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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: $3,800

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
1 146.23 146.23 57.59 57.59 88.64 88.64 34,142.41 | 246.23 246.23 157.59 157.59 88.64 88.64 0.00 34,042.41
2 146.23 292.46 57.74 115.33 88.49 177.12 34,084.67 | 246.23 492.46 158.00 315.59 88.23 176.86 0.26 33,884.41
3 146.23 438.69 57.89 173.22 88.34 265.46 34,026.78 | 246.23 738.69 158.41 474.00 87.82 264.68 0.78 33,726.00
4 146.23 584.92 58.04 231.26 88.19 353.64 33,968.74 | 246.23 984.92 158.82 632.82 87.41 352.09 1.56 33,567.18
5 146.23 731.15 58.19 289.45 88.04 441.68 33,910.55 | 246.23 1,231.15 159.23 792.05 86.99 439.08 2.60 33,407.95
6 146.23 877.38 58.34 347.79 87.88 529.56 33,852.21 | 246.23 1,477.38 159.64 951.69 86.58 525.66 3.90 33,248.31
7 146.23 1,023.61 58.49 406.28 87.73 617.30 33,793.72 | 246.23 1,723.61 160.06 1,111.75 86.17 611.83 5.47 33,088.25
8 146.23 1,169.84 58.64 464.92 87.58 704.88 33,735.08 | 246.23 1,969.84 160.47 1,272.22 85.75 697.58 7.29 32,927.78
9 146.23 1,316.07 58.80 523.72 87.43 792.31 33,676.28 | 246.23 2,216.07 160.89 1,433.11 85.34 782.92 9.39 32,766.89
10 146.23 1,462.30 58.95 582.67 87.28 879.59 33,617.33 | 246.23 2,462.30 161.30 1,594.41 84.92 867.84 11.74 32,605.59
11 146.23 1,608.53 59.10 641.77 87.12 966.71 33,558.23 | 246.23 2,708.53 161.72 1,756.13 84.50 952.35 14.37 32,443.87
12 146.23 1,754.76 59.25 701.02 86.97 1,053.68 33,498.98 | 246.23 2,954.76 162.14 1,918.28 84.08 1,036.43 17.25 32,281.72
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
13 146.23 1,900.99 59.41 760.43 86.82 1,140.50 33,439.57 | 246.23 3,200.99 162.56 2,080.84 83.66 1,120.09 20.41 32,119.16
14 146.23 2,047.22 59.56 819.99 86.66 1,227.17 33,380.01 | 246.23 3,447.22 162.98 2,243.82 83.24 1,203.34 23.83 31,956.18
15 146.23 2,193.45 59.72 879.71 86.51 1,313.68 33,320.29 | 246.23 3,693.45 163.41 2,407.23 82.82 1,286.16 27.52 31,792.77
16 146.23 2,339.68 59.87 939.58 86.36 1,400.03 33,260.42 | 246.23 3,939.68 163.83 2,571.06 82.40 1,368.55 31.48 31,628.94
17 146.23 2,485.91 60.03 999.60 86.20 1,486.23 33,200.40 | 246.23 4,185.91 164.25 2,735.31 81.97 1,450.52 35.71 31,464.69
18 146.23 2,632.14 60.18 1,059.78 86.04 1,572.28 33,140.22 | 246.23 4,432.14 164.68 2,899.99 81.55 1,532.07 40.21 31,300.01
19 146.23 2,778.37 60.34 1,120.12 85.89 1,658.16 33,079.88 | 246.23 4,678.37 165.11 3,065.09 81.12 1,613.19 44.98 31,134.91
20 146.23 2,924.60 60.49 1,180.61 85.73 1,743.90 33,019.39 | 246.23 4,924.60 165.53 3,230.63 80.69 1,693.88 50.02 30,969.37
21 146.23 3,070.83 60.65 1,241.26 85.58 1,829.47 32,958.74 | 246.23 5,170.83 165.96 3,396.59 80.26 1,774.14 55.33 30,803.41
22 146.23 3,217.06 60.81 1,302.07 85.42 1,914.89 32,897.93 | 246.23 5,417.06 166.39 3,562.99 79.83 1,853.97 60.91 30,637.01
23 146.23 3,363.29 60.96 1,363.04 85.26 2,000.15 32,836.96 | 246.23 5,663.29 166.82 3,729.81 79.40 1,933.38 66.77 30,470.19
