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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: $4,150

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
1 159.69 159.69 62.89 62.89 96.80 96.80 37,287.11 | 259.69 259.69 162.89 162.89 96.80 96.80 0.00 37,187.11
2 159.69 319.38 63.06 125.95 96.64 193.43 37,224.05 | 259.69 519.38 163.32 326.21 96.38 193.18 0.26 37,023.79
3 159.69 479.07 63.22 189.17 96.47 289.91 37,160.83 | 259.69 779.07 163.74 489.95 95.95 289.13 0.78 36,860.05
4 159.69 638.76 63.39 252.56 96.31 386.22 37,097.44 | 259.69 1,038.76 164.16 654.12 95.53 384.66 1.56 36,695.88
5 159.69 798.45 63.55 316.11 96.14 482.36 37,033.89 | 259.69 1,298.45 164.59 818.71 95.10 479.76 2.60 36,531.29
6 159.69 958.14 63.71 379.82 95.98 578.34 36,970.18 | 259.69 1,558.14 165.02 983.72 94.68 574.44 3.90 36,366.28
7 159.69 1,117.83 63.88 443.70 95.81 674.15 36,906.30 | 259.69 1,817.83 165.44 1,149.17 94.25 668.69 5.47 36,200.83
8 159.69 1,277.52 64.04 507.75 95.65 769.80 36,842.25 | 259.69 2,077.52 165.87 1,315.04 93.82 762.51 7.29 36,034.96
9 159.69 1,437.21 64.21 571.96 95.48 865.29 36,778.04 | 259.69 2,337.21 166.30 1,481.34 93.39 855.90 9.39 35,868.66
10 159.69 1,596.90 64.38 636.33 95.32 960.60 36,713.67 | 259.69 2,596.90 166.73 1,648.08 92.96 948.86 11.74 35,701.92
11 159.69 1,756.59 64.54 700.88 95.15 1,055.75 36,649.12 | 259.69 2,856.59 167.17 1,815.24 92.53 1,041.39 14.37 35,534.76
12 159.69 1,916.28 64.71 765.59 94.98 1,150.73 36,584.41 | 259.69 3,116.28 167.60 1,982.84 92.09 1,133.48 17.25 35,367.16
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
13 159.69 2,075.97 64.88 830.47 94.81 1,245.55 36,519.53 | 259.69 3,375.97 168.03 2,150.88 91.66 1,225.14 20.41 35,199.12
14 159.69 2,235.66 65.05 895.52 94.65 1,340.19 36,454.48 | 259.69 3,635.66 168.47 2,319.35 91.22 1,316.36 23.83 35,030.65
15 159.69 2,395.35 65.22 960.73 94.48 1,434.67 36,389.27 | 259.69 3,895.35 168.91 2,488.25 90.79 1,407.15 27.52 34,861.75
16 159.69 2,555.04 65.38 1,026.12 94.31 1,528.98 36,323.88 | 259.69 4,155.04 169.34 2,657.60 90.35 1,497.50 31.48 34,692.40
17 159.69 2,714.73 65.55 1,091.67 94.14 1,623.12 36,258.33 | 259.69 4,414.73 169.78 2,827.38 89.91 1,587.41 35.71 34,522.62
18 159.69 2,874.42 65.72 1,157.39 93.97 1,717.09 36,192.61 | 259.69 4,674.42 170.22 2,997.60 89.47 1,676.88 40.21 34,352.40
19 159.69 3,034.11 65.89 1,223.29 93.80 1,810.89 36,126.71 | 259.69 4,934.11 170.66 3,168.26 89.03 1,765.91 44.98 34,181.74
20 159.69 3,193.80 66.07 1,289.35 93.63 1,904.52 36,060.65 | 259.69 5,193.80 171.11 3,339.37 88.59 1,854.50 50.02 34,010.63
21 159.69 3,353.49 66.24 1,355.59 93.46 1,997.97 35,994.41 | 259.69 5,453.49 171.55 3,510.92 88.14 1,942.65 55.33 33,839.08
22 159.69 3,513.18 66.41 1,422.00 93.29 2,091.26 35,928.00 | 259.69 5,713.18 171.99 3,682.91 87.70 2,030.35 60.91 33,667.09
23 159.69 3,672.87 66.58 1,488.58 93.11 2,184.37 35,861.42 | 259.69 5,972.87 172.44 3,855.35 87.25 2,117.60 66.77 33,494.65
24 159.69 3,832.56 66.75 1,555.33 92.94 2,277.31 35,794.67 | 259.69 6,232.56 172.89 4,028.24 86.81 2,204.41 72.91 33,321.76
