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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
1 232.50 232.50 43.50 43.50 189.00 189.00 40,456.50 | 332.50 332.50 143.50 143.50 189.00 189.00 0.00 40,356.50
2 232.50 465.00 43.70 87.21 188.80 377.80 40,412.79 | 332.50 665.00 144.17 287.67 188.33 377.33 0.47 40,212.33
3 232.50 697.50 43.91 131.12 188.59 566.39 40,368.88 | 332.50 997.50 144.84 432.52 187.66 564.99 1.40 40,067.48
4 232.50 930.00 44.11 175.23 188.39 754.78 40,324.77 | 332.50 1,330.00 145.52 578.04 186.98 751.97 2.81 39,921.96
5 232.50 1,162.50 44.32 219.55 188.18 942.96 40,280.45 | 332.50 1,662.50 146.20 724.24 186.30 938.27 4.69 39,775.76
6 232.50 1,395.00 44.53 264.08 187.98 1,130.94 40,235.92 | 332.50 1,995.00 146.88 871.12 185.62 1,123.89 7.04 39,628.88
7 232.50 1,627.50 44.73 308.81 187.77 1,318.70 40,191.19 | 332.50 2,327.50 147.57 1,018.69 184.93 1,308.83 9.88 39,481.31
8 232.50 1,860.00 44.94 353.75 187.56 1,506.26 40,146.25 | 332.50 2,660.00 148.26 1,166.94 184.25 1,493.07 13.19 39,333.06
9 232.50 2,092.50 45.15 398.91 187.35 1,693.61 40,101.09 | 332.50 2,992.50 148.95 1,315.89 183.55 1,676.63 16.98 39,184.11
10 232.50 2,325.00 45.36 444.27 187.14 1,880.75 40,055.73 | 332.50 3,325.00 149.64 1,465.53 182.86 1,859.49 21.26 39,034.47
11 232.50 2,557.50 45.58 489.85 186.93 2,067.68 40,010.15 | 332.50 3,657.50 150.34 1,615.87 182.16 2,041.65 26.03 38,884.13
12 232.50 2,790.00 45.79 535.63 186.71 2,254.39 39,964.37 | 332.50 3,990.00 151.04 1,766.92 181.46 2,223.11 31.28 38,733.08
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
13 232.50 3,022.50 46.00 581.63 186.50 2,440.89 39,918.37 | 332.50 4,322.50 151.75 1,918.66 180.75 2,403.86 37.03 38,581.34
14 232.50 3,255.00 46.22 627.85 186.29 2,627.18 39,872.15 | 332.50 4,655.00 152.46 2,071.12 180.05 2,583.91 43.27 38,428.88
15 232.50 3,487.50 46.43 674.28 186.07 2,813.25 39,825.72 | 332.50 4,987.50 153.17 2,224.29 179.33 2,763.24 50.00 38,275.71
16 232.50 3,720.00 46.65 720.93 185.85 2,999.10 39,779.07 | 332.50 5,320.00 153.88 2,378.17 178.62 2,941.86 57.24 38,121.83
17 232.50 3,952.50 46.87 767.80 185.64 3,184.74 39,732.20 | 332.50 5,652.50 154.60 2,532.77 177.90 3,119.76 64.97 37,967.23
18 232.50 4,185.00 47.09 814.88 185.42 3,370.15 39,685.12 | 332.50 5,985.00 155.32 2,688.09 177.18 3,296.94 73.21 37,811.91
19 232.50 4,417.50 47.30 862.19 185.20 3,555.35 39,637.81 | 332.50 6,317.50 156.05 2,844.14 176.46 3,473.40 81.95 37,655.86
20 232.50 4,650.00 47.53 909.71 184.98 3,740.33 39,590.29 | 332.50 6,650.00 156.77 3,000.91 175.73 3,649.13 91.20 37,499.09
21 232.50 4,882.50 47.75 957.46 184.75 3,925.08 39,542.54 | 332.50 6,982.50 157.51 3,158.42 175.00 3,824.12 100.96 37,341.58
22 232.50 5,115.00 47.97 1,005.43 184.53 4,109.61 39,494.57 | 332.50 7,315.00 158.24 3,316.66 174.26 3,998.38 111.23 37,183.34
23 232.50 5,347.50 48.19 1,053.62 184.31 4,293.92 39,446.38 | 332.50 7,647.50 158.98 3,475.64 173.52 4,171.91 122.02 37,024.36
24 232.50 5,580.00 48.42 1,102.04 184.08 4,478.00 39,397.96 | 332.50 7,980.00 159.72 3,635.36 172.78 4,344.69 133.32 36,864.64
