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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: $4,000

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
1 153.92 153.92 60.62 60.62 93.30 93.30 35,939.38 | 253.92 253.92 160.62 160.62 93.30 93.30 0.00 35,839.38
2 153.92 307.84 60.78 121.40 93.14 186.44 35,878.60 | 253.92 507.84 161.04 321.66 92.88 186.18 0.26 35,678.34
3 153.92 461.76 60.94 182.34 92.99 279.43 35,817.66 | 253.92 761.76 161.46 483.11 92.47 278.65 0.78 35,516.89
4 153.92 615.68 61.09 243.43 92.83 372.26 35,756.57 | 253.92 1,015.68 161.87 644.99 92.05 370.70 1.56 35,355.01
5 153.92 769.60 61.25 304.68 92.67 464.92 35,695.32 | 253.92 1,269.60 162.29 807.28 91.63 462.33 2.60 35,192.72
6 153.92 923.52 61.41 366.09 92.51 557.44 35,633.91 | 253.92 1,523.52 162.71 969.99 91.21 553.53 3.90 35,030.01
7 153.92 1,077.44 61.57 427.66 92.35 649.79 35,572.34 | 253.92 1,777.44 163.14 1,133.13 90.79 644.32 5.47 34,866.87
8 153.92 1,231.36 61.73 489.39 92.19 741.98 35,510.61 | 253.92 2,031.36 163.56 1,296.69 90.36 734.68 7.29 34,703.31
9 153.92 1,385.28 61.89 551.28 92.03 834.01 35,448.72 | 253.92 2,285.28 163.98 1,460.67 89.94 824.62 9.39 34,539.33
10 153.92 1,539.20 62.05 613.33 91.87 925.88 35,386.67 | 253.92 2,539.20 164.41 1,625.08 89.51 914.14 11.74 34,374.92
11 153.92 1,693.12 62.21 675.55 91.71 1,017.59 35,324.45 | 253.92 2,793.12 164.83 1,789.91 89.09 1,003.23 14.37 34,210.09
12 153.92 1,847.04 62.37 737.92 91.55 1,109.14 35,262.08 | 253.92 3,047.04 165.26 1,955.17 88.66 1,091.89 17.25 34,044.83
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
13 153.92 2,000.96 62.53 800.45 91.39 1,200.53 35,199.55 | 253.92 3,300.96 165.69 2,120.86 88.23 1,180.12 20.41 33,879.14
14 153.92 2,154.88 62.70 863.15 91.23 1,291.75 35,136.85 | 253.92 3,554.88 166.12 2,286.98 87.80 1,267.92 23.83 33,713.02
15 153.92 2,308.80 62.86 926.01 91.06 1,382.82 35,073.99 | 253.92 3,808.80 166.55 2,453.53 87.37 1,355.30 27.52 33,546.47
16 153.92 2,462.72 63.02 989.03 90.90 1,473.72 35,010.97 | 253.92 4,062.72 166.98 2,620.51 86.94 1,442.24 31.48 33,379.49
17 153.92 2,616.64 63.18 1,052.21 90.74 1,564.45 34,947.79 | 253.92 4,316.64 167.41 2,787.92 86.51 1,528.75 35.71 33,212.08
18 153.92 2,770.56 63.35 1,115.56 90.57 1,655.03 34,884.44 | 253.92 4,570.56 167.85 2,955.77 86.07 1,614.82 40.21 33,044.23
19 153.92 2,924.48 63.51 1,179.07 90.41 1,745.44 34,820.93 | 253.92 4,824.48 168.28 3,124.05 85.64 1,700.46 44.98 32,875.95
20 153.92 3,078.40 63.68 1,242.75 90.24 1,835.68 34,757.25 | 253.92 5,078.40 168.72 3,292.77 85.20 1,785.66 50.02 32,707.23
21 153.92 3,232.32 63.84 1,306.59 90.08 1,925.76 34,693.41 | 253.92 5,332.32 169.16 3,461.92 84.77 1,870.43 55.33 32,538.08
22 153.92 3,386.24 64.01 1,370.60 89.91 2,015.67 34,629.40 | 253.92 5,586.24 169.59 3,631.52 84.33 1,954.76 60.91 32,368.48
23 153.92 3,540.16 64.17 1,434.77 89.75 2,105.42 34,565.23 | 253.92 5,840.16 170.03 3,801.55 83.89 2,038.65 66.77 32,198.45