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
25 159.69 3,992.25 66.93 1,622.26 92.77 2,370.08 35,727.74 | 259.69 6,492.25 173.33 4,201.57 86.36 2,290.77 79.32 33,148.43
26 159.69 4,151.94 67.10 1,689.36 92.59 2,462.68 35,660.64 | 259.69 6,751.94 173.78 4,375.36 85.91 2,376.67 86.00 32,974.64
27 159.69 4,311.63 67.27 1,756.63 92.42 2,555.10 35,593.37 | 259.69 7,011.63 174.23 4,549.59 85.46 2,462.13 92.96 32,800.41
28 159.69 4,471.32 67.45 1,824.08 92.25 2,647.34 35,525.92 | 259.69 7,271.32 174.69 4,724.28 85.01 2,547.14 100.20 32,625.72
29 159.69 4,631.01 67.62 1,891.70 92.07 2,739.41 35,458.30 | 259.69 7,531.01 175.14 4,899.42 84.55 2,631.70 107.72 32,450.58
30 159.69 4,790.70 67.80 1,959.50 91.90 2,831.31 35,390.50 | 259.69 7,790.70 175.59 5,075.01 84.10 2,715.80 115.51 32,274.99
31 159.69 4,950.39 67.97 2,027.47 91.72 2,923.03 35,322.53 | 259.69 8,050.39 176.05 5,251.06 83.65 2,799.44 123.59 32,098.94
32 159.69 5,110.08 68.15 2,095.62 91.54 3,014.58 35,254.38 | 259.69 8,310.08 176.50 5,427.56 83.19 2,882.63 131.94 31,922.44
33 159.69 5,269.77 68.33 2,163.94 91.37 3,105.94 35,186.06 | 259.69 8,569.77 176.96 5,604.52 82.73 2,965.37 140.58 31,745.48
34 159.69 5,429.46 68.50 2,232.45 91.19 3,197.13 35,117.55 | 259.69 8,829.46 177.42 5,781.94 82.27 3,047.64 149.49 31,568.06
35 159.69 5,589.15 68.68 2,301.13 91.01 3,288.15 35,048.87 | 259.69 9,089.15 177.88 5,959.82 81.81 3,129.45 158.69 31,390.18
36 159.69 5,748.84 68.86 2,369.99 90.83 3,378.98 34,980.01 | 259.69 9,348.84 178.34 6,138.16 81.35 3,210.81 168.18 31,211.84
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
37 159.69 5,908.53 69.04 2,439.02 90.66 3,469.64 34,910.98 | 259.69 9,608.53 178.80 6,316.96 80.89 3,291.70 177.94 31,033.04
38 159.69 6,068.22 69.22 2,508.24 90.48 3,560.12 34,841.76 | 259.69 9,868.22 179.27 6,496.23 80.43 3,372.12 187.99 30,853.77
39 159.69 6,227.91 69.40 2,577.63 90.30 3,650.41 34,772.37 | 259.69 10,127.91 179.73 6,675.96 79.96 3,452.09 198.33 30,674.04
40 159.69 6,387.60 69.58 2,647.21 90.12 3,740.53 34,702.79 | 259.69 10,387.60 180.20 6,856.16 79.50 3,531.58 208.95 30,493.84
41 159.69 6,547.29 69.76 2,716.97 89.94 3,830.47 34,633.03 | 259.69 10,647.29 180.66 7,036.82 79.03 3,610.61 219.86 30,313.18
42 159.69 6,706.98 69.94 2,786.90 89.76 3,920.23 34,563.10 | 259.69 10,906.98 181.13 7,217.95 78.56 3,689.18 231.05 30,132.05
43 159.69 6,866.67 70.12 2,857.02 89.58 4,009.80 34,492.98 | 259.69 11,166.67 181.60 7,399.56 78.09 3,767.27 242.54 29,950.44
44 159.69 7,026.36 70.30 2,927.32 89.39 4,099.20 34,422.68 | 259.69 11,426.36 182.07 7,581.63 77.62 3,844.89 254.31 29,768.37
45 159.69 7,186.05 70.48 2,997.80 89.21 4,188.41 34,352.20 | 259.69 11,686.05 182.54 7,764.17 77.15 3,922.04 266.37 29,585.83
46 159.69 7,345.74 70.66 3,068.46 89.03 4,277.44 34,281.54 | 259.69 11,945.74 183.02 7,947.19 76.68 3,998.72 278.72 29,402.81
47 159.69 7,505.43 70.85 3,139.31 88.85 4,366.29 34,210.69 | 259.69 12,205.43 183.49 8,130.68 76.20 4,074.92 291.37 29,219.32
