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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: $2,280

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
1 117.80 117.80 22.04 22.04 95.76 95.76 20,497.96 | 217.80 217.80 122.04 122.04 95.76 95.76 0.00 20,397.96
2 117.80 235.60 22.14 44.18 95.66 191.42 20,475.82 | 217.80 435.60 122.61 244.65 95.19 190.95 0.47 20,275.35
3 117.80 353.40 22.25 66.43 95.55 286.97 20,453.57 | 217.80 653.40 123.18 367.83 94.62 285.57 1.40 20,152.17
4 117.80 471.20 22.35 88.78 95.45 382.42 20,431.22 | 217.80 871.20 123.76 491.59 94.04 379.61 2.81 20,028.41
5 117.80 589.00 22.46 111.24 95.35 477.77 20,408.76 | 217.80 1,089.00 124.34 615.93 93.47 473.08 4.69 19,904.07
6 117.80 706.80 22.56 133.80 95.24 573.01 20,386.20 | 217.80 1,306.80 124.92 740.84 92.89 565.96 7.04 19,779.16
7 117.80 824.60 22.67 156.46 95.14 668.14 20,363.54 | 217.80 1,524.60 125.50 866.34 92.30 658.27 9.88 19,653.66
8 117.80 942.40 22.77 179.24 95.03 763.17 20,340.76 | 217.80 1,742.40 126.08 992.42 91.72 749.98 13.19 19,527.58
9 117.80 1,060.20 22.88 202.11 94.92 858.10 20,317.89 | 217.80 1,960.20 126.67 1,119.10 91.13 841.11 16.98 19,400.90
10 117.80 1,178.00 22.98 225.10 94.82 952.91 20,294.90 | 217.80 2,178.00 127.26 1,246.36 90.54 931.65 21.26 19,273.64
11 117.80 1,295.80 23.09 248.19 94.71 1,047.62 20,271.81 | 217.80 2,395.80 127.86 1,374.22 89.94 1,021.59 26.03 19,145.78
12 117.80 1,413.60 23.20 271.39 94.60 1,142.22 20,248.61 | 217.80 2,613.60 128.45 1,502.67 89.35 1,110.94 31.28 19,017.33
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
13 117.80 1,531.40 23.31 294.69 94.49 1,236.72 20,225.31 | 217.80 2,831.40 129.05 1,631.73 88.75 1,199.69 37.03 18,888.27
14 117.80 1,649.20 23.42 318.11 94.38 1,331.10 20,201.89 | 217.80 3,049.20 129.66 1,761.38 88.15 1,287.83 43.27 18,758.62
15 117.80 1,767.00 23.53 341.64 94.28 1,425.38 20,178.36 | 217.80 3,267.00 130.26 1,891.64 87.54 1,375.37 50.00 18,628.36
16 117.80 1,884.80 23.64 365.27 94.17 1,519.54 20,154.73 | 217.80 3,484.80 130.87 2,022.51 86.93 1,462.31 57.24 18,497.49
17 117.80 2,002.60 23.75 389.02 94.06 1,613.60 20,130.98 | 217.80 3,702.60 131.48 2,153.99 86.32 1,548.63 64.97 18,366.01
18 117.80 2,120.40 23.86 412.87 93.94 1,707.54 20,107.13 | 217.80 3,920.40 132.09 2,286.08 85.71 1,634.34 73.21 18,233.92
19 117.80 2,238.20 23.97 436.84 93.83 1,801.38 20,083.16 | 217.80 4,138.20 132.71 2,418.79 85.09 1,719.43 81.95 18,101.21
20 117.80 2,356.00 24.08 460.92 93.72 1,895.10 20,059.08 | 217.80 4,356.00 133.33 2,552.12 84.47 1,803.90 91.20 17,967.88
21 117.80 2,473.80 24.19 485.11 93.61 1,988.71 20,034.89 | 217.80 4,573.80 133.95 2,686.07 83.85 1,887.75 100.96 17,833.93
22 117.80 2,591.60 24.30 509.42 93.50 2,082.20 20,010.58 | 217.80 4,791.60 134.58 2,820.65 83.22 1,970.97 111.23 17,699.35
