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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: $3,700

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
1 142.38 142.38 56.07 56.07 86.30 86.30 33,243.93 | 242.38 242.38 156.07 156.07 86.30 86.30 0.00 33,143.93
2 142.38 284.76 56.22 112.30 86.16 172.46 33,187.70 | 242.38 484.76 156.48 312.55 85.90 172.20 0.26 32,987.45
3 142.38 427.14 56.37 168.66 86.01 258.47 33,131.34 | 242.38 727.14 156.88 469.44 85.49 257.69 0.78 32,830.56
4 142.38 569.52 56.51 225.17 85.87 344.34 33,074.83 | 242.38 969.52 157.29 626.73 85.09 342.78 1.56 32,673.27
5 142.38 711.90 56.66 281.83 85.72 430.06 33,018.17 | 242.38 1,211.90 157.70 784.43 84.68 427.46 2.60 32,515.57
6 142.38 854.28 56.81 338.64 85.57 515.63 32,961.36 | 242.38 1,454.28 158.11 942.54 84.27 511.73 3.90 32,357.46
7 142.38 996.66 56.95 395.59 85.42 601.05 32,904.41 | 242.38 1,696.66 158.52 1,101.06 83.86 595.59 5.47 32,198.94
8 142.38 1,139.04 57.10 452.69 85.28 686.33 32,847.31 | 242.38 1,939.04 158.93 1,259.98 83.45 679.04 7.29 32,040.02
9 142.38 1,281.42 57.25 509.94 85.13 771.46 32,790.06 | 242.38 2,181.42 159.34 1,419.32 83.04 762.07 9.39 31,880.68
10 142.38 1,423.80 57.40 567.33 84.98 856.44 32,732.67 | 242.38 2,423.80 159.75 1,579.08 82.62 844.70 11.74 31,720.92
11 142.38 1,566.18 57.55 624.88 84.83 941.27 32,675.12 | 242.38 2,666.18 160.17 1,739.24 82.21 926.91 14.37 31,560.76
12 142.38 1,708.56 57.69 682.57 84.68 1,025.96 32,617.43 | 242.38 2,908.56 160.58 1,899.83 81.79 1,008.70 17.25 31,400.17
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
13 142.38 1,850.94 57.84 740.42 84.53 1,110.49 32,559.58 | 242.38 3,150.94 161.00 2,060.83 81.38 1,090.08 20.41 31,239.17
14 142.38 1,993.32 57.99 798.41 84.38 1,194.87 32,501.59 | 242.38 3,393.32 161.42 2,222.24 80.96 1,171.04 23.83 31,077.76
15 142.38 2,135.70 58.14 856.56 84.23 1,279.11 32,443.44 | 242.38 3,635.70 161.83 2,384.08 80.54 1,251.58 27.52 30,915.92
16 142.38 2,278.08 58.29 914.85 84.08 1,363.19 32,385.15 | 242.38 3,878.08 162.25 2,546.33 80.12 1,331.71 31.48 30,753.67
17 142.38 2,420.46 58.45 973.30 83.93 1,447.12 32,326.70 | 242.38 4,120.46 162.67 2,709.00 79.70 1,411.41 35.71 30,591.00
18 142.38 2,562.84 58.60 1,031.89 83.78 1,530.90 32,268.11 | 242.38 4,362.84 163.10 2,872.10 79.28 1,490.69 40.21 30,427.90
19 142.38 2,705.22 58.75 1,090.64 83.63 1,614.53 32,209.36 | 242.38 4,605.22 163.52 3,035.62 78.86 1,569.55 44.98 30,264.38
20 142.38 2,847.60 58.90 1,149.54 83.48 1,698.00 32,150.46 | 242.38 4,847.60 163.94 3,199.56 78.44 1,647.99 50.02 30,100.44
21 142.38 2,989.98 59.05 1,208.60 83.32 1,781.33 32,091.40 | 242.38 5,089.98 164.37 3,363.93 78.01 1,726.00 55.33 29,936.07
22 142.38 3,132.36 59.21 1,267.81 83.17 1,864.50 32,032.19 | 242.38 5,332.36 164.79 3,528.72 77.58 1,803.58 60.91 29,771.28
