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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: $3,100

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
1 160.17 160.17 29.97 29.97 130.20 130.20 27,870.03 | 260.17 260.17 129.97 129.97 130.20 130.20 0.00 27,770.03
2 160.17 320.34 30.11 60.08 130.06 260.26 27,839.92 | 260.17 520.34 130.57 260.54 129.59 259.79 0.47 27,639.46
3 160.17 480.51 30.25 90.32 129.92 390.18 27,809.68 | 260.17 780.51 131.18 391.73 128.98 388.78 1.40 27,508.27
4 160.17 640.68 30.39 120.71 129.78 519.96 27,779.29 | 260.17 1,040.68 131.80 523.52 128.37 517.15 2.81 27,376.48
5 160.17 800.85 30.53 151.25 129.64 649.59 27,748.75 | 260.17 1,300.85 132.41 655.93 127.76 644.91 4.69 27,244.07
6 160.17 961.02 30.67 181.92 129.49 779.09 27,718.08 | 260.17 1,561.02 133.03 788.96 127.14 772.05 7.04 27,111.04
7 160.17 1,121.19 30.82 212.74 129.35 908.44 27,687.26 | 260.17 1,821.19 133.65 922.61 126.52 898.56 9.88 26,977.39
8 160.17 1,281.36 30.96 243.70 129.21 1,037.65 27,656.30 | 260.17 2,081.36 134.27 1,056.89 125.89 1,024.46 13.19 26,843.11
9 160.17 1,441.53 31.11 274.80 129.06 1,166.71 27,625.20 | 260.17 2,341.53 134.90 1,191.79 125.27 1,149.73 16.98 26,708.21
10 160.17 1,601.70 31.25 306.05 128.92 1,295.63 27,593.95 | 260.17 2,601.70 135.53 1,327.32 124.64 1,274.36 21.26 26,572.68
11 160.17 1,761.87 31.40 337.45 128.77 1,424.40 27,562.55 | 260.17 2,861.87 136.16 1,463.48 124.01 1,398.37 26.03 26,436.52
12 160.17 1,922.04 31.54 368.99 128.63 1,553.02 27,531.01 | 260.17 3,122.04 136.80 1,600.28 123.37 1,521.74 31.28 26,299.72
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
13 160.17 2,082.21 31.69 400.68 128.48 1,681.50 27,499.32 | 260.17 3,382.21 137.44 1,737.71 122.73 1,644.47 37.03 26,162.29
14 160.17 2,242.38 31.84 432.52 128.33 1,809.83 27,467.48 | 260.17 3,642.38 138.08 1,875.79 122.09 1,766.56 43.27 26,024.21
15 160.17 2,402.55 31.99 464.51 128.18 1,938.01 27,435.49 | 260.17 3,902.55 138.72 2,014.51 121.45 1,888.01 50.00 25,885.49
16 160.17 2,562.72 32.14 496.64 128.03 2,066.05 27,403.36 | 260.17 4,162.72 139.37 2,153.88 120.80 2,008.81 57.24 25,746.12
17 160.17 2,722.89 32.29 528.93 127.88 2,193.93 27,371.07 | 260.17 4,422.89 140.02 2,293.90 120.15 2,128.96 64.97 25,606.10
18 160.17 2,883.06 32.44 561.36 127.73 2,321.66 27,338.64 | 260.17 4,683.06 140.67 2,434.57 119.50 2,248.45 73.21 25,465.43
19 160.17 3,043.23 32.59 593.95 127.58 2,449.24 27,306.05 | 260.17 4,943.23 141.33 2,575.90 118.84 2,367.29 81.95 25,324.10
20 160.17 3,203.40 32.74 626.69 127.43 2,576.67 27,273.31 | 260.17 5,203.40 141.99 2,717.89 118.18 2,485.47 91.20 25,182.11
21 160.17 3,363.57 32.89 659.58 127.28 2,703.94 27,240.42 | 260.17 5,463.57 142.65 2,860.54 117.52 2,602.99 100.96 25,039.46
22 160.17 3,523.74 33.05 692.63 127.12 2,831.07 27,207.37 | 260.17 5,723.74 143.32 3,003.86 116.85 2,719.84 111.23 24,896.14
