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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: $2,950

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
1 113.52 113.52 44.71 44.71 68.81 68.81 26,505.29 | 213.52 213.52 144.71 144.71 68.81 68.81 0.00 26,405.29
2 113.52 227.04 44.82 89.53 68.69 137.50 26,460.47 | 213.52 427.04 145.08 289.79 68.43 137.24 0.26 26,260.21
3 113.52 340.56 44.94 134.47 68.58 206.08 26,415.53 | 213.52 640.56 145.46 435.25 68.06 205.30 0.78 26,114.75
4 113.52 454.08 45.06 179.53 68.46 274.54 26,370.47 | 213.52 854.08 145.84 581.09 67.68 272.98 1.56 25,968.91
5 113.52 567.60 45.17 224.70 68.34 342.88 26,325.30 | 213.52 1,067.60 146.21 727.30 67.30 340.28 2.60 25,822.70
6 113.52 681.12 45.29 269.99 68.23 411.11 26,280.01 | 213.52 1,281.12 146.59 873.90 66.92 407.21 3.90 25,676.10
7 113.52 794.64 45.41 315.40 68.11 479.22 26,234.60 | 213.52 1,494.64 146.97 1,020.87 66.54 473.75 5.47 25,529.13
8 113.52 908.16 45.53 360.93 67.99 547.21 26,189.07 | 213.52 1,708.16 147.35 1,168.22 66.16 539.91 7.29 25,381.78
9 113.52 1,021.68 45.64 406.57 67.87 615.08 26,143.43 | 213.52 1,921.68 147.74 1,315.96 65.78 605.70 9.39 25,234.04
10 113.52 1,135.20 45.76 452.33 67.76 682.84 26,097.67 | 213.52 2,135.20 148.12 1,464.08 65.40 671.09 11.74 25,085.92
11 113.52 1,248.72 45.88 498.21 67.64 750.47 26,051.79 | 213.52 2,348.72 148.50 1,612.58 65.01 736.11 14.37 24,937.42
12 113.52 1,362.24 46.00 544.21 67.52 817.99 26,005.79 | 213.52 2,562.24 148.89 1,761.47 64.63 800.74 17.25 24,788.53
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
13 113.52 1,475.76 46.12 590.33 67.40 885.39 25,959.67 | 213.52 2,775.76 149.27 1,910.74 64.24 864.98 20.41 24,639.26
14 113.52 1,589.28 46.24 636.57 67.28 952.67 25,913.43 | 213.52 2,989.28 149.66 2,060.40 63.86 928.84 23.83 24,489.60
15 113.52 1,702.80 46.36 682.93 67.16 1,019.83 25,867.07 | 213.52 3,202.80 150.05 2,210.45 63.47 992.31 27.52 24,339.55
16 113.52 1,816.32 46.48 729.41 67.04 1,086.87 25,820.59 | 213.52 3,416.32 150.44 2,360.89 63.08 1,055.39 31.48 24,189.11
17 113.52 1,929.84 46.60 776.01 66.92 1,153.78 25,773.99 | 213.52 3,629.84 150.83 2,511.71 62.69 1,118.08 35.71 24,038.29
18 113.52 2,043.36 46.72 822.73 66.80 1,220.58 25,727.27 | 213.52 3,843.36 151.22 2,662.93 62.30 1,180.38 40.21 23,887.07
19 113.52 2,156.88 46.84 869.57 66.68 1,287.26 25,680.43 | 213.52 4,056.88 151.61 2,814.54 61.91 1,242.28 44.98 23,735.46
20 113.52 2,270.40 46.96 916.53 66.56 1,353.81 25,633.47 | 213.52 4,270.40 152.00 2,966.54 61.51 1,303.80 50.02 23,583.46
21 113.52 2,383.92 47.08 963.61 66.43 1,420.25 25,586.39 | 213.52 4,483.92 152.40 3,118.94 61.12 1,364.92 55.33 23,431.06
22 113.52 2,497.44 47.21 1,010.82 66.31 1,486.56 25,539.18 | 213.52 4,697.44 152.79 3,271.73 60.73 1,425.64 60.91 23,278.27
23 113.52 2,610.96 47.33 1,058.15 66.19 1,552.75 25,491.85 | 213.52 4,910.96 153.19 3,424.92 60.33 1,485.97 66.77 23,125.08