23 142.38 3,274.74 59.36 1,327.17 83.02 1,947.51 31,972.83 | 242.38 5,574.74 165.22 3,693.94 77.16 1,880.74 66.77 29,606.06
24 142.38 3,417.12 59.51 1,386.68 82.86 2,030.38 31,913.32 | 242.38 5,817.12 165.65 3,859.59 76.73 1,957.47 72.91 29,440.41
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
25 142.38 3,559.50 59.67 1,446.35 82.71 2,113.09 31,853.65 | 242.38 6,059.50 166.08 4,025.67 76.30 2,033.77 79.32 29,274.33
26 142.38 3,701.88 59.82 1,506.17 82.55 2,195.64 31,793.83 | 242.38 6,301.88 166.51 4,192.17 75.87 2,109.64 86.00 29,107.83
27 142.38 3,844.26 59.98 1,566.15 82.40 2,278.04 31,733.85 | 242.38 6,544.26 166.94 4,359.11 75.44 2,185.08 92.96 28,940.89
28 142.38 3,986.64 60.13 1,626.28 82.24 2,360.28 31,673.72 | 242.38 6,786.64 167.37 4,526.49 75.01 2,260.08 100.20 28,773.51
29 142.38 4,129.02 60.29 1,686.57 82.09 2,442.37 31,613.43 | 242.38 7,029.02 167.81 4,694.29 74.57 2,334.65 107.72 28,605.71
30 142.38 4,271.40 60.45 1,747.02 81.93 2,524.30 31,552.98 | 242.38 7,271.40 168.24 4,862.53 74.14 2,408.79 115.51 28,437.47
31 142.38 4,413.78 60.60 1,807.62 81.77 2,606.08 31,492.38 | 242.38 7,513.78 168.68 5,031.21 73.70 2,482.49 123.59 28,268.79
32 142.38 4,556.16 60.76 1,868.38 81.62 2,687.69 31,431.62 | 242.38 7,756.16 169.11 5,200.32 73.26 2,555.75 131.94 28,099.68
33 142.38 4,698.54 60.92 1,929.30 81.46 2,769.15 31,370.70 | 242.38 7,998.54 169.55 5,369.88 72.82 2,628.58 140.58 27,930.12
34 142.38 4,840.92 61.07 1,990.37 81.30 2,850.46 31,309.63 | 242.38 8,240.92 169.99 5,539.87 72.39 2,700.96 149.49 27,760.13
35 142.38 4,983.30 61.23 2,051.61 81.14 2,931.60 31,248.39 | 242.38 8,483.30 170.43 5,710.30 71.95 2,772.91 158.69 27,589.70
36 142.38 5,125.68 61.39 2,113.00 80.99 3,012.59 31,187.00 | 242.38 8,725.68 170.87 5,881.18 71.50 2,844.41 168.18 27,418.82
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
37 142.38 5,268.06 61.55 2,174.55 80.83 3,093.41 31,125.45 | 242.38 8,968.06 171.32 6,052.49 71.06 2,915.47 177.94 27,247.51
38 142.38 5,410.44 61.71 2,236.26 80.67 3,174.08 31,063.74 | 242.38 9,210.44 171.76 6,224.25 70.62 2,986.09 187.99 27,075.75
39 142.38 5,552.82 61.87 2,298.13 80.51 3,254.59 31,001.87 | 242.38 9,452.82 172.21 6,396.46 70.17 3,056.26 198.33 26,903.54
40 142.38 5,695.20 62.03 2,360.16 80.35 3,334.93 30,939.84 | 242.38 9,695.20 172.65 6,569.11 69.73 3,125.98 208.95 26,730.89
41 142.38 5,837.58 62.19 2,422.35 80.19 3,415.12 30,877.65 | 242.38 9,937.58 173.10 6,742.21 69.28 3,195.26 219.86 26,557.79
42 142.38 5,979.96 62.35 2,484.71 80.02 3,495.14 30,815.29 | 242.38 10,179.96 173.55 6,915.76 68.83 3,264.09 231.05 26,384.24
43 142.38 6,122.34 62.51 2,547.22 79.86 3,575.01 30,752.78 | 242.38 10,422.34 174.00 7,089.76 68.38 3,332.47 242.54 26,210.24
44 142.38 6,264.72 62.68 2,609.90 79.70 3,654.71 30,690.10 | 242.38 10,664.72 174.45 7,264.21 67.93 3,400.40 254.31 26,035.79