23 160.17 3,683.91 33.20 725.83 126.97 2,958.03 27,174.17 | 260.17 5,983.91 143.99 3,147.85 116.18 2,836.02 122.02 24,752.15
24 160.17 3,844.08 33.36 759.19 126.81 3,084.85 27,140.81 | 260.17 6,244.08 144.66 3,292.50 115.51 2,951.53 133.32 24,607.50
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
25 160.17 4,004.25 33.51 792.70 126.66 3,211.50 27,107.30 | 260.17 6,504.25 145.33 3,437.84 114.83 3,066.36 145.14 24,462.16
26 160.17 4,164.42 33.67 826.36 126.50 3,338.01 27,073.64 | 260.17 6,764.42 146.01 3,583.85 114.16 3,180.52 157.48 24,316.15
27 160.17 4,324.59 33.82 860.19 126.34 3,464.35 27,039.81 | 260.17 7,024.59 146.69 3,730.54 113.48 3,294.00 170.35 24,169.46
28 160.17 4,484.76 33.98 894.17 126.19 3,590.53 27,005.83 | 260.17 7,284.76 147.38 3,877.92 112.79 3,406.79 183.75 24,022.08
29 160.17 4,644.93 34.14 928.31 126.03 3,716.56 26,971.69 | 260.17 7,544.93 148.06 4,025.98 112.10 3,518.89 197.67 23,874.02
30 160.17 4,805.10 34.30 962.61 125.87 3,842.43 26,937.39 | 260.17 7,805.10 148.76 4,174.74 111.41 3,630.30 212.13 23,725.26
31 160.17 4,965.27 34.46 997.07 125.71 3,968.14 26,902.93 | 260.17 8,065.27 149.45 4,324.19 110.72 3,741.02 227.12 23,575.81
32 160.17 5,125.44 34.62 1,031.69 125.55 4,093.68 26,868.31 | 260.17 8,325.44 150.15 4,474.34 110.02 3,851.04 242.64 23,425.66
33 160.17 5,285.61 34.78 1,066.48 125.39 4,219.07 26,833.52 | 260.17 8,585.61 150.85 4,625.18 109.32 3,960.36 258.71 23,274.82
34 160.17 5,445.78 34.94 1,101.42 125.22 4,344.29 26,798.58 | 260.17 8,845.78 151.55 4,776.74 108.62 4,068.98 275.32 23,123.26
35 160.17 5,605.95 35.11 1,136.53 125.06 4,469.35 26,763.47 | 260.17 9,105.95 152.26 4,929.00 107.91 4,176.88 292.47 22,971.00
36 160.17 5,766.12 35.27 1,171.80 124.90 4,594.25 26,728.20 | 260.17 9,366.12 152.97 5,081.97 107.20 4,284.08 310.17 22,818.03
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
37 160.17 5,926.29 35.44 1,207.24 124.73 4,718.98 26,692.76 | 260.17 9,626.29 153.68 5,235.65 106.48 4,390.57 328.41 22,664.35
38 160.17 6,086.46 35.60 1,242.84 124.57 4,843.55 26,657.16 | 260.17 9,886.46 154.40 5,390.05 105.77 4,496.33 347.21 22,509.95
39 160.17 6,246.63 35.77 1,278.61 124.40 4,967.95 26,621.39 | 260.17 10,146.63 155.12 5,545.17 105.05 4,601.38 366.57 22,354.83
40 160.17 6,406.80 35.93 1,314.54 124.23 5,092.18 26,585.46 | 260.17 10,406.80 155.85 5,701.02 104.32 4,705.70 386.48 22,198.98
41 160.17 6,566.97 36.10 1,350.64 124.07 5,216.25 26,549.36 | 260.17 10,666.97 156.57 5,857.59 103.60 4,809.30 406.95 22,042.41
42 160.17 6,727.14 36.27 1,386.91 123.90 5,340.14 26,513.09 | 260.17 10,927.14 157.30 6,014.89 102.86 4,912.16 427.98 21,885.11
43 160.17 6,887.31 36.44 1,423.35 123.73 5,463.87 26,476.65 | 260.17 11,187.31 158.04 6,172.93 102.13 5,014.29 449.58 21,727.07
44 160.17 7,047.48 36.61 1,459.97 123.56 5,587.43 26,440.03 | 260.17 11,447.48 158.78 6,331.71 101.39 5,115.69 471.74 21,568.29
