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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

Offer:

Percent Down:

Amount Down: $13,000

Interest Rate:

Extra Monthly Payment:

Years:

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

Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Total Saved	Balance
1	500.24	197.02	303.23	303.23	116,802.98	600.24	297.02	303.23	303.23	0.00	116,702.98
2	500.24	197.53	302.71	605.94	116,605.45	600.24	297.79	302.46	605.68	0.26	116,405.19
3	500.24	198.04	302.20	908.14	116,407.41	600.24	298.56	301.68	907.36	0.78	116,106.63
4	500.24	198.56	301.69	1,209.83	116,208.85	600.24	299.34	300.91	1,208.27	1.56	115,807.29
5	500.24	199.07	301.17	1,511.01	116,009.78	600.24	300.11	300.13	1,508.41	2.60	115,507.18
6	500.24	199.59	300.66	1,811.66	115,810.19	600.24	300.89	299.36	1,807.76	3.90	115,206.29
7	500.24	200.10	300.14	2,111.81	115,610.09	600.24	301.67	298.58	2,106.34	5.47	114,904.63
8	500.24	200.62	299.62	2,411.43	115,409.47	600.24	302.45	297.79	2,404.13	7.29	114,602.18
9	500.24	201.14	299.10	2,710.53	115,208.33	600.24	303.23	297.01	2,701.14	9.39	114,298.94
10	500.24	201.66	298.58	3,009.11	115,006.66	600.24	304.02	296.22	2,997.37	11.74	113,994.92
11	500.24	202.19	298.06	3,307.17	114,804.48	600.24	304.81	295.44	3,292.81	14.37	113,690.11
12	500.24	202.71	297.53	3,604.71	114,601.77	600.24	305.60	294.65	3,587.45	17.25	113,384.51
Year 1 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
13	500.24	203.24	297.01	3,901.72	114,398.53	600.24	306.39	293.85	3,881.31	20.41	113,078.12
14	500.24	203.76	296.48	4,198.20	114,194.77	600.24	307.18	293.06	4,174.37	23.83	112,770.94
15	500.24	204.29	295.95	4,494.15	113,990.48	600.24	307.98	292.26	4,466.63	27.52	112,462.96
16	500.24	204.82	295.43	4,789.58	113,785.66	600.24	308.78	291.47	4,758.10	31.48	112,154.18
17	500.24	205.35	294.89	5,084.47	113,580.31	600.24	309.58	290.67	5,048.77	35.71	111,844.60
18	500.24	205.88	294.36	5,378.84	113,374.43	600.24	310.38	289.86	5,338.63	40.21	111,534.22
19	500.24	206.42	293.83	5,672.67	113,168.01	600.24	311.19	289.06	5,627.69	44.98	111,223.04
20	500.24	206.95	293.29	5,965.96	112,961.06	600.24	311.99	288.25	5,915.94	50.02	110,911.05
21	500.24	207.49	292.76	6,258.72	112,753.57	600.24	312.80	287.44	6,203.39	55.33	110,598.24
22	500.24	208.03	292.22	6,550.94	112,545.55	600.24	313.61	286.63	6,490.02	60.91	110,284.63
23	500.24	208.56	291.68	6,842.62	112,336.98	600.24	314.42	285.82	6,775.84	66.77	109,970.21
24	500.24	209.10	291.14	7,133.76	112,127.88	600.24	315.24	285.01	7,060.85	72.91	109,654.97
Year 2 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
25	500.24	209.65	290.60	7,424.35	111,918.23	600.24	316.06	284.19	7,345.04	79.32	109,338.92
26	500.24	210.19	290.05	7,714.41	111,708.04	600.24	316.87	283.37	7,628.41	86.00	109,022.04
27	500.24	210.73	289.51	8,003.92	111,497.31	600.24	317.70	282.55	7,910.96	92.96	108,704.34
28	500.24	211.28	288.96	8,292.88	111,286.03	600.24	318.52	281.73	8,192.68	100.20	108,385.82
29	500.24	211.83	288.42	8,581.30	111,074.20	600.24	319.34	280.90	8,473.58	107.72	108,066.48
30	500.24	212.38	287.87	8,869.17	110,861.82	600.24	320.17	280.07	8,753.65	115.51	107,746.31
31	500.24	212.93	287.32	9,156.48	110,648.89	600.24	321.00	279.24	9,032.90	123.59	107,425.30
32	500.24	213.48	286.77	9,443.25	110,435.41	600.24	321.83	278.41	9,311.31	131.94	107,103.47
33	500.24	214.03	286.21	9,729.46	110,221.38	600.24	322.67	277.58	9,588.88	140.58	106,780.80