23 117.80 2,709.40 24.42 533.84 93.38 2,175.59 19,986.16 | 217.80 5,009.40 135.20 2,955.85 82.60 2,053.57 122.02 17,564.15
24 117.80 2,827.20 24.53 558.37 93.27 2,268.86 19,961.63 | 217.80 5,227.20 135.83 3,091.69 81.97 2,135.54 133.32 17,428.31
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
25 117.80 2,945.00 24.65 583.02 93.15 2,362.01 19,936.98 | 217.80 5,445.00 136.47 3,228.16 81.33 2,216.87 145.14 17,291.84
26 117.80 3,062.80 24.76 607.78 93.04 2,455.05 19,912.22 | 217.80 5,662.80 137.11 3,365.26 80.70 2,297.56 157.48 17,154.74
27 117.80 3,180.60 24.88 632.65 92.92 2,547.97 19,887.35 | 217.80 5,880.60 137.75 3,503.01 80.06 2,377.62 170.35 17,016.99
28 117.80 3,298.40 24.99 657.65 92.81 2,640.78 19,862.35 | 217.80 6,098.40 138.39 3,641.40 79.41 2,457.03 183.75 16,878.60
29 117.80 3,416.20 25.11 682.76 92.69 2,733.47 19,837.24 | 217.80 6,316.20 139.03 3,780.43 78.77 2,535.80 197.67 16,739.57
30 117.80 3,534.00 25.23 707.99 92.57 2,826.05 19,812.01 | 217.80 6,534.00 139.68 3,920.11 78.12 2,613.92 212.13 16,599.89
31 117.80 3,651.80 25.34 733.33 92.46 2,918.50 19,786.67 | 217.80 6,751.80 140.33 4,060.45 77.47 2,691.38 227.12 16,459.55
32 117.80 3,769.60 25.46 758.79 92.34 3,010.84 19,761.21 | 217.80 6,969.60 140.99 4,201.44 76.81 2,768.20 242.64 16,318.56
33 117.80 3,887.40 25.58 784.38 92.22 3,103.06 19,735.62 | 217.80 7,187.40 141.65 4,343.08 76.15 2,844.35 258.71 16,176.92
34 117.80 4,005.20 25.70 810.08 92.10 3,195.16 19,709.92 | 217.80 7,405.20 142.31 4,485.39 75.49 2,919.84 275.32 16,034.61
35 117.80 4,123.00 25.82 835.90 91.98 3,287.14 19,684.10 | 217.80 7,623.00 142.97 4,628.37 74.83 2,994.67 292.47 15,891.63
36 117.80 4,240.80 25.94 861.84 91.86 3,379.00 19,658.16 | 217.80 7,840.80 143.64 4,772.01 74.16 3,068.83 310.17 15,747.99
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
37 117.80 4,358.60 26.06 887.90 91.74 3,470.73 19,632.10 | 217.80 8,058.60 144.31 4,916.32 73.49 3,142.32 328.41 15,603.68
38 117.80 4,476.40 26.18 914.09 91.62 3,562.35 19,605.91 | 217.80 8,276.40 144.98 5,061.30 72.82 3,215.14 347.21 15,458.70
39 117.80 4,594.20 26.31 940.39 91.49 3,653.85 19,579.61 | 217.80 8,494.20 145.66 5,206.96 72.14 3,287.28 366.57 15,313.04
40 117.80 4,712.00 26.43 966.82 91.37 3,745.22 19,553.18 | 217.80 8,712.00 146.34 5,353.30 71.46 3,358.74 386.48 15,166.70
41 117.80 4,829.80 26.55 993.38 91.25 3,836.46 19,526.62 | 217.80 8,929.80 147.02 5,500.32 70.78 3,429.52 406.95 15,019.68
42 117.80 4,947.60 26.68 1,020.05 91.12 3,927.59 19,499.95 | 217.80 9,147.60 147.71 5,648.03 70.09 3,499.61 427.98 14,871.97
43 117.80 5,065.40 26.80 1,046.85 91.00 4,018.59 19,473.15 | 217.80 9,365.40 148.40 5,796.43 69.40 3,569.01 449.58 14,723.57
