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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: $4,250

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
1 163.54 163.54 64.41 64.41 99.13 99.13 38,185.59 | 263.54 263.54 164.41 164.41 99.13 99.13 0.00 38,085.59
2 163.54 327.08 64.58 128.99 98.96 198.10 38,121.01 | 263.54 527.08 164.84 329.25 98.71 197.84 0.26 37,920.75
3 163.54 490.62 64.74 193.73 98.80 296.89 38,056.27 | 263.54 790.62 165.26 494.51 98.28 296.11 0.78 37,755.49
4 163.54 654.16 64.91 258.64 98.63 395.52 37,991.36 | 263.54 1,054.16 165.69 660.20 97.85 393.96 1.56 37,589.80
5 163.54 817.70 65.08 323.73 98.46 493.98 37,926.27 | 263.54 1,317.70 166.12 826.32 97.42 491.38 2.60 37,423.68
6 163.54 981.24 65.25 388.97 98.29 592.27 37,861.03 | 263.54 1,581.24 166.55 992.88 96.99 588.37 3.90 37,257.12
7 163.54 1,144.78 65.42 454.39 98.12 690.40 37,795.61 | 263.54 1,844.78 166.98 1,159.86 96.56 684.93 5.47 37,090.14
8 163.54 1,308.32 65.59 519.98 97.95 788.35 37,730.02 | 263.54 2,108.32 167.42 1,327.28 96.13 781.06 7.29 36,922.72
9 163.54 1,471.86 65.76 585.74 97.78 886.14 37,664.26 | 263.54 2,371.86 167.85 1,495.13 95.69 876.75 9.39 36,754.87
10 163.54 1,635.40 65.93 651.67 97.61 983.75 37,598.33 | 263.54 2,635.40 168.29 1,663.41 95.26 972.01 11.74 36,586.59
11 163.54 1,798.94 66.10 717.77 97.44 1,081.19 37,532.23 | 263.54 2,898.94 168.72 1,832.13 94.82 1,066.83 14.37 36,417.87
12 163.54 1,962.48 66.27 784.04 97.27 1,178.46 37,465.96 | 263.54 3,162.48 169.16 2,001.29 94.38 1,161.21 17.25 36,248.71
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
13 163.54 2,126.02 66.44 850.48 97.10 1,275.56 37,399.52 | 263.54 3,426.02 169.60 2,170.89 93.94 1,255.15 20.41 36,079.11
14 163.54 2,289.56 66.61 917.09 96.93 1,372.49 37,332.91 | 263.54 3,689.56 170.04 2,340.92 93.51 1,348.66 23.83 35,909.08
15 163.54 2,453.10 66.79 983.88 96.75 1,469.24 37,266.12 | 263.54 3,953.10 170.48 2,511.40 93.06 1,441.72 27.52 35,738.60
16 163.54 2,616.64 66.96 1,050.84 96.58 1,565.82 37,199.16 | 263.54 4,216.64 170.92 2,682.32 92.62 1,534.34 31.48 35,567.68
17 163.54 2,780.18 67.13 1,117.98 96.41 1,662.23 37,132.02 | 263.54 4,480.18 171.36 2,853.68 92.18 1,626.52 35.71 35,396.32
18 163.54 2,943.72 67.31 1,185.28 96.23 1,758.47 37,064.72 | 263.54 4,743.72 171.81 3,025.49 91.74 1,718.26 40.21 35,224.51
19 163.54 3,107.26 67.48 1,252.77 96.06 1,854.53 36,997.23 | 263.54 5,007.26 172.25 3,197.74 91.29 1,809.55 44.98 35,052.26
20 163.54 3,270.80 67.66 1,320.42 95.88 1,950.41 36,929.58 | 263.54 5,270.80 172.70 3,370.44 90.84 1,900.39 50.02 34,879.56
21 163.54 3,434.34 67.83 1,388.25 95.71 2,046.12 36,861.75 | 263.54 5,534.34 173.15 3,543.58 90.40 1,990.79 55.33 34,706.42
22 163.54 3,597.88 68.01 1,456.26 95.53 2,141.65 36,793.74 | 263.54 5,797.88 173.59 3,717.18 89.95 2,080.74 60.91 34,532.82
23 163.54 3,761.42 68.18 1,524.45 95.36 2,237.01 36,725.55 | 263.54 6,061.42 174.04 3,891.22 89.50 2,170.23 66.77 34,358.78
24 163.54 3,924.96 68.36 1,592.81 95.18 2,332.19 36,657.19 | 263.54 6,324.96 174.50 4,065.72 89.05 2,259.28 72.91 34,184.28
