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:	$44,000
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	713.85	317.85	396.00	396.00	175,682.15	813.85	417.85	396.00	396.00	0.00	175,582.15
2	713.85	318.57	395.28	791.28	175,363.58	813.85	418.79	395.06	791.06	0.22	175,163.36
3	713.85	319.28	394.57	1,185.85	175,044.30	813.85	419.73	394.12	1,185.18	0.68	174,743.62
4	713.85	320.00	393.85	1,579.70	174,724.30	813.85	420.68	393.17	1,578.35	1.35	174,322.94
5	713.85	320.72	393.13	1,972.83	174,403.57	813.85	421.63	392.23	1,970.58	2.26	173,901.32
6	713.85	321.44	392.41	2,365.24	174,082.13	813.85	422.57	391.28	2,361.86	3.39	173,478.74
7	713.85	322.17	391.68	2,756.93	173,759.96	813.85	423.52	390.33	2,752.18	4.74	173,055.22
8	713.85	322.89	390.96	3,147.88	173,437.07	813.85	424.48	389.37	3,141.56	6.33	172,630.74
9	713.85	323.62	390.23	3,538.12	173,113.45	813.85	425.43	388.42	3,529.98	8.14	172,205.31
10	713.85	324.35	389.51	3,927.62	172,789.11	813.85	426.39	387.46	3,917.44	10.19	171,778.92
11	713.85	325.08	388.78	4,316.40	172,464.03	813.85	427.35	386.50	4,303.94	12.46	171,351.57
12	713.85	325.81	388.04	4,704.44	172,138.22	813.85	428.31	385.54	4,689.48	14.96	170,923.26
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	713.85	326.54	387.31	5,091.75	171,811.68	813.85	429.27	384.58	5,074.06	17.70	170,493.98
14	713.85	327.28	386.58	5,478.33	171,484.41	813.85	430.24	383.61	5,457.67	20.66	170,063.74
15	713.85	328.01	385.84	5,864.17	171,156.39	813.85	431.21	382.64	5,840.31	23.86	169,632.54
16	713.85	328.75	385.10	6,249.27	170,827.64	813.85	432.18	381.67	6,221.99	27.29	169,200.36
17	713.85	329.49	384.36	6,633.63	170,498.15	813.85	433.15	380.70	6,602.69	30.95	168,767.21
18	713.85	330.23	383.62	7,017.26	170,167.92	813.85	434.13	379.73	6,982.41	34.84	168,333.08
19	713.85	330.97	382.88	7,400.13	169,836.95	813.85	435.10	378.75	7,361.16	38.97	167,897.98
20	713.85	331.72	382.13	7,782.27	169,505.23	813.85	436.08	377.77	7,738.93	43.33	167,461.90
21	713.85	332.47	381.39	8,163.65	169,172.76	813.85	437.06	376.79	8,115.72	47.93	167,024.83
22	713.85	333.21	380.64	8,544.29	168,839.55	813.85	438.05	375.81	8,491.53	52.76	166,586.79
23	713.85	333.96	379.89	8,924.18	168,505.59	813.85	439.03	374.82	8,866.35	57.83	166,147.76
24	713.85	334.71	379.14	9,303.32	168,170.87	813.85	440.02	373.83	9,240.18	63.14	165,707.74
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	713.85	335.47	378.38	9,681.70	167,835.41	813.85	441.01	372.84	9,613.02	68.68	165,266.73
26	713.85	336.22	377.63	10,059.33	167,499.19	813.85	442.00	371.85	9,984.87	74.46	164,824.73
27	713.85	336.98	376.87	10,436.21	167,162.21	813.85	443.00	370.86	10,355.73	80.48	164,381.73
28	713.85	337.74	376.11	10,812.32	166,824.47	813.85	443.99	369.86	10,725.59	86.73	163,937.74
29	713.85	338.50	375.36	11,187.68	166,485.97	813.85	444.99	368.86	11,094.45	93.23	163,492.75
30	713.85	339.26	374.59	11,562.27	166,146.71	813.85	445.99	367.86	11,462.31	99.96	163,046.75
31	713.85	340.02	373.83	11,936.10	165,806.69	813.85	447.00	366.86	11,829.16	106.94	162,599.76
32	713.85	340.79	373.07	12,309.16	165,465.91	813.85	448.00	365.85	12,195.01	114.15	162,151.75
33	713.85	341.55	372.30	12,681.46	165,124.35	813.85	449.01	364.84	12,559.85	121.61	161,702.74
34	713.85	342.32	371.53	13,052.99	164,782.03	813.85	450.02	363.83	12,923.68	129.31	161,252.72
35	713.85	343.09	370.76	13,423.75	164,438.94	813.85	451.03	362.82	13,286.50	137.25	160,801.69
36	713.85	343.86	369.99	13,793.74	164,095.07	813.85	452.05	361.80	13,648.31	145.43	160,349.64
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	713.85	344.64	369.21	14,162.95	163,750.44	813.85	453.07	360.79	14,009.09	153.86	159,896.58
38	713.85	345.41	368.44	14,531.39	163,405.02	813.85	454.08	359.77	14,368.86	162.53	159,442.49