44 117.80 5,183.20 26.93 1,073.78 90.87 4,109.46 19,446.22 | 217.80 9,583.20 149.09 5,945.52 68.71 3,637.72 471.74 14,574.48
45 117.80 5,301.00 27.05 1,100.83 90.75 4,200.21 19,419.17 | 217.80 9,801.00 149.79 6,095.31 68.01 3,705.74 494.48 14,424.69
46 117.80 5,418.80 27.18 1,128.01 90.62 4,290.84 19,391.99 | 217.80 10,018.80 150.49 6,245.80 67.32 3,773.05 517.78 14,274.20
47 117.80 5,536.60 27.31 1,155.32 90.50 4,381.33 19,364.68 | 217.80 10,236.60 151.19 6,396.98 66.61 3,839.66 541.67 14,123.02
48 117.80 5,654.40 27.43 1,182.75 90.37 4,471.70 19,337.25 | 217.80 10,454.40 151.89 6,548.88 65.91 3,905.57 566.13 13,971.12
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
49 117.80 5,772.20 27.56 1,210.31 90.24 4,561.94 19,309.69 | 217.80 10,672.20 152.60 6,701.48 65.20 3,970.77 591.17 13,818.52
50 117.80 5,890.00 27.69 1,238.00 90.11 4,652.05 19,282.00 | 217.80 10,890.00 153.31 6,854.79 64.49 4,035.26 616.80 13,665.21
51 117.80 6,007.80 27.82 1,265.82 89.98 4,742.03 19,254.18 | 217.80 11,107.80 154.03 7,008.82 63.77 4,099.03 643.01 13,511.18
52 117.80 6,125.60 27.95 1,293.76 89.85 4,831.89 19,226.24 | 217.80 11,325.60 154.75 7,163.57 63.05 4,162.08 669.81 13,356.43
53 117.80 6,243.40 28.08 1,321.84 89.72 4,921.61 19,198.16 | 217.80 11,543.40 155.47 7,319.04 62.33 4,224.41 697.20 13,200.96
54 117.80 6,361.20 28.21 1,350.05 89.59 5,011.20 19,169.95 | 217.80 11,761.20 156.20 7,475.24 61.60 4,286.01 725.19 13,044.76
55 117.80 6,479.00 28.34 1,378.39 89.46 5,100.66 19,141.61 | 217.80 11,979.00 156.93 7,632.17 60.88 4,346.89 753.77 12,887.83
56 117.80 6,596.80 28.47 1,406.87 89.33 5,189.99 19,113.13 | 217.80 12,196.80 157.66 7,789.82 60.14 4,407.03 782.96 12,730.18
57 117.80 6,714.60 28.61 1,435.47 89.19 5,279.18 19,084.53 | 217.80 12,414.60 158.39 7,948.22 59.41 4,466.44 812.74 12,571.78
58 117.80 6,832.40 28.74 1,464.21 89.06 5,368.24 19,055.79 | 217.80 12,632.40 159.13 8,107.35 58.67 4,525.11 843.14 12,412.65
59 117.80 6,950.20 28.87 1,493.09 88.93 5,457.17 19,026.91 | 217.80 12,850.20 159.88 8,267.23 57.93 4,583.03 874.14 12,252.77
60 117.80 7,068.00 29.01 1,522.10 88.79 5,545.96 18,997.90 | 217.80 13,068.00 160.62 8,427.85 57.18 4,640.21 905.75 12,092.15
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
61 117.80 7,185.80 29.14 1,551.24 88.66 5,634.62 18,968.76 | 217.80 13,285.80 161.37 8,589.22 56.43 4,696.64 937.98 11,930.78
62 117.80 7,303.60 29.28 1,580.52 88.52 5,723.14 18,939.48 | 217.80 13,503.60 162.12 8,751.34 55.68 4,752.32 970.82 11,768.66
63 117.80 7,421.40 29.42 1,609.94 88.38 5,811.53 18,910.06 | 217.80 13,721.40 162.88 8,914.22 54.92 4,807.24 1,004.28 11,605.78
64 117.80 7,539.20 29.55 1,639.49 88.25 5,899.77 18,880.51 | 217.80 13,939.20 163.64 9,077.86 54.16 4,861.40 1,038.37 11,442.14