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
25 232.50 5,812.50 48.64 1,150.69 183.86 4,661.86 39,349.31 | 332.50 8,312.50 160.47 3,795.83 172.03 4,516.72 145.14 36,704.17
26 232.50 6,045.00 48.87 1,199.56 183.63 4,845.49 39,300.44 | 332.50 8,645.00 161.22 3,957.04 171.29 4,688.01 157.48 36,542.96
27 232.50 6,277.50 49.10 1,248.66 183.40 5,028.89 39,251.34 | 332.50 8,977.50 161.97 4,119.01 170.53 4,858.54 170.35 36,380.99
28 232.50 6,510.00 49.33 1,297.99 183.17 5,212.07 39,202.01 | 332.50 9,310.00 162.72 4,281.74 169.78 5,028.32 183.75 36,218.26
29 232.50 6,742.50 49.56 1,347.55 182.94 5,395.01 39,152.45 | 332.50 9,642.50 163.48 4,445.22 169.02 5,197.34 197.67 36,054.78
30 232.50 6,975.00 49.79 1,397.34 182.71 5,577.72 39,102.66 | 332.50 9,975.00 164.25 4,609.47 168.26 5,365.59 212.13 35,890.53
31 232.50 7,207.50 50.02 1,447.36 182.48 5,760.20 39,052.64 | 332.50 10,307.50 165.01 4,774.48 167.49 5,533.08 227.12 35,725.52
32 232.50 7,440.00 50.26 1,497.62 182.25 5,942.45 39,002.38 | 332.50 10,640.00 165.78 4,940.26 166.72 5,699.80 242.64 35,559.74
33 232.50 7,672.50 50.49 1,548.11 182.01 6,124.46 38,951.89 | 332.50 10,972.50 166.56 5,106.82 165.95 5,865.75 258.71 35,393.18
34 232.50 7,905.00 50.73 1,598.84 181.78 6,306.23 38,901.16 | 332.50 11,305.00 167.33 5,274.15 165.17 6,030.92 275.32 35,225.85
35 232.50 8,137.50 50.96 1,649.80 181.54 6,487.77 38,850.20 | 332.50 11,637.50 168.11 5,442.27 164.39 6,195.30 292.47 35,057.73
36 232.50 8,370.00 51.20 1,701.00 181.30 6,669.07 38,799.00 | 332.50 11,970.00 168.90 5,611.17 163.60 6,358.91 310.17 34,888.83
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
37 232.50 8,602.50 51.44 1,752.44 181.06 6,850.13 38,747.56 | 332.50 12,302.50 169.69 5,780.85 162.81 6,521.72 328.41 34,719.15
38 232.50 8,835.00 51.68 1,804.12 180.82 7,030.96 38,695.88 | 332.50 12,635.00 170.48 5,951.33 162.02 6,683.74 347.21 34,548.67
39 232.50 9,067.50 51.92 1,856.04 180.58 7,211.54 38,643.96 | 332.50 12,967.50 171.27 6,122.61 161.23 6,844.97 366.57 34,377.39
40 232.50 9,300.00 52.16 1,908.20 180.34 7,391.87 38,591.80 | 332.50 13,300.00 172.07 6,294.68 160.43 7,005.40 386.48 34,205.32
41 232.50 9,532.50 52.41 1,960.61 180.10 7,571.97 38,539.39 | 332.50 13,632.50 172.88 6,467.56 159.62 7,165.02 406.95 34,032.44
42 232.50 9,765.00 52.65 2,013.26 179.85 7,751.82 38,486.74 | 332.50 13,965.00 173.68 6,641.24 158.82 7,323.84 427.98 33,858.76
43 232.50 9,997.50 52.90 2,066.16 179.60 7,931.42 38,433.84 | 332.50 14,297.50 174.49 6,815.74 158.01 7,481.85 449.58 33,684.26
44 232.50 10,230.00 53.14 2,119.30 179.36 8,110.78 38,380.70 | 332.50 14,630.00 175.31 6,991.05 157.19 7,639.04 471.74 33,508.95
45 232.50 10,462.50 53.39 2,172.70 179.11 8,289.89 38,327.30 | 332.50 14,962.50 176.13 7,167.17 156.38 7,795.42 494.48 33,332.83
46 232.50 10,695.00 53.64 2,226.34 178.86 8,468.75 38,273.66 | 332.50 15,295.00 176.95 7,344.12 155.55 7,950.97 517.78 33,155.88
47 232.50 10,927.50 53.89 2,280.23 178.61 8,647.36 38,219.77 | 332.50 15,627.50 177.77 7,521.90 154.73 8,105.70 541.67 32,978.10
48 232.50 11,160.00 54.14 2,334.37 178.36 8,825.72 38,165.63 | 332.50 15,960.00 178.60 7,700.50 153.90 8,259.59 566.13 32,799.50
