 5,140.96 150.50 3,198.05 83.17 1,942.83 78.74 24,801.95
23 133.68 3,074.64 43.41 962.72 90.27 2,111.84 27,037.28 | 233.68 5,374.64 151.00 3,349.05 82.67 2,025.50 86.33 24,650.95
24 133.68 3,208.32 43.55 1,006.27 90.12 2,201.96 26,993.73 | 233.68 5,608.32 151.51 3,500.56 82.17 2,107.67 94.29 24,499.44
Year 2 Completed - Top of Page, Short Cuts
Month Payment Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Balance   Payment
Plus Extra		 Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Interest
Saved		 Balance
25 133.68 3,342.00 43.70 1,049.97 89.98 2,291.94 26,950.03 | 233.68 5,842.00 152.01 3,652.57 81.66 2,189.34 102.60 24,347.43
26 133.68 3,475.68 43.84 1,093.81 89.83 2,381.77 26,906.19 | 233.68 6,075.68 152.52 3,805.09 81.16 2,270.50 111.28 24,194.91
27 133.68 3,609.36 43.99 1,137.80 89.69 2,471.46 26,862.20 | 233.68 6,309.36 153.03 3,958.11 80.65 2,351.14 120.32 24,041.89
28 133.68 3,743.04 44.14 1,181.93 89.54 2,561.00 26,818.07 | 233.68 6,543.04 153.54 4,111.65 80.14 2,431.28 129.72 23,888.35
29 133.68 3,876.72 44.28 1,226.22 89.39 2,650.40 26,773.78 | 233.68 6,776.72 154.05 4,265.70 79.63 2,510.91 139.48 23,734.30
30 133.68 4,010.40 44.43 1,270.65 89.25 2,739.64 26,729.35 | 233.68 7,010.40 154.56 4,420.26 79.11 2,590.03 149.61 23,579.74
31 133.68 4,144.08 44.58 1,315.23 89.10 2,828.74 26,684.77 | 233.68 7,244.08 155.08 4,575.34 78.60 2,668.63 160.11 23,424.66
32 133.68 4,277.76 44.73 1,359.95 88.95 2,917.69 26,640.05 | 233.68 7,477.76 155.59 4,730.93 78.08 2,746.71 170.98 23,269.07
33 133.68 4,411.44 44.88 1,404.83 88.80 3,006.49 26,595.17 | 233.68 7,711.44 156.11 4,887.05 77.56 2,824.27 182.22 23,112.95
34 133.68 4,545.12 45.03 1,449.85 88.65 3,095.14 26,550.15 | 233.68 7,945.12 156.63 5,043.68 77.04 2,901.31 193.82 22,956.32
35 133.68 4,678.80 45.18 1,495.03 88.50 3,183.64 26,504.97 | 233.68 8,178.80 157.16 5,200.83 76.52 2,977.84 205.80 22,799.17
36 133.68 4,812.48 45.33 1,540.36 88.35 3,271.99 26,459.64 | 233.68 8,412.48 157.68 5,358.51 76.00 3,053.83 218.16 22,641.49
Year 3 Completed - Top of Page, Short Cuts
Month Payment Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Balance   Payment
Plus Extra		 Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Interest
Saved		 Balance
37 133.68 4,946.16 45.48 1,585.83 88.20 3,360.19 26,414.17 | 233.68 8,646.16 158.20 5,516.72 75.47 3,129.30 230.88 22,483.28
38 133.68 5,079.84 45.63 1,631.46 88.05 3,448.24 26,368.54 | 233.68 8,879.84 158.73 5,675.45 74.94 3,204.25 243.99 22,324.55
39 133.68 5,213.52 45.78 1,677.24 87.90 3,536.13 26,322.76 | 233.68 9,113.52 159.26 5,834.71 74.42 3,278.66 257.47 22,165.29
40 133.68 5,347.20 45.93 1,723.18 87.74 3,623.87 26,276.82 | 233.68 9,347.20 159.79 5,994.50 73.88 3,352.55 271.32 22,005.50