24 113.52 2,724.48 47.45 1,105.60 66.07 1,618.81 25,444.40 | 213.52 5,124.48 153.58 3,578.50 59.93 1,545.91 72.91 22,971.50
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
25 113.52 2,838.00 47.57 1,153.17 65.94 1,684.76 25,396.83 | 213.52 5,338.00 153.98 3,732.49 59.53 1,605.44 79.32 22,817.51
26 113.52 2,951.52 47.70 1,200.87 65.82 1,750.58 25,349.13 | 213.52 5,551.52 154.38 3,886.87 59.14 1,664.58 86.00 22,663.13
27 113.52 3,065.04 47.82 1,248.69 65.70 1,816.27 25,301.31 | 213.52 5,765.04 154.78 4,041.65 58.74 1,723.31 92.96 22,508.35
28 113.52 3,178.56 47.94 1,296.63 65.57 1,881.85 25,253.37 | 213.52 5,978.56 155.18 4,196.83 58.33 1,781.65 100.20 22,353.17
29 113.52 3,292.08 48.07 1,344.70 65.45 1,947.29 25,205.30 | 213.52 6,192.08 155.59 4,352.42 57.93 1,839.58 107.72 22,197.58
30 113.52 3,405.60 48.19 1,392.89 65.32 2,012.62 25,157.11 | 213.52 6,405.60 155.99 4,508.41 57.53 1,897.11 115.51 22,041.59
31 113.52 3,519.12 48.32 1,441.21 65.20 2,077.82 25,108.79 | 213.52 6,619.12 156.39 4,664.80 57.12 1,954.23 123.59 21,885.20
32 113.52 3,632.64 48.44 1,489.66 65.07 2,142.89 25,060.34 | 213.52 6,832.64 156.80 4,821.60 56.72 2,010.95 131.94 21,728.40
33 113.52 3,746.16 48.57 1,538.23 64.95 2,207.84 25,011.77 | 213.52 7,046.16 157.20 4,978.80 56.31 2,067.26 140.58 21,571.20
34 113.52 3,859.68 48.69 1,586.92 64.82 2,272.66 24,963.08 | 213.52 7,259.68 157.61 5,136.41 55.91 2,123.17 149.49 21,413.59
35 113.52 3,973.20 48.82 1,635.74 64.70 2,337.36 24,914.26 | 213.52 7,473.20 158.02 5,294.43 55.50 2,178.66 158.69 21,255.57
36 113.52 4,086.72 48.95 1,684.69 64.57 2,401.93 24,865.31 | 213.52 7,686.72 158.43 5,452.86 55.09 2,233.75 168.18 21,097.14
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
37 113.52 4,200.24 49.07 1,733.76 64.44 2,466.37 24,816.24 | 213.52 7,900.24 158.84 5,611.70 54.68 2,288.43 177.94 20,938.30
38 113.52 4,313.76 49.20 1,782.97 64.32 2,530.68 24,767.03 | 213.52 8,113.76 159.25 5,770.96 54.27 2,342.69 187.99 20,779.04
39 113.52 4,427.28 49.33 1,832.29 64.19 2,594.87 24,717.71 | 213.52 8,327.28 159.66 5,930.62 53.85 2,396.55 198.33 20,619.38
40 113.52 4,540.80 49.46 1,881.75 64.06 2,658.93 24,668.25 | 213.52 8,540.80 160.08 6,090.70 53.44 2,449.98 208.95 20,459.30
41 113.52 4,654.32 49.59 1,931.34 63.93 2,722.86 24,618.66 | 213.52 8,754.32 160.49 6,251.19 53.02 2,503.01 219.86 20,298.81
42 113.52 4,767.84 49.71 1,981.05 63.80 2,786.67 24,568.95 | 213.52 8,967.84 160.91 6,412.10 52.61 2,555.62 231.05 20,137.90
43 113.52 4,881.36 49.84 2,030.89 63.67 2,850.34 24,519.11 | 213.52 9,181.36 161.33 6,573.43 52.19 2,607.81 242.54 19,976.57
44 113.52 4,994.88 49.97 2,080.87 63.55 2,913.89 24,469.13 | 213.52 9,394.88 161.74 6,735.17 51.77 2,659.58 254.31 19,814.83
45 113.52 5,108.40 50.10 2,130.97 63.42 2,977.30 24,419.03 | 213.52 9,608.40 162.16 6,897.34 51.35 2,710.93 266.37 19,652.66
