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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: $4,900

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
1 188.55 188.55 74.26 74.26 114.29 114.29 44,025.74 | 288.55 288.55 174.26 174.26 114.29 114.29 0.00 43,925.74
2 188.55 377.10 74.45 148.72 114.10 228.39 43,951.28 | 288.55 577.10 174.71 348.97 113.84 228.13 0.26 43,751.03
3 188.55 565.65 74.65 223.36 113.91 342.30 43,876.64 | 288.55 865.65 175.17 524.14 113.39 341.52 0.78 43,575.86
4 188.55 754.20 74.84 298.20 113.71 456.01 43,801.80 | 288.55 1,154.20 175.62 699.76 112.93 454.46 1.56 43,400.24
5 188.55 942.75 75.03 373.24 113.52 569.53 43,726.76 | 288.55 1,442.75 176.07 875.83 112.48 566.93 2.60 43,224.17
6 188.55 1,131.30 75.23 448.46 113.33 682.86 43,651.54 | 288.55 1,731.30 176.53 1,052.37 112.02 678.96 3.90 43,047.63
7 188.55 1,319.85 75.42 523.89 113.13 795.99 43,576.11 | 288.55 2,019.85 176.99 1,229.35 111.57 790.52 5.47 42,870.65
8 188.55 1,508.40 75.62 599.51 112.93 908.92 43,500.49 | 288.55 2,308.40 177.45 1,406.80 111.11 901.63 7.29 42,693.20
9 188.55 1,696.95 75.82 675.32 112.74 1,021.66 43,424.68 | 288.55 2,596.95 177.91 1,584.71 110.65 1,012.28 9.39 42,515.29
10 188.55 1,885.50 76.01 751.33 112.54 1,134.20 43,348.67 | 288.55 2,885.50 178.37 1,763.08 110.19 1,122.46 11.74 42,336.92
11 188.55 2,074.05 76.21 827.54 112.35 1,246.55 43,272.46 | 288.55 3,174.05 178.83 1,941.91 109.72 1,232.18 14.37 42,158.09
12 188.55 2,262.60 76.41 903.95 112.15 1,358.70 43,196.05 | 288.55 3,462.60 179.29 2,121.20 109.26 1,341.44 17.25 41,978.80
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
13 188.55 2,451.15 76.60 980.55 111.95 1,470.65 43,119.45 | 288.55 3,751.15 179.76 2,300.96 108.80 1,450.24 20.41 41,799.04
14 188.55 2,639.70 76.80 1,057.36 111.75 1,582.40 43,042.64 | 288.55 4,039.70 180.22 2,481.19 108.33 1,558.57 23.83 41,618.81
15 188.55 2,828.25 77.00 1,134.36 111.55 1,693.95 42,965.64 | 288.55 4,328.25 180.69 2,661.88 107.86 1,666.43 27.52 41,438.12
16 188.55 3,016.80 77.20 1,211.56 111.35 1,805.30 42,888.44 | 288.55 4,616.80 181.16 2,843.04 107.39 1,773.82 31.48 41,256.96
17 188.55 3,205.35 77.40 1,288.96 111.15 1,916.46 42,811.04 | 288.55 4,905.35 181.63 3,024.67 106.92 1,880.75 35.71 41,075.33
18 188.55 3,393.90 77.60 1,366.56 110.95 2,027.41 42,733.44 | 288.55 5,193.90 182.10 3,206.77 106.45 1,987.20 40.21 40,893.23
19 188.55 3,582.45 77.80 1,444.36 110.75 2,138.16 42,655.64 | 288.55 5,482.45 182.57 3,389.34 105.98 2,093.18 44.98 40,710.66
20 188.55 3,771.00 78.00 1,522.37 110.55 2,248.71 42,577.63 | 288.55 5,771.00 183.05 3,572.39 105.51 2,198.69 50.02 40,527.61