24 146.23 3,509.52 61.12 1,424.16 85.10 2,085.25 32,775.84 | 246.23 5,909.52 167.26 3,897.07 78.97 2,012.34 72.91 30,302.93
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
25 146.23 3,655.75 61.28 1,485.44 84.94 2,170.20 32,714.56 | 246.23 6,155.75 167.69 4,064.76 78.54 2,090.88 79.32 30,135.24
26 146.23 3,801.98 61.44 1,546.88 84.79 2,254.98 32,653.12 | 246.23 6,401.98 168.12 4,232.88 78.10 2,168.98 86.00 29,967.12
27 146.23 3,948.21 61.60 1,608.48 84.63 2,339.61 32,591.52 | 246.23 6,648.21 168.56 4,401.44 77.66 2,246.64 92.96 29,798.56
28 146.23 4,094.44 61.76 1,670.24 84.47 2,424.07 32,529.76 | 246.23 6,894.44 169.00 4,570.44 77.23 2,323.87 100.20 29,629.56
29 146.23 4,240.67 61.92 1,732.16 84.31 2,508.38 32,467.84 | 246.23 7,140.67 169.44 4,739.88 76.79 2,400.66 107.72 29,460.12
30 146.23 4,386.90 62.08 1,794.24 84.15 2,592.53 32,405.76 | 246.23 7,386.90 169.87 4,909.75 76.35 2,477.01 115.51 29,290.25
31 146.23 4,533.13 62.24 1,856.48 83.98 2,676.51 32,343.52 | 246.23 7,633.13 170.31 5,080.06 75.91 2,552.92 123.59 29,119.94
32 146.23 4,679.36 62.40 1,918.88 83.82 2,760.33 32,281.12 | 246.23 7,879.36 170.76 5,250.82 75.47 2,628.39 131.94 28,949.18
33 146.23 4,825.59 62.56 1,981.44 83.66 2,844.00 32,218.56 | 246.23 8,125.59 171.20 5,422.02 75.03 2,703.42 140.58 28,777.98
34 146.23 4,971.82 62.73 2,044.17 83.50 2,927.50 32,155.83 | 246.23 8,371.82 171.64 5,593.66 74.58 2,778.00 149.49 28,606.34
35 146.23 5,118.05 62.89 2,107.06 83.34 3,010.83 32,092.94 | 246.23 8,618.05 172.09 5,765.75 74.14 2,852.14 158.69 28,434.25
36 146.23 5,264.28 63.05 2,170.11 83.17 3,094.01 32,029.89 | 246.23 8,864.28 172.53 5,938.28 73.69 2,925.83 168.18 28,261.72
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
37 146.23 5,410.51 63.21 2,233.32 83.01 3,177.02 31,966.68 | 246.23 9,110.51 172.98 6,111.26 73.24 2,999.08 177.94 28,088.74
38 146.23 5,556.74 63.38 2,296.70 82.85 3,259.87 31,903.30 | 246.23 9,356.74 173.43 6,284.69 72.80 3,071.87 187.99 27,915.31
39 146.23 5,702.97 63.54 2,360.24 82.68 3,342.55 31,839.76 | 246.23 9,602.97 173.88 6,458.57 72.35 3,144.22 198.33 27,741.43
40 146.23 5,849.20 63.71 2,423.95 82.52 3,425.07 31,776.05 | 246.23 9,849.20 174.33 6,632.90 71.90 3,216.12 208.95 27,567.10
41 146.23 5,995.43 63.87 2,487.82 82.35 3,507.42 31,712.18 | 246.23 10,095.43 174.78 6,807.68 71.44 3,287.56 219.86 27,392.32
42 146.23 6,141.66 64.04 2,551.86 82.19 3,589.61 31,648.14 | 246.23 10,341.66 175.23 6,982.91 70.99 3,358.55 231.05 27,217.09
43 146.23 6,287.89 64.20 2,616.07 82.02 3,671.63 31,583.93 | 246.23 10,587.89 175.69 7,158.60 70.54 3,429.09 242.54 27,041.40
44 146.23 6,434.12 64.37 2,680.44 81.86 3,753.48 31,519.56 | 246.23 10,834.12 176.14 7,334.74 70.08 3,499.17 254.31 26,865.26
45 146.23 6,580.35 64.54 2,744.97 81.69 3,835.17 31,455.03 | 246.23 11,080.35 176.60 7,511.34 69.63 3,568.80 266.37 26,688.66
