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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: $4,500

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
1 173.16 173.16 68.20 68.20 104.96 104.96 40,431.80 | 273.16 273.16 168.20 168.20 104.96 104.96 0.00 40,331.80
2 173.16 346.32 68.38 136.58 104.79 209.75 40,363.42 | 273.16 546.32 168.64 336.83 104.53 209.49 0.26 40,163.17
3 173.16 519.48 68.55 205.13 104.61 314.36 40,294.87 | 273.16 819.48 169.07 505.91 104.09 313.58 0.78 39,994.09
4 173.16 692.64 68.73 273.86 104.43 418.79 40,226.14 | 273.16 1,092.64 169.51 675.42 103.65 417.23 1.56 39,824.58
5 173.16 865.80 68.91 342.77 104.25 523.04 40,157.23 | 273.16 1,365.80 169.95 845.37 103.21 520.44 2.60 39,654.63
6 173.16 1,038.96 69.09 411.86 104.07 627.11 40,088.14 | 273.16 1,638.96 170.39 1,015.76 102.77 623.21 3.90 39,484.24
7 173.16 1,212.12 69.27 481.12 103.90 731.01 40,018.88 | 273.16 1,912.12 170.83 1,186.59 102.33 725.54 5.47 39,313.41
8 173.16 1,385.28 69.45 550.57 103.72 834.73 39,949.43 | 273.16 2,185.28 171.27 1,357.86 101.89 827.43 7.29 39,142.14
9 173.16 1,558.44 69.63 620.19 103.54 938.26 39,879.81 | 273.16 2,458.44 171.72 1,529.58 101.44 928.87 9.39 38,970.42
10 173.16 1,731.60 69.81 690.00 103.36 1,041.62 39,810.00 | 273.16 2,731.60 172.16 1,701.74 101.00 1,029.87 11.74 38,798.26
11 173.16 1,904.76 69.99 759.99 103.17 1,144.79 39,740.01 | 273.16 3,004.76 172.61 1,874.35 100.55 1,130.42 14.37 38,625.65
12 173.16 2,077.92 70.17 830.16 102.99 1,247.78 39,669.84 | 273.16 3,277.92 173.06 2,047.41 100.10 1,230.53 17.25 38,452.59
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
13 173.16 2,251.08 70.35 900.51 102.81 1,350.59 39,599.49 | 273.16 3,551.08 173.51 2,220.92 99.66 1,330.19 20.41 38,279.08
14 173.16 2,424.24 70.53 971.04 102.63 1,453.22 39,528.96 | 273.16 3,824.24 173.96 2,394.87 99.21 1,429.39 23.83 38,105.13
15 173.16 2,597.40 70.72 1,041.76 102.45 1,555.67 39,458.24 | 273.16 4,097.40 174.41 2,569.28 98.76 1,528.15 27.52 37,930.72
16 173.16 2,770.56 70.90 1,112.66 102.26 1,657.93 39,387.34 | 273.16 4,370.56 174.86 2,744.14 98.30 1,626.45 31.48 37,755.86
17 173.16 2,943.72 71.08 1,183.74 102.08 1,760.01 39,316.26 | 273.16 4,643.72 175.31 2,919.45 97.85 1,724.30 35.71 37,580.55
18 173.16 3,116.88 71.27 1,255.01 101.89 1,861.90 39,244.99 | 273.16 4,916.88 175.77 3,095.21 97.40 1,821.70 40.21 37,404.79
19 173.16 3,290.04 71.45 1,326.46 101.71 1,963.61 39,173.54 | 273.16 5,190.04 176.22 3,271.43 96.94 1,918.64 44.98 37,228.57
20 173.16 3,463.20 71.64 1,398.09 101.52 2,065.14 39,101.91 | 273.16 5,463.20 176.68 3,448.11 96.48 2,015.12 50.02 37,051.89
21 173.16 3,636.36 71.82 1,469.92 101.34 2,166.48 39,030.08 | 273.16 5,736.36 177.14 3,625.25 96.03 2,111.15 55.33 36,874.75
22 173.16 3,809.52 72.01 1,541.93 101.15 2,267.63 38,958.07 | 273.16 6,009.52 177.59 3,802.84 95.57 2,206.72 60.91 36,697.16
23 173.16 3,982.68 72.20 1,614.12 100.97 2,368.60 38,885.88 | 273.16 6,282.68 178.05 3,980.90 95.11 2,301.82 66.77 36,519.10
24 173.16 4,155.84 72.38 1,686.50 100.78 2,469.38 38,813.50 | 273.16 6,555.84 178.52 4,159.41 94.65 2,396.47 72.91 36,340.59
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
