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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: $4,600

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
1 237.67 237.67 44.47 44.47 193.20 193.20 41,355.53 | 337.67 337.67 144.47 144.47 193.20 193.20 0.00 41,255.53
2 237.67 475.34 44.68 89.14 192.99 386.19 41,310.86 | 337.67 675.34 145.14 289.61 192.53 385.73 0.47 41,110.39
3 237.67 713.01 44.88 134.03 192.78 578.98 41,265.97 | 337.67 1,013.01 145.82 435.43 191.85 577.57 1.40 40,964.57
4 237.67 950.68 45.09 179.12 192.57 771.55 41,220.88 | 337.67 1,350.68 146.50 581.93 191.17 768.74 2.81 40,818.07
5 237.67 1,188.35 45.30 224.43 192.36 963.92 41,175.57 | 337.67 1,688.35 147.18 729.12 190.48 959.23 4.69 40,670.88
6 237.67 1,426.02 45.52 269.94 192.15 1,156.07 41,130.06 | 337.67 2,026.02 147.87 876.99 189.80 1,149.02 7.04 40,523.01
7 237.67 1,663.69 45.73 315.67 191.94 1,348.01 41,084.33 | 337.67 2,363.69 148.56 1,025.55 189.11 1,338.13 9.88 40,374.45
8 237.67 1,901.36 45.94 361.61 191.73 1,539.73 41,038.39 | 337.67 2,701.36 149.25 1,174.80 188.41 1,526.55 13.19 40,225.20
9 237.67 2,139.03 46.16 407.77 191.51 1,731.25 40,992.23 | 337.67 3,039.03 149.95 1,324.76 187.72 1,714.26 16.98 40,075.24
10 237.67 2,376.70 46.37 454.14 191.30 1,922.54 40,945.86 | 337.67 3,376.70 150.65 1,475.41 187.02 1,901.28 21.26 39,924.59
11 237.67 2,614.37 46.59 500.73 191.08 2,113.63 40,899.27 | 337.67 3,714.37 151.35 1,626.76 186.31 2,087.60 26.03 39,773.24
12 237.67 2,852.04 46.81 547.54 190.86 2,304.49 40,852.46 | 337.67 4,052.04 152.06 1,778.82 185.61 2,273.20 31.28 39,621.18
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
13 237.67 3,089.71 47.02 594.56 190.64 2,495.13 40,805.44 | 337.67 4,389.71 152.77 1,931.59 184.90 2,458.10 37.03 39,468.41
14 237.67 3,327.38 47.24 641.80 190.43 2,685.56 40,758.20 | 337.67 4,727.38 153.48 2,085.07 184.19 2,642.29 43.27 39,314.93
15 237.67 3,565.05 47.46 689.27 190.20 2,875.76 40,710.73 | 337.67 5,065.05 154.20 2,239.27 183.47 2,825.76 50.00 39,160.73
16 237.67 3,802.72 47.69 736.95 189.98 3,065.75 40,663.05 | 337.67 5,402.72 154.92 2,394.19 182.75 3,008.51 57.24 39,005.81
17 237.67 4,040.39 47.91 784.86 189.76 3,255.51 40,615.14 | 337.67 5,740.39 155.64 2,549.83 182.03 3,190.54 64.97 38,850.17
18 237.67 4,278.06 48.13 832.99 189.54 3,445.05 40,567.01 | 337.67 6,078.06 156.37 2,706.20 181.30 3,371.84 73.21 38,693.80
19 237.67 4,515.73 48.36 881.35 189.31 3,634.36 40,518.65 | 337.67 6,415.73 157.10 2,863.30 180.57 3,552.41 81.95 38,536.70
20 237.67 4,753.40 48.58 929.93 189.09 3,823.44 40,470.07 | 337.67 6,753.40 157.83 3,021.13 179.84 3,732.25 91.20 38,378.87
21 237.67 4,991.07 48.81 978.74 188.86 4,012.31 40,421.26 | 337.67 7,091.07 158.57 3,179.70 179.10 3,911.35 100.96 38,220.30
22 237.67 5,228.74 49.04 1,027.77 188.63 4,200.94 40,372.23 | 337.67 7,428.74 159.31 3,339.00 178.36 4,089.71 111.23 38,061.00
23 237.67 5,466.41 49.26 1,077.04 188.40 4,389.34 40,322.96 | 337.67 7,766.41 160.05 3,499.05 177.62 4,267.33 122.02 37,900.95
24 237.67 5,704.08 49.49 1,126.53 188.17 4,577.52 40,273.47 | 337.67 8,104.08 160.80 3,659.85 176.87 4,444.20 133.32 37,740.15