48 159.69 7,665.12 71.03 3,210.34 88.66 4,454.95 34,139.66 | 259.69 12,465.12 183.97 8,314.65 75.73 4,150.64 304.30 29,035.35
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
49 159.69 7,824.81 71.21 3,281.56 88.48 4,543.43 34,068.44 | 259.69 12,724.81 184.44 8,499.09 75.25 4,225.89 317.53 28,850.91
50 159.69 7,984.50 71.40 3,352.96 88.29 4,631.72 33,997.04 | 259.69 12,984.50 184.92 8,684.01 74.77 4,300.67 331.05 28,665.99
51 159.69 8,144.19 71.58 3,424.54 88.11 4,719.83 33,925.46 | 259.69 13,244.19 185.40 8,869.41 74.29 4,374.96 344.87 28,480.59
52 159.69 8,303.88 71.77 3,496.31 87.92 4,807.75 33,853.69 | 259.69 13,503.88 185.88 9,055.29 73.81 4,448.77 358.98 28,294.71
53 159.69 8,463.57 71.96 3,568.27 87.74 4,895.49 33,781.73 | 259.69 13,763.57 186.36 9,241.66 73.33 4,522.10 373.39 28,108.34
54 159.69 8,623.26 72.14 3,640.41 87.55 4,983.04 33,709.59 | 259.69 14,023.26 186.85 9,428.50 72.85 4,594.95 388.09 27,921.50
55 159.69 8,782.95 72.33 3,712.74 87.36 5,070.41 33,637.26 | 259.69 14,282.95 187.33 9,615.83 72.36 4,667.31 403.09 27,734.17
56 159.69 8,942.64 72.52 3,785.26 87.18 5,157.58 33,564.74 | 259.69 14,542.64 187.82 9,803.65 71.88 4,739.19 418.39 27,546.35
57 159.69 9,102.33 72.70 3,857.96 86.99 5,244.57 33,492.04 | 259.69 14,802.33 188.30 9,991.95 71.39 4,810.58 433.99 27,358.05
58 159.69 9,262.02 72.89 3,930.85 86.80 5,331.37 33,419.15 | 259.69 15,062.02 188.79 10,180.74 70.90 4,881.48 449.89 27,169.26
59 159.69 9,421.71 73.08 4,003.94 86.61 5,417.98 33,346.06 | 259.69 15,321.71 189.28 10,370.02 70.41 4,951.90 466.08 26,979.98
60 159.69 9,581.40 73.27 4,077.21 86.42 5,504.40 33,272.79 | 259.69 15,581.40 189.77 10,559.79 69.92 5,021.82 482.58 26,790.21
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
61 159.69 9,741.09 73.46 4,150.67 86.23 5,590.64 33,199.33 | 259.69 15,841.09 190.26 10,750.05 69.43 5,091.25 499.38 26,599.95
62 159.69 9,900.78 73.65 4,224.32 86.04 5,676.68 33,125.68 | 259.69 16,100.78 190.76 10,940.81 68.94 5,160.19 516.49 26,409.19
63 159.69 10,060.47 73.84 4,298.17 85.85 5,762.53 33,051.83 | 259.69 16,360.47 191.25 11,132.06 68.44 5,228.63 533.89 26,217.94
64 159.69 10,220.16 74.03 4,372.20 85.66 5,848.19 32,977.80 | 259.69 16,620.16 191.75 11,323.81 67.95 5,296.58 551.61 26,026.19
65 159.69 10,379.85 74.23 4,446.43 85.47 5,933.66 32,903.57 | 259.69 16,879.85 192.24 11,516.05 67.45 5,364.03 569.62 25,833.95
66 159.69 10,539.54 74.42 4,520.84 85.28 6,018.93 32,829.16 | 259.69 17,139.54 192.74 11,708.79 66.95 5,430.99 587.94 25,641.21
67 159.69 10,699.23 74.61 4,595.46 85.08 6,104.01 32,754.54 | 259.69 17,399.23 193.24 11,902.03 66.45 5,497.44 606.57 25,447.97
68 159.69 10,858.92 74.80 4,670.26 84.89 6,188.90 32,679.74 | 259.69 17,658.92 193.74 12,095.77 65.95 5,563.39 625.51 25,254.23
69 159.69 11,018.61 75.00 4,745.26 84.69 6,273.60 32,604.74 | 259.69 17,918.61 194.24 12,290.01 65.45 5,628.84 644.75 25,059.99
70 159.69 11,178.30 75.19 4,820.45 84.50 6,358.10 32,529.55 | 259.69 18,178.30 194.75 12,484.76 64.95 5,693.79 664.31 24,865.24
