20% Rebate for Buyers
$3,500 Flat Fee for Sellers
2% Full Service for Sellers

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: $16,000

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	615.69	242.49	373.20	373.20	143,757.51	715.69	342.49	373.20	373.20	0.00	143,657.51
2	615.69	243.11	372.57	745.77	143,514.40	715.69	343.37	372.31	745.51	0.26	143,314.14
3	615.69	243.74	371.94	1,117.71	143,270.65	715.69	344.26	371.42	1,116.93	0.78	142,969.88
4	615.69	244.38	371.31	1,489.02	143,026.28	715.69	345.16	370.53	1,487.47	1.56	142,624.72
5	615.69	245.01	370.68	1,859.70	142,781.27	715.69	346.05	369.64	1,857.10	2.60	142,278.67
6	615.69	245.64	370.04	2,229.74	142,535.62	715.69	346.95	368.74	2,225.84	3.90	141,931.72
7	615.69	246.28	369.40	2,599.15	142,289.34	715.69	347.85	367.84	2,593.68	5.47	141,583.88
8	615.69	246.92	368.77	2,967.91	142,042.42	715.69	348.75	366.94	2,960.62	7.29	141,235.13
9	615.69	247.56	368.13	3,336.04	141,794.86	715.69	349.65	366.03	3,326.65	9.39	140,885.48
10	615.69	248.20	367.49	3,703.52	141,546.66	715.69	350.56	365.13	3,691.78	11.74	140,534.92
11	615.69	248.84	366.84	4,070.37	141,297.82	715.69	351.47	364.22	4,056.00	14.37	140,183.45
12	615.69	249.49	366.20	4,436.56	141,048.33	715.69	352.38	363.31	4,419.31	17.25	139,831.08
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	615.69	250.14	365.55	4,802.11	140,798.19	715.69	353.29	362.40	4,781.70	20.41	139,477.79
14	615.69	250.78	364.90	5,167.01	140,547.41	715.69	354.21	361.48	5,143.18	23.83	139,123.58
15	615.69	251.43	364.25	5,531.27	140,295.98	715.69	355.12	360.56	5,503.75	27.52	138,768.46
16	615.69	252.09	363.60	5,894.87	140,043.89	715.69	356.04	359.64	5,863.39	31.48	138,412.41
17	615.69	252.74	362.95	6,257.81	139,791.15	715.69	356.97	358.72	6,222.11	35.71	138,055.44
18	615.69	253.39	362.29	6,620.11	139,537.76	715.69	357.89	357.79	6,579.90	40.21	137,697.55
19	615.69	254.05	361.64	6,981.74	139,283.71	715.69	358.82	356.87	6,936.77	44.98	137,338.73
20	615.69	254.71	360.98	7,342.72	139,029.00	715.69	359.75	355.94	7,292.70	50.02	136,978.98
21	615.69	255.37	360.32	7,703.04	138,773.63	715.69	360.68	355.00	7,647.71	55.33	136,618.30
22	615.69	256.03	359.65	8,062.69	138,517.60	715.69	361.62	354.07	8,001.78	60.91	136,256.68
23	615.69	256.69	358.99	8,421.68	138,260.90	715.69	362.55	353.13	8,354.91	66.77	135,894.13
24	615.69	257.36	358.33	8,780.01	138,003.54	715.69	363.49	352.19	8,707.10	72.91	135,530.64
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	615.69	258.03	357.66	9,137.67	137,745.52	715.69	364.44	351.25	9,058.35	79.32	135,166.20
26	615.69	258.70	356.99	9,494.66	137,486.82	715.69	365.38	350.31	9,408.66	86.00	134,800.82
27	615.69	259.37	356.32	9,850.98	137,227.46	715.69	366.33	349.36	9,758.01	92.96	134,434.49
28	615.69	260.04	355.65	10,206.63	136,967.42	715.69	367.28	348.41	10,106.42	100.20	134,067.22
29	615.69	260.71	354.97	10,561.60	136,706.70	715.69	368.23	347.46	10,453.88	107.72	133,698.99
30	615.69	261.39	354.30	10,915.90	136,445.32	715.69	369.18	346.50	10,800.38	115.51	133,329.80
31	615.69	262.07	353.62	11,269.52	136,183.25	715.69	370.14	345.55	11,145.93	123.59	132,959.66
32	615.69	262.74	352.94	11,622.46	135,920.51	715.69	371.10	344.59	11,490.52	131.94	132,588.57
33	615.69	263.43	352.26	11,974.72	135,657.08	715.69	372.06	343.63	11,834.14	140.58	132,216.50
34	615.69	264.11	351.58	12,326.30	135,392.97	715.69	373.02	342.66	12,176.80	149.49	131,843.48
35	615.69	264.79	350.89	12,677.19	135,128.18	715.69	373.99	341.69	12,518.50	158.69	131,469.49
36	615.69	265.48	350.21	13,027.40	134,862.70	715.69	374.96	340.73	12,859.22	168.18	131,094.53