24 153.92 3,694.08 64.34 1,499.11 89.58 2,195.00 34,500.89 | 253.92 6,094.08 170.47 3,972.02 83.45 2,122.09 72.91 32,027.98
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
25 153.92 3,848.00 64.51 1,563.62 89.41 2,284.42 34,436.38 | 253.92 6,348.00 170.92 4,142.94 83.01 2,205.10 79.32 31,857.06
26 153.92 4,001.92 64.67 1,628.29 89.25 2,373.66 34,371.71 | 253.92 6,601.92 171.36 4,314.30 82.56 2,287.66 86.00 31,685.70
27 153.92 4,155.84 64.84 1,693.14 89.08 2,462.74 34,306.86 | 253.92 6,855.84 171.80 4,486.10 82.12 2,369.78 92.96 31,513.90
28 153.92 4,309.76 65.01 1,758.15 88.91 2,551.66 34,241.85 | 253.92 7,109.76 172.25 4,658.35 81.67 2,451.45 100.20 31,341.65
29 153.92 4,463.68 65.18 1,823.32 88.74 2,640.40 34,176.68 | 253.92 7,363.68 172.69 4,831.04 81.23 2,532.68 107.72 31,168.96
30 153.92 4,617.60 65.35 1,888.67 88.57 2,728.97 34,111.33 | 253.92 7,617.60 173.14 5,004.18 80.78 2,613.46 115.51 30,995.82
31 153.92 4,771.52 65.52 1,954.19 88.41 2,817.38 34,045.81 | 253.92 7,871.52 173.59 5,177.77 80.33 2,693.79 123.59 30,822.23
32 153.92 4,925.44 65.69 2,019.87 88.24 2,905.61 33,980.13 | 253.92 8,125.44 174.04 5,351.81 79.88 2,773.67 131.94 30,648.19
33 153.92 5,079.36 65.86 2,085.73 88.07 2,993.68 33,914.27 | 253.92 8,379.36 174.49 5,526.31 79.43 2,853.10 140.58 30,473.69
34 153.92 5,233.28 66.03 2,151.76 87.89 3,081.57 33,848.24 | 253.92 8,633.28 174.94 5,701.25 78.98 2,932.08 149.49 30,298.75
35 153.92 5,387.20 66.20 2,217.95 87.72 3,169.30 33,782.05 | 253.92 8,887.20 175.40 5,876.65 78.52 3,010.61 158.69 30,123.35
36 153.92 5,541.12 66.37 2,284.32 87.55 3,256.85 33,715.68 | 253.92 9,141.12 175.85 6,052.50 78.07 3,088.67 168.18 29,947.50
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
37 153.92 5,695.04 66.54 2,350.87 87.38 3,344.23 33,649.13 | 253.92 9,395.04 176.31 6,228.81 77.61 3,166.29 177.94 29,771.19
38 153.92 5,848.96 66.71 2,417.58 87.21 3,431.44 33,582.42 | 253.92 9,648.96 176.76 6,405.57 77.16 3,243.45 187.99 29,594.43
39 153.92 6,002.88 66.89 2,484.47 87.03 3,518.47 33,515.53 | 253.92 9,902.88 177.22 6,582.79 76.70 3,320.14 198.33 29,417.21
40 153.92 6,156.80 67.06 2,551.53 86.86 3,605.33 33,448.47 | 253.92 10,156.80 177.68 6,760.48 76.24 3,396.38 208.95 29,239.52
41 153.92 6,310.72 67.23 2,618.76 86.69 3,692.02 33,381.24 | 253.92 10,410.72 178.14 6,938.62 75.78 3,472.16 219.86 29,061.38
42 153.92 6,464.64 67.41 2,686.17 86.51 3,778.53 33,313.83 | 253.92 10,664.64 178.60 7,117.22 75.32 3,547.48 231.05 28,882.78
43 153.92 6,618.56 67.58 2,753.75 86.34 3,864.87 33,246.25 | 253.92 10,918.56 179.07 7,296.29 74.85 3,622.34 242.54 28,703.71
44 153.92 6,772.48 67.76 2,821.51 86.16 3,951.03 33,178.49 | 253.92 11,172.48 179.53 7,475.82 74.39 3,696.73 254.31 28,524.18
45 153.92 6,926.40 67.93 2,889.45 85.99 4,037.02 33,110.55 | 253.92 11,426.40 180.00 7,655.82 73.93 3,770.65 266.37 28,344.18
46 153.92 7,080.32 68.11 2,957.56 85.81 4,122.83 33,042.44 | 253.92 11,680.32 180.46 7,836.28 73.46 3,844.11 278.72 28,163.72