34	500.24	214.59	285.66	10,015.12	110,006.79	600.24	323.50	276.74	9,865.62	149.49	106,457.30
35	500.24	215.14	285.10	10,300.22	109,791.65	600.24	324.34	275.90	10,141.53	158.69	106,132.95
36	500.24	215.70	284.54	10,584.76	109,575.95	600.24	325.18	275.06	10,416.59	168.18	105,807.77
Year 3 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
37	500.24	216.26	283.98	10,868.75	109,359.69	600.24	326.03	274.22	10,690.81	177.94	105,481.74
38	500.24	216.82	283.42	11,152.17	109,142.86	600.24	326.87	273.37	10,964.18	187.99	105,154.87
39	500.24	217.38	282.86	11,435.03	108,925.48	600.24	327.72	272.53	11,236.71	198.33	104,827.15
40	500.24	217.95	282.30	11,717.33	108,707.53	600.24	328.57	271.68	11,508.38	208.95	104,498.59
41	500.24	218.51	281.73	11,999.06	108,489.02	600.24	329.42	270.83	11,779.21	219.86	104,169.17
42	500.24	219.08	281.17	12,280.23	108,269.95	600.24	330.27	269.97	12,049.18	231.05	103,838.89
43	500.24	219.65	280.60	12,560.83	108,050.30	600.24	331.13	269.12	12,318.30	242.54	103,507.76
44	500.24	220.21	280.03	12,840.86	107,830.09	600.24	331.99	268.26	12,586.55	254.31	103,175.78
45	500.24	220.79	279.46	13,120.32	107,609.30	600.24	332.85	267.40	12,853.95	266.37	102,842.93
46	500.24	221.36	278.89	13,399.21	107,387.94	600.24	333.71	266.53	13,120.48	278.72	102,509.22
47	500.24	221.93	278.31	13,677.52	107,166.01	600.24	334.58	265.67	13,386.15	291.37	102,174.64
48	500.24	222.51	277.74	13,955.26	106,943.51	600.24	335.44	264.80	13,650.96	304.30	101,839.20
Year 4 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
49	500.24	223.08	277.16	14,232.42	106,720.42	600.24	336.31	263.93	13,914.89	317.53	101,502.89
50	500.24	223.66	276.58	14,509.01	106,496.76	600.24	337.18	263.06	14,177.95	331.05	101,165.71
51	500.24	224.24	276.00	14,785.01	106,272.52	600.24	338.06	262.19	14,440.14	344.87	100,827.65
52	500.24	224.82	275.42	15,060.43	106,047.70	600.24	338.93	261.31	14,701.45	358.98	100,488.72
53	500.24	225.40	274.84	15,335.27	105,822.29	600.24	339.81	260.43	14,961.88	373.39	100,148.91
54	500.24	225.99	274.26	15,609.53	105,596.31	600.24	340.69	259.55	15,221.44	388.09	99,808.21
55	500.24	226.57	273.67	15,883.20	105,369.73	600.24	341.58	258.67	15,480.11	403.09	99,466.64
56	500.24	227.16	273.08	16,156.28	105,142.57	600.24	342.46	257.78	15,737.89	418.39	99,124.18
57	500.24	227.75	272.49	16,428.78	104,914.82	600.24	343.35	256.90	15,994.79	433.99	98,780.83
58	500.24	228.34	271.90	16,700.68	104,686.48	600.24	344.24	256.01	16,250.80	449.89	98,436.59
59	500.24	228.93	271.31	16,971.99	104,457.55	600.24	345.13	255.11	16,505.91	466.08	98,091.46
60	500.24	229.53	270.72	17,242.71	104,228.02	600.24	346.02	254.22	16,760.13	482.58	97,745.44
Year 5 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
61	500.24	230.12	270.12	17,512.84	103,997.90	600.24	346.92	253.32	17,013.45	499.38	97,398.52
62	500.24	230.72	269.53	17,782.37	103,767.18	600.24	347.82	252.42	17,265.88	516.49	97,050.70
63	500.24	231.31	268.93	18,051.30	103,535.87	600.24	348.72	251.52	17,517.40	533.89	96,701.97
64	500.24	231.91	268.33	18,319.63	103,303.95	600.24	349.63	250.62	17,768.02	551.61	96,352.35
65	500.24	232.52	267.73	18,587.36	103,071.44	600.24	350.53	249.71	18,017.73	569.62	96,001.82
66	500.24	233.12	267.13	18,854.48	102,838.32	600.24	351.44	248.80	18,266.54	587.94	95,650.38
67	500.24	233.72	266.52	19,121.01	102,604.60	600.24	352.35	247.89	18,514.43	606.57	95,298.02