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	615.69	266.17	349.52	13,376.92	134,596.54	715.69	375.93	339.75	13,198.98	177.94	130,718.59
38	615.69	266.86	348.83	13,725.75	134,329.68	715.69	376.91	338.78	13,537.76	187.99	130,341.69
39	615.69	267.55	348.14	14,073.89	134,062.13	715.69	377.88	337.80	13,875.56	198.33	129,963.80
40	615.69	268.24	347.44	14,421.33	133,793.89	715.69	378.86	336.82	14,212.38	208.95	129,584.94
41	615.69	268.94	346.75	14,768.08	133,524.95	715.69	379.85	335.84	14,548.22	219.86	129,205.10
42	615.69	269.63	346.05	15,114.13	133,255.32	715.69	380.83	334.86	14,883.08	231.05	128,824.27
43	615.69	270.33	345.35	15,459.48	132,984.99	715.69	381.82	333.87	15,216.95	242.54	128,442.45
44	615.69	271.03	344.65	15,804.14	132,713.95	715.69	382.81	332.88	15,549.83	254.31	128,059.64
45	615.69	271.74	343.95	16,148.09	132,442.22	715.69	383.80	331.89	15,881.72	266.37	127,675.85
46	615.69	272.44	343.25	16,491.33	132,169.78	715.69	384.79	330.89	16,212.61	278.72	127,291.05
47	615.69	273.15	342.54	16,833.87	131,896.63	715.69	385.79	329.90	16,542.51	291.37	126,905.26
48	615.69	273.85	341.83	17,175.71	131,622.78	715.69	386.79	328.90	16,871.40	304.30	126,518.47
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	615.69	274.56	341.12	17,516.83	131,348.21	715.69	387.79	327.89	17,199.30	317.53	126,130.68
50	615.69	275.28	340.41	17,857.24	131,072.94	715.69	388.80	326.89	17,526.18	331.05	125,741.88
51	615.69	275.99	339.70	18,196.94	130,796.95	715.69	389.80	325.88	17,852.07	344.87	125,352.08
52	615.69	276.70	338.98	18,535.92	130,520.25	715.69	390.82	324.87	18,176.94	358.98	124,961.26
53	615.69	277.42	338.26	18,874.18	130,242.82	715.69	391.83	323.86	18,500.79	373.39	124,569.44
54	615.69	278.14	337.55	19,211.73	129,964.68	715.69	392.84	322.84	18,823.64	388.09	124,176.59
55	615.69	278.86	336.83	19,548.55	129,685.82	715.69	393.86	321.82	19,145.46	403.09	123,782.73
56	615.69	279.58	336.10	19,884.66	129,406.24	715.69	394.88	320.80	19,466.26	418.39	123,387.85
57	615.69	280.31	335.38	20,220.03	129,125.93	715.69	395.91	319.78	19,786.04	433.99	122,991.94
58	615.69	281.03	334.65	20,554.69	128,844.90	715.69	396.93	318.75	20,104.80	449.89	122,595.01
59	615.69	281.76	333.92	20,888.61	128,563.13	715.69	397.96	317.73	20,422.52	466.08	122,197.05
60	615.69	282.49	333.19	21,221.80	128,280.64	715.69	398.99	316.69	20,739.22	482.58	121,798.06
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	615.69	283.23	332.46	21,554.26	127,997.42	715.69	400.03	315.66	21,054.88	499.38	121,398.03
62	615.69	283.96	331.73	21,885.99	127,713.46	715.69	401.06	314.62	21,369.50	516.49	120,996.97
63	615.69	284.70	330.99	22,216.98	127,428.76	715.69	402.10	313.58	21,683.09	533.89	120,594.87
64	615.69	285.43	330.25	22,547.23	127,143.33	715.69	403.14	312.54	21,995.63	551.61	120,191.72
65	615.69	286.17	329.51	22,876.75	126,857.15	715.69	404.19	311.50	22,307.12	569.62	119,787.53
66	615.69	286.91	328.77	23,205.52	126,570.24	715.69	405.24	310.45	22,617.57	587.94	119,382.30
67	615.69	287.66	328.03	23,533.55	126,282.58	715.69	406.29	309.40	22,926.97	606.57	118,976.01
68	615.69	288.40	327.28	23,860.83	125,994.18	715.69	407.34	308.35	23,235.32	625.51	118,568.67
69	615.69	289.15	326.53	24,187.36	125,705.03	715.69	408.40	307.29	23,542.61	644.75	118,160.27
70	615.69	289.90	325.79	24,513.15	125,415.13	715.69	409.45	306.23	23,848.84	664.31	117,750.82
71	615.69	290.65	325.03	24,838.18	125,124.47	715.69	410.52	305.17	24,154.01	684.17	117,340.30
72	615.69	291.41	324.28	25,162.46	124,833.07	715.69	411.58	304.11	24,458.12	704.34	116,928.73