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
25 237.67 5,941.75 49.73 1,176.26 187.94 4,765.46 40,223.74 | 337.67 8,441.75 161.55 3,821.40 176.12 4,620.32 145.14 37,578.60
26 237.67 6,179.42 49.96 1,226.22 187.71 4,953.17 40,173.78 | 337.67 8,779.42 162.30 3,983.70 175.37 4,795.68 157.48 37,416.30
27 237.67 6,417.09 50.19 1,276.41 187.48 5,140.65 40,123.59 | 337.67 9,117.09 163.06 4,146.76 174.61 4,970.29 170.35 37,253.24
28 237.67 6,654.76 50.43 1,326.83 187.24 5,327.89 40,073.17 | 337.67 9,454.76 163.82 4,310.58 173.85 5,144.14 183.75 37,089.42
29 237.67 6,892.43 50.66 1,377.49 187.01 5,514.90 40,022.51 | 337.67 9,792.43 164.58 4,475.17 173.08 5,317.23 197.67 36,924.83
30 237.67 7,130.10 50.90 1,428.39 186.77 5,701.67 39,971.61 | 337.67 10,130.10 165.35 4,640.52 172.32 5,489.54 212.13 36,759.48
31 237.67 7,367.77 51.13 1,479.53 186.53 5,888.20 39,920.47 | 337.67 10,467.77 166.12 4,806.64 171.54 5,661.09 227.12 36,593.36
32 237.67 7,605.44 51.37 1,530.90 186.30 6,074.50 39,869.10 | 337.67 10,805.44 166.90 4,973.54 170.77 5,831.86 242.64 36,426.46
33 237.67 7,843.11 51.61 1,582.51 186.06 6,260.56 39,817.49 | 337.67 11,143.11 167.68 5,141.22 169.99 6,001.85 258.71 36,258.78
34 237.67 8,080.78 51.85 1,634.37 185.81 6,446.37 39,765.63 | 337.67 11,480.78 168.46 5,309.68 169.21 6,171.05 275.32 36,090.32
35 237.67 8,318.45 52.10 1,686.46 185.57 6,631.94 39,713.54 | 337.67 11,818.45 169.25 5,478.93 168.42 6,339.48 292.47 35,921.07
36 237.67 8,556.12 52.34 1,738.80 185.33 6,817.27 39,661.20 | 337.67 12,156.12 170.04 5,648.97 167.63 6,507.11 310.17 35,751.03
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
37 237.67 8,793.79 52.58 1,791.38 185.09 7,002.36 39,608.62 | 337.67 12,493.79 170.83 5,819.80 166.84 6,673.94 328.41 35,580.20
38 237.67 9,031.46 52.83 1,844.21 184.84 7,187.20 39,555.79 | 337.67 12,831.46 171.63 5,991.42 166.04 6,839.99 347.21 35,408.58
39 237.67 9,269.13 53.08 1,897.29 184.59 7,371.79 39,502.71 | 337.67 13,169.13 172.43 6,163.85 165.24 7,005.23 366.57 35,236.15
40 237.67 9,506.80 53.32 1,950.61 184.35 7,556.14 39,449.39 | 337.67 13,506.80 173.23 6,337.09 164.44 7,169.66 386.48 35,062.91
41 237.67 9,744.47 53.57 2,004.18 184.10 7,740.24 39,395.82 | 337.67 13,844.47 174.04 6,511.13 163.63 7,333.29 406.95 34,888.87
42 237.67 9,982.14 53.82 2,058.00 183.85 7,924.08 39,342.00 | 337.67 14,182.14 174.85 6,685.98 162.81 7,496.10 427.98 34,714.02
43 237.67 10,219.81 54.07 2,112.08 183.60 8,107.68 39,287.92 | 337.67 14,519.81 175.67 6,861.65 162.00 7,658.10 449.58 34,538.35
44 237.67 10,457.48 54.33 2,166.40 183.34 8,291.02 39,233.60 | 337.67 14,857.48 176.49 7,038.14 161.18 7,819.28 471.74 34,361.86
45 237.67 10,695.15 54.58 2,220.98 183.09 8,474.11 39,179.02 | 337.67 15,195.15 177.31 7,215.46 160.36 7,979.64 494.48 34,184.54
46 237.67 10,932.82 54.83 2,275.81 182.84 8,656.95 39,124.19 | 337.67 15,532.82 178.14 7,393.60 159.53 8,139.16 517.78 34,006.40
47 237.67 11,170.49 55.09 2,330.90 182.58 8,839.53 39,069.10 | 337.67 15,870.49 178.97 7,572.57 158.70 8,297.86 541.67 33,827.43
48 237.67 11,408.16 55.35 2,386.25 182.32 9,021.85 39,013.75 | 337.67 16,208.16 179.81 7,752.38 157.86 8,455.72 566.13 33,647.62