45 142.38 6,407.10 62.84 2,672.74 79.54 3,734.25 30,627.26 | 242.38 10,907.10 174.90 7,439.11 67.48 3,467.87 266.37 25,860.89
46 142.38 6,549.48 63.00 2,735.74 79.38 3,813.62 30,564.26 | 242.38 11,149.48 175.35 7,614.46 67.02 3,534.90 278.72 25,685.54
47 142.38 6,691.86 63.17 2,798.90 79.21 3,892.83 30,501.10 | 242.38 11,391.86 175.81 7,790.27 66.57 3,601.47 291.37 25,509.73
48 142.38 6,834.24 63.33 2,862.23 79.05 3,971.88 30,437.77 | 242.38 11,634.24 176.26 7,966.54 66.11 3,667.58 304.30 25,333.46
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
49 142.38 6,976.62 63.49 2,925.73 78.88 4,050.77 30,374.27 | 242.38 11,876.62 176.72 8,143.26 65.66 3,733.23 317.53 25,156.74
50 142.38 7,119.00 63.66 2,989.38 78.72 4,129.49 30,310.62 | 242.38 12,119.00 177.18 8,320.44 65.20 3,798.43 331.05 24,979.56
51 142.38 7,261.38 63.82 3,053.21 78.56 4,208.04 30,246.79 | 242.38 12,361.38 177.64 8,498.08 64.74 3,863.17 344.87 24,801.92
52 142.38 7,403.76 63.99 3,117.19 78.39 4,286.43 30,182.81 | 242.38 12,603.76 178.10 8,676.18 64.28 3,927.45 358.98 24,623.82
53 142.38 7,546.14 64.15 3,181.35 78.22 4,364.65 30,118.65 | 242.38 12,846.14 178.56 8,854.74 63.82 3,991.27 373.39 24,445.26
54 142.38 7,688.52 64.32 3,245.67 78.06 4,442.71 30,054.33 | 242.38 13,088.52 179.02 9,033.76 63.35 4,054.62 388.09 24,266.24
55 142.38 7,830.90 64.49 3,310.15 77.89 4,520.60 29,989.85 | 242.38 13,330.90 179.49 9,213.25 62.89 4,117.51 403.09 24,086.75
56 142.38 7,973.28 64.65 3,374.81 77.72 4,598.33 29,925.19 | 242.38 13,573.28 179.95 9,393.20 62.42 4,179.93 418.39 23,906.80
57 142.38 8,115.66 64.82 3,439.63 77.56 4,675.88 29,860.37 | 242.38 13,815.66 180.42 9,573.62 61.96 4,241.89 433.99 23,726.38
58 142.38 8,258.04 64.99 3,504.62 77.39 4,753.27 29,795.38 | 242.38 14,058.04 180.89 9,754.50 61.49 4,303.38 449.89 23,545.50
59 142.38 8,400.42 65.16 3,569.78 77.22 4,830.49 29,730.22 | 242.38 14,300.42 181.36 9,935.86 61.02 4,364.41 466.08 23,364.14
60 142.38 8,542.80 65.33 3,635.10 77.05 4,907.54 29,664.90 | 242.38 14,542.80 181.83 10,117.69 60.55 4,424.96 482.58 23,182.31
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
61 142.38 8,685.18 65.50 3,700.60 76.88 4,984.42 29,599.40 | 242.38 14,785.18 182.30 10,299.98 60.08 4,485.04 499.38 23,000.02
62 142.38 8,827.56 65.67 3,766.26 76.71 5,061.13 29,533.74 | 242.38 15,027.56 182.77 10,482.75 59.61 4,544.65 516.49 22,817.25
63 142.38 8,969.94 65.84 3,832.10 76.54 5,137.68 29,467.90 | 242.38 15,269.94 183.24 10,665.99 59.13 4,603.78 533.89 22,634.01
64 142.38 9,112.32 66.01 3,898.11 76.37 5,214.05 29,401.89 | 242.38 15,512.32 183.72 10,849.71 58.66 4,662.44 551.61 22,450.29
65 142.38 9,254.70 66.18 3,964.28 76.20 5,290.25 29,335.72 | 242.38 15,754.70 184.19 11,033.91 58.18 4,720.63 569.62 22,266.09
66 142.38 9,397.08 66.35 4,030.63 76.03 5,366.28 29,269.37 | 242.38 15,997.08 184.67 11,218.58 57.71 4,778.33 587.94 22,081.42