47 153.92 7,234.24 68.29 3,025.84 85.64 4,208.47 32,974.16 | 253.92 11,934.24 180.93 8,017.21 72.99 3,917.10 291.37 27,982.79
48 153.92 7,388.16 68.46 3,094.31 85.46 4,293.93 32,905.69 | 253.92 12,188.16 181.40 8,198.61 72.52 3,989.62 304.30 27,801.39
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
49 153.92 7,542.08 68.64 3,162.95 85.28 4,379.21 32,837.05 | 253.92 12,442.08 181.87 8,380.48 72.05 4,061.67 317.53 27,619.52
50 153.92 7,696.00 68.82 3,231.77 85.10 4,464.31 32,768.23 | 253.92 12,696.00 182.34 8,562.82 71.58 4,133.26 331.05 27,437.18
51 153.92 7,849.92 69.00 3,300.76 84.92 4,549.23 32,699.24 | 253.92 12,949.92 182.81 8,745.63 71.11 4,204.36 344.87 27,254.37
52 153.92 8,003.84 69.18 3,369.94 84.75 4,633.98 32,630.06 | 253.92 13,203.84 183.29 8,928.92 70.63 4,275.00 358.98 27,071.08
53 153.92 8,157.76 69.36 3,439.29 84.57 4,718.55 32,560.71 | 253.92 13,457.76 183.76 9,112.68 70.16 4,345.16 373.39 26,887.32
54 153.92 8,311.68 69.54 3,508.83 84.39 4,802.93 32,491.17 | 253.92 13,711.68 184.24 9,296.92 69.68 4,414.84 388.09 26,703.08
55 153.92 8,465.60 69.72 3,578.54 84.21 4,887.14 32,421.46 | 253.92 13,965.60 184.72 9,481.64 69.21 4,484.05 403.09 26,518.36
56 153.92 8,619.52 69.90 3,648.44 84.03 4,971.16 32,351.56 | 253.92 14,219.52 185.19 9,666.83 68.73 4,552.77 418.39 26,333.17
57 153.92 8,773.44 70.08 3,718.52 83.84 5,055.01 32,281.48 | 253.92 14,473.44 185.67 9,852.51 68.25 4,621.02 433.99 26,147.49
58 153.92 8,927.36 70.26 3,788.78 83.66 5,138.67 32,211.22 | 253.92 14,727.36 186.16 10,038.66 67.77 4,688.78 449.89 25,961.34
59 153.92 9,081.28 70.44 3,859.22 83.48 5,222.15 32,140.78 | 253.92 14,981.28 186.64 10,225.30 67.28 4,756.07 466.08 25,774.70
60 153.92 9,235.20 70.62 3,929.84 83.30 5,305.45 32,070.16 | 253.92 15,235.20 187.12 10,412.42 66.80 4,822.87 482.58 25,587.58
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
61 153.92 9,389.12 70.81 4,000.65 83.12 5,388.57 31,999.35 | 253.92 15,489.12 187.61 10,600.03 66.31 4,889.18 499.38 25,399.97
62 153.92 9,543.04 70.99 4,071.64 82.93 5,471.50 31,928.36 | 253.92 15,743.04 188.09 10,788.12 65.83 4,955.01 516.49 25,211.88
63 153.92 9,696.96 71.17 4,142.81 82.75 5,554.24 31,857.19 | 253.92 15,996.96 188.58 10,976.70 65.34 5,020.35 533.89 25,023.30
64 153.92 9,850.88 71.36 4,214.17 82.56 5,636.81 31,785.83 | 253.92 16,250.88 189.07 11,165.77 64.85 5,085.20 551.61 24,834.23
65 153.92 10,004.80 71.54 4,285.71 82.38 5,719.19 31,714.29 | 253.92 16,504.80 189.56 11,355.33 64.36 5,149.56 569.62 24,644.67
66 153.92 10,158.72 71.73 4,357.44 82.19 5,801.38 31,642.56 | 253.92 16,758.72 190.05 11,545.38 63.87 5,213.44 587.94 24,454.62
67 153.92 10,312.64 71.91 4,429.35 82.01 5,883.39 31,570.65 | 253.92 17,012.64 190.54 11,735.93 63.38 5,276.81 606.57 24,264.07
68 153.92 10,466.56 72.10 4,501.46 81.82 5,965.21 31,498.54 | 253.92 17,266.56 191.04 11,926.96 62.88 5,339.70 625.51 24,073.04