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
49 237.67 11,645.83 55.60 2,441.85 182.06 9,203.91 38,958.15 | 337.67 16,545.83 180.65 7,933.02 157.02 8,612.74 591.17 33,466.98
50 237.67 11,883.50 55.86 2,497.72 181.80 9,385.72 38,902.28 | 337.67 16,883.50 181.49 8,114.51 156.18 8,768.92 616.80 33,285.49
51 237.67 12,121.17 56.12 2,553.84 181.54 9,567.26 38,846.16 | 337.67 17,221.17 182.34 8,296.85 155.33 8,924.26 643.01 33,103.15
52 237.67 12,358.84 56.39 2,610.23 181.28 9,748.55 38,789.77 | 337.67 17,558.84 183.19 8,480.04 154.48 9,078.74 669.81 32,919.96
53 237.67 12,596.51 56.65 2,666.88 181.02 9,929.56 38,733.12 | 337.67 17,896.51 184.04 8,664.08 153.63 9,232.36 697.20 32,735.92
54 237.67 12,834.18 56.91 2,723.79 180.75 10,110.32 38,676.21 | 337.67 18,234.18 184.90 8,848.98 152.77 9,385.13 725.19 32,551.02
55 237.67 13,071.85 57.18 2,780.97 180.49 10,290.81 38,619.03 | 337.67 18,571.85 185.76 9,034.74 151.90 9,537.04 753.77 32,365.26
56 237.67 13,309.52 57.45 2,838.42 180.22 10,471.03 38,561.58 | 337.67 18,909.52 186.63 9,221.37 151.04 9,688.07 782.96 32,178.63
57 237.67 13,547.19 57.71 2,896.13 179.95 10,650.98 38,503.87 | 337.67 19,247.19 187.50 9,408.88 150.17 9,838.24 812.74 31,991.12
58 237.67 13,784.86 57.98 2,954.12 179.68 10,830.67 38,445.88 | 337.67 19,584.86 188.38 9,597.25 149.29 9,987.53 843.14 31,802.75
59 237.67 14,022.53 58.25 3,012.37 179.41 11,010.08 38,387.63 | 337.67 19,922.53 189.26 9,786.51 148.41 10,135.95 874.14 31,613.49
60 237.67 14,260.20 58.53 3,070.90 179.14 11,189.22 38,329.10 | 337.67 20,260.20 190.14 9,976.65 147.53 10,283.47 905.75 31,423.35
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
61 237.67 14,497.87 58.80 3,129.70 178.87 11,368.09 38,270.30 | 337.67 20,597.87 191.03 10,167.67 146.64 10,430.12 937.98 31,232.33
62 237.67 14,735.54 59.07 3,188.77 178.59 11,546.69 38,211.23 | 337.67 20,935.54 191.92 10,359.59 145.75 10,575.87 970.82 31,040.41
63 237.67 14,973.21 59.35 3,248.12 178.32 11,725.01 38,151.88 | 337.67 21,273.21 192.81 10,552.40 144.86 10,720.72 1,004.28 30,847.60
64 237.67 15,210.88 59.63 3,307.75 178.04 11,903.05 38,092.25 | 337.67 21,610.88 193.71 10,746.12 143.96 10,864.68 1,038.37 30,653.88
65 237.67 15,448.55 59.90 3,367.65 177.76 12,080.81 38,032.35 | 337.67 21,948.55 194.62 10,940.74 143.05 11,007.73 1,073.08 30,459.26
66 237.67 15,686.22 60.18 3,427.84 177.48 12,258.30 37,972.16 | 337.67 22,286.22 195.53 11,136.26 142.14 11,149.87 1,108.42 30,263.74
67 237.67 15,923.89 60.47 3,488.30 177.20 12,435.50 37,911.70 | 337.67 22,623.89 196.44 11,332.70 141.23 11,291.10 1,144.40 30,067.30
68 237.67 16,161.56 60.75 3,549.05 176.92 12,612.42 37,850.95 | 337.67 22,961.56 197.35 11,530.05 140.31 11,431.42 1,181.00 29,869.95
69 237.67 16,399.23 61.03 3,610.08 176.64 12,789.06 37,789.92 | 337.67 23,299.23 198.28 11,728.33 139.39 11,570.81 1,218.25 29,671.67
70 237.67 16,636.90 61.32 3,671.40 176.35 12,965.41 37,728.60 | 337.67 23,636.90 199.20 11,927.53 138.47 11,709.28 1,256.13 29,472.47
71 237.67 16,874.57 61.60 3,733.00 176.07 13,141.48 37,667.00 | 337.67 23,974.57 200.13 12,127.66 137.54 11,846.82 1,294.66 29,272.34