46 146.23 6,726.58 64.70 2,809.68 81.52 3,916.69 31,390.32 | 246.23 11,326.58 177.06 7,688.40 69.17 3,637.97 278.72 26,511.60
47 146.23 6,872.81 64.87 2,874.55 81.35 3,998.04 31,325.45 | 246.23 11,572.81 177.52 7,865.92 68.71 3,706.68 291.37 26,334.08
48 146.23 7,019.04 65.04 2,939.59 81.19 4,079.23 31,260.41 | 246.23 11,819.04 177.98 8,043.89 68.25 3,774.93 304.30 26,156.11
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
49 146.23 7,165.27 65.21 3,004.80 81.02 4,160.25 31,195.20 | 246.23 12,065.27 178.44 8,222.33 67.79 3,842.71 317.53 25,977.67
50 146.23 7,311.50 65.38 3,070.18 80.85 4,241.09 31,129.82 | 246.23 12,311.50 178.90 8,401.23 67.33 3,910.04 331.05 25,798.77
51 146.23 7,457.73 65.55 3,135.72 80.68 4,321.77 31,064.28 | 246.23 12,557.73 179.36 8,580.60 66.86 3,976.90 344.87 25,619.40
52 146.23 7,603.96 65.72 3,201.44 80.51 4,402.28 30,998.56 | 246.23 12,803.96 179.83 8,760.42 66.40 4,043.30 358.98 25,439.58
53 146.23 7,750.19 65.89 3,267.33 80.34 4,482.62 30,932.67 | 246.23 13,050.19 180.29 8,940.72 65.93 4,109.23 373.39 25,259.28
54 146.23 7,896.42 66.06 3,333.39 80.17 4,562.79 30,866.61 | 246.23 13,296.42 180.76 9,121.48 65.46 4,174.69 388.09 25,078.52
55 146.23 8,042.65 66.23 3,399.62 80.00 4,642.78 30,800.38 | 246.23 13,542.65 181.23 9,302.71 65.00 4,239.69 403.09 24,897.29
56 146.23 8,188.88 66.40 3,466.02 79.82 4,722.61 30,733.98 | 246.23 13,788.88 181.70 9,484.41 64.53 4,304.21 418.39 24,715.59
57 146.23 8,335.11 66.57 3,532.59 79.65 4,802.26 30,667.41 | 246.23 14,035.11 182.17 9,666.58 64.05 4,368.27 433.99 24,533.42
58 146.23 8,481.34 66.75 3,599.34 79.48 4,881.74 30,600.66 | 246.23 14,281.34 182.64 9,849.22 63.58 4,431.85 449.89 24,350.78
59 146.23 8,627.57 66.92 3,666.26 79.31 4,961.04 30,533.74 | 246.23 14,527.57 183.12 10,032.34 63.11 4,494.96 466.08 24,167.66
60 146.23 8,773.80 67.09 3,733.35 79.13 5,040.18 30,466.65 | 246.23 14,773.80 183.59 10,215.93 62.63 4,557.59 482.58 23,984.07
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
61 146.23 8,920.03 67.27 3,800.61 78.96 5,119.14 30,399.39 | 246.23 15,020.03 184.07 10,400.00 62.16 4,619.75 499.38 23,800.00
62 146.23 9,066.26 67.44 3,868.05 78.79 5,197.92 30,331.95 | 246.23 15,266.26 184.54 10,584.54 61.68 4,681.43 516.49 23,615.46
63 146.23 9,212.49 67.62 3,935.67 78.61 5,276.53 30,264.33 | 246.23 15,512.49 185.02 10,769.56 61.20 4,742.64 533.89 23,430.44
64 146.23 9,358.72 67.79 4,003.46 78.44 5,354.97 30,196.54 | 246.23 15,758.72 185.50 10,955.07 60.72 4,803.36 551.61 23,244.93
65 146.23 9,504.95 67.97 4,071.43 78.26 5,433.23 30,128.57 | 246.23 16,004.95 185.98 11,141.05 60.24 4,863.60 569.62 23,058.95
66 146.23 9,651.18 68.14 4,139.57 78.08 5,511.31 30,060.43 | 246.23 16,251.18 186.46 11,327.51 59.76 4,923.37 587.94 22,872.49
67 146.23 9,797.41 68.32 4,207.89 77.91 5,589.22 29,992.11 | 246.23 16,497.41 186.95 11,514.46 59.28 4,982.64 606.57 22,685.54
