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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: $3,750

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
1 144.30 144.30 56.83 56.83 87.47 87.47 33,693.17 | 244.30 244.30 156.83 156.83 87.47 87.47 0.00 33,593.17
2 144.30 288.60 56.98 113.81 87.32 174.79 33,636.19 | 244.30 488.60 157.24 314.07 87.06 174.53 0.26 33,435.93
3 144.30 432.90 57.13 170.94 87.17 261.96 33,579.06 | 244.30 732.90 157.65 471.72 86.65 261.19 0.78 33,278.28
4 144.30 577.20 57.28 228.22 87.03 348.99 33,521.78 | 244.30 977.20 158.06 629.77 86.25 347.43 1.56 33,120.23
5 144.30 721.50 57.42 285.64 86.88 435.87 33,464.36 | 244.30 1,221.50 158.46 788.24 85.84 433.27 2.60 32,961.76
6 144.30 865.80 57.57 343.21 86.73 522.60 33,406.79 | 244.30 1,465.80 158.88 947.11 85.43 518.69 3.90 32,802.89
7 144.30 1,010.10 57.72 400.94 86.58 609.17 33,349.06 | 244.30 1,710.10 159.29 1,106.40 85.01 603.71 5.47 32,643.60
8 144.30 1,154.40 57.87 458.81 86.43 695.60 33,291.19 | 244.30 1,954.40 159.70 1,266.10 84.60 688.31 7.29 32,483.90
9 144.30 1,298.70 58.02 516.83 86.28 781.88 33,233.17 | 244.30 2,198.70 160.11 1,426.22 84.19 772.50 9.39 32,323.78
10 144.30 1,443.00 58.17 575.00 86.13 868.01 33,175.00 | 244.30 2,443.00 160.53 1,586.74 83.77 856.27 11.74 32,163.26
11 144.30 1,587.30 58.32 633.32 85.98 953.99 33,116.68 | 244.30 2,687.30 160.94 1,747.69 83.36 939.63 14.37 32,002.31
12 144.30 1,731.60 58.47 691.80 85.83 1,039.82 33,058.20 | 244.30 2,931.60 161.36 1,909.05 82.94 1,022.57 17.25 31,840.95
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
13 144.30 1,875.90 58.63 750.42 85.68 1,125.50 32,999.58 | 244.30 3,175.90 161.78 2,070.83 82.52 1,105.09 20.41 31,679.17
14 144.30 2,020.20 58.78 809.20 85.52 1,211.02 32,940.80 | 244.30 3,420.20 162.20 2,233.03 82.10 1,187.19 23.83 31,516.97
15 144.30 2,164.50 58.93 868.13 85.37 1,296.39 32,881.87 | 244.30 3,664.50 162.62 2,395.65 81.68 1,268.87 27.52 31,354.35
16 144.30 2,308.80 59.08 927.21 85.22 1,381.61 32,822.79 | 244.30 3,908.80 163.04 2,558.69 81.26 1,350.13 31.48 31,191.31
17 144.30 2,453.10 59.24 986.45 85.07 1,466.68 32,763.55 | 244.30 4,153.10 163.46 2,722.16 80.84 1,430.97 35.71 31,027.84
18 144.30 2,597.40 59.39 1,045.84 84.91 1,551.59 32,704.16 | 244.30 4,397.40 163.89 2,886.04 80.41 1,511.38 40.21 30,863.96
19 144.30 2,741.70 59.54 1,105.38 84.76 1,636.35 32,644.62 | 244.30 4,641.70 164.31 3,050.36 79.99 1,591.37 44.98 30,699.64
20 144.30 2,886.00 59.70 1,165.08 84.60 1,720.95 32,584.92 | 244.30 4,886.00 164.74 3,215.09 79.56 1,670.93 50.02 30,534.91
21 144.30 3,030.30 59.85 1,224.93 84.45 1,805.40 32,525.07 | 244.30 5,130.30 165.17 3,380.26 79.14 1,750.07 55.33 30,369.74
22 144.30 3,174.60 60.01 1,284.94 84.29 1,889.69 32,465.06 | 244.30 5,374.60 165.59 3,545.85 78.71 1,828.78 60.91 30,204.15
