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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: $3,500

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
1 201.18 201.18 27.93 27.93 173.25 173.25 31,472.07 | 301.18 301.18 127.93 127.93 173.25 173.25 0.00 31,372.07
2 201.18 402.36 28.08 56.01 173.10 346.35 31,443.99 | 301.18 602.36 128.63 256.56 172.55 345.80 0.55 31,243.44
3 201.18 603.54 28.24 84.24 172.94 519.29 31,415.76 | 301.18 903.54 129.34 385.90 171.84 517.64 1.65 31,114.10
4 201.18 804.72 28.39 112.64 172.79 692.08 31,387.36 | 301.18 1,204.72 130.05 515.95 171.13 688.76 3.31 30,984.05
5 201.18 1,005.90 28.55 141.18 172.63 864.71 31,358.82 | 301.18 1,505.90 130.77 646.71 170.41 859.18 5.53 30,853.29
6 201.18 1,207.08 28.70 169.89 172.47 1,037.18 31,330.11 | 301.18 1,807.08 131.48 778.20 169.69 1,028.87 8.31 30,721.80
7 201.18 1,408.26 28.86 198.75 172.32 1,209.49 31,301.25 | 301.18 2,108.26 132.21 910.40 168.97 1,197.84 11.66 30,589.60
8 201.18 1,609.44 29.02 227.77 172.16 1,381.65 31,272.23 | 301.18 2,409.44 132.93 1,043.34 168.24 1,366.08 15.57 30,456.66
9 201.18 1,810.62 29.18 256.95 172.00 1,553.65 31,243.05 | 301.18 2,710.62 133.67 1,177.01 167.51 1,533.59 20.06 30,322.99
10 201.18 2,011.80 29.34 286.29 171.84 1,725.49 31,213.71 | 301.18 3,011.80 134.40 1,311.41 166.78 1,700.37 25.12 30,188.59
11 201.18 2,212.98 29.50 315.79 171.68 1,897.16 31,184.21 | 301.18 3,312.98 135.14 1,446.55 166.04 1,866.41 30.75 30,053.45
12 201.18 2,414.16 29.66 345.46 171.51 2,068.67 31,154.54 | 301.18 3,614.16 135.88 1,582.43 165.29 2,031.70 36.97 29,917.57
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
13 201.18 2,615.34 29.83 375.28 171.35 2,240.02 31,124.72 | 301.18 3,915.34 136.63 1,719.06 164.55 2,196.25 43.78 29,780.94
14 201.18 2,816.52 29.99 405.28 171.19 2,411.21 31,094.72 | 301.18 4,216.52 137.38 1,856.44 163.80 2,360.04 51.17 29,643.56
15 201.18 3,017.70 30.16 435.43 171.02 2,582.23 31,064.57 | 301.18 4,517.70 138.14 1,994.58 163.04 2,523.08 59.15 29,505.42
16 201.18 3,218.88 30.32 465.75 170.86 2,753.09 31,034.25 | 301.18 4,818.88 138.90 2,133.48 162.28 2,685.36 67.72 29,366.52
17 201.18 3,420.06 30.49 496.24 170.69 2,923.77 31,003.76 | 301.18 5,120.06 139.66 2,273.14 161.52 2,846.88 76.90 29,226.86
18 201.18 3,621.24 30.66 526.90 170.52 3,094.30 30,973.10 | 301.18 5,421.24 140.43 2,413.57 160.75 3,007.63 86.67 29,086.43
19 201.18 3,822.42 30.83 557.73 170.35 3,264.65 30,942.27 | 301.18 5,722.42 141.20 2,554.77 159.98 3,167.60 97.05 28,945.23
20 201.18 4,023.60 31.00 588.72 170.18 3,434.83 30,911.28 | 301.18 6,023.60 141.98 2,696.75 159.20 3,326.80 108.03 28,803.25