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
25 163.54 4,088.50 68.54 1,661.35 95.00 2,427.19 36,588.65 | 263.54 6,588.50 174.95 4,240.66 88.59 2,347.88 79.32 34,009.34
26 163.54 4,252.04 68.72 1,730.06 94.83 2,522.02 36,519.94 | 263.54 6,852.04 175.40 4,416.06 88.14 2,436.02 86.00 33,833.94
27 163.54 4,415.58 68.89 1,798.96 94.65 2,616.67 36,451.04 | 263.54 7,115.58 175.86 4,591.92 87.69 2,523.70 92.96 33,658.08
28 163.54 4,579.12 69.07 1,868.03 94.47 2,711.13 36,381.97 | 263.54 7,379.12 176.31 4,768.23 87.23 2,610.93 100.20 33,481.77
29 163.54 4,742.66 69.25 1,937.28 94.29 2,805.42 36,312.72 | 263.54 7,642.66 176.77 4,945.00 86.77 2,697.71 107.72 33,305.00
30 163.54 4,906.20 69.43 2,006.71 94.11 2,899.54 36,243.29 | 263.54 7,906.20 177.23 5,122.23 86.32 2,784.02 115.51 33,127.77
31 163.54 5,069.74 69.61 2,076.32 93.93 2,993.47 36,173.68 | 263.54 8,169.74 177.69 5,299.91 85.86 2,869.88 123.59 32,950.09
32 163.54 5,233.28 69.79 2,146.12 93.75 3,087.22 36,103.88 | 263.54 8,433.28 178.15 5,478.06 85.40 2,955.27 131.94 32,771.94
33 163.54 5,396.82 69.97 2,216.09 93.57 3,180.79 36,033.91 | 263.54 8,696.82 178.61 5,656.66 84.93 3,040.21 140.58 32,593.34
34 163.54 5,560.36 70.15 2,286.24 93.39 3,274.17 35,963.76 | 263.54 8,960.36 179.07 5,835.74 84.47 3,124.68 149.49 32,414.26
35 163.54 5,723.90 70.34 2,356.58 93.21 3,367.38 35,893.42 | 263.54 9,223.90 179.53 6,015.27 84.01 3,208.69 158.69 32,234.73
36 163.54 5,887.44 70.52 2,427.09 93.02 3,460.40 35,822.91 | 263.54 9,487.44 180.00 6,195.27 83.54 3,292.23 168.18 32,054.73
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
37 163.54 6,050.98 70.70 2,497.80 92.84 3,553.24 35,752.20 | 263.54 9,750.98 180.47 6,375.74 83.08 3,375.30 177.94 31,874.26
38 163.54 6,214.52 70.88 2,568.68 92.66 3,645.90 35,681.32 | 263.54 10,014.52 180.93 6,556.67 82.61 3,457.91 187.99 31,693.33
39 163.54 6,378.06 71.07 2,639.75 92.47 3,738.38 35,610.25 | 263.54 10,278.06 181.40 6,738.07 82.14 3,540.05 198.33 31,511.93
40 163.54 6,541.60 71.25 2,711.00 92.29 3,830.67 35,539.00 | 263.54 10,541.60 181.87 6,919.95 81.67 3,621.72 208.95 31,330.05
41 163.54 6,705.14 71.44 2,782.43 92.11 3,922.77 35,467.57 | 263.54 10,805.14 182.34 7,102.29 81.20 3,702.91 219.86 31,147.71
42 163.54 6,868.68 71.62 2,854.06 91.92 4,014.69 35,395.94 | 263.54 11,068.68 182.82 7,285.11 80.72 3,783.64 231.05 30,964.89
43 163.54 7,032.22 71.81 2,925.86 91.73 4,106.43 35,324.14 | 263.54 11,332.22 183.29 7,468.40 80.25 3,863.89 242.54 30,781.60
44 163.54 7,195.76 71.99 2,997.86 91.55 4,197.97 35,252.14 | 263.54 11,595.76 183.77 7,652.16 79.78 3,943.67 254.31 30,597.84
45 163.54 7,359.30 72.18 3,070.04 91.36 4,289.34 35,179.96 | 263.54 11,859.30 184.24 7,836.41 79.30 4,022.96 266.37 30,413.59
46 163.54 7,522.84 72.37 3,142.40 91.17 4,380.51 35,107.60 | 263.54 12,122.84 184.72 8,021.13 78.82 4,101.79 278.72 30,228.87
47 163.54 7,686.38 72.55 3,214.96 90.99 4,471.50 35,035.04 | 263.54 12,386.38 185.20 8,206.33 78.34 4,180.13 291.37 30,043.67
48 163.54 7,849.92 72.74 3,287.70 90.80 4,562.30 34,962.30 | 263.54 12,649.92 185.68 8,392.00 77.86 4,257.99 304.30 29,858.00