23 144.30 3,318.90 60.16 1,345.10 84.14 1,973.83 32,404.90 | 244.30 5,618.90 166.02 3,711.88 78.28 1,907.06 66.77 30,038.12
24 144.30 3,463.20 60.32 1,405.42 83.98 2,057.81 32,344.58 | 244.30 5,863.20 166.45 3,878.33 77.85 1,984.91 72.91 29,871.67
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
25 144.30 3,607.50 60.48 1,465.89 83.83 2,141.64 32,284.11 | 244.30 6,107.50 166.88 4,045.21 77.42 2,062.32 79.32 29,704.79
26 144.30 3,751.80 60.63 1,526.53 83.67 2,225.31 32,223.47 | 244.30 6,351.80 167.32 4,212.53 76.98 2,139.31 86.00 29,537.47
27 144.30 3,896.10 60.79 1,587.32 83.51 2,308.82 32,162.68 | 244.30 6,596.10 167.75 4,380.28 76.55 2,215.86 92.96 29,369.72
28 144.30 4,040.40 60.95 1,648.26 83.35 2,392.18 32,101.74 | 244.30 6,840.40 168.18 4,548.46 76.12 2,291.98 100.20 29,201.54
29 144.30 4,184.70 61.10 1,709.37 83.20 2,475.37 32,040.63 | 244.30 7,084.70 168.62 4,717.08 75.68 2,367.66 107.72 29,032.92
30 144.30 4,329.00 61.26 1,770.63 83.04 2,558.41 31,979.37 | 244.30 7,329.00 169.06 4,886.14 75.24 2,442.90 115.51 28,863.86
31 144.30 4,473.30 61.42 1,832.05 82.88 2,641.29 31,917.95 | 244.30 7,573.30 169.50 5,055.64 74.81 2,517.71 123.59 28,694.36
32 144.30 4,617.60 61.58 1,893.63 82.72 2,724.01 31,856.37 | 244.30 7,817.60 169.94 5,225.57 74.37 2,592.07 131.94 28,524.43
33 144.30 4,761.90 61.74 1,955.37 82.56 2,806.58 31,794.63 | 244.30 8,061.90 170.38 5,395.95 73.93 2,666.00 140.58 28,354.05
34 144.30 4,906.20 61.90 2,017.27 82.40 2,888.98 31,732.73 | 244.30 8,306.20 170.82 5,566.77 73.48 2,739.48 149.49 28,183.23
35 144.30 5,050.50 62.06 2,079.33 82.24 2,971.22 31,670.67 | 244.30 8,550.50 171.26 5,738.03 73.04 2,812.52 158.69 28,011.97
36 144.30 5,194.80 62.22 2,141.55 82.08 3,053.30 31,608.45 | 244.30 8,794.80 171.70 5,909.73 72.60 2,885.12 168.18 27,840.27
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
37 144.30 5,339.10 62.38 2,203.94 81.92 3,135.22 31,546.06 | 244.30 9,039.10 172.15 6,081.88 72.15 2,957.27 177.94 27,668.12
38 144.30 5,483.40 62.54 2,266.48 81.76 3,216.97 31,483.52 | 244.30 9,283.40 172.59 6,254.47 71.71 3,028.98 187.99 27,495.53
39 144.30 5,627.70 62.71 2,329.19 81.59 3,298.57 31,420.81 | 244.30 9,527.70 173.04 6,427.51 71.26 3,100.24 198.33 27,322.49
40 144.30 5,772.00 62.87 2,392.06 81.43 3,380.00 31,357.94 | 244.30 9,772.00 173.49 6,601.01 70.81 3,171.05 208.95 27,148.99
41 144.30 5,916.30 63.03 2,455.09 81.27 3,461.27 31,294.91 | 244.30 10,016.30 173.94 6,774.95 70.36 3,241.41 219.86 26,975.05
42 144.30 6,060.60 63.20 2,518.28 81.11 3,542.37 31,231.72 | 244.30 10,260.60 174.39 6,949.34 69.91 3,311.32 231.05 26,800.66
43 144.30 6,204.90 63.36 2,581.64 80.94 3,623.32 31,168.36 | 244.30 10,504.90 174.84 7,124.18 69.46 3,380.78 242.54 26,625.82
44 144.30 6,349.20 63.52 2,645.17 80.78 3,704.09 31,104.83 | 244.30 10,749.20 175.30 7,299.48 69.01 3,449.79 254.31 26,450.52
45 144.30 6,493.50 63.69 2,708.86 80.61 3,784.71 31,041.14 | 244.30 10,993.50 175.75 7,475.23 68.55 3,518.34 266.37 26,274.77