71 159.69 11,337.99 75.39 4,895.84 84.31 6,442.40 32,454.16 | 259.69 18,437.99 195.25 12,680.01 64.44 5,758.23 684.17 24,669.99
72 159.69 11,497.68 75.58 4,971.42 84.11 6,526.51 32,378.58 | 259.69 18,697.68 195.76 12,875.77 63.94 5,822.17 704.34 24,474.23
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
73 159.69 11,657.37 75.78 5,047.20 83.91 6,610.43 32,302.80 | 259.69 18,957.37 196.26 13,072.03 63.43 5,885.60 724.83 24,277.97
74 159.69 11,817.06 75.98 5,123.18 83.72 6,694.15 32,226.82 | 259.69 19,217.06 196.77 13,268.80 62.92 5,948.52 745.63 24,081.20
75 159.69 11,976.75 76.17 5,199.35 83.52 6,777.67 32,150.65 | 259.69 19,476.75 197.28 13,466.09 62.41 6,010.93 766.74 23,883.91
76 159.69 12,136.44 76.37 5,275.72 83.32 6,860.99 32,074.28 | 259.69 19,736.44 197.79 13,663.88 61.90 6,072.83 788.16 23,686.12
77 159.69 12,296.13 76.57 5,352.29 83.13 6,944.12 31,997.71 | 259.69 19,996.13 198.31 13,862.19 61.39 6,134.21 809.90 23,487.81
78 159.69 12,455.82 76.77 5,429.05 82.93 7,027.04 31,920.95 | 259.69 20,255.82 198.82 14,061.01 60.87 6,195.09 831.96 23,288.99
79 159.69 12,615.51 76.97 5,506.02 82.73 7,109.77 31,843.98 | 259.69 20,515.51 199.34 14,260.35 60.36 6,255.44 854.33 23,089.65
80 159.69 12,775.20 77.16 5,583.18 82.53 7,192.30 31,766.82 | 259.69 20,775.20 199.85 14,460.20 59.84 6,315.29 877.02 22,889.80
81 159.69 12,934.89 77.36 5,660.55 82.33 7,274.63 31,689.45 | 259.69 21,034.89 200.37 14,660.57 59.32 6,374.61 900.02 22,689.43
82 159.69 13,094.58 77.57 5,738.11 82.13 7,356.76 31,611.89 | 259.69 21,294.58 200.89 14,861.46 58.80 6,433.41 923.35 22,488.54
83 159.69 13,254.27 77.77 5,815.88 81.93 7,438.69 31,534.12 | 259.69 21,554.27 201.41 15,062.87 58.28 6,491.69 946.99 22,287.13
84 159.69 13,413.96 77.97 5,893.85 81.73 7,520.41 31,456.15 | 259.69 21,813.96 201.93 15,264.80 57.76 6,549.46 970.96 22,085.20
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
85 159.69 13,573.65 78.17 5,972.02 81.52 7,601.94 31,377.98 | 259.69 22,073.65 202.46 15,467.26 57.24 6,606.69 995.24 21,882.74
86 159.69 13,733.34 78.37 6,050.39 81.32 7,683.26 31,299.61 | 259.69 22,333.34 202.98 15,670.24 56.71 6,663.41 1,019.85 21,679.76
87 159.69 13,893.03 78.58 6,128.96 81.12 7,764.38 31,221.04 | 259.69 22,593.03 203.51 15,873.75 56.19 6,719.59 1,044.78 21,476.25
88 159.69 14,052.72 78.78 6,207.74 80.91 7,845.29 31,142.26 | 259.69 22,852.72 204.03 16,077.78 55.66 6,775.25 1,070.04 21,272.22
89 159.69 14,212.41 78.98 6,286.73 80.71 7,926.00 31,063.27 | 259.69 23,112.41 204.56 16,282.34 55.13 6,830.38 1,095.62 21,067.66
90 159.69 14,372.10 79.19 6,365.91 80.51 8,006.51 30,984.09 | 259.69 23,372.10 205.09 16,487.44 54.60 6,884.98 1,121.52 20,862.56
91 159.69 14,531.79 79.39 6,445.31 80.30 8,086.81 30,904.69 | 259.69 23,631.79 205.62 16,693.06 54.07 6,939.05 1,147.76 20,656.94
92 159.69 14,691.48 79.60 6,524.91 80.09 8,166.90 30,825.09 | 259.69 23,891.48 206.16 16,899.22 53.54 6,992.59 1,174.31 20,450.78
93 159.69 14,851.17 79.81 6,604.71 79.89 8,246.79 30,745.29 | 259.69 24,151.17 206.69 17,105.91 53.00 7,045.59 1,201.20 20,244.09