68	500.24	234.33	265.92	19,386.92	102,370.27	600.24	353.26	246.98	18,761.41	625.51	94,944.76
69	500.24	234.94	265.31	19,652.23	102,135.33	600.24	354.18	246.07	19,007.48	644.75	94,590.58
70	500.24	235.54	264.70	19,916.93	101,899.79	600.24	355.10	245.15	19,252.63	664.31	94,235.48
71	500.24	236.15	264.09	20,181.02	101,663.64	600.24	356.02	244.23	19,496.85	684.17	93,879.47
72	500.24	236.77	263.48	20,444.50	101,426.87	600.24	356.94	243.30	19,740.16	704.34	93,522.52
Year 6 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
73	500.24	237.38	262.86	20,707.37	101,189.49	600.24	357.87	242.38	19,982.54	724.83	93,164.66
74	500.24	238.00	262.25	20,969.62	100,951.49	600.24	358.79	241.45	20,223.99	745.63	92,805.87
75	500.24	238.61	261.63	21,231.25	100,712.88	600.24	359.72	240.52	20,464.51	766.74	92,446.14
76	500.24	239.23	261.01	21,492.26	100,473.65	600.24	360.66	239.59	20,704.10	788.16	92,085.49
77	500.24	239.85	260.39	21,752.66	100,233.80	600.24	361.59	238.65	20,942.75	809.90	91,723.90
78	500.24	240.47	259.77	22,012.43	99,993.33	600.24	362.53	237.72	21,180.47	831.96	91,361.37
79	500.24	241.10	259.15	22,271.58	99,752.23	600.24	363.47	236.78	21,417.25	854.33	90,997.90
80	500.24	241.72	258.52	22,530.10	99,510.51	600.24	364.41	235.84	21,653.09	877.02	90,633.50
81	500.24	242.35	257.90	22,788.00	99,268.16	600.24	365.35	234.89	21,887.98	900.02	90,268.14
82	500.24	242.97	257.27	23,045.27	99,025.19	600.24	366.30	233.94	22,121.92	923.35	89,901.84
83	500.24	243.60	256.64	23,301.91	98,781.59	600.24	367.25	233.00	22,354.92	946.99	89,534.59
84	500.24	244.24	256.01	23,557.92	98,537.35	600.24	368.20	232.04	22,586.96	970.96	89,166.39
Year 7 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
85	500.24	244.87	255.38	23,813.30	98,292.48	600.24	369.16	231.09	22,818.05	995.24	88,797.24
86	500.24	245.50	254.74	24,068.04	98,046.98	600.24	370.11	230.13	23,048.18	1,019.85	88,427.12
87	500.24	246.14	254.11	24,322.14	97,800.84	600.24	371.07	229.17	23,277.36	1,044.78	88,056.05
88	500.24	246.78	253.47	24,575.61	97,554.06	600.24	372.03	228.21	23,505.57	1,070.04	87,684.02
89	500.24	247.42	252.83	24,828.44	97,306.64	600.24	373.00	227.25	23,732.82	1,095.62	87,311.02
90	500.24	248.06	252.19	25,080.62	97,058.58	600.24	373.96	226.28	23,959.10	1,121.52	86,937.06
91	500.24	248.70	251.54	25,332.17	96,809.88	600.24	374.93	225.31	24,184.41	1,147.76	86,562.13
92	500.24	249.35	250.90	25,583.07	96,560.54	600.24	375.90	224.34	24,408.75	1,174.31	86,186.22
93	500.24	249.99	250.25	25,833.32	96,310.54	600.24	376.88	223.37	24,632.12	1,201.20	85,809.34
94	500.24	250.64	249.60	26,082.92	96,059.90	600.24	377.86	222.39	24,854.51	1,228.42	85,431.49
95	500.24	251.29	248.96	26,331.88	95,808.61	600.24	378.83	221.41	25,075.92	1,255.96	85,052.65
96	500.24	251.94	248.30	26,580.18	95,556.67	600.24	379.82	220.43	25,296.34	1,283.84	84,672.84
Year 8 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
97	500.24	252.59	247.65	26,827.83	95,304.08	600.24	380.80	219.44	25,515.79	1,312.05	84,292.03
98	500.24	253.25	247.00	27,074.83	95,050.83	600.24	381.79	218.46	25,734.25	1,340.59	83,910.25
99	500.24	253.90	246.34	27,321.17	94,796.93	600.24	382.78	217.47	25,951.71	1,369.46	83,527.47
100	500.24	254.56	245.68	27,566.85	94,542.36	600.24	383.77	216.48	26,168.19	1,398.66	83,143.70
101	500.24	255.22	245.02	27,811.87	94,287.14	600.24	384.76	215.48	26,383.67	1,428.21	82,758.93
102	500.24	255.88	244.36	28,056.24	94,031.26	600.24	385.76	214.48	26,598.15	1,458.08	82,373.17