21 188.55 3,959.55 78.21 1,600.58 110.35 2,359.05 42,499.42 | 288.55 6,059.55 183.52 3,755.90 105.03 2,303.73 55.33 40,344.10
22 188.55 4,148.10 78.41 1,678.99 110.14 2,469.20 42,421.01 | 288.55 6,348.10 184.00 3,939.90 104.56 2,408.28 60.91 40,160.10
23 188.55 4,336.65 78.61 1,757.60 109.94 2,579.14 42,342.40 | 288.55 6,636.65 184.47 4,124.37 104.08 2,512.37 66.77 39,975.63
24 188.55 4,525.20 78.82 1,836.41 109.74 2,688.88 42,263.59 | 288.55 6,925.20 184.95 4,309.32 103.60 2,615.97 72.91 39,790.68
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
25 188.55 4,713.75 79.02 1,915.44 109.53 2,798.41 42,184.56 | 288.55 7,213.75 185.43 4,494.75 103.12 2,719.09 79.32 39,605.25
26 188.55 4,902.30 79.23 1,994.66 109.33 2,907.74 42,105.34 | 288.55 7,502.30 185.91 4,680.66 102.64 2,821.74 86.00 39,419.34
27 188.55 5,090.85 79.43 2,074.09 109.12 3,016.86 42,025.91 | 288.55 7,790.85 186.39 4,867.05 102.16 2,923.90 92.96 39,232.95
28 188.55 5,279.40 79.64 2,153.73 108.92 3,125.78 41,946.27 | 288.55 8,079.40 186.88 5,053.93 101.68 3,025.58 100.20 39,046.07
29 188.55 5,467.95 79.84 2,233.57 108.71 3,234.49 41,866.43 | 288.55 8,367.95 187.36 5,241.29 101.19 3,126.77 107.72 38,858.71
30 188.55 5,656.50 80.05 2,313.62 108.50 3,342.99 41,786.38 | 288.55 8,656.50 187.85 5,429.13 100.71 3,227.48 115.51 38,670.87
31 188.55 5,845.05 80.26 2,393.88 108.30 3,451.29 41,706.12 | 288.55 8,945.05 188.33 5,617.47 100.22 3,327.70 123.59 38,482.53
32 188.55 6,033.60 80.47 2,474.34 108.09 3,559.38 41,625.66 | 288.55 9,233.60 188.82 5,806.29 99.73 3,427.44 131.94 38,293.71
33 188.55 6,222.15 80.67 2,555.02 107.88 3,667.26 41,544.98 | 288.55 9,522.15 189.31 5,995.60 99.24 3,526.68 140.58 38,104.40
34 188.55 6,410.70 80.88 2,635.90 107.67 3,774.93 41,464.10 | 288.55 9,810.70 189.80 6,185.40 98.75 3,625.44 149.49 37,914.60
35 188.55 6,599.25 81.09 2,716.99 107.46 3,882.39 41,383.01 | 288.55 10,099.25 190.29 6,375.69 98.26 3,723.70 158.69 37,724.31
36 188.55 6,787.80 81.30 2,798.30 107.25 3,989.64 41,301.70 | 288.55 10,387.80 190.78 6,566.47 97.77 3,821.47 168.18 37,533.53
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
37 188.55 6,976.35 81.51 2,879.81 107.04 4,096.68 41,220.19 | 288.55 10,676.35 191.28 6,757.75 97.27 3,918.74 177.94 37,342.25
38 188.55 7,164.90 81.72 2,961.54 106.83 4,203.51 41,138.46 | 288.55 10,964.90 191.78 6,949.53 96.78 4,015.52 187.99 37,150.47
39 188.55 7,353.45 81.94 3,043.47 106.62 4,310.13 41,056.53 | 288.55 11,253.45 192.27 7,141.80 96.28 4,111.80 198.33 36,958.20