45 160.17 7,207.65 36.78 1,496.75 123.39 5,710.82 26,403.25 | 260.17 11,707.65 159.52 6,491.22 100.65 5,216.34 494.48 21,408.78
46 160.17 7,367.82 36.95 1,533.70 123.22 5,834.03 26,366.30 | 260.17 11,967.82 160.26 6,651.48 99.91 5,316.25 517.78 21,248.52
47 160.17 7,527.99 37.13 1,570.82 123.04 5,957.07 26,329.18 | 260.17 12,227.99 161.01 6,812.49 99.16 5,415.41 541.67 21,087.51
48 160.17 7,688.16 37.30 1,608.12 122.87 6,079.94 26,291.88 | 260.17 12,488.16 161.76 6,974.25 98.41 5,513.81 566.13 20,925.75
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
49 160.17 7,848.33 37.47 1,645.60 122.70 6,202.64 26,254.40 | 260.17 12,748.33 162.51 7,136.77 97.65 5,611.47 591.17 20,763.23
50 160.17 8,008.50 37.65 1,683.24 122.52 6,325.16 26,216.76 | 260.17 13,008.50 163.27 7,300.04 96.90 5,708.36 616.80 20,599.96
51 160.17 8,168.67 37.82 1,721.07 122.34 6,447.50 26,178.93 | 260.17 13,268.67 164.03 7,464.07 96.13 5,804.50 643.01 20,435.93
52 160.17 8,328.84 38.00 1,759.07 122.17 6,569.67 26,140.93 | 260.17 13,528.84 164.80 7,628.87 95.37 5,899.86 669.81 20,271.13
53 160.17 8,489.01 38.18 1,797.24 121.99 6,691.66 26,102.76 | 260.17 13,789.01 165.57 7,794.44 94.60 5,994.46 697.20 20,105.56
54 160.17 8,649.18 38.36 1,835.60 121.81 6,813.48 26,064.40 | 260.17 14,049.18 166.34 7,960.79 93.83 6,088.29 725.19 19,939.21
55 160.17 8,809.35 38.53 1,874.13 121.63 6,935.11 26,025.87 | 260.17 14,309.35 167.12 8,127.90 93.05 6,181.34 753.77 19,772.10
56 160.17 8,969.52 38.71 1,912.85 121.45 7,056.56 25,987.15 | 260.17 14,569.52 167.90 8,295.80 92.27 6,273.61 782.96 19,604.20
57 160.17 9,129.69 38.89 1,951.74 121.27 7,177.84 25,948.26 | 260.17 14,829.69 168.68 8,464.48 91.49 6,365.09 812.74 19,435.52
58 160.17 9,289.86 39.08 1,990.82 121.09 7,298.93 25,909.18 | 260.17 15,089.86 169.47 8,633.95 90.70 6,455.79 843.14 19,266.05
59 160.17 9,450.03 39.26 2,030.08 120.91 7,419.84 25,869.92 | 260.17 15,350.03 170.26 8,804.21 89.91 6,545.70 874.14 19,095.79
60 160.17 9,610.20 39.44 2,069.52 120.73 7,540.56 25,830.48 | 260.17 15,610.20 171.05 8,975.27 89.11 6,634.81 905.75 18,924.73
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
61 160.17 9,770.37 39.63 2,109.14 120.54 7,661.11 25,790.86 | 260.17 15,870.37 171.85 9,147.12 88.32 6,723.13 937.98 18,752.88
62 160.17 9,930.54 39.81 2,148.95 120.36 7,781.46 25,751.05 | 260.17 16,130.54 172.65 9,319.77 87.51 6,810.64 970.82 18,580.23
63 160.17 10,090.71 40.00 2,188.95 120.17 7,901.64 25,711.05 | 260.17 16,390.71 173.46 9,493.24 86.71 6,897.35 1,004.28 18,406.76
64 160.17 10,250.88 40.18 2,229.13 119.98 8,021.62 25,670.87 | 260.17 16,650.88 174.27 9,667.50 85.90 6,983.25 1,038.37 18,232.50
65 160.17 10,411.05 40.37 2,269.50 119.80 8,141.42 25,630.50 | 260.17 16,911.05 175.08 9,842.59 85.08 7,068.33 1,073.08 18,057.41
66 160.17 10,571.22 40.56 2,310.06 119.61 8,261.03 25,589.94 | 260.17 17,171.22 175.90 10,018.49 84.27 7,152.60 1,108.42 17,881.51