46 113.52 5,221.92 50.23 2,181.20 63.29 3,040.59 24,368.80 | 213.52 9,821.92 162.58 7,059.92 50.93 2,761.87 278.72 19,490.08
47 113.52 5,335.44 50.36 2,231.56 63.16 3,103.75 24,318.44 | 213.52 10,035.44 163.01 7,222.93 50.51 2,812.38 291.37 19,327.07
48 113.52 5,448.96 50.49 2,282.05 63.03 3,166.77 24,267.95 | 213.52 10,248.96 163.43 7,386.35 50.09 2,862.47 304.30 19,163.65
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
49 113.52 5,562.48 50.62 2,332.67 62.89 3,229.67 24,217.33 | 213.52 10,462.48 163.85 7,550.21 49.67 2,912.13 317.53 18,999.79
50 113.52 5,676.00 50.75 2,383.43 62.76 3,292.43 24,166.57 | 213.52 10,676.00 164.28 7,714.48 49.24 2,961.37 331.05 18,835.52
51 113.52 5,789.52 50.89 2,434.31 62.63 3,355.06 24,115.69 | 213.52 10,889.52 164.70 7,879.18 48.82 3,010.19 344.87 18,670.82
52 113.52 5,903.04 51.02 2,485.33 62.50 3,417.56 24,064.67 | 213.52 11,103.04 165.13 8,044.31 48.39 3,058.58 358.98 18,505.69
53 113.52 6,016.56 51.15 2,536.48 62.37 3,479.93 24,013.52 | 213.52 11,316.56 165.56 8,209.87 47.96 3,106.54 373.39 18,340.13
54 113.52 6,130.08 51.28 2,587.76 62.24 3,542.16 23,962.24 | 213.52 11,530.08 165.99 8,375.85 47.53 3,154.07 388.09 18,174.15
55 113.52 6,243.60 51.41 2,639.18 62.10 3,604.26 23,910.82 | 213.52 11,743.60 166.42 8,542.27 47.10 3,201.17 403.09 18,007.73
56 113.52 6,357.12 51.55 2,690.72 61.97 3,666.23 23,859.28 | 213.52 11,957.12 166.85 8,709.12 46.67 3,247.84 418.39 17,840.88
57 113.52 6,470.64 51.68 2,742.41 61.84 3,728.07 23,807.59 | 213.52 12,170.64 167.28 8,876.40 46.24 3,294.08 433.99 17,673.60
58 113.52 6,584.16 51.82 2,794.22 61.70 3,789.77 23,755.78 | 213.52 12,384.16 167.71 9,044.11 45.80 3,339.88 449.89 17,505.89
59 113.52 6,697.68 51.95 2,846.17 61.57 3,851.34 23,703.83 | 213.52 12,597.68 168.15 9,212.26 45.37 3,385.25 466.08 17,337.74
60 113.52 6,811.20 52.08 2,898.26 61.43 3,912.77 23,651.74 | 213.52 12,811.20 168.58 9,380.84 44.93 3,430.19 482.58 17,169.16
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
61 113.52 6,924.72 52.22 2,950.48 61.30 3,974.07 23,599.52 | 213.52 13,024.72 169.02 9,549.86 44.50 3,474.68 499.38 17,000.14
62 113.52 7,038.24 52.36 3,002.83 61.16 4,035.23 23,547.17 | 213.52 13,238.24 169.46 9,719.32 44.06 3,518.74 516.49 16,830.68
63 113.52 7,151.76 52.49 3,055.32 61.03 4,096.26 23,494.68 | 213.52 13,451.76 169.90 9,889.22 43.62 3,562.36 533.89 16,660.78
64 113.52 7,265.28 52.63 3,107.95 60.89 4,157.15 23,442.05 | 213.52 13,665.28 170.34 10,059.55 43.18 3,605.54 551.61 16,490.45
65 113.52 7,378.80 52.76 3,160.71 60.75 4,217.90 23,389.29 | 213.52 13,878.80 170.78 10,230.33 42.74 3,648.28 569.62 16,319.67
66 113.52 7,492.32 52.90 3,213.61 60.62 4,278.52 23,336.39 | 213.52 14,092.32 171.22 10,401.56 42.30 3,690.57 587.94 16,148.44
67 113.52 7,605.84 53.04 3,266.65 60.48 4,339.00 23,283.35 | 213.52 14,305.84 171.67 10,573.22 41.85 3,732.42 606.57 15,976.78