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	615.69	292.16	323.53	25,485.99	124,540.91	715.69	412.65	303.04	24,761.16	724.83	116,516.08
74	615.69	292.92	322.77	25,808.76	124,247.99	715.69	413.72	301.97	25,063.13	745.63	116,102.36
75	615.69	293.68	322.01	26,130.77	123,954.32	715.69	414.79	300.90	25,364.03	766.74	115,687.58
76	615.69	294.44	321.25	26,452.01	123,659.88	715.69	415.86	299.82	25,663.85	788.16	115,271.71
77	615.69	295.20	320.49	26,772.50	123,364.68	715.69	416.94	298.75	25,962.60	809.90	114,854.77
78	615.69	295.97	319.72	27,092.22	123,068.71	715.69	418.02	297.67	26,260.26	831.96	114,436.75
79	615.69	296.73	318.95	27,411.17	122,771.98	715.69	419.10	296.58	26,556.85	854.33	114,017.65
80	615.69	297.50	318.18	27,729.36	122,474.48	715.69	420.19	295.50	26,852.34	877.02	113,597.46
81	615.69	298.27	317.41	28,046.77	122,176.20	715.69	421.28	294.41	27,146.75	900.02	113,176.18
82	615.69	299.05	316.64	28,363.41	121,877.16	715.69	422.37	293.31	27,440.06	923.35	112,753.81
83	615.69	299.82	315.86	28,679.28	121,577.34	715.69	423.47	292.22	27,732.28	946.99	112,330.34
84	615.69	300.60	315.09	28,994.36	121,276.74	715.69	424.56	291.12	28,023.41	970.96	111,905.78
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	615.69	301.38	314.31	29,308.67	120,975.36	715.69	425.66	290.02	28,313.43	995.24	111,480.12
86	615.69	302.16	313.53	29,622.20	120,673.20	715.69	426.77	288.92	28,602.35	1,019.85	111,053.35
87	615.69	302.94	312.74	29,934.94	120,370.26	715.69	427.87	287.81	28,890.16	1,044.78	110,625.48
88	615.69	303.73	311.96	30,246.90	120,066.53	715.69	428.98	286.70	29,176.87	1,070.04	110,196.50
89	615.69	304.51	311.17	30,558.08	119,762.02	715.69	430.09	285.59	29,462.46	1,095.62	109,766.40
90	615.69	305.30	310.38	30,868.46	119,456.72	715.69	431.21	284.48	29,746.94	1,121.52	109,335.19
91	615.69	306.09	309.59	31,178.05	119,150.62	715.69	432.33	283.36	30,030.30	1,147.76	108,902.87
92	615.69	306.89	308.80	31,486.85	118,843.74	715.69	433.45	282.24	30,312.54	1,174.31	108,469.42
93	615.69	307.68	308.00	31,794.85	118,536.05	715.69	434.57	281.12	30,593.65	1,201.20	108,034.85
94	615.69	308.48	307.21	32,102.06	118,227.57	715.69	435.70	279.99	30,873.64	1,228.42	107,599.16
95	615.69	309.28	306.41	32,408.47	117,918.29	715.69	436.82	278.86	31,152.50	1,255.96	107,162.33
96	615.69	310.08	305.60	32,714.07	117,608.21	715.69	437.96	277.73	31,430.23	1,283.84	106,724.38
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	615.69	310.88	304.80	33,018.87	117,297.33	715.69	439.09	276.59	31,706.83	1,312.05	106,285.28
98	615.69	311.69	304.00	33,322.87	116,985.64	715.69	440.23	275.46	31,982.28	1,340.59	105,845.05
99	615.69	312.50	303.19	33,626.06	116,673.14	715.69	441.37	274.32	32,256.60	1,369.46	105,403.68
100	615.69	313.31	302.38	33,928.43	116,359.83	715.69	442.51	273.17	32,529.77	1,398.66	104,961.17
101	615.69	314.12	301.57	34,230.00	116,045.71	715.69	443.66	272.02	32,801.79	1,428.21	104,517.51
102	615.69	314.93	300.75	34,530.75	115,730.78	715.69	444.81	270.87	33,072.67	1,458.08	104,072.69
103	615.69	315.75	299.94	34,830.69	115,415.03	715.69	445.96	269.72	33,342.39	1,488.30	103,626.73
104	615.69	316.57	299.12	35,129.80	115,098.46	715.69	447.12	268.57	33,610.96	1,518.85	103,179.61
105	615.69	317.39	298.30	35,428.10	114,781.07	715.69	448.28	267.41	33,878.36	1,549.74	102,731.33
106	615.69	318.21	297.47	35,725.58	114,462.86	715.69	449.44	266.25	34,144.61	1,580.97	102,281.89
107	615.69	319.04	296.65	36,022.23	114,143.82	715.69	450.61	265.08	34,409.69	1,612.54	101,831.29
108	615.69	319.86	295.82	36,318.05	113,823.96	715.69	451.77	263.91	34,673.60	1,644.45	101,379.51