21 201.18 4,224.78 31.17 619.89 170.01 3,604.84 30,880.11 | 301.18 6,324.78 142.76 2,839.51 158.42 3,485.22 119.62 28,660.49
22 201.18 4,425.96 31.34 651.22 169.84 3,774.68 30,848.78 | 301.18 6,625.96 143.54 2,983.06 157.63 3,642.85 131.83 28,516.94
23 201.18 4,627.14 31.51 682.73 169.67 3,944.35 30,817.27 | 301.18 6,927.14 144.33 3,127.39 156.84 3,799.69 144.66 28,372.61
24 201.18 4,828.32 31.68 714.42 169.49 4,113.85 30,785.58 | 301.18 7,228.32 145.13 3,272.52 156.05 3,955.74 158.10 28,227.48
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
25 201.18 5,029.50 31.86 746.27 169.32 4,283.17 30,753.73 | 301.18 7,529.50 145.93 3,418.44 155.25 4,110.99 172.17 28,081.56
26 201.18 5,230.68 32.03 778.30 169.15 4,452.31 30,721.70 | 301.18 7,830.68 146.73 3,565.17 154.45 4,265.44 186.87 27,934.83
27 201.18 5,431.86 32.21 810.51 168.97 4,621.28 30,689.49 | 301.18 8,131.86 147.54 3,712.71 153.64 4,419.08 202.20 27,787.29
28 201.18 5,633.04 32.39 842.90 168.79 4,790.07 30,657.10 | 301.18 8,433.04 148.35 3,861.06 152.83 4,571.91 218.16 27,638.94
29 201.18 5,834.22 32.56 875.46 168.61 4,958.69 30,624.54 | 301.18 8,734.22 149.16 4,010.22 152.01 4,723.93 234.76 27,489.78
30 201.18 6,035.40 32.74 908.20 168.43 5,127.12 30,591.80 | 301.18 9,035.40 149.98 4,160.20 151.19 4,875.12 252.00 27,339.80
31 201.18 6,236.58 32.92 941.13 168.25 5,295.38 30,558.87 | 301.18 9,336.58 150.81 4,311.01 150.37 5,025.49 269.89 27,188.99
32 201.18 6,437.76 33.10 974.23 168.07 5,463.45 30,525.77 | 301.18 9,637.76 151.64 4,462.65 149.54 5,175.03 288.42 27,037.35
33 201.18 6,638.94 33.29 1,007.52 167.89 5,631.34 30,492.48 | 301.18 9,938.94 152.47 4,615.12 148.71 5,323.74 307.61 26,884.88
34 201.18 6,840.12 33.47 1,040.98 167.71 5,799.05 30,459.02 | 301.18 10,240.12 153.31 4,768.43 147.87 5,471.60 327.45 26,731.57
35 201.18 7,041.30 33.65 1,074.64 167.52 5,966.58 30,425.36 | 301.18 10,541.30 154.15 4,922.59 147.02 5,618.63 347.95 26,577.41
36 201.18 7,242.48 33.84 1,108.48 167.34 6,133.92 30,391.52 | 301.18 10,842.48 155.00 5,077.59 146.18 5,764.80 369.11 26,422.41
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
37 201.18 7,443.66 34.02 1,142.50 167.15 6,301.07 30,357.50 | 301.18 11,143.66 155.85 5,233.44 145.32 5,910.12 390.94 26,266.56
38 201.18 7,644.84 34.21 1,176.71 166.97 6,468.04 30,323.29 | 301.18 11,444.84 156.71 5,390.16 144.47 6,054.59 413.44 26,109.84
39 201.18 7,846.02 34.40 1,211.11 166.78 6,634.81 30,288.89 | 301.18 11,746.02 157.57 5,547.73 143.60 6,198.20 436.62 25,952.27
40 201.18 8,047.20 34.59 1,245.70 166.59 6,801.40 30,254.30 | 301.18 12,047.20 158.44 5,706.17 142.74 6,340.93 460.47 25,793.83
41 201.18 8,248.38 34.78 1,280.48 166.40 6,967.80 30,219.52 | 301.18 12,348.38 159.31 5,865.48 141.87 6,482.80 485.00 25,634.52