72 237.67 17,112.24 61.89 3,794.89 175.78 13,317.26 37,605.11 | 337.67 24,312.24 201.06 12,328.72 136.60 11,983.42 1,333.84 29,071.28
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
73 237.67 17,349.91 62.18 3,857.06 175.49 13,492.75 37,542.94 | 337.67 24,649.91 202.00 12,530.73 135.67 12,119.09 1,373.66 28,869.27
74 237.67 17,587.58 62.47 3,919.53 175.20 13,667.95 37,480.47 | 337.67 24,987.58 202.95 12,733.67 134.72 12,253.81 1,414.14 28,666.33
75 237.67 17,825.25 62.76 3,982.29 174.91 13,842.86 37,417.71 | 337.67 25,325.25 203.89 12,937.57 133.78 12,387.59 1,455.27 28,462.43
76 237.67 18,062.92 63.05 4,045.35 174.62 14,017.48 37,354.65 | 337.67 25,662.92 204.84 13,142.41 132.82 12,520.41 1,497.06 28,257.59
77 237.67 18,300.59 63.35 4,108.69 174.32 14,191.80 37,291.31 | 337.67 26,000.59 205.80 13,348.21 131.87 12,652.28 1,539.52 28,051.79
78 237.67 18,538.26 63.64 4,172.34 174.03 14,365.82 37,227.66 | 337.67 26,338.26 206.76 13,554.97 130.91 12,783.19 1,582.63 27,845.03
79 237.67 18,775.93 63.94 4,236.27 173.73 14,539.55 37,163.73 | 337.67 26,675.93 207.73 13,762.69 129.94 12,913.13 1,626.42 27,637.31
80 237.67 19,013.60 64.24 4,300.51 173.43 14,712.98 37,099.49 | 337.67 27,013.60 208.69 13,971.39 128.97 13,042.11 1,670.88 27,428.61
81 237.67 19,251.27 64.54 4,365.05 173.13 14,886.11 37,034.95 | 337.67 27,351.27 209.67 14,181.06 128.00 13,170.11 1,716.01 27,218.94
82 237.67 19,488.94 64.84 4,429.89 172.83 15,058.94 36,970.11 | 337.67 27,688.94 210.65 14,391.70 127.02 13,297.13 1,761.82 27,008.30
83 237.67 19,726.61 65.14 4,495.03 172.53 15,231.47 36,904.97 | 337.67 28,026.61 211.63 14,603.33 126.04 13,423.17 1,808.30 26,796.67
84 237.67 19,964.28 65.45 4,560.48 172.22 15,403.69 36,839.52 | 337.67 28,364.28 212.62 14,815.95 125.05 13,548.22 1,855.48 26,584.05
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
85 237.67 20,201.95 65.75 4,626.23 171.92 15,575.61 36,773.77 | 337.67 28,701.95 213.61 15,029.56 124.06 13,672.28 1,903.33 26,370.44
86 237.67 20,439.62 66.06 4,692.29 171.61 15,747.22 36,707.71 | 337.67 29,039.62 214.61 15,244.17 123.06 13,795.34 1,951.88 26,155.83
87 237.67 20,677.29 66.37 4,758.65 171.30 15,918.53 36,641.35 | 337.67 29,377.29 215.61 15,459.78 122.06 13,917.40 2,001.13 25,940.22
88 237.67 20,914.96 66.68 4,825.33 170.99 16,089.52 36,574.67 | 337.67 29,714.96 216.61 15,676.39 121.05 14,038.45 2,051.06 25,723.61
89 237.67 21,152.63 66.99 4,892.31 170.68 16,260.20 36,507.69 | 337.67 30,052.63 217.63 15,894.02 120.04 14,158.50 2,101.70 25,505.98
90 237.67 21,390.30 67.30 4,959.61 170.37 16,430.57 36,440.39 | 337.67 30,390.30 218.64 16,112.66 119.03 14,277.53 2,153.04 25,287.34
91 237.67 21,627.97 67.61 5,027.23 170.06 16,600.62 36,372.77 | 337.67 30,727.97 219.66 16,332.32 118.01 14,395.53 2,205.09 25,067.68
92 237.67 21,865.64 67.93 5,095.16 169.74 16,770.36 36,304.84 | 337.67 31,065.64 220.69 16,553.00 116.98 14,512.52 2,257.85 24,847.00
93 237.67 22,103.31 68.25 5,163.40 169.42 16,939.79 36,236.60 | 337.67 31,403.31 221.72 16,774.72 115.95 14,628.47 2,311.32 24,625.28
94 237.67 22,340.98 68.56 5,231.97 169.10 17,108.89 36,168.03 | 337.67 31,740.98 222.75 16,997.47 114.92 14,743.39 2,365.50 24,402.53