40 188.55 7,542.00 82.15 3,125.62 106.40 4,416.53 40,974.38 | 288.55 11,542.00 192.77 7,334.57 95.78 4,207.58 208.95 36,765.43
41 188.55 7,730.55 82.36 3,207.98 106.19 4,522.72 40,892.02 | 288.55 11,830.55 193.27 7,527.84 95.28 4,302.87 219.86 36,572.16
42 188.55 7,919.10 82.58 3,290.56 105.98 4,628.70 40,809.44 | 288.55 12,119.10 193.77 7,721.61 94.78 4,397.65 231.05 36,378.39
43 188.55 8,107.65 82.79 3,373.35 105.76 4,734.47 40,726.65 | 288.55 12,407.65 194.27 7,915.88 94.28 4,491.93 242.54 36,184.12
44 188.55 8,296.20 83.00 3,456.35 105.55 4,840.02 40,643.65 | 288.55 12,696.20 194.78 8,110.66 93.78 4,585.71 254.31 35,989.34
45 188.55 8,484.75 83.22 3,539.57 105.33 4,945.35 40,560.43 | 288.55 12,984.75 195.28 8,305.94 93.27 4,678.98 266.37 35,794.06
46 188.55 8,673.30 83.43 3,623.01 105.12 5,050.47 40,476.99 | 288.55 13,273.30 195.79 8,501.73 92.77 4,771.75 278.72 35,598.27
47 188.55 8,861.85 83.65 3,706.66 104.90 5,155.37 40,393.34 | 288.55 13,561.85 196.29 8,698.02 92.26 4,864.01 291.37 35,401.98
48 188.55 9,050.40 83.87 3,790.52 104.69 5,260.06 40,309.48 | 288.55 13,850.40 196.80 8,894.83 91.75 4,955.76 304.30 35,205.17
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
49 188.55 9,238.95 84.09 3,874.61 104.47 5,364.53 40,225.39 | 288.55 14,138.95 197.31 9,092.14 91.24 5,047.00 317.53 35,007.86
50 188.55 9,427.50 84.30 3,958.91 104.25 5,468.78 40,141.09 | 288.55 14,427.50 197.83 9,289.97 90.73 5,137.72 331.05 34,810.03
51 188.55 9,616.05 84.52 4,043.43 104.03 5,572.81 40,056.57 | 288.55 14,716.05 198.34 9,488.31 90.22 5,227.94 344.87 34,611.69
52 188.55 9,804.60 84.74 4,128.17 103.81 5,676.62 39,971.83 | 288.55 15,004.60 198.85 9,687.16 89.70 5,317.64 358.98 34,412.84
53 188.55 9,993.15 84.96 4,213.14 103.59 5,780.22 39,886.86 | 288.55 15,293.15 199.37 9,886.52 89.19 5,406.83 373.39 34,213.48
54 188.55 10,181.70 85.18 4,298.32 103.37 5,883.59 39,801.68 | 288.55 15,581.70 199.88 10,086.41 88.67 5,495.50 388.09 34,013.59
55 188.55 10,370.25 85.40 4,383.72 103.15 5,986.74 39,716.28 | 288.55 15,870.25 200.40 10,286.81 88.15 5,583.65 403.09 33,813.19
56 188.55 10,558.80 85.62 4,469.34 102.93 6,089.68 39,630.66 | 288.55 16,158.80 200.92 10,487.73 87.63 5,671.28 418.39 33,612.27
57 188.55 10,747.35 85.84 4,555.18 102.71 6,192.39 39,544.82 | 288.55 16,447.35 201.44 10,689.17 87.11 5,758.40 433.99 33,410.83
58 188.55 10,935.90 86.07 4,641.25 102.49 6,294.87 39,458.75 | 288.55 16,735.90 201.96 10,891.14 86.59 5,844.99 449.89 33,208.86
59 188.55 11,124.45 86.29 4,727.54 102.26 6,397.14 39,372.46 | 288.55 17,024.45 202.49 11,093.63 86.07 5,931.05 466.08 33,006.37