68 146.23 9,943.64 68.50 4,276.38 77.73 5,666.95 29,923.62 | 246.23 16,743.64 187.43 11,701.89 58.79 5,041.44 625.51 22,498.11
69 146.23 10,089.87 68.67 4,345.06 77.55 5,744.50 29,854.94 | 246.23 16,989.87 187.92 11,889.81 58.31 5,099.74 644.75 22,310.19
70 146.23 10,236.10 68.85 4,413.91 77.37 5,821.87 29,786.09 | 246.23 17,236.10 188.40 12,078.21 57.82 5,157.57 664.31 22,121.79
71 146.23 10,382.33 69.03 4,482.94 77.20 5,899.07 29,717.06 | 246.23 17,482.33 188.89 12,267.11 57.33 5,214.90 684.17 21,932.89
72 146.23 10,528.56 69.21 4,552.15 77.02 5,976.08 29,647.85 | 246.23 17,728.56 189.38 12,456.49 56.84 5,271.74 704.34 21,743.51
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
73 146.23 10,674.79 69.39 4,621.53 76.84 6,052.92 29,578.47 | 246.23 17,974.79 189.87 12,646.36 56.35 5,328.09 724.83 21,553.64
74 146.23 10,821.02 69.57 4,691.10 76.66 6,129.58 29,508.90 | 246.23 18,221.02 190.37 12,836.73 55.86 5,383.95 745.63 21,363.27
75 146.23 10,967.25 69.75 4,760.85 76.48 6,206.06 29,439.15 | 246.23 18,467.25 190.86 13,027.59 55.37 5,439.32 766.74 21,172.41
76 146.23 11,113.48 69.93 4,830.78 76.30 6,282.35 29,369.22 | 246.23 18,713.48 191.35 13,218.94 54.87 5,494.19 788.16 20,981.06
77 146.23 11,259.71 70.11 4,900.89 76.12 6,358.47 29,299.11 | 246.23 18,959.71 191.85 13,410.79 54.38 5,548.57 809.90 20,789.21
78 146.23 11,405.94 70.29 4,971.18 75.93 6,434.40 29,228.82 | 246.23 19,205.94 192.35 13,603.14 53.88 5,602.45 831.96 20,596.86
79 146.23 11,552.17 70.47 5,041.66 75.75 6,510.15 29,158.34 | 246.23 19,452.17 192.85 13,795.98 53.38 5,655.83 854.33 20,404.02
80 146.23 11,698.40 70.66 5,112.31 75.57 6,585.72 29,087.69 | 246.23 19,698.40 193.35 13,989.33 52.88 5,708.71 877.02 20,210.67
81 146.23 11,844.63 70.84 5,183.15 75.39 6,661.11 29,016.85 | 246.23 19,944.63 193.85 14,183.17 52.38 5,761.09 900.02 20,016.83
82 146.23 11,990.86 71.02 5,254.18 75.20 6,736.31 28,945.82 | 246.23 20,190.86 194.35 14,377.52 51.88 5,812.96 923.35 19,822.48
83 146.23 12,137.09 71.21 5,325.38 75.02 6,811.33 28,874.62 | 246.23 20,437.09 194.85 14,572.38 51.37 5,864.34 946.99 19,627.62
84 146.23 12,283.32 71.39 5,396.77 74.83 6,886.16 28,803.23 | 246.23 20,683.32 195.36 14,767.73 50.87 5,915.20 970.96 19,432.27
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
85 146.23 12,429.55 71.58 5,468.35 74.65 6,960.81 28,731.65 | 246.23 20,929.55 195.86 14,963.60 50.36 5,965.57 995.24 19,236.40
86 146.23 12,575.78 71.76 5,540.11 74.46 7,035.27 28,659.89 | 246.23 21,175.78 196.37 15,159.97 49.85 6,015.42 1,019.85 19,040.03
87 146.23 12,722.01 71.95 5,612.06 74.28 7,109.55 28,587.94 | 246.23 21,422.01 196.88 15,356.85 49.35 6,064.77 1,044.78 18,843.15
88 146.23 12,868.24 72.14 5,684.20 74.09 7,183.64 28,515.80 | 246.23 21,668.24 197.39 15,554.24 48.84 6,113.60 1,070.04 18,645.76
89 146.23 13,014.47 72.32 5,756.52 73.90 7,257.54 28,443.48 | 246.23 21,914.47 197.90 15,752.14 48.32 6,161.92 1,095.62 18,447.86