95 237.67 22,578.65 68.88 5,300.85 168.78 17,277.68 36,099.15 | 337.67 32,078.65 223.79 17,221.26 113.88 14,857.26 2,420.41 24,178.74
96 237.67 22,816.32 69.21 5,370.06 168.46 17,446.14 36,029.94 | 337.67 32,416.32 224.83 17,446.10 112.83 14,970.10 2,476.04 23,953.90
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
97 237.67 23,053.99 69.53 5,439.59 168.14 17,614.28 35,960.41 | 337.67 32,753.99 225.88 17,671.98 111.78 15,081.88 2,532.39 23,728.02
98 237.67 23,291.66 69.85 5,509.44 167.82 17,782.09 35,890.56 | 337.67 33,091.66 226.94 17,898.92 110.73 15,192.61 2,589.48 23,501.08
99 237.67 23,529.33 70.18 5,579.62 167.49 17,949.58 35,820.38 | 337.67 33,429.33 228.00 18,126.91 109.67 15,302.29 2,647.30 23,273.09
100 237.67 23,767.00 70.51 5,650.13 167.16 18,116.74 35,749.87 | 337.67 33,767.00 229.06 18,355.98 108.61 15,410.89 2,705.85 23,044.02
101 237.67 24,004.67 70.84 5,720.96 166.83 18,283.58 35,679.04 | 337.67 34,104.67 230.13 18,586.11 107.54 15,518.43 2,765.14 22,813.89
102 237.67 24,242.34 71.17 5,792.13 166.50 18,450.08 35,607.87 | 337.67 34,442.34 231.20 18,817.31 106.46 15,624.90 2,825.18 22,582.69
103 237.67 24,480.01 71.50 5,863.63 166.17 18,616.25 35,536.37 | 337.67 34,780.01 232.28 19,049.59 105.39 15,730.28 2,885.97 22,350.41
104 237.67 24,717.68 71.83 5,935.46 165.84 18,782.09 35,464.54 | 337.67 35,117.68 233.37 19,282.96 104.30 15,834.59 2,947.50 22,117.04
105 237.67 24,955.35 72.17 6,007.63 165.50 18,947.59 35,392.37 | 337.67 35,455.35 234.46 19,517.42 103.21 15,937.80 3,009.79 21,882.58
106 237.67 25,193.02 72.50 6,080.13 165.16 19,112.75 35,319.87 | 337.67 35,793.02 235.55 19,752.97 102.12 16,039.92 3,072.83 21,647.03
107 237.67 25,430.69 72.84 6,152.97 164.83 19,277.58 35,247.03 | 337.67 36,130.69 236.65 19,989.61 101.02 16,140.94 3,136.64 21,410.39
108 237.67 25,668.36 73.18 6,226.16 164.49 19,442.06 35,173.84 | 337.67 36,468.36 237.75 20,227.37 99.92 16,240.85 3,201.21 21,172.63
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
109 237.67 25,906.03 73.52 6,299.68 164.14 19,606.21 35,100.32 | 337.67 36,806.03 238.86 20,466.23 98.81 16,339.66 3,266.55 20,933.77
110 237.67 26,143.70 73.87 6,373.55 163.80 19,770.01 35,026.45 | 337.67 37,143.70 239.98 20,706.21 97.69 16,437.35 3,332.66 20,693.79
111 237.67 26,381.37 74.21 6,447.76 163.46 19,933.47 34,952.24 | 337.67 37,481.37 241.10 20,947.31 96.57 16,533.92 3,399.55 20,452.69
112 237.67 26,619.04 74.56 6,522.32 163.11 20,096.58 34,877.68 | 337.67 37,819.04 242.22 21,189.53 95.45 16,629.36 3,467.21 20,210.47
113 237.67 26,856.71 74.91 6,597.22 162.76 20,259.34 34,802.78 | 337.67 38,156.71 243.35 21,432.88 94.32 16,723.68 3,535.66 19,967.12
114 237.67 27,094.38 75.26 6,672.48 162.41 20,421.75 34,727.52 | 337.67 38,494.38 244.49 21,677.37 93.18 16,816.86 3,604.89 19,722.63
115 237.67 27,332.05 75.61 6,748.09 162.06 20,583.81 34,651.91 | 337.67 38,832.05 245.63 21,923.00 92.04 16,908.90 3,674.91 19,477.00
116 237.67 27,569.72 75.96 6,824.05 161.71 20,745.52 34,575.95 | 337.67 39,169.72 246.78 22,169.78 90.89 16,999.79 3,745.73 19,230.22
117 237.67 27,807.39 76.31 6,900.36 161.35 20,906.88 34,499.64 | 337.67 39,507.39 247.93 22,417.70 89.74 17,089.53 3,817.34 18,982.30