103	500.24	256.55	243.70	28,299.93	93,774.71	600.24	386.76	213.48	26,811.64	1,488.30	81,986.41
104	500.24	257.21	243.03	28,542.97	93,517.50	600.24	387.76	212.48	27,024.12	1,518.85	81,598.65
105	500.24	257.88	242.37	28,785.33	93,259.62	600.24	388.77	211.48	27,235.59	1,549.74	81,209.88
106	500.24	258.55	241.70	29,027.03	93,001.07	600.24	389.78	210.47	27,446.06	1,580.97	80,820.10
107	500.24	259.22	241.03	29,268.06	92,741.85	600.24	390.79	209.46	27,655.52	1,612.54	80,429.32
108	500.24	259.89	240.36	29,508.41	92,481.97	600.24	391.80	208.45	27,863.97	1,644.45	80,037.52
Year 9 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
109	500.24	260.56	239.68	29,748.10	92,221.40	600.24	392.81	207.43	28,071.40	1,676.70	79,644.71
110	500.24	261.24	239.01	29,987.10	91,960.17	600.24	393.83	206.41	28,277.81	1,709.29	79,250.87
111	500.24	261.91	238.33	30,225.43	91,698.25	600.24	394.85	205.39	28,483.20	1,742.23	78,856.02
112	500.24	262.59	237.65	30,463.08	91,435.66	600.24	395.88	204.37	28,687.57	1,775.51	78,460.14
113	500.24	263.27	236.97	30,700.06	91,172.38	600.24	396.90	203.34	28,890.91	1,809.14	78,063.24
114	500.24	263.96	236.29	30,936.34	90,908.43	600.24	397.93	202.31	29,093.23	1,843.12	77,665.31
115	500.24	264.64	235.60	31,171.95	90,643.79	600.24	398.96	201.28	29,294.51	1,877.44	77,266.35
116	500.24	265.33	234.92	31,406.87	90,378.46	600.24	400.00	200.25	29,494.76	1,912.11	76,866.35
117	500.24	266.01	234.23	31,641.10	90,112.45	600.24	401.03	199.21	29,693.97	1,947.13	76,465.32
118	500.24	266.70	233.54	31,874.64	89,845.74	600.24	402.07	198.17	29,892.14	1,982.50	76,063.25
119	500.24	267.39	232.85	32,107.49	89,578.35	600.24	403.11	197.13	30,089.27	2,018.22	75,660.13
120	500.24	268.09	232.16	32,339.65	89,310.26	600.24	404.16	196.09	30,285.36	2,054.29	75,255.97
Year 10 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
121	500.24	268.78	231.46	32,571.11	89,041.48	600.24	405.21	195.04	30,480.40	2,090.71	74,850.77
122	500.24	269.48	230.77	32,801.87	88,772.00	600.24	406.26	193.99	30,674.39	2,127.49	74,444.51
123	500.24	270.18	230.07	33,031.94	88,501.82	600.24	407.31	192.94	30,867.32	2,164.62	74,037.20
124	500.24	270.88	229.37	33,261.31	88,230.94	600.24	408.37	191.88	31,059.20	2,202.11	73,628.84
125	500.24	271.58	228.67	33,489.97	87,959.36	600.24	409.42	190.82	31,250.02	2,239.95	73,219.41
126	500.24	272.28	227.96	33,717.94	87,687.08	600.24	410.48	189.76	31,439.78	2,278.15	72,808.93
127	500.24	272.99	227.26	33,945.19	87,414.09	600.24	411.55	188.70	31,628.48	2,316.71	72,397.38
128	500.24	273.70	226.55	34,171.74	87,140.39	600.24	412.62	187.63	31,816.11	2,355.63	71,984.76
129	500.24	274.41	225.84	34,397.58	86,865.99	600.24	413.68	186.56	32,002.67	2,394.91	71,571.08
130	500.24	275.12	225.13	34,622.71	86,590.87	600.24	414.76	185.49	32,188.16	2,434.55	71,156.32
131	500.24	275.83	224.41	34,847.12	86,315.04	600.24	415.83	184.41	32,372.57	2,474.55	70,740.49
132	500.24	276.55	223.70	35,070.82	86,038.50	600.24	416.91	183.34	32,555.91	2,514.91	70,323.58
Year 11 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
133	500.24	277.26	222.98	35,293.80	85,761.23	600.24	417.99	182.26	32,738.16	2,555.64	69,905.59
134	500.24	277.98	222.26	35,516.07	85,483.25	600.24	419.07	181.17	32,919.34	2,596.73	69,486.52
135	500.24	278.70	221.54	35,737.61	85,204.55	600.24	420.16	180.09	33,099.42	2,638.19	69,066.36
136	500.24	279.42	220.82	35,958.43	84,925.13	600.24	421.25	179.00	33,278.42	2,680.02	68,645.11