39	713.85	346.19	367.66	14,899.05	163,058.83	813.85	455.11	358.75	14,727.61	171.45	158,987.39
40	713.85	346.97	366.88	15,265.94	162,711.86	813.85	456.13	357.72	15,085.33	180.61	158,531.26
41	713.85	347.75	366.10	15,632.04	162,364.11	813.85	457.16	356.70	15,442.02	190.01	158,074.10
42	713.85	348.53	365.32	15,997.36	162,015.58	813.85	458.19	355.67	15,797.69	199.67	157,615.91
43	713.85	349.32	364.54	16,361.89	161,666.26	813.85	459.22	354.64	16,152.33	209.57	157,156.70
44	713.85	350.10	363.75	16,725.64	161,316.16	813.85	460.25	353.60	16,505.93	219.71	156,696.45
45	713.85	350.89	362.96	17,088.60	160,965.27	813.85	461.28	352.57	16,858.50	230.11	156,235.16
46	713.85	351.68	362.17	17,450.77	160,613.59	813.85	462.32	351.53	17,210.02	240.75	155,772.84
47	713.85	352.47	361.38	17,812.15	160,261.12	813.85	463.36	350.49	17,560.51	251.64	155,309.48
48	713.85	353.26	360.59	18,172.74	159,907.85	813.85	464.41	349.45	17,909.96	262.78	154,845.07
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	713.85	354.06	359.79	18,532.53	159,553.80	813.85	465.45	348.40	18,258.36	274.17	154,379.62
50	713.85	354.86	359.00	18,891.53	159,198.94	813.85	466.50	347.35	18,605.72	285.82	153,913.12
51	713.85	355.65	358.20	19,249.73	158,843.29	813.85	467.55	346.30	18,952.02	297.71	153,445.58
52	713.85	356.45	357.40	19,607.13	158,486.83	813.85	468.60	345.25	19,297.27	309.85	152,976.98
53	713.85	357.26	356.60	19,963.72	158,129.57	813.85	469.65	344.20	19,641.47	322.25	152,507.32
54	713.85	358.06	355.79	20,319.51	157,771.51	813.85	470.71	343.14	19,984.61	334.90	152,036.61
55	713.85	358.87	354.99	20,674.50	157,412.65	813.85	471.77	342.08	20,326.69	347.80	151,564.84
56	713.85	359.67	354.18	21,028.68	157,052.98	813.85	472.83	341.02	20,667.72	360.96	151,092.01
57	713.85	360.48	353.37	21,382.05	156,692.49	813.85	473.89	339.96	21,007.67	374.37	150,618.12
58	713.85	361.29	352.56	21,734.60	156,331.20	813.85	474.96	338.89	21,346.56	388.04	150,143.16
59	713.85	362.11	351.75	22,086.35	155,969.09	813.85	476.03	337.82	21,684.39	401.96	149,667.13
60	713.85	362.92	350.93	22,437.28	155,606.17	813.85	477.10	336.75	22,021.14	416.14	149,190.03
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	713.85	363.74	350.11	22,787.39	155,242.43	813.85	478.17	335.68	22,356.81	430.58	148,711.85
62	713.85	364.56	349.30	23,136.69	154,877.88	813.85	479.25	334.60	22,691.42	445.27	148,232.60
63	713.85	365.38	348.48	23,485.16	154,512.50	813.85	480.33	333.52	23,024.94	460.23	147,752.27
64	713.85	366.20	347.65	23,832.82	154,146.30	813.85	481.41	332.44	23,357.38	475.44	147,270.87
65	713.85	367.02	346.83	24,179.65	153,779.28	813.85	482.49	331.36	23,688.74	490.91	146,788.37
66	713.85	367.85	346.00	24,525.65	153,411.43	813.85	483.58	330.27	24,019.01	506.64	146,304.80
67	713.85	368.68	345.18	24,870.83	153,042.75	813.85	484.67	329.19	24,348.20	522.63	145,820.13
68	713.85	369.51	344.35	25,215.17	152,673.25	813.85	485.76	328.10	24,676.30	538.88	145,334.37
69	713.85	370.34	343.51	25,558.69	152,302.91	813.85	486.85	327.00	25,003.30	555.39	144,847.52
70	713.85	371.17	342.68	25,901.37	151,931.74	813.85	487.94	325.91	25,329.21	572.16	144,359.58
71	713.85	372.01	341.85	26,243.21	151,559.74	813.85	489.04	324.81	25,654.01	589.20	143,870.54
72	713.85	372.84	341.01	26,584.22	151,186.89	813.85	490.14	323.71	25,977.72	606.50	143,380.39
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	713.85	373.68	340.17	26,924.39	150,813.21	813.85	491.25	322.61	26,300.33	624.07	142,889.15
74	713.85	374.52	339.33	27,263.72	150,438.69	813.85	492.35	321.50	26,621.83	641.90	142,396.80
75	713.85	375.36	338.49	27,602.21	150,063.33	813.85	493.46	320.39	26,942.22	659.99	141,903.34