25 173.16 4,329.00 72.57 1,759.07 100.59 2,569.97 38,740.93 | 273.16 6,829.00 178.98 4,338.39 94.18 2,490.65 79.32 36,161.61
26 173.16 4,502.16 72.76 1,831.83 100.40 2,670.37 38,668.17 | 273.16 7,102.16 179.44 4,517.83 93.72 2,584.37 86.00 35,982.17
27 173.16 4,675.32 72.95 1,904.78 100.22 2,770.59 38,595.22 | 273.16 7,375.32 179.91 4,697.74 93.25 2,677.62 92.96 35,802.26
28 173.16 4,848.48 73.14 1,977.91 100.03 2,870.61 38,522.09 | 273.16 7,648.48 180.37 4,878.12 92.79 2,770.41 100.20 35,621.88
29 173.16 5,021.64 73.33 2,051.24 99.84 2,970.45 38,448.76 | 273.16 7,921.64 180.84 5,058.96 92.32 2,862.73 107.72 35,441.04
30 173.16 5,194.80 73.52 2,124.75 99.65 3,070.10 38,375.25 | 273.16 8,194.80 181.31 5,240.27 91.85 2,954.58 115.51 35,259.73
31 173.16 5,367.96 73.71 2,198.46 99.46 3,169.55 38,301.54 | 273.16 8,467.96 181.78 5,422.05 91.38 3,045.96 123.59 35,077.95
32 173.16 5,541.12 73.90 2,272.36 99.26 3,268.82 38,227.64 | 273.16 8,741.12 182.25 5,604.30 90.91 3,136.88 131.94 34,895.70
33 173.16 5,714.28 74.09 2,346.45 99.07 3,367.89 38,153.55 | 273.16 9,014.28 182.72 5,787.02 90.44 3,227.31 140.58 34,712.98
34 173.16 5,887.44 74.28 2,420.73 98.88 3,466.77 38,079.27 | 273.16 9,287.44 183.20 5,970.22 89.96 3,317.28 149.49 34,529.78
35 173.16 6,060.60 74.47 2,495.20 98.69 3,565.46 38,004.80 | 273.16 9,560.60 183.67 6,153.89 89.49 3,406.77 158.69 34,346.11
36 173.16 6,233.76 74.67 2,569.86 98.50 3,663.96 37,930.14 | 273.16 9,833.76 184.15 6,338.04 89.01 3,495.78 168.18 34,161.96
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
37 173.16 6,406.92 74.86 2,644.72 98.30 3,762.26 37,855.28 | 273.16 10,106.92 184.63 6,522.67 88.54 3,584.32 177.94 33,977.33
38 173.16 6,580.08 75.05 2,719.78 98.11 3,860.37 37,780.22 | 273.16 10,380.08 185.10 6,707.77 88.06 3,672.38 187.99 33,792.23
39 173.16 6,753.24 75.25 2,795.03 97.91 3,958.28 37,704.97 | 273.16 10,653.24 185.58 6,893.35 87.58 3,759.95 198.33 33,606.65
40 173.16 6,926.40 75.44 2,870.47 97.72 4,056.00 37,629.53 | 273.16 10,926.40 186.06 7,079.42 87.10 3,847.05 208.95 33,420.58
41 173.16 7,099.56 75.64 2,946.11 97.52 4,153.52 37,553.89 | 273.16 11,199.56 186.55 7,265.96 86.62 3,933.67 219.86 33,234.04
42 173.16 7,272.72 75.83 3,021.94 97.33 4,250.85 37,478.06 | 273.16 11,472.72 187.03 7,452.99 86.13 4,019.80 231.05 33,047.01
43 173.16 7,445.88 76.03 3,097.97 97.13 4,347.98 37,402.03 | 273.16 11,745.88 187.51 7,640.51 85.65 4,105.44 242.54 32,859.49
44 173.16 7,619.04 76.23 3,174.20 96.93 4,444.91 37,325.80 | 273.16 12,019.04 188.00 7,828.51 85.16 4,190.60 254.31 32,671.49
45 173.16 7,792.20 76.43 3,250.63 96.74 4,541.65 37,249.37 | 273.16 12,292.20 188.49 8,017.00 84.67 4,275.28 266.37 32,483.00
46 173.16 7,965.36 76.62 3,327.25 96.54 4,638.19 37,172.75 | 273.16 12,565.36 188.98 8,205.97 84.19 4,359.46 278.72 32,294.03
47 173.16 8,138.52 76.82 3,404.07 96.34 4,734.53 37,095.93 | 273.16 12,838.52 189.47 8,395.44 83.70 4,443.16 291.37 32,104.56
48 173.16 8,311.68 77.02 3,481.09 96.14 4,830.67 37,018.91 | 273.16 13,111.68 189.96 8,585.40 83.20 4,526.36 304.30 31,914.60
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