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	615.69	320.69	294.99	36,613.04	113,503.27	715.69	452.94	262.74	34,936.34	1,676.70	100,926.57
110	615.69	321.52	294.16	36,907.20	113,181.74	715.69	454.12	261.57	35,197.91	1,709.29	100,472.45
111	615.69	322.36	293.33	37,200.53	112,859.39	715.69	455.29	260.39	35,458.30	1,742.23	100,017.15
112	615.69	323.19	292.49	37,493.03	112,536.19	715.69	456.47	259.21	35,717.51	1,775.51	99,560.68
113	615.69	324.03	291.66	37,784.68	112,212.16	715.69	457.66	258.03	35,975.54	1,809.14	99,103.02
114	615.69	324.87	290.82	38,075.50	111,887.29	715.69	458.84	256.84	36,232.38	1,843.12	98,644.18
115	615.69	325.71	289.97	38,365.47	111,561.58	715.69	460.03	255.65	36,488.04	1,877.44	98,184.14
116	615.69	326.56	289.13	38,654.61	111,235.03	715.69	461.23	254.46	36,742.50	1,912.11	97,722.92
117	615.69	327.40	288.28	38,942.89	110,907.63	715.69	462.42	253.27	36,995.76	1,947.13	97,260.50
118	615.69	328.25	287.44	39,230.33	110,579.37	715.69	463.62	252.07	37,247.83	1,982.50	96,796.88
119	615.69	329.10	286.58	39,516.91	110,250.27	715.69	464.82	250.87	37,498.69	2,018.22	96,332.06
120	615.69	329.95	285.73	39,802.64	109,920.32	715.69	466.03	249.66	37,748.36	2,054.29	95,866.03
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	615.69	330.81	284.88	40,087.52	109,589.51	715.69	467.23	248.45	37,996.81	2,090.71	95,398.80
122	615.69	331.67	284.02	40,371.54	109,257.84	715.69	468.44	247.24	38,244.05	2,127.49	94,930.36
123	615.69	332.53	283.16	40,654.70	108,925.32	715.69	469.66	246.03	38,490.08	2,164.62	94,460.70
124	615.69	333.39	282.30	40,937.00	108,591.93	715.69	470.88	244.81	38,734.89	2,202.11	93,989.82
125	615.69	334.25	281.43	41,218.43	108,257.68	715.69	472.10	243.59	38,978.48	2,239.95	93,517.73
126	615.69	335.12	280.57	41,499.00	107,922.56	715.69	473.32	242.37	39,220.85	2,278.15	93,044.41
127	615.69	335.99	279.70	41,778.70	107,586.57	715.69	474.55	241.14	39,461.99	2,316.71	92,569.86
128	615.69	336.86	278.83	42,057.53	107,249.72	715.69	475.78	239.91	39,701.90	2,355.63	92,094.09
129	615.69	337.73	277.96	42,335.48	106,911.99	715.69	477.01	238.68	39,940.57	2,394.91	91,617.08
130	615.69	338.61	277.08	42,612.56	106,573.38	715.69	478.25	237.44	40,178.01	2,434.55	91,138.83
131	615.69	339.48	276.20	42,888.76	106,233.90	715.69	479.48	236.20	40,414.22	2,474.55	90,659.35
132	615.69	340.36	275.32	43,164.09	105,893.53	715.69	480.73	234.96	40,649.17	2,514.91	90,178.62
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	615.69	341.25	274.44	43,438.53	105,552.29	715.69	481.97	233.71	40,882.89	2,555.64	89,696.65
134	615.69	342.13	273.56	43,712.08	105,210.16	715.69	483.22	232.46	41,115.35	2,596.73	89,213.42
135	615.69	343.02	272.67	43,984.75	104,867.14	715.69	484.47	231.21	41,346.56	2,638.19	88,728.95
136	615.69	343.91	271.78	44,256.53	104,523.24	715.69	485.73	229.96	41,576.52	2,680.02	88,243.22
137	615.69	344.80	270.89	44,527.42	104,178.44	715.69	486.99	228.70	41,805.22	2,722.21	87,756.23
138	615.69	345.69	270.00	44,797.42	103,832.75	715.69	488.25	227.43	42,032.65	2,764.77	87,267.98
139	615.69	346.59	269.10	45,066.52	103,486.16	715.69	489.52	226.17	42,258.82	2,807.70	86,778.46
140	615.69	347.48	268.20	45,334.72	103,138.68	715.69	490.79	224.90	42,483.72	2,851.00	86,287.68
141	615.69	348.38	267.30	45,602.02	102,790.29	715.69	492.06	223.63	42,707.35	2,894.67	85,795.62
142	615.69	349.29	266.40	45,868.42	102,441.01	715.69	493.33	222.35	42,929.70	2,938.72	85,302.29
143	615.69	350.19	265.49	46,133.91	102,090.81	715.69	494.61	221.08	43,150.78	2,983.14	84,807.68
