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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: $3,900

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
1 150.07 150.07 59.11 59.11 90.97 90.97 35,040.89 | 250.07 250.07 159.11 159.11 90.97 90.97 0.00 34,940.89
2 150.07 300.14 59.26 118.37 90.81 181.78 34,981.63 | 250.07 500.14 159.52 318.62 90.56 181.52 0.26 34,781.38
3 150.07 450.21 59.41 177.78 90.66 272.44 34,922.22 | 250.07 750.21 159.93 478.56 90.14 271.66 0.78 34,621.44
4 150.07 600.28 59.57 237.34 90.51 362.95 34,862.66 | 250.07 1,000.28 160.35 638.90 89.73 361.39 1.56 34,461.10
5 150.07 750.35 59.72 297.07 90.35 453.30 34,802.93 | 250.07 1,250.35 160.76 799.66 89.31 450.70 2.60 34,300.34
6 150.07 900.42 59.88 356.94 90.20 543.50 34,743.06 | 250.07 1,500.42 161.18 960.84 88.90 539.60 3.90 34,139.16
7 150.07 1,050.49 60.03 416.97 90.04 633.54 34,683.03 | 250.07 1,750.49 161.60 1,122.44 88.48 628.08 5.47 33,977.56
8 150.07 1,200.56 60.19 477.16 89.89 723.43 34,622.84 | 250.07 2,000.56 162.01 1,284.45 88.06 716.13 7.29 33,815.55
9 150.07 1,350.63 60.34 537.50 89.73 813.16 34,562.50 | 250.07 2,250.63 162.43 1,446.89 87.64 803.77 9.39 33,653.11
10 150.07 1,500.70 60.50 598.00 89.57 902.73 34,502.00 | 250.07 2,500.70 162.86 1,609.74 87.22 890.99 11.74 33,490.26
11 150.07 1,650.77 60.66 658.66 89.42 992.15 34,441.34 | 250.07 2,750.77 163.28 1,773.02 86.80 977.79 14.37 33,326.98
12 150.07 1,800.84 60.81 719.47 89.26 1,081.41 34,380.53 | 250.07 3,000.84 163.70 1,936.72 86.37 1,064.16 17.25 33,163.28
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
13 150.07 1,950.91 60.97 780.44 89.10 1,170.51 34,319.56 | 250.07 3,250.91 164.13 2,100.85 85.95 1,150.11 20.41 32,999.15
14 150.07 2,100.98 61.13 841.57 88.94 1,259.46 34,258.43 | 250.07 3,500.98 164.55 2,265.40 85.52 1,235.63 23.83 32,834.60
15 150.07 2,251.05 61.29 902.86 88.79 1,348.25 34,197.14 | 250.07 3,751.05 164.98 2,430.38 85.10 1,320.73 27.52 32,669.62
16 150.07 2,401.12 61.45 964.30 88.63 1,436.87 34,135.70 | 250.07 4,001.12 165.40 2,595.78 84.67 1,405.39 31.48 32,504.22
17 150.07 2,551.19 61.61 1,025.91 88.47 1,525.34 34,074.09 | 250.07 4,251.19 165.83 2,761.61 84.24 1,489.63 35.71 32,338.39
18 150.07 2,701.26 61.76 1,087.67 88.31 1,613.65 34,012.33 | 250.07 4,501.26 166.26 2,927.88 83.81 1,573.44 40.21 32,172.12
19 150.07 2,851.33 61.92 1,149.60 88.15 1,701.80 33,950.40 | 250.07 4,751.33 166.69 3,094.57 83.38 1,656.82 44.98 32,005.43
20 150.07 3,001.40 62.09 1,211.68 87.99 1,789.79 33,888.32 | 250.07 5,001.40 167.13 3,261.70 82.95 1,739.77 50.02 31,838.30
21 150.07 3,151.47 62.25 1,273.93 87.83 1,877.61 33,826.07 | 250.07 5,251.47 167.56 3,429.26 82.51 1,822.29 55.33 31,670.74
22 150.07 3,301.54 62.41 1,336.34 87.67 1,965.28 33,763.66 | 250.07 5,501.54 167.99 3,597.25 82.08 1,904.37 60.91 31,502.75
23 150.07 3,451.61 62.57 1,398.90 87.50 2,052.78 33,701.10 | 250.07 5,751.61 168.43 3,765.68 81.64 1,986.01 66.77 31,334.32