49 173.16 8,484.84 77.22 3,558.32 95.94 4,926.61 36,941.68 | 273.16 13,384.84 190.45 8,775.85 82.71 4,609.08 317.53 31,724.15
50 173.16 8,658.00 77.42 3,635.74 95.74 5,022.35 36,864.26 | 273.16 13,658.00 190.94 8,966.79 82.22 4,691.29 331.05 31,533.21
51 173.16 8,831.16 77.62 3,713.36 95.54 5,117.89 36,786.64 | 273.16 13,931.16 191.44 9,158.23 81.72 4,773.02 344.87 31,341.77
52 173.16 9,004.32 77.82 3,791.18 95.34 5,213.23 36,708.82 | 273.16 14,204.32 191.93 9,350.16 81.23 4,854.24 358.98 31,149.84
53 173.16 9,177.48 78.02 3,869.21 95.14 5,308.36 36,630.79 | 273.16 14,477.48 192.43 9,542.59 80.73 4,934.97 373.39 30,957.41
54 173.16 9,350.64 78.23 3,947.43 94.93 5,403.30 36,552.57 | 273.16 14,750.64 192.93 9,735.53 80.23 5,015.21 388.09 30,764.47
55 173.16 9,523.80 78.43 4,025.86 94.73 5,498.03 36,474.14 | 273.16 15,023.80 193.43 9,928.96 79.73 5,094.94 403.09 30,571.04
56 173.16 9,696.96 78.63 4,104.50 94.53 5,592.56 36,395.50 | 273.16 15,296.96 193.93 10,122.89 79.23 5,174.17 418.39 30,377.11
57 173.16 9,870.12 78.84 4,183.33 94.33 5,686.88 36,316.67 | 273.16 15,570.12 194.43 10,317.32 78.73 5,252.89 433.99 30,182.68
58 173.16 10,043.28 79.04 4,262.37 94.12 5,781.01 36,237.63 | 273.16 15,843.28 194.94 10,512.26 78.22 5,331.12 449.89 29,987.74
59 173.16 10,216.44 79.25 4,341.62 93.92 5,874.92 36,158.38 | 273.16 16,116.44 195.44 10,707.70 77.72 5,408.84 466.08 29,792.30
60 173.16 10,389.60 79.45 4,421.07 93.71 5,968.63 36,078.93 | 273.16 16,389.60 195.95 10,903.65 77.21 5,486.05 482.58 29,596.35
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
61 173.16 10,562.76 79.66 4,500.73 93.50 6,062.14 35,999.27 | 273.16 16,662.76 196.46 11,100.11 76.70 5,562.75 499.38 29,399.89
62 173.16 10,735.92 79.86 4,580.59 93.30 6,155.43 35,919.41 | 273.16 16,935.92 196.97 11,297.08 76.19 5,638.95 516.49 29,202.92
63 173.16 10,909.08 80.07 4,660.66 93.09 6,248.53 35,839.34 | 273.16 17,209.08 197.48 11,494.56 75.68 5,714.63 533.89 29,005.44
64 173.16 11,082.24 80.28 4,740.94 92.88 6,341.41 35,759.06 | 273.16 17,482.24 197.99 11,692.55 75.17 5,789.80 551.61 28,807.45
65 173.16 11,255.40 80.49 4,821.43 92.68 6,434.08 35,678.57 | 273.16 17,755.40 198.50 11,891.05 74.66 5,864.46 569.62 28,608.95
66 173.16 11,428.56 80.69 4,902.12 92.47 6,526.55 35,597.88 | 273.16 18,028.56 199.02 12,090.06 74.14 5,938.61 587.94 28,409.94
67 173.16 11,601.72 80.90 4,983.02 92.26 6,618.81 35,516.98 | 273.16 18,301.72 199.53 12,289.60 73.63 6,012.24 606.57 28,210.40
68 173.16 11,774.88 81.11 5,064.14 92.05 6,710.86 35,435.86 | 273.16 18,574.88 200.05 12,489.65 73.11 6,085.35 625.51 28,010.35
69 173.16 11,948.04 81.32 5,145.46 91.84 6,802.70 35,354.54 | 273.16 18,848.04 200.57 12,690.21 72.59 6,157.94 644.75 27,809.79
70 173.16 12,121.20 81.53 5,227.00 91.63 6,894.32 35,273.00 | 273.16 19,121.20 201.09 12,891.30 72.07 6,230.02 664.31 27,608.70
71 173.16 12,294.36 81.75 5,308.74 91.42 6,985.74 35,191.26 | 273.16 19,394.36 201.61 13,092.91 71.55 6,301.57 684.17 27,407.09
72 173.16 12,467.52 81.96 5,390.70 91.20 7,076.94 35,109.30 | 273.16 19,667.52 202.13 13,295.04 71.03 6,372.60 704.34 27,204.96
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