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
49 163.54 8,013.46 72.93 3,360.63 90.61 4,652.91 34,889.37 | 263.54 12,913.46 186.16 8,578.16 77.38 4,335.37 317.53 29,671.84
50 163.54 8,177.00 73.12 3,433.75 90.42 4,743.33 34,816.25 | 263.54 13,177.00 186.64 8,764.81 76.90 4,412.27 331.05 29,485.19
51 163.54 8,340.54 73.31 3,507.06 90.23 4,833.56 34,742.94 | 263.54 13,440.54 187.13 8,951.93 76.42 4,488.69 344.87 29,298.07
52 163.54 8,504.08 73.50 3,580.56 90.04 4,923.60 34,669.44 | 263.54 13,704.08 187.61 9,139.54 75.93 4,564.62 358.98 29,110.46
53 163.54 8,667.62 73.69 3,654.25 89.85 5,013.45 34,595.75 | 263.54 13,967.62 188.10 9,327.64 75.44 4,640.07 373.39 28,922.36
54 163.54 8,831.16 73.88 3,728.13 89.66 5,103.12 34,521.87 | 263.54 14,231.16 188.58 9,516.22 74.96 4,715.02 388.09 28,733.78
55 163.54 8,994.70 74.07 3,802.20 89.47 5,192.58 34,447.80 | 263.54 14,494.70 189.07 9,705.30 74.47 4,789.49 403.09 28,544.70
56 163.54 9,158.24 74.26 3,876.47 89.28 5,281.86 34,373.53 | 263.54 14,758.24 189.56 9,894.86 73.98 4,863.47 418.39 28,355.14
57 163.54 9,321.78 74.46 3,950.92 89.08 5,370.95 34,299.08 | 263.54 15,021.78 190.05 10,084.91 73.49 4,936.96 433.99 28,165.09
58 163.54 9,485.32 74.65 4,025.57 88.89 5,459.84 34,224.43 | 263.54 15,285.32 190.55 10,275.46 72.99 5,009.95 449.89 27,974.54
59 163.54 9,648.86 74.84 4,100.42 88.70 5,548.54 34,149.58 | 263.54 15,548.86 191.04 10,466.50 72.50 5,082.45 466.08 27,783.50
60 163.54 9,812.40 75.04 4,175.45 88.50 5,637.04 34,074.55 | 263.54 15,812.40 191.54 10,658.04 72.01 5,154.46 482.58 27,591.96
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
61 163.54 9,975.94 75.23 4,250.69 88.31 5,725.35 33,999.31 | 263.54 16,075.94 192.03 10,850.07 71.51 5,225.97 499.38 27,399.93
62 163.54 10,139.48 75.43 4,326.11 88.11 5,813.47 33,923.89 | 263.54 16,339.48 192.53 11,042.60 71.01 5,296.98 516.49 27,207.40
63 163.54 10,303.02 75.62 4,401.74 87.92 5,901.39 33,848.26 | 263.54 16,603.02 193.03 11,235.63 70.51 5,367.49 533.89 27,014.37
64 163.54 10,466.56 75.82 4,477.55 87.72 5,989.11 33,772.45 | 263.54 16,866.56 193.53 11,429.16 70.01 5,437.50 551.61 26,820.84
65 163.54 10,630.10 76.01 4,553.57 87.53 6,076.64 33,696.43 | 263.54 17,130.10 194.03 11,623.19 69.51 5,507.01 569.62 26,626.81
66 163.54 10,793.64 76.21 4,629.78 87.33 6,163.97 33,620.22 | 263.54 17,393.64 194.53 11,817.72 69.01 5,576.02 587.94 26,432.28
67 163.54 10,957.18 76.41 4,706.19 87.13 6,251.10 33,543.81 | 263.54 17,657.18 195.04 12,012.76 68.50 5,644.52 606.57 26,237.24
68 163.54 11,120.72 76.61 4,782.80 86.93 6,338.03 33,467.20 | 263.54 17,920.72 195.54 12,208.31 68.00 5,712.52 625.51 26,041.69
69 163.54 11,284.26 76.81 4,859.60 86.74 6,424.77 33,390.40 | 263.54 18,184.26 196.05 12,404.36 67.49 5,780.01 644.75 25,845.64
70 163.54 11,447.80 77.00 4,936.61 86.54 6,511.30 33,313.39 | 263.54 18,447.80 196.56 12,600.91 66.98 5,847.00 664.31 25,649.09
71 163.54 11,611.34 77.20 5,013.81 86.34 6,597.64 33,236.19 | 263.54 18,711.34 197.07 12,797.98 66.47 5,913.47 684.17 25,452.02