76	713.85	376.21	337.64	27,939.85	149,687.12	813.85	494.57	319.28	27,261.50	678.35	141,408.77
77	713.85	377.06	336.80	28,276.65	149,310.06	813.85	495.68	318.17	27,579.67	696.98	140,913.08
78	713.85	377.90	335.95	28,612.60	148,932.16	813.85	496.80	317.05	27,896.73	715.87	140,416.29
79	713.85	378.75	335.10	28,947.70	148,553.40	813.85	497.92	315.94	28,212.67	735.03	139,918.37
80	713.85	379.61	334.25	29,281.94	148,173.80	813.85	499.04	314.82	28,527.48	754.46	139,419.34
81	713.85	380.46	333.39	29,615.33	147,793.33	813.85	500.16	313.69	28,841.18	774.16	138,919.18
82	713.85	381.32	332.54	29,947.87	147,412.02	813.85	501.28	312.57	29,153.74	794.12	138,417.89
83	713.85	382.17	331.68	30,279.54	147,029.84	813.85	502.41	311.44	29,465.18	814.36	137,915.48
84	713.85	383.03	330.82	30,610.36	146,646.81	813.85	503.54	310.31	29,775.49	834.87	137,411.94
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	713.85	383.90	329.96	30,940.32	146,262.91	813.85	504.67	309.18	30,084.67	855.65	136,907.27
86	713.85	384.76	329.09	31,269.41	145,878.15	813.85	505.81	308.04	30,392.71	876.70	136,401.46
87	713.85	385.63	328.23	31,597.63	145,492.53	813.85	506.95	306.90	30,699.62	898.02	135,894.51
88	713.85	386.49	327.36	31,924.99	145,106.03	813.85	508.09	305.76	31,005.38	919.61	135,386.42
89	713.85	387.36	326.49	32,251.48	144,718.67	813.85	509.23	304.62	31,310.00	941.48	134,877.19
90	713.85	388.23	325.62	32,577.10	144,330.43	813.85	510.38	303.47	31,613.47	963.63	134,366.81
91	713.85	389.11	324.74	32,901.84	143,941.33	813.85	511.53	302.33	31,915.80	986.04	133,855.28
92	713.85	389.98	323.87	33,225.71	143,551.34	813.85	512.68	301.17	32,216.97	1,008.74	133,342.60
93	713.85	390.86	322.99	33,548.70	143,160.48	813.85	513.83	300.02	32,516.99	1,031.71	132,828.77
94	713.85	391.74	322.11	33,870.81	142,768.74	813.85	514.99	298.86	32,815.86	1,054.95	132,313.79
95	713.85	392.62	321.23	34,192.04	142,376.12	813.85	516.15	297.71	33,113.56	1,078.48	131,797.64
96	713.85	393.51	320.35	34,512.39	141,982.61	813.85	517.31	296.54	33,410.11	1,102.28	131,280.33
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	713.85	394.39	319.46	34,831.85	141,588.22	813.85	518.47	295.38	33,705.49	1,126.36	130,761.86
98	713.85	395.28	318.57	35,150.42	141,192.94	813.85	519.64	294.21	33,999.70	1,150.72	130,242.22
99	713.85	396.17	317.68	35,468.10	140,796.77	813.85	520.81	293.05	34,292.75	1,175.36	129,721.42
100	713.85	397.06	316.79	35,784.90	140,399.72	813.85	521.98	291.87	34,584.62	1,200.28	129,199.44
101	713.85	397.95	315.90	36,100.80	140,001.76	813.85	523.15	290.70	34,875.32	1,225.48	128,676.29
102	713.85	398.85	315.00	36,415.80	139,602.92	813.85	524.33	289.52	35,164.84	1,250.96	128,151.96
103	713.85	399.75	314.11	36,729.91	139,203.17	813.85	525.51	288.34	35,453.18	1,276.72	127,626.45
104	713.85	400.64	313.21	37,043.11	138,802.53	813.85	526.69	287.16	35,740.34	1,302.77	127,099.75
105	713.85	401.55	312.31	37,355.42	138,400.98	813.85	527.88	285.97	36,026.32	1,329.10	126,571.88
106	713.85	402.45	311.40	37,666.82	137,998.53	813.85	529.07	284.79	36,311.10	1,355.72	126,042.81
107	713.85	403.36	310.50	37,977.32	137,595.17	813.85	530.26	283.60	36,594.70	1,382.62	125,512.56
108	713.85	404.26	309.59	38,286.91	137,190.91	813.85	531.45	282.40	36,877.10	1,409.81	124,981.11
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	713.85	405.17	308.68	38,595.59	136,785.74	813.85	532.64	281.21	37,158.31	1,437.28	124,448.46
110	713.85	406.08	307.77	38,903.36	136,379.66	813.85	533.84	280.01	37,438.32	1,465.04	123,914.62
111	713.85	407.00	306.85	39,210.21	135,972.66	813.85	535.04	278.81	37,717.13	1,493.08	123,379.58
112	713.85	407.91	305.94	39,516.15	135,564.74	813.85	536.25	277.60	37,994.73	1,521.42	122,843.33
113	713.85	408.83	305.02	39,821.17	135,155.91	813.85	537.45	276.40	38,271.13	1,550.04	122,305.87