137	500.24	280.15	220.10	36,178.53	84,644.98	600.24	422.34	177.91	33,456.32	2,722.21	68,222.77
138	500.24	280.87	219.37	36,397.90	84,364.11	600.24	423.43	176.81	33,633.13	2,764.77	67,799.34
139	500.24	281.60	218.64	36,616.55	84,082.51	600.24	424.53	175.71	33,808.85	2,807.70	67,374.81
140	500.24	282.33	217.91	36,834.46	83,800.18	600.24	425.63	174.61	33,983.46	2,851.00	66,949.18
141	500.24	283.06	217.18	37,051.64	83,517.11	600.24	426.73	173.51	34,156.97	2,894.67	66,522.44
142	500.24	283.80	216.45	37,268.09	83,233.32	600.24	427.84	172.40	34,329.37	2,938.72	66,094.60
143	500.24	284.53	215.71	37,483.80	82,948.79	600.24	428.95	171.30	34,500.67	2,983.14	65,665.65
144	500.24	285.27	214.98	37,698.78	82,663.52	600.24	430.06	170.18	34,670.85	3,027.93	65,235.59
Year 12 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
145	500.24	286.01	214.24	37,913.02	82,377.51	600.24	431.18	169.07	34,839.92	3,073.09	64,804.41
146	500.24	286.75	213.50	38,126.51	82,090.76	600.24	432.29	167.95	35,007.87	3,118.64	64,372.12
147	500.24	287.49	212.75	38,339.26	81,803.26	600.24	433.41	166.83	35,174.70	3,164.56	63,938.71
148	500.24	288.24	212.01	38,551.27	81,515.03	600.24	434.54	165.71	35,340.41	3,210.86	63,504.17
149	500.24	288.99	211.26	38,762.53	81,226.04	600.24	435.66	164.58	35,504.99	3,257.54	63,068.51
150	500.24	289.73	210.51	38,973.04	80,936.31	600.24	436.79	163.45	35,668.45	3,304.59	62,631.71
151	500.24	290.48	209.76	39,182.80	80,645.82	600.24	437.92	162.32	35,830.77	3,352.03	62,193.79
152	500.24	291.24	209.01	39,391.81	80,354.58	600.24	439.06	161.19	35,991.95	3,399.86	61,754.73
153	500.24	291.99	208.25	39,600.06	80,062.59	600.24	440.20	160.05	36,152.00	3,448.06	61,314.53
154	500.24	292.75	207.50	39,807.56	79,769.84	600.24	441.34	158.91	36,310.91	3,496.65	60,873.19
155	500.24	293.51	206.74	40,014.29	79,476.33	600.24	442.48	157.76	36,468.67	3,545.62	60,430.71
156	500.24	294.27	205.98	40,220.27	79,182.07	600.24	443.63	156.62	36,625.29	3,594.98	59,987.08
Year 13 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
157	500.24	295.03	205.21	40,425.48	78,887.03	600.24	444.78	155.47	36,780.75	3,644.73	59,542.30
158	500.24	295.80	204.45	40,629.93	78,591.24	600.24	445.93	154.31	36,935.07	3,694.86	59,096.37
159	500.24	296.56	203.68	40,833.61	78,294.68	600.24	447.09	153.16	37,088.22	3,745.39	58,649.29
160	500.24	297.33	202.91	41,036.53	77,997.34	600.24	448.25	152.00	37,240.22	3,796.30	58,201.04
161	500.24	298.10	202.14	41,238.67	77,699.24	600.24	449.41	150.84	37,391.06	3,847.61	57,751.63
162	500.24	298.87	201.37	41,440.04	77,400.37	600.24	450.57	149.67	37,540.73	3,899.31	57,301.06
163	500.24	299.65	200.60	41,640.64	77,100.72	600.24	451.74	148.51	37,689.24	3,951.40	56,849.32
164	500.24	300.43	199.82	41,840.46	76,800.29	600.24	452.91	147.33	37,836.57	4,003.88	56,396.41
165	500.24	301.20	199.04	42,039.50	76,499.09	600.24	454.08	146.16	37,982.74	4,056.76	55,942.33
166	500.24	301.98	198.26	42,237.76	76,197.11	600.24	455.26	144.98	38,127.72	4,110.04	55,487.07
167	500.24	302.77	197.48	42,435.23	75,894.34	600.24	456.44	143.80	38,271.52	4,163.71	55,030.63
168	500.24	303.55	196.69	42,631.93	75,590.79	600.24	457.62	142.62	38,414.14	4,217.78	54,573.00
Year 14 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
169	500.24	304.34	195.91	42,827.83	75,286.45	600.24	458.81	141.44	38,555.58	4,272.25	54,114.19
170	500.24	305.13	195.12	43,022.95	74,981.32	600.24	460.00	140.25	38,695.82	4,327.13	53,654.19