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
49 232.50 11,392.50 54.40 2,388.77 178.11 9,003.83 38,111.23 | 332.50 16,292.50 179.44 7,879.94 153.06 8,412.66 591.17 32,620.06
50 232.50 11,625.00 54.65 2,443.42 177.85 9,181.68 38,056.58 | 332.50 16,625.00 180.28 8,060.21 152.23 8,564.89 616.80 32,439.79
51 232.50 11,857.50 54.90 2,498.32 177.60 9,359.28 38,001.68 | 332.50 16,957.50 181.12 8,241.33 151.39 8,716.27 643.01 32,258.67
52 232.50 12,090.00 55.16 2,553.48 177.34 9,536.62 37,946.52 | 332.50 17,290.00 181.96 8,423.29 150.54 8,866.81 669.81 32,076.71
53 232.50 12,322.50 55.42 2,608.90 177.08 9,713.70 37,891.10 | 332.50 17,622.50 182.81 8,606.10 149.69 9,016.50 697.20 31,893.90
54 232.50 12,555.00 55.68 2,664.58 176.83 9,890.53 37,835.42 | 332.50 17,955.00 183.66 8,789.77 148.84 9,165.34 725.19 31,710.23
55 232.50 12,787.50 55.94 2,720.51 176.57 10,067.09 37,779.49 | 332.50 18,287.50 184.52 8,974.29 147.98 9,313.32 753.77 31,525.71
56 232.50 13,020.00 56.20 2,776.71 176.30 10,243.40 37,723.29 | 332.50 18,620.00 185.38 9,159.67 147.12 9,460.44 782.96 31,340.33
57 232.50 13,252.50 56.46 2,833.17 176.04 10,419.44 37,666.83 | 332.50 18,952.50 186.25 9,345.92 146.25 9,606.70 812.74 31,154.08
58 232.50 13,485.00 56.72 2,889.90 175.78 10,595.22 37,610.10 | 332.50 19,285.00 187.12 9,533.03 145.39 9,752.08 843.14 30,966.97
59 232.50 13,717.50 56.99 2,946.88 175.51 10,770.73 37,553.12 | 332.50 19,617.50 187.99 9,721.02 144.51 9,896.60 874.14 30,778.98
60 232.50 13,950.00 57.25 3,004.14 175.25 10,945.98 37,495.86 | 332.50 19,950.00 188.87 9,909.89 143.64 10,040.23 905.75 30,590.11
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
61 232.50 14,182.50 57.52 3,061.66 174.98 11,120.96 37,438.34 | 332.50 20,282.50 189.75 10,099.64 142.75 10,182.98 937.98 30,400.36
62 232.50 14,415.00 57.79 3,119.45 174.71 11,295.67 37,380.55 | 332.50 20,615.00 190.63 10,290.27 141.87 10,324.85 970.82 30,209.73
63 232.50 14,647.50 58.06 3,177.51 174.44 11,470.12 37,322.49 | 332.50 20,947.50 191.52 10,481.79 140.98 10,465.83 1,004.28 30,018.21
64 232.50 14,880.00 58.33 3,235.84 174.17 11,644.29 37,264.16 | 332.50 21,280.00 192.42 10,674.21 140.08 10,605.92 1,038.37 29,825.79
65 232.50 15,112.50 58.60 3,294.44 173.90 11,818.19 37,205.56 | 332.50 21,612.50 193.31 10,867.53 139.19 10,745.10 1,073.08 29,632.47
66 232.50 15,345.00 58.88 3,353.32 173.63 11,991.81 37,146.68 | 332.50 21,945.00 194.22 11,061.74 138.28 10,883.39 1,108.42 29,438.26
67 232.50 15,577.50 59.15 3,412.47 173.35 12,165.16 37,087.53 | 332.50 22,277.50 195.12 11,256.87 137.38 11,020.77 1,144.40 29,243.13
68 232.50 15,810.00 59.43 3,471.90 173.08 12,338.24 37,028.10 | 332.50 22,610.00 196.03 11,452.90 136.47 11,157.24 1,181.00 29,047.10
69 232.50 16,042.50 59.70 3,531.60 172.80 12,511.04 36,968.40 | 332.50 22,942.50 196.95 11,649.85 135.55 11,292.79 1,218.25 28,850.15
70 232.50 16,275.00 59.98 3,591.58 172.52 12,683.56 36,908.42 | 332.50 23,275.00 197.87 11,847.72 134.63 11,427.42 1,256.13 28,652.28