68 113.52 7,719.36 53.17 3,319.82 60.34 4,399.34 23,230.18 | 213.52 14,519.36 172.11 10,745.33 41.41 3,773.83 625.51 15,804.67
69 113.52 7,832.88 53.31 3,373.14 60.20 4,459.54 23,176.86 | 213.52 14,732.88 172.56 10,917.89 40.96 3,814.79 644.75 15,632.11
70 113.52 7,946.40 53.45 3,426.59 60.07 4,519.61 23,123.41 | 213.52 14,946.40 173.00 11,090.89 40.51 3,855.30 664.31 15,459.11
71 113.52 8,059.92 53.59 3,480.17 59.93 4,579.54 23,069.83 | 213.52 15,159.92 173.45 11,264.35 40.06 3,895.37 684.17 15,285.65
72 113.52 8,173.44 53.73 3,533.90 59.79 4,639.33 23,016.10 | 213.52 15,373.44 173.90 11,438.25 39.62 3,934.98 704.34 15,111.75
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
73 113.52 8,286.96 53.87 3,587.77 59.65 4,698.98 22,962.23 | 213.52 15,586.96 174.35 11,612.60 39.16 3,974.15 724.83 14,937.40
74 113.52 8,400.48 54.01 3,641.78 59.51 4,758.49 22,908.22 | 213.52 15,800.48 174.80 11,787.40 38.71 4,012.86 745.63 14,762.60
75 113.52 8,514.00 54.15 3,695.92 59.37 4,817.86 22,854.08 | 213.52 16,014.00 175.26 11,962.66 38.26 4,051.12 766.74 14,587.34
76 113.52 8,627.52 54.29 3,750.21 59.23 4,877.09 22,799.79 | 213.52 16,227.52 175.71 12,138.37 37.81 4,088.93 788.16 14,411.63
77 113.52 8,741.04 54.43 3,804.64 59.09 4,936.18 22,745.36 | 213.52 16,441.04 176.17 12,314.54 37.35 4,126.28 809.90 14,235.46
78 113.52 8,854.56 54.57 3,859.21 58.95 4,995.13 22,690.79 | 213.52 16,654.56 176.62 12,491.16 36.89 4,163.17 831.96 14,058.84
79 113.52 8,968.08 54.71 3,913.92 58.81 5,053.94 22,636.08 | 213.52 16,868.08 177.08 12,668.24 36.44 4,199.61 854.33 13,881.76
80 113.52 9,081.60 54.85 3,968.77 58.67 5,112.60 22,581.23 | 213.52 17,081.60 177.54 12,845.79 35.98 4,235.58 877.02 13,704.21
81 113.52 9,195.12 54.99 4,023.76 58.52 5,171.12 22,526.24 | 213.52 17,295.12 178.00 13,023.79 35.52 4,271.10 900.02 13,526.21
82 113.52 9,308.64 55.14 4,078.90 58.38 5,229.50 22,471.10 | 213.52 17,508.64 178.46 13,202.25 35.06 4,306.16 923.35 13,347.75
83 113.52 9,422.16 55.28 4,134.18 58.24 5,287.74 22,415.82 | 213.52 17,722.16 178.92 13,381.17 34.59 4,340.75 946.99 13,168.83
84 113.52 9,535.68 55.42 4,189.60 58.09 5,345.84 22,360.40 | 213.52 17,935.68 179.39 13,560.56 34.13 4,374.88 970.96 12,989.44
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
85 113.52 9,649.20 55.57 4,245.17 57.95 5,403.79 22,304.83 | 213.52 18,149.20 179.85 13,740.41 33.66 4,408.54 995.24 12,809.59
86 113.52 9,762.72 55.71 4,300.88 57.81 5,461.59 22,249.12 | 213.52 18,362.72 180.32 13,920.73 33.20 4,441.74 1,019.85 12,629.27
87 113.52 9,876.24 55.85 4,356.73 57.66 5,519.26 22,193.27 | 213.52 18,576.24 180.79 14,101.52 32.73 4,474.47 1,044.78 12,448.48
88 113.52 9,989.76 56.00 4,412.73 57.52 5,576.77 22,137.27 | 213.52 18,789.76 181.25 14,282.77 32.26 4,506.73 1,070.04 12,267.23
89 113.52 10,103.28 56.14 4,468.88 57.37 5,634.15 22,081.12 | 213.52 19,003.28 181.72 14,464.50 31.79 4,538.53 1,095.62 12,085.50