94 159.69 15,010.86 80.01 6,684.72 79.68 8,326.47 30,665.28 | 259.69 24,410.86 207.23 17,313.14 52.47 7,098.05 1,228.42 20,036.86
95 159.69 15,170.55 80.22 6,764.94 79.47 8,405.95 30,585.06 | 259.69 24,670.55 207.76 17,520.90 51.93 7,149.98 1,255.96 19,829.10
96 159.69 15,330.24 80.43 6,845.37 79.27 8,485.21 30,504.63 | 259.69 24,930.24 208.30 17,729.21 51.39 7,201.37 1,283.84 19,620.79
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
97 159.69 15,489.93 80.64 6,926.01 79.06 8,564.27 30,423.99 | 259.69 25,189.93 208.84 17,938.05 50.85 7,252.22 1,312.05 19,411.95
98 159.69 15,649.62 80.84 7,006.85 78.85 8,643.12 30,343.15 | 259.69 25,449.62 209.38 18,147.44 50.31 7,302.53 1,340.59 19,202.56
99 159.69 15,809.31 81.05 7,087.90 78.64 8,721.76 30,262.10 | 259.69 25,709.31 209.93 18,357.36 49.77 7,352.30 1,369.46 18,992.64
100 159.69 15,969.00 81.26 7,169.17 78.43 8,800.19 30,180.83 | 259.69 25,969.00 210.47 18,567.83 49.22 7,401.52 1,398.66 18,782.17
101 159.69 16,128.69 81.47 7,250.64 78.22 8,878.41 30,099.36 | 259.69 26,228.69 211.02 18,778.85 48.68 7,450.20 1,428.21 18,571.15
102 159.69 16,288.38 81.69 7,332.33 78.01 8,956.41 30,017.67 | 259.69 26,488.38 211.56 18,990.41 48.13 7,498.33 1,458.08 18,359.59
103 159.69 16,448.07 81.90 7,414.23 77.80 9,034.21 29,935.77 | 259.69 26,748.07 212.11 19,202.52 47.58 7,545.91 1,488.30 18,147.48
104 159.69 16,607.76 82.11 7,496.34 77.58 9,111.79 29,853.66 | 259.69 27,007.76 212.66 19,415.19 47.03 7,592.94 1,518.85 17,934.81
105 159.69 16,767.45 82.32 7,578.66 77.37 9,189.16 29,771.34 | 259.69 27,267.45 213.21 19,628.40 46.48 7,639.43 1,549.74 17,721.60
106 159.69 16,927.14 82.54 7,661.20 77.16 9,266.32 29,688.80 | 259.69 27,527.14 213.77 19,842.16 45.93 7,685.35 1,580.97 17,507.84
107 159.69 17,086.83 82.75 7,743.95 76.94 9,343.26 29,606.05 | 259.69 27,786.83 214.32 20,056.48 45.37 7,730.73 1,612.54 17,293.52
108 159.69 17,246.52 82.96 7,826.91 76.73 9,419.99 29,523.09 | 259.69 28,046.52 214.87 20,271.36 44.82 7,775.55 1,644.45 17,078.64
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
109 159.69 17,406.21 83.18 7,910.09 76.51 9,496.51 29,439.91 | 259.69 28,306.21 215.43 20,486.79 44.26 7,819.81 1,676.70 16,863.21
110 159.69 17,565.90 83.40 7,993.49 76.30 9,572.81 29,356.51 | 259.69 28,565.90 215.99 20,702.78 43.70 7,863.51 1,709.29 16,647.22
111 159.69 17,725.59 83.61 8,077.10 76.08 9,648.89 29,272.90 | 259.69 28,825.59 216.55 20,919.33 43.14 7,906.66 1,742.23 16,430.67
112 159.69 17,885.28 83.83 8,160.92 75.87 9,724.75 29,189.08 | 259.69 29,085.28 217.11 21,136.44 42.58 7,949.24 1,775.51 16,213.56
113 159.69 18,044.97 84.05 8,244.97 75.65 9,800.40 29,105.03 | 259.69 29,344.97 217.67 21,354.11 42.02 7,991.26 1,809.14 15,995.89
114 159.69 18,204.66 84.26 8,329.23 75.43 9,875.83 29,020.77 | 259.69 29,604.66 218.24 21,572.35 41.46 8,032.72 1,843.12 15,777.65
115 159.69 18,364.35 84.48 8,413.71 75.21 9,951.05 28,936.29 | 259.69 29,864.35 218.80 21,791.15 40.89 8,073.61 1,877.44 15,558.85