67 142.38 9,539.46 66.52 4,097.15 75.86 5,442.13 29,202.85 | 242.38 16,239.46 185.15 11,403.73 57.23 4,835.56 606.57 21,896.27
68 142.38 9,681.84 66.69 4,163.85 75.68 5,517.82 29,136.15 | 242.38 16,481.84 185.63 11,589.36 56.75 4,892.31 625.51 21,710.64
69 142.38 9,824.22 66.87 4,230.71 75.51 5,593.33 29,069.29 | 242.38 16,724.22 186.11 11,775.47 56.27 4,948.57 644.75 21,524.53
70 142.38 9,966.60 67.04 4,297.75 75.34 5,668.67 29,002.25 | 242.38 16,966.60 186.59 11,962.06 55.78 5,004.36 664.31 21,337.94
71 142.38 10,108.98 67.21 4,364.97 75.16 5,743.83 28,935.03 | 242.38 17,208.98 187.08 12,149.14 55.30 5,059.66 684.17 21,150.86
72 142.38 10,251.36 67.39 4,432.35 74.99 5,818.82 28,867.65 | 242.38 17,451.36 187.56 12,336.70 54.82 5,114.48 704.34 20,963.30
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
73 142.38 10,393.74 67.56 4,499.91 74.82 5,893.63 28,800.09 | 242.38 17,693.74 188.05 12,524.74 54.33 5,168.81 724.83 20,775.26
74 142.38 10,536.12 67.74 4,567.65 74.64 5,968.28 28,732.35 | 242.38 17,936.12 188.53 12,713.28 53.84 5,222.65 745.63 20,586.72
75 142.38 10,678.50 67.91 4,635.56 74.46 6,042.74 28,664.44 | 242.38 18,178.50 189.02 12,902.30 53.35 5,276.00 766.74 20,397.70
76 142.38 10,820.88 68.09 4,703.65 74.29 6,117.03 28,596.35 | 242.38 18,420.88 189.51 13,091.82 52.86 5,328.87 788.16 20,208.18
77 142.38 10,963.26 68.27 4,771.92 74.11 6,191.14 28,528.08 | 242.38 18,663.26 190.00 13,281.82 52.37 5,381.24 809.90 20,018.18
78 142.38 11,105.64 68.44 4,840.36 73.94 6,265.08 28,459.64 | 242.38 18,905.64 190.50 13,472.32 51.88 5,433.12 831.96 19,827.68
79 142.38 11,248.02 68.62 4,908.98 73.76 6,338.83 28,391.02 | 242.38 19,148.02 190.99 13,663.31 51.39 5,484.51 854.33 19,636.69
80 142.38 11,390.40 68.80 4,977.78 73.58 6,412.41 28,322.22 | 242.38 19,390.40 191.49 13,854.79 50.89 5,535.40 877.02 19,445.21
81 142.38 11,532.78 68.98 5,046.75 73.40 6,485.82 28,253.25 | 242.38 19,632.78 191.98 14,046.78 50.40 5,585.79 900.02 19,253.22
82 142.38 11,675.16 69.15 5,115.91 73.22 6,559.04 28,184.09 | 242.38 19,875.16 192.48 14,239.26 49.90 5,635.69 923.35 19,060.74
83 142.38 11,817.54 69.33 5,185.24 73.04 6,632.08 28,114.76 | 242.38 20,117.54 192.98 14,432.23 49.40 5,685.09 946.99 18,867.77
84 142.38 11,959.92 69.51 5,254.75 72.86 6,704.95 28,045.25 | 242.38 20,359.92 193.48 14,625.71 48.90 5,733.99 970.96 18,674.29
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
85 142.38 12,102.30 69.69 5,324.45 72.68 6,777.63 27,975.55 | 242.38 20,602.30 193.98 14,819.69 48.40 5,782.39 995.24 18,480.31
86 142.38 12,244.68 69.87 5,394.32 72.50 6,850.13 27,905.68 | 242.38 20,844.68 194.48 15,014.17 47.89 5,830.28 1,019.85 18,285.83
87 142.38 12,387.06 70.06 5,464.38 72.32 6,922.46 27,835.62 | 242.38 21,087.06 194.99 15,209.16 47.39 5,877.67 1,044.78 18,090.84
88 142.38 12,529.44 70.24 5,534.61 72.14 6,994.60 27,765.39 | 242.38 21,329.44 195.49 15,404.65 46.89 5,924.56 1,070.04 17,895.35