41 133.68 5,480.88 46.09 1,769.27 87.59 3,711.46 26,230.73 | 233.68 9,580.88 160.32 6,154.83 73.35 3,425.90 285.56 21,845.17
42 133.68 5,614.56 46.24 1,815.51 87.44 3,798.90 26,184.49 | 233.68 9,814.56 160.86 6,315.69 72.82 3,498.72 300.18 21,684.31
43 133.68 5,748.24 46.39 1,861.90 87.28 3,886.18 26,138.10 | 233.68 10,048.24 161.40 6,477.08 72.28 3,571.00 315.18 21,522.92
44 133.68 5,881.92 46.55 1,908.45 87.13 3,973.31 26,091.55 | 233.68 10,281.92 161.93 6,639.01 71.74 3,642.74 330.57 21,360.99
45 133.68 6,015.60 46.70 1,955.15 86.97 4,060.28 26,044.85 | 233.68 10,515.60 162.47 6,801.49 71.20 3,713.94 346.33 21,198.51
46 133.68 6,149.28 46.86 2,002.01 86.82 4,147.09 25,997.99 | 233.68 10,749.28 163.01 6,964.50 70.66 3,784.61 362.49 21,035.50
47 133.68 6,282.96 47.02 2,049.03 86.66 4,233.75 25,950.97 | 233.68 10,982.96 163.56 7,128.06 70.12 3,854.72 379.03 20,871.94
48 133.68 6,416.64 47.17 2,096.20 86.50 4,320.26 25,903.80 | 233.68 11,216.64 164.10 7,292.16 69.57 3,924.30 395.96 20,707.84
Year 4 Completed - Top of Page, Short Cuts
Month Payment Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Balance   Payment
Plus Extra		 Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Interest
Saved		 Balance
49 133.68 6,550.32 47.33 2,143.53 86.35 4,406.60 25,856.47 | 233.68 11,450.32 164.65 7,456.81 69.03 3,993.32 413.28 20,543.19
50 133.68 6,684.00 47.49 2,191.02 86.19 4,492.79 25,808.98 | 233.68 11,684.00 165.20 7,622.01 68.48 4,061.80 430.99 20,377.99
51 133.68 6,817.68 47.65 2,238.67 86.03 4,578.82 25,761.33 | 233.68 11,917.68 165.75 7,787.76 67.93 4,129.73 449.09 20,212.24
52 133.68 6,951.36 47.81 2,286.47 85.87 4,664.69 25,713.53 | 233.68 12,151.36 166.30 7,954.06 67.37 4,197.10 467.59 20,045.94
53 133.68 7,085.04 47.96 2,334.44 85.71 4,750.41 25,665.56 | 233.68 12,385.04 166.86 8,120.92 66.82 4,263.92 486.48 19,879.08
54 133.68 7,218.72 48.12 2,382.56 85.55 4,835.96 25,617.44 | 233.68 12,618.72 167.41 8,288.33 66.26 4,330.19 505.77 19,711.67
55 133.68 7,352.40 48.28 2,430.85 85.39 4,921.35 25,569.15 | 233.68 12,852.40 167.97 8,456.30 65.71 4,395.89 525.46 19,543.70
56 133.68 7,486.08 48.45 2,479.29 85.23 5,006.58 25,520.71 | 233.68 13,086.08 168.53 8,624.84 65.15 4,461.04 545.54 19,375.16
57 133.68 7,619.76 48.61 2,527.90 85.07 5,091.65 25,472.10 | 233.68 13,319.76 169.09 8,793.93 64.58 4,525.62 566.03 19,206.07
58 133.68 7,753.44 48.77 2,576.67 84.91 5,176.55 25,423.33 | 233.68 13,553.44 169.66 8,963.58 64.02 4,589.64 586.91 19,036.42
59 133.68 7,887.12 48.93 2,625.60 84.74 5,261.30 25,374.40 | 233.68 13,787.12 170.22 9,133.81 63.45 4,653.10 608.20 18,866.19
60 133.68 8,020.80 49.09 2,674.70 84.58 5,345.88 25,325.30 | 233.68 14,020.80 170.79 9,304.59 62.89 4,715.98 629.90 18,695.41
Year 5 Completed - Top of Page, Short Cuts
Month Payment Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Balance   Payment