46 144.30 6,637.80 63.85 2,772.71 80.45 3,865.16 30,977.29 | 244.30 11,237.80 176.21 7,651.43 68.10 3,586.43 278.72 26,098.57
47 144.30 6,782.10 64.02 2,836.73 80.28 3,945.44 30,913.27 | 244.30 11,482.10 176.66 7,828.10 67.64 3,654.07 291.37 25,921.90
48 144.30 6,926.40 64.18 2,900.91 80.12 4,025.56 30,849.09 | 244.30 11,726.40 177.12 8,005.22 67.18 3,721.25 304.30 25,744.78
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
49 144.30 7,070.70 64.35 2,965.26 79.95 4,105.51 30,784.74 | 244.30 11,970.70 177.58 8,182.80 66.72 3,787.97 317.53 25,567.20
50 144.30 7,215.00 64.52 3,029.78 79.78 4,185.29 30,720.22 | 244.30 12,215.00 178.04 8,360.83 66.26 3,854.24 331.05 25,389.17
51 144.30 7,359.30 64.68 3,094.47 79.62 4,264.91 30,655.53 | 244.30 12,459.30 178.50 8,539.34 65.80 3,920.04 344.87 25,210.66
52 144.30 7,503.60 64.85 3,159.32 79.45 4,344.36 30,590.68 | 244.30 12,703.60 178.96 8,718.30 65.34 3,985.37 358.98 25,031.70
53 144.30 7,647.90 65.02 3,224.34 79.28 4,423.64 30,525.66 | 244.30 12,947.90 179.43 8,897.73 64.87 4,050.25 373.39 24,852.27
54 144.30 7,792.20 65.19 3,289.53 79.11 4,502.75 30,460.47 | 244.30 13,192.20 179.89 9,077.62 64.41 4,114.66 388.09 24,672.38
55 144.30 7,936.50 65.36 3,354.89 78.94 4,581.69 30,395.11 | 244.30 13,436.50 180.36 9,257.98 63.94 4,178.60 403.09 24,492.02
56 144.30 8,080.80 65.53 3,420.41 78.77 4,660.47 30,329.59 | 244.30 13,680.80 180.83 9,438.80 63.48 4,242.07 418.39 24,311.20
57 144.30 8,225.10 65.70 3,486.11 78.60 4,739.07 30,263.89 | 244.30 13,925.10 181.29 9,620.10 63.01 4,305.08 433.99 24,129.90
58 144.30 8,369.40 65.87 3,551.98 78.43 4,817.50 30,198.02 | 244.30 14,169.40 181.76 9,801.86 62.54 4,367.62 449.89 23,948.14
59 144.30 8,513.70 66.04 3,618.02 78.26 4,895.77 30,131.98 | 244.30 14,413.70 182.24 9,984.10 62.07 4,429.68 466.08 23,765.90
60 144.30 8,658.00 66.21 3,684.22 78.09 4,973.86 30,065.78 | 244.30 14,658.00 182.71 10,166.81 61.59 4,491.28 482.58 23,583.19
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
61 144.30 8,802.30 66.38 3,750.61 77.92 5,051.78 29,999.39 | 244.30 14,902.30 183.18 10,349.99 61.12 4,552.40 499.38 23,400.01
62 144.30 8,946.60 66.55 3,817.16 77.75 5,129.53 29,932.84 | 244.30 15,146.60 183.66 10,533.65 60.65 4,613.04 516.49 23,216.35
63 144.30 9,090.90 66.73 3,883.88 77.58 5,207.10 29,866.12 | 244.30 15,390.90 184.13 10,717.78 60.17 4,673.21 533.89 23,032.22
64 144.30 9,235.20 66.90 3,950.78 77.40 5,284.51 29,799.22 | 244.30 15,635.20 184.61 10,902.39 59.69 4,732.90 551.61 22,847.61
65 144.30 9,379.50 67.07 4,017.85 77.23 5,361.74 29,732.15 | 244.30 15,879.50 185.09 11,087.48 59.21 4,792.12 569.62 22,662.52
66 144.30 9,523.80 67.25 4,085.10 77.06 5,438.79 29,664.90 | 244.30 16,123.80 185.57 11,273.04 58.73 4,850.85 587.94 22,476.96