24 150.07 3,601.68 62.73 1,461.64 87.34 2,140.13 33,638.36 | 250.07 6,001.68 168.87 3,934.54 81.21 2,067.22 72.91 31,165.46
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
25 150.07 3,751.75 62.89 1,524.53 87.18 2,227.31 33,575.47 | 250.07 6,251.75 169.30 4,103.85 80.77 2,147.99 79.32 30,996.15
26 150.07 3,901.82 63.06 1,587.59 87.02 2,314.32 33,512.41 | 250.07 6,501.82 169.74 4,273.59 80.33 2,228.32 86.00 30,826.41
27 150.07 4,051.89 63.22 1,650.81 86.85 2,401.18 33,449.19 | 250.07 6,751.89 170.18 4,443.77 79.89 2,308.21 92.96 30,656.23
28 150.07 4,201.96 63.38 1,714.19 86.69 2,487.86 33,385.81 | 250.07 7,001.96 170.62 4,614.39 79.45 2,387.66 100.20 30,485.61
29 150.07 4,352.03 63.55 1,777.74 86.52 2,574.39 33,322.26 | 250.07 7,252.03 171.06 4,785.46 79.01 2,466.67 107.72 30,314.54
30 150.07 4,502.10 63.71 1,841.45 86.36 2,660.75 33,258.55 | 250.07 7,502.10 171.51 4,956.97 78.57 2,545.24 115.51 30,143.03
31 150.07 4,652.17 63.88 1,905.33 86.20 2,746.95 33,194.67 | 250.07 7,752.17 171.95 5,128.92 78.12 2,623.36 123.59 29,971.08
32 150.07 4,802.24 64.04 1,969.38 86.03 2,832.97 33,130.62 | 250.07 8,002.24 172.40 5,301.32 77.68 2,701.03 131.94 29,798.68
33 150.07 4,952.31 64.21 2,033.59 85.86 2,918.84 33,066.41 | 250.07 8,252.31 172.85 5,474.16 77.23 2,778.26 140.58 29,625.84
34 150.07 5,102.38 64.38 2,097.96 85.70 3,004.54 33,002.04 | 250.07 8,502.38 173.29 5,647.46 76.78 2,855.04 149.49 29,452.54
35 150.07 5,252.45 64.54 2,162.51 85.53 3,090.07 32,937.49 | 250.07 8,752.45 173.74 5,821.20 76.33 2,931.37 158.69 29,278.80
36 150.07 5,402.52 64.71 2,227.22 85.36 3,175.43 32,872.78 | 250.07 9,002.52 174.19 5,995.39 75.88 3,007.25 168.18 29,104.61
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
37 150.07 5,552.59 64.88 2,292.09 85.20 3,260.62 32,807.91 | 250.07 9,252.59 174.64 6,170.04 75.43 3,082.68 177.94 28,929.96
38 150.07 5,702.66 65.05 2,357.14 85.03 3,345.65 32,742.86 | 250.07 9,502.66 175.10 6,345.13 74.98 3,157.66 187.99 28,754.87
39 150.07 5,852.73 65.21 2,422.36 84.86 3,430.51 32,677.64 | 250.07 9,752.73 175.55 6,520.68 74.52 3,232.18 198.33 28,579.32
40 150.07 6,002.80 65.38 2,487.74 84.69 3,515.20 32,612.26 | 250.07 10,002.80 176.01 6,696.69 74.07 3,306.25 208.95 28,403.31
41 150.07 6,152.87 65.55 2,553.29 84.52 3,599.72 32,546.71 | 250.07 10,252.87 176.46 6,873.15 73.61 3,379.86 219.86 28,226.85
42 150.07 6,302.94 65.72 2,619.02 84.35 3,684.07 32,480.98 | 250.07 10,502.94 176.92 7,050.07 73.15 3,453.02 231.05 28,049.93
43 150.07 6,453.01 65.89 2,684.91 84.18 3,768.25 32,415.09 | 250.07 10,753.01 177.38 7,227.45 72.70 3,525.71 242.54 27,872.55
44 150.07 6,603.08 66.06 2,750.97 84.01 3,852.26 32,349.03 | 250.07 11,003.08 177.84 7,405.28 72.24 3,597.95 254.31 27,694.72
45 150.07 6,753.15 66.24 2,817.21 83.84 3,936.10 32,282.79 | 250.07 11,253.15 178.30 7,583.58 71.78 3,669.73 266.37 27,516.42
46 150.07 6,903.22 66.41 2,883.62 83.67 4,019.76 32,216.38 | 250.07 11,503.22 178.76 7,762.34 71.31 3,741.04 278.72 27,337.66