73 173.16 12,640.68 82.17 5,472.87 90.99 7,167.93 35,027.13 | 273.16 19,940.68 202.66 13,497.70 70.51 6,443.10 724.83 27,002.30
74 173.16 12,813.84 82.38 5,555.25 90.78 7,258.71 34,944.75 | 273.16 20,213.84 203.18 13,700.88 69.98 6,513.09 745.63 26,799.12
75 173.16 12,987.00 82.60 5,637.85 90.57 7,349.28 34,862.15 | 273.16 20,487.00 203.71 13,904.59 69.45 6,582.54 766.74 26,595.41
76 173.16 13,160.16 82.81 5,720.66 90.35 7,439.63 34,779.34 | 273.16 20,760.16 204.24 14,108.82 68.93 6,651.47 788.16 26,391.18
77 173.16 13,333.32 83.03 5,803.68 90.14 7,529.77 34,696.32 | 273.16 21,033.32 204.76 14,313.59 68.40 6,719.86 809.90 26,186.41
78 173.16 13,506.48 83.24 5,886.93 89.92 7,619.69 34,613.07 | 273.16 21,306.48 205.30 14,518.88 67.87 6,787.73 831.96 25,981.12
79 173.16 13,679.64 83.46 5,970.38 89.71 7,709.39 34,529.62 | 273.16 21,579.64 205.83 14,724.71 67.33 6,855.06 854.33 25,775.29
80 173.16 13,852.80 83.67 6,054.05 89.49 7,798.88 34,445.95 | 273.16 21,852.80 206.36 14,931.07 66.80 6,921.87 877.02 25,568.93
81 173.16 14,025.96 83.89 6,137.94 89.27 7,888.15 34,362.06 | 273.16 22,125.96 206.90 15,137.97 66.27 6,988.13 900.02 25,362.03
82 173.16 14,199.12 84.11 6,222.05 89.05 7,977.21 34,277.95 | 273.16 22,399.12 207.43 15,345.40 65.73 7,053.86 923.35 25,154.60
83 173.16 14,372.28 84.32 6,306.37 88.84 8,066.05 34,193.63 | 273.16 22,672.28 207.97 15,553.37 65.19 7,119.05 946.99 24,946.63
84 173.16 14,545.44 84.54 6,390.92 88.62 8,154.66 34,109.08 | 273.16 22,945.44 208.51 15,761.88 64.65 7,183.71 970.96 24,738.12
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
85 173.16 14,718.60 84.76 6,475.68 88.40 8,243.06 34,024.32 | 273.16 23,218.60 209.05 15,970.92 64.11 7,247.82 995.24 24,529.08
86 173.16 14,891.76 84.98 6,560.66 88.18 8,331.24 33,939.34 | 273.16 23,491.76 209.59 16,180.51 63.57 7,311.39 1,019.85 24,319.49
87 173.16 15,064.92 85.20 6,645.86 87.96 8,419.20 33,854.14 | 273.16 23,764.92 210.13 16,390.65 63.03 7,374.42 1,044.78 24,109.35
88 173.16 15,238.08 85.42 6,731.29 87.74 8,506.94 33,768.71 | 273.16 24,038.08 210.68 16,601.33 62.48 7,436.90 1,070.04 23,898.67
89 173.16 15,411.24 85.64 6,816.93 87.52 8,594.46 33,683.07 | 273.16 24,311.24 211.22 16,812.55 61.94 7,498.84 1,095.62 23,687.45
90 173.16 15,584.40 85.87 6,902.80 87.30 8,681.75 33,597.20 | 273.16 24,584.40 211.77 17,024.32 61.39 7,560.23 1,121.52 23,475.68
91 173.16 15,757.56 86.09 6,988.89 87.07 8,768.83 33,511.11 | 273.16 24,857.56 212.32 17,236.64 60.84 7,621.07 1,147.76 23,263.36
92 173.16 15,930.72 86.31 7,075.20 86.85 8,855.68 33,424.80 | 273.16 25,130.72 212.87 17,449.51 60.29 7,681.36 1,174.31 23,050.49
93 173.16 16,103.88 86.54 7,161.73 86.63 8,942.30 33,338.27 | 273.16 25,403.88 213.42 17,662.94 59.74 7,741.10 1,201.20 22,837.06
94 173.16 16,277.04 86.76 7,248.49 86.40 9,028.70 33,251.51 | 273.16 25,677.04 213.98 17,876.91 59.19 7,800.29 1,228.42 22,623.09
95 173.16 16,450.20 86.98 7,335.48 86.18 9,114.88 33,164.52 | 273.16 25,950.20 214.53 18,091.44 58.63 7,858.92 1,255.96 22,408.56
96 173.16 16,623.36 87.21 7,422.69 85.95 9,200.83 33,077.31 | 273.16 26,223.36 215.09 18,306.53 58.08 7,916.99 1,283.84 22,193.47
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