67 144.30 9,668.10 67.42 4,152.52 76.88 5,515.67 29,597.48 | 244.30 16,368.10 186.05 11,459.09 58.25 4,909.10 606.57 22,290.91
68 144.30 9,812.40 67.59 4,220.11 76.71 5,592.38 29,529.89 | 244.30 16,612.40 186.53 11,645.62 57.77 4,966.87 625.51 22,104.38
69 144.30 9,956.70 67.77 4,287.88 76.53 5,668.91 29,462.12 | 244.30 16,856.70 187.01 11,832.64 57.29 5,024.16 644.75 21,917.36
70 144.30 10,101.00 67.95 4,355.83 76.36 5,745.27 29,394.17 | 244.30 17,101.00 187.50 12,020.14 56.80 5,080.96 664.31 21,729.86
71 144.30 10,245.30 68.12 4,423.95 76.18 5,821.45 29,326.05 | 244.30 17,345.30 187.98 12,208.12 56.32 5,137.28 684.17 21,541.88
72 144.30 10,389.60 68.30 4,492.25 76.00 5,897.45 29,257.75 | 244.30 17,589.60 188.47 12,396.59 55.83 5,193.11 704.34 21,353.41
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
73 144.30 10,533.90 68.48 4,560.72 75.83 5,973.28 29,189.28 | 244.30 17,833.90 188.96 12,585.55 55.34 5,248.45 724.83 21,164.45
74 144.30 10,678.20 68.65 4,629.38 75.65 6,048.93 29,120.62 | 244.30 18,078.20 189.45 12,775.00 54.85 5,303.30 745.63 20,975.00
75 144.30 10,822.50 68.83 4,698.21 75.47 6,124.40 29,051.79 | 244.30 18,322.50 189.94 12,964.95 54.36 5,357.66 766.74 20,785.05
76 144.30 10,966.80 69.01 4,767.22 75.29 6,199.69 28,982.78 | 244.30 18,566.80 190.43 13,155.38 53.87 5,411.53 788.16 20,594.62
77 144.30 11,111.10 69.19 4,836.40 75.11 6,274.80 28,913.60 | 244.30 18,811.10 190.93 13,346.31 53.37 5,464.90 809.90 20,403.69
78 144.30 11,255.40 69.37 4,905.77 74.93 6,349.74 28,844.23 | 244.30 19,055.40 191.42 13,537.73 52.88 5,517.78 831.96 20,212.27
79 144.30 11,399.70 69.55 4,975.32 74.75 6,424.49 28,774.68 | 244.30 19,299.70 191.92 13,729.65 52.38 5,570.17 854.33 20,020.35
80 144.30 11,544.00 69.73 5,045.04 74.57 6,499.07 28,704.96 | 244.30 19,544.00 192.42 13,922.06 51.89 5,622.05 877.02 19,827.94
81 144.30 11,688.30 69.91 5,114.95 74.39 6,573.46 28,635.05 | 244.30 19,788.30 192.91 14,114.98 51.39 5,673.44 900.02 19,635.02
82 144.30 11,832.60 70.09 5,185.04 74.21 6,647.67 28,564.96 | 244.30 20,032.60 193.41 14,308.39 50.89 5,724.33 923.35 19,441.61
83 144.30 11,976.90 70.27 5,255.31 74.03 6,721.71 28,494.69 | 244.30 20,276.90 193.92 14,502.30 50.39 5,774.71 946.99 19,247.70
84 144.30 12,121.20 70.45 5,325.76 73.85 6,795.55 28,424.24 | 244.30 20,521.20 194.42 14,696.72 49.88 5,824.60 970.96 19,053.28
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
85 144.30 12,265.50 70.64 5,396.40 73.67 6,869.22 28,353.60 | 244.30 20,765.50 194.92 14,891.64 49.38 5,873.98 995.24 18,858.36
86 144.30 12,409.80 70.82 5,467.22 73.48 6,942.70 28,282.78 | 244.30 21,009.80 195.43 15,087.07 48.87 5,922.85 1,019.85 18,662.93
87 144.30 12,554.10 71.00 5,538.22 73.30 7,016.00 28,211.78 | 244.30 21,254.10 195.93 15,283.00 48.37 5,971.22 1,044.78 18,467.00
88 144.30 12,698.40 71.19 5,609.41 73.12 7,089.12 28,140.59 | 244.30 21,498.40 196.44 15,479.45 47.86 6,019.08 1,070.04 18,270.55