47 150.07 7,053.29 66.58 2,950.20 83.49 4,103.26 32,149.80 | 250.07 11,753.29 179.22 7,941.56 70.85 3,811.89 291.37 27,158.44
48 150.07 7,203.36 66.75 3,016.95 83.32 4,186.58 32,083.05 | 250.07 12,003.36 179.69 8,121.25 70.39 3,882.27 304.30 26,978.75
Year 4 Completed - Top of Page, Short Cuts
Month Payment Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Balance   Payment
Plus Extra		 Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Interest
Saved		 Balance
49 150.07 7,353.43 66.92 3,083.87 83.15 4,269.73 32,016.13 | 250.07 12,253.43 180.15 8,301.41 69.92 3,952.19 317.53 26,798.59
50 150.07 7,503.50 67.10 3,150.97 82.98 4,352.70 31,949.03 | 250.07 12,503.50 180.62 8,482.03 69.45 4,021.65 331.05 26,617.97
51 150.07 7,653.57 67.27 3,218.24 82.80 4,435.50 31,881.76 | 250.07 12,753.57 181.09 8,663.11 68.98 4,090.63 344.87 26,436.89
52 150.07 7,803.64 67.45 3,285.69 82.63 4,518.13 31,814.31 | 250.07 13,003.64 181.56 8,844.67 68.52 4,159.15 358.98 26,255.33
53 150.07 7,953.71 67.62 3,353.31 82.45 4,600.58 31,746.69 | 250.07 13,253.71 182.03 9,026.70 68.05 4,227.19 373.39 26,073.30
54 150.07 8,103.78 67.80 3,421.11 82.28 4,682.86 31,678.89 | 250.07 13,503.78 182.50 9,209.20 67.57 4,294.77 388.09 25,890.80
55 150.07 8,253.85 67.97 3,489.08 82.10 4,764.96 31,610.92 | 250.07 13,753.85 182.97 9,392.17 67.10 4,361.87 403.09 25,707.83
56 150.07 8,403.92 68.15 3,557.23 81.92 4,846.89 31,542.77 | 250.07 14,003.92 183.45 9,575.62 66.63 4,428.49 418.39 25,524.38
57 150.07 8,553.99 68.33 3,625.55 81.75 4,928.63 31,474.45 | 250.07 14,253.99 183.92 9,759.54 66.15 4,494.64 433.99 25,340.46
58 150.07 8,704.06 68.50 3,694.06 81.57 5,010.20 31,405.94 | 250.07 14,504.06 184.40 9,943.94 65.67 4,560.32 449.89 25,156.06
59 150.07 8,854.13 68.68 3,762.74 81.39 5,091.60 31,337.26 | 250.07 14,754.13 184.88 10,128.82 65.20 4,625.51 466.08 24,971.18
60 150.07 9,004.20 68.86 3,831.59 81.22 5,172.81 31,268.41 | 250.07 15,004.20 185.36 10,314.18 64.72 4,690.23 482.58 24,785.82
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
61 150.07 9,154.27 69.04 3,900.63 81.04 5,253.85 31,199.37 | 250.07 15,254.27 185.84 10,500.01 64.24 4,754.47 499.38 24,599.99
62 150.07 9,304.34 69.22 3,969.85 80.86 5,334.71 31,130.15 | 250.07 15,504.34 186.32 10,686.33 63.75 4,818.22 516.49 24,413.67
63 150.07 9,454.41 69.39 4,039.24 80.68 5,415.39 31,060.76 | 250.07 15,754.41 186.80 10,873.13 63.27 4,881.49 533.89 24,226.87
64 150.07 9,604.48 69.57 4,108.81 80.50 5,495.89 30,991.19 | 250.07 16,004.48 187.29 11,060.42 62.79 4,944.28 551.61 24,039.58
65 150.07 9,754.55 69.75 4,178.57 80.32 5,576.21 30,921.43 | 250.07 16,254.55 187.77 11,248.19 62.30 5,006.58 569.62 23,851.81
66 150.07 9,904.62 69.94 4,248.50 80.14 5,656.34 30,851.50 | 250.07 16,504.62 188.26 11,436.45 61.82 5,068.40 587.94 23,663.55
67 150.07 10,054.69 70.12 4,318.62 79.96 5,736.30 30,781.38 | 250.07 16,754.69 188.75 11,625.19 61.33 5,129.73 606.57 23,474.81