69 153.92 10,620.48 72.29 4,573.74 81.63 6,046.84 31,426.26 | 253.92 17,520.48 191.53 12,118.50 62.39 5,402.09 644.75 23,881.50
70 153.92 10,774.40 72.48 4,646.22 81.45 6,128.29 31,353.78 | 253.92 17,774.40 192.03 12,310.53 61.89 5,463.98 664.31 23,689.47
71 153.92 10,928.32 72.66 4,718.88 81.26 6,209.55 31,281.12 | 253.92 18,028.32 192.53 12,503.05 61.40 5,525.38 684.17 23,496.95
72 153.92 11,082.24 72.85 4,791.73 81.07 6,290.62 31,208.27 | 253.92 18,282.24 193.03 12,696.08 60.90 5,586.27 704.34 23,303.92
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
73 153.92 11,236.16 73.04 4,864.77 80.88 6,371.50 31,135.23 | 253.92 18,536.16 193.53 12,889.60 60.40 5,646.67 724.83 23,110.40
74 153.92 11,390.08 73.23 4,938.00 80.69 6,452.19 31,062.00 | 253.92 18,790.08 194.03 13,083.63 59.89 5,706.56 745.63 22,916.37
75 153.92 11,544.00 73.42 5,011.42 80.50 6,532.69 30,988.58 | 253.92 19,044.00 194.53 13,278.16 59.39 5,765.95 766.74 22,721.84
76 153.92 11,697.92 73.61 5,085.03 80.31 6,613.00 30,914.97 | 253.92 19,297.92 195.03 13,473.19 58.89 5,824.84 788.16 22,526.81
77 153.92 11,851.84 73.80 5,158.83 80.12 6,693.13 30,841.17 | 253.92 19,551.84 195.54 13,668.73 58.38 5,883.22 809.90 22,331.27
78 153.92 12,005.76 73.99 5,232.82 79.93 6,773.06 30,767.18 | 253.92 19,805.76 196.05 13,864.78 57.88 5,941.10 831.96 22,135.22
79 153.92 12,159.68 74.18 5,307.01 79.74 6,852.79 30,692.99 | 253.92 20,059.68 196.55 14,061.33 57.37 5,998.47 854.33 21,938.67
80 153.92 12,313.60 74.38 5,381.38 79.55 6,932.34 30,618.62 | 253.92 20,313.60 197.06 14,258.40 56.86 6,055.32 877.02 21,741.60
81 153.92 12,467.52 74.57 5,455.95 79.35 7,011.69 30,544.05 | 253.92 20,567.52 197.57 14,455.97 56.35 6,111.67 900.02 21,544.03
82 153.92 12,621.44 74.76 5,530.71 79.16 7,090.85 30,469.29 | 253.92 20,821.44 198.09 14,654.06 55.83 6,167.50 923.35 21,345.94
83 153.92 12,775.36 74.96 5,605.67 78.97 7,169.82 30,394.33 | 253.92 21,075.36 198.60 14,852.66 55.32 6,222.83 946.99 21,147.34
84 153.92 12,929.28 75.15 5,680.82 78.77 7,248.59 30,319.18 | 253.92 21,329.28 199.11 15,051.77 54.81 6,277.63 970.96 20,948.23
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
85 153.92 13,083.20 75.34 5,756.16 78.58 7,327.17 30,243.84 | 253.92 21,583.20 199.63 15,251.40 54.29 6,331.92 995.24 20,748.60
86 153.92 13,237.12 75.54 5,831.70 78.38 7,405.55 30,168.30 | 253.92 21,837.12 200.15 15,451.55 53.77 6,385.70 1,019.85 20,548.45
87 153.92 13,391.04 75.74 5,907.43 78.19 7,483.74 30,092.57 | 253.92 22,091.04 200.67 15,652.22 53.25 6,438.95 1,044.78 20,347.78
88 153.92 13,544.96 75.93 5,983.37 77.99 7,561.73 30,016.63 | 253.92 22,344.96 201.19 15,853.41 52.73 6,491.69 1,070.04 20,146.59
89 153.92 13,698.88 76.13 6,059.49 77.79 7,639.52 29,940.51 | 253.92 22,598.88 201.71 16,055.11 52.21 6,543.90 1,095.62 19,944.89
90 153.92 13,852.80 76.33 6,135.82 77.60 7,717.11 29,864.18 | 253.92 22,852.80 202.23 16,257.34 51.69 6,595.59 1,121.52 19,742.66
91 153.92 14,006.72 76.52 6,212.34 77.40 7,794.51 29,787.66 | 253.92 23,106.72 202.76 16,460.10 51.17 6,646.76 1,147.76 19,539.90