97 173.16 16,796.52 87.44 7,510.13 85.73 9,286.56 32,989.87 | 273.16 26,496.52 215.64 18,522.17 57.52 7,974.51 1,312.05 21,977.83
98 173.16 16,969.68 87.66 7,597.79 85.50 9,372.06 32,902.21 | 273.16 26,769.68 216.20 18,738.37 56.96 8,031.47 1,340.59 21,761.63
99 173.16 17,142.84 87.89 7,685.68 85.27 9,457.33 32,814.32 | 273.16 27,042.84 216.76 18,955.14 56.40 8,087.87 1,369.46 21,544.86
100 173.16 17,316.00 88.12 7,773.80 85.04 9,542.37 32,726.20 | 273.16 27,316.00 217.32 19,172.46 55.84 8,143.71 1,398.66 21,327.54
101 173.16 17,489.16 88.35 7,862.14 84.82 9,627.19 32,637.86 | 273.16 27,589.16 217.89 19,390.35 55.27 8,198.98 1,428.21 21,109.65
102 173.16 17,662.32 88.58 7,950.72 84.59 9,711.77 32,549.28 | 273.16 27,862.32 218.45 19,608.80 54.71 8,253.69 1,458.08 20,891.20
103 173.16 17,835.48 88.80 8,039.52 84.36 9,796.13 32,460.48 | 273.16 28,135.48 219.02 19,827.82 54.14 8,307.83 1,488.30 20,672.18
104 173.16 18,008.64 89.03 8,128.56 84.13 9,880.26 32,371.44 | 273.16 28,408.64 219.59 20,047.41 53.58 8,361.41 1,518.85 20,452.59
105 173.16 18,181.80 89.27 8,217.82 83.90 9,964.15 32,282.18 | 273.16 28,681.80 220.16 20,267.56 53.01 8,414.42 1,549.74 20,232.44
106 173.16 18,354.96 89.50 8,307.32 83.66 10,047.82 32,192.68 | 273.16 28,954.96 220.73 20,488.29 52.44 8,466.85 1,580.97 20,011.71
107 173.16 18,528.12 89.73 8,397.05 83.43 10,131.25 32,102.95 | 273.16 29,228.12 221.30 20,709.59 51.86 8,518.71 1,612.54 19,790.41
108 173.16 18,701.28 89.96 8,487.01 83.20 10,214.45 32,012.99 | 273.16 29,501.28 221.87 20,931.46 51.29 8,570.00 1,644.45 19,568.54
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
109 173.16 18,874.44 90.19 8,577.21 82.97 10,297.42 31,922.79 | 273.16 29,774.44 222.45 21,153.90 50.72 8,620.72 1,676.70 19,346.10
110 173.16 19,047.60 90.43 8,667.63 82.73 10,380.15 31,832.37 | 273.16 30,047.60 223.02 21,376.93 50.14 8,670.86 1,709.29 19,123.07
111 173.16 19,220.76 90.66 8,758.30 82.50 10,462.65 31,741.70 | 273.16 30,320.76 223.60 21,600.53 49.56 8,720.42 1,742.23 18,899.47
112 173.16 19,393.92 90.90 8,849.20 82.26 10,544.91 31,650.80 | 273.16 30,593.92 224.18 21,824.71 48.98 8,769.40 1,775.51 18,675.29
113 173.16 19,567.08 91.13 8,940.33 82.03 10,626.94 31,559.67 | 273.16 30,867.08 224.76 22,049.47 48.40 8,817.80 1,809.14 18,450.53
114 173.16 19,740.24 91.37 9,031.70 81.79 10,708.73 31,468.30 | 273.16 31,140.24 225.34 22,274.81 47.82 8,865.62 1,843.12 18,225.19
115 173.16 19,913.40 91.61 9,123.30 81.56 10,790.29 31,376.70 | 273.16 31,413.40 225.93 22,500.74 47.23 8,912.85 1,877.44 17,999.26
116 173.16 20,086.56 91.84 9,215.15 81.32 10,871.61 31,284.85 | 273.16 31,686.56 226.51 22,727.26 46.65 8,959.50 1,912.11 17,772.74
117 173.16 20,259.72 92.08 9,307.23 81.08 10,952.69 31,192.77 | 273.16 31,959.72 227.10 22,954.36 46.06 9,005.56 1,947.13 17,545.64
118 173.16 20,432.88 92.32 9,399.55 80.84 11,033.53 31,100.45 | 273.16 32,232.88 227.69 23,182.05 45.47 9,051.03 1,982.50 17,317.95
119 173.16 20,606.04 92.56 9,492.11 80.60 11,114.13 31,007.89 | 273.16 32,506.04 228.28 23,410.33 44.88 9,095.92 2,018.22 17,089.67
120 173.16 20,779.20 92.80 9,584.91 80.36 11,194.49 30,915.09 | 273.16 32,779.20 228.87 23,639.20 44.29 9,140.21 2,054.29 16,860.80