116 159.69 18,524.04 84.70 8,498.41 74.99 10,026.04 28,851.59 | 259.69 30,124.04 219.37 22,010.52 40.32 8,113.93 1,912.11 15,339.48
117 159.69 18,683.73 84.92 8,583.33 74.77 10,100.81 28,766.67 | 259.69 30,383.73 219.94 22,230.46 39.75 8,153.69 1,947.13 15,119.54
118 159.69 18,843.42 85.14 8,668.47 74.55 10,175.37 28,681.53 | 259.69 30,643.42 220.51 22,450.97 39.18 8,192.87 1,982.50 14,899.03
119 159.69 19,003.11 85.36 8,753.84 74.33 10,249.70 28,596.16 | 259.69 30,903.11 221.08 22,672.05 38.61 8,231.48 2,018.22 14,677.95
120 159.69 19,162.80 85.58 8,839.42 74.11 10,323.81 28,510.58 | 259.69 31,162.80 221.65 22,893.70 38.04 8,269.52 2,054.29 14,456.30
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
121 159.69 19,322.49 85.80 8,925.22 73.89 10,397.70 28,424.78 | 259.69 31,422.49 222.23 23,115.93 37.47 8,306.99 2,090.71 14,234.07
122 159.69 19,482.18 86.03 9,011.25 73.67 10,471.37 28,338.75 | 259.69 31,682.18 222.80 23,338.74 36.89 8,343.88 2,127.49 14,011.26
123 159.69 19,641.87 86.25 9,097.50 73.44 10,544.81 28,252.50 | 259.69 31,941.87 223.38 23,562.12 36.31 8,380.19 2,164.62 13,787.88
124 159.69 19,801.56 86.47 9,183.97 73.22 10,618.03 28,166.03 | 259.69 32,201.56 223.96 23,786.08 35.73 8,415.93 2,202.11 13,563.92
125 159.69 19,961.25 86.70 9,270.66 73.00 10,691.03 28,079.34 | 259.69 32,461.25 224.54 24,010.62 35.15 8,451.08 2,239.95 13,339.38
126 159.69 20,120.94 86.92 9,357.59 72.77 10,763.80 27,992.41 | 259.69 32,720.94 225.12 24,235.74 34.57 8,485.65 2,278.15 13,114.26
127 159.69 20,280.63 87.15 9,444.73 72.55 10,836.35 27,905.27 | 259.69 32,980.63 225.71 24,461.44 33.99 8,519.64 2,316.71 12,888.56
128 159.69 20,440.32 87.37 9,532.10 72.32 10,908.67 27,817.90 | 259.69 33,240.32 226.29 24,687.74 33.40 8,553.04 2,355.63 12,662.26
129 159.69 20,600.01 87.60 9,619.70 72.09 10,980.77 27,730.30 | 259.69 33,500.01 226.88 24,914.61 32.82 8,585.86 2,394.91 12,435.39
130 159.69 20,759.70 87.83 9,707.53 71.87 11,052.63 27,642.47 | 259.69 33,759.70 227.47 25,142.08 32.23 8,618.09 2,434.55 12,207.92
131 159.69 20,919.39 88.05 9,795.58 71.64 11,124.27 27,554.42 | 259.69 34,019.39 228.05 25,370.13 31.64 8,649.72 2,474.55 11,979.87
132 159.69 21,079.08 88.28 9,883.86 71.41 11,195.69 27,466.14 | 259.69 34,279.08 228.65 25,598.78 31.05 8,680.77 2,514.91 11,751.22
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
133 159.69 21,238.77 88.51 9,972.38 71.18 11,266.87 27,377.62 | 259.69 34,538.77 229.24 25,828.02 30.46 8,711.23 2,555.64 11,521.98
134 159.69 21,398.46 88.74 10,061.12 70.95 11,337.82 27,288.88 | 259.69 34,798.46 229.83 26,057.85 29.86 8,741.09 2,596.73 11,292.15
135 159.69 21,558.15 88.97 10,150.09 70.72 11,408.55 27,199.91 | 259.69 35,058.15 230.43 26,288.28 29.27 8,770.35 2,638.19 11,061.72
136 159.69 21,717.84 89.20 10,239.29 70.49 11,479.04 27,110.71 | 259.69 35,317.84 231.03 26,519.30 28.67 8,799.02 2,680.02 10,830.70
137 159.69 21,877.53 89.43 10,328.72 70.26 11,549.30 27,021.28 | 259.69 35,577.53 231.62 26,750.93 28.07 8,827.09 2,722.21 10,599.07
138 159.69 22,037.22 89.66 10,418.38 70.03 11,619.33 26,931.62 | 259.69 35,837.22 232.22 26,983.15 27.47 8,854.56 2,764.77 10,366.85