114	713.85	409.75	304.10	40,125.27	134,746.16	813.85	538.66	275.19	38,546.32	1,578.95	121,767.21
115	713.85	410.67	303.18	40,428.45	134,335.49	813.85	539.88	273.98	38,820.29	1,608.16	121,227.33
116	713.85	411.60	302.25	40,730.70	133,923.89	813.85	541.09	272.76	39,093.05	1,637.65	120,686.24
117	713.85	412.52	301.33	41,032.03	133,511.37	813.85	542.31	271.54	39,364.60	1,667.43	120,143.94
118	713.85	413.45	300.40	41,332.43	133,097.92	813.85	543.53	270.32	39,634.92	1,697.51	119,600.41
119	713.85	414.38	299.47	41,631.90	132,683.54	813.85	544.75	269.10	39,904.02	1,727.88	119,055.66
120	713.85	415.31	298.54	41,930.44	132,268.22	813.85	545.98	267.88	40,171.90	1,758.54	118,509.68
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	713.85	416.25	297.60	42,228.04	131,851.97	813.85	547.21	266.65	40,438.55	1,789.50	117,962.48
122	713.85	417.18	296.67	42,524.71	131,434.79	813.85	548.44	265.42	40,703.96	1,820.75	117,414.04
123	713.85	418.12	295.73	42,820.44	131,016.67	813.85	549.67	264.18	40,968.14	1,852.30	116,864.37
124	713.85	419.06	294.79	43,115.23	130,597.60	813.85	550.91	262.94	41,231.09	1,884.14	116,313.46
125	713.85	420.01	293.84	43,409.07	130,177.59	813.85	552.15	261.71	41,492.79	1,916.28	115,761.32
126	713.85	420.95	292.90	43,701.97	129,756.64	813.85	553.39	260.46	41,753.26	1,948.72	115,207.93
127	713.85	421.90	291.95	43,993.92	129,334.74	813.85	554.63	259.22	42,012.47	1,981.45	114,653.29
128	713.85	422.85	291.00	44,284.93	128,911.89	813.85	555.88	257.97	42,270.44	2,014.48	114,097.41
129	713.85	423.80	290.05	44,574.98	128,488.09	813.85	557.13	256.72	42,527.16	2,047.82	113,540.28
130	713.85	424.75	289.10	44,864.08	128,063.34	813.85	558.39	255.47	42,782.63	2,081.45	112,981.89
131	713.85	425.71	288.14	45,152.22	127,637.63	813.85	559.64	254.21	43,036.84	2,115.38	112,422.25
132	713.85	426.67	287.18	45,439.40	127,210.96	813.85	560.90	252.95	43,289.79	2,149.62	111,861.35
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	713.85	427.63	286.22	45,725.63	126,783.34	813.85	562.16	251.69	43,541.48	2,184.15	111,299.18
134	713.85	428.59	285.26	46,010.89	126,354.75	813.85	563.43	250.42	43,791.90	2,218.99	110,735.76
135	713.85	429.55	284.30	46,295.19	125,925.19	813.85	564.70	249.16	44,041.05	2,254.14	110,171.06
136	713.85	430.52	283.33	46,578.52	125,494.67	813.85	565.97	247.88	44,288.94	2,289.58	109,605.09
137	713.85	431.49	282.36	46,860.88	125,063.19	813.85	567.24	246.61	44,535.55	2,325.33	109,037.85
138	713.85	432.46	281.39	47,142.28	124,630.73	813.85	568.52	245.34	44,780.89	2,361.39	108,469.33
139	713.85	433.43	280.42	47,422.70	124,197.29	813.85	569.80	244.06	45,024.94	2,397.75	107,899.54
140	713.85	434.41	279.44	47,702.14	123,762.89	813.85	571.08	242.77	45,267.72	2,434.42	107,328.46
141	713.85	435.39	278.47	47,980.61	123,327.50	813.85	572.36	241.49	45,509.20	2,471.40	106,756.10
142	713.85	436.36	277.49	48,258.09	122,891.13	813.85	573.65	240.20	45,749.41	2,508.69	106,182.45
143	713.85	437.35	276.51	48,534.60	122,453.79	813.85	574.94	238.91	45,988.32	2,546.28	105,607.51
144	713.85	438.33	275.52	48,810.12	122,015.46	813.85	576.23	237.62	46,225.93	2,584.19	105,031.27
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	713.85	439.32	274.53	49,084.65	121,576.14	813.85	577.53	236.32	46,462.25	2,622.40	104,453.74
146	713.85	440.31	273.55	49,358.20	121,135.83	813.85	578.83	235.02	46,697.27	2,660.93	103,874.91
147	713.85	441.30	272.56	49,630.76	120,694.54	813.85	580.13	233.72	46,930.99	2,699.76	103,294.78
148	713.85	442.29	271.56	49,902.32	120,252.25	813.85	581.44	232.41	47,163.41	2,738.91	102,713.34
149	713.85	443.28	270.57	50,172.89	119,808.97	813.85	582.75	231.11	47,394.51	2,778.37	102,130.59