67 160.17 10,731.39 40.75 2,350.81 119.42 8,380.45 25,549.19 | 260.17 17,431.39 176.72 10,195.21 83.45 7,236.05 1,144.40 17,704.79
68 160.17 10,891.56 40.94 2,391.75 119.23 8,499.68 25,508.25 | 260.17 17,691.56 177.55 10,372.75 82.62 7,318.67 1,181.00 17,527.25
69 160.17 11,051.73 41.13 2,432.88 119.04 8,618.71 25,467.12 | 260.17 17,951.73 178.37 10,551.13 81.79 7,400.47 1,218.25 17,348.87
70 160.17 11,211.90 41.32 2,474.20 118.85 8,737.56 25,425.80 | 260.17 18,211.90 179.21 10,730.34 80.96 7,481.43 1,256.13 17,169.66
71 160.17 11,372.07 41.51 2,515.72 118.65 8,856.21 25,384.28 | 260.17 18,472.07 180.04 10,910.38 80.13 7,561.55 1,294.66 16,989.62
72 160.17 11,532.24 41.71 2,557.42 118.46 8,974.67 25,342.58 | 260.17 18,732.24 180.88 11,091.26 79.28 7,640.84 1,333.84 16,808.74
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
73 160.17 11,692.41 41.90 2,599.33 118.27 9,092.94 25,300.67 | 260.17 18,992.41 181.73 11,272.99 78.44 7,719.28 1,373.66 16,627.01
74 160.17 11,852.58 42.10 2,641.42 118.07 9,211.01 25,258.58 | 260.17 19,252.58 182.58 11,455.56 77.59 7,796.87 1,414.14 16,444.44
75 160.17 12,012.75 42.29 2,683.72 117.87 9,328.88 25,216.28 | 260.17 19,512.75 183.43 11,638.99 76.74 7,873.61 1,455.27 16,261.01
76 160.17 12,172.92 42.49 2,726.21 117.68 9,446.56 25,173.79 | 260.17 19,772.92 184.28 11,823.27 75.88 7,949.50 1,497.06 16,076.73
77 160.17 12,333.09 42.69 2,768.90 117.48 9,564.04 25,131.10 | 260.17 20,033.09 185.14 12,008.42 75.02 8,024.52 1,539.52 15,891.58
78 160.17 12,493.26 42.89 2,811.79 117.28 9,681.32 25,088.21 | 260.17 20,293.26 186.01 12,194.43 74.16 8,098.68 1,582.63 15,705.57
79 160.17 12,653.43 43.09 2,854.88 117.08 9,798.39 25,045.12 | 260.17 20,553.43 186.88 12,381.30 73.29 8,171.97 1,626.42 15,518.70
80 160.17 12,813.60 43.29 2,898.17 116.88 9,915.27 25,001.83 | 260.17 20,813.60 187.75 12,569.05 72.42 8,244.39 1,670.88 15,330.95
81 160.17 12,973.77 43.49 2,941.66 116.68 10,031.95 24,958.34 | 260.17 21,073.77 188.62 12,757.67 71.54 8,315.94 1,716.01 15,142.33
82 160.17 13,133.94 43.70 2,985.36 116.47 10,148.42 24,914.64 | 260.17 21,333.94 189.50 12,947.18 70.66 8,386.60 1,761.82 14,952.82
83 160.17 13,294.11 43.90 3,029.26 116.27 10,264.69 24,870.74 | 260.17 21,594.11 190.39 13,137.56 69.78 8,456.38 1,808.30 14,762.44
84 160.17 13,454.28 44.10 3,073.36 116.06 10,380.75 24,826.64 | 260.17 21,854.28 191.28 13,328.84 68.89 8,525.27 1,855.48 14,571.16
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
85 160.17 13,614.45 44.31 3,117.68 115.86 10,496.61 24,782.32 | 260.17 22,114.45 192.17 13,521.01 68.00 8,593.27 1,903.33 14,378.99
86 160.17 13,774.62 44.52 3,162.19 115.65 10,612.26 24,737.81 | 260.17 22,374.62 193.07 13,714.08 67.10 8,660.38 1,951.88 14,185.92
87 160.17 13,934.79 44.72 3,206.92 115.44 10,727.70 24,693.08 | 260.17 22,634.79 193.97 13,908.04 66.20 8,726.58 2,001.13 13,991.96