71 232.50 16,507.50 60.26 3,651.85 172.24 12,855.80 36,848.15 | 332.50 23,607.50 198.79 12,046.51 133.71 11,561.13 1,294.66 28,453.49
72 232.50 16,740.00 60.54 3,712.39 171.96 13,027.75 36,787.61 | 332.50 23,940.00 199.72 12,246.23 132.78 11,693.92 1,333.84 28,253.77
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
73 232.50 16,972.50 60.83 3,773.22 171.68 13,199.43 36,726.78 | 332.50 24,272.50 200.65 12,446.88 131.85 11,825.77 1,373.66 28,053.12
74 232.50 17,205.00 61.11 3,834.33 171.39 13,370.82 36,665.67 | 332.50 24,605.00 201.59 12,648.47 130.91 11,956.68 1,414.14 27,851.53
75 232.50 17,437.50 61.40 3,895.72 171.11 13,541.93 36,604.28 | 332.50 24,937.50 202.53 12,850.99 129.97 12,086.66 1,455.27 27,649.01
76 232.50 17,670.00 61.68 3,957.40 170.82 13,712.75 36,542.60 | 332.50 25,270.00 203.47 13,054.47 129.03 12,215.68 1,497.06 27,445.53
77 232.50 17,902.50 61.97 4,019.37 170.53 13,883.28 36,480.63 | 332.50 25,602.50 204.42 13,258.89 128.08 12,343.76 1,539.52 27,241.11
78 232.50 18,135.00 62.26 4,081.63 170.24 14,053.52 36,418.37 | 332.50 25,935.00 205.38 13,464.27 127.13 12,470.89 1,582.63 27,035.73
79 232.50 18,367.50 62.55 4,144.18 169.95 14,223.48 36,355.82 | 332.50 26,267.50 206.34 13,670.60 126.17 12,597.06 1,626.42 26,829.40
80 232.50 18,600.00 62.84 4,207.02 169.66 14,393.14 36,292.98 | 332.50 26,600.00 207.30 13,877.90 125.20 12,722.26 1,670.88 26,622.10
81 232.50 18,832.50 63.13 4,270.16 169.37 14,562.50 36,229.84 | 332.50 26,932.50 208.27 14,086.17 124.24 12,846.50 1,716.01 26,413.83
82 232.50 19,065.00 63.43 4,333.59 169.07 14,731.58 36,166.41 | 332.50 27,265.00 209.24 14,295.40 123.26 12,969.76 1,761.82 26,204.60
83 232.50 19,297.50 63.73 4,397.31 168.78 14,900.35 36,102.69 | 332.50 27,597.50 210.21 14,505.62 122.29 13,092.05 1,808.30 25,994.38
84 232.50 19,530.00 64.02 4,461.34 168.48 15,068.83 36,038.66 | 332.50 27,930.00 211.19 14,716.81 121.31 13,213.36 1,855.48 25,783.19
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
85 232.50 19,762.50 64.32 4,525.66 168.18 15,237.01 35,974.34 | 332.50 28,262.50 212.18 14,928.99 120.32 13,333.68 1,903.33 25,571.01
86 232.50 19,995.00 64.62 4,590.28 167.88 15,404.89 35,909.72 | 332.50 28,595.00 213.17 15,142.16 119.33 13,453.01 1,951.88 25,357.84
87 232.50 20,227.50 64.92 4,655.20 167.58 15,572.47 35,844.80 | 332.50 28,927.50 214.17 15,356.33 118.34 13,571.34 2,001.13 25,143.67
88 232.50 20,460.00 65.23 4,720.43 167.28 15,739.75 35,779.57 | 332.50 29,260.00 215.16 15,571.49 117.34 13,688.68 2,051.06 24,928.51
89 232.50 20,692.50 65.53 4,785.96 166.97 15,906.72 35,714.04 | 332.50 29,592.50 216.17 15,787.66 116.33 13,805.01 2,101.70 24,712.34
90 232.50 20,925.00 65.84 4,851.80 166.67 16,073.38 35,648.20 | 332.50 29,925.00 217.18 16,004.84 115.32 13,920.34 2,153.04 24,495.16
91 232.50 21,157.50 66.14 4,917.94 166.36 16,239.74 35,582.06 | 332.50 30,257.50 218.19 16,223.03 114.31 14,034.65 2,205.09 24,276.97
92 232.50 21,390.00 66.45 4,984.39 166.05 16,405.79 35,515.61 | 332.50 30,590.00 219.21 16,442.24 113.29 14,147.94 2,257.85 24,057.76
93 232.50 21,622.50 66.76 5,051.15 165.74 16,571.53 35,448.85 | 332.50 30,922.50 220.23 16,662.47 112.27 14,260.21 2,311.32 23,837.53