150	713.85	444.28	269.57	50,442.46	119,364.68	813.85	584.06	229.79	47,624.31	2,818.15	101,546.53
151	713.85	445.28	268.57	50,711.03	118,919.40	813.85	585.37	228.48	47,852.78	2,858.24	100,961.16
152	713.85	446.28	267.57	50,978.60	118,473.12	813.85	586.69	227.16	48,079.95	2,898.65	100,374.47
153	713.85	447.29	266.56	51,245.16	118,025.83	813.85	588.01	225.84	48,305.79	2,939.37	99,786.46
154	713.85	448.29	265.56	51,510.72	117,577.54	813.85	589.33	224.52	48,530.31	2,980.41	99,197.13
155	713.85	449.30	264.55	51,775.27	117,128.24	813.85	590.66	223.19	48,753.50	3,021.76	98,606.47
156	713.85	450.31	263.54	52,038.81	116,677.92	813.85	591.99	221.86	48,975.37	3,063.44	98,014.48
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	713.85	451.33	262.53	52,301.33	116,226.60	813.85	593.32	220.53	49,195.90	3,105.43	97,421.17
158	713.85	452.34	261.51	52,562.84	115,774.25	813.85	594.65	219.20	49,415.10	3,147.74	96,826.51
159	713.85	453.36	260.49	52,823.33	115,320.89	813.85	595.99	217.86	49,632.96	3,190.38	96,230.52
160	713.85	454.38	259.47	53,082.81	114,866.51	813.85	597.33	216.52	49,849.48	3,233.33	95,633.19
161	713.85	455.40	258.45	53,341.25	114,411.11	813.85	598.68	215.17	50,064.65	3,276.60	95,034.51
162	713.85	456.43	257.43	53,598.68	113,954.69	813.85	600.02	213.83	50,278.48	3,320.20	94,434.48
163	713.85	457.45	256.40	53,855.08	113,497.23	813.85	601.37	212.48	50,490.96	3,364.12	93,833.11
164	713.85	458.48	255.37	54,110.45	113,038.75	813.85	602.73	211.12	50,702.08	3,408.37	93,230.38
165	713.85	459.51	254.34	54,364.78	112,579.23	813.85	604.08	209.77	50,911.85	3,452.93	92,626.30
166	713.85	460.55	253.30	54,618.09	112,118.69	813.85	605.44	208.41	51,120.26	3,497.83	92,020.86
167	713.85	461.58	252.27	54,870.35	111,657.10	813.85	606.80	207.05	51,327.30	3,543.05	91,414.05
168	713.85	462.62	251.23	55,121.58	111,194.48	813.85	608.17	205.68	51,532.99	3,588.60	90,805.88
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	713.85	463.66	250.19	55,371.77	110,730.81	813.85	609.54	204.31	51,737.30	3,634.47	90,196.34
170	713.85	464.71	249.14	55,620.91	110,266.11	813.85	610.91	202.94	51,940.24	3,680.67	89,585.43
171	713.85	465.75	248.10	55,869.01	109,800.35	813.85	612.28	201.57	52,141.81	3,727.20	88,973.15
172	713.85	466.80	247.05	56,116.06	109,333.55	813.85	613.66	200.19	52,342.00	3,774.07	88,359.49
173	713.85	467.85	246.00	56,362.06	108,865.70	813.85	615.04	198.81	52,540.81	3,821.26	87,744.44
174	713.85	468.90	244.95	56,607.01	108,396.80	813.85	616.43	197.42	52,738.23	3,868.78	87,128.02
175	713.85	469.96	243.89	56,850.91	107,926.84	813.85	617.81	196.04	52,934.27	3,916.63	86,510.20
176	713.85	471.02	242.84	57,093.74	107,455.82	813.85	619.20	194.65	53,128.92	3,964.82	85,891.00
177	713.85	472.08	241.78	57,335.52	106,983.74	813.85	620.60	193.25	53,322.17	4,013.34	85,270.40
178	713.85	473.14	240.71	57,576.23	106,510.61	813.85	621.99	191.86	53,514.03	4,062.20	84,648.41
179	713.85	474.20	239.65	57,815.88	106,036.40	813.85	623.39	190.46	53,704.49	4,111.39	84,025.02
180	713.85	475.27	238.58	58,054.46	105,561.13	813.85	624.80	189.06	53,893.55	4,160.91	83,400.22
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	713.85	476.34	237.51	58,291.97	105,084.79	813.85	626.20	187.65	54,081.20	4,210.78	82,774.02
182	713.85	477.41	236.44	58,528.41	104,607.38	813.85	627.61	186.24	54,267.44	4,260.98	82,146.41
183	713.85	478.49	235.37	58,763.78	104,128.90	813.85	629.02	184.83	54,452.27	4,311.51	81,517.39
184	713.85	479.56	234.29	58,998.07	103,649.34	813.85	630.44	183.41	54,635.68	4,362.39	80,886.95
185	713.85	480.64	233.21	59,231.28	103,168.70	813.85	631.86	182.00	54,817.68	4,413.60	80,255.09
186	713.85	481.72	232.13	59,463.41	102,686.97	813.85	633.28	180.57	54,998.25	4,465.16	79,621.81