65 117.80 7,657.00 29.69 1,669.18 88.11 5,987.88 18,850.82 | 217.80 14,157.00 164.40 9,242.27 53.40 4,914.80 1,073.08 11,277.73
66 117.80 7,774.80 29.83 1,699.01 87.97 6,075.85 18,820.99 | 217.80 14,374.80 165.17 9,407.44 52.63 4,967.43 1,108.42 11,112.56
67 117.80 7,892.60 29.97 1,728.98 87.83 6,163.68 18,791.02 | 217.80 14,592.60 165.94 9,573.38 51.86 5,019.29 1,144.40 10,946.62
68 117.80 8,010.40 30.11 1,759.09 87.69 6,251.37 18,760.91 | 217.80 14,810.40 166.72 9,740.10 51.08 5,070.37 1,181.00 10,779.90
69 117.80 8,128.20 30.25 1,789.34 87.55 6,338.93 18,730.66 | 217.80 15,028.20 167.49 9,907.59 50.31 5,120.68 1,218.25 10,612.41
70 117.80 8,246.00 30.39 1,819.74 87.41 6,426.34 18,700.26 | 217.80 15,246.00 168.28 10,075.87 49.52 5,170.20 1,256.13 10,444.13
71 117.80 8,363.80 30.53 1,850.27 87.27 6,513.60 18,669.73 | 217.80 15,463.80 169.06 10,244.93 48.74 5,218.94 1,294.66 10,275.07
72 117.80 8,481.60 30.68 1,880.94 87.13 6,600.73 18,639.06 | 217.80 15,681.60 169.85 10,414.78 47.95 5,266.89 1,333.84 10,105.22
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
73 117.80 8,599.40 30.82 1,911.76 86.98 6,687.71 18,608.24 | 217.80 15,899.40 170.64 10,585.43 47.16 5,314.05 1,373.66 9,934.57
74 117.80 8,717.20 30.96 1,942.73 86.84 6,774.55 18,577.27 | 217.80 16,117.20 171.44 10,756.86 46.36 5,360.41 1,414.14 9,763.14
75 117.80 8,835.00 31.11 1,973.83 86.69 6,861.24 18,546.17 | 217.80 16,335.00 172.24 10,929.10 45.56 5,405.97 1,455.27 9,590.90
76 117.80 8,952.80 31.25 2,005.08 86.55 6,947.79 18,514.92 | 217.80 16,552.80 173.04 11,102.15 44.76 5,450.73 1,497.06 9,417.85
77 117.80 9,070.60 31.40 2,036.48 86.40 7,034.20 18,483.52 | 217.80 16,770.60 173.85 11,276.00 43.95 5,494.68 1,539.52 9,244.00
78 117.80 9,188.40 31.54 2,068.03 86.26 7,120.45 18,451.97 | 217.80 16,988.40 174.66 11,450.66 43.14 5,537.82 1,582.63 9,069.34
79 117.80 9,306.20 31.69 2,099.72 86.11 7,206.56 18,420.28 | 217.80 17,206.20 175.48 11,626.14 42.32 5,580.14 1,626.42 8,893.86
80 117.80 9,424.00 31.84 2,131.56 85.96 7,292.52 18,388.44 | 217.80 17,424.00 176.30 11,802.44 41.50 5,621.65 1,670.88 8,717.56
81 117.80 9,541.80 31.99 2,163.55 85.81 7,378.33 18,356.45 | 217.80 17,641.80 177.12 11,979.55 40.68 5,662.33 1,716.01 8,540.45
82 117.80 9,659.60 32.14 2,195.68 85.66 7,464.00 18,324.32 | 217.80 17,859.60 177.95 12,157.50 39.86 5,702.18 1,761.82 8,362.50
83 117.80 9,777.40 32.29 2,227.97 85.51 7,549.51 18,292.03 | 217.80 18,077.40 178.78 12,336.28 39.03 5,741.21 1,808.30 8,183.72
84 117.80 9,895.20 32.44 2,260.41 85.36 7,634.87 18,259.59 | 217.80 18,295.20 179.61 12,515.89 38.19 5,779.40 1,855.48 8,004.11
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
85 117.80 10,013.00 32.59 2,293.00 85.21 7,720.09 18,227.00 | 217.80 18,513.00 180.45 12,696.33 37.35 5,816.75 1,903.33 7,823.67