90 146.23 13,160.70 72.51 5,829.03 73.72 7,331.26 28,370.97 | 246.23 22,160.70 198.41 15,950.55 47.81 6,209.73 1,121.52 18,249.45
91 146.23 13,306.93 72.70 5,901.73 73.53 7,404.79 28,298.27 | 246.23 22,406.93 198.93 16,149.48 47.30 6,257.03 1,147.76 18,050.52
92 146.23 13,453.16 72.89 5,974.61 73.34 7,478.13 28,225.39 | 246.23 22,653.16 199.44 16,348.93 46.78 6,303.81 1,174.31 17,851.07
93 146.23 13,599.39 73.07 6,047.69 73.15 7,551.28 28,152.31 | 246.23 22,899.39 199.96 16,548.89 46.26 6,350.08 1,201.20 17,651.11
94 146.23 13,745.62 73.26 6,120.95 72.96 7,624.24 28,079.05 | 246.23 23,145.62 200.48 16,749.37 45.75 6,395.82 1,228.42 17,450.63
95 146.23 13,891.85 73.45 6,194.40 72.77 7,697.01 28,005.60 | 246.23 23,391.85 201.00 16,950.37 45.23 6,441.05 1,255.96 17,249.63
96 146.23 14,038.08 73.64 6,268.05 72.58 7,769.59 27,931.95 | 246.23 23,638.08 201.52 17,151.89 44.71 6,485.75 1,283.84 17,048.11
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
97 146.23 14,184.31 73.84 6,341.88 72.39 7,841.98 27,858.12 | 246.23 23,884.31 202.04 17,353.93 44.18 6,529.94 1,312.05 16,846.07
98 146.23 14,330.54 74.03 6,415.91 72.20 7,914.18 27,784.09 | 246.23 24,130.54 202.57 17,556.50 43.66 6,573.60 1,340.59 16,643.50
99 146.23 14,476.77 74.22 6,490.13 72.01 7,986.19 27,709.87 | 246.23 24,376.77 203.09 17,759.59 43.13 6,616.73 1,369.46 16,440.41
100 146.23 14,623.00 74.41 6,564.54 71.81 8,058.00 27,635.46 | 246.23 24,623.00 203.62 17,963.20 42.61 6,659.34 1,398.66 16,236.80
101 146.23 14,769.23 74.60 6,639.14 71.62 8,129.62 27,560.86 | 246.23 24,869.23 204.15 18,167.35 42.08 6,701.42 1,428.21 16,032.65
102 146.23 14,915.46 74.80 6,713.94 71.43 8,201.05 27,486.06 | 246.23 25,115.46 204.67 18,372.02 41.55 6,742.97 1,458.08 15,827.98
103 146.23 15,061.69 74.99 6,788.93 71.23 8,272.29 27,411.07 | 246.23 25,361.69 205.20 18,577.23 41.02 6,783.99 1,488.30 15,622.77
104 146.23 15,207.92 75.19 6,864.12 71.04 8,343.33 27,335.88 | 246.23 25,607.92 205.74 18,782.96 40.49 6,824.48 1,518.85 15,417.04
105 146.23 15,354.15 75.38 6,939.50 70.85 8,414.17 27,260.50 | 246.23 25,854.15 206.27 18,989.23 39.96 6,864.44 1,549.74 15,210.77
106 146.23 15,500.38 75.58 7,015.07 70.65 8,484.82 27,184.93 | 246.23 26,100.38 206.80 19,196.04 39.42 6,903.86 1,580.97 15,003.96
107 146.23 15,646.61 75.77 7,090.84 70.45 8,555.28 27,109.16 | 246.23 26,346.61 207.34 19,403.38 38.89 6,942.74 1,612.54 14,796.62
108 146.23 15,792.84 75.97 7,166.81 70.26 8,625.54 27,033.19 | 246.23 26,592.84 207.88 19,611.26 38.35 6,981.09 1,644.45 14,588.74
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
109 146.23 15,939.07 76.16 7,242.97 70.06 8,695.60 26,957.03 | 246.23 26,839.07 208.42 19,819.67 37.81 7,018.90 1,676.70 14,380.33
110 146.23 16,085.30 76.36 7,319.34 69.86 8,765.46 26,880.66 | 246.23 27,085.30 208.96 20,028.63 37.27 7,056.17 1,709.29 14,171.37