118 237.67 28,045.06 76.67 6,977.03 161.00 21,067.88 34,422.97 | 337.67 39,845.06 249.08 22,666.79 88.58 17,178.12 3,889.76 18,733.21
119 237.67 28,282.73 77.03 7,054.06 160.64 21,228.52 34,345.94 | 337.67 40,182.73 250.25 22,917.04 87.42 17,265.54 3,962.98 18,482.96
120 237.67 28,520.40 77.39 7,131.45 160.28 21,388.80 34,268.55 | 337.67 40,520.40 251.41 23,168.45 86.25 17,351.79 4,037.00 18,231.55
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
121 237.67 28,758.07 77.75 7,209.20 159.92 21,548.72 34,190.80 | 337.67 40,858.07 252.59 23,421.04 85.08 17,436.87 4,111.84 17,978.96
122 237.67 28,995.74 78.11 7,287.31 159.56 21,708.27 34,112.69 | 337.67 41,195.74 253.77 23,674.81 83.90 17,520.77 4,187.50 17,725.19
123 237.67 29,233.41 78.48 7,365.78 159.19 21,867.47 34,034.22 | 337.67 41,533.41 254.95 23,929.76 82.72 17,603.49 4,263.97 17,470.24
124 237.67 29,471.08 78.84 7,444.63 158.83 22,026.29 33,955.37 | 337.67 41,871.08 256.14 24,185.90 81.53 17,685.02 4,341.27 17,214.10
125 237.67 29,708.75 79.21 7,523.84 158.46 22,184.75 33,876.16 | 337.67 42,208.75 257.34 24,443.23 80.33 17,765.35 4,419.40 16,956.77
126 237.67 29,946.42 79.58 7,603.42 158.09 22,342.84 33,796.58 | 337.67 42,546.42 258.54 24,701.77 79.13 17,844.48 4,498.36 16,698.23
127 237.67 30,184.09 79.95 7,683.37 157.72 22,500.56 33,716.63 | 337.67 42,884.09 259.74 24,961.52 77.93 17,922.41 4,578.15 16,438.48
128 237.67 30,421.76 80.32 7,763.69 157.34 22,657.90 33,636.31 | 337.67 43,221.76 260.96 25,222.47 76.71 17,999.12 4,658.78 16,177.53
129 237.67 30,659.43 80.70 7,844.39 156.97 22,814.87 33,555.61 | 337.67 43,559.43 262.17 25,484.64 75.50 18,074.62 4,740.25 15,915.36
130 237.67 30,897.10 81.08 7,925.47 156.59 22,971.46 33,474.53 | 337.67 43,897.10 263.40 25,748.04 74.27 18,148.89 4,822.57 15,651.96
131 237.67 31,134.77 81.45 8,006.92 156.21 23,127.68 33,393.08 | 337.67 44,234.77 264.63 26,012.67 73.04 18,221.93 4,905.75 15,387.33
132 237.67 31,372.44 81.83 8,088.76 155.83 23,283.51 33,311.24 | 337.67 44,572.44 265.86 26,278.53 71.81 18,293.74 4,989.77 15,121.47
Year 11 Completed - Top of Page, Short Cuts
Month Payment Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Balance   Payment
Plus Extra		 Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Interest
Saved		 Balance
133 237.67 31,610.11 82.22 8,170.97 155.45 23,438.97 33,229.03 | 337.67 44,910.11 267.10 26,545.63 70.57 18,364.31 5,074.66 14,854.37
134 237.67 31,847.78 82.60 8,253.57 155.07 23,594.03 33,146.43 | 337.67 45,247.78 268.35 26,813.98 69.32 18,433.63 5,160.41 14,586.02
135 237.67 32,085.45 82.99 8,336.56 154.68 23,748.72 33,063.44 | 337.67 45,585.45 269.60 27,083.58 68.07 18,501.69 5,247.02 14,316.42
136 237.67 32,323.12 83.37 8,419.93 154.30 23,903.01 32,980.07 | 337.67 45,923.12 270.86 27,354.44 66.81 18,568.50 5,334.51 14,045.56
137 237.67 32,560.79 83.76 8,503.69 153.91 24,056.92 32,896.31 | 337.67 46,260.79 272.12 27,626.56 65.55 18,634.05 5,422.87 13,773.44
138 237.67 32,798.46 84.15 8,587.84 153.52 24,210.44 32,812.16 | 337.67 46,598.46 273.39 27,899.95 64.28 18,698.33 5,512.11 13,500.05