187	713.85	482.81	231.05	59,694.46	102,204.17	813.85	634.70	179.15	55,177.40	4,517.06	78,987.11
188	713.85	483.89	229.96	59,924.42	101,720.27	813.85	636.13	177.72	55,355.12	4,569.29	78,350.98
189	713.85	484.98	228.87	60,153.29	101,235.29	813.85	637.56	176.29	55,531.41	4,621.87	77,713.42
190	713.85	486.07	227.78	60,381.07	100,749.22	813.85	639.00	174.86	55,706.27	4,674.80	77,074.42
191	713.85	487.17	226.69	60,607.75	100,262.05	813.85	640.43	173.42	55,879.68	4,728.07	76,433.99
192	713.85	488.26	225.59	60,833.34	99,773.79	813.85	641.88	171.98	56,051.66	4,781.68	75,792.11
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	713.85	489.36	224.49	61,057.83	99,284.43	813.85	643.32	170.53	56,222.19	4,835.64	75,148.79
194	713.85	490.46	223.39	61,281.22	98,793.97	813.85	644.77	169.08	56,391.28	4,889.94	74,504.03
195	713.85	491.57	222.29	61,503.51	98,302.40	813.85	646.22	167.63	56,558.91	4,944.60	73,857.81
196	713.85	492.67	221.18	61,724.69	97,809.73	813.85	647.67	166.18	56,725.09	4,999.60	73,210.14
197	713.85	493.78	220.07	61,944.76	97,315.95	813.85	649.13	164.72	56,889.81	5,054.95	72,561.01
198	713.85	494.89	218.96	62,163.72	96,821.06	813.85	650.59	163.26	57,053.08	5,110.65	71,910.42
199	713.85	496.00	217.85	62,381.57	96,325.06	813.85	652.05	161.80	57,214.88	5,166.69	71,258.36
200	713.85	497.12	216.73	62,598.30	95,827.94	813.85	653.52	160.33	57,375.21	5,223.09	70,604.84
201	713.85	498.24	215.61	62,813.91	95,329.70	813.85	654.99	158.86	57,534.07	5,279.85	69,949.85
202	713.85	499.36	214.49	63,028.41	94,830.34	813.85	656.46	157.39	57,691.45	5,336.95	69,293.39
203	713.85	500.48	213.37	63,241.77	94,329.86	813.85	657.94	155.91	57,847.36	5,394.41	68,635.45
204	713.85	501.61	212.24	63,454.02	93,828.25	813.85	659.42	154.43	58,001.79	5,452.22	67,976.02
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	713.85	502.74	211.11	63,665.13	93,325.51	813.85	660.91	152.95	58,154.74	5,510.39	67,315.12
206	713.85	503.87	209.98	63,875.11	92,821.64	813.85	662.39	151.46	58,306.20	5,568.91	66,652.73
207	713.85	505.00	208.85	64,083.96	92,316.63	813.85	663.88	149.97	58,456.17	5,627.79	65,988.84
208	713.85	506.14	207.71	64,291.67	91,810.50	813.85	665.38	148.47	58,604.64	5,687.03	65,323.47
209	713.85	507.28	206.57	64,498.25	91,303.22	813.85	666.87	146.98	58,751.62	5,746.63	64,656.59
210	713.85	508.42	205.43	64,703.68	90,794.80	813.85	668.37	145.48	58,897.10	5,806.58	63,988.22
211	713.85	509.56	204.29	64,907.97	90,285.23	813.85	669.88	143.97	59,041.07	5,866.90	63,318.34
212	713.85	510.71	203.14	65,111.11	89,774.52	813.85	671.39	142.47	59,183.54	5,927.57	62,646.95
213	713.85	511.86	201.99	65,313.10	89,262.66	813.85	672.90	140.96	59,324.49	5,988.61	61,974.06
214	713.85	513.01	200.84	65,513.94	88,749.65	813.85	674.41	139.44	59,463.94	6,050.01	61,299.65
215	713.85	514.17	199.69	65,713.63	88,235.49	813.85	675.93	137.92	59,601.86	6,111.77	60,623.72
216	713.85	515.32	198.53	65,912.16	87,720.17	813.85	677.45	136.40	59,738.26	6,173.90	59,946.27
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	713.85	516.48	197.37	66,109.53	87,203.69	813.85	678.97	134.88	59,873.14	6,236.39	59,267.30
218	713.85	517.64	196.21	66,305.74	86,686.04	813.85	680.50	133.35	60,006.49	6,299.24	58,586.80
219	713.85	518.81	195.04	66,500.78	86,167.23	813.85	682.03	131.82	60,138.31	6,362.47	57,904.77
220	713.85	519.98	193.88	66,694.66	85,647.26	813.85	683.57	130.29	60,268.60	6,426.06	57,221.20
221	713.85	521.15	192.71	66,887.36	85,126.11	813.85	685.10	128.75	60,397.35	6,490.02	56,536.10
222	713.85	522.32	191.53	67,078.90	84,603.79	813.85	686.65	127.21	60,524.55	6,554.34	55,849.45
223	713.85	523.49	190.36	67,269.26	84,080.30	813.85	688.19	125.66	60,650.21	6,619.04	55,161.26