144	615.69	351.10	264.59	46,398.50	101,739.71	715.69	495.89	219.79	43,370.57	3,027.93	84,311.78
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	615.69	352.01	263.68	46,662.17	101,387.70	715.69	497.18	218.51	43,589.08	3,073.09	83,814.61
146	615.69	352.92	262.76	46,924.94	101,034.78	715.69	498.47	217.22	43,806.30	3,118.64	83,316.14
147	615.69	353.84	261.85	47,186.79	100,680.94	715.69	499.76	215.93	44,022.23	3,164.56	82,816.38
148	615.69	354.75	260.93	47,447.72	100,326.19	715.69	501.05	214.63	44,236.86	3,210.86	82,315.33
149	615.69	355.67	260.01	47,707.73	99,970.51	715.69	502.35	213.33	44,450.19	3,257.54	81,812.98
150	615.69	356.60	259.09	47,966.82	99,613.92	715.69	503.65	212.03	44,662.22	3,304.59	81,309.32
151	615.69	357.52	258.17	48,224.99	99,256.40	715.69	504.96	210.73	44,872.95	3,352.03	80,804.36
152	615.69	358.45	257.24	48,482.23	98,897.95	715.69	506.27	209.42	45,082.37	3,399.86	80,298.09
153	615.69	359.38	256.31	48,738.54	98,538.58	715.69	507.58	208.11	45,290.48	3,448.06	79,790.51
154	615.69	360.31	255.38	48,993.91	98,178.27	715.69	508.90	206.79	45,497.27	3,496.65	79,281.62
155	615.69	361.24	254.45	49,248.36	97,817.03	715.69	510.21	205.47	45,702.74	3,545.62	78,771.40
156	615.69	362.18	253.51	49,501.87	97,454.85	715.69	511.54	204.15	45,906.89	3,594.98	78,259.87
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	615.69	363.12	252.57	49,754.44	97,091.74	715.69	512.86	202.82	46,109.71	3,644.73	77,747.01
158	615.69	364.06	251.63	50,006.07	96,727.68	715.69	514.19	201.49	46,311.20	3,694.86	77,232.81
159	615.69	365.00	250.69	50,256.76	96,362.68	715.69	515.52	200.16	46,511.37	3,745.39	76,717.29
160	615.69	365.95	249.74	50,506.50	95,996.73	715.69	516.86	198.83	46,710.19	3,796.30	76,200.43
161	615.69	366.89	248.79	50,755.29	95,629.84	715.69	518.20	197.49	46,907.68	3,847.61	75,682.23
162	615.69	367.85	247.84	51,003.13	95,261.99	715.69	519.54	196.14	47,103.82	3,899.31	75,162.69
163	615.69	368.80	246.89	51,250.01	94,893.19	715.69	520.89	194.80	47,298.62	3,951.40	74,641.80
164	615.69	369.75	245.93	51,495.95	94,523.44	715.69	522.24	193.45	47,492.06	4,003.88	74,119.56
165	615.69	370.71	244.97	51,740.92	94,152.73	715.69	523.59	192.09	47,684.16	4,056.76	73,595.96
166	615.69	371.67	244.01	51,984.93	93,781.05	715.69	524.95	190.74	47,874.89	4,110.04	73,071.01
167	615.69	372.64	243.05	52,227.98	93,408.42	715.69	526.31	189.38	48,064.27	4,163.71	72,544.70
168	615.69	373.60	242.08	52,470.06	93,034.81	715.69	527.67	188.01	48,252.28	4,217.78	72,017.03
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	615.69	374.57	241.12	52,711.18	92,660.24	715.69	529.04	186.64	48,438.93	4,272.25	71,487.99
170	615.69	375.54	240.14	52,951.32	92,284.70	715.69	530.41	185.27	48,624.20	4,327.13	70,957.58
171	615.69	376.51	239.17	53,190.50	91,908.19	715.69	531.79	183.90	48,808.10	4,382.40	70,425.79
172	615.69	377.49	238.20	53,428.69	91,530.70	715.69	533.17	182.52	48,990.62	4,438.07	69,892.62
173	615.69	378.47	237.22	53,665.91	91,152.23	715.69	534.55	181.14	49,171.76	4,494.15	69,358.07
174	615.69	379.45	236.24	53,902.14	90,772.78	715.69	535.93	179.75	49,351.51	4,550.64	68,822.14
175	615.69	380.43	235.25	54,137.40	90,392.34	715.69	537.32	178.36	49,529.87	4,607.52	68,284.82
176	615.69	381.42	234.27	54,371.66	90,010.92	715.69	538.71	176.97	49,706.84	4,664.82	67,746.10
177	615.69	382.41	233.28	54,604.94	89,628.52	715.69	540.11	175.58	49,882.42	4,722.52	67,205.99
178	615.69	383.40	232.29	54,837.23	89,245.12	715.69	541.51	174.18	50,056.59	4,780.63	66,664.48
179	615.69	384.39	231.29	55,068.52	88,860.73	715.69	542.91	172.77	50,229.37	4,839.16	66,121.57