72 163.54 11,774.88 77.40 5,091.22 86.14 6,683.78 33,158.78 | 263.54 18,974.88 197.58 12,995.56 65.96 5,979.43 704.34 25,254.44
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
73 163.54 11,938.42 77.61 5,168.82 85.94 6,769.72 33,081.18 | 263.54 19,238.42 198.09 13,193.65 65.45 6,044.89 724.83 25,056.35
74 163.54 12,101.96 77.81 5,246.63 85.74 6,855.45 33,003.37 | 263.54 19,501.96 198.60 13,392.25 64.94 6,109.82 745.63 24,857.75
75 163.54 12,265.50 78.01 5,324.63 85.53 6,940.98 32,925.37 | 263.54 19,765.50 199.12 13,591.37 64.42 6,174.25 766.74 24,658.63
76 163.54 12,429.04 78.21 5,402.84 85.33 7,026.32 32,847.16 | 263.54 20,029.04 199.63 13,791.01 63.91 6,238.15 788.16 24,458.99
77 163.54 12,592.58 78.41 5,481.26 85.13 7,111.45 32,768.74 | 263.54 20,292.58 200.15 13,991.16 63.39 6,301.54 809.90 24,258.84
78 163.54 12,756.12 78.62 5,559.87 84.93 7,196.37 32,690.13 | 263.54 20,556.12 200.67 14,191.83 62.87 6,364.41 831.96 24,058.17
79 163.54 12,919.66 78.82 5,638.69 84.72 7,281.09 32,611.31 | 263.54 20,819.66 201.19 14,393.02 62.35 6,426.76 854.33 23,856.98
80 163.54 13,083.20 79.02 5,717.72 84.52 7,365.61 32,532.28 | 263.54 21,083.20 201.71 14,594.73 61.83 6,488.59 877.02 23,655.27
81 163.54 13,246.74 79.23 5,796.95 84.31 7,449.92 32,453.05 | 263.54 21,346.74 202.24 14,796.97 61.31 6,549.90 900.02 23,453.03
82 163.54 13,410.28 79.43 5,876.38 84.11 7,534.03 32,373.62 | 263.54 21,610.28 202.76 14,999.73 60.78 6,610.68 923.35 23,250.27
83 163.54 13,573.82 79.64 5,956.02 83.90 7,617.93 32,293.98 | 263.54 21,873.82 203.28 15,203.01 60.26 6,670.94 946.99 23,046.99
84 163.54 13,737.36 79.85 6,035.87 83.70 7,701.63 32,214.13 | 263.54 22,137.36 203.81 15,406.82 59.73 6,730.67 970.96 22,843.18
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
85 163.54 13,900.90 80.05 6,115.92 83.49 7,785.12 32,134.08 | 263.54 22,400.90 204.34 15,611.16 59.20 6,789.87 995.24 22,638.84
86 163.54 14,064.44 80.26 6,196.18 83.28 7,868.40 32,053.82 | 263.54 22,664.44 204.87 15,816.03 58.67 6,848.54 1,019.85 22,433.97
87 163.54 14,227.98 80.47 6,276.65 83.07 7,951.47 31,973.35 | 263.54 22,927.98 205.40 16,021.43 58.14 6,906.69 1,044.78 22,228.57
88 163.54 14,391.52 80.68 6,357.33 82.86 8,034.33 31,892.67 | 263.54 23,191.52 205.93 16,227.37 57.61 6,964.29 1,070.04 22,022.63
89 163.54 14,555.06 80.89 6,438.21 82.66 8,116.99 31,811.79 | 263.54 23,455.06 206.47 16,433.83 57.08 7,021.37 1,095.62 21,816.17
90 163.54 14,718.60 81.10 6,519.31 82.45 8,199.43 31,730.69 | 263.54 23,718.60 207.00 16,640.83 56.54 7,077.91 1,121.52 21,609.17
91 163.54 14,882.14 81.31 6,600.62 82.24 8,281.67 31,649.38 | 263.54 23,982.14 207.54 16,848.37 56.00 7,133.91 1,147.76 21,401.63
92 163.54 15,045.68 81.52 6,682.13 82.02 8,363.69 31,567.87 | 263.54 24,245.68 208.08 17,056.45 55.47 7,189.38 1,174.31 21,193.55
93 163.54 15,209.22 81.73 6,763.86 81.81 8,445.51 31,486.14 | 263.54 24,509.22 208.61 17,265.06 54.93 7,244.31 1,201.20 20,984.94
94 163.54 15,372.76 81.94 6,845.80 81.60 8,527.11 31,404.20 | 263.54 24,772.76 209.16 17,474.22 54.39 7,298.69 1,228.42 20,775.78
95 163.54 15,536.30 82.15 6,927.95 81.39 8,608.50 31,322.05 | 263.54 25,036.30 209.70 17,683.92 53.84 7,352.54 1,255.96 20,566.08