68 150.07 10,204.76 70.30 4,388.92 79.78 5,816.08 30,711.08 | 250.07 17,004.76 189.23 11,814.43 60.84 5,190.57 625.51 23,285.57
69 150.07 10,354.83 70.48 4,459.40 79.59 5,895.67 30,640.60 | 250.07 17,254.83 189.73 12,004.15 60.35 5,250.92 644.75 23,095.85
70 150.07 10,504.90 70.66 4,530.06 79.41 5,975.08 30,569.94 | 250.07 17,504.90 190.22 12,194.37 59.86 5,310.77 664.31 22,905.63
71 150.07 10,654.97 70.85 4,600.91 79.23 6,054.31 30,499.09 | 250.07 17,754.97 190.71 12,385.08 59.36 5,370.14 684.17 22,714.92
72 150.07 10,805.04 71.03 4,671.94 79.04 6,133.35 30,428.06 | 250.07 18,005.04 191.20 12,576.28 58.87 5,429.01 704.34 22,523.72
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
73 150.07 10,955.11 71.21 4,743.15 78.86 6,212.21 30,356.85 | 250.07 18,255.11 191.70 12,767.98 58.37 5,487.38 724.83 22,332.02
74 150.07 11,105.18 71.40 4,814.55 78.67 6,290.88 30,285.45 | 250.07 18,505.18 192.20 12,960.18 57.88 5,545.26 745.63 22,139.82
75 150.07 11,255.25 71.58 4,886.14 78.49 6,369.37 30,213.86 | 250.07 18,755.25 192.69 13,152.87 57.38 5,602.64 766.74 21,947.13
76 150.07 11,405.32 71.77 4,957.90 78.30 6,447.68 30,142.10 | 250.07 19,005.32 193.19 13,346.07 56.88 5,659.52 788.16 21,753.93
77 150.07 11,555.39 71.96 5,029.86 78.12 6,525.80 30,070.14 | 250.07 19,255.39 193.69 13,539.76 56.38 5,715.89 809.90 21,560.24
78 150.07 11,705.46 72.14 5,102.00 77.93 6,603.73 29,998.00 | 250.07 19,505.46 194.20 13,733.96 55.88 5,771.77 831.96 21,366.04
79 150.07 11,855.53 72.33 5,174.33 77.74 6,681.47 29,925.67 | 250.07 19,755.53 194.70 13,928.66 55.37 5,827.15 854.33 21,171.34
80 150.07 12,005.60 72.52 5,246.85 77.56 6,759.03 29,853.15 | 250.07 20,005.60 195.20 14,123.86 54.87 5,882.01 877.02 20,976.14
81 150.07 12,155.67 72.70 5,319.55 77.37 6,836.40 29,780.45 | 250.07 20,255.67 195.71 14,319.57 54.36 5,936.38 900.02 20,780.43
82 150.07 12,305.74 72.89 5,392.44 77.18 6,913.58 29,707.56 | 250.07 20,505.74 196.22 14,515.79 53.86 5,990.23 923.35 20,584.21
83 150.07 12,455.81 73.08 5,465.52 76.99 6,990.57 29,634.48 | 250.07 20,755.81 196.73 14,712.52 53.35 6,043.58 946.99 20,387.48
84 150.07 12,605.88 73.27 5,538.80 76.80 7,067.38 29,561.20 | 250.07 21,005.88 197.24 14,909.75 52.84 6,096.42 970.96 20,190.25
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
85 150.07 12,755.95 73.46 5,612.26 76.61 7,143.99 29,487.74 | 250.07 21,255.95 197.75 15,107.50 52.33 6,148.74 995.24 19,992.50
86 150.07 12,906.02 73.65 5,685.91 76.42 7,220.41 29,414.09 | 250.07 21,506.02 198.26 15,305.76 51.81 6,200.56 1,019.85 19,794.24
87 150.07 13,056.09 73.84 5,759.75 76.23 7,296.64 29,340.25 | 250.07 21,756.09 198.77 15,504.53 51.30 6,251.86 1,044.78 19,595.47
88 150.07 13,206.16 74.03 5,833.78 76.04 7,372.68 29,266.22 | 250.07 22,006.16 199.29 15,703.82 50.78 6,302.64 1,070.04 19,396.18
89 150.07 13,356.23 74.23 5,908.01 75.85 7,448.53 29,191.99 | 250.07 22,256.23 199.81 15,903.63 50.27 6,352.91 1,095.62 19,196.37