89 142.38 12,671.82 70.42 5,605.03 71.96 7,066.56 27,694.97 | 242.38 21,571.82 196.00 15,600.65 46.38 5,970.94 1,095.62 17,699.35
90 142.38 12,814.20 70.60 5,675.63 71.78 7,138.33 27,624.37 | 242.38 21,814.20 196.51 15,797.16 45.87 6,016.81 1,121.52 17,502.84
91 142.38 12,956.58 70.78 5,746.42 71.59 7,209.92 27,553.58 | 242.38 22,056.58 197.02 15,994.17 45.36 6,062.17 1,147.76 17,305.83
92 142.38 13,098.96 70.97 5,817.39 71.41 7,281.33 27,482.61 | 242.38 22,298.96 197.53 16,191.70 44.85 6,107.02 1,174.31 17,108.30
93 142.38 13,241.34 71.15 5,888.54 71.23 7,352.56 27,411.46 | 242.38 22,541.34 198.04 16,389.74 44.34 6,151.36 1,201.20 16,910.26
94 142.38 13,383.72 71.34 5,959.87 71.04 7,423.60 27,340.13 | 242.38 22,783.72 198.55 16,588.29 43.83 6,195.18 1,228.42 16,711.71
95 142.38 13,526.10 71.52 6,031.39 70.86 7,494.46 27,268.61 | 242.38 23,026.10 199.07 16,787.36 43.31 6,238.50 1,255.96 16,512.64
96 142.38 13,668.48 71.71 6,103.10 70.67 7,565.13 27,196.90 | 242.38 23,268.48 199.58 16,986.94 42.80 6,281.29 1,283.84 16,313.06
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
97 142.38 13,810.86 71.89 6,174.99 70.49 7,635.61 27,125.01 | 242.38 23,510.86 200.10 17,187.04 42.28 6,323.57 1,312.05 16,112.96
98 142.38 13,953.24 72.08 6,247.07 70.30 7,705.91 27,052.93 | 242.38 23,753.24 200.62 17,387.66 41.76 6,365.33 1,340.59 15,912.34
99 142.38 14,095.62 72.27 6,319.34 70.11 7,776.03 26,980.66 | 242.38 23,995.62 201.14 17,588.79 41.24 6,406.57 1,369.46 15,711.21
100 142.38 14,238.00 72.45 6,391.79 69.92 7,845.95 26,908.21 | 242.38 24,238.00 201.66 17,790.45 40.72 6,447.29 1,398.66 15,509.55
101 142.38 14,380.38 72.64 6,464.43 69.74 7,915.69 26,835.57 | 242.38 24,480.38 202.18 17,992.64 40.20 6,487.48 1,428.21 15,307.36
102 142.38 14,522.76 72.83 6,537.26 69.55 7,985.24 26,762.74 | 242.38 24,722.76 202.71 18,195.34 39.67 6,527.15 1,458.08 15,104.66
103 142.38 14,665.14 73.02 6,610.27 69.36 8,054.60 26,689.73 | 242.38 24,965.14 203.23 18,398.57 39.15 6,566.30 1,488.30 14,901.43
104 142.38 14,807.52 73.21 6,683.48 69.17 8,123.77 26,616.52 | 242.38 25,207.52 203.76 18,602.33 38.62 6,604.92 1,518.85 14,697.67
105 142.38 14,949.90 73.40 6,756.88 68.98 8,192.75 26,543.12 | 242.38 25,449.90 204.29 18,806.62 38.09 6,643.01 1,549.74 14,493.38
106 142.38 15,092.28 73.59 6,830.46 68.79 8,261.54 26,469.54 | 242.38 25,692.28 204.82 19,011.43 37.56 6,680.57 1,580.97 14,288.57
107 142.38 15,234.66 73.78 6,904.24 68.60 8,330.14 26,395.76 | 242.38 25,934.66 205.35 19,216.78 37.03 6,717.60 1,612.54 14,083.22
108 142.38 15,377.04 73.97 6,978.21 68.41 8,398.55 26,321.79 | 242.38 26,177.04 205.88 19,422.66 36.50 6,754.10 1,644.45 13,877.34
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
109 142.38 15,519.42 74.16 7,052.37 68.22 8,466.77 26,247.63 | 242.38 26,419.42 206.41 19,629.07 35.97 6,790.07 1,676.70 13,670.93