111 146.23 16,231.53 76.56 7,395.90 69.67 8,835.13 26,804.10 | 246.23 27,331.53 209.50 20,238.13 36.73 7,092.90 1,742.23 13,961.87
112 146.23 16,377.76 76.76 7,472.65 69.47 8,904.59 26,727.35 | 246.23 27,577.76 210.04 20,448.17 36.18 7,129.08 1,775.51 13,751.83
113 146.23 16,523.99 76.96 7,549.61 69.27 8,973.86 26,650.39 | 246.23 27,823.99 210.59 20,658.75 35.64 7,164.72 1,809.14 13,541.25
114 146.23 16,670.22 77.16 7,626.77 69.07 9,042.93 26,573.23 | 246.23 28,070.22 211.13 20,869.88 35.09 7,199.81 1,843.12 13,330.12
115 146.23 16,816.45 77.36 7,704.12 68.87 9,111.80 26,495.88 | 246.23 28,316.45 211.68 21,081.56 34.55 7,234.36 1,877.44 13,118.44
116 146.23 16,962.68 77.56 7,781.68 68.67 9,180.47 26,418.32 | 246.23 28,562.68 212.23 21,293.79 34.00 7,268.36 1,912.11 12,906.21
117 146.23 17,108.91 77.76 7,859.44 68.47 9,248.94 26,340.56 | 246.23 28,808.91 212.78 21,506.57 33.45 7,301.81 1,947.13 12,693.43
118 146.23 17,255.14 77.96 7,937.40 68.27 9,317.20 26,262.60 | 246.23 29,055.14 213.33 21,719.89 32.90 7,334.71 1,982.50 12,480.11
119 146.23 17,401.37 78.16 8,015.56 68.06 9,385.27 26,184.44 | 246.23 29,301.37 213.88 21,933.78 32.34 7,367.05 2,018.22 12,266.22
120 146.23 17,547.60 78.36 8,093.92 67.86 9,453.13 26,106.08 | 246.23 29,547.60 214.44 22,148.21 31.79 7,398.84 2,054.29 12,051.79
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
121 146.23 17,693.83 78.57 8,172.49 67.66 9,520.79 26,027.51 | 246.23 29,793.83 214.99 22,363.20 31.23 7,430.07 2,090.71 11,836.80
122 146.23 17,840.06 78.77 8,251.26 67.45 9,588.24 25,948.74 | 246.23 30,040.06 215.55 22,578.75 30.68 7,460.75 2,127.49 11,621.25
123 146.23 17,986.29 78.97 8,330.24 67.25 9,655.49 25,869.76 | 246.23 30,286.29 216.11 22,794.86 30.12 7,490.87 2,164.62 11,405.14
124 146.23 18,132.52 79.18 8,409.42 67.05 9,722.54 25,790.58 | 246.23 30,532.52 216.67 23,011.52 29.56 7,520.43 2,202.11 11,188.48
125 146.23 18,278.75 79.38 8,488.80 66.84 9,789.38 25,711.20 | 246.23 30,778.75 217.23 23,228.75 29.00 7,549.43 2,239.95 10,971.25
126 146.23 18,424.98 79.59 8,568.39 66.63 9,856.01 25,631.61 | 246.23 31,024.98 217.79 23,446.54 28.43 7,577.86 2,278.15 10,753.46
127 146.23 18,571.21 79.80 8,648.19 66.43 9,922.44 25,551.81 | 246.23 31,271.21 218.36 23,664.90 27.87 7,605.73 2,316.71 10,535.10
128 146.23 18,717.44 80.00 8,728.19 66.22 9,988.66 25,471.81 | 246.23 31,517.44 218.92 23,883.82 27.30 7,633.03 2,355.63 10,316.18
129 146.23 18,863.67 80.21 8,808.40 66.01 10,054.68 25,391.60 | 246.23 31,763.67 219.49 24,103.31 26.74 7,659.77 2,394.91 10,096.69
130 146.23 19,009.90 80.42 8,888.82 65.81 10,120.48 25,311.18 | 246.23 32,009.90 220.06 24,323.37 26.17 7,685.94 2,434.55 9,876.63
131 146.23 19,156.13 80.63 8,969.45 65.60 10,186.08 25,230.55 | 246.23 32,256.13 220.63 24,544.00 25.60 7,711.53 2,474.55 9,656.00
132 146.23 19,302.36 80.84 9,050.29 65.39 10,251.47 25,149.71 | 246.23 32,502.36 221.20 24,765.20 25.03 7,736.56 2,514.91 9,434.80