90 150.07 13,506.30 74.42 5,982.42 75.66 7,524.19 29,117.58 | 250.07 22,506.30 200.32 16,103.95 49.75 6,402.66 1,121.52 18,996.05
91 150.07 13,656.37 74.61 6,057.04 75.46 7,599.65 29,042.96 | 250.07 22,756.37 200.84 16,304.79 49.23 6,451.89 1,147.76 18,795.21
92 150.07 13,806.44 74.80 6,131.84 75.27 7,674.92 28,968.16 | 250.07 23,006.44 201.36 16,506.15 48.71 6,500.61 1,174.31 18,593.85
93 150.07 13,956.51 75.00 6,206.84 75.08 7,750.00 28,893.16 | 250.07 23,256.51 201.88 16,708.04 48.19 6,548.79 1,201.20 18,391.96
94 150.07 14,106.58 75.19 6,282.03 74.88 7,824.88 28,817.97 | 250.07 23,506.58 202.41 16,910.45 47.67 6,596.46 1,228.42 18,189.55
95 150.07 14,256.65 75.39 6,357.42 74.69 7,899.56 28,742.58 | 250.07 23,756.65 202.93 17,113.38 47.14 6,643.60 1,255.96 17,986.62
96 150.07 14,406.72 75.58 6,433.00 74.49 7,974.05 28,667.00 | 250.07 24,006.72 203.46 17,316.84 46.62 6,690.22 1,283.84 17,783.16
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
97 150.07 14,556.79 75.78 6,508.78 74.30 8,048.35 28,591.22 | 250.07 24,256.79 203.99 17,520.82 46.09 6,736.30 1,312.05 17,579.18
98 150.07 14,706.86 75.97 6,584.75 74.10 8,122.45 28,515.25 | 250.07 24,506.86 204.51 17,725.34 45.56 6,781.86 1,340.59 17,374.66
99 150.07 14,856.93 76.17 6,660.92 73.90 8,196.35 28,439.08 | 250.07 24,756.93 205.04 17,930.38 45.03 6,826.89 1,369.46 17,169.62
100 150.07 15,007.00 76.37 6,737.29 73.70 8,270.06 28,362.71 | 250.07 25,007.00 205.58 18,135.96 44.50 6,871.39 1,398.66 16,964.04
101 150.07 15,157.07 76.57 6,813.86 73.51 8,343.56 28,286.14 | 250.07 25,257.07 206.11 18,342.06 43.97 6,915.36 1,428.21 16,757.94
102 150.07 15,307.14 76.77 6,890.62 73.31 8,416.87 28,209.38 | 250.07 25,507.14 206.64 18,548.71 43.43 6,958.79 1,458.08 16,551.29
103 150.07 15,457.21 76.96 6,967.59 73.11 8,489.98 28,132.41 | 250.07 25,757.21 207.18 18,755.88 42.90 7,001.68 1,488.30 16,344.12
104 150.07 15,607.28 77.16 7,044.75 72.91 8,562.89 28,055.25 | 250.07 26,007.28 207.71 18,963.60 42.36 7,044.04 1,518.85 16,136.40
105 150.07 15,757.35 77.36 7,122.11 72.71 8,635.60 27,977.89 | 250.07 26,257.35 208.25 19,171.85 41.82 7,085.86 1,549.74 15,928.15
106 150.07 15,907.42 77.56 7,199.68 72.51 8,708.11 27,900.32 | 250.07 26,507.42 208.79 19,380.65 41.28 7,127.14 1,580.97 15,719.35
107 150.07 16,057.49 77.77 7,277.44 72.31 8,780.42 27,822.56 | 250.07 26,757.49 209.33 19,589.98 40.74 7,167.88 1,612.54 15,510.02
108 150.07 16,207.56 77.97 7,355.41 72.11 8,852.52 27,744.59 | 250.07 27,007.56 209.88 19,799.86 40.20 7,208.08 1,644.45 15,300.14
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
109 150.07 16,357.63 78.17 7,433.58 71.90 8,924.43 27,666.42 | 250.07 27,257.63 210.42 20,010.28 39.65 7,247.73 1,676.70 15,089.72
110 150.07 16,507.70 78.37 7,511.95 71.70 8,996.13 27,588.05 | 250.07 27,507.70 210.97 20,221.24 39.11 7,286.84 1,709.29 14,878.76
111 150.07 16,657.77 78.57 7,590.52 71.50 9,067.63 27,509.48 | 250.07 27,757.77 211.51 20,432.76 38.56 7,325.40 1,742.23 14,667.24