94 232.50 21,855.00 67.07 5,118.23 165.43 16,736.96 35,381.77 | 332.50 31,255.00 221.26 16,883.73 111.24 14,371.45 2,365.50 23,616.27
95 232.50 22,087.50 67.39 5,185.62 165.11 16,902.07 35,314.38 | 332.50 31,587.50 222.29 17,106.03 110.21 14,481.66 2,420.41 23,393.97
96 232.50 22,320.00 67.70 5,253.32 164.80 17,066.87 35,246.68 | 332.50 31,920.00 223.33 17,329.36 109.17 14,590.83 2,476.04 23,170.64
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
97 232.50 22,552.50 68.02 5,321.33 164.48 17,231.36 35,178.67 | 332.50 32,252.50 224.37 17,553.73 108.13 14,698.96 2,532.39 22,946.27
98 232.50 22,785.00 68.33 5,389.67 164.17 17,395.53 35,110.33 | 332.50 32,585.00 225.42 17,779.15 107.08 14,806.05 2,589.48 22,720.85
99 232.50 23,017.50 68.65 5,458.32 163.85 17,559.37 35,041.68 | 332.50 32,917.50 226.47 18,005.62 106.03 14,912.08 2,647.30 22,494.38
100 232.50 23,250.00 68.97 5,527.30 163.53 17,722.90 34,972.70 | 332.50 33,250.00 227.53 18,233.15 104.97 15,017.05 2,705.85 22,266.85
101 232.50 23,482.50 69.30 5,596.59 163.21 17,886.11 34,903.41 | 332.50 33,582.50 228.59 18,461.74 103.91 15,120.96 2,765.14 22,038.26
102 232.50 23,715.00 69.62 5,666.21 162.88 18,048.99 34,833.79 | 332.50 33,915.00 229.66 18,691.39 102.85 15,223.81 2,825.18 21,808.61
103 232.50 23,947.50 69.94 5,736.16 162.56 18,211.55 34,763.84 | 332.50 34,247.50 230.73 18,922.12 101.77 15,325.58 2,885.97 21,577.88
104 232.50 24,180.00 70.27 5,806.43 162.23 18,373.78 34,693.57 | 332.50 34,580.00 231.81 19,153.93 100.70 15,426.28 2,947.50 21,346.07
105 232.50 24,412.50 70.60 5,877.03 161.90 18,535.68 34,622.97 | 332.50 34,912.50 232.89 19,386.81 99.62 15,525.89 3,009.79 21,113.19
106 232.50 24,645.00 70.93 5,947.95 161.57 18,697.26 34,552.05 | 332.50 35,245.00 233.97 19,620.79 98.53 15,624.42 3,072.83 20,879.21
107 232.50 24,877.50 71.26 6,019.21 161.24 18,858.50 34,480.79 | 332.50 35,577.50 235.07 19,855.85 97.44 15,721.86 3,136.64 20,644.15
108 232.50 25,110.00 71.59 6,090.81 160.91 19,019.41 34,409.19 | 332.50 35,910.00 236.16 20,092.02 96.34 15,818.20 3,201.21 20,407.98
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
109 232.50 25,342.50 71.93 6,162.73 160.58 19,179.99 34,337.27 | 332.50 36,242.50 237.26 20,329.28 95.24 15,913.44 3,266.55 20,170.72
110 232.50 25,575.00 72.26 6,234.99 160.24 19,340.23 34,265.01 | 332.50 36,575.00 238.37 20,567.65 94.13 16,007.57 3,332.66 19,932.35
111 232.50 25,807.50 72.60 6,307.59 159.90 19,500.13 34,192.41 | 332.50 36,907.50 239.48 20,807.14 93.02 16,100.58 3,399.55 19,692.86
112 232.50 26,040.00 72.94 6,380.53 159.56 19,659.69 34,119.47 | 332.50 37,240.00 240.60 21,047.74 91.90 16,192.48 3,467.21 19,452.26
113 232.50 26,272.50 73.28 6,453.81 159.22 19,818.92 34,046.19 | 332.50 37,572.50 241.72 21,289.46 90.78 16,283.26 3,535.66 19,210.54
114 232.50 26,505.00 73.62 6,527.43 158.88 19,977.80 33,972.57 | 332.50 37,905.00 242.85 21,532.32 89.65 16,372.91 3,604.89 18,967.68
115 232.50 26,737.50 73.96 6,601.39 158.54 20,136.34 33,898.61 | 332.50 38,237.50 243.99 21,776.30 88.52 16,461.43 3,674.91 18,723.70