89 144.30 12,842.70 71.37 5,680.78 72.93 7,162.05 28,069.22 | 244.30 21,742.70 196.95 15,676.40 47.35 6,066.43 1,095.62 18,073.60
90 144.30 12,987.00 71.56 5,752.33 72.75 7,234.80 27,997.67 | 244.30 21,987.00 197.46 15,873.86 46.84 6,113.27 1,121.52 17,876.14
91 144.30 13,131.30 71.74 5,824.07 72.56 7,307.36 27,925.93 | 244.30 22,231.30 197.97 16,071.83 46.33 6,159.60 1,147.76 17,678.17
92 144.30 13,275.60 71.93 5,896.00 72.37 7,379.73 27,854.00 | 244.30 22,475.60 198.49 16,270.31 45.82 6,205.42 1,174.31 17,479.69
93 144.30 13,419.90 72.11 5,968.11 72.19 7,451.92 27,781.89 | 244.30 22,719.90 199.00 16,469.31 45.30 6,250.72 1,201.20 17,280.69
94 144.30 13,564.20 72.30 6,040.41 72.00 7,523.92 27,709.59 | 244.30 22,964.20 199.52 16,668.83 44.79 6,295.50 1,228.42 17,081.17
95 144.30 13,708.50 72.49 6,112.90 71.81 7,595.73 27,637.10 | 244.30 23,208.50 200.03 16,868.86 44.27 6,339.77 1,255.96 16,881.14
96 144.30 13,852.80 72.68 6,185.57 71.63 7,667.36 27,564.43 | 244.30 23,452.80 200.55 17,069.41 43.75 6,383.52 1,283.84 16,680.59
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
97 144.30 13,997.10 72.86 6,258.44 71.44 7,738.80 27,491.56 | 244.30 23,697.10 201.07 17,270.48 43.23 6,426.75 1,312.05 16,479.52
98 144.30 14,141.40 73.05 6,331.49 71.25 7,810.05 27,418.51 | 244.30 23,941.40 201.59 17,472.08 42.71 6,469.46 1,340.59 16,277.92
99 144.30 14,285.70 73.24 6,404.73 71.06 7,881.11 27,345.27 | 244.30 24,185.70 202.11 17,674.19 42.19 6,511.65 1,369.46 16,075.81
100 144.30 14,430.00 73.43 6,478.16 70.87 7,951.98 27,271.84 | 244.30 24,430.00 202.64 17,876.83 41.66 6,553.31 1,398.66 15,873.17
101 144.30 14,574.30 73.62 6,551.79 70.68 8,022.66 27,198.21 | 244.30 24,674.30 203.16 18,079.99 41.14 6,594.45 1,428.21 15,670.01
102 144.30 14,718.60 73.81 6,625.60 70.49 8,093.14 27,124.40 | 244.30 24,918.60 203.69 18,283.68 40.61 6,635.06 1,458.08 15,466.32
103 144.30 14,862.90 74.00 6,699.60 70.30 8,163.44 27,050.40 | 244.30 25,162.90 204.22 18,487.90 40.08 6,675.15 1,488.30 15,262.10
104 144.30 15,007.20 74.20 6,773.80 70.11 8,233.55 26,976.20 | 244.30 25,407.20 204.75 18,692.65 39.55 6,714.70 1,518.85 15,057.35
105 144.30 15,151.50 74.39 6,848.19 69.91 8,303.46 26,901.81 | 244.30 25,651.50 205.28 18,897.93 39.02 6,753.72 1,549.74 14,852.07
106 144.30 15,295.80 74.58 6,922.77 69.72 8,373.18 26,827.23 | 244.30 25,895.80 205.81 19,103.73 38.49 6,792.21 1,580.97 14,646.27
107 144.30 15,440.10 74.77 6,997.54 69.53 8,442.71 26,752.46 | 244.30 26,140.10 206.34 19,310.08 37.96 6,830.17 1,612.54 14,439.92
108 144.30 15,584.40 74.97 7,072.51 69.33 8,512.04 26,677.49 | 244.30 26,384.40 206.88 19,516.96 37.42 6,867.60 1,644.45 14,233.04
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
109 144.30 15,728.70 75.16 7,147.67 69.14 8,581.18 26,602.33 | 244.30 26,628.70 207.41 19,724.37 36.89 6,904.48 1,676.70 14,025.63