224	713.85	524.67	189.18	67,458.44	83,555.63	813.85	689.74	124.11	60,774.33	6,684.11	54,471.52
225	713.85	525.85	188.00	67,646.44	83,029.78	813.85	691.29	122.56	60,896.89	6,749.55	53,780.23
226	713.85	527.03	186.82	67,833.25	82,502.74	813.85	692.85	121.01	61,017.89	6,815.36	53,087.38
227	713.85	528.22	185.63	68,018.89	81,974.52	813.85	694.41	119.45	61,137.34	6,881.54	52,392.98
228	713.85	529.41	184.44	68,203.33	81,445.11	813.85	695.97	117.88	61,255.22	6,948.10	51,697.01
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	713.85	530.60	183.25	68,386.58	80,914.51	813.85	697.53	116.32	61,371.54	7,015.04	50,999.48
230	713.85	531.79	182.06	68,568.64	80,382.72	813.85	699.10	114.75	61,486.29	7,082.35	50,300.37
231	713.85	532.99	180.86	68,749.50	79,849.73	813.85	700.68	113.18	61,599.47	7,150.03	49,599.70
232	713.85	534.19	179.66	68,929.16	79,315.54	813.85	702.25	111.60	61,711.07	7,218.09	48,897.45
233	713.85	535.39	178.46	69,107.62	78,780.15	813.85	703.83	110.02	61,821.09	7,286.53	48,193.61
234	713.85	536.60	177.26	69,284.88	78,243.55	813.85	705.42	108.44	61,929.52	7,355.35	47,488.20
235	713.85	537.80	176.05	69,460.92	77,705.75	813.85	707.00	106.85	62,036.37	7,424.55	46,781.19
236	713.85	539.01	174.84	69,635.76	77,166.73	813.85	708.59	105.26	62,141.63	7,494.13	46,072.60
237	713.85	540.23	173.63	69,809.39	76,626.51	813.85	710.19	103.66	62,245.29	7,564.10	45,362.41
238	713.85	541.44	172.41	69,981.80	76,085.06	813.85	711.79	102.07	62,347.36	7,634.44	44,650.62
239	713.85	542.66	171.19	70,152.99	75,542.40	813.85	713.39	100.46	62,447.82	7,705.17	43,937.24
240	713.85	543.88	169.97	70,322.96	74,998.52	813.85	714.99	98.86	62,546.68	7,776.28	43,222.24
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	713.85	545.11	168.75	70,491.70	74,453.42	813.85	716.60	97.25	62,643.93	7,847.78	42,505.64
242	713.85	546.33	167.52	70,659.22	73,907.09	813.85	718.21	95.64	62,739.57	7,919.66	41,787.43
243	713.85	547.56	166.29	70,825.52	73,359.52	813.85	719.83	94.02	62,833.59	7,991.93	41,067.60
244	713.85	548.79	165.06	70,990.57	72,810.73	813.85	721.45	92.40	62,925.99	8,064.58	40,346.15
245	713.85	550.03	163.82	71,154.40	72,260.70	813.85	723.07	90.78	63,016.77	8,137.63	39,623.08
246	713.85	551.27	162.59	71,316.99	71,709.44	813.85	724.70	89.15	63,105.92	8,211.06	38,898.38
247	713.85	552.51	161.35	71,478.33	71,156.93	813.85	726.33	87.52	63,193.44	8,284.89	38,172.04
248	713.85	553.75	160.10	71,638.43	70,603.18	813.85	727.96	85.89	63,279.33	8,359.10	37,444.08
249	713.85	554.99	158.86	71,797.29	70,048.19	813.85	729.60	84.25	63,363.58	8,433.71	36,714.48
250	713.85	556.24	157.61	71,954.90	69,491.95	813.85	731.24	82.61	63,446.19	8,508.71	35,983.23
251	713.85	557.49	156.36	72,111.26	68,934.45	813.85	732.89	80.96	63,527.15	8,584.11	35,250.34
252	713.85	558.75	155.10	72,266.36	68,375.70	813.85	734.54	79.31	63,606.46	8,659.90	34,515.80
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	713.85	560.01	153.85	72,420.20	67,815.70	813.85	736.19	77.66	63,684.12	8,736.08	33,779.61
254	713.85	561.27	152.59	72,572.79	67,254.43	813.85	737.85	76.00	63,760.13	8,812.66	33,041.77
255	713.85	562.53	151.32	72,724.11	66,691.90	813.85	739.51	74.34	63,834.47	8,889.64	32,302.26
256	713.85	563.80	150.06	72,874.17	66,128.10	813.85	741.17	72.68	63,907.15	8,967.02	31,561.09
257	713.85	565.06	148.79	73,022.96	65,563.04	813.85	742.84	71.01	63,978.16	9,044.79	30,818.25
258	713.85	566.33	147.52	73,170.47	64,996.71	813.85	744.51	69.34	64,047.50	9,122.97	30,073.74
259	713.85	567.61	146.24	73,316.72	64,429.10	813.85	746.19	67.67	64,115.17	9,201.55	29,327.55
260	713.85	568.89	144.97	73,461.68	63,860.21	813.85	747.86	65.99	64,181.16	9,280.53	28,579.69
261	713.85	570.17	143.69	73,605.37	63,290.04	813.85	749.55	64.30	64,245.46	9,359.91	27,830.14