180	615.69	385.39	230.30	55,298.82	88,475.34	715.69	544.32	171.37	50,400.73	4,898.09	65,577.25
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	615.69	386.39	229.30	55,528.12	88,088.95	715.69	545.73	169.95	50,570.69	4,957.43	65,031.52
182	615.69	387.39	228.30	55,756.42	87,701.56	715.69	547.15	168.54	50,739.23	5,017.19	64,484.37
183	615.69	388.39	227.29	55,983.71	87,313.17	715.69	548.56	167.12	50,906.35	5,077.36	63,935.81
184	615.69	389.40	226.29	56,210.00	86,923.77	715.69	549.99	165.70	51,072.05	5,137.95	63,385.82
185	615.69	390.41	225.28	56,435.27	86,533.36	715.69	551.41	164.27	51,236.32	5,198.95	62,834.41
186	615.69	391.42	224.27	56,659.54	86,141.94	715.69	552.84	162.85	51,399.17	5,260.37	62,281.57
187	615.69	392.43	223.25	56,882.79	85,749.50	715.69	554.27	161.41	51,560.58	5,322.21	61,727.30
188	615.69	393.45	222.23	57,105.02	85,356.05	715.69	555.71	159.98	51,720.56	5,384.47	61,171.59
189	615.69	394.47	221.21	57,326.24	84,961.58	715.69	557.15	158.54	51,879.10	5,447.14	60,614.44
190	615.69	395.49	220.19	57,546.43	84,566.09	715.69	558.59	157.09	52,036.19	5,510.24	60,055.84
191	615.69	396.52	219.17	57,765.60	84,169.57	715.69	560.04	155.64	52,191.83	5,573.77	59,495.80
192	615.69	397.55	218.14	57,983.74	83,772.02	715.69	561.49	154.19	52,346.03	5,637.71	58,934.31
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	615.69	398.58	217.11	58,200.85	83,373.45	715.69	562.95	152.74	52,498.76	5,702.08	58,371.36
194	615.69	399.61	216.08	58,416.92	82,973.84	715.69	564.41	151.28	52,650.04	5,766.88	57,806.96
195	615.69	400.65	215.04	58,631.96	82,573.19	715.69	565.87	149.82	52,799.86	5,832.10	57,241.09
196	615.69	401.68	214.00	58,845.97	82,171.51	715.69	567.34	148.35	52,948.21	5,897.76	56,673.75
197	615.69	402.72	212.96	59,058.93	81,768.78	715.69	568.81	146.88	53,095.09	5,963.84	56,104.94
198	615.69	403.77	211.92	59,270.84	81,365.01	715.69	570.28	145.41	53,240.49	6,030.35	55,534.66
199	615.69	404.82	210.87	59,481.71	80,960.20	715.69	571.76	143.93	53,384.42	6,097.29	54,962.90
200	615.69	405.86	209.82	59,691.54	80,554.33	715.69	573.24	142.45	53,526.87	6,164.67	54,389.66
201	615.69	406.92	208.77	59,900.31	80,147.42	715.69	574.73	140.96	53,667.83	6,232.48	53,814.94
202	615.69	407.97	207.72	60,108.02	79,739.45	715.69	576.22	139.47	53,807.30	6,300.73	53,238.72
203	615.69	409.03	206.66	60,314.68	79,330.42	715.69	577.71	137.98	53,945.27	6,369.41	52,661.01
204	615.69	410.09	205.60	60,520.28	78,920.33	715.69	579.21	136.48	54,081.75	6,438.52	52,081.81
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	615.69	411.15	204.54	60,724.81	78,509.18	715.69	580.71	134.98	54,216.73	6,508.08	51,501.10
206	615.69	412.22	203.47	60,928.28	78,096.96	715.69	582.21	133.47	54,350.21	6,578.08	50,918.89
207	615.69	413.28	202.40	61,130.68	77,683.68	715.69	583.72	131.96	54,482.17	6,648.51	50,335.17
208	615.69	414.36	201.33	61,332.01	77,269.32	715.69	585.23	130.45	54,612.62	6,719.39	49,749.93
209	615.69	415.43	200.26	61,532.27	76,853.89	715.69	586.75	128.94	54,741.56	6,790.71	49,163.18
210	615.69	416.51	199.18	61,731.45	76,437.39	715.69	588.27	127.41	54,868.97	6,862.48	48,574.91
211	615.69	417.59	198.10	61,929.55	76,019.80	715.69	589.80	125.89	54,994.86	6,934.69	47,985.11
212	615.69	418.67	197.02	62,126.57	75,601.13	715.69	591.32	124.36	55,119.22	7,007.34	47,393.79
213	615.69	419.75	195.93	62,322.50	75,181.38	715.69	592.86	122.83	55,242.05	7,080.45	46,800.93
214	615.69	420.84	194.85	62,517.35	74,760.54	715.69	594.39	121.29	55,363.35	7,154.00	46,206.54
215	615.69	421.93	193.75	62,711.10	74,338.61	715.69	595.93	119.75	55,483.10	7,228.00	45,610.60