139 237.67 33,036.13 84.55 8,672.39 153.12 24,363.56 32,727.61 | 337.67 46,936.13 274.67 28,174.62 63.00 18,761.33 5,602.23 13,225.38
140 237.67 33,273.80 84.94 8,757.33 152.73 24,516.29 32,642.67 | 337.67 47,273.80 275.95 28,450.57 61.72 18,823.05 5,693.24 12,949.43
141 237.67 33,511.47 85.34 8,842.67 152.33 24,668.62 32,557.33 | 337.67 47,611.47 277.24 28,727.81 60.43 18,883.48 5,785.15 12,672.19
142 237.67 33,749.14 85.73 8,928.40 151.93 24,820.56 32,471.60 | 337.67 47,949.14 278.53 29,006.34 59.14 18,942.61 5,877.94 12,393.66
143 237.67 33,986.81 86.13 9,014.53 151.53 24,972.09 32,385.47 | 337.67 48,286.81 279.83 29,286.17 57.84 19,000.45 5,971.64 12,113.83
144 237.67 34,224.48 86.54 9,101.07 151.13 25,123.22 32,298.93 | 337.67 48,624.48 281.14 29,567.31 56.53 19,056.98 6,066.24 11,832.69
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
145 237.67 34,462.15 86.94 9,188.01 150.73 25,273.95 32,211.99 | 337.67 48,962.15 282.45 29,849.76 55.22 19,112.20 6,161.75 11,550.24
146 237.67 34,699.82 87.35 9,275.36 150.32 25,424.27 32,124.64 | 337.67 49,299.82 283.77 30,133.53 53.90 19,166.10 6,258.17 11,266.47
147 237.67 34,937.49 87.75 9,363.11 149.91 25,574.19 32,036.89 | 337.67 49,637.49 285.09 30,418.62 52.58 19,218.68 6,355.51 10,981.38
148 237.67 35,175.16 88.16 9,451.27 149.51 25,723.69 31,948.73 | 337.67 49,975.16 286.42 30,705.04 51.25 19,269.92 6,453.77 10,694.96
149 237.67 35,412.83 88.57 9,539.85 149.09 25,872.79 31,860.15 | 337.67 50,312.83 287.76 30,992.80 49.91 19,319.83 6,552.95 10,407.20
150 237.67 35,650.50 88.99 9,628.84 148.68 26,021.47 31,771.16 | 337.67 50,650.50 289.10 31,281.90 48.57 19,368.40 6,653.07 10,118.10
151 237.67 35,888.17 89.40 9,718.24 148.27 26,169.73 31,681.76 | 337.67 50,988.17 290.45 31,572.35 47.22 19,415.62 6,754.11 9,827.65
152 237.67 36,125.84 89.82 9,808.06 147.85 26,317.58 31,591.94 | 337.67 51,325.84 291.81 31,864.16 45.86 19,461.48 6,856.10 9,535.84
153 237.67 36,363.51 90.24 9,898.30 147.43 26,465.01 31,501.70 | 337.67 51,663.51 293.17 32,157.33 44.50 19,505.98 6,959.03 9,242.67
154 237.67 36,601.18 90.66 9,988.96 147.01 26,612.02 31,411.04 | 337.67 52,001.18 294.54 32,451.87 43.13 19,549.11 7,062.90 8,948.13
155 237.67 36,838.85 91.08 10,080.04 146.58 26,758.60 31,319.96 | 337.67 52,338.85 295.91 32,747.78 41.76 19,590.87 7,167.73 8,652.22
156 237.67 37,076.52 91.51 10,171.55 146.16 26,904.76 31,228.45 | 337.67 52,676.52 297.29 33,045.07 40.38 19,631.25 7,273.51 8,354.93
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
157 237.67 37,314.19 91.94 10,263.49 145.73 27,050.50 31,136.51 | 337.67 53,014.19 298.68 33,343.75 38.99 19,670.24 7,380.26 8,056.25
158 237.67 37,551.86 92.36 10,355.85 145.30 27,195.80 31,044.15 | 337.67 53,351.86 300.07 33,643.82 37.60 19,707.83 7,487.96 7,756.18
159 237.67 37,789.53 92.80 10,448.65 144.87 27,340.67 30,951.35 | 337.67 53,689.53 301.47 33,945.29 36.20 19,744.03 7,596.64 7,454.71
160 237.67 38,027.20 93.23 10,541.88 144.44 27,485.11 30,858.12 | 337.67 54,027.20 302.88 34,248.17 34.79 19,778.82 7,706.29 7,151.83
161 237.67 38,264.87 93.66 10,635.54 144.00 27,629.12 30,764.46 | 337.67 54,364.87 304.29 34,552.47 33.38 19,812.19 7,816.92 6,847.53