96 163.54 15,699.84 82.37 7,010.32 81.18 8,689.68 31,239.68 | 263.54 25,299.84 210.24 17,894.16 53.30 7,405.84 1,283.84 20,355.84
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
97 163.54 15,863.38 82.58 7,092.90 80.96 8,770.64 31,157.10 | 263.54 25,563.38 210.79 18,104.94 52.76 7,458.59 1,312.05 20,145.06
98 163.54 16,026.92 82.79 7,175.69 80.75 8,851.39 31,074.31 | 263.54 25,826.92 211.33 18,316.28 52.21 7,510.80 1,340.59 19,933.72
99 163.54 16,190.46 83.01 7,258.70 80.53 8,931.92 30,991.30 | 263.54 26,090.46 211.88 18,528.16 51.66 7,562.46 1,369.46 19,721.84
100 163.54 16,354.00 83.22 7,341.92 80.32 9,012.24 30,908.08 | 263.54 26,354.00 212.43 18,740.58 51.11 7,613.58 1,398.66 19,509.42
101 163.54 16,517.54 83.44 7,425.36 80.10 9,092.34 30,824.64 | 263.54 26,617.54 212.98 18,953.56 50.56 7,664.14 1,428.21 19,296.44
102 163.54 16,681.08 83.65 7,509.01 79.89 9,172.23 30,740.99 | 263.54 26,881.08 213.53 19,167.10 50.01 7,714.15 1,458.08 19,082.90
103 163.54 16,844.62 83.87 7,592.88 79.67 9,251.90 30,657.12 | 263.54 27,144.62 214.09 19,381.18 49.46 7,763.60 1,488.30 18,868.82
104 163.54 17,008.16 84.09 7,676.97 79.45 9,331.35 30,573.03 | 263.54 27,408.16 214.64 19,595.82 48.90 7,812.51 1,518.85 18,654.18
105 163.54 17,171.70 84.31 7,761.28 79.24 9,410.59 30,488.72 | 263.54 27,671.70 215.20 19,811.02 48.35 7,860.85 1,549.74 18,438.98
106 163.54 17,335.24 84.52 7,845.80 79.02 9,489.61 30,404.20 | 263.54 27,935.24 215.75 20,026.77 47.79 7,908.64 1,580.97 18,223.23
107 163.54 17,498.78 84.74 7,930.55 78.80 9,568.40 30,319.45 | 263.54 28,198.78 216.31 20,243.08 47.23 7,955.87 1,612.54 18,006.92
108 163.54 17,662.32 84.96 8,015.51 78.58 9,646.98 30,234.49 | 263.54 28,462.32 216.87 20,459.96 46.67 8,002.54 1,644.45 17,790.04
Year 9 Completed - Top of Page, Short Cuts
Month Payment Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Balance   Payment
Plus Extra		 Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Interest
Saved		 Balance
109 163.54 17,825.86 85.18 8,100.70 78.36 9,725.34 30,149.30 | 263.54 28,725.86 217.44 20,677.39 46.11 8,048.64 1,676.70 17,572.61
110 163.54 17,989.40 85.40 8,186.10 78.14 9,803.48 30,063.90 | 263.54 28,989.40 218.00 20,895.39 45.54 8,094.18 1,709.29 17,354.61
111 163.54 18,152.94 85.63 8,271.73 77.92 9,881.39 29,978.27 | 263.54 29,252.94 218.56 21,113.96 44.98 8,139.16 1,742.23 17,136.04
112 163.54 18,316.48 85.85 8,357.57 77.69 9,959.09 29,892.43 | 263.54 29,516.48 219.13 21,333.09 44.41 8,183.57 1,775.51 16,916.91
113 163.54 18,480.02 86.07 8,443.64 77.47 10,036.56 29,806.36 | 263.54 29,780.02 219.70 21,552.79 43.84 8,227.41 1,809.14 16,697.21
114 163.54 18,643.56 86.29 8,529.94 77.25 10,113.80 29,720.06 | 263.54 30,043.56 220.27 21,773.05 43.27 8,270.69 1,843.12 16,476.95
115 163.54 18,807.10 86.52 8,616.45 77.02 10,190.83 29,633.55 | 263.54 30,307.10 220.84 21,993.89 42.70 8,313.39 1,877.44 16,256.11
116 163.54 18,970.64 86.74 8,703.20 76.80 10,267.63 29,546.80 | 263.54 30,570.64 221.41 22,215.30 42.13 8,355.52 1,912.11 16,034.70