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
133 146.23 19,448.59 81.05 9,131.33 65.18 10,316.65 25,068.67 | 246.23 32,748.59 221.77 24,986.97 24.45 7,761.01 2,555.64 9,213.03
134 146.23 19,594.82 81.26 9,212.59 64.97 10,381.62 24,987.41 | 246.23 32,994.82 222.35 25,209.32 23.88 7,784.89 2,596.73 8,990.68
135 146.23 19,741.05 81.47 9,294.05 64.76 10,446.38 24,905.95 | 246.23 33,241.05 222.92 25,432.25 23.30 7,808.19 2,638.19 8,767.75
136 146.23 19,887.28 81.68 9,375.73 64.55 10,510.93 24,824.27 | 246.23 33,487.28 223.50 25,655.75 22.72 7,830.91 2,680.02 8,544.25
137 146.23 20,033.51 81.89 9,457.62 64.34 10,575.26 24,742.38 | 246.23 33,733.51 224.08 25,879.83 22.14 7,853.05 2,722.21 8,320.17
138 146.23 20,179.74 82.10 9,539.72 64.12 10,639.39 24,660.28 | 246.23 33,979.74 224.66 26,104.49 21.56 7,874.62 2,764.77 8,095.51
139 146.23 20,325.97 82.31 9,622.04 63.91 10,703.30 24,577.96 | 246.23 34,225.97 225.24 26,329.74 20.98 7,895.60 2,807.70 7,870.26
140 146.23 20,472.20 82.53 9,704.56 63.70 10,767.00 24,495.44 | 246.23 34,472.20 225.83 26,555.56 20.40 7,916.00 2,851.00 7,644.44
141 146.23 20,618.43 82.74 9,787.31 63.48 10,830.48 24,412.69 | 246.23 34,718.43 226.41 26,781.98 19.81 7,935.81 2,894.67 7,418.02
142 146.23 20,764.66 82.96 9,870.26 63.27 10,893.75 24,329.74 | 246.23 34,964.66 227.00 27,008.98 19.23 7,955.03 2,938.72 7,191.02
143 146.23 20,910.89 83.17 9,953.43 63.05 10,956.80 24,246.57 | 246.23 35,210.89 227.59 27,236.57 18.64 7,973.67 2,983.14 6,963.43
144 146.23 21,057.12 83.39 10,036.82 62.84 11,019.64 24,163.18 | 246.23 35,457.12 228.18 27,464.75 18.05 7,991.72 3,027.93 6,735.25
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
145 146.23 21,203.35 83.60 10,120.42 62.62 11,082.27 24,079.58 | 246.23 35,703.35 228.77 27,693.52 17.46 8,009.17 3,073.09 6,506.48
146 146.23 21,349.58 83.82 10,204.24 62.41 11,144.67 23,995.76 | 246.23 35,949.58 229.36 27,922.88 16.86 8,026.03 3,118.64 6,277.12
147 146.23 21,495.81 84.04 10,288.28 62.19 11,206.86 23,911.72 | 246.23 36,195.81 229.96 28,152.84 16.27 8,042.30 3,164.56 6,047.16
148 146.23 21,642.04 84.25 10,372.53 61.97 11,268.83 23,827.47 | 246.23 36,442.04 230.55 28,383.39 15.67 8,057.97 3,210.86 5,816.61
149 146.23 21,788.27 84.47 10,457.00 61.75 11,330.59 23,743.00 | 246.23 36,688.27 231.15 28,614.54 15.07 8,073.05 3,257.54 5,585.46
150 146.23 21,934.50 84.69 10,541.69 61.53 11,392.12 23,658.31 | 246.23 36,934.50 231.75 28,846.29 14.48 8,087.52 3,304.59 5,353.71
151 146.23 22,080.73 84.91 10,626.61 61.31 11,453.43 23,573.39 | 246.23 37,180.73 232.35 29,078.64 13.88 8,101.40 3,352.03 5,121.36
152 146.23 22,226.96 85.13 10,711.74 61.09 11,514.53 23,488.26 | 246.23 37,426.96 232.95 29,311.59 13.27 8,114.67 3,399.86 4,888.41
153 146.23 22,373.19 85.35 10,797.09 60.87 11,575.40 23,402.91 | 246.23 37,673.19 233.56 29,545.15 12.67 8,127.34 3,448.06 4,654.85