42 201.18 8,449.56 34.97 1,315.45 166.21 7,134.01 30,184.55 | 301.18 12,649.56 160.19 6,025.67 140.99 6,623.79 510.22 25,474.33
43 201.18 8,650.74 35.16 1,350.61 166.02 7,300.02 30,149.39 | 301.18 12,950.74 161.07 6,186.74 140.11 6,763.90 536.13 25,313.26
44 201.18 8,851.92 35.36 1,385.97 165.82 7,465.84 30,114.03 | 301.18 13,251.92 161.95 6,348.69 139.22 6,903.12 562.72 25,151.31
45 201.18 9,053.10 35.55 1,421.52 165.63 7,631.47 30,078.48 | 301.18 13,553.10 162.85 6,511.54 138.33 7,041.45 590.02 24,988.46
46 201.18 9,254.28 35.75 1,457.26 165.43 7,796.90 30,042.74 | 301.18 13,854.28 163.74 6,675.28 137.44 7,178.89 618.01 24,824.72
47 201.18 9,455.46 35.94 1,493.20 165.24 7,962.14 30,006.80 | 301.18 14,155.46 164.64 6,839.92 136.54 7,315.42 646.71 24,660.08
48 201.18 9,656.64 36.14 1,529.35 165.04 8,127.18 29,970.65 | 301.18 14,456.64 165.55 7,005.47 135.63 7,451.06 676.12 24,494.53
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
49 201.18 9,857.82 36.34 1,565.68 164.84 8,292.01 29,934.32 | 301.18 14,757.82 166.46 7,171.92 134.72 7,585.78 706.24 24,328.08
50 201.18 10,059.00 36.54 1,602.22 164.64 8,456.65 29,897.78 | 301.18 15,059.00 167.37 7,339.30 133.80 7,719.58 737.07 24,160.70
51 201.18 10,260.18 36.74 1,638.96 164.44 8,621.09 29,861.04 | 301.18 15,360.18 168.29 7,507.59 132.88 7,852.46 768.63 23,992.41
52 201.18 10,461.36 36.94 1,675.90 164.24 8,785.33 29,824.10 | 301.18 15,661.36 169.22 7,676.81 131.96 7,984.42 800.91 23,823.19
53 201.18 10,662.54 37.15 1,713.05 164.03 8,949.36 29,786.95 | 301.18 15,962.54 170.15 7,846.96 131.03 8,115.45 833.91 23,653.04
54 201.18 10,863.72 37.35 1,750.40 163.83 9,113.19 29,749.60 | 301.18 16,263.72 171.09 8,018.05 130.09 8,245.54 867.65 23,481.95
55 201.18 11,064.90 37.55 1,787.95 163.62 9,276.81 29,712.05 | 301.18 16,564.90 172.03 8,190.07 129.15 8,374.69 902.12 23,309.93
56 201.18 11,266.08 37.76 1,825.71 163.42 9,440.23 29,674.29 | 301.18 16,866.08 172.97 8,363.05 128.20 8,502.90 937.33 23,136.95
57 201.18 11,467.26 37.97 1,863.68 163.21 9,603.44 29,636.32 | 301.18 17,167.26 173.92 8,536.97 127.25 8,630.15 973.29 22,963.03
58 201.18 11,668.44 38.18 1,901.86 163.00 9,766.44 29,598.14 | 301.18 17,468.44 174.88 8,711.85 126.30 8,756.45 1,009.99 22,788.15
59 201.18 11,869.62 38.39 1,940.25 162.79 9,929.22 29,559.75 | 301.18 17,769.62 175.84 8,887.69 125.33 8,881.78 1,047.44 22,612.31
60 201.18 12,070.80 38.60 1,978.85 162.58 10,091.80 29,521.15 | 301.18 18,070.80 176.81 9,064.50 124.37 9,006.15 1,085.65 22,435.50
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
61 201.18 12,271.98 38.81 2,017.66 162.37 10,254.17 29,482.34 | 301.18 18,371.98 177.78 9,242.29 123.40 9,129.54 1,124.63 22,257.71