216	615.69	423.03	192.66	62,903.76	73,915.58	715.69	597.48	118.21	55,601.30	7,302.46	45,013.12
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	615.69	424.12	191.56	63,095.33	73,491.46	715.69	599.03	116.66	55,717.96	7,377.36	44,414.10
218	615.69	425.22	190.47	63,285.79	73,066.24	715.69	600.58	115.11	55,833.07	7,452.72	43,813.52
219	615.69	426.32	189.36	63,475.16	72,639.92	715.69	602.14	113.55	55,946.62	7,528.53	43,211.38
220	615.69	427.43	188.26	63,663.41	72,212.49	715.69	603.70	111.99	56,058.61	7,604.80	42,607.69
221	615.69	428.54	187.15	63,850.56	71,783.95	715.69	605.26	110.42	56,169.03	7,681.53	42,002.42
222	615.69	429.65	186.04	64,036.60	71,354.31	715.69	606.83	108.86	56,277.89	7,758.71	41,395.60
223	615.69	430.76	184.93	64,221.53	70,923.55	715.69	608.40	107.28	56,385.17	7,836.36	40,787.19
224	615.69	431.88	183.81	64,405.34	70,491.67	715.69	609.98	105.71	56,490.88	7,914.46	40,177.21
225	615.69	433.00	182.69	64,588.03	70,058.68	715.69	611.56	104.13	56,595.01	7,993.02	39,565.65
226	615.69	434.12	181.57	64,769.60	69,624.56	715.69	613.15	102.54	56,697.55	8,072.05	38,952.51
227	615.69	435.24	180.44	64,950.04	69,189.32	715.69	614.73	100.95	56,798.50	8,151.54	38,337.77
228	615.69	436.37	179.32	65,129.36	68,752.95	715.69	616.33	99.36	56,897.86	8,231.50	37,721.45
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	615.69	437.50	178.18	65,307.55	68,315.45	715.69	617.92	97.76	56,995.62	8,311.92	37,103.52
230	615.69	438.64	177.05	65,484.60	67,876.81	715.69	619.53	96.16	57,091.78	8,392.82	36,484.00
231	615.69	439.77	175.91	65,660.51	67,437.04	715.69	621.13	94.55	57,186.33	8,474.18	35,862.86
232	615.69	440.91	174.77	65,835.28	66,996.13	715.69	622.74	92.94	57,279.28	8,556.00	35,240.12
233	615.69	442.05	173.63	66,008.92	66,554.07	715.69	624.36	91.33	57,370.61	8,638.31	34,615.77
234	615.69	443.20	172.49	66,181.40	66,110.87	715.69	625.97	89.71	57,460.32	8,721.08	33,989.79
235	615.69	444.35	171.34	66,352.74	65,666.53	715.69	627.60	88.09	57,548.41	8,804.33	33,362.20
236	615.69	445.50	170.19	66,522.92	65,221.02	715.69	629.22	86.46	57,634.88	8,888.05	32,732.98
237	615.69	446.65	169.03	66,691.96	64,774.37	715.69	630.85	84.83	57,719.71	8,972.25	32,102.12
238	615.69	447.81	167.87	66,859.83	64,326.56	715.69	632.49	83.20	57,802.91	9,056.92	31,469.64
239	615.69	448.97	166.71	67,026.54	63,877.58	715.69	634.13	81.56	57,884.47	9,142.08	30,835.51
240	615.69	450.14	165.55	67,192.09	63,427.45	715.69	635.77	79.92	57,964.38	9,227.71	30,199.74
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	615.69	451.30	164.38	67,356.47	62,976.14	715.69	637.42	78.27	58,042.65	9,313.83	29,562.32
242	615.69	452.47	163.21	67,519.69	62,523.67	715.69	639.07	76.62	58,119.26	9,400.42	28,923.25
243	615.69	453.65	162.04	67,681.73	62,070.03	715.69	640.73	74.96	58,194.22	9,487.50	28,282.52
244	615.69	454.82	160.86	67,842.59	61,615.21	715.69	642.39	73.30	58,267.52	9,575.07	27,640.13
245	615.69	456.00	159.69	68,002.28	61,159.21	715.69	644.05	71.63	58,339.16	9,663.12	26,996.08
246	615.69	457.18	158.50	68,160.78	60,702.02	715.69	645.72	69.96	58,409.12	9,751.66	26,350.36
247	615.69	458.37	157.32	68,318.10	60,243.66	715.69	647.39	68.29	58,477.41	9,840.69	25,702.97
248	615.69	459.55	156.13	68,474.23	59,784.10	715.69	649.07	66.61	58,544.03	9,930.21	25,053.89
249	615.69	460.75	154.94	68,629.18	59,323.36	715.69	650.75	64.93	58,608.96	10,020.22	24,403.14
250	615.69	461.94	153.75	68,782.92	58,861.42	715.69	652.44	63.24	58,672.20	10,110.72	23,750.70
251	615.69	463.14	152.55	68,935.47	58,398.28	715.69	654.13	61.55	58,733.76	10,201.71	23,096.57