92 153.92 14,160.64 76.72 6,289.07 77.20 7,871.71 29,710.93 | 253.92 23,360.64 203.28 16,663.38 50.64 6,697.40 1,174.31 19,336.62
93 153.92 14,314.56 76.92 6,365.99 77.00 7,948.71 29,634.01 | 253.92 23,614.56 203.81 16,867.19 50.11 6,747.51 1,201.20 19,132.81
94 153.92 14,468.48 77.12 6,443.11 76.80 8,025.51 29,556.89 | 253.92 23,868.48 204.34 17,071.52 49.59 6,797.10 1,228.42 18,928.48
95 153.92 14,622.40 77.32 6,520.43 76.60 8,102.12 29,479.57 | 253.92 24,122.40 204.87 17,276.39 49.06 6,846.15 1,255.96 18,723.61
96 153.92 14,776.32 77.52 6,597.95 76.40 8,178.52 29,402.05 | 253.92 24,376.32 205.40 17,481.78 48.53 6,894.68 1,283.84 18,518.22
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
97 153.92 14,930.24 77.72 6,675.67 76.20 8,254.72 29,324.33 | 253.92 24,630.24 205.93 17,687.71 47.99 6,942.67 1,312.05 18,312.29
98 153.92 15,084.16 77.92 6,753.59 76.00 8,330.72 29,246.41 | 253.92 24,884.16 206.46 17,894.18 47.46 6,990.13 1,340.59 18,105.82
99 153.92 15,238.08 78.12 6,831.71 75.80 8,406.51 29,168.29 | 253.92 25,138.08 207.00 18,101.17 46.92 7,037.06 1,369.46 17,898.83
100 153.92 15,392.00 78.33 6,910.04 75.59 8,482.11 29,089.96 | 253.92 25,392.00 207.53 18,308.71 46.39 7,083.44 1,398.66 17,691.29
101 153.92 15,545.92 78.53 6,988.57 75.39 8,557.50 29,011.43 | 253.92 25,645.92 208.07 18,516.78 45.85 7,129.29 1,428.21 17,483.22
102 153.92 15,699.84 78.73 7,067.31 75.19 8,632.69 28,932.69 | 253.92 25,899.84 208.61 18,725.39 45.31 7,174.60 1,458.08 17,274.61
103 153.92 15,853.76 78.94 7,146.24 74.98 8,707.67 28,853.76 | 253.92 26,153.76 209.15 18,934.54 44.77 7,219.37 1,488.30 17,065.46
104 153.92 16,007.68 79.14 7,225.39 74.78 8,782.45 28,774.61 | 253.92 26,407.68 209.69 19,144.23 44.23 7,263.60 1,518.85 16,855.77
105 153.92 16,161.60 79.35 7,304.73 74.57 8,857.03 28,695.27 | 253.92 26,661.60 210.24 19,354.47 43.68 7,307.29 1,549.74 16,645.53
106 153.92 16,315.52 79.55 7,384.29 74.37 8,931.39 28,615.71 | 253.92 26,915.52 210.78 19,565.25 43.14 7,350.43 1,580.97 16,434.75
107 153.92 16,469.44 79.76 7,464.04 74.16 9,005.56 28,535.96 | 253.92 27,169.44 211.33 19,776.58 42.59 7,393.02 1,612.54 16,223.42
108 153.92 16,623.36 79.97 7,544.01 73.96 9,079.51 28,455.99 | 253.92 27,423.36 211.88 19,988.46 42.05 7,435.07 1,644.45 16,011.54
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
109 153.92 16,777.28 80.17 7,624.18 73.75 9,153.26 28,375.82 | 253.92 27,677.28 212.42 20,200.88 41.50 7,476.56 1,676.70 15,799.12
110 153.92 16,931.20 80.38 7,704.56 73.54 9,226.80 28,295.44 | 253.92 27,931.20 212.98 20,413.86 40.95 7,517.51 1,709.29 15,586.14
111 153.92 17,085.12 80.59 7,785.15 73.33 9,300.13 28,214.85 | 253.92 28,185.12 213.53 20,627.38 40.39 7,557.90 1,742.23 15,372.62
112 153.92 17,239.04 80.80 7,865.95 73.12 9,373.26 28,134.05 | 253.92 28,439.04 214.08 20,841.47 39.84 7,597.74 1,775.51 15,158.53
113 153.92 17,392.96 81.01 7,946.96 72.91 9,446.17 28,053.04 | 253.92 28,692.96 214.64 21,056.10 39.29 7,637.03 1,809.14 14,943.90