139 159.69 22,196.91 89.90 10,508.28 69.80 11,689.13 26,841.72 | 259.69 36,096.91 232.83 27,215.98 26.87 8,881.43 2,807.70 10,134.02
140 159.69 22,356.60 90.13 10,598.41 69.56 11,758.69 26,751.59 | 259.69 36,356.60 233.43 27,449.41 26.26 8,907.69 2,851.00 9,900.59
141 159.69 22,516.29 90.36 10,688.77 69.33 11,828.02 26,661.23 | 259.69 36,616.29 234.03 27,683.44 25.66 8,933.35 2,894.67 9,666.56
142 159.69 22,675.98 90.60 10,779.36 69.10 11,897.12 26,570.64 | 259.69 36,875.98 234.64 27,918.08 25.05 8,958.40 2,938.72 9,431.92
143 159.69 22,835.67 90.83 10,870.20 68.86 11,965.98 26,479.80 | 259.69 37,135.67 235.25 28,153.33 24.44 8,982.85 2,983.14 9,196.67
144 159.69 22,995.36 91.07 10,961.26 68.63 12,034.61 26,388.74 | 259.69 37,395.36 235.86 28,389.19 23.83 9,006.68 3,027.93 8,960.81
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
145 159.69 23,155.05 91.30 11,052.56 68.39 12,103.00 26,297.44 | 259.69 37,655.05 236.47 28,625.66 23.22 9,029.91 3,073.09 8,724.34
146 159.69 23,314.74 91.54 11,144.10 68.15 12,171.16 26,205.90 | 259.69 37,914.74 237.08 28,862.74 22.61 9,052.52 3,118.64 8,487.26
147 159.69 23,474.43 91.78 11,235.88 67.92 12,239.07 26,114.12 | 259.69 38,174.43 237.70 29,100.44 22.00 9,074.51 3,164.56 8,249.56
148 159.69 23,634.12 92.01 11,327.90 67.68 12,306.75 26,022.10 | 259.69 38,434.12 238.31 29,338.75 21.38 9,095.89 3,210.86 8,011.25
149 159.69 23,793.81 92.25 11,420.15 67.44 12,374.19 25,929.85 | 259.69 38,693.81 238.93 29,577.68 20.76 9,116.66 3,257.54 7,772.32
150 159.69 23,953.50 92.49 11,512.64 67.20 12,441.39 25,837.36 | 259.69 38,953.50 239.55 29,817.24 20.14 9,136.80 3,304.59 7,532.76
151 159.69 24,113.19 92.73 11,605.37 66.96 12,508.36 25,744.63 | 259.69 39,213.19 240.17 30,057.41 19.52 9,156.32 3,352.03 7,292.59
152 159.69 24,272.88 92.97 11,698.34 66.72 12,575.08 25,651.66 | 259.69 39,472.88 240.79 30,298.20 18.90 9,175.22 3,399.86 7,051.80
153 159.69 24,432.57 93.21 11,791.56 66.48 12,641.56 25,558.44 | 259.69 39,732.57 241.42 30,539.62 18.28 9,193.50 3,448.06 6,810.38
154 159.69 24,592.26 93.45 11,885.01 66.24 12,707.80 25,464.99 | 259.69 39,992.26 242.04 30,781.66 17.65 9,211.15 3,496.65 6,568.34
155 159.69 24,751.95 93.70 11,978.71 66.00 12,773.79 25,371.29 | 259.69 40,251.95 242.67 31,024.33 17.02 9,228.17 3,545.62 6,325.67
156 159.69 24,911.64 93.94 12,072.65 65.75 12,839.55 25,277.35 | 259.69 40,511.64 243.30 31,267.63 16.39 9,244.56 3,594.98 6,082.37
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
157 159.69 25,071.33 94.18 12,166.83 65.51 12,905.06 25,183.17 | 259.69 40,771.33 243.93 31,511.56 15.76 9,260.33 3,644.73 5,838.44
158 159.69 25,231.02 94.43 12,261.26 65.27 12,970.32 25,088.74 | 259.69 41,031.02 244.56 31,756.12 15.13 9,275.46 3,694.86 5,593.88
159 159.69 25,390.71 94.67 12,355.93 65.02 13,035.35 24,994.07 | 259.69 41,290.71 245.20 32,001.32 14.50 9,289.96 3,745.39 5,348.68
160 159.69 25,550.40 94.92 12,450.85 64.78 13,100.12 24,899.15 | 259.69 41,550.40 245.83 32,247.15 13.86 9,303.82 3,796.30 5,102.85