86 117.80 10,130.80 32.74 2,325.74 85.06 7,805.15 18,194.26 | 217.80 18,730.80 181.29 12,877.63 36.51 5,853.26 1,951.88 7,642.37
87 117.80 10,248.60 32.89 2,358.64 84.91 7,890.05 18,161.36 | 217.80 18,948.60 182.14 13,059.76 35.66 5,888.93 2,001.13 7,460.24
88 117.80 10,366.40 33.05 2,391.68 84.75 7,974.80 18,128.32 | 217.80 19,166.40 182.99 13,242.75 34.81 5,923.74 2,051.06 7,277.25
89 117.80 10,484.20 33.20 2,424.89 84.60 8,059.40 18,095.11 | 217.80 19,384.20 183.84 13,426.59 33.96 5,957.70 2,101.70 7,093.41
90 117.80 10,602.00 33.36 2,458.24 84.44 8,143.85 18,061.76 | 217.80 19,602.00 184.70 13,611.29 33.10 5,990.80 2,153.04 6,908.71
91 117.80 10,719.80 33.51 2,491.76 84.29 8,228.14 18,028.24 | 217.80 19,819.80 185.56 13,796.85 32.24 6,023.04 2,205.09 6,723.15
92 117.80 10,837.60 33.67 2,525.43 84.13 8,312.27 17,994.57 | 217.80 20,037.60 186.43 13,983.27 31.37 6,054.42 2,257.85 6,536.73
93 117.80 10,955.40 33.83 2,559.25 83.97 8,396.24 17,960.75 | 217.80 20,255.40 187.30 14,170.57 30.50 6,084.92 2,311.32 6,349.43
94 117.80 11,073.20 33.98 2,593.24 83.82 8,480.06 17,926.76 | 217.80 20,473.20 188.17 14,358.74 29.63 6,114.55 2,365.50 6,161.26
95 117.80 11,191.00 34.14 2,627.38 83.66 8,563.72 17,892.62 | 217.80 20,691.00 189.05 14,547.79 28.75 6,143.31 2,420.41 5,972.21
96 117.80 11,308.80 34.30 2,661.68 83.50 8,647.22 17,858.32 | 217.80 20,908.80 189.93 14,737.72 27.87 6,171.18 2,476.04 5,782.28
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
97 117.80 11,426.60 34.46 2,696.14 83.34 8,730.55 17,823.86 | 217.80 21,126.60 190.82 14,928.54 26.98 6,198.16 2,532.39 5,591.46
98 117.80 11,544.40 34.62 2,730.77 83.18 8,813.73 17,789.23 | 217.80 21,344.40 191.71 15,120.24 26.09 6,224.25 2,589.48 5,399.76
99 117.80 11,662.20 34.78 2,765.55 83.02 8,896.75 17,754.45 | 217.80 21,562.20 192.60 15,312.85 25.20 6,249.45 2,647.30 5,207.15
100 117.80 11,780.00 34.95 2,800.50 82.85 8,979.60 17,719.50 | 217.80 21,780.00 193.50 15,506.35 24.30 6,273.75 2,705.85 5,013.65
101 117.80 11,897.80 35.11 2,835.61 82.69 9,062.29 17,684.39 | 217.80 21,997.80 194.40 15,700.75 23.40 6,297.15 2,765.14 4,819.25
102 117.80 12,015.60 35.27 2,870.88 82.53 9,144.82 17,649.12 | 217.80 22,215.60 195.31 15,896.06 22.49 6,319.64 2,825.18 4,623.94
103 117.80 12,133.40 35.44 2,906.32 82.36 9,227.18 17,613.68 | 217.80 22,433.40 196.22 16,092.28 21.58 6,341.22 2,885.97 4,427.72
104 117.80 12,251.20 35.60 2,941.92 82.20 9,309.38 17,578.08 | 217.80 22,651.20 197.14 16,289.42 20.66 6,361.88 2,947.50 4,230.58
105 117.80 12,369.00 35.77 2,977.69 82.03 9,391.41 17,542.31 | 217.80 22,869.00 198.06 16,487.48 19.74 6,381.62 3,009.79 4,032.52
106 117.80 12,486.80 35.94 3,013.63 81.86 9,473.28 17,506.37 | 217.80 23,086.80 198.98 16,686.46 18.82 6,400.44 3,072.83 3,833.54