117 163.54 19,134.18 86.97 8,790.16 76.58 10,344.21 29,459.84 | 263.54 30,834.18 221.99 22,437.29 41.56 8,397.08 1,947.13 15,812.71
118 163.54 19,297.72 87.19 8,877.35 76.35 10,420.56 29,372.65 | 263.54 31,097.72 222.56 22,659.85 40.98 8,438.06 1,982.50 15,590.15
119 163.54 19,461.26 87.42 8,964.77 76.12 10,496.68 29,285.23 | 263.54 31,361.26 223.14 22,882.99 40.40 8,478.46 2,018.22 15,367.01
120 163.54 19,624.80 87.64 9,052.42 75.90 10,572.58 29,197.58 | 263.54 31,624.80 223.72 23,106.70 39.83 8,518.29 2,054.29 15,143.30
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
121 163.54 19,788.34 87.87 9,140.29 75.67 10,648.25 29,109.71 | 263.54 31,888.34 224.30 23,331.00 39.25 8,557.54 2,090.71 14,919.00
122 163.54 19,951.88 88.10 9,228.39 75.44 10,723.69 29,021.61 | 263.54 32,151.88 224.88 23,555.87 38.67 8,596.20 2,127.49 14,694.13
123 163.54 20,115.42 88.33 9,316.71 75.21 10,798.90 28,933.29 | 263.54 32,415.42 225.46 23,781.33 38.08 8,634.28 2,164.62 14,468.67
124 163.54 20,278.96 88.56 9,405.27 74.99 10,873.89 28,844.73 | 263.54 32,678.96 226.04 24,007.38 37.50 8,671.78 2,202.11 14,242.62
125 163.54 20,442.50 88.79 9,494.05 74.76 10,948.65 28,755.95 | 263.54 32,942.50 226.63 24,234.01 36.91 8,708.69 2,239.95 14,015.99
126 163.54 20,606.04 89.02 9,583.07 74.53 11,023.17 28,666.93 | 263.54 33,206.04 227.22 24,461.22 36.32 8,745.02 2,278.15 13,788.78
127 163.54 20,769.58 89.25 9,672.32 74.30 11,097.47 28,577.68 | 263.54 33,469.58 227.81 24,689.03 35.74 8,780.75 2,316.71 13,560.97
128 163.54 20,933.12 89.48 9,761.79 74.06 11,171.53 28,488.21 | 263.54 33,733.12 228.40 24,917.42 35.15 8,815.90 2,355.63 13,332.58
129 163.54 21,096.66 89.71 9,851.50 73.83 11,245.36 28,398.50 | 263.54 33,996.66 228.99 25,146.41 34.55 8,850.45 2,394.91 13,103.59
130 163.54 21,260.20 89.94 9,941.45 73.60 11,318.96 28,308.55 | 263.54 34,260.20 229.58 25,375.99 33.96 8,884.41 2,434.55 12,874.01
131 163.54 21,423.74 90.18 10,031.62 73.37 11,392.33 28,218.38 | 263.54 34,523.74 230.18 25,606.17 33.37 8,917.78 2,474.55 12,643.83
132 163.54 21,587.28 90.41 10,122.03 73.13 11,465.46 28,127.97 | 263.54 34,787.28 230.77 25,836.94 32.77 8,950.55 2,514.91 12,413.06
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
133 163.54 21,750.82 90.64 10,212.67 72.90 11,538.36 28,037.33 | 263.54 35,050.82 231.37 26,068.31 32.17 8,982.72 2,555.64 12,181.69
134 163.54 21,914.36 90.88 10,303.55 72.66 11,611.02 27,946.45 | 263.54 35,314.36 231.97 26,300.29 31.57 9,014.29 2,596.73 11,949.71
135 163.54 22,077.90 91.11 10,394.67 72.43 11,683.45 27,855.33 | 263.54 35,577.90 232.57 26,532.86 30.97 9,045.26 2,638.19 11,717.14
136 163.54 22,241.44 91.35 10,486.02 72.19 11,755.64 27,763.98 | 263.54 35,841.44 233.17 26,766.03 30.37 9,075.63 2,680.02 11,483.97
137 163.54 22,404.98 91.59 10,577.60 71.95 11,827.60 27,672.40 | 263.54 36,104.98 233.78 26,999.81 29.76 9,105.39 2,722.21 11,250.19
138 163.54 22,568.52 91.82 10,669.43 71.72 11,899.31 27,580.57 | 263.54 36,368.52 234.38 27,234.20 29.16 9,134.54 2,764.77 11,015.80
139 163.54 22,732.06 92.06 10,761.49 71.48 11,970.79 27,488.51 | 263.54 36,632.06 234.99 27,469.19 28.55 9,163.09 2,807.70 10,780.81