116 232.50 26,970.00 74.31 6,675.70 158.19 20,294.53 33,824.30 | 332.50 38,570.00 245.12 22,021.43 87.38 16,548.80 3,745.73 18,478.57
117 232.50 27,202.50 74.66 6,750.35 157.85 20,452.38 33,749.65 | 332.50 38,902.50 246.27 22,267.70 86.23 16,635.04 3,817.34 18,232.30
118 232.50 27,435.00 75.00 6,825.36 157.50 20,609.88 33,674.64 | 332.50 39,235.00 247.42 22,515.11 85.08 16,720.12 3,889.76 17,984.89
119 232.50 27,667.50 75.35 6,900.71 157.15 20,767.03 33,599.29 | 332.50 39,567.50 248.57 22,763.69 83.93 16,804.05 3,962.98 17,736.31
120 232.50 27,900.00 75.71 6,976.42 156.80 20,923.82 33,523.58 | 332.50 39,900.00 249.73 23,013.42 82.77 16,886.82 4,037.00 17,486.58
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
121 232.50 28,132.50 76.06 7,052.47 156.44 21,080.27 33,447.53 | 332.50 40,232.50 250.90 23,264.32 81.60 16,968.42 4,111.84 17,235.68
122 232.50 28,365.00 76.41 7,128.89 156.09 21,236.35 33,371.11 | 332.50 40,565.00 252.07 23,516.39 80.43 17,048.86 4,187.50 16,983.61
123 232.50 28,597.50 76.77 7,205.66 155.73 21,392.09 33,294.34 | 332.50 40,897.50 253.25 23,769.63 79.26 17,128.11 4,263.97 16,730.37
124 232.50 28,830.00 77.13 7,282.79 155.37 21,547.46 33,217.21 | 332.50 41,230.00 254.43 24,024.06 78.08 17,206.19 4,341.27 16,475.94
125 232.50 29,062.50 77.49 7,360.27 155.01 21,702.47 33,139.73 | 332.50 41,562.50 255.61 24,279.67 76.89 17,283.08 4,419.40 16,220.33
126 232.50 29,295.00 77.85 7,438.12 154.65 21,857.13 33,061.88 | 332.50 41,895.00 256.81 24,536.48 75.69 17,358.77 4,498.36 15,963.52
127 232.50 29,527.50 78.21 7,516.34 154.29 22,011.41 32,983.66 | 332.50 42,227.50 258.01 24,794.49 74.50 17,433.27 4,578.15 15,705.51
128 232.50 29,760.00 78.58 7,594.92 153.92 22,165.34 32,905.08 | 332.50 42,560.00 259.21 25,053.70 73.29 17,506.56 4,658.78 15,446.30
129 232.50 29,992.50 78.94 7,673.86 153.56 22,318.90 32,826.14 | 332.50 42,892.50 260.42 25,314.11 72.08 17,578.64 4,740.25 15,185.89
130 232.50 30,225.00 79.31 7,753.17 153.19 22,472.08 32,746.83 | 332.50 43,225.00 261.63 25,575.75 70.87 17,649.51 4,822.57 14,924.25
131 232.50 30,457.50 79.68 7,832.86 152.82 22,624.90 32,667.14 | 332.50 43,557.50 262.86 25,838.60 69.65 17,719.16 4,905.75 14,661.40
132 232.50 30,690.00 80.06 7,912.91 152.45 22,777.35 32,587.09 | 332.50 43,890.00 264.08 26,102.69 68.42 17,787.58 4,989.77 14,397.31
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
133 232.50 30,922.50 80.43 7,993.34 152.07 22,929.42 32,506.66 | 332.50 44,222.50 265.31 26,368.00 67.19 17,854.76 5,074.66 14,132.00
134 232.50 31,155.00 80.80 8,074.15 151.70 23,081.12 32,425.85 | 332.50 44,555.00 266.55 26,634.55 65.95 17,920.71 5,160.41 13,865.45
135 232.50 31,387.50 81.18 8,155.33 151.32 23,232.44 32,344.67 | 332.50 44,887.50 267.80 26,902.35 64.71 17,985.42 5,247.02 13,597.65
136 232.50 31,620.00 81.56 8,236.89 150.94 23,383.38 32,263.11 | 332.50 45,220.00 269.05 27,171.40 63.46 18,048.87 5,334.51 13,328.60
137 232.50 31,852.50 81.94 8,318.83 150.56 23,533.94 32,181.17 | 332.50 45,552.50 270.30 27,441.70 62.20 18,111.07 5,422.87 13,058.30