112 150.07 16,807.84 78.78 7,669.30 71.30 9,138.93 27,430.70 | 250.07 28,007.84 212.06 20,644.82 38.01 7,363.41 1,775.51 14,455.18
113 150.07 16,957.91 78.98 7,748.29 71.09 9,210.02 27,351.71 | 250.07 28,257.91 212.61 20,857.43 37.46 7,400.87 1,809.14 14,242.57
114 150.07 17,107.98 79.19 7,827.47 70.89 9,280.90 27,272.53 | 250.07 28,507.98 213.16 21,070.59 36.91 7,437.79 1,843.12 14,029.41
115 150.07 17,258.05 79.39 7,906.86 70.68 9,351.58 27,193.14 | 250.07 28,758.05 213.71 21,284.30 36.36 7,474.15 1,877.44 13,815.70
116 150.07 17,408.12 79.60 7,986.46 70.48 9,422.06 27,113.54 | 250.07 29,008.12 214.27 21,498.57 35.81 7,509.95 1,912.11 13,601.43
117 150.07 17,558.19 79.80 8,066.27 70.27 9,492.33 27,033.73 | 250.07 29,258.19 214.82 21,713.39 35.25 7,545.20 1,947.13 13,386.61
118 150.07 17,708.26 80.01 8,146.28 70.06 9,562.39 26,953.72 | 250.07 29,508.26 215.38 21,928.77 34.69 7,579.90 1,982.50 13,171.23
119 150.07 17,858.33 80.22 8,226.50 69.86 9,632.25 26,873.50 | 250.07 29,758.33 215.94 22,144.71 34.14 7,614.03 2,018.22 12,955.29
120 150.07 18,008.40 80.43 8,306.92 69.65 9,701.89 26,793.08 | 250.07 30,008.40 216.50 22,361.21 33.58 7,647.61 2,054.29 12,738.79
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
121 150.07 18,158.47 80.63 8,387.56 69.44 9,771.33 26,712.44 | 250.07 30,258.47 217.06 22,578.27 33.01 7,680.62 2,090.71 12,521.73
122 150.07 18,308.54 80.84 8,468.40 69.23 9,840.56 26,631.60 | 250.07 30,508.54 217.62 22,795.89 32.45 7,713.07 2,127.49 12,304.11
123 150.07 18,458.61 81.05 8,549.45 69.02 9,909.58 26,550.55 | 250.07 30,758.61 218.19 23,014.07 31.89 7,744.96 2,164.62 12,085.93
124 150.07 18,608.68 81.26 8,630.72 68.81 9,978.39 26,469.28 | 250.07 31,008.68 218.75 23,232.82 31.32 7,776.28 2,202.11 11,867.18
125 150.07 18,758.75 81.47 8,712.19 68.60 10,046.99 26,387.81 | 250.07 31,258.75 219.32 23,452.14 30.76 7,807.04 2,239.95 11,647.86
126 150.07 18,908.82 81.69 8,793.88 68.39 10,115.38 26,306.12 | 250.07 31,508.82 219.89 23,672.03 30.19 7,837.23 2,278.15 11,427.97
127 150.07 19,058.89 81.90 8,875.77 68.18 10,183.56 26,224.23 | 250.07 31,758.89 220.46 23,892.48 29.62 7,866.85 2,316.71 11,207.52
128 150.07 19,208.96 82.11 8,957.88 67.96 10,251.52 26,142.12 | 250.07 32,008.96 221.03 24,113.51 29.05 7,895.89 2,355.63 10,986.49
129 150.07 19,359.03 82.32 9,040.20 67.75 10,319.27 26,059.80 | 250.07 32,259.03 221.60 24,335.11 28.47 7,924.37 2,394.91 10,764.89
130 150.07 19,509.10 82.54 9,122.74 67.54 10,386.81 25,977.26 | 250.07 32,509.10 222.17 24,557.29 27.90 7,952.26 2,434.55 10,542.71
131 150.07 19,659.17 82.75 9,205.49 67.32 10,454.14 25,894.51 | 250.07 32,759.17 222.75 24,780.04 27.32 7,979.59 2,474.55 10,319.96
132 150.07 19,809.24 82.96 9,288.45 67.11 10,521.25 25,811.55 | 250.07 33,009.24 223.33 25,003.36 26.75 8,006.33 2,514.91 10,096.64
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