262	713.85	571.45	142.40	73,747.77	62,718.60	813.85	751.23	62.62	64,308.08	9,439.69	27,078.90
263	713.85	572.73	141.12	73,888.89	62,145.86	813.85	752.92	60.93	64,369.01	9,519.88	26,325.98
264	713.85	574.02	139.83	74,028.72	61,571.84	813.85	754.62	59.23	64,428.24	9,600.48	25,571.36
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	713.85	575.32	138.54	74,167.25	60,996.52	813.85	756.32	57.54	64,485.78	9,681.48	24,815.05
266	713.85	576.61	137.24	74,304.49	60,419.91	813.85	758.02	55.83	64,541.61	9,762.88	24,057.03
267	713.85	577.91	135.94	74,440.44	59,842.00	813.85	759.72	54.13	64,595.74	9,844.70	23,297.30
268	713.85	579.21	134.64	74,575.08	59,262.80	813.85	761.43	52.42	64,648.16	9,926.93	22,535.87
269	713.85	580.51	133.34	74,708.43	58,682.29	813.85	763.15	50.71	64,698.86	10,009.56	21,772.72
270	713.85	581.82	132.04	74,840.46	58,100.47	813.85	764.86	48.99	64,747.85	10,092.61	21,007.86
271	713.85	583.13	130.73	74,971.19	57,517.34	813.85	766.58	47.27	64,795.12	10,176.07	20,241.28
272	713.85	584.44	129.41	75,100.60	56,932.91	813.85	768.31	45.54	64,840.66	10,259.94	19,472.97
273	713.85	585.75	128.10	75,228.70	56,347.15	813.85	770.04	43.81	64,884.48	10,344.22	18,702.93
274	713.85	587.07	126.78	75,355.48	55,760.08	813.85	771.77	42.08	64,926.56	10,428.92	17,931.16
275	713.85	588.39	125.46	75,480.94	55,171.69	813.85	773.51	40.35	64,966.90	10,514.04	17,157.65
276	713.85	589.72	124.14	75,605.08	54,581.98	813.85	775.25	38.60	65,005.51	10,599.57	16,382.41
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	713.85	591.04	122.81	75,727.89	53,990.93	813.85	776.99	36.86	65,042.37	10,685.52	15,605.42
278	713.85	592.37	121.48	75,849.37	53,398.56	813.85	778.74	35.11	65,077.48	10,771.89	14,826.68
279	713.85	593.71	120.15	75,969.51	52,804.86	813.85	780.49	33.36	65,110.84	10,858.67	14,046.18
280	713.85	595.04	118.81	76,088.32	52,209.82	813.85	782.25	31.60	65,142.44	10,945.88	13,263.94
281	713.85	596.38	117.47	76,205.80	51,613.44	813.85	784.01	29.84	65,172.29	11,033.51	12,479.93
282	713.85	597.72	116.13	76,321.93	51,015.71	813.85	785.77	28.08	65,200.37	11,121.56	11,694.16
283	713.85	599.07	114.79	76,436.71	50,416.65	813.85	787.54	26.31	65,226.68	11,210.03	10,906.62
284	713.85	600.41	113.44	76,550.15	49,816.23	813.85	789.31	24.54	65,251.22	11,298.93	10,117.30
285	713.85	601.77	112.09	76,662.24	49,214.47	813.85	791.09	22.76	65,273.98	11,388.25	9,326.22
286	713.85	603.12	110.73	76,772.97	48,611.35	813.85	792.87	20.98	65,294.97	11,478.00	8,533.35
287	713.85	604.48	109.38	76,882.34	48,006.87	813.85	794.65	19.20	65,314.17	11,568.18	7,738.70
288	713.85	605.84	108.02	76,990.36	47,401.04	813.85	796.44	17.41	65,331.58	11,658.78	6,942.26
Year 24 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
289	713.85	607.20	106.65	77,097.01	46,793.84	813.85	798.23	15.62	65,347.20	11,749.81	6,144.03
290	713.85	608.57	105.29	77,202.30	46,185.27	813.85	800.03	13.82	65,361.02	11,841.27	5,344.00
291	713.85	609.93	103.92	77,306.21	45,575.34	813.85	801.83	12.02	65,373.05	11,933.17	4,542.17
292	713.85	611.31	102.54	77,408.76	44,964.03	813.85	803.63	10.22	65,383.27	12,025.49	3,738.54
293	713.85	612.68	101.17	77,509.93	44,351.35	813.85	805.44	8.41	65,391.68	12,118.25	2,933.10
294	713.85	614.06	99.79	77,609.72	43,737.28	813.85	807.25	6.60	65,398.28	12,211.44	2,125.85
295	713.85	615.44	98.41	77,708.13	43,121.84	813.85	809.07	4.78	65,403.06	12,305.07	1,316.78
296	713.85	616.83	97.02	77,805.15	42,505.01	813.85	810.89	2.96	65,406.02	12,399.13	505.89
297	713.85	618.22	95.64	77,900.79	41,886.80	507.03	505.89	1.14	65,407.16	12,493.62	0.00

Loan Paid off in Year 25.

Total Interest Based on 30 Year Loan with No Extra Payment $80,986.65.

Total Interest Saved with Pre-Payment is $15,579.49