138 232.50 32,085.00 82.32 8,401.15 150.18 23,684.12 32,098.85 | 332.50 45,885.00 271.56 27,713.26 60.94 18,172.01 5,512.11 12,786.74
139 232.50 32,317.50 82.71 8,483.86 149.79 23,833.92 32,016.14 | 332.50 46,217.50 272.83 27,986.09 59.67 18,231.68 5,602.23 12,513.91
140 232.50 32,550.00 83.09 8,566.95 149.41 23,983.33 31,933.05 | 332.50 46,550.00 274.10 28,260.20 58.40 18,290.08 5,693.24 12,239.80
141 232.50 32,782.50 83.48 8,650.43 149.02 24,132.35 31,849.57 | 332.50 46,882.50 275.38 28,535.58 57.12 18,347.20 5,785.15 11,964.42
142 232.50 33,015.00 83.87 8,734.30 148.63 24,280.98 31,765.70 | 332.50 47,215.00 276.67 28,812.25 55.83 18,403.04 5,877.94 11,687.75
143 232.50 33,247.50 84.26 8,818.57 148.24 24,429.22 31,681.43 | 332.50 47,547.50 277.96 29,090.21 54.54 18,457.58 5,971.64 11,409.79
144 232.50 33,480.00 84.66 8,903.22 147.85 24,577.06 31,596.78 | 332.50 47,880.00 279.26 29,369.46 53.25 18,510.82 6,066.24 11,130.54
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
145 232.50 33,712.50 85.05 8,988.27 147.45 24,724.52 31,511.73 | 332.50 48,212.50 280.56 29,650.02 51.94 18,562.77 6,161.75 10,849.98
146 232.50 33,945.00 85.45 9,073.72 147.05 24,871.57 31,426.28 | 332.50 48,545.00 281.87 29,931.89 50.63 18,613.40 6,258.17 10,568.11
147 232.50 34,177.50 85.85 9,159.57 146.66 25,018.23 31,340.43 | 332.50 48,877.50 283.18 30,215.07 49.32 18,662.72 6,355.51 10,284.93
148 232.50 34,410.00 86.25 9,245.81 146.26 25,164.48 31,254.19 | 332.50 49,210.00 284.51 30,499.58 48.00 18,710.71 6,453.77 10,000.42
149 232.50 34,642.50 86.65 9,332.46 145.85 25,310.34 31,167.54 | 332.50 49,542.50 285.83 30,785.41 46.67 18,757.38 6,552.95 9,714.59
150 232.50 34,875.00 87.05 9,419.51 145.45 25,455.78 31,080.49 | 332.50 49,875.00 287.17 31,072.58 45.33 18,802.72 6,653.07 9,427.42
151 232.50 35,107.50 87.46 9,506.97 145.04 25,600.83 30,993.03 | 332.50 50,207.50 288.51 31,361.09 43.99 18,846.71 6,754.11 9,138.91
152 232.50 35,340.00 87.87 9,594.84 144.63 25,745.46 30,905.16 | 332.50 50,540.00 289.85 31,650.94 42.65 18,889.36 6,856.10 8,849.06
153 232.50 35,572.50 88.28 9,683.12 144.22 25,889.68 30,816.88 | 332.50 50,872.50 291.21 31,942.15 41.30 18,930.66 6,959.03 8,557.85
154 232.50 35,805.00 88.69 9,771.81 143.81 26,033.50 30,728.19 | 332.50 51,205.00 292.57 32,234.71 39.94 18,970.59 7,062.90 8,265.29
155 232.50 36,037.50 89.10 9,860.91 143.40 26,176.89 30,639.09 | 332.50 51,537.50 293.93 32,528.64 38.57 19,009.16 7,167.73 7,971.36
156 232.50 36,270.00 89.52 9,950.43 142.98 26,319.88 30,549.57 | 332.50 51,870.00 295.30 32,823.95 37.20 19,046.36 7,273.51 7,676.05
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
157 232.50 36,502.50 89.94 10,040.37 142.56 26,462.44 30,459.63 | 332.50 52,202.50 296.68 33,120.63 35.82 19,082.18 7,380.26 7,379.37
158 232.50 36,735.00 90.36 10,130.73 142.14 26,604.59 30,369.27 | 332.50 52,535.00 298.06 33,418.69 34.44 19,116.62 7,487.96 7,081.31
159 232.50 36,967.50 90.78 10,221.51 141.72 26,746.31 30,278.49 | 332.50 52,867.50 299.46 33,718.15 33.05 19,149.67 7,596.64 6,781.85
160 232.50 37,200.00 91.20 10,312.71 141.30 26,887.61 30,187.29 | 332.50 53,200.00 300.85 34,019.00 31.65 19,181.32 7,706.29 6,481.00