133 150.07 19,959.31 83.18 9,371.63 66.89 10,588.14 25,728.37 | 250.07 33,259.31 223.91 25,227.27 26.17 8,032.50 2,555.64 9,872.73
134 150.07 20,109.38 83.39 9,455.02 66.68 10,654.82 25,644.98 | 250.07 33,509.38 224.49 25,451.76 25.59 8,058.09 2,596.73 9,648.24
135 150.07 20,259.45 83.61 9,538.63 66.46 10,721.28 25,561.37 | 250.07 33,759.45 225.07 25,676.83 25.01 8,083.09 2,638.19 9,423.17
136 150.07 20,409.52 83.83 9,622.46 66.25 10,787.53 25,477.54 | 250.07 34,009.52 225.65 25,902.48 24.42 8,107.51 2,680.02 9,197.52
137 150.07 20,559.59 84.04 9,706.51 66.03 10,853.56 25,393.49 | 250.07 34,259.59 226.24 26,128.71 23.84 8,131.35 2,722.21 8,971.29
138 150.07 20,709.66 84.26 9,790.77 65.81 10,919.37 25,309.23 | 250.07 34,509.66 226.82 26,355.54 23.25 8,154.60 2,764.77 8,744.46
139 150.07 20,859.73 84.48 9,875.25 65.59 10,984.96 25,224.75 | 250.07 34,759.73 227.41 26,582.95 22.66 8,177.26 2,807.70 8,517.05
140 150.07 21,009.80 84.70 9,959.95 65.37 11,050.34 25,140.05 | 250.07 35,009.80 228.00 26,810.95 22.07 8,199.34 2,851.00 8,289.05
141 150.07 21,159.87 84.92 10,044.87 65.15 11,115.49 25,055.13 | 250.07 35,259.87 228.59 27,039.54 21.48 8,220.82 2,894.67 8,060.46
142 150.07 21,309.94 85.14 10,130.00 64.93 11,180.43 24,970.00 | 250.07 35,509.94 229.18 27,268.72 20.89 8,241.71 2,938.72 7,831.28
143 150.07 21,460.01 85.36 10,215.36 64.71 11,245.14 24,884.64 | 250.07 35,760.01 229.78 27,498.50 20.30 8,262.01 2,983.14 7,601.50
144 150.07 21,610.08 85.58 10,300.95 64.49 11,309.63 24,799.05 | 250.07 36,010.08 230.37 27,728.87 19.70 8,281.71 3,027.93 7,371.13
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
145 150.07 21,760.15 85.80 10,386.75 64.27 11,373.90 24,713.25 | 250.07 36,260.15 230.97 27,959.84 19.10 8,300.81 3,073.09 7,140.16
146 150.07 21,910.22 86.02 10,472.77 64.05 11,437.95 24,627.23 | 250.07 36,510.22 231.57 28,191.41 18.50 8,319.31 3,118.64 6,908.59
147 150.07 22,060.29 86.25 10,559.02 63.83 11,501.78 24,540.98 | 250.07 36,760.29 232.17 28,423.58 17.90 8,337.22 3,164.56 6,676.42
148 150.07 22,210.36 86.47 10,645.49 63.60 11,565.38 24,454.51 | 250.07 37,010.36 232.77 28,656.35 17.30 8,354.52 3,210.86 6,443.65
149 150.07 22,360.43 86.70 10,732.19 63.38 11,628.76 24,367.81 | 250.07 37,260.43 233.37 28,889.72 16.70 8,371.22 3,257.54 6,210.28
150 150.07 22,510.50 86.92 10,819.11 63.15 11,691.91 24,280.89 | 250.07 37,510.50 233.98 29,123.70 16.09 8,387.32 3,304.59 5,976.30
151 150.07 22,660.57 87.15 10,906.25 62.93 11,754.84 24,193.75 | 250.07 37,760.57 234.58 29,358.29 15.49 8,402.81 3,352.03 5,741.71
152 150.07 22,810.64 87.37 10,993.62 62.70 11,817.54 24,106.38 | 250.07 38,010.64 235.19 29,593.48 14.88 8,417.69 3,399.86 5,506.52
153 150.07 22,960.71 87.60 11,081.22 62.48 11,880.02 24,018.78 | 250.07 38,260.71 235.80 29,829.28 14.27 8,431.96 3,448.06 5,270.72
154 150.07 23,110.78 87.82 11,169.05 62.25 11,942.27 23,930.95 | 250.07 38,510.78 236.41 30,065.70 13.66 8,445.62 3,496.65 5,034.30