62 201.18 12,473.16 39.02 2,056.68 162.15 10,416.32 29,443.32 | 301.18 18,673.16 178.76 9,421.05 122.42 9,251.96 1,164.36 22,078.95
63 201.18 12,674.34 39.24 2,095.92 161.94 10,578.26 29,404.08 | 301.18 18,974.34 179.74 9,600.79 121.43 9,373.40 1,204.87 21,899.21
64 201.18 12,875.52 39.46 2,135.38 161.72 10,739.98 29,364.62 | 301.18 19,275.52 180.73 9,781.52 120.45 9,493.84 1,246.14 21,718.48
65 201.18 13,076.70 39.67 2,175.05 161.51 10,901.49 29,324.95 | 301.18 19,576.70 181.73 9,963.25 119.45 9,613.29 1,288.20 21,536.75
66 201.18 13,277.88 39.89 2,214.94 161.29 11,062.78 29,285.06 | 301.18 19,877.88 182.73 10,145.97 118.45 9,731.75 1,331.03 21,354.03
67 201.18 13,479.06 40.11 2,255.05 161.07 11,223.84 29,244.95 | 301.18 20,179.06 183.73 10,329.70 117.45 9,849.19 1,374.65 21,170.30
68 201.18 13,680.24 40.33 2,295.38 160.85 11,384.69 29,204.62 | 301.18 20,480.24 184.74 10,514.44 116.44 9,965.63 1,419.06 20,985.56
69 201.18 13,881.42 40.55 2,335.93 160.63 11,545.32 29,164.07 | 301.18 20,781.42 185.76 10,700.20 115.42 10,081.05 1,464.27 20,799.80
70 201.18 14,082.60 40.78 2,376.71 160.40 11,705.72 29,123.29 | 301.18 21,082.60 186.78 10,886.98 114.40 10,195.45 1,510.27 20,613.02
71 201.18 14,283.78 41.00 2,417.71 160.18 11,865.90 29,082.29 | 301.18 21,383.78 187.81 11,074.78 113.37 10,308.82 1,557.08 20,425.22
72 201.18 14,484.96 41.22 2,458.93 159.95 12,025.85 29,041.07 | 301.18 21,684.96 188.84 11,263.62 112.34 10,421.16 1,604.69 20,236.38
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
73 201.18 14,686.14 41.45 2,500.38 159.73 12,185.58 28,999.62 | 301.18 21,986.14 189.88 11,453.50 111.30 10,532.46 1,653.12 20,046.50
74 201.18 14,887.32 41.68 2,542.06 159.50 12,345.07 28,957.94 | 301.18 22,287.32 190.92 11,644.42 110.26 10,642.71 1,702.36 19,855.58
75 201.18 15,088.50 41.91 2,583.97 159.27 12,504.34 28,916.03 | 301.18 22,588.50 191.97 11,836.39 109.21 10,751.92 1,752.42 19,663.61
76 201.18 15,289.68 42.14 2,626.11 159.04 12,663.38 28,873.89 | 301.18 22,889.68 193.03 12,029.42 108.15 10,860.07 1,803.31 19,470.58
77 201.18 15,490.86 42.37 2,668.48 158.81 12,822.19 28,831.52 | 301.18 23,190.86 194.09 12,223.51 107.09 10,967.16 1,855.03 19,276.49
78 201.18 15,692.04 42.60 2,711.09 158.57 12,980.76 28,788.91 | 301.18 23,492.04 195.16 12,418.67 106.02 11,073.18 1,907.58 19,081.33
79 201.18 15,893.22 42.84 2,753.93 158.34 13,139.10 28,746.07 | 301.18 23,793.22 196.23 12,614.90 104.95 11,178.13 1,960.97 18,885.10
80 201.18 16,094.40 43.07 2,797.00 158.10 13,297.20 28,703.00 | 301.18 24,094.40 197.31 12,812.21 103.87 11,281.99 2,015.21 18,687.79