140 163.54 22,895.60 92.30 10,853.79 71.24 12,042.04 27,396.21 | 263.54 36,895.60 235.60 27,704.79 27.94 9,191.03 2,851.00 10,545.21
141 163.54 23,059.14 92.54 10,946.33 71.00 12,113.04 27,303.67 | 263.54 37,159.14 236.21 27,941.00 27.33 9,218.36 2,894.67 10,309.00
142 163.54 23,222.68 92.78 11,039.11 70.76 12,183.80 27,210.89 | 263.54 37,422.68 236.82 28,177.83 26.72 9,245.08 2,938.72 10,072.17
143 163.54 23,386.22 93.02 11,132.13 70.52 12,254.32 27,117.87 | 263.54 37,686.22 237.44 28,415.26 26.10 9,271.19 2,983.14 9,834.74
144 163.54 23,549.76 93.26 11,225.39 70.28 12,324.60 27,024.61 | 263.54 37,949.76 238.05 28,653.32 25.49 9,296.67 3,027.93 9,596.68
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
145 163.54 23,713.30 93.50 11,318.89 70.04 12,394.64 26,931.11 | 263.54 38,213.30 238.67 28,891.99 24.87 9,321.55 3,073.09 9,358.01
146 163.54 23,876.84 93.75 11,412.64 69.80 12,464.44 26,837.36 | 263.54 38,476.84 239.29 29,131.28 24.25 9,345.80 3,118.64 9,118.72
147 163.54 24,040.38 93.99 11,506.62 69.55 12,533.99 26,743.38 | 263.54 38,740.38 239.91 29,371.18 23.63 9,369.43 3,164.56 8,878.82
148 163.54 24,203.92 94.23 11,600.86 69.31 12,603.30 26,649.14 | 263.54 39,003.92 240.53 29,611.72 23.01 9,392.44 3,210.86 8,638.28
149 163.54 24,367.46 94.48 11,695.33 69.07 12,672.37 26,554.67 | 263.54 39,267.46 241.15 29,852.87 22.39 9,414.83 3,257.54 8,397.13
150 163.54 24,531.00 94.72 11,790.05 68.82 12,741.19 26,459.95 | 263.54 39,531.00 241.78 30,094.65 21.76 9,436.59 3,304.59 8,155.35
151 163.54 24,694.54 94.97 11,885.02 68.58 12,809.76 26,364.98 | 263.54 39,794.54 242.41 30,337.05 21.14 9,457.73 3,352.03 7,912.95
152 163.54 24,858.08 95.21 11,980.23 68.33 12,878.09 26,269.77 | 263.54 40,058.08 243.03 30,580.09 20.51 9,478.24 3,399.86 7,669.91
153 163.54 25,021.62 95.46 12,075.69 68.08 12,946.17 26,174.31 | 263.54 40,321.62 243.66 30,823.75 19.88 9,498.11 3,448.06 7,426.25
154 163.54 25,185.16 95.71 12,171.40 67.84 13,014.01 26,078.60 | 263.54 40,585.16 244.30 31,068.05 19.25 9,517.36 3,496.65 7,181.95
155 163.54 25,348.70 95.95 12,267.35 67.59 13,081.60 25,982.65 | 263.54 40,848.70 244.93 31,312.97 18.61 9,535.97 3,545.62 6,937.03
156 163.54 25,512.24 96.20 12,363.56 67.34 13,148.93 25,886.44 | 263.54 41,112.24 245.56 31,558.54 17.98 9,553.95 3,594.98 6,691.46
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
157 163.54 25,675.78 96.45 12,460.01 67.09 13,216.02 25,789.99 | 263.54 41,375.78 246.20 31,804.74 17.34 9,571.29 3,644.73 6,445.26
158 163.54 25,839.32 96.70 12,556.71 66.84 13,282.86 25,693.29 | 263.54 41,639.32 246.84 32,051.58 16.70 9,588.00 3,694.86 6,198.42
159 163.54 26,002.86 96.95 12,653.66 66.59 13,349.45 25,596.34 | 263.54 41,902.86 247.48 32,299.05 16.06 9,604.06 3,745.39 5,950.95
160 163.54 26,166.40 97.20 12,750.87 66.34 13,415.79 25,499.13 | 263.54 42,166.40 248.12 32,547.17 15.42 9,619.48 3,796.30 5,702.83
161 163.54 26,329.94 97.46 12,848.32 66.09 13,481.87 25,401.68 | 263.54 42,429.94 248.76 32,795.93 14.78 9,634.26 3,847.61 5,454.07