155 150.07 23,260.85 88.05 11,257.10 62.02 12,004.29 23,842.90 | 250.07 38,760.85 237.03 30,302.72 13.05 8,458.66 3,545.62 4,797.28
156 150.07 23,410.92 88.28 11,345.38 61.79 12,066.08 23,754.62 | 250.07 39,010.92 237.64 30,540.36 12.43 8,471.10 3,594.98 4,559.64
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
157 150.07 23,560.99 88.51 11,433.89 61.56 12,127.64 23,666.11 | 250.07 39,260.99 238.26 30,778.62 11.82 8,482.91 3,644.73 4,321.38
158 150.07 23,711.06 88.74 11,522.63 61.33 12,188.98 23,577.37 | 250.07 39,511.06 238.87 31,017.49 11.20 8,494.11 3,694.86 4,082.51
159 150.07 23,861.13 88.97 11,611.60 61.10 12,250.08 23,488.40 | 250.07 39,761.13 239.49 31,256.99 10.58 8,504.69 3,745.39 3,843.01
160 150.07 24,011.20 89.20 11,700.80 60.87 12,310.96 23,399.20 | 250.07 40,011.20 240.11 31,497.10 9.96 8,514.65 3,796.30 3,602.90
161 150.07 24,161.27 89.43 11,790.23 60.64 12,371.60 23,309.77 | 250.07 40,261.27 240.74 31,737.84 9.34 8,523.99 3,847.61 3,362.16
162 150.07 24,311.34 89.66 11,879.89 60.41 12,432.01 23,220.11 | 250.07 40,511.34 241.36 31,979.20 8.71 8,532.71 3,899.31 3,120.80
163 150.07 24,461.41 89.89 11,969.78 60.18 12,492.19 23,130.22 | 250.07 40,761.41 241.99 32,221.18 8.09 8,540.79 3,951.40 2,878.82
164 150.07 24,611.48 90.13 12,059.91 59.95 12,552.14 23,040.09 | 250.07 41,011.48 242.61 32,463.79 7.46 8,548.25 4,003.88 2,636.21
165 150.07 24,761.55 90.36 12,150.27 59.71 12,611.85 22,949.73 | 250.07 41,261.55 243.24 32,707.03 6.83 8,555.09 4,056.76 2,392.97
166 150.07 24,911.62 90.60 12,240.87 59.48 12,671.33 22,859.13 | 250.07 41,511.62 243.87 32,950.91 6.20 8,561.29 4,110.04 2,149.09
167 150.07 25,061.69 90.83 12,331.70 59.24 12,730.57 22,768.30 | 250.07 41,761.69 244.50 33,195.41 5.57 8,566.86 4,163.71 1,904.59
168 150.07 25,211.76 91.07 12,422.76 59.01 12,789.58 22,677.24 | 250.07 42,011.76 245.14 33,440.55 4.94 8,571.79 4,217.78 1,659.45
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
169 150.07 25,361.83 91.30 12,514.07 58.77 12,848.35 22,585.93 | 250.07 42,261.83 245.77 33,686.32 4.30 8,576.10 4,272.25 1,413.68
170 150.07 25,511.90 91.54 12,605.60 58.54 12,906.89 22,494.40 | 250.07 42,511.90 246.41 33,932.73 3.66 8,579.76 4,327.13 1,167.27
171 150.07 25,661.97 91.78 12,697.38 58.30 12,965.18 22,402.62 | 250.07 42,761.97 247.05 34,179.78 3.03 8,582.78 4,382.40 920.22
172 150.07 25,812.04 92.01 12,789.39 58.06 13,023.24 22,310.61 | 250.07 43,012.04 247.69 34,427.47 2.38 8,585.17 4,438.07 672.53
173 150.07 25,962.11 92.25 12,881.64 57.82 13,081.07 22,218.36 | 250.07 43,262.11 248.33 34,675.80 1.74 8,586.91 4,494.15 424.20
174 150.07 26,112.18 92.49 12,974.14 57.58 13,138.65 22,125.86 | 250.07 43,512.18 248.97 34,924.77 1.10 8,588.01 4,550.64 175.23
175 150.07 26,262.25 92.73 13,066.87 57.34 13,195.99 22,033.13 | 175.68 43,687.86 175.23 35,174.39 0.45 8,588.47 4,607.52 0.00

Loan Paid off in Year 15.

Total Interest Based on 30 Year Loan with No Extra Payment $18,926.45.

Total Interest Saved with Pre-Payment is $10,337.98