110 142.38 15,661.80 74.35 7,126.72 68.03 8,534.79 26,173.28 | 242.38 26,661.80 206.95 19,836.01 35.43 6,825.50 1,709.29 13,463.99
111 142.38 15,804.18 74.54 7,201.27 67.83 8,602.62 26,098.73 | 242.38 26,904.18 207.48 20,043.50 34.89 6,860.39 1,742.23 13,256.50
112 142.38 15,946.56 74.74 7,276.01 67.64 8,670.26 26,023.99 | 242.38 27,146.56 208.02 20,251.52 34.36 6,894.75 1,775.51 13,048.48
113 142.38 16,088.94 74.93 7,350.94 67.45 8,737.71 25,949.06 | 242.38 27,388.94 208.56 20,460.08 33.82 6,928.57 1,809.14 12,839.92
114 142.38 16,231.32 75.13 7,426.06 67.25 8,804.96 25,873.94 | 242.38 27,631.32 209.10 20,669.18 33.28 6,961.84 1,843.12 12,630.82
115 142.38 16,373.70 75.32 7,501.38 67.06 8,872.02 25,798.62 | 242.38 27,873.70 209.64 20,878.82 32.73 6,994.58 1,877.44 12,421.18
116 142.38 16,516.08 75.52 7,576.90 66.86 8,938.88 25,723.10 | 242.38 28,116.08 210.19 21,089.01 32.19 7,026.77 1,912.11 12,210.99
117 142.38 16,658.46 75.71 7,652.61 66.67 9,005.54 25,647.39 | 242.38 28,358.46 210.73 21,299.74 31.65 7,058.42 1,947.13 12,000.26
118 142.38 16,800.84 75.91 7,728.52 66.47 9,072.01 25,571.48 | 242.38 28,600.84 211.28 21,511.02 31.10 7,089.52 1,982.50 11,788.98
119 142.38 16,943.22 76.10 7,804.62 66.27 9,138.29 25,495.38 | 242.38 28,843.22 211.82 21,722.84 30.55 7,120.07 2,018.22 11,577.16
120 142.38 17,085.60 76.30 7,880.93 66.08 9,204.36 25,419.07 | 242.38 29,085.60 212.37 21,935.21 30.00 7,150.07 2,054.29 11,364.79
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
121 142.38 17,227.98 76.50 7,957.43 65.88 9,270.24 25,342.57 | 242.38 29,327.98 212.92 22,148.14 29.45 7,179.53 2,090.71 11,151.86
122 142.38 17,370.36 76.70 8,034.12 65.68 9,335.92 25,265.88 | 242.38 29,570.36 213.48 22,361.61 28.90 7,208.43 2,127.49 10,938.39
123 142.38 17,512.74 76.90 8,111.02 65.48 9,401.40 25,188.98 | 242.38 29,812.74 214.03 22,575.64 28.35 7,236.78 2,164.62 10,724.36
124 142.38 17,655.12 77.10 8,188.12 65.28 9,466.68 25,111.88 | 242.38 30,055.12 214.58 22,790.22 27.79 7,264.57 2,202.11 10,509.78
125 142.38 17,797.50 77.30 8,265.41 65.08 9,531.76 25,034.59 | 242.38 30,297.50 215.14 23,005.36 27.24 7,291.81 2,239.95 10,294.64
126 142.38 17,939.88 77.50 8,342.91 64.88 9,596.64 24,957.09 | 242.38 30,539.88 215.70 23,221.06 26.68 7,318.49 2,278.15 10,078.94
127 142.38 18,082.26 77.70 8,420.60 64.68 9,661.32 24,879.40 | 242.38 30,782.26 216.26 23,437.32 26.12 7,344.61 2,316.71 9,862.68
128 142.38 18,224.64 77.90 8,498.50 64.48 9,725.80 24,801.50 | 242.38 31,024.64 216.82 23,654.13 25.56 7,370.17 2,355.63 9,645.87
129 142.38 18,367.02 78.10 8,576.60 64.28 9,790.08 24,723.40 | 242.38 31,267.02 217.38 23,871.51 25.00 7,395.17 2,394.91 9,428.49
130 142.38 18,509.40 78.30 8,654.91 64.07 9,854.15 24,645.09 | 242.38 31,509.40 217.94 24,089.45 24.44 7,419.61 2,434.55 9,210.55