90 113.52 10,216.80 56.29 4,525.17 57.23 5,691.37 22,024.83 | 213.52 19,216.80 182.20 14,646.69 31.32 4,569.85 1,121.52 11,903.31
91 113.52 10,330.32 56.44 4,581.60 57.08 5,748.45 21,968.40 | 213.52 19,430.32 182.67 14,829.36 30.85 4,600.70 1,147.76 11,720.64
92 113.52 10,443.84 56.58 4,638.19 56.93 5,805.39 21,911.81 | 213.52 19,643.84 183.14 15,012.50 30.38 4,631.07 1,174.31 11,537.50
93 113.52 10,557.36 56.73 4,694.91 56.79 5,862.18 21,855.09 | 213.52 19,857.36 183.62 15,196.12 29.90 4,660.97 1,201.20 11,353.88
94 113.52 10,670.88 56.88 4,751.79 56.64 5,918.82 21,798.21 | 213.52 20,070.88 184.09 15,380.21 29.43 4,690.40 1,228.42 11,169.79
95 113.52 10,784.40 57.02 4,808.81 56.49 5,975.31 21,741.19 | 213.52 20,284.40 184.57 15,564.78 28.95 4,719.35 1,255.96 10,985.22
96 113.52 10,897.92 57.17 4,865.99 56.35 6,031.66 21,684.01 | 213.52 20,497.92 185.05 15,749.82 28.47 4,747.82 1,283.84 10,800.18
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
97 113.52 11,011.44 57.32 4,923.30 56.20 6,087.85 21,626.70 | 213.52 20,711.44 185.53 15,935.35 27.99 4,775.81 1,312.05 10,614.65
98 113.52 11,124.96 57.47 4,980.77 56.05 6,143.90 21,569.23 | 213.52 20,924.96 186.01 16,121.36 27.51 4,803.32 1,340.59 10,428.64
99 113.52 11,238.48 57.62 5,038.39 55.90 6,199.80 21,511.61 | 213.52 21,138.48 186.49 16,307.85 27.03 4,830.35 1,369.46 10,242.15
100 113.52 11,352.00 57.77 5,096.16 55.75 6,255.55 21,453.84 | 213.52 21,352.00 186.97 16,494.82 26.54 4,856.89 1,398.66 10,055.18
101 113.52 11,465.52 57.92 5,154.07 55.60 6,311.16 21,395.93 | 213.52 21,565.52 187.46 16,682.28 26.06 4,882.95 1,428.21 9,867.72
102 113.52 11,579.04 58.07 5,212.14 55.45 6,366.61 21,337.86 | 213.52 21,779.04 187.94 16,870.22 25.57 4,908.52 1,458.08 9,679.78
103 113.52 11,692.56 58.22 5,270.35 55.30 6,421.91 21,279.65 | 213.52 21,992.56 188.43 17,058.65 25.09 4,933.61 1,488.30 9,491.35
104 113.52 11,806.08 58.37 5,328.72 55.15 6,477.06 21,221.28 | 213.52 22,206.08 188.92 17,247.57 24.60 4,958.21 1,518.85 9,302.43
105 113.52 11,919.60 58.52 5,387.24 55.00 6,532.06 21,162.76 | 213.52 22,419.60 189.41 17,436.98 24.11 4,982.32 1,549.74 9,113.02
106 113.52 12,033.12 58.67 5,445.91 54.85 6,586.90 21,104.09 | 213.52 22,633.12 189.90 17,626.88 23.62 5,005.94 1,580.97 8,923.12
107 113.52 12,146.64 58.82 5,504.73 54.69 6,641.60 21,045.27 | 213.52 22,846.64 190.39 17,817.27 23.13 5,029.06 1,612.54 8,732.73
108 113.52 12,260.16 58.97 5,563.71 54.54 6,696.14 20,986.29 | 213.52 23,060.16 190.88 18,008.15 22.63 5,051.69 1,644.45 8,541.85
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
109 113.52 12,373.68 59.13 5,622.84 54.39 6,750.53 20,927.16 | 213.52 23,273.68 191.38 18,199.53 22.14 5,073.83 1,676.70 8,350.47
110 113.52 12,487.20 59.28 5,682.12 54.24 6,804.77 20,867.88 | 213.52 23,487.20 191.88 18,391.41 21.64 5,095.47 1,709.29 8,158.59
111 113.52 12,600.72 59.43 5,741.55 54.08 6,858.85 20,808.45 | 213.52 23,700.72 192.37 18,583.78 21.14 5,116.62 1,742.23 7,966.22