114 153.92 17,546.88 81.22 8,028.18 72.70 9,518.88 27,971.82 | 253.92 28,946.88 215.19 21,271.29 38.73 7,675.76 1,843.12 14,728.71
115 153.92 17,700.80 81.43 8,109.60 72.49 9,591.37 27,890.40 | 253.92 29,200.80 215.75 21,487.04 38.17 7,713.93 1,877.44 14,512.96
116 153.92 17,854.72 81.64 8,191.24 72.28 9,663.65 27,808.76 | 253.92 29,454.72 216.31 21,703.35 37.61 7,751.54 1,912.11 14,296.65
117 153.92 18,008.64 81.85 8,273.09 72.07 9,735.72 27,726.91 | 253.92 29,708.64 216.87 21,920.22 37.05 7,788.60 1,947.13 14,079.78
118 153.92 18,162.56 82.06 8,355.16 71.86 9,807.58 27,644.84 | 253.92 29,962.56 217.43 22,137.65 36.49 7,825.09 1,982.50 13,862.35
119 153.92 18,316.48 82.28 8,437.43 71.65 9,879.23 27,562.57 | 253.92 30,216.48 217.99 22,355.65 35.93 7,861.01 2,018.22 13,644.35
120 153.92 18,470.40 82.49 8,519.92 71.43 9,950.66 27,480.08 | 253.92 30,470.40 218.56 22,574.21 35.36 7,896.37 2,054.29 13,425.79
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
121 153.92 18,624.32 82.70 8,602.62 71.22 10,021.88 27,397.38 | 253.92 30,724.32 219.13 22,793.33 34.80 7,931.17 2,090.71 13,206.67
122 153.92 18,778.24 82.92 8,685.54 71.00 10,092.88 27,314.46 | 253.92 30,978.24 219.69 23,013.03 34.23 7,965.40 2,127.49 12,986.97
123 153.92 18,932.16 83.13 8,768.67 70.79 10,163.67 27,231.33 | 253.92 31,232.16 220.26 23,233.29 33.66 7,999.05 2,164.62 12,766.71
124 153.92 19,086.08 83.35 8,852.02 70.57 10,234.25 27,147.98 | 253.92 31,486.08 220.83 23,454.13 33.09 8,032.14 2,202.11 12,545.87
125 153.92 19,240.00 83.56 8,935.58 70.36 10,304.61 27,064.42 | 253.92 31,740.00 221.41 23,675.53 32.51 8,064.66 2,239.95 12,324.47
126 153.92 19,393.92 83.78 9,019.36 70.14 10,374.75 26,980.64 | 253.92 31,993.92 221.98 23,897.51 31.94 8,096.60 2,278.15 12,102.49
127 153.92 19,547.84 84.00 9,103.36 69.92 10,444.67 26,896.64 | 253.92 32,247.84 222.56 24,120.07 31.37 8,127.96 2,316.71 11,879.93
128 153.92 19,701.76 84.21 9,187.57 69.71 10,514.38 26,812.43 | 253.92 32,501.76 223.13 24,343.20 30.79 8,158.75 2,355.63 11,656.80
129 153.92 19,855.68 84.43 9,272.00 69.49 10,583.87 26,728.00 | 253.92 32,755.68 223.71 24,566.91 30.21 8,188.96 2,394.91 11,433.09
130 153.92 20,009.60 84.65 9,356.66 69.27 10,653.14 26,643.34 | 253.92 33,009.60 224.29 24,791.20 29.63 8,218.59 2,434.55 11,208.80
131 153.92 20,163.52 84.87 9,441.53 69.05 10,722.19 26,558.47 | 253.92 33,263.52 224.87 25,016.08 29.05 8,247.64 2,474.55 10,983.92
132 153.92 20,317.44 85.09 9,526.62 68.83 10,791.02 26,473.38 | 253.92 33,517.44 225.45 25,241.53 28.47 8,276.11 2,514.91 10,758.47
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
133 153.92 20,471.36 85.31 9,611.93 68.61 10,859.63 26,388.07 | 253.92 33,771.36 226.04 25,467.57 27.88 8,303.99 2,555.64 10,532.43
134 153.92 20,625.28 85.53 9,697.46 68.39 10,928.02 26,302.54 | 253.92 34,025.28 226.62 25,694.19 27.30 8,331.29 2,596.73 10,305.81