88 160.17 14,094.96 44.93 3,251.85 115.23 10,842.94 24,648.15 | 260.17 22,894.96 194.87 14,102.92 65.30 8,791.87 2,051.06 13,797.08
89 160.17 14,255.13 45.14 3,296.99 115.02 10,957.96 24,603.01 | 260.17 23,155.13 195.78 14,298.70 64.39 8,856.26 2,101.70 13,601.30
90 160.17 14,415.30 45.35 3,342.35 114.81 11,072.78 24,557.65 | 260.17 23,415.30 196.70 14,495.39 63.47 8,919.73 2,153.04 13,404.61
91 160.17 14,575.47 45.57 3,387.91 114.60 11,187.38 24,512.09 | 260.17 23,675.47 197.61 14,693.01 62.55 8,982.29 2,205.09 13,206.99
92 160.17 14,735.64 45.78 3,433.69 114.39 11,301.77 24,466.31 | 260.17 23,935.64 198.54 14,891.54 61.63 9,043.92 2,257.85 13,008.46
93 160.17 14,895.81 45.99 3,479.68 114.18 11,415.94 24,420.32 | 260.17 24,195.81 199.46 15,091.00 60.71 9,104.62 2,311.32 12,809.00
94 160.17 15,055.98 46.21 3,525.89 113.96 11,529.90 24,374.11 | 260.17 24,455.98 200.39 15,291.40 59.78 9,164.40 2,365.50 12,608.60
95 160.17 15,216.15 46.42 3,572.31 113.75 11,643.65 24,327.69 | 260.17 24,716.15 201.33 15,492.72 58.84 9,223.24 2,420.41 12,407.28
96 160.17 15,376.32 46.64 3,618.95 113.53 11,757.18 24,281.05 | 260.17 24,976.32 202.27 15,694.99 57.90 9,281.14 2,476.04 12,205.01
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
97 160.17 15,536.49 46.86 3,665.81 113.31 11,870.49 24,234.19 | 260.17 25,236.49 203.21 15,898.20 56.96 9,338.10 2,532.39 12,001.80
98 160.17 15,696.66 47.08 3,712.88 113.09 11,983.58 24,187.12 | 260.17 25,496.66 204.16 16,102.36 56.01 9,394.11 2,589.48 11,797.64
99 160.17 15,856.83 47.29 3,760.18 112.87 12,096.46 24,139.82 | 260.17 25,756.83 205.11 16,307.47 55.06 9,449.16 2,647.30 11,592.53
100 160.17 16,017.00 47.52 3,807.69 112.65 12,209.11 24,092.31 | 260.17 26,017.00 206.07 16,513.54 54.10 9,503.26 2,705.85 11,386.46
101 160.17 16,177.17 47.74 3,855.43 112.43 12,321.54 24,044.57 | 260.17 26,277.17 207.03 16,720.57 53.14 9,556.40 2,765.14 11,179.43
102 160.17 16,337.34 47.96 3,903.39 112.21 12,433.75 23,996.61 | 260.17 26,537.34 208.00 16,928.57 52.17 9,608.57 2,825.18 10,971.43
103 160.17 16,497.51 48.18 3,951.57 111.98 12,545.73 23,948.43 | 260.17 26,797.51 208.97 17,137.54 51.20 9,659.77 2,885.97 10,762.46
104 160.17 16,657.68 48.41 3,999.98 111.76 12,657.49 23,900.02 | 260.17 27,057.68 209.94 17,347.48 50.22 9,709.99 2,947.50 10,552.52
105 160.17 16,817.85 48.63 4,048.62 111.53 12,769.03 23,851.38 | 260.17 27,317.85 210.92 17,558.41 49.25 9,759.24 3,009.79 10,341.59
106 160.17 16,978.02 48.86 4,097.48 111.31 12,880.33 23,802.52 | 260.17 27,578.02 211.91 17,770.31 48.26 9,807.50 3,072.83 10,129.69
107 160.17 17,138.19 49.09 4,146.57 111.08 12,991.41 23,753.43 | 260.17 27,838.19 212.90 17,983.21 47.27 9,854.77 3,136.64 9,916.79
108 160.17 17,298.36 49.32 4,195.89 110.85 13,102.26 23,704.11 | 260.17 28,098.36 213.89 18,197.10 46.28 9,901.05 3,201.21 9,702.90
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
109 160.17 17,458.53 49.55 4,245.44 110.62 13,212.88 23,654.56 | 260.17 28,358.53 214.89 18,411.99 45.28 9,946.33 3,266.55 9,488.01