161 159.69 25,710.09 95.16 12,546.01 64.53 13,164.65 24,803.99 | 259.69 41,810.09 246.47 32,493.62 13.22 9,317.04 3,847.61 4,856.38
162 159.69 25,869.78 95.41 12,641.42 64.28 13,228.94 24,708.58 | 259.69 42,069.78 247.11 32,740.73 12.59 9,329.63 3,899.31 4,609.27
163 159.69 26,029.47 95.66 12,737.08 64.04 13,292.97 24,612.92 | 259.69 42,329.47 247.75 32,988.47 11.95 9,341.58 3,951.40 4,361.53
164 159.69 26,189.16 95.91 12,832.98 63.79 13,356.76 24,517.02 | 259.69 42,589.16 248.39 33,236.86 11.30 9,352.88 4,003.88 4,113.14
165 159.69 26,348.85 96.15 12,929.14 63.54 13,420.30 24,420.86 | 259.69 42,848.85 249.03 33,485.90 10.66 9,363.54 4,056.76 3,864.10
166 159.69 26,508.54 96.40 13,025.54 63.29 13,483.59 24,324.46 | 259.69 43,108.54 249.68 33,735.58 10.01 9,373.55 4,110.04 3,614.42
167 159.69 26,668.23 96.65 13,122.19 63.04 13,546.63 24,227.81 | 259.69 43,368.23 250.33 33,985.90 9.37 9,382.92 4,163.71 3,364.10
168 159.69 26,827.92 96.90 13,219.10 62.79 13,609.42 24,130.90 | 259.69 43,627.92 250.97 34,236.88 8.72 9,391.64 4,217.78 3,113.12
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
169 159.69 26,987.61 97.15 13,316.25 62.54 13,671.96 24,033.75 | 259.69 43,887.61 251.63 34,488.50 8.07 9,399.71 4,272.25 2,861.50
170 159.69 27,147.30 97.41 13,413.66 62.29 13,734.25 23,936.34 | 259.69 44,147.30 252.28 34,740.78 7.42 9,407.12 4,327.13 2,609.22
171 159.69 27,306.99 97.66 13,511.31 62.04 13,796.28 23,838.69 | 259.69 44,406.99 252.93 34,993.71 6.76 9,413.89 4,382.40 2,356.29
172 159.69 27,466.68 97.91 13,609.23 61.78 13,858.07 23,740.77 | 259.69 44,666.68 253.59 35,247.30 6.11 9,419.99 4,438.07 2,102.70
173 159.69 27,626.37 98.17 13,707.39 61.53 13,919.59 23,642.61 | 259.69 44,926.37 254.24 35,501.54 5.45 9,425.44 4,494.15 1,848.46
174 159.69 27,786.06 98.42 13,805.81 61.27 13,980.87 23,544.19 | 259.69 45,186.06 254.90 35,756.45 4.79 9,430.23 4,550.64 1,593.55
175 159.69 27,945.75 98.67 13,904.49 61.02 14,041.89 23,445.51 | 259.69 45,445.75 255.56 36,012.01 4.13 9,434.36 4,607.52 1,337.99
176 159.69 28,105.44 98.93 14,003.42 60.76 14,102.65 23,346.58 | 259.69 45,705.44 256.23 36,268.24 3.47 9,437.83 4,664.82 1,081.76
177 159.69 28,265.13 99.19 14,102.60 60.51 14,163.16 23,247.40 | 259.69 45,965.13 256.89 36,525.13 2.80 9,440.63 4,722.52 824.87
178 159.69 28,424.82 99.44 14,202.05 60.25 14,223.41 23,147.95 | 259.69 46,224.82 257.56 36,782.68 2.14 9,442.77 4,780.63 567.32
179 159.69 28,584.51 99.70 14,301.75 59.99 14,283.40 23,048.25 | 259.69 46,484.51 258.22 37,040.91 1.47 9,444.24 4,839.16 309.09
180 159.69 28,744.20 99.96 14,401.71 59.73 14,343.13 22,948.29 | 259.69 46,744.20 258.89 37,299.80 0.80 9,445.04 4,898.09 50.20
Year 15 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
181 159.69 28,903.89 100.22 14,501.93 59.47 14,402.61 22,848.07 | 50.33 46,794.53 50.20 37,559.36 0.13 9,445.17 4,957.43 0.00

Loan Paid off in Year 15.

Total Interest Based on 30 Year Loan with No Extra Payment $20,139.68.

Total Interest Saved with Pre-Payment is $10,694.51