161 232.50 37,432.50 91.63 10,404.34 140.87 27,028.48 30,095.66 | 332.50 53,532.50 302.26 34,321.26 30.24 19,211.56 7,816.92 6,178.74
162 232.50 37,665.00 92.06 10,496.39 140.45 27,168.93 30,003.61 | 332.50 53,865.00 303.67 34,624.93 28.83 19,240.40 7,928.53 5,875.07
163 232.50 37,897.50 92.49 10,588.88 140.02 27,308.95 29,911.12 | 332.50 54,197.50 305.08 34,930.01 27.42 19,267.81 8,041.13 5,569.99
164 232.50 38,130.00 92.92 10,681.79 139.59 27,448.53 29,818.21 | 332.50 54,530.00 306.51 35,236.52 25.99 19,293.81 8,154.73 5,263.48
165 232.50 38,362.50 93.35 10,775.14 139.15 27,587.68 29,724.86 | 332.50 54,862.50 307.94 35,544.46 24.56 19,318.37 8,269.31 4,955.54
166 232.50 38,595.00 93.79 10,868.93 138.72 27,726.40 29,631.07 | 332.50 55,195.00 309.38 35,853.84 23.13 19,341.49 8,384.91 4,646.16
167 232.50 38,827.50 94.22 10,963.15 138.28 27,864.68 29,536.85 | 332.50 55,527.50 310.82 36,164.66 21.68 19,363.18 8,501.50 4,335.34
168 232.50 39,060.00 94.66 11,057.82 137.84 28,002.52 29,442.18 | 332.50 55,860.00 312.27 36,476.93 20.23 19,383.41 8,619.11 4,023.07
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
169 232.50 39,292.50 95.11 11,152.92 137.40 28,139.91 29,347.08 | 332.50 56,192.50 313.73 36,790.65 18.77 19,402.18 8,737.73 3,709.35
170 232.50 39,525.00 95.55 11,248.47 136.95 28,276.87 29,251.53 | 332.50 56,525.00 315.19 37,105.84 17.31 19,419.49 8,857.37 3,394.16
171 232.50 39,757.50 95.99 11,344.47 136.51 28,413.37 29,155.53 | 332.50 56,857.50 316.66 37,422.51 15.84 19,435.33 8,978.04 3,077.49
172 232.50 39,990.00 96.44 11,440.91 136.06 28,549.43 29,059.09 | 332.50 57,190.00 318.14 37,740.65 14.36 19,449.69 9,099.74 2,759.35
173 232.50 40,222.50 96.89 11,537.80 135.61 28,685.04 28,962.20 | 332.50 57,522.50 319.63 38,060.27 12.88 19,462.57 9,222.47 2,439.73
174 232.50 40,455.00 97.35 11,635.15 135.16 28,820.20 28,864.85 | 332.50 57,855.00 321.12 38,381.39 11.39 19,473.96 9,346.24 2,118.61
175 232.50 40,687.50 97.80 11,732.95 134.70 28,954.90 28,767.05 | 332.50 58,187.50 322.62 38,704.00 9.89 19,483.84 9,471.06 1,796.00
176 232.50 40,920.00 98.26 11,831.20 134.25 29,089.15 28,668.80 | 332.50 58,520.00 324.12 39,028.13 8.38 19,492.22 9,596.92 1,471.87
177 232.50 41,152.50 98.71 11,929.92 133.79 29,222.94 28,570.08 | 332.50 58,852.50 325.63 39,353.76 6.87 19,499.09 9,723.84 1,146.24
178 232.50 41,385.00 99.17 12,029.09 133.33 29,356.26 28,470.91 | 332.50 59,185.00 327.15 39,680.91 5.35 19,504.44 9,851.82 819.09
179 232.50 41,617.50 99.64 12,128.73 132.86 29,489.13 28,371.27 | 332.50 59,517.50 328.68 40,009.59 3.82 19,508.26 9,980.86 490.41
180 232.50 41,850.00 100.10 12,228.83 132.40 29,621.53 28,271.17 | 332.50 59,850.00 330.21 40,339.80 2.29 19,510.55 10,110.97 160.20
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
181 232.50 42,082.50 100.57 12,329.40 131.93 29,753.46 28,170.60 | 160.94 60,010.94 160.20 40,671.56 0.75 19,511.30 10,242.16 0.00

Loan Paid off in Year 15.

Total Interest Based on 30 Year Loan with No Extra Payment $43,200.72.

Total Interest Saved with Pre-Payment is $23,689.41