107 117.80 12,604.60 36.10 3,049.73 81.70 9,554.97 17,470.27 | 217.80 23,304.60 199.91 16,886.38 17.89 6,418.33 3,136.64 3,633.62
108 117.80 12,722.40 36.27 3,086.01 81.53 9,636.50 17,433.99 | 217.80 23,522.40 200.84 17,087.22 16.96 6,435.29 3,201.21 3,432.78
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
109 117.80 12,840.20 36.44 3,122.45 81.36 9,717.86 17,397.55 | 217.80 23,740.20 201.78 17,289.00 16.02 6,451.31 3,266.55 3,231.00
110 117.80 12,958.00 36.61 3,159.06 81.19 9,799.05 17,360.94 | 217.80 23,958.00 202.72 17,491.72 15.08 6,466.39 3,332.66 3,028.28
111 117.80 13,075.80 36.78 3,195.85 81.02 9,880.07 17,324.15 | 217.80 24,175.80 203.67 17,695.39 14.13 6,480.52 3,399.55 2,824.61
112 117.80 13,193.60 36.95 3,232.80 80.85 9,960.91 17,287.20 | 217.80 24,393.60 204.62 17,900.01 13.18 6,493.70 3,467.21 2,619.99
113 117.80 13,311.40 37.13 3,269.93 80.67 10,041.59 17,250.07 | 217.80 24,611.40 205.57 18,105.59 12.23 6,505.93 3,535.66 2,414.41
114 117.80 13,429.20 37.30 3,307.23 80.50 10,122.09 17,212.77 | 217.80 24,829.20 206.53 18,312.12 11.27 6,517.19 3,604.89 2,207.88
115 117.80 13,547.00 37.47 3,344.70 80.33 10,202.41 17,175.30 | 217.80 25,047.00 207.50 18,519.62 10.30 6,527.50 3,674.91 2,000.38
116 117.80 13,664.80 37.65 3,382.35 80.15 10,282.56 17,137.65 | 217.80 25,264.80 208.47 18,728.08 9.34 6,536.83 3,745.73 1,791.92
117 117.80 13,782.60 37.83 3,420.18 79.98 10,362.54 17,099.82 | 217.80 25,482.60 209.44 18,937.52 8.36 6,545.20 3,817.34 1,582.48
118 117.80 13,900.40 38.00 3,458.18 79.80 10,442.34 17,061.82 | 217.80 25,700.40 210.42 19,147.94 7.38 6,552.58 3,889.76 1,372.06
119 117.80 14,018.20 38.18 3,496.36 79.62 10,521.96 17,023.64 | 217.80 25,918.20 211.40 19,359.34 6.40 6,558.98 3,962.98 1,160.66
120 117.80 14,136.00 38.36 3,534.72 79.44 10,601.40 16,985.28 | 217.80 26,136.00 212.38 19,571.72 5.42 6,564.40 4,037.00 948.28
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
121 117.80 14,253.80 38.54 3,573.25 79.26 10,680.67 16,946.75 | 217.80 26,353.80 213.38 19,785.10 4.43 6,568.82 4,111.84 734.90
122 117.80 14,371.60 38.72 3,611.97 79.08 10,759.75 16,908.03 | 217.80 26,571.60 214.37 19,999.47 3.43 6,572.25 4,187.50 520.53
123 117.80 14,489.40 38.90 3,650.87 78.90 10,838.66 16,869.13 | 217.80 26,789.40 215.37 20,214.84 2.43 6,574.68 4,263.97 305.16
124 117.80 14,607.20 39.08 3,689.94 78.72 10,917.38 16,830.06 | 217.80 27,007.20 216.38 20,431.22 1.42 6,576.11 4,341.27 88.78
125 117.80 14,725.00 39.26 3,729.21 78.54 10,995.92 16,790.79 | 89.20 27,096.40 88.78 20,648.60 0.41 6,576.52 4,419.40 0.00

Loan Paid off in Year 10.

Total Interest Based on 30 Year Loan with No Extra Payment $21,888.36.

Total Interest Saved with Pre-Payment is $15,311.84