110 144.30 15,873.00 75.36 7,223.03 68.94 8,650.13 26,526.97 | 244.30 26,873.00 207.95 19,932.32 36.35 6,940.83 1,709.29 13,817.68
111 144.30 16,017.30 75.55 7,298.58 68.75 8,718.88 26,451.42 | 244.30 27,117.30 208.49 20,140.81 35.81 6,976.64 1,742.23 13,609.19
112 144.30 16,161.60 75.75 7,374.33 68.55 8,787.43 26,375.67 | 244.30 27,361.60 209.03 20,349.84 35.27 7,011.91 1,775.51 13,400.16
113 144.30 16,305.90 75.94 7,450.27 68.36 8,855.79 26,299.73 | 244.30 27,605.90 209.57 20,559.42 34.73 7,046.64 1,809.14 13,190.58
114 144.30 16,450.20 76.14 7,526.42 68.16 8,923.95 26,223.58 | 244.30 27,850.20 210.12 20,769.53 34.19 7,080.83 1,843.12 12,980.47
115 144.30 16,594.50 76.34 7,602.75 67.96 8,991.91 26,147.25 | 244.30 28,094.50 210.66 20,980.19 33.64 7,114.47 1,877.44 12,769.81
116 144.30 16,738.80 76.54 7,679.29 67.76 9,059.67 26,070.71 | 244.30 28,338.80 211.21 21,191.40 33.10 7,147.57 1,912.11 12,558.60
117 144.30 16,883.10 76.73 7,756.03 67.57 9,127.24 25,993.97 | 244.30 28,583.10 211.75 21,403.15 32.55 7,180.11 1,947.13 12,346.85
118 144.30 17,027.40 76.93 7,832.96 67.37 9,194.61 25,917.04 | 244.30 28,827.40 212.30 21,615.45 32.00 7,212.11 1,982.50 12,134.55
119 144.30 17,171.70 77.13 7,910.09 67.17 9,261.78 25,839.91 | 244.30 29,071.70 212.85 21,828.31 31.45 7,243.56 2,018.22 11,921.69
120 144.30 17,316.00 77.33 7,987.43 66.97 9,328.74 25,762.57 | 244.30 29,316.00 213.40 22,041.71 30.90 7,274.46 2,054.29 11,708.29
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
121 144.30 17,460.30 77.53 8,064.96 66.77 9,395.51 25,685.04 | 244.30 29,560.30 213.96 22,255.67 30.34 7,304.80 2,090.71 11,494.33
122 144.30 17,604.60 77.73 8,142.69 66.57 9,462.08 25,607.31 | 244.30 29,804.60 214.51 22,470.18 29.79 7,334.59 2,127.49 11,279.82
123 144.30 17,748.90 77.94 8,220.63 66.37 9,528.44 25,529.37 | 244.30 30,048.90 215.07 22,685.25 29.23 7,363.82 2,164.62 11,064.75
124 144.30 17,893.20 78.14 8,298.77 66.16 9,594.61 25,451.23 | 244.30 30,293.20 215.63 22,900.87 28.68 7,392.50 2,202.11 10,849.13
125 144.30 18,037.50 78.34 8,377.11 65.96 9,660.57 25,372.89 | 244.30 30,537.50 216.18 23,117.06 28.12 7,420.62 2,239.95 10,632.94
126 144.30 18,181.80 78.54 8,455.65 65.76 9,726.33 25,294.35 | 244.30 30,781.80 216.74 23,333.80 27.56 7,448.17 2,278.15 10,416.20
127 144.30 18,326.10 78.75 8,534.40 65.55 9,791.88 25,215.60 | 244.30 31,026.10 217.31 23,551.11 27.00 7,475.17 2,316.71 10,198.89
128 144.30 18,470.40 78.95 8,613.35 65.35 9,857.23 25,136.65 | 244.30 31,270.40 217.87 23,768.98 26.43 7,501.60 2,355.63 9,981.02
129 144.30 18,614.70 79.16 8,692.50 65.15 9,922.38 25,057.50 | 244.30 31,514.70 218.43 23,987.41 25.87 7,527.47 2,394.91 9,762.59
130 144.30 18,759.00 79.36 8,771.86 64.94 9,987.32 24,978.14 | 244.30 31,759.00 219.00 24,206.41 25.30 7,552.77 2,434.55 9,543.59
131 144.30 18,903.30 79.57 8,851.43 64.74 10,052.05 24,898.57 | 244.30 32,003.30 219.57 24,425.98 24.73 7,577.51 2,474.55 9,324.02