171	500.24	305.92	194.33	43,217.28	74,675.40	600.24	461.19	139.05	38,834.88	4,382.40	53,193.00
172	500.24	306.71	193.53	43,410.81	74,368.69	600.24	462.39	137.86	38,972.74	4,438.07	52,730.62
173	500.24	307.51	192.74	43,603.55	74,061.18	600.24	463.58	136.66	39,109.40	4,494.15	52,267.03
174	500.24	308.30	191.94	43,795.49	73,752.88	600.24	464.79	135.46	39,244.86	4,550.64	51,802.25
175	500.24	309.10	191.14	43,986.63	73,443.78	600.24	465.99	134.25	39,379.11	4,607.52	51,336.25
176	500.24	309.90	190.34	44,176.98	73,133.88	600.24	467.20	133.05	39,512.16	4,664.82	50,869.06
177	500.24	310.71	189.54	44,366.52	72,823.17	600.24	468.41	131.84	39,643.99	4,722.52	50,400.65
178	500.24	311.51	188.73	44,555.25	72,511.66	600.24	469.62	130.62	39,774.61	4,780.63	49,931.02
179	500.24	312.32	187.93	44,743.17	72,199.34	600.24	470.84	129.40	39,904.02	4,839.16	49,460.18
180	500.24	313.13	187.12	44,930.29	71,886.21	600.24	472.06	128.18	40,032.20	4,898.09	48,988.12
Year 15 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
181	500.24	313.94	186.31	45,116.60	71,572.27	600.24	473.28	126.96	40,159.16	4,957.43	48,514.84
182	500.24	314.75	185.49	45,302.09	71,257.52	600.24	474.51	125.73	40,284.90	5,017.19	48,040.33
183	500.24	315.57	184.68	45,486.76	70,941.95	600.24	475.74	124.50	40,409.40	5,077.36	47,564.59
184	500.24	316.39	183.86	45,670.62	70,625.56	600.24	476.97	123.27	40,532.67	5,137.95	47,087.61
185	500.24	317.21	183.04	45,853.66	70,308.36	600.24	478.21	122.04	40,654.71	5,198.95	46,609.41
186	500.24	318.03	182.22	46,035.88	69,990.33	600.24	479.45	120.80	40,775.51	5,260.37	46,129.96
187	500.24	318.85	181.39	46,217.27	69,671.47	600.24	480.69	119.55	40,895.06	5,322.21	45,649.26
188	500.24	319.68	180.57	46,397.83	69,351.79	600.24	481.94	118.31	41,013.37	5,384.47	45,167.33
189	500.24	320.51	179.74	46,577.57	69,031.28	600.24	483.19	117.06	41,130.43	5,447.14	44,684.14
190	500.24	321.34	178.91	46,756.47	68,709.95	600.24	484.44	115.81	41,246.23	5,510.24	44,199.70
191	500.24	322.17	178.07	46,934.55	68,387.77	600.24	485.69	114.55	41,360.78	5,573.77	43,714.01
192	500.24	323.01	177.24	47,111.79	68,064.77	600.24	486.95	113.29	41,474.07	5,637.71	43,227.06
Year 16 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
193	500.24	323.84	176.40	47,288.19	67,740.92	600.24	488.21	112.03	41,586.10	5,702.08	42,738.84
194	500.24	324.68	175.56	47,463.75	67,416.24	600.24	489.48	110.76	41,696.87	5,766.88	42,249.36
195	500.24	325.52	174.72	47,638.47	67,090.72	600.24	490.75	109.50	41,806.37	5,832.10	41,758.61
196	500.24	326.37	173.88	47,812.35	66,764.35	600.24	492.02	108.22	41,914.59	5,897.76	41,266.59
197	500.24	327.21	173.03	47,985.38	66,437.13	600.24	493.30	106.95	42,021.54	5,963.84	40,773.30
198	500.24	328.06	172.18	48,157.56	66,109.07	600.24	494.57	105.67	42,127.21	6,030.35	40,278.72
199	500.24	328.91	171.33	48,328.89	65,780.16	600.24	495.86	104.39	42,231.60	6,097.29	39,782.87
200	500.24	329.76	170.48	48,499.37	65,450.40	600.24	497.14	103.10	42,334.70	6,164.67	39,285.73
201	500.24	330.62	169.63	48,669.00	65,119.78	600.24	498.43	101.82	42,436.52	6,232.48	38,787.30
202	500.24	331.48	168.77	48,837.77	64,788.30	600.24	499.72	100.52	42,537.04	6,300.73	38,287.58
203	500.24	332.34	167.91	49,005.68	64,455.97	600.24	501.02	99.23	42,636.27	6,369.41	37,786.56
204	500.24	333.20	167.05	49,172.73	64,122.77	600.24	502.31	97.93	42,734.20	6,438.52	37,284.24
Year 17 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