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
121 173.16 20,952.36 93.04 9,677.95 80.12 11,274.61 30,822.05 | 273.16 33,052.36 229.46 23,868.66 43.70 9,183.90 2,090.71 16,631.34
122 173.16 21,125.52 93.28 9,771.23 79.88 11,354.50 30,728.77 | 273.16 33,325.52 230.06 24,098.72 43.10 9,227.01 2,127.49 16,401.28
123 173.16 21,298.68 93.52 9,864.75 79.64 11,434.13 30,635.25 | 273.16 33,598.68 230.66 24,329.37 42.51 9,269.51 2,164.62 16,170.63
124 173.16 21,471.84 93.77 9,958.52 79.40 11,513.53 30,541.48 | 273.16 33,871.84 231.25 24,560.63 41.91 9,311.42 2,202.11 15,939.37
125 173.16 21,645.00 94.01 10,052.53 79.15 11,592.68 30,447.47 | 273.16 34,145.00 231.85 24,792.48 41.31 9,352.73 2,239.95 15,707.52
126 173.16 21,818.16 94.25 10,146.78 78.91 11,671.59 30,353.22 | 273.16 34,418.16 232.45 25,024.93 40.71 9,393.44 2,278.15 15,475.07
127 173.16 21,991.32 94.50 10,241.28 78.67 11,750.26 30,258.72 | 273.16 34,691.32 233.06 25,257.99 40.11 9,433.55 2,316.71 15,242.01
128 173.16 22,164.48 94.74 10,336.02 78.42 11,828.68 30,163.98 | 273.16 34,964.48 233.66 25,491.65 39.50 9,473.05 2,355.63 15,008.35
129 173.16 22,337.64 94.99 10,431.00 78.17 11,906.85 30,069.00 | 273.16 35,237.64 234.27 25,725.91 38.90 9,511.95 2,394.91 14,774.09
130 173.16 22,510.80 95.23 10,526.24 77.93 11,984.78 29,973.76 | 273.16 35,510.80 234.87 25,960.78 38.29 9,550.24 2,434.55 14,539.22
131 173.16 22,683.96 95.48 10,621.72 77.68 12,062.46 29,878.28 | 273.16 35,783.96 235.48 26,196.27 37.68 9,587.92 2,474.55 14,303.73
132 173.16 22,857.12 95.73 10,717.44 77.43 12,139.90 29,782.56 | 273.16 36,057.12 236.09 26,432.36 37.07 9,624.99 2,514.91 14,067.64
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
133 173.16 23,030.28 95.98 10,813.42 77.19 12,217.09 29,686.58 | 273.16 36,330.28 236.70 26,669.06 36.46 9,661.45 2,555.64 13,830.94
134 173.16 23,203.44 96.22 10,909.64 76.94 12,294.02 29,590.36 | 273.16 36,603.44 237.32 26,906.38 35.85 9,697.29 2,596.73 13,593.62
135 173.16 23,376.60 96.47 11,006.12 76.69 12,370.71 29,493.88 | 273.16 36,876.60 237.93 27,144.31 35.23 9,732.52 2,638.19 13,355.69
136 173.16 23,549.76 96.72 11,102.84 76.44 12,447.15 29,397.16 | 273.16 37,149.76 238.55 27,382.86 34.61 9,767.13 2,680.02 13,117.14
137 173.16 23,722.92 96.97 11,199.81 76.19 12,523.34 29,300.19 | 273.16 37,422.92 239.17 27,622.02 34.00 9,801.13 2,722.21 12,877.98
138 173.16 23,896.08 97.23 11,297.04 75.94 12,599.27 29,202.96 | 273.16 37,696.08 239.79 27,861.81 33.38 9,834.50 2,764.77 12,638.19
139 173.16 24,069.24 97.48 11,394.52 75.68 12,674.96 29,105.48 | 273.16 37,969.24 240.41 28,102.22 32.75 9,867.26 2,807.70 12,397.78
140 173.16 24,242.40 97.73 11,492.25 75.43 12,750.39 29,007.75 | 273.16 38,242.40 241.03 28,343.25 32.13 9,899.39 2,851.00 12,156.75
141 173.16 24,415.56 97.98 11,590.23 75.18 12,825.57 28,909.77 | 273.16 38,515.56 241.66 28,584.90 31.51 9,930.90 2,894.67 11,915.10
142 173.16 24,588.72 98.24 11,688.47 74.92 12,900.49 28,811.53 | 273.16 38,788.72 242.28 28,827.18 30.88 9,961.78 2,938.72 11,672.82
143 173.16 24,761.88 98.49 11,786.96 74.67 12,975.16 28,713.04 | 273.16 39,061.88 242.91 29,070.09 30.25 9,992.03 2,983.14 11,429.91