132 144.30 19,047.60 79.77 8,931.20 64.53 10,116.58 24,818.80 | 244.30 32,247.60 220.14 24,646.12 24.16 7,601.67 2,514.91 9,103.88
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
133 144.30 19,191.90 79.98 9,011.18 64.32 10,180.91 24,738.82 | 244.30 32,491.90 220.71 24,866.82 23.59 7,625.26 2,555.64 8,883.18
134 144.30 19,336.20 80.19 9,091.37 64.11 10,245.02 24,658.63 | 244.30 32,736.20 221.28 25,088.10 23.02 7,648.29 2,596.73 8,661.90
135 144.30 19,480.50 80.39 9,171.76 63.91 10,308.93 24,578.24 | 244.30 32,980.50 221.85 25,309.96 22.45 7,670.74 2,638.19 8,440.04
136 144.30 19,624.80 80.60 9,252.37 63.70 10,372.63 24,497.63 | 244.30 33,224.80 222.43 25,532.38 21.87 7,692.61 2,680.02 8,217.62
137 144.30 19,769.10 80.81 9,333.18 63.49 10,436.12 24,416.82 | 244.30 33,469.10 223.00 25,755.39 21.30 7,713.91 2,722.21 7,994.61
138 144.30 19,913.40 81.02 9,414.20 63.28 10,499.40 24,335.80 | 244.30 33,713.40 223.58 25,978.97 20.72 7,734.63 2,764.77 7,771.03
139 144.30 20,057.70 81.23 9,495.43 63.07 10,562.47 24,254.57 | 244.30 33,957.70 224.16 26,203.13 20.14 7,754.77 2,807.70 7,546.87
140 144.30 20,202.00 81.44 9,576.87 62.86 10,625.33 24,173.13 | 244.30 34,202.00 224.74 26,427.87 19.56 7,774.32 2,851.00 7,322.13
141 144.30 20,346.30 81.65 9,658.52 62.65 10,687.97 24,091.48 | 244.30 34,446.30 225.32 26,653.20 18.98 7,793.30 2,894.67 7,096.80
142 144.30 20,490.60 81.86 9,740.39 62.44 10,750.41 24,009.61 | 244.30 34,690.60 225.91 26,879.11 18.39 7,811.69 2,938.72 6,870.89
143 144.30 20,634.90 82.08 9,822.47 62.22 10,812.64 23,927.53 | 244.30 34,934.90 226.49 27,105.60 17.81 7,829.50 2,983.14 6,644.40
144 144.30 20,779.20 82.29 9,904.75 62.01 10,874.65 23,845.25 | 244.30 35,179.20 227.08 27,332.68 17.22 7,846.72 3,027.93 6,417.32
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
145 144.30 20,923.50 82.50 9,987.26 61.80 10,936.45 23,762.74 | 244.30 35,423.50 227.67 27,560.35 16.63 7,863.35 3,073.09 6,189.65
146 144.30 21,067.80 82.72 10,069.97 61.59 10,998.03 23,680.03 | 244.30 35,667.80 228.26 27,788.61 16.04 7,879.39 3,118.64 5,961.39
147 144.30 21,212.10 82.93 10,152.90 61.37 11,059.40 23,597.10 | 244.30 35,912.10 228.85 28,017.46 15.45 7,894.84 3,164.56 5,732.54
148 144.30 21,356.40 83.15 10,236.05 61.16 11,120.56 23,513.95 | 244.30 36,156.40 229.44 28,246.91 14.86 7,909.70 3,210.86 5,503.09
149 144.30 21,500.70 83.36 10,319.41 60.94 11,181.50 23,430.59 | 244.30 36,400.70 230.04 28,476.95 14.26 7,923.96 3,257.54 5,273.05
150 144.30 21,645.00 83.58 10,402.99 60.72 11,242.22 23,347.01 | 244.30 36,645.00 230.64 28,707.58 13.67 7,937.63 3,304.59 5,042.42
151 144.30 21,789.30 83.79 10,486.78 60.51 11,302.73 23,263.22 | 244.30 36,889.30 231.23 28,938.82 13.07 7,950.70 3,352.03 4,811.18
152 144.30 21,933.60 84.01 10,570.79 60.29 11,363.02 23,179.21 | 244.30 37,133.60 231.83 29,170.65 12.47 7,963.17 3,399.86 4,579.35