205	500.24	334.06	166.18	49,338.91	63,788.71	600.24	503.62	96.63	42,830.83	6,508.08	36,780.63
206	500.24	334.93	165.32	49,504.23	63,453.78	600.24	504.92	95.32	42,926.15	6,578.08	36,275.71
207	500.24	335.79	164.45	49,668.68	63,117.99	600.24	506.23	94.01	43,020.17	6,648.51	35,769.48
208	500.24	336.66	163.58	49,832.26	62,781.32	600.24	507.54	92.70	43,112.87	6,719.39	35,261.93
209	500.24	337.54	162.71	49,994.97	62,443.79	600.24	508.86	91.39	43,204.26	6,790.71	34,753.08
210	500.24	338.41	161.83	50,156.80	62,105.38	600.24	510.18	90.07	43,294.33	6,862.48	34,242.90
211	500.24	339.29	160.96	50,317.76	61,766.09	600.24	511.50	88.75	43,383.07	6,934.69	33,731.40
212	500.24	340.17	160.08	50,477.84	61,425.92	600.24	512.82	87.42	43,470.49	7,007.34	33,218.58
213	500.24	341.05	159.20	50,637.03	61,084.87	600.24	514.15	86.09	43,556.58	7,080.45	32,704.42
214	500.24	341.93	158.31	50,795.34	60,742.94	600.24	515.49	84.76	43,641.34	7,154.00	32,188.94
215	500.24	342.82	157.43	50,952.77	60,400.12	600.24	516.82	83.42	43,724.77	7,228.00	31,672.11
216	500.24	343.71	156.54	51,109.31	60,056.41	600.24	518.16	82.08	43,806.85	7,302.46	31,153.95
Year 18 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
217	500.24	344.60	155.65	51,264.95	59,711.81	600.24	519.50	80.74	43,887.59	7,377.36	30,634.45
218	500.24	345.49	154.75	51,419.71	59,366.32	600.24	520.85	79.39	43,966.98	7,452.72	30,113.60
219	500.24	346.39	153.86	51,573.56	59,019.93	600.24	522.20	78.04	44,045.03	7,528.53	29,591.40
220	500.24	347.28	152.96	51,726.52	58,672.65	600.24	523.55	76.69	44,121.72	7,604.80	29,067.84
221	500.24	348.18	152.06	51,878.58	58,324.46	600.24	524.91	75.33	44,197.05	7,681.53	28,542.93
222	500.24	349.09	151.16	52,029.74	57,975.38	600.24	526.27	73.97	44,271.03	7,758.71	28,016.66
223	500.24	349.99	150.25	52,179.99	57,625.38	600.24	527.64	72.61	44,343.64	7,836.36	27,489.03
224	500.24	350.90	149.35	52,329.34	57,274.48	600.24	529.00	71.24	44,414.88	7,914.46	26,960.02
225	500.24	351.81	148.44	52,477.78	56,922.68	600.24	530.37	69.87	44,484.75	7,993.02	26,429.65
226	500.24	352.72	147.52	52,625.30	56,569.96	600.24	531.75	68.50	44,553.25	8,072.05	25,897.90
227	500.24	353.63	146.61	52,771.91	56,216.32	600.24	533.13	67.12	44,620.37	8,151.54	25,364.78
228	500.24	354.55	145.69	52,917.61	55,861.77	600.24	534.51	65.74	44,686.10	8,231.50	24,830.27
Year 19 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
229	500.24	355.47	144.78	53,062.38	55,506.30	600.24	535.89	64.35	44,750.46	8,311.92	24,294.38
230	500.24	356.39	143.85	53,206.23	55,149.91	600.24	537.28	62.96	44,813.42	8,392.82	23,757.09
231	500.24	357.31	142.93	53,349.16	54,792.59	600.24	538.67	61.57	44,874.99	8,474.18	23,218.42
232	500.24	358.24	142.00	53,491.17	54,434.35	600.24	540.07	60.17	44,935.16	8,556.00	22,678.35
233	500.24	359.17	141.08	53,632.24	54,075.18	600.24	541.47	58.77	44,993.94	8,638.31	22,136.88
234	500.24	360.10	140.14	53,772.39	53,715.08	600.24	542.87	57.37	45,051.31	8,721.08	21,594.01
235	500.24	361.03	139.21	53,911.60	53,354.05	600.24	544.28	55.96	45,107.27	8,804.33	21,049.73
236	500.24	361.97	138.28	54,049.88	52,992.08	600.24	545.69	54.55	45,161.83	8,888.05	20,504.03
237	500.24	362.91	137.34	54,187.21	52,629.18	600.24	547.11	53.14	45,214.97	8,972.25	19,956.93
238	500.24	363.85	136.40	54,323.61	52,265.33	600.24	548.52	51.72	45,266.69	9,056.92	19,408.41
239	500.24	364.79	135.45	54,459.07	51,900.54	600.24	549.94	50.30	45,316.99	9,142.08	18,858.46