Plus Extra		 Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Interest
Saved		 Balance
61 133.68 8,154.48 49.26 2,723.95 84.42 5,430.30 25,276.05 | 233.68 14,254.48 171.36 9,475.95 62.32 4,778.30 652.00 18,524.05
62 133.68 8,288.16 49.42 2,773.38 84.25 5,514.55 25,226.62 | 233.68 14,488.16 171.93 9,647.88 61.75 4,840.05 674.50 18,352.12
63 133.68 8,421.84 49.59 2,822.97 84.09 5,598.64 25,177.03 | 233.68 14,721.84 172.50 9,820.38 61.17 4,901.22 697.42 18,179.62
64 133.68 8,555.52 49.75 2,872.72 83.92 5,682.56 25,127.28 | 233.68 14,955.52 173.08 9,993.46 60.60 4,961.82 720.74 18,006.54
65 133.68 8,689.20 49.92 2,922.64 83.76 5,766.32 25,077.36 | 233.68 15,189.20 173.65 10,167.12 60.02 5,021.84 744.48 17,832.88
66 133.68 8,822.88 50.09 2,972.72 83.59 5,849.91 25,027.28 | 233.68 15,422.88 174.23 10,341.35 59.44 5,081.28 768.63 17,658.65
67 133.68 8,956.56 50.25 3,022.97 83.42 5,933.34 24,977.03 | 233.68 15,656.56 174.81 10,516.16 58.86 5,140.15 793.19 17,483.84
68 133.68 9,090.24 50.42 3,073.39 83.26 6,016.59 24,926.61 | 233.68 15,890.24 175.40 10,691.56 58.28 5,198.43 818.17 17,308.44
69 133.68 9,223.92 50.59 3,123.98 83.09 6,099.68 24,876.02 | 233.68 16,123.92 175.98 10,867.54 57.69 5,256.12 843.56 17,132.46
70 133.68 9,357.60 50.76 3,174.74 82.92 6,182.60 24,825.26 | 233.68 16,357.60 176.57 11,044.11 57.11 5,313.23 869.37 16,955.89
71 133.68 9,491.28 50.93 3,225.66 82.75 6,265.35 24,774.34 | 233.68 16,591.28 177.16 11,221.27 56.52 5,369.75 895.60 16,778.73
72 133.68 9,624.96 51.10 3,276.76 82.58 6,347.93 24,723.24 | 233.68 16,824.96 177.75 11,399.01 55.93 5,425.68 922.26 16,600.99
Year 6 Completed - Top of Page, Short Cuts
Month Payment Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Balance   Payment
Plus Extra		 Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Interest
Saved		 Balance
73 133.68 9,758.64 51.27 3,328.02 82.41 6,430.35 24,671.98 | 233.68 17,058.64 178.34 11,577.35 55.34 5,481.01 949.33 16,422.65
74 133.68 9,892.32 51.44 3,379.46 82.24 6,512.59 24,620.54 | 233.68 17,292.32 178.93 11,756.29 54.74 5,535.76 976.83 16,243.71
75 133.68 10,026.00 51.61 3,431.07 82.07 6,594.65 24,568.93 | 233.68 17,526.00 179.53 11,935.82 54.15 5,589.90 1,004.75 16,064.18
76 133.68 10,159.68 51.78 3,482.85 81.90 6,676.55 24,517.15 | 233.68 17,759.68 180.13 12,115.95 53.55 5,643.45 1,033.10 15,884.05
77 133.68 10,293.36 51.95 3,534.80 81.72 6,758.27 24,465.20 | 233.68 17,993.36 180.73 12,296.68 52.95 5,696.40 1,061.88 15,703.32
78 133.68 10,427.04 52.13 3,586.93 81.55 6,839.82 24,413.07 | 233.68 18,227.04 181.33 12,478.01 52.34 5,748.74 1,091.08 15,521.99
79 133.68 10,560.72 52.30 3,639.22 81.38 6,921.20 24,360.78 | 233.68 18,460.72 181.94 12,659.95 51.74 5,800.48 1,120.72 15,340.05