131 142.38 18,651.78 78.51 8,733.41 63.87 9,918.03 24,566.59 | 242.38 31,751.78 218.51 24,307.96 23.87 7,443.48 2,474.55 8,992.04
132 142.38 18,794.16 78.71 8,812.12 63.67 9,981.70 24,487.88 | 242.38 31,994.16 219.07 24,527.03 23.30 7,466.78 2,514.91 8,772.97
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
133 142.38 18,936.54 78.91 8,891.03 63.46 10,045.16 24,408.97 | 242.38 32,236.54 219.64 24,746.67 22.74 7,489.52 2,555.64 8,553.33
134 142.38 19,078.92 79.12 8,970.15 63.26 10,108.42 24,329.85 | 242.38 32,478.92 220.21 24,966.88 22.17 7,511.69 2,596.73 8,333.12
135 142.38 19,221.30 79.32 9,049.47 63.05 10,171.47 24,250.53 | 242.38 32,721.30 220.78 25,187.67 21.60 7,533.28 2,638.19 8,112.33
136 142.38 19,363.68 79.53 9,129.00 62.85 10,234.32 24,171.00 | 242.38 32,963.68 221.35 25,409.02 21.02 7,554.31 2,680.02 7,890.98
137 142.38 19,506.06 79.73 9,208.74 62.64 10,296.97 24,091.26 | 242.38 33,206.06 221.93 25,630.94 20.45 7,574.76 2,722.21 7,669.06
138 142.38 19,648.44 79.94 9,288.68 62.44 10,359.40 24,011.32 | 242.38 33,448.44 222.50 25,853.45 19.88 7,594.63 2,764.77 7,446.55
139 142.38 19,790.82 80.15 9,368.82 62.23 10,421.63 23,931.18 | 242.38 33,690.82 223.08 26,076.52 19.30 7,613.93 2,807.70 7,223.48
140 142.38 19,933.20 80.36 9,449.18 62.02 10,483.65 23,850.82 | 242.38 33,933.20 223.66 26,300.18 18.72 7,632.65 2,851.00 6,999.82
141 142.38 20,075.58 80.56 9,529.74 61.81 10,545.47 23,770.26 | 242.38 34,175.58 224.24 26,524.42 18.14 7,650.79 2,894.67 6,775.58
142 142.38 20,217.96 80.77 9,610.52 61.60 10,607.07 23,689.48 | 242.38 34,417.96 224.82 26,749.23 17.56 7,668.35 2,938.72 6,550.77
143 142.38 20,360.34 80.98 9,691.50 61.40 10,668.47 23,608.50 | 242.38 34,660.34 225.40 26,974.63 16.98 7,685.33 2,983.14 6,325.37
144 142.38 20,502.72 81.19 9,772.69 61.19 10,729.65 23,527.31 | 242.38 34,902.72 225.98 27,200.62 16.39 7,701.73 3,027.93 6,099.38
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
145 142.38 20,645.10 81.40 9,854.09 60.97 10,790.63 23,445.91 | 242.38 35,145.10 226.57 27,427.19 15.81 7,717.53 3,073.09 5,872.81
146 142.38 20,787.48 81.61 9,935.71 60.76 10,851.39 23,364.29 | 242.38 35,387.48 227.16 27,654.35 15.22 7,732.75 3,118.64 5,645.65
147 142.38 20,929.86 81.82 10,017.53 60.55 10,911.94 23,282.47 | 242.38 35,629.86 227.75 27,882.09 14.63 7,747.38 3,164.56 5,417.91
148 142.38 21,072.24 82.04 10,099.57 60.34 10,972.28 23,200.43 | 242.38 35,872.24 228.34 28,110.43 14.04 7,761.43 3,210.86 5,189.57
149 142.38 21,214.62 82.25 10,181.82 60.13 11,032.41 23,118.18 | 242.38 36,114.62 228.93 28,339.36 13.45 7,774.88 3,257.54 4,960.64
150 142.38 21,357.00 82.46 10,264.28 59.91 11,092.33 23,035.72 | 242.38 36,357.00 229.52 28,568.88 12.86 7,787.73 3,304.59 4,731.12
151 142.38 21,499.38 82.68 10,346.96 59.70 11,152.03 22,953.04 | 242.38 36,599.38 230.12 28,798.99 12.26 7,799.99 3,352.03 4,501.01