81 201.18 16,295.58 43.31 2,840.31 157.87 13,455.07 28,659.69 | 301.18 24,395.58 198.39 13,010.60 102.78 11,384.78 2,070.29 18,489.40
82 201.18 16,496.76 43.55 2,883.86 157.63 13,612.70 28,616.14 | 301.18 24,696.76 199.49 13,210.09 101.69 11,486.47 2,126.23 18,289.91
83 201.18 16,697.94 43.79 2,927.65 157.39 13,770.09 28,572.35 | 301.18 24,997.94 200.58 13,410.67 100.59 11,587.06 2,183.02 18,089.33
84 201.18 16,899.12 44.03 2,971.68 157.15 13,927.23 28,528.32 | 301.18 25,299.12 201.69 13,612.36 99.49 11,686.55 2,240.68 17,887.64
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
85 201.18 17,100.30 44.27 3,015.95 156.91 14,084.14 28,484.05 | 301.18 25,600.30 202.80 13,815.15 98.38 11,784.94 2,299.20 17,684.85
86 201.18 17,301.48 44.52 3,060.47 156.66 14,240.80 28,439.53 | 301.18 25,901.48 203.91 14,019.06 97.27 11,882.20 2,358.60 17,480.94
87 201.18 17,502.66 44.76 3,105.23 156.42 14,397.22 28,394.77 | 301.18 26,202.66 205.03 14,224.10 96.15 11,978.35 2,418.87 17,275.90
88 201.18 17,703.84 45.01 3,150.23 156.17 14,553.39 28,349.77 | 301.18 26,503.84 206.16 14,430.26 95.02 12,073.37 2,480.02 17,069.74
89 201.18 17,905.02 45.25 3,195.49 155.92 14,709.31 28,304.51 | 301.18 26,805.02 207.29 14,637.55 93.88 12,167.25 2,542.06 16,862.45
90 201.18 18,106.20 45.50 3,240.99 155.67 14,864.99 28,259.01 | 301.18 27,106.20 208.43 14,845.98 92.74 12,259.99 2,605.00 16,654.02
91 201.18 18,307.38 45.75 3,286.74 155.42 15,020.41 28,213.26 | 301.18 27,407.38 209.58 15,055.56 91.60 12,351.59 2,668.82 16,444.44
92 201.18 18,508.56 46.00 3,332.75 155.17 15,175.59 28,167.25 | 301.18 27,708.56 210.73 15,266.30 90.44 12,442.03 2,733.55 16,233.70
93 201.18 18,709.74 46.26 3,379.00 154.92 15,330.51 28,121.00 | 301.18 28,009.74 211.89 15,478.19 89.29 12,531.32 2,799.19 16,021.81
94 201.18 18,910.92 46.51 3,425.52 154.67 15,485.17 28,074.48 | 301.18 28,310.92 213.06 15,691.25 88.12 12,619.44 2,865.73 15,808.75
95 201.18 19,112.10 46.77 3,472.28 154.41 15,639.58 28,027.72 | 301.18 28,612.10 214.23 15,905.48 86.95 12,706.39 2,933.19 15,594.52
96 201.18 19,313.28 47.03 3,519.31 154.15 15,793.73 27,980.69 | 301.18 28,913.28 215.41 16,120.88 85.77 12,792.16 3,001.58 15,379.12
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
97 201.18 19,514.46 47.28 3,566.59 153.89 15,947.63 27,933.41 | 301.18 29,214.46 216.59 16,337.48 84.59 12,876.74 3,070.88 15,162.52
98 201.18 19,715.64 47.54 3,614.14 153.63 16,101.26 27,885.86 | 301.18 29,515.64 217.78 16,555.26 83.39 12,960.14 3,141.12 14,944.74
99 201.18 19,916.82 47.81 3,661.94 153.37 16,254.63 27,838.06 | 301.18 29,816.82 218.98 16,774.24 82.20 13,042.33 3,212.30 14,725.76
100 201.18 20,118.00 48.07 3,710.01 153.11 16,407.74 27,789.99 | 301.18 30,118.00 220.19 16,994.43 80.99 13,123.32 3,284.42 14,505.57