80 133.68 10,694.40 52.47 3,691.70 81.20 7,002.40 24,308.30 | 233.68 18,694.40 182.54 12,842.49 51.13 5,851.61 1,150.79 15,157.51
81 133.68 10,828.08 52.65 3,744.35 81.03 7,083.43 24,255.65 | 233.68 18,928.08 183.15 13,025.64 50.53 5,902.14 1,181.29 14,974.36
82 133.68 10,961.76 52.82 3,797.17 80.85 7,164.28 24,202.83 | 233.68 19,161.76 183.76 13,209.40 49.91 5,952.05 1,212.23 14,790.60
83 133.68 11,095.44 53.00 3,850.17 80.68 7,244.96 24,149.83 | 233.68 19,395.44 184.37 13,393.78 49.30 6,001.36 1,243.60 14,606.22
84 133.68 11,229.12 53.18 3,903.35 80.50 7,325.46 24,096.65 | 233.68 19,629.12 184.99 13,578.76 48.69 6,050.04 1,275.42 14,421.24
Year 7 Completed - Top of Page, Short Cuts
Month Payment Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Balance   Payment
Plus Extra		 Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Interest
Saved		 Balance
85 133.68 11,362.80 53.35 3,956.70 80.32 7,405.78 24,043.30 | 233.68 19,862.80 185.61 13,764.37 48.07 6,098.11 1,307.67 14,235.63
86 133.68 11,496.48 53.53 4,010.23 80.14 7,485.93 23,989.77 | 233.68 20,096.48 186.22 13,950.59 47.45 6,145.57 1,340.36 14,049.41
87 133.68 11,630.16 53.71 4,063.94 79.97 7,565.89 23,936.06 | 233.68 20,330.16 186.84 14,137.44 46.83 6,192.40 1,373.49 13,862.56
88 133.68 11,763.84 53.89 4,117.83 79.79 7,645.68 23,882.17 | 233.68 20,563.84 187.47 14,324.91 46.21 6,238.61 1,407.07 13,675.09
89 133.68 11,897.52 54.07 4,171.90 79.61 7,725.29 23,828.10 | 233.68 20,797.52 188.09 14,513.00 45.58 6,284.19 1,441.10 13,487.00
90 133.68 12,031.20 54.25 4,226.15 79.43 7,804.71 23,773.85 | 233.68 21,031.20 188.72 14,701.72 44.96 6,329.15 1,475.57 13,298.28
91 133.68 12,164.88 54.43 4,280.58 79.25 7,883.96 23,719.42 | 233.68 21,264.88 189.35 14,891.07 44.33 6,373.47 1,510.48 13,108.93
92 133.68 12,298.56 54.61 4,335.19 79.06 7,963.02 23,664.81 | 233.68 21,498.56 189.98 15,081.05 43.70 6,417.17 1,545.85 12,918.95
93 133.68 12,432.24 54.79 4,389.99 78.88 8,041.91 23,610.01 | 233.68 21,732.24 190.61 15,271.66 43.06 6,460.23 1,581.67 12,728.34
94 133.68 12,565.92 54.98 4,444.96 78.70 8,120.61 23,555.04 | 233.68 21,965.92 191.25 15,462.91 42.43 6,502.66 1,617.94 12,537.09
95 133.68 12,699.60 55.16 4,500.12 78.52 8,199.12 23,499.88 | 233.68 22,199.60 191.89 15,654.79 41.79 6,544.45 1,654.67 12,345.21
96 133.68 12,833.28 55.34 4,555.47 78.33 8,277.46 23,444.53 | 233.68 22,433.28 192.53 15,847.32 41.15 6,585.60 1,691.85 12,152.68
Year 8 Completed - Top of Page, Short Cuts
Month Payment Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Balance   Payment
Plus Extra		 Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Interest
Saved		 Balance
97 133.68 12,966.96 55.53 4,610.99 78.15 8,355.60 23,389.01 | 233.68 22,666.96 193.17 16,040.49 40.51 6,626.11 1,729.49 11,959.51
98 133.68 13,100.64 55.71 4,666.71 77.96 8,433.57 23,333.29 | 233.68 22,900.64 193.81 16,234.30 39.87 6,665.98 1,767.59 11,765.70