60 188.55 11,313.00 86.51 4,814.05 102.04 6,499.18 39,285.95 | 288.55 17,313.00 203.01 11,296.64 85.54 6,016.59 482.58 32,803.36
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
61 188.55 11,501.55 86.74 4,900.79 101.82 6,600.99 39,199.21 | 288.55 17,601.55 203.54 11,500.18 85.02 6,101.61 499.38 32,599.82
62 188.55 11,690.10 86.96 4,987.75 101.59 6,702.58 39,112.25 | 288.55 17,890.10 204.07 11,704.24 84.49 6,186.10 516.49 32,395.76
63 188.55 11,878.65 87.19 5,074.94 101.37 6,803.95 39,025.06 | 288.55 18,178.65 204.59 11,908.84 83.96 6,270.06 533.89 32,191.16
64 188.55 12,067.20 87.41 5,162.36 101.14 6,905.09 38,937.64 | 288.55 18,467.20 205.13 12,113.96 83.43 6,353.48 551.61 31,986.04
65 188.55 12,255.75 87.64 5,250.00 100.91 7,006.00 38,850.00 | 288.55 18,755.75 205.66 12,319.62 82.90 6,436.38 569.62 31,780.38
66 188.55 12,444.30 87.87 5,337.86 100.69 7,106.69 38,762.14 | 288.55 19,044.30 206.19 12,525.81 82.36 6,518.75 587.94 31,574.19
67 188.55 12,632.85 88.10 5,425.96 100.46 7,207.15 38,674.04 | 288.55 19,332.85 206.72 12,732.53 81.83 6,600.58 606.57 31,367.47
68 188.55 12,821.40 88.32 5,514.28 100.23 7,307.38 38,585.72 | 288.55 19,621.40 207.26 12,939.79 81.29 6,681.87 625.51 31,160.21
69 188.55 13,009.95 88.55 5,602.84 100.00 7,407.38 38,497.16 | 288.55 19,909.95 207.80 13,147.59 80.76 6,762.63 644.75 30,952.41
70 188.55 13,198.50 88.78 5,691.62 99.77 7,507.15 38,408.38 | 288.55 20,198.50 208.34 13,355.92 80.22 6,842.84 664.31 30,744.08
71 188.55 13,387.05 89.01 5,780.63 99.54 7,606.69 38,319.37 | 288.55 20,487.05 208.88 13,564.80 79.68 6,922.52 684.17 30,535.20
72 188.55 13,575.60 89.24 5,869.87 99.31 7,706.00 38,230.13 | 288.55 20,775.60 209.42 13,774.22 79.14 7,001.66 704.34 30,325.78
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
73 188.55 13,764.15 89.47 5,959.35 99.08 7,805.08 38,140.65 | 288.55 21,064.15 209.96 13,984.18 78.59 7,080.25 724.83 30,115.82
74 188.55 13,952.70 89.71 6,049.05 98.85 7,903.93 38,050.95 | 288.55 21,352.70 210.50 14,194.68 78.05 7,158.30 745.63 29,905.32
75 188.55 14,141.25 89.94 6,138.99 98.62 8,002.55 37,961.01 | 288.55 21,641.25 211.05 14,405.73 77.50 7,235.81 766.74 29,694.27
76 188.55 14,329.80 90.17 6,229.16 98.38 8,100.93 37,870.84 | 288.55 21,929.80 211.60 14,617.33 76.96 7,312.77 788.16 29,482.67
77 188.55 14,518.35 90.41 6,319.57 98.15 8,199.08 37,780.43 | 288.55 22,218.35 212.14 14,829.47 76.41 7,389.18 809.90 29,270.53
78 188.55 14,706.90 90.64 6,410.21 97.91 8,296.99 37,689.79 | 288.55 22,506.90 212.69 15,042.16 75.86 7,465.04 831.96 29,057.84