135 153.92 20,779.20 85.75 9,783.21 68.17 10,996.19 26,216.79 | 253.92 34,279.20 227.21 25,921.41 26.71 8,358.00 2,638.19 10,078.59
136 153.92 20,933.12 85.98 9,869.19 67.95 11,064.13 26,130.81 | 253.92 34,533.12 227.80 26,149.21 26.12 8,384.12 2,680.02 9,850.79
137 153.92 21,087.04 86.20 9,955.39 67.72 11,131.86 26,044.61 | 253.92 34,787.04 228.39 26,377.60 25.53 8,409.65 2,722.21 9,622.40
138 153.92 21,240.96 86.42 10,041.81 67.50 11,199.35 25,958.19 | 253.92 35,040.96 228.98 26,606.58 24.94 8,434.59 2,764.77 9,393.42
139 153.92 21,394.88 86.65 10,128.46 67.27 11,266.63 25,871.54 | 253.92 35,294.88 229.58 26,836.16 24.34 8,458.93 2,807.70 9,163.84
140 153.92 21,548.80 86.87 10,215.33 67.05 11,333.68 25,784.67 | 253.92 35,548.80 230.17 27,066.33 23.75 8,482.68 2,851.00 8,933.67
141 153.92 21,702.72 87.10 10,302.43 66.83 11,400.51 25,697.57 | 253.92 35,802.72 230.77 27,297.10 23.15 8,505.83 2,894.67 8,702.90
142 153.92 21,856.64 87.32 10,389.75 66.60 11,467.11 25,610.25 | 253.92 36,056.64 231.37 27,528.47 22.56 8,528.39 2,938.72 8,471.53
143 153.92 22,010.56 87.55 10,477.30 66.37 11,533.48 25,522.70 | 253.92 36,310.56 231.97 27,760.43 21.96 8,550.34 2,983.14 8,239.57
144 153.92 22,164.48 87.78 10,565.07 66.15 11,599.62 25,434.93 | 253.92 36,564.48 232.57 27,993.00 21.35 8,571.70 3,027.93 8,007.00
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
145 153.92 22,318.40 88.00 10,653.07 65.92 11,665.54 25,346.93 | 253.92 36,818.40 233.17 28,226.17 20.75 8,592.45 3,073.09 7,773.83
146 153.92 22,472.32 88.23 10,741.31 65.69 11,731.23 25,258.69 | 253.92 37,072.32 233.77 28,459.94 20.15 8,612.60 3,118.64 7,540.06
147 153.92 22,626.24 88.46 10,829.76 65.46 11,796.70 25,170.24 | 253.92 37,326.24 234.38 28,694.32 19.54 8,632.14 3,164.56 7,305.68
148 153.92 22,780.16 88.69 10,918.45 65.23 11,861.93 25,081.55 | 253.92 37,580.16 234.99 28,929.31 18.93 8,651.07 3,210.86 7,070.69
149 153.92 22,934.08 88.92 11,007.37 65.00 11,926.93 24,992.63 | 253.92 37,834.08 235.60 29,164.91 18.32 8,669.40 3,257.54 6,835.09
150 153.92 23,088.00 89.15 11,096.52 64.77 11,991.70 24,903.48 | 253.92 38,088.00 236.21 29,401.12 17.71 8,687.11 3,304.59 6,598.88
151 153.92 23,241.92 89.38 11,185.90 64.54 12,056.25 24,814.10 | 253.92 38,341.92 236.82 29,637.93 17.10 8,704.21 3,352.03 6,362.07
152 153.92 23,395.84 89.61 11,275.51 64.31 12,120.56 24,724.49 | 253.92 38,595.84 237.43 29,875.37 16.49 8,720.70 3,399.86 6,124.63
153 153.92 23,549.76 89.84 11,365.36 64.08 12,184.63 24,634.64 | 253.92 38,849.76 238.05 30,113.42 15.87 8,736.57 3,448.06 5,886.58
154 153.92 23,703.68 90.08 11,455.43 63.84 12,248.48 24,544.57 | 253.92 39,103.68 238.67 30,352.08 15.26 8,751.83 3,496.65 5,647.92
155 153.92 23,857.60 90.31 11,545.74 63.61 12,312.09 24,454.26 | 253.92 39,357.60 239.28 30,591.37 14.64 8,766.47 3,545.62 5,408.63
156 153.92 24,011.52 90.54 11,636.29 63.38 12,375.47 24,363.71 | 253.92 39,611.52 239.90 30,831.27 14.02 8,780.48 3,594.98 5,168.73
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