162 237.67 38,502.54 94.10 10,729.65 143.57 27,772.68 30,670.35 | 337.67 54,702.54 305.71 34,858.18 31.96 19,844.15 7,928.53 6,541.82
163 237.67 38,740.21 94.54 10,824.19 143.13 27,915.81 30,575.81 | 337.67 55,040.21 307.14 35,165.32 30.53 19,874.68 8,041.13 6,234.68
164 237.67 38,977.88 94.98 10,919.17 142.69 28,058.50 30,480.83 | 337.67 55,377.88 308.57 35,473.89 29.10 19,903.77 8,154.73 5,926.11
165 237.67 39,215.55 95.42 11,014.59 142.24 28,200.74 30,385.41 | 337.67 55,715.55 310.01 35,783.91 27.66 19,931.43 8,269.31 5,616.09
166 237.67 39,453.22 95.87 11,110.46 141.80 28,342.54 30,289.54 | 337.67 56,053.22 311.46 36,095.37 26.21 19,957.64 8,384.91 5,304.63
167 237.67 39,690.89 96.32 11,206.78 141.35 28,483.89 30,193.22 | 337.67 56,390.89 312.91 36,408.28 24.75 19,982.39 8,501.50 4,991.72
168 237.67 39,928.56 96.77 11,303.55 140.90 28,624.79 30,096.45 | 337.67 56,728.56 314.37 36,722.65 23.29 20,005.69 8,619.11 4,677.35
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
169 237.67 40,166.23 97.22 11,400.77 140.45 28,765.24 29,999.23 | 337.67 57,066.23 315.84 37,038.50 21.83 20,027.51 8,737.73 4,361.50
170 237.67 40,403.90 97.67 11,498.44 140.00 28,905.24 29,901.56 | 337.67 57,403.90 317.32 37,355.81 20.35 20,047.87 8,857.37 4,044.19
171 237.67 40,641.57 98.13 11,596.57 139.54 29,044.78 29,803.43 | 337.67 57,741.57 318.80 37,674.61 18.87 20,066.74 8,978.04 3,725.39
172 237.67 40,879.24 98.59 11,695.15 139.08 29,183.86 29,704.85 | 337.67 58,079.24 320.28 37,994.89 17.39 20,084.13 9,099.74 3,405.11
173 237.67 41,116.91 99.05 11,794.20 138.62 29,322.49 29,605.80 | 337.67 58,416.91 321.78 38,316.67 15.89 20,100.02 9,222.47 3,083.33
174 237.67 41,354.58 99.51 11,893.71 138.16 29,460.65 29,506.29 | 337.67 58,754.58 323.28 38,639.95 14.39 20,114.41 9,346.24 2,760.05
175 237.67 41,592.25 99.97 11,993.68 137.70 29,598.34 29,406.32 | 337.67 59,092.25 324.79 38,964.74 12.88 20,127.29 9,471.06 2,435.26
176 237.67 41,829.92 100.44 12,094.12 137.23 29,735.57 29,305.88 | 337.67 59,429.92 326.30 39,291.04 11.36 20,138.65 9,596.92 2,108.96
177 237.67 42,067.59 100.91 12,195.03 136.76 29,872.33 29,204.97 | 337.67 59,767.59 327.83 39,618.87 9.84 20,148.49 9,723.84 1,781.13
178 237.67 42,305.26 101.38 12,296.40 136.29 30,008.62 29,103.60 | 337.67 60,105.26 329.36 39,948.22 8.31 20,156.80 9,851.82 1,451.78
179 237.67 42,542.93 101.85 12,398.26 135.82 30,144.44 29,001.74 | 337.67 60,442.93 330.89 40,279.12 6.77 20,163.58 9,980.86 1,120.88
180 237.67 42,780.60 102.33 12,500.58 135.34 30,279.78 28,899.42 | 337.67 60,780.60 332.44 40,611.56 5.23 20,168.81 10,110.97 788.44
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
181 237.67 43,018.27 102.80 12,603.39 134.86 30,414.65 28,796.61 | 337.67 61,118.27 333.99 40,945.55 3.68 20,172.49 10,242.16 454.45
182 237.67 43,255.94 103.28 12,706.67 134.38 30,549.03 28,693.33 | 337.67 61,455.94 335.55 41,281.09 2.12 20,174.61 10,374.42 118.91
183 237.67 43,493.61 103.77 12,810.44 133.90 30,682.93 28,589.56 | 119.46 61,575.40 118.91 41,618.21 0.55 20,175.16 10,507.77 0.00

Loan Paid off in Year 15.

Total Interest Based on 30 Year Loan with No Extra Payment $44,160.73.

Total Interest Saved with Pre-Payment is $23,985.57