252	615.69	464.34	151.35	69,086.82	57,933.94	715.69	655.83	59.86	58,793.62	10,293.20	22,440.74
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	615.69	465.54	150.15	69,236.97	57,468.40	715.69	657.53	58.16	58,851.77	10,385.19	21,783.21
254	615.69	466.75	148.94	69,385.90	57,001.66	715.69	659.23	56.45	58,908.23	10,477.67	21,123.98
255	615.69	467.96	147.73	69,533.63	56,533.70	715.69	660.94	54.75	58,962.98	10,570.66	20,463.04
256	615.69	469.17	146.52	69,680.15	56,064.53	715.69	662.65	53.03	59,016.01	10,664.14	19,800.39
257	615.69	470.39	145.30	69,825.45	55,594.14	715.69	664.37	51.32	59,067.33	10,758.13	19,136.02
258	615.69	471.60	144.08	69,969.53	55,122.54	715.69	666.09	49.59	59,116.92	10,852.61	18,469.93
259	615.69	472.83	142.86	70,112.39	54,649.71	715.69	667.82	47.87	59,164.79	10,947.60	17,802.11
260	615.69	474.05	141.63	70,254.02	54,175.66	715.69	669.55	46.14	59,210.92	11,043.10	17,132.56
261	615.69	475.28	140.41	70,394.43	53,700.38	715.69	671.28	44.40	59,255.33	11,139.10	16,461.28
262	615.69	476.51	139.17	70,533.60	53,223.87	715.69	673.02	42.66	59,297.99	11,235.62	15,788.25
263	615.69	477.75	137.94	70,671.54	52,746.12	715.69	674.77	40.92	59,338.91	11,332.64	15,113.48
264	615.69	478.99	136.70	70,808.24	52,267.13	715.69	676.52	39.17	59,378.08	11,430.17	14,436.97
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	615.69	480.23	135.46	70,943.70	51,786.91	715.69	678.27	37.42	59,415.49	11,528.21	13,758.70
266	615.69	481.47	134.21	71,077.92	51,305.44	715.69	680.03	35.66	59,451.15	11,626.77	13,078.67
267	615.69	482.72	132.97	71,210.88	50,822.72	715.69	681.79	33.90	59,485.04	11,725.84	12,396.88
268	615.69	483.97	131.72	71,342.60	50,338.75	715.69	683.56	32.13	59,517.17	11,825.42	11,713.32
269	615.69	485.22	130.46	71,473.06	49,853.52	715.69	685.33	30.36	59,547.53	11,925.53	11,027.99
270	615.69	486.48	129.20	71,602.26	49,367.04	715.69	687.11	28.58	59,576.11	12,026.15	10,340.89
271	615.69	487.74	127.94	71,730.21	48,879.30	715.69	688.89	26.80	59,602.91	12,127.29	9,652.00
272	615.69	489.01	126.68	71,856.88	48,390.29	715.69	690.67	25.01	59,627.93	12,228.96	8,961.33
273	615.69	490.27	125.41	71,982.30	47,900.01	715.69	692.46	23.22	59,651.15	12,331.15	8,268.87
274	615.69	491.55	124.14	72,106.44	47,408.47	715.69	694.26	21.43	59,672.58	12,433.86	7,574.61
275	615.69	492.82	122.87	72,229.30	46,915.65	715.69	696.06	19.63	59,692.21	12,537.09	6,878.56
276	615.69	494.10	121.59	72,350.89	46,421.55	715.69	697.86	17.83	59,710.04	12,640.86	6,180.70
Year 23 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
277	615.69	495.38	120.31	72,471.20	45,926.18	715.69	699.67	16.02	59,726.06	12,745.15	5,481.03
278	615.69	496.66	119.03	72,590.23	45,429.52	715.69	701.48	14.21	59,740.26	12,849.97	4,779.55
279	615.69	497.95	117.74	72,707.97	44,931.57	715.69	703.30	12.39	59,752.65	12,955.32	4,076.25
280	615.69	499.24	116.45	72,824.41	44,432.33	715.69	705.12	10.56	59,763.21	13,061.20	3,371.13
281	615.69	500.53	115.15	72,939.57	43,931.80	715.69	706.95	8.74	59,771.95	13,167.62	2,664.18
282	615.69	501.83	113.86	73,053.42	43,429.97	715.69	708.78	6.90	59,778.85	13,274.57	1,955.40
283	615.69	503.13	112.56	73,165.98	42,926.84	715.69	710.62	5.07	59,783.92	13,382.06	1,244.78
284	615.69	504.43	111.25	73,277.23	42,422.40	715.69	712.46	3.23	59,787.15	13,490.08	532.32
285	615.69	505.74	109.94	73,387.18	41,916.66	533.70	532.32	1.38	59,788.53	13,598.65	0.00

Loan Paid off in Year 24.

Total Interest Based on 30 Year Loan with No Extra Payment $77,646.97.

Total Interest Saved with Pre-Payment is $17,858.44