99 133.68 13,234.32 55.90 4,722.61 77.78 8,511.35 23,277.39 | 233.68 23,134.32 194.46 16,428.76 39.22 6,705.20 1,806.15 11,571.24
100 133.68 13,368.00 56.08 4,778.69 77.59 8,588.94 23,221.31 | 233.68 23,368.00 195.11 16,623.86 38.57 6,743.77 1,845.17 11,376.14
101 133.68 13,501.68 56.27 4,834.96 77.40 8,666.34 23,165.04 | 233.68 23,601.68 195.76 16,819.62 37.92 6,781.69 1,884.65 11,180.38
102 133.68 13,635.36 56.46 4,891.42 77.22 8,743.56 23,108.58 | 233.68 23,835.36 196.41 17,016.03 37.27 6,818.95 1,924.60 10,983.97
103 133.68 13,769.04 56.65 4,948.07 77.03 8,820.59 23,051.93 | 233.68 24,069.04 197.06 17,213.09 36.61 6,855.57 1,965.02 10,786.91
104 133.68 13,902.72 56.84 5,004.91 76.84 8,897.43 22,995.09 | 233.68 24,302.72 197.72 17,410.81 35.96 6,891.52 2,005.90 10,589.19
105 133.68 14,036.40 57.03 5,061.93 76.65 8,974.08 22,938.07 | 233.68 24,536.40 198.38 17,609.19 35.30 6,926.82 2,047.26 10,390.81
106 133.68 14,170.08 57.22 5,119.15 76.46 9,050.54 22,880.85 | 233.68 24,770.08 199.04 17,808.23 34.64 6,961.46 2,089.08 10,191.77
107 133.68 14,303.76 57.41 5,176.56 76.27 9,126.81 22,823.44 | 233.68 25,003.76 199.70 18,007.93 33.97 6,995.43 2,131.38 9,992.07
108 133.68 14,437.44 57.60 5,234.15 76.08 9,202.88 22,765.85 | 233.68 25,237.44 200.37 18,208.30 33.31 7,028.74 2,174.15 9,791.70
Year 9 Completed - Top of Page, Short Cuts
Month Payment Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Balance   Payment
Plus Extra		 Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Interest
Saved		 Balance
109 133.68 14,571.12 57.79 5,291.94 75.89 9,278.77 22,708.06 | 233.68 25,471.12 201.04 18,409.34 32.64 7,061.38 2,217.39 9,590.66
110 133.68 14,704.80 57.98 5,349.93 75.69 9,354.46 22,650.07 | 233.68 25,704.80 201.71 18,611.05 31.97 7,093.35 2,261.12 9,388.95
111 133.68 14,838.48 58.18 5,408.10 75.50 9,429.96 22,591.90 | 233.68 25,938.48 202.38 18,813.43 31.30 7,124.64 2,305.32 9,186.57
112 133.68 14,972.16 58.37 5,466.47 75.31 9,505.27 22,533.53 | 233.68 26,172.16 203.05 19,016.48 30.62 7,155.26 2,350.01 8,983.52
113 133.68 15,105.84 58.56 5,525.04 75.11 9,580.38 22,474.96 | 233.68 26,405.84 203.73 19,220.21 29.95 7,185.21 2,395.17 8,779.79
114 133.68 15,239.52 58.76 5,583.80 74.92 9,655.30 22,416.20 | 233.68 26,639.52 204.41 19,424.62 29.27 7,214.47 2,440.82 8,575.38
115 133.68 15,373.20 58.96 5,642.75 74.72 9,730.02 22,357.25 | 233.68 26,873.20 205.09 19,629.71 28.58 7,243.06 2,486.96 8,370.29
116 133.68 15,506.88 59.15 5,701.90 74.52 9,804.54 22,298.10 | 233.68 27,106.88 205.78 19,835.49 27.90 7,270.96 2,533.58 8,164.51
117 133.68 15,640.56 59.35 5,761.25 74.33 9,878.87 22,238.75 | 233.68 27,340.56 206.46 20,041.95 27.22 7,298.18 2,580.70 7,958.05