112 113.52 12,714.24 59.59 5,801.14 53.93 6,912.78 20,748.86 | 213.52 23,914.24 192.87 18,776.65 20.65 5,137.26 1,775.51 7,773.35
113 113.52 12,827.76 59.74 5,860.88 53.77 6,966.55 20,689.12 | 213.52 24,127.76 193.37 18,970.02 20.15 5,157.41 1,809.14 7,579.98
114 113.52 12,941.28 59.90 5,920.78 53.62 7,020.17 20,629.22 | 213.52 24,341.28 193.87 19,163.90 19.64 5,177.05 1,843.12 7,386.10
115 113.52 13,054.80 60.05 5,980.83 53.46 7,073.63 20,569.17 | 213.52 24,554.80 194.37 19,358.27 19.14 5,196.20 1,877.44 7,191.73
116 113.52 13,168.32 60.21 6,041.04 53.31 7,126.94 20,508.96 | 213.52 24,768.32 194.88 19,553.15 18.64 5,214.83 1,912.11 6,996.85
117 113.52 13,281.84 60.36 6,101.41 53.15 7,180.10 20,448.59 | 213.52 24,981.84 195.38 19,748.53 18.13 5,232.97 1,947.13 6,801.47
118 113.52 13,395.36 60.52 6,161.93 53.00 7,233.09 20,388.07 | 213.52 25,195.36 195.89 19,944.42 17.63 5,250.60 1,982.50 6,605.58
119 113.52 13,508.88 60.68 6,222.61 52.84 7,285.93 20,327.39 | 213.52 25,408.88 196.40 20,140.82 17.12 5,267.71 2,018.22 6,409.18
120 113.52 13,622.40 60.84 6,283.44 52.68 7,338.61 20,266.56 | 213.52 25,622.40 196.91 20,337.73 16.61 5,284.33 2,054.29 6,212.27
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
121 113.52 13,735.92 60.99 6,344.43 52.52 7,391.14 20,205.57 | 213.52 25,835.92 197.42 20,535.14 16.10 5,300.43 2,090.71 6,014.86
122 113.52 13,849.44 61.15 6,405.58 52.37 7,443.50 20,144.42 | 213.52 26,049.44 197.93 20,733.07 15.59 5,316.01 2,127.49 5,816.93
123 113.52 13,962.96 61.31 6,466.89 52.21 7,495.71 20,083.11 | 213.52 26,262.96 198.44 20,931.51 15.08 5,331.09 2,164.62 5,618.49
124 113.52 14,076.48 61.47 6,528.36 52.05 7,547.76 20,021.64 | 213.52 26,476.48 198.96 21,130.47 14.56 5,345.65 2,202.11 5,419.53
125 113.52 14,190.00 61.63 6,589.99 51.89 7,599.65 19,960.01 | 213.52 26,690.00 199.47 21,329.94 14.05 5,359.70 2,239.95 5,220.06
126 113.52 14,303.52 61.79 6,651.78 51.73 7,651.38 19,898.22 | 213.52 26,903.52 199.99 21,529.93 13.53 5,373.23 2,278.15 5,020.07
127 113.52 14,417.04 61.95 6,713.73 51.57 7,702.95 19,836.27 | 213.52 27,117.04 200.51 21,730.44 13.01 5,386.24 2,316.71 4,819.56
128 113.52 14,530.56 62.11 6,775.83 51.41 7,754.36 19,774.17 | 213.52 27,330.56 201.03 21,931.46 12.49 5,398.73 2,355.63 4,618.54
129 113.52 14,644.08 62.27 6,838.10 51.25 7,805.60 19,711.90 | 213.52 27,544.08 201.55 22,133.01 11.97 5,410.70 2,394.91 4,416.99
130 113.52 14,757.60 62.43 6,900.53 51.09 7,856.69 19,649.47 | 213.52 27,757.60 202.07 22,335.08 11.45 5,422.14 2,434.55 4,214.92
131 113.52 14,871.12 62.59 6,963.13 50.92 7,907.62 19,586.87 | 213.52 27,971.12 202.59 22,537.67 10.92 5,433.07 2,474.55 4,012.33
132 113.52 14,984.64 62.75 7,025.88 50.76 7,958.38 19,524.12 | 213.52 28,184.64 203.12 22,740.79 10.40 5,443.47 2,514.91 3,809.21
Year 11 Completed - Top of Page, Short Cuts
Month Payment Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Balance   Payment