101 201.18 20,319.18 48.33 3,758.34 152.84 16,560.59 27,741.66 | 301.18 30,419.18 221.40 17,215.82 79.78 13,203.11 3,357.48 14,284.18
102 201.18 20,520.36 48.60 3,806.94 152.58 16,713.17 27,693.06 | 301.18 30,720.36 222.61 17,438.44 78.56 13,281.67 3,431.50 14,061.56
103 201.18 20,721.54 48.87 3,855.81 152.31 16,865.48 27,644.19 | 301.18 31,021.54 223.84 17,662.28 77.34 13,359.01 3,506.47 13,837.72
104 201.18 20,922.72 49.13 3,904.94 152.04 17,017.52 27,595.06 | 301.18 31,322.72 225.07 17,887.35 76.11 13,435.11 3,582.41 13,612.65
105 201.18 21,123.90 49.40 3,954.35 151.77 17,169.29 27,545.65 | 301.18 31,623.90 226.31 18,113.66 74.87 13,509.98 3,659.31 13,386.34
106 201.18 21,325.08 49.68 4,004.02 151.50 17,320.80 27,495.98 | 301.18 31,925.08 227.55 18,341.21 73.62 13,583.61 3,737.19 13,158.79
107 201.18 21,526.26 49.95 4,053.97 151.23 17,472.02 27,446.03 | 301.18 32,226.26 228.80 18,570.01 72.37 13,655.98 3,816.04 12,929.99
108 201.18 21,727.44 50.22 4,104.20 150.95 17,622.98 27,395.80 | 301.18 32,527.44 230.06 18,800.08 71.11 13,727.10 3,895.88 12,699.92
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
109 201.18 21,928.62 50.50 4,154.70 150.68 17,773.65 27,345.30 | 301.18 32,828.62 231.33 19,031.40 69.85 13,796.95 3,976.71 12,468.60
110 201.18 22,129.80 50.78 4,205.47 150.40 17,924.05 27,294.53 | 301.18 33,129.80 232.60 19,264.00 68.58 13,865.52 4,058.53 12,236.00
111 201.18 22,330.98 51.06 4,256.53 150.12 18,074.17 27,243.47 | 301.18 33,430.98 233.88 19,497.88 67.30 13,932.82 4,141.35 12,002.12
112 201.18 22,532.16 51.34 4,307.87 149.84 18,224.01 27,192.13 | 301.18 33,732.16 235.17 19,733.05 66.01 13,998.83 4,225.18 11,766.95
113 201.18 22,733.34 51.62 4,359.49 149.56 18,373.57 27,140.51 | 301.18 34,033.34 236.46 19,969.51 64.72 14,063.55 4,310.02 11,530.49
114 201.18 22,934.52 51.90 4,411.40 149.27 18,522.84 27,088.60 | 301.18 34,334.52 237.76 20,207.27 63.42 14,126.97 4,395.87 11,292.73
115 201.18 23,135.70 52.19 4,463.59 148.99 18,671.83 27,036.41 | 301.18 34,635.70 239.07 20,446.34 62.11 14,189.08 4,482.75 11,053.66
116 201.18 23,336.88 52.48 4,516.06 148.70 18,820.53 26,983.94 | 301.18 34,936.88 240.38 20,686.72 60.80 14,249.87 4,570.65 10,813.28
117 201.18 23,538.06 52.77 4,568.83 148.41 18,968.94 26,931.17 | 301.18 35,238.06 241.70 20,928.42 59.47 14,309.35 4,659.59 10,571.58
118 201.18 23,739.24 53.06 4,621.89 148.12 19,117.06 26,878.11 | 301.18 35,539.24 243.03 21,171.46 58.14 14,367.49 4,749.57 10,328.54
119 201.18 23,940.42 53.35 4,675.23 147.83 19,264.89 26,824.77 | 301.18 35,840.42 244.37 21,415.83 56.81 14,424.30 4,840.59 10,084.17