118 133.68 15,774.24 59.55 5,820.80 74.13 9,953.00 22,179.20 | 233.68 27,574.24 207.15 20,249.10 26.53 7,324.70 2,628.30 7,750.90
119 133.68 15,907.92 59.75 5,880.55 73.93 10,026.93 22,119.45 | 233.68 27,807.92 207.84 20,456.94 25.84 7,350.54 2,676.39 7,543.06
120 133.68 16,041.60 59.94 5,940.49 73.73 10,100.66 22,059.51 | 233.68 28,041.60 208.53 20,665.47 25.14 7,375.68 2,724.98 7,334.53
Year 10 Completed - Top of Page, Short Cuts
Month Payment Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Balance   Payment
Plus Extra		 Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Interest
Saved		 Balance
121 133.68 16,175.28 60.14 6,000.64 73.53 10,174.19 21,999.36 | 233.68 28,275.28 209.23 20,874.70 24.45 7,400.13 2,774.06 7,125.30
122 133.68 16,308.96 60.35 6,060.98 73.33 10,247.53 21,939.02 | 233.68 28,508.96 209.93 21,084.63 23.75 7,423.88 2,823.64 6,915.37
123 133.68 16,442.64 60.55 6,121.53 73.13 10,320.66 21,878.47 | 233.68 28,742.64 210.63 21,295.25 23.05 7,446.93 2,873.72 6,704.75
124 133.68 16,576.32 60.75 6,182.28 72.93 10,393.58 21,817.72 | 233.68 28,976.32 211.33 21,506.58 22.35 7,469.28 2,924.30 6,493.42
125 133.68 16,710.00 60.95 6,243.23 72.73 10,466.31 21,756.77 | 233.68 29,210.00 212.03 21,718.61 21.64 7,490.93 2,975.38 6,281.39
126 133.68 16,843.68 61.15 6,304.38 72.52 10,538.83 21,695.62 | 233.68 29,443.68 212.74 21,931.35 20.94 7,511.86 3,026.97 6,068.65
127 133.68 16,977.36 61.36 6,365.74 72.32 10,611.15 21,634.26 | 233.68 29,677.36 213.45 22,144.79 20.23 7,532.09 3,079.06 5,855.21
128 133.68 17,111.04 61.56 6,427.30 72.11 10,683.26 21,572.70 | 233.68 29,911.04 214.16 22,358.95 19.52 7,551.61 3,131.65 5,641.05
129 133.68 17,244.72 61.77 6,489.07 71.91 10,755.17 21,510.93 | 233.68 30,144.72 214.87 22,573.83 18.80 7,570.41 3,184.76 5,426.17
130 133.68 17,378.40 61.97 6,551.04 71.70 10,826.88 21,448.96 | 233.68 30,378.40 215.59 22,789.42 18.09 7,588.50 3,238.38 5,210.58
131 133.68 17,512.08 62.18 6,613.22 71.50 10,898.37 21,386.78 | 233.68 30,612.08 216.31 23,005.72 17.37 7,605.87 3,292.50 4,994.28
132 133.68 17,645.76 62.39 6,675.61 71.29 10,969.66 21,324.39 | 233.68 30,845.76 217.03 23,222.75 16.65 7,622.52 3,347.15 4,777.25
Year 11 Completed - Top of Page, Short Cuts
Month Payment Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Balance   Payment
Plus Extra		 Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Interest
Saved		 Balance
133 133.68 17,779.44 62.59 6,738.20 71.08 11,040.74 21,261.80 | 233.68 31,079.44 217.75 23,440.50 15.92 7,638.44 3,402.30 4,559.50
134 133.68 17,913.12 62.80 6,801.00 70.87 11,111.62 21,199.00 | 233.68 31,313.12 218.48 23,658.98 15.20 7,653.64 3,457.98 4,341.02
135 133.68 18,046.80 63.01 6,864.02 70.66 11,182.28 21,135.98 | 233.68 31,546.80 219.21 23,878.19 14.47 7,668.11 3,514.17 4,121.81