144 173.16 24,935.04 98.75 11,885.71 74.41 13,049.58 28,614.29 | 273.16 39,335.04 243.54 29,313.63 29.62 10,021.65 3,027.93 11,186.37
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
145 173.16 25,108.20 99.00 11,984.71 74.16 13,123.74 28,515.29 | 273.16 39,608.20 244.17 29,557.80 28.99 10,050.64 3,073.09 10,942.20
146 173.16 25,281.36 99.26 12,083.97 73.90 13,197.64 28,416.03 | 273.16 39,881.36 244.80 29,802.61 28.36 10,079.00 3,118.64 10,697.39
147 173.16 25,454.52 99.52 12,183.49 73.64 13,271.28 28,316.51 | 273.16 40,154.52 245.44 30,048.04 27.72 10,106.72 3,164.56 10,451.96
148 173.16 25,627.68 99.77 12,283.26 73.39 13,344.67 28,216.74 | 273.16 40,427.68 246.07 30,294.12 27.09 10,133.81 3,210.86 10,205.88
149 173.16 25,800.84 100.03 12,383.29 73.13 13,417.80 28,116.71 | 273.16 40,700.84 246.71 30,540.83 26.45 10,160.26 3,257.54 9,959.17
150 173.16 25,974.00 100.29 12,483.59 72.87 13,490.67 28,016.41 | 273.16 40,974.00 247.35 30,788.18 25.81 10,186.07 3,304.59 9,711.82
151 173.16 26,147.16 100.55 12,584.14 72.61 13,563.28 27,915.86 | 273.16 41,247.16 247.99 31,036.17 25.17 10,211.24 3,352.03 9,463.83
152 173.16 26,320.32 100.81 12,684.95 72.35 13,635.63 27,815.05 | 273.16 41,520.32 248.63 31,284.81 24.53 10,235.77 3,399.86 9,215.19
153 173.16 26,493.48 101.07 12,786.03 72.09 13,707.71 27,713.97 | 273.16 41,793.48 249.28 31,534.09 23.88 10,259.65 3,448.06 8,965.91
154 173.16 26,666.64 101.34 12,887.36 71.83 13,779.54 27,612.64 | 273.16 42,066.64 249.93 31,784.01 23.24 10,282.89 3,496.65 8,715.99
155 173.16 26,839.80 101.60 12,988.96 71.56 13,851.10 27,511.04 | 273.16 42,339.80 250.57 32,034.58 22.59 10,305.48 3,545.62 8,465.42
156 173.16 27,012.96 101.86 13,090.82 71.30 13,922.40 27,409.18 | 273.16 42,612.96 251.22 32,285.81 21.94 10,327.42 3,594.98 8,214.19
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
157 173.16 27,186.12 102.13 13,192.95 71.04 13,993.44 27,307.05 | 273.16 42,886.12 251.87 32,537.68 21.29 10,348.71 3,644.73 7,962.32
158 173.16 27,359.28 102.39 13,295.34 70.77 14,064.21 27,204.66 | 273.16 43,159.28 252.53 32,790.21 20.64 10,369.34 3,694.86 7,709.79
159 173.16 27,532.44 102.66 13,398.00 70.51 14,134.71 27,102.00 | 273.16 43,432.44 253.18 33,043.39 19.98 10,389.32 3,745.39 7,456.61
160 173.16 27,705.60 102.92 13,500.92 70.24 14,204.95 26,999.08 | 273.16 43,705.60 253.84 33,297.22 19.33 10,408.65 3,796.30 7,202.78
161 173.16 27,878.76 103.19 13,604.11 69.97 14,274.92 26,895.89 | 273.16 43,978.76 254.49 33,551.72 18.67 10,427.32 3,847.61 6,948.28
162 173.16 28,051.92 103.46 13,707.56 69.71 14,344.63 26,792.44 | 273.16 44,251.92 255.15 33,806.87 18.01 10,445.32 3,899.31 6,693.13
163 173.16 28,225.08 103.72 13,811.29 69.44 14,414.07 26,688.71 | 273.16 44,525.08 255.82 34,062.69 17.35 10,462.67 3,951.40 6,437.31
164 173.16 28,398.24 103.99 13,915.28 69.17 14,483.23 26,584.72 | 273.16 44,798.24 256.48 34,319.16 16.68 10,479.35 4,003.88 6,180.84
165 173.16 28,571.40 104.26 14,019.55 68.90 14,552.13 26,480.45 | 273.16 45,071.40 257.14 34,576.31 16.02 10,495.37 4,056.76 5,923.69
166 173.16 28,744.56 104.53 14,124.08 68.63 14,620.76 26,375.92 | 273.16 45,344.56 257.81 34,834.12 15.35 10,510.72 4,110.04 5,665.88