120 201.18 24,141.60 53.64 4,728.88 147.54 19,412.43 26,771.12 | 301.18 36,141.60 245.71 21,661.54 55.46 14,479.76 4,932.67 9,838.46
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
121 201.18 24,342.78 53.94 4,782.81 147.24 19,559.67 26,717.19 | 301.18 36,442.78 247.07 21,908.61 54.11 14,533.87 5,025.80 9,591.39
122 201.18 24,543.96 54.23 4,837.04 146.94 19,706.61 26,662.96 | 301.18 36,743.96 248.42 22,157.03 52.75 14,586.63 5,119.99 9,342.97
123 201.18 24,745.14 54.53 4,891.58 146.65 19,853.26 26,608.42 | 301.18 37,045.14 249.79 22,406.82 51.39 14,638.01 5,215.25 9,093.18
124 201.18 24,946.32 54.83 4,946.41 146.35 19,999.61 26,553.59 | 301.18 37,346.32 251.17 22,657.99 50.01 14,688.02 5,311.58 8,842.01
125 201.18 25,147.50 55.13 5,001.54 146.04 20,145.65 26,498.46 | 301.18 37,647.50 252.55 22,910.54 48.63 14,736.66 5,409.00 8,589.46
126 201.18 25,348.68 55.44 5,056.98 145.74 20,291.39 26,443.02 | 301.18 37,948.68 253.94 23,164.47 47.24 14,783.90 5,507.50 8,335.53
127 201.18 25,549.86 55.74 5,112.72 145.44 20,436.83 26,387.28 | 301.18 38,249.86 255.33 23,419.80 45.85 14,829.74 5,607.09 8,080.20
128 201.18 25,751.04 56.05 5,168.76 145.13 20,581.96 26,331.24 | 301.18 38,551.04 256.74 23,676.54 44.44 14,874.18 5,707.78 7,823.46
129 201.18 25,952.22 56.36 5,225.12 144.82 20,726.78 26,274.88 | 301.18 38,852.22 258.15 23,934.69 43.03 14,917.21 5,809.57 7,565.31
130 201.18 26,153.40 56.67 5,281.79 144.51 20,871.29 26,218.21 | 301.18 39,153.40 259.57 24,194.26 41.61 14,958.82 5,912.47 7,305.74
131 201.18 26,354.58 56.98 5,338.76 144.20 21,015.49 26,161.24 | 301.18 39,454.58 261.00 24,455.25 40.18 14,999.00 6,016.49 7,044.75
132 201.18 26,555.76 57.29 5,396.05 143.89 21,159.38 26,103.95 | 301.18 39,755.76 262.43 24,717.68 38.75 15,037.75 6,121.63 6,782.32
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
133 201.18 26,756.94 57.61 5,453.66 143.57 21,302.95 26,046.34 | 301.18 40,056.94 263.87 24,981.56 37.30 15,075.05 6,227.90 6,518.44
134 201.18 26,958.12 57.92 5,511.58 143.25 21,446.21 25,988.42 | 301.18 40,358.12 265.33 25,246.88 35.85 15,110.90 6,335.30 6,253.12
135 201.18 27,159.30 58.24 5,569.82 142.94 21,589.14 25,930.18 | 301.18 40,659.30 266.79 25,513.67 34.39 15,145.30 6,443.85 5,986.33
136 201.18 27,360.48 58.56 5,628.38 142.62 21,731.76 25,871.62 | 301.18 40,960.48 268.25 25,781.92 32.92 15,178.22 6,553.54 5,718.08
137 201.18 27,561.66 58.88 5,687.27 142.29 21,874.05 25,812.73 | 301.18 41,261.66 269.73 26,051.65 31.45 15,209.67 6,664.38 5,448.35
138 201.18 27,762.84 59.21 5,746.48 141.97 22,016.02 25,753.52 | 301.18 41,562.84 271.21 26,322.86 29.97 15,239.64 6,776.39 5,177.14
139 201.18 27,964.02 59.53 5,806.01 141.64 22,157.67 25,693.99 | 301.18 41,864.02 272.70 26,595.57 28.47 15,268.11 6,889.56 4,904.43