162 163.54 26,493.48 97.71 12,946.03 65.83 13,547.71 25,303.97 | 263.54 42,693.48 249.41 33,045.34 14.14 9,648.40 3,899.31 5,204.66
163 163.54 26,657.02 97.96 13,044.00 65.58 13,613.29 25,206.00 | 263.54 42,957.02 250.05 33,295.39 13.49 9,661.89 3,951.40 4,954.61
164 163.54 26,820.56 98.22 13,142.21 65.33 13,678.61 25,107.79 | 263.54 43,220.56 250.70 33,546.09 12.84 9,674.73 4,003.88 4,703.91
165 163.54 26,984.10 98.47 13,240.68 65.07 13,743.68 25,009.32 | 263.54 43,484.10 251.35 33,797.44 12.19 9,686.92 4,056.76 4,452.56
166 163.54 27,147.64 98.73 13,339.41 64.82 13,808.50 24,910.59 | 263.54 43,747.64 252.00 34,049.45 11.54 9,698.46 4,110.04 4,200.55
167 163.54 27,311.18 98.98 13,438.39 64.56 13,873.06 24,811.61 | 263.54 44,011.18 252.66 34,302.10 10.89 9,709.35 4,163.71 3,947.90
168 163.54 27,474.72 99.24 13,537.63 64.30 13,937.36 24,712.37 | 263.54 44,274.72 253.31 34,555.41 10.23 9,719.58 4,217.78 3,694.59
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
169 163.54 27,638.26 99.50 13,637.12 64.05 14,001.41 24,612.88 | 263.54 44,538.26 253.97 34,809.38 9.58 9,729.15 4,272.25 3,440.62
170 163.54 27,801.80 99.75 13,736.88 63.79 14,065.20 24,513.12 | 263.54 44,801.80 254.62 35,064.00 8.92 9,738.07 4,327.13 3,186.00
171 163.54 27,965.34 100.01 13,836.89 63.53 14,128.73 24,413.11 | 263.54 45,065.34 255.28 35,319.29 8.26 9,746.33 4,382.40 2,930.71
172 163.54 28,128.88 100.27 13,937.16 63.27 14,192.00 24,312.84 | 263.54 45,328.88 255.95 35,575.23 7.60 9,753.92 4,438.07 2,674.77
173 163.54 28,292.42 100.53 14,037.69 63.01 14,255.01 24,212.31 | 263.54 45,592.42 256.61 35,831.84 6.93 9,760.85 4,494.15 2,418.16
174 163.54 28,455.96 100.79 14,138.48 62.75 14,317.76 24,111.52 | 263.54 45,855.96 257.27 36,089.12 6.27 9,767.12 4,550.64 2,160.88
175 163.54 28,619.50 101.05 14,239.53 62.49 14,380.25 24,010.47 | 263.54 46,119.50 257.94 36,347.06 5.60 9,772.72 4,607.52 1,902.94
176 163.54 28,783.04 101.31 14,340.85 62.23 14,442.47 23,909.15 | 263.54 46,383.04 258.61 36,605.67 4.93 9,777.65 4,664.82 1,644.33
177 163.54 28,946.58 101.58 14,442.43 61.96 14,504.44 23,807.57 | 263.54 46,646.58 259.28 36,864.95 4.26 9,781.91 4,722.52 1,385.05
178 163.54 29,110.12 101.84 14,544.27 61.70 14,566.14 23,705.73 | 263.54 46,910.12 259.95 37,124.90 3.59 9,785.50 4,780.63 1,125.10
179 163.54 29,273.66 102.10 14,646.37 61.44 14,627.58 23,603.63 | 263.54 47,173.66 260.63 37,385.53 2.92 9,788.42 4,839.16 864.47
180 163.54 29,437.20 102.37 14,748.74 61.17 14,688.75 23,501.26 | 263.54 47,437.20 261.30 37,646.83 2.24 9,790.66 4,898.09 603.17
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
181 163.54 29,600.74 102.63 14,851.37 60.91 14,749.66 23,398.63 | 263.54 47,700.74 261.98 37,908.81 1.56 9,792.22 4,957.43 341.19
182 163.54 29,764.28 102.90 14,954.27 60.64 14,810.30 23,295.73 | 263.54 47,964.28 262.66 38,171.46 0.88 9,793.11 5,017.19 78.54
183 163.54 29,927.82 103.17 15,057.44 60.37 14,870.67 23,192.56 | 78.74 48,043.02 78.54 38,434.80 0.20 9,793.31 5,077.36 0.00

Loan Paid off in Year 15.

Total Interest Based on 30 Year Loan with No Extra Payment $20,624.98.

Total Interest Saved with Pre-Payment is $10,831.66