110 160.17 17,618.70 49.78 4,295.22 110.39 13,323.27 23,604.78 | 260.17 28,618.70 215.89 18,627.88 44.28 9,990.61 3,332.66 9,272.12
111 160.17 17,778.87 50.01 4,345.23 110.16 13,433.42 23,554.77 | 260.17 28,878.87 216.90 18,844.78 43.27 10,033.88 3,399.55 9,055.22
112 160.17 17,939.04 50.25 4,395.48 109.92 13,543.34 23,504.52 | 260.17 29,139.04 217.91 19,062.69 42.26 10,076.13 3,467.21 8,837.31
113 160.17 18,099.21 50.48 4,445.96 109.69 13,653.03 23,454.04 | 260.17 29,399.21 218.93 19,281.61 41.24 10,117.37 3,535.66 8,618.39
114 160.17 18,259.38 50.72 4,496.67 109.45 13,762.48 23,403.33 | 260.17 29,659.38 219.95 19,501.56 40.22 10,157.59 3,604.89 8,398.44
115 160.17 18,419.55 50.95 4,547.62 109.22 13,871.70 23,352.38 | 260.17 29,919.55 220.98 19,722.54 39.19 10,196.79 3,674.91 8,177.46
116 160.17 18,579.72 51.19 4,598.81 108.98 13,980.68 23,301.19 | 260.17 30,179.72 222.01 19,944.54 38.16 10,234.95 3,745.73 7,955.46
117 160.17 18,739.89 51.43 4,650.24 108.74 14,089.42 23,249.76 | 260.17 30,439.89 223.04 20,167.59 37.13 10,272.07 3,817.34 7,732.41
118 160.17 18,900.06 51.67 4,701.91 108.50 14,197.92 23,198.09 | 260.17 30,700.06 224.08 20,391.67 36.08 10,308.16 3,889.76 7,508.33
119 160.17 19,060.23 51.91 4,753.82 108.26 14,306.17 23,146.18 | 260.17 30,960.23 225.13 20,616.80 35.04 10,343.20 3,962.98 7,283.20
120 160.17 19,220.40 52.15 4,805.98 108.02 14,414.19 23,094.02 | 260.17 31,220.40 226.18 20,842.98 33.99 10,377.18 4,037.00 7,057.02
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
121 160.17 19,380.57 52.40 4,858.37 107.77 14,521.96 23,041.63 | 260.17 31,480.57 227.24 21,070.21 32.93 10,410.12 4,111.84 6,829.79
122 160.17 19,540.74 52.64 4,911.01 107.53 14,629.49 22,988.99 | 260.17 31,740.74 228.30 21,298.51 31.87 10,441.99 4,187.50 6,601.49
123 160.17 19,700.91 52.89 4,963.90 107.28 14,736.77 22,936.10 | 260.17 32,000.91 229.36 21,527.87 30.81 10,472.80 4,263.97 6,372.13
124 160.17 19,861.08 53.13 5,017.03 107.04 14,843.81 22,882.97 | 260.17 32,261.08 230.43 21,758.30 29.74 10,502.53 4,341.27 6,141.70
125 160.17 20,021.25 53.38 5,070.41 106.79 14,950.59 22,829.59 | 260.17 32,521.25 231.51 21,989.81 28.66 10,531.19 4,419.40 5,910.19
126 160.17 20,181.42 53.63 5,124.04 106.54 15,057.13 22,775.96 | 260.17 32,781.42 232.59 22,222.40 27.58 10,558.78 4,498.36 5,677.60
127 160.17 20,341.59 53.88 5,177.92 106.29 15,163.42 22,722.08 | 260.17 33,041.59 233.67 22,456.07 26.50 10,585.27 4,578.15 5,443.93
128 160.17 20,501.76 54.13 5,232.05 106.04 15,269.46 22,667.95 | 260.17 33,301.76 234.76 22,690.83 25.41 10,610.68 4,658.78 5,209.17
129 160.17 20,661.93 54.38 5,286.44 105.78 15,375.24 22,613.56 | 260.17 33,561.93 235.86 22,926.69 24.31 10,634.99 4,740.25 4,973.31
130 160.17 20,822.10 54.64 5,341.08 105.53 15,480.77 22,558.92 | 260.17 33,822.10 236.96 23,163.65 23.21 10,658.19 4,822.57 4,736.35