167 173.16 28,917.72 104.80 14,228.88 68.36 14,689.12 26,271.12 | 273.16 45,617.72 258.48 35,092.59 14.68 10,525.41 4,163.71 5,407.41
168 173.16 29,090.88 105.08 14,333.96 68.09 14,757.21 26,166.04 | 273.16 45,890.88 259.15 35,351.74 14.01 10,539.42 4,217.78 5,148.26
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
169 173.16 29,264.04 105.35 14,439.31 67.81 14,825.02 26,060.69 | 273.16 46,164.04 259.82 35,611.56 13.34 10,552.76 4,272.25 4,888.44
170 173.16 29,437.20 105.62 14,544.93 67.54 14,892.56 25,955.07 | 273.16 46,437.20 260.49 35,872.05 12.67 10,565.43 4,327.13 4,627.95
171 173.16 29,610.36 105.89 14,650.82 67.27 14,959.83 25,849.18 | 273.16 46,710.36 261.17 36,133.22 11.99 10,577.43 4,382.40 4,366.78
172 173.16 29,783.52 106.17 14,756.99 66.99 15,026.82 25,743.01 | 273.16 46,983.52 261.84 36,395.07 11.32 10,588.75 4,438.07 4,104.93
173 173.16 29,956.68 106.44 14,863.44 66.72 15,093.54 25,636.56 | 273.16 47,256.68 262.52 36,657.59 10.64 10,599.38 4,494.15 3,842.41
174 173.16 30,129.84 106.72 14,970.16 66.44 15,159.98 25,529.84 | 273.16 47,529.84 263.20 36,920.79 9.96 10,609.34 4,550.64 3,579.21
175 173.16 30,303.00 107.00 15,077.15 66.16 15,226.14 25,422.85 | 273.16 47,803.00 263.89 37,184.68 9.28 10,618.62 4,607.52 3,315.32
176 173.16 30,476.16 107.27 15,184.43 65.89 15,292.03 25,315.57 | 273.16 48,076.16 264.57 37,449.25 8.59 10,627.21 4,664.82 3,050.75
177 173.16 30,649.32 107.55 15,291.98 65.61 15,357.64 25,208.02 | 273.16 48,349.32 265.26 37,714.50 7.91 10,635.12 4,722.52 2,785.50
178 173.16 30,822.48 107.83 15,399.81 65.33 15,422.97 25,100.19 | 273.16 48,622.48 265.94 37,980.45 7.22 10,642.34 4,780.63 2,519.55
179 173.16 30,995.64 108.11 15,507.92 65.05 15,488.02 24,992.08 | 273.16 48,895.64 266.63 38,247.08 6.53 10,648.87 4,839.16 2,252.92
180 173.16 31,168.80 108.39 15,616.31 64.77 15,552.79 24,883.69 | 273.16 49,168.80 267.32 38,514.40 5.84 10,654.70 4,898.09 1,985.60
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
181 173.16 31,341.96 108.67 15,724.98 64.49 15,617.28 24,775.02 | 273.16 49,441.96 268.02 38,782.42 5.15 10,659.85 4,957.43 1,717.58
182 173.16 31,515.12 108.95 15,833.94 64.21 15,681.49 24,666.06 | 273.16 49,715.12 268.71 39,051.13 4.45 10,664.30 5,017.19 1,448.87
183 173.16 31,688.28 109.24 15,943.17 63.93 15,745.42 24,556.83 | 273.16 49,988.28 269.41 39,320.53 3.75 10,668.06 5,077.36 1,179.47
184 173.16 31,861.44 109.52 16,052.69 63.64 15,809.06 24,447.31 | 273.16 50,261.44 270.10 39,590.64 3.06 10,671.11 5,137.95 909.36
185 173.16 32,034.60 109.80 16,162.49 63.36 15,872.42 24,337.51 | 273.16 50,534.60 270.80 39,861.44 2.36 10,673.47 5,198.95 638.56
186 173.16 32,207.76 110.09 16,272.58 63.07 15,935.50 24,227.42 | 273.16 50,807.76 271.51 40,132.95 1.65 10,675.13 5,260.37 367.05
187 173.16 32,380.92 110.37 16,382.95 62.79 15,998.28 24,117.05 | 273.16 51,080.92 272.21 40,405.16 0.95 10,676.08 5,322.21 94.84
188 173.16 32,554.08 110.66 16,493.61 62.50 16,060.79 24,006.39 | 95.09 51,176.01 94.84 40,678.08 0.25 10,676.32 5,384.47 0.00

Loan Paid off in Year 16.

Total Interest Based on 30 Year Loan with No Extra Payment $21,838.21.

Total Interest Saved with Pre-Payment is $11,161.89