79 188.55 14,895.45 90.87 6,501.08 97.68 8,394.67 37,598.92 | 288.55 22,795.45 213.25 15,255.41 75.31 7,540.34 854.33 28,844.59
80 188.55 15,084.00 91.11 6,592.19 97.44 8,492.12 37,507.81 | 288.55 23,084.00 213.80 15,469.21 74.76 7,615.10 877.02 28,630.79
81 188.55 15,272.55 91.35 6,683.54 97.21 8,589.32 37,416.46 | 288.55 23,372.55 214.35 15,683.56 74.20 7,689.30 900.02 28,416.44
82 188.55 15,461.10 91.58 6,775.12 96.97 8,686.29 37,324.88 | 288.55 23,661.10 214.91 15,898.47 73.65 7,762.95 923.35 28,201.53
83 188.55 15,649.65 91.82 6,866.94 96.73 8,783.03 37,233.06 | 288.55 23,949.65 215.46 16,113.93 73.09 7,836.04 946.99 27,986.07
84 188.55 15,838.20 92.06 6,959.00 96.50 8,879.52 37,141.00 | 288.55 24,238.20 216.02 16,329.96 72.53 7,908.57 970.96 27,770.04
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
85 188.55 16,026.75 92.30 7,051.30 96.26 8,975.78 37,048.70 | 288.55 24,526.75 216.58 16,546.54 71.97 7,980.54 995.24 27,553.46
86 188.55 16,215.30 92.54 7,143.83 96.02 9,071.80 36,956.17 | 288.55 24,815.30 217.14 16,763.68 71.41 8,051.95 1,019.85 27,336.32
87 188.55 16,403.85 92.78 7,236.61 95.78 9,167.58 36,863.39 | 288.55 25,103.85 217.71 16,981.39 70.85 8,122.79 1,044.78 27,118.61
88 188.55 16,592.40 93.02 7,329.62 95.54 9,263.11 36,770.38 | 288.55 25,392.40 218.27 17,199.66 70.28 8,193.08 1,070.04 26,900.34
89 188.55 16,780.95 93.26 7,422.88 95.30 9,358.41 36,677.12 | 288.55 25,680.95 218.84 17,418.50 69.72 8,262.79 1,095.62 26,681.50
90 188.55 16,969.50 93.50 7,516.38 95.05 9,453.47 36,583.62 | 288.55 25,969.50 219.40 17,637.90 69.15 8,331.94 1,121.52 26,462.10
91 188.55 17,158.05 93.74 7,610.12 94.81 9,548.28 36,489.88 | 288.55 26,258.05 219.97 17,857.88 68.58 8,400.52 1,147.76 26,242.12
92 188.55 17,346.60 93.98 7,704.11 94.57 9,642.85 36,395.89 | 288.55 26,546.60 220.54 18,078.42 68.01 8,468.53 1,174.31 26,021.58
93 188.55 17,535.15 94.23 7,798.33 94.33 9,737.17 36,301.67 | 288.55 26,835.15 221.11 18,299.53 67.44 8,535.97 1,201.20 25,800.47
94 188.55 17,723.70 94.47 7,892.81 94.08 9,831.26 36,207.19 | 288.55 27,123.70 221.69 18,521.22 66.87 8,602.84 1,228.42 25,578.78
95 188.55 17,912.25 94.72 7,987.52 93.84 9,925.09 36,112.48 | 288.55 27,412.25 222.26 18,743.48 66.29 8,669.13 1,255.96 25,356.52
96 188.55 18,100.80 94.96 8,082.48 93.59 10,018.68 36,017.52 | 288.55 27,700.80 222.84 18,966.32 65.72 8,734.85 1,283.84 25,133.68
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
97 188.55 18,289.35 95.21 8,177.69 93.35 10,112.03 35,922.31 | 288.55 27,989.35 223.42 19,189.74 65.14 8,799.98 1,312.05 24,910.26