140 201.18 28,165.20 59.86 5,865.87 141.32 22,298.98 25,634.13 | 301.18 42,165.20 274.20 26,869.77 26.97 15,295.09 7,003.90 4,630.23
141 201.18 28,366.38 60.19 5,926.06 140.99 22,439.97 25,573.94 | 301.18 42,466.38 275.71 27,145.48 25.47 15,320.55 7,119.42 4,354.52
142 201.18 28,567.56 60.52 5,986.58 140.66 22,580.63 25,513.42 | 301.18 42,767.56 277.23 27,422.71 23.95 15,344.50 7,236.13 4,077.29
143 201.18 28,768.74 60.85 6,047.43 140.32 22,720.95 25,452.57 | 301.18 43,068.74 278.75 27,701.46 22.43 15,366.93 7,354.03 3,798.54
144 201.18 28,969.92 61.19 6,108.62 139.99 22,860.94 25,391.38 | 301.18 43,369.92 280.29 27,981.75 20.89 15,387.82 7,473.12 3,518.25
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
145 201.18 29,171.10 61.52 6,170.15 139.65 23,000.59 25,329.85 | 301.18 43,671.10 281.83 28,263.57 19.35 15,407.17 7,593.43 3,236.43
146 201.18 29,372.28 61.86 6,232.01 139.31 23,139.91 25,267.99 | 301.18 43,972.28 283.38 28,546.95 17.80 15,424.97 7,714.94 2,953.05
147 201.18 29,573.46 62.20 6,294.21 138.97 23,278.88 25,205.79 | 301.18 44,273.46 284.94 28,831.89 16.24 15,441.21 7,837.67 2,668.11
148 201.18 29,774.64 62.55 6,356.76 138.63 23,417.51 25,143.24 | 301.18 44,574.64 286.50 29,118.39 14.67 15,455.89 7,961.63 2,381.61
149 201.18 29,975.82 62.89 6,419.65 138.29 23,555.80 25,080.35 | 301.18 44,875.82 288.08 29,406.47 13.10 15,468.98 8,086.82 2,093.53
150 201.18 30,177.00 63.24 6,482.89 137.94 23,693.74 25,017.11 | 301.18 45,177.00 289.66 29,696.13 11.51 15,480.50 8,213.25 1,803.87
151 201.18 30,378.18 63.58 6,546.47 137.59 23,831.34 24,953.53 | 301.18 45,478.18 291.26 29,987.39 9.92 15,490.42 8,340.92 1,512.61
152 201.18 30,579.36 63.93 6,610.40 137.24 23,968.58 24,889.60 | 301.18 45,779.36 292.86 30,280.24 8.32 15,498.74 8,469.84 1,219.76
153 201.18 30,780.54 64.28 6,674.69 136.89 24,105.48 24,825.31 | 301.18 46,080.54 294.47 30,574.71 6.71 15,505.45 8,600.03 925.29
154 201.18 30,981.72 64.64 6,739.32 136.54 24,242.01 24,760.68 | 301.18 46,381.72 296.09 30,870.80 5.09 15,510.54 8,731.48 629.20
155 201.18 31,182.90 64.99 6,804.32 136.18 24,378.20 24,695.68 | 301.18 46,682.90 297.72 31,168.52 3.46 15,514.00 8,864.20 331.48
156 201.18 31,384.08 65.35 6,869.67 135.83 24,514.02 24,630.33 | 301.18 46,984.08 299.35 31,467.87 1.82 15,515.82 8,998.20 32.13
Year 13 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
157 201.18 31,585.26 65.71 6,935.38 135.47 24,649.49 24,564.62 | 32.30 47,016.38 32.13 31,768.87 0.18 15,516.00 9,133.49 0.00

Loan Paid off in Year 13.

Total Interest Based on 30 Year Loan with No Extra Payment $40,923.91.

Total Interest Saved with Pre-Payment is $25,407.91