131 160.17 20,982.27 54.89 5,395.97 105.27 15,586.04 22,504.03 | 260.17 34,082.27 238.07 23,401.72 22.10 10,680.30 4,905.75 4,498.28
132 160.17 21,142.44 55.15 5,451.12 105.02 15,691.06 22,448.88 | 260.17 34,342.44 239.18 23,640.89 20.99 10,701.29 4,989.77 4,259.11
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
133 160.17 21,302.61 55.41 5,506.52 104.76 15,795.82 22,393.48 | 260.17 34,602.61 240.29 23,881.18 19.88 10,721.17 5,074.66 4,018.82
134 160.17 21,462.78 55.67 5,562.19 104.50 15,900.33 22,337.81 | 260.17 34,862.78 241.41 24,122.60 18.75 10,739.92 5,160.41 3,777.40
135 160.17 21,622.95 55.92 5,618.11 104.24 16,004.57 22,281.89 | 260.17 35,122.95 242.54 24,365.14 17.63 10,757.55 5,247.02 3,534.86
136 160.17 21,783.12 56.19 5,674.30 103.98 16,108.55 22,225.70 | 260.17 35,383.12 243.67 24,608.81 16.50 10,774.04 5,334.51 3,291.19
137 160.17 21,943.29 56.45 5,730.75 103.72 16,212.27 22,169.25 | 260.17 35,643.29 244.81 24,853.62 15.36 10,789.40 5,422.87 3,046.38
138 160.17 22,103.46 56.71 5,787.46 103.46 16,315.73 22,112.54 | 260.17 35,903.46 245.95 25,099.57 14.22 10,803.62 5,512.11 2,800.43
139 160.17 22,263.63 56.98 5,844.44 103.19 16,418.92 22,055.56 | 260.17 36,163.63 247.10 25,346.67 13.07 10,816.69 5,602.23 2,553.33
140 160.17 22,423.80 57.24 5,901.68 102.93 16,521.85 21,998.32 | 260.17 36,423.80 248.25 25,594.92 11.92 10,828.60 5,693.24 2,305.08
141 160.17 22,583.97 57.51 5,959.19 102.66 16,624.51 21,940.81 | 260.17 36,683.97 249.41 25,844.33 10.76 10,839.36 5,785.15 2,055.67
142 160.17 22,744.14 57.78 6,016.97 102.39 16,726.90 21,883.03 | 260.17 36,944.14 250.57 26,094.91 9.59 10,848.95 5,877.94 1,805.09
143 160.17 22,904.31 58.05 6,075.01 102.12 16,829.02 21,824.99 | 260.17 37,204.31 251.74 26,346.65 8.42 10,857.38 5,971.64 1,553.35
144 160.17 23,064.48 58.32 6,133.33 101.85 16,930.87 21,766.67 | 260.17 37,464.48 252.92 26,599.57 7.25 10,864.63 6,066.24 1,300.43
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
145 160.17 23,224.65 58.59 6,191.92 101.58 17,032.44 21,708.08 | 260.17 37,724.65 254.10 26,853.67 6.07 10,870.69 6,161.75 1,046.33
146 160.17 23,384.82 58.86 6,250.78 101.30 17,133.75 21,649.22 | 260.17 37,984.82 255.29 27,108.96 4.88 10,875.58 6,258.17 791.04
147 160.17 23,544.99 59.14 6,309.92 101.03 17,234.78 21,590.08 | 260.17 38,244.99 256.48 27,365.43 3.69 10,879.27 6,355.51 534.57
148 160.17 23,705.16 59.41 6,369.34 100.75 17,335.53 21,530.66 | 260.17 38,505.16 257.67 27,623.11 2.49 10,881.76 6,453.77 276.89
149 160.17 23,865.33 59.69 6,429.03 100.48 17,436.01 21,470.97 | 260.17 38,765.33 258.88 27,881.98 1.29 10,883.06 6,552.95 18.02
150 160.17 24,025.50 59.97 6,489.00 100.20 17,536.21 21,411.00 | 18.10 38,783.43 18.02 28,142.07 0.08 10,883.14 6,653.07 0.00

Loan Paid off in Year 12.

Total Interest Based on 30 Year Loan with No Extra Payment $29,760.49.

Total Interest Saved with Pre-Payment is $18,877.35