98 188.55 18,477.90 95.46 8,273.15 93.10 10,205.13 35,826.85 | 288.55 28,277.90 223.99 19,413.73 64.56 8,864.54 1,340.59 24,686.27
99 188.55 18,666.45 95.70 8,368.85 92.85 10,297.98 35,731.15 | 288.55 28,566.45 224.58 19,638.31 63.98 8,928.52 1,369.46 24,461.69
100 188.55 18,855.00 95.95 8,464.80 92.60 10,390.58 35,635.20 | 288.55 28,855.00 225.16 19,863.47 63.40 8,991.92 1,398.66 24,236.53
101 188.55 19,043.55 96.20 8,561.00 92.35 10,482.94 35,539.00 | 288.55 29,143.55 225.74 20,089.21 62.81 9,054.73 1,428.21 24,010.79
102 188.55 19,232.10 96.45 8,657.45 92.11 10,575.04 35,442.55 | 288.55 29,432.10 226.33 20,315.53 62.23 9,116.96 1,458.08 23,784.47
103 188.55 19,420.65 96.70 8,754.15 91.86 10,666.90 35,345.85 | 288.55 29,720.65 226.91 20,542.45 61.64 9,178.60 1,488.30 23,557.55
104 188.55 19,609.20 96.95 8,851.10 91.60 10,758.50 35,248.90 | 288.55 30,009.20 227.50 20,769.95 61.05 9,239.65 1,518.85 23,330.05
105 188.55 19,797.75 97.20 8,948.30 91.35 10,849.86 35,151.70 | 288.55 30,297.75 228.09 20,998.04 60.46 9,300.12 1,549.74 23,101.96
106 188.55 19,986.30 97.45 9,045.75 91.10 10,940.96 35,054.25 | 288.55 30,586.30 228.68 21,226.72 59.87 9,359.99 1,580.97 22,873.28
107 188.55 20,174.85 97.70 9,143.45 90.85 11,031.81 34,956.55 | 288.55 30,874.85 229.27 21,455.99 59.28 9,419.27 1,612.54 22,644.01
108 188.55 20,363.40 97.96 9,241.41 90.60 11,122.40 34,858.59 | 288.55 31,163.40 229.87 21,685.86 58.69 9,477.96 1,644.45 22,414.14
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
109 188.55 20,551.95 98.21 9,339.62 90.34 11,212.74 34,760.38 | 288.55 31,451.95 230.46 21,916.32 58.09 9,536.05 1,676.70 22,183.68
110 188.55 20,740.50 98.47 9,438.09 90.09 11,302.83 34,661.91 | 288.55 31,740.50 231.06 22,147.38 57.49 9,593.54 1,709.29 21,952.62
111 188.55 20,929.05 98.72 9,536.81 89.83 11,392.66 34,563.19 | 288.55 32,029.05 231.66 22,379.04 56.89 9,650.43 1,742.23 21,720.96
112 188.55 21,117.60 98.98 9,635.79 89.58 11,482.24 34,464.21 | 288.55 32,317.60 232.26 22,611.30 56.29 9,706.73 1,775.51 21,488.70
113 188.55 21,306.15 99.23 9,735.02 89.32 11,571.56 34,364.98 | 288.55 32,606.15 232.86 22,844.17 55.69 9,762.42 1,809.14 21,255.83
114 188.55 21,494.70 99.49 9,834.52 89.06 11,660.62 34,265.48 | 288.55 32,894.70 233.47 23,077.63 55.09 9,817.51 1,843.12 21,022.37
115 188.55 21,683.25 99.75 9,934.27 88.80 11,749.43 34,165.73 | 288.55 33,183.25 234.07 23,311.70 54.48 9,871.99 1,877.44 20,788.30
116 188.55 21,871.80 100.01 10,034.27 88.55 11,837.97 34,065.73 | 288.55 33,471.80 234.68 23,546.38 53.88 9,925.86 1,912.11 20,553.62