152 142.38 21,641.76 82.89 10,429.85 59.49 11,211.51 22,870.15 | 242.38 36,841.76 230.71 29,029.70 11.67 7,811.66 3,399.86 4,270.30
153 142.38 21,784.14 83.11 10,512.95 59.27 11,270.79 22,787.05 | 242.38 37,084.14 231.31 29,261.01 11.07 7,822.73 3,448.06 4,038.99
154 142.38 21,926.52 83.32 10,596.28 59.06 11,329.84 22,703.72 | 242.38 37,326.52 231.91 29,492.92 10.47 7,833.19 3,496.65 3,807.08
155 142.38 22,068.90 83.54 10,679.81 58.84 11,388.68 22,620.19 | 242.38 37,568.90 232.51 29,725.44 9.87 7,843.06 3,545.62 3,574.56
156 142.38 22,211.28 83.75 10,763.57 58.62 11,447.31 22,536.43 | 242.38 37,811.28 233.11 29,958.55 9.26 7,852.32 3,594.98 3,341.45
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
157 142.38 22,353.66 83.97 10,847.54 58.41 11,505.71 22,452.46 | 242.38 38,053.66 233.72 30,192.27 8.66 7,860.98 3,644.73 3,107.73
158 142.38 22,496.04 84.19 10,931.72 58.19 11,563.90 22,368.28 | 242.38 38,296.04 234.32 30,426.59 8.05 7,869.04 3,694.86 2,873.41
159 142.38 22,638.42 84.41 11,016.13 57.97 11,621.87 22,283.87 | 242.38 38,538.42 234.93 30,661.52 7.45 7,876.49 3,745.39 2,638.48
160 142.38 22,780.80 84.63 11,100.76 57.75 11,679.63 22,199.24 | 242.38 38,780.80 235.54 30,897.06 6.84 7,883.32 3,796.30 2,402.94
161 142.38 22,923.18 84.84 11,185.60 57.53 11,737.16 22,114.40 | 242.38 39,023.18 236.15 31,133.21 6.23 7,889.55 3,847.61 2,166.79
162 142.38 23,065.56 85.06 11,270.66 57.31 11,794.47 22,029.34 | 242.38 39,265.56 236.76 31,369.97 5.62 7,895.17 3,899.31 1,930.03
163 142.38 23,207.94 85.28 11,355.95 57.09 11,851.57 21,944.05 | 242.38 39,507.94 237.38 31,607.35 5.00 7,900.17 3,951.40 1,692.65
164 142.38 23,350.32 85.51 11,441.45 56.87 11,908.44 21,858.55 | 242.38 39,750.32 237.99 31,845.34 4.39 7,904.56 4,003.88 1,454.66
165 142.38 23,492.70 85.73 11,527.18 56.65 11,965.09 21,772.82 | 242.38 39,992.70 238.61 32,083.94 3.77 7,908.33 4,056.76 1,216.06
166 142.38 23,635.08 85.95 11,613.13 56.43 12,021.52 21,686.87 | 242.38 40,235.08 239.23 32,323.17 3.15 7,911.48 4,110.04 976.83
167 142.38 23,777.46 86.17 11,699.30 56.21 12,077.72 21,600.70 | 242.38 40,477.46 239.85 32,563.02 2.53 7,914.01 4,163.71 736.98
168 142.38 23,919.84 86.40 11,785.70 55.98 12,133.70 21,514.30 | 242.38 40,719.84 240.47 32,803.48 1.91 7,915.92 4,217.78 496.52
Year 14 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
169 142.38 24,062.22 86.62 11,872.32 55.76 12,189.46 21,427.68 | 242.38 40,962.22 241.09 33,044.57 1.29 7,917.21 4,272.25 255.43
170 142.38 24,204.60 86.84 11,959.16 55.53 12,244.99 21,340.84 | 242.38 41,204.60 241.72 33,286.29 0.66 7,917.87 4,327.13 13.71
171 142.38 24,346.98 87.07 12,046.23 55.31 12,300.30 21,253.77 | 13.75 41,218.35 13.71 33,528.63 0.04 7,917.90 4,382.40 0.00

Loan Paid off in Year 14.

Total Interest Based on 30 Year Loan with No Extra Payment $17,955.86.

Total Interest Saved with Pre-Payment is $10,037.96