136 133.68 18,180.48 63.22 6,927.24 70.45 11,252.73 21,072.76 | 233.68 31,780.48 219.94 24,098.12 13.74 7,681.85 3,570.88 3,901.88
137 133.68 18,314.16 63.43 6,990.67 70.24 11,322.98 21,009.33 | 233.68 32,014.16 220.67 24,318.79 13.01 7,694.86 3,628.12 3,681.21
138 133.68 18,447.84 63.65 7,054.32 70.03 11,393.01 20,945.68 | 233.68 32,247.84 221.41 24,540.20 12.27 7,707.13 3,685.88 3,459.80
139 133.68 18,581.52 63.86 7,118.18 69.82 11,462.83 20,881.82 | 233.68 32,481.52 222.14 24,762.34 11.53 7,718.66 3,744.17 3,237.66
140 133.68 18,715.20 64.07 7,182.25 69.61 11,532.43 20,817.75 | 233.68 32,715.20 222.88 24,985.23 10.79 7,729.45 3,802.98 3,014.77
141 133.68 18,848.88 64.28 7,246.53 69.39 11,601.82 20,753.47 | 233.68 32,948.88 223.63 25,208.86 10.05 7,739.50 3,862.32 2,791.14
142 133.68 18,982.56 64.50 7,311.03 69.18 11,671.00 20,688.97 | 233.68 33,182.56 224.37 25,433.23 9.30 7,748.80 3,922.20 2,566.77
143 133.68 19,116.24 64.71 7,375.74 68.96 11,739.97 20,624.26 | 233.68 33,416.24 225.12 25,658.35 8.56 7,757.36 3,982.61 2,341.65
144 133.68 19,249.92 64.93 7,440.67 68.75 11,808.71 20,559.33 | 233.68 33,649.92 225.87 25,884.22 7.81 7,765.17 4,043.55 2,115.78
Year 12 Completed - Top of Page, Short Cuts
Month Payment Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Balance   Payment
Plus Extra		 Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Interest
Saved		 Balance
145 133.68 19,383.60 65.15 7,505.82 68.53 11,877.24 20,494.18 | 233.68 33,883.60 226.62 26,110.84 7.05 7,772.22 4,105.03 1,889.16
146 133.68 19,517.28 65.36 7,571.18 68.31 11,945.56 20,428.82 | 233.68 34,117.28 227.38 26,338.22 6.30 7,778.52 4,167.04 1,661.78
147 133.68 19,650.96 65.58 7,636.76 68.10 12,013.65 20,363.24 | 233.68 34,350.96 228.14 26,566.36 5.54 7,784.05 4,229.60 1,433.64
148 133.68 19,784.64 65.80 7,702.56 67.88 12,081.53 20,297.44 | 233.68 34,584.64 228.90 26,795.26 4.78 7,788.83 4,292.70 1,204.74
149 133.68 19,918.32 66.02 7,768.58 67.66 12,149.19 20,231.42 | 233.68 34,818.32 229.66 27,024.92 4.02 7,792.85 4,356.34 975.08
150 133.68 20,052.00 66.24 7,834.81 67.44 12,216.63 20,165.19 | 233.68 35,052.00 230.43 27,255.34 3.25 7,796.10 4,420.53 744.66
151 133.68 20,185.68 66.46 7,901.27 67.22 12,283.85 20,098.73 | 233.68 35,285.68 231.19 27,486.54 2.48 7,798.58 4,485.26 513.46
152 133.68 20,319.36 66.68 7,967.95 67.00 12,350.84 20,032.05 | 233.68 35,519.36 231.96 27,718.50 1.71 7,800.29 4,550.55 281.50
153 133.68 20,453.04 66.90 8,034.86 66.77 12,417.61 19,965.14 | 233.68 35,753.04 232.74 27,951.24 0.94 7,801.23 4,616.38 48.76
154 133.68 20,586.72 67.13 8,101.98 66.55 12,484.17 19,898.02 | 48.92 35,801.96 48.76 28,184.75 0.16 7,801.39 4,682.77 0.00

Loan Paid off in Year 13.

Total Interest Based on 30 Year Loan with No Extra Payment $20,123.46.

Total Interest Saved with Pre-Payment is $12,322.07