154 146.23 22,519.42 85.57 10,882.66 60.65 11,636.05 23,317.34 | 246.23 37,919.42 234.16 29,779.31 12.06 8,139.41 3,496.65 4,420.69
155 146.23 22,665.65 85.79 10,968.46 60.43 11,696.49 23,231.54 | 246.23 38,165.65 234.77 30,014.08 11.46 8,150.86 3,545.62 4,185.92
156 146.23 22,811.88 86.02 11,054.47 60.21 11,756.69 23,145.53 | 246.23 38,411.88 235.38 30,249.46 10.85 8,161.71 3,594.98 3,950.54
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
157 146.23 22,958.11 86.24 11,140.71 59.99 11,816.68 23,059.29 | 246.23 38,658.11 235.99 30,485.44 10.24 8,171.95 3,644.73 3,714.56
158 146.23 23,104.34 86.46 11,227.18 59.76 11,876.44 22,972.82 | 246.23 38,904.34 236.60 30,722.04 9.63 8,181.58 3,694.86 3,477.96
159 146.23 23,250.57 86.69 11,313.86 59.54 11,935.98 22,886.14 | 246.23 39,150.57 237.21 30,959.25 9.01 8,190.59 3,745.39 3,240.75
160 146.23 23,396.80 86.91 11,400.78 59.31 11,995.29 22,799.22 | 246.23 39,396.80 237.83 31,197.08 8.40 8,198.99 3,796.30 3,002.92
161 146.23 23,543.03 87.14 11,487.91 59.09 12,054.38 22,712.09 | 246.23 39,643.03 238.44 31,435.52 7.78 8,206.77 3,847.61 2,764.48
162 146.23 23,689.26 87.36 11,575.28 58.86 12,113.24 22,624.72 | 246.23 39,889.26 239.06 31,674.58 7.16 8,213.94 3,899.31 2,525.42
163 146.23 23,835.49 87.59 11,662.87 58.64 12,171.88 22,537.13 | 246.23 40,135.49 239.68 31,914.26 6.55 8,220.48 3,951.40 2,285.74
164 146.23 23,981.72 87.82 11,750.68 58.41 12,230.29 22,449.32 | 246.23 40,381.72 240.30 32,154.57 5.92 8,226.41 4,003.88 2,045.43
165 146.23 24,127.95 88.04 11,838.73 58.18 12,288.47 22,361.27 | 246.23 40,627.95 240.92 32,395.49 5.30 8,231.71 4,056.76 1,804.51
166 146.23 24,274.18 88.27 11,927.00 57.95 12,346.42 22,273.00 | 246.23 40,874.18 241.55 32,637.04 4.68 8,236.38 4,110.04 1,562.96
167 146.23 24,420.41 88.50 12,015.50 57.72 12,404.15 22,184.50 | 246.23 41,120.41 242.17 32,879.21 4.05 8,240.43 4,163.71 1,320.79
168 146.23 24,566.64 88.73 12,104.23 57.49 12,461.64 22,095.77 | 246.23 41,366.64 242.80 33,122.02 3.42 8,243.86 4,217.78 1,077.98
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
169 146.23 24,712.87 88.96 12,193.19 57.26 12,518.91 22,006.81 | 246.23 41,612.87 243.43 33,365.45 2.79 8,246.65 4,272.25 834.55
170 146.23 24,859.10 89.19 12,282.38 57.03 12,575.94 21,917.62 | 246.23 41,859.10 244.06 33,609.51 2.16 8,248.81 4,327.13 590.49
171 146.23 25,005.33 89.42 12,371.81 56.80 12,632.74 21,828.19 | 246.23 42,105.33 244.70 33,854.20 1.53 8,250.34 4,382.40 345.80
172 146.23 25,151.56 89.65 12,461.46 56.57 12,689.31 21,738.54 | 246.23 42,351.56 245.33 34,099.53 0.90 8,251.24 4,438.07 100.47
173 146.23 25,297.79 89.89 12,551.35 56.34 12,745.65 21,648.65 | 100.73 42,452.29 100.47 34,345.50 0.26 8,251.50 4,494.15 0.00

Loan Paid off in Year 14.

Total Interest Based on 30 Year Loan with No Extra Payment $18,441.15.

Total Interest Saved with Pre-Payment is $10,189.65