153 144.30 22,077.90 84.23 10,655.02 60.07 11,423.09 23,094.98 | 244.30 37,377.90 232.43 29,403.08 11.87 7,975.03 3,448.06 4,346.92
154 144.30 22,222.20 84.45 10,739.47 59.85 11,482.95 23,010.53 | 244.30 37,622.20 233.04 29,636.12 11.27 7,986.30 3,496.65 4,113.88
155 144.30 22,366.50 84.67 10,824.13 59.64 11,542.58 22,925.87 | 244.30 37,866.50 233.64 29,869.76 10.66 7,996.96 3,545.62 3,880.24
156 144.30 22,510.80 84.89 10,909.02 59.42 11,602.00 22,840.98 | 244.30 38,110.80 234.25 30,104.00 10.06 8,007.02 3,594.98 3,646.00
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
157 144.30 22,655.10 85.11 10,994.12 59.20 11,661.20 22,755.88 | 244.30 38,355.10 234.85 30,338.85 9.45 8,016.47 3,644.73 3,411.15
158 144.30 22,799.40 85.33 11,079.45 58.98 11,720.17 22,670.55 | 244.30 38,599.40 235.46 30,574.32 8.84 8,025.31 3,694.86 3,175.68
159 144.30 22,943.70 85.55 11,165.00 58.75 11,778.93 22,585.00 | 244.30 38,843.70 236.07 30,810.39 8.23 8,033.54 3,745.39 2,939.61
160 144.30 23,088.00 85.77 11,250.77 58.53 11,837.46 22,499.23 | 244.30 39,088.00 236.68 31,047.07 7.62 8,041.16 3,796.30 2,702.93
161 144.30 23,232.30 85.99 11,336.76 58.31 11,895.77 22,413.24 | 244.30 39,332.30 237.30 31,284.37 7.01 8,048.16 3,847.61 2,465.63
162 144.30 23,376.60 86.21 11,422.97 58.09 11,953.86 22,327.03 | 244.30 39,576.60 237.91 31,522.28 6.39 8,054.55 3,899.31 2,227.72
163 144.30 23,520.90 86.44 11,509.41 57.86 12,011.72 22,240.59 | 244.30 39,820.90 238.53 31,760.80 5.77 8,060.33 3,951.40 1,989.20
164 144.30 23,665.20 86.66 11,596.07 57.64 12,069.36 22,153.93 | 244.30 40,065.20 239.15 31,999.95 5.16 8,065.48 4,003.88 1,750.05
165 144.30 23,809.50 86.89 11,682.95 57.42 12,126.78 22,067.05 | 244.30 40,309.50 239.77 32,239.72 4.54 8,070.02 4,056.76 1,510.28
166 144.30 23,953.80 87.11 11,770.07 57.19 12,183.97 21,979.93 | 244.30 40,553.80 240.39 32,480.10 3.91 8,073.93 4,110.04 1,269.90
167 144.30 24,098.10 87.34 11,857.40 56.96 12,240.93 21,892.60 | 244.30 40,798.10 241.01 32,721.11 3.29 8,077.22 4,163.71 1,028.89
168 144.30 24,242.40 87.56 11,944.97 56.74 12,297.67 21,805.03 | 244.30 41,042.40 241.63 32,962.75 2.67 8,079.89 4,217.78 787.25
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
169 144.30 24,386.70 87.79 12,032.76 56.51 12,354.18 21,717.24 | 244.30 41,286.70 242.26 33,205.01 2.04 8,081.93 4,272.25 544.99
170 144.30 24,531.00 88.02 12,120.77 56.28 12,410.47 21,629.23 | 244.30 41,531.00 242.89 33,447.90 1.41 8,083.34 4,327.13 302.10
171 144.30 24,675.30 88.25 12,209.02 56.06 12,466.52 21,540.98 | 244.30 41,775.30 243.52 33,691.42 0.78 8,084.12 4,382.40 58.58
172 144.30 24,819.60 88.47 12,297.49 55.83 12,522.35 21,452.51 | 58.73 41,834.03 58.58 33,935.57 0.15 8,084.28 4,438.07 0.00

Loan Paid off in Year 14.

Total Interest Based on 30 Year Loan with No Extra Payment $18,198.51.

Total Interest Saved with Pre-Payment is $10,114.23