157 153.92 24,165.44 90.78 11,727.07 63.14 12,438.61 24,272.93 | 253.92 39,865.44 240.53 31,071.80 13.40 8,793.88 3,644.73 4,928.20
158 153.92 24,319.36 91.01 11,818.08 62.91 12,501.52 24,181.92 | 253.92 40,119.36 241.15 31,312.95 12.77 8,806.65 3,694.86 4,687.05
159 153.92 24,473.28 91.25 11,909.33 62.67 12,564.19 24,090.67 | 253.92 40,373.28 241.77 31,554.72 12.15 8,818.80 3,745.39 4,445.28
160 153.92 24,627.20 91.49 12,000.82 62.43 12,626.62 23,999.18 | 253.92 40,627.20 242.40 31,797.12 11.52 8,830.32 3,796.30 4,202.88
161 153.92 24,781.12 91.72 12,092.54 62.20 12,688.82 23,907.46 | 253.92 40,881.12 243.03 32,040.15 10.89 8,841.21 3,847.61 3,959.85
162 153.92 24,935.04 91.96 12,184.50 61.96 12,750.78 23,815.50 | 253.92 41,135.04 243.66 32,283.81 10.26 8,851.48 3,899.31 3,716.19
163 153.92 25,088.96 92.20 12,276.70 61.72 12,812.50 23,723.30 | 253.92 41,388.96 244.29 32,528.10 9.63 8,861.11 3,951.40 3,471.90
164 153.92 25,242.88 92.44 12,369.14 61.48 12,873.99 23,630.86 | 253.92 41,642.88 244.92 32,773.02 9.00 8,870.10 4,003.88 3,226.98
165 153.92 25,396.80 92.68 12,461.82 61.24 12,935.23 23,538.18 | 253.92 41,896.80 245.56 33,018.58 8.36 8,878.47 4,056.76 2,981.42
166 153.92 25,550.72 92.92 12,554.74 61.00 12,996.23 23,445.26 | 253.92 42,150.72 246.19 33,264.78 7.73 8,886.19 4,110.04 2,735.22
167 153.92 25,704.64 93.16 12,647.90 60.76 13,057.00 23,352.10 | 253.92 42,404.64 246.83 33,511.61 7.09 8,893.28 4,163.71 2,488.39
168 153.92 25,858.56 93.40 12,741.30 60.52 13,117.52 23,258.70 | 253.92 42,658.56 247.47 33,759.08 6.45 8,899.73 4,217.78 2,240.92
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
169 153.92 26,012.48 93.64 12,834.94 60.28 13,177.79 23,165.06 | 253.92 42,912.48 248.11 34,007.19 5.81 8,905.54 4,272.25 1,992.81
170 153.92 26,166.40 93.89 12,928.82 60.04 13,237.83 23,071.18 | 253.92 43,166.40 248.76 34,255.95 5.16 8,910.70 4,327.13 1,744.05
171 153.92 26,320.32 94.13 13,022.95 59.79 13,297.62 22,977.05 | 253.92 43,420.32 249.40 34,505.35 4.52 8,915.22 4,382.40 1,494.65
172 153.92 26,474.24 94.37 13,117.33 59.55 13,357.17 22,882.67 | 253.92 43,674.24 250.05 34,755.40 3.87 8,919.10 4,438.07 1,244.60
173 153.92 26,628.16 94.62 13,211.94 59.30 13,416.48 22,788.06 | 253.92 43,928.16 250.70 35,006.10 3.23 8,922.32 4,494.15 993.90
174 153.92 26,782.08 94.86 13,306.81 59.06 13,475.54 22,693.19 | 253.92 44,182.08 251.35 35,257.44 2.58 8,924.90 4,550.64 742.56
175 153.92 26,936.00 95.11 13,401.91 58.81 13,534.35 22,598.09 | 253.92 44,436.00 252.00 35,509.44 1.92 8,926.82 4,607.52 490.56
176 153.92 27,089.92 95.35 13,497.27 58.57 13,592.92 22,502.73 | 253.92 44,689.92 252.65 35,762.09 1.27 8,928.10 4,664.82 237.91
177 153.92 27,243.84 95.60 13,592.87 58.32 13,651.24 22,407.13 | 238.53 44,928.45 237.91 36,015.39 0.62 8,928.71 4,722.52 0.00

Loan Paid off in Year 15.

Total Interest Based on 30 Year Loan with No Extra Payment $19,411.74.

Total Interest Saved with Pre-Payment is $10,483.03