Plus Extra		 Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Interest
Saved		 Balance
133 113.52 15,098.16 62.92 7,088.80 50.60 8,008.98 19,461.20 | 213.52 28,398.16 203.64 22,944.44 9.87 5,453.34 2,555.64 3,605.56
134 113.52 15,211.68 63.08 7,151.88 50.44 8,059.42 19,398.12 | 213.52 28,611.68 204.17 23,148.61 9.34 5,462.68 2,596.73 3,401.39
135 113.52 15,325.20 63.24 7,215.12 50.27 8,109.69 19,334.88 | 213.52 28,825.20 204.70 23,353.31 8.82 5,471.50 2,638.19 3,196.69
136 113.52 15,438.72 63.41 7,278.53 50.11 8,159.80 19,271.47 | 213.52 29,038.72 205.23 23,558.54 8.28 5,479.78 2,680.02 2,991.46
137 113.52 15,552.24 63.57 7,342.10 49.95 8,209.74 19,207.90 | 213.52 29,252.24 205.76 23,764.31 7.75 5,487.53 2,722.21 2,785.69
138 113.52 15,665.76 63.74 7,405.84 49.78 8,259.52 19,144.16 | 213.52 29,465.76 206.30 23,970.61 7.22 5,494.75 2,764.77 2,579.39
139 113.52 15,779.28 63.90 7,469.74 49.62 8,309.14 19,080.26 | 213.52 29,679.28 206.83 24,177.44 6.68 5,501.44 2,807.70 2,372.56
140 113.52 15,892.80 64.07 7,533.81 49.45 8,358.59 19,016.19 | 213.52 29,892.80 207.37 24,384.81 6.15 5,507.59 2,851.00 2,165.19
141 113.52 16,006.32 64.23 7,598.04 49.28 8,407.87 18,951.96 | 213.52 30,106.32 207.91 24,592.71 5.61 5,513.20 2,894.67 1,957.29
142 113.52 16,119.84 64.40 7,662.44 49.12 8,456.99 18,887.56 | 213.52 30,319.84 208.44 24,801.16 5.07 5,518.27 2,938.72 1,748.84
143 113.52 16,233.36 64.57 7,727.01 48.95 8,505.94 18,822.99 | 213.52 30,533.36 208.98 25,010.14 4.53 5,522.80 2,983.14 1,539.86
144 113.52 16,346.88 64.73 7,791.74 48.78 8,554.72 18,758.26 | 213.52 30,746.88 209.53 25,219.67 3.99 5,526.80 3,027.93 1,330.33
Year 12 Completed - Top of Page, Short Cuts
Month Payment Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Balance   Payment
Plus Extra		 Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Interest
Saved		 Balance
145 113.52 16,460.40 64.90 7,856.64 48.62 8,603.34 18,693.36 | 213.52 30,960.40 210.07 25,429.74 3.45 5,530.24 3,073.09 1,120.26
146 113.52 16,573.92 65.07 7,921.71 48.45 8,651.79 18,628.29 | 213.52 31,173.92 210.61 25,640.35 2.90 5,533.15 3,118.64 909.65
147 113.52 16,687.44 65.24 7,986.95 48.28 8,700.06 18,563.05 | 213.52 31,387.44 211.16 25,851.51 2.36 5,535.50 3,164.56 698.49
148 113.52 16,800.96 65.41 8,052.36 48.11 8,748.17 18,497.64 | 213.52 31,600.96 211.71 26,063.22 1.81 5,537.31 3,210.86 486.78
149 113.52 16,914.48 65.58 8,117.94 47.94 8,796.11 18,432.06 | 213.52 31,814.48 212.26 26,275.47 1.26 5,538.58 3,257.54 274.53
150 113.52 17,028.00 65.75 8,183.68 47.77 8,843.88 18,366.32 | 213.52 32,028.00 212.81 26,488.28 0.71 5,539.29 3,304.59 61.72
151 113.52 17,141.52 65.92 8,249.60 47.60 8,891.48 18,300.40 | 61.88 32,089.88 61.72 26,701.64 0.16 5,539.45 3,352.03 0.00

Loan Paid off in Year 13.

Total Interest Based on 30 Year Loan with No Extra Payment $14,316.16.

Total Interest Saved with Pre-Payment is $8,776.71