240	500.24	365.74	134.51	54,593.57	51,534.80	600.24	551.37	48.87	45,365.86	9,227.71	18,307.09
Year 20 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
241	500.24	366.68	133.56	54,727.14	51,168.12	600.24	552.80	47.45	45,413.31	9,313.83	17,754.29
242	500.24	367.63	132.61	54,859.75	50,800.48	600.24	554.23	46.01	45,459.32	9,400.42	17,200.06
243	500.24	368.59	131.66	54,991.40	50,431.90	600.24	555.67	44.58	45,503.90	9,487.50	16,644.39
244	500.24	369.54	130.70	55,122.11	50,062.35	600.24	557.11	43.14	45,547.04	9,575.07	16,087.28
245	500.24	370.50	129.74	55,251.85	49,691.85	600.24	558.55	41.69	45,588.73	9,663.12	15,528.73
246	500.24	371.46	128.78	55,380.64	49,320.39	600.24	560.00	40.25	45,628.98	9,751.66	14,968.73
247	500.24	372.42	127.82	55,508.46	48,947.97	600.24	561.45	38.79	45,667.77	9,840.69	14,407.28
248	500.24	373.39	126.86	55,635.32	48,574.58	600.24	562.91	37.34	45,705.11	9,930.21	13,844.38
249	500.24	374.36	125.89	55,761.20	48,200.23	600.24	564.36	35.88	45,740.99	10,020.22	13,280.01
250	500.24	375.33	124.92	55,886.12	47,824.90	600.24	565.83	34.42	45,775.41	10,110.72	12,714.18
251	500.24	376.30	123.95	56,010.07	47,448.60	600.24	567.29	32.95	45,808.36	10,201.71	12,146.89
252	500.24	377.27	122.97	56,133.04	47,071.33	600.24	568.76	31.48	45,839.84	10,293.20	11,578.12
Year 21 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
253	500.24	378.25	121.99	56,255.03	46,693.08	600.24	570.24	30.01	45,869.84	10,385.19	11,007.89
254	500.24	379.23	121.01	56,376.05	46,313.85	600.24	571.72	28.53	45,898.37	10,477.67	10,436.17
255	500.24	380.21	120.03	56,496.08	45,933.63	600.24	573.20	27.05	45,925.42	10,570.66	9,862.97
256	500.24	381.20	119.04	56,615.12	45,552.43	600.24	574.68	25.56	45,950.98	10,664.14	9,288.29
257	500.24	382.19	118.06	56,733.18	45,170.24	600.24	576.17	24.07	45,975.05	10,758.13	8,712.12
258	500.24	383.18	117.07	56,850.24	44,787.06	600.24	577.67	22.58	45,997.63	10,852.61	8,134.45
259	500.24	384.17	116.07	56,966.32	44,402.89	600.24	579.16	21.08	46,018.71	10,947.60	7,555.29
260	500.24	385.17	115.08	57,081.40	44,017.72	600.24	580.66	19.58	46,038.29	11,043.10	6,974.62
261	500.24	386.17	114.08	57,195.47	43,631.56	600.24	582.17	18.08	46,056.37	11,139.10	6,392.45
262	500.24	387.17	113.08	57,308.55	43,244.39	600.24	583.68	16.57	46,072.94	11,235.62	5,808.78
263	500.24	388.17	112.08	57,420.63	42,856.22	600.24	585.19	15.05	46,087.99	11,332.64	5,223.59
264	500.24	389.18	111.07	57,531.70	42,467.05	600.24	586.71	13.54	46,101.53	11,430.17	4,636.88
Year 22 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
265	500.24	390.18	110.06	57,641.76	42,076.86	600.24	588.23	12.02	46,113.55	11,528.21	4,048.65
266	500.24	391.20	109.05	57,750.81	41,685.67	600.24	589.75	10.49	46,124.04	11,626.77	3,458.90
267	500.24	392.21	108.04	57,858.84	41,293.46	600.24	591.28	8.96	46,133.00	11,725.84	2,867.62
268	500.24	393.23	107.02	57,965.86	40,900.23	600.24	592.81	7.43	46,140.44	11,825.42	2,274.81
269	500.24	394.25	106.00	58,071.86	40,505.99	600.24	594.35	5.90	46,146.33	11,925.53	1,680.46
270	500.24	395.27	104.98	58,176.84	40,110.72	600.24	595.89	4.36	46,150.69	12,026.15	1,084.57
271	500.24	396.29	103.95	58,280.79	39,714.43	600.24	597.43	2.81	46,153.50	12,127.29	487.13
272	500.24	397.32	102.93	58,383.72	39,317.11	488.40	487.13	1.26	46,154.76	12,228.96	0.00

Loan Paid off in Year 23.

Total Interest Based on 30 Year Loan with No Extra Payment $63,088.16.

Total Interest Saved with Pre-Payment is $16,933.40