117 188.55 22,060.35 100.27 10,134.54 88.29 11,926.26 33,965.46 | 288.55 33,760.35 235.29 23,781.67 53.27 9,979.13 1,947.13 20,318.33
118 188.55 22,248.90 100.53 10,235.07 88.03 12,014.29 33,864.93 | 288.55 34,048.90 235.90 24,017.56 52.66 10,031.79 1,982.50 20,082.44
119 188.55 22,437.45 100.79 10,335.85 87.77 12,102.05 33,764.15 | 288.55 34,337.45 236.51 24,254.07 52.05 10,083.84 2,018.22 19,845.93
120 188.55 22,626.00 101.05 10,436.90 87.51 12,189.56 33,663.10 | 288.55 34,626.00 237.12 24,491.19 51.43 10,135.27 2,054.29 19,608.81
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
121 188.55 22,814.55 101.31 10,538.21 87.24 12,276.80 33,561.79 | 288.55 34,914.55 237.73 24,728.92 50.82 10,186.09 2,090.71 19,371.08
122 188.55 23,003.10 101.57 10,639.79 86.98 12,363.78 33,460.21 | 288.55 35,203.10 238.35 24,967.27 50.20 10,236.30 2,127.49 19,132.73
123 188.55 23,191.65 101.84 10,741.62 86.72 12,450.50 33,358.38 | 288.55 35,491.65 238.97 25,206.24 49.59 10,285.88 2,164.62 18,893.76
124 188.55 23,380.20 102.10 10,843.72 86.45 12,536.96 33,256.28 | 288.55 35,780.20 239.59 25,445.83 48.97 10,334.85 2,202.11 18,654.17
125 188.55 23,568.75 102.36 10,946.09 86.19 12,623.14 33,153.91 | 288.55 36,068.75 240.21 25,686.04 48.35 10,383.19 2,239.95 18,413.96
126 188.55 23,757.30 102.63 11,048.72 85.92 12,709.07 33,051.28 | 288.55 36,357.30 240.83 25,926.87 47.72 10,430.92 2,278.15 18,173.13
127 188.55 23,945.85 102.90 11,151.61 85.66 12,794.73 32,948.39 | 288.55 36,645.85 241.46 26,168.32 47.10 10,478.01 2,316.71 17,931.68
128 188.55 24,134.40 103.16 11,254.77 85.39 12,880.12 32,845.23 | 288.55 36,934.40 242.08 26,410.40 46.47 10,524.49 2,355.63 17,689.60
129 188.55 24,322.95 103.43 11,358.20 85.12 12,965.24 32,741.80 | 288.55 37,222.95 242.71 26,653.11 45.85 10,570.33 2,394.91 17,446.89
130 188.55 24,511.50 103.70 11,461.90 84.86 13,050.10 32,638.10 | 288.55 37,511.50 243.34 26,896.45 45.22 10,615.55 2,434.55 17,203.55
131 188.55 24,700.05 103.97 11,565.87 84.59 13,134.68 32,534.13 | 288.55 37,800.05 243.97 27,140.42 44.59 10,660.13 2,474.55 16,959.58
132 188.55 24,888.60 104.24 11,670.11 84.32 13,219.00 32,429.89 | 288.55 38,088.60 244.60 27,385.02 43.95 10,704.09 2,514.91 16,714.98
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
133 188.55 25,077.15 104.51 11,774.61 84.05 13,303.05 32,325.39 | 288.55 38,377.15 245.23 27,630.25 43.32 10,747.41 2,555.64 16,469.75
134 188.55 25,265.70 104.78 11,879.39 83.78 13,386.83 32,220.61 | 288.55 38,665.70 245.87 27,876.12 42.68 10,790.09 2,596.73 16,223.88
135 188.55 25,454.25 105.05 11,984.44 83.51 13,470.33 32,115.56 | 288.55 38,954.25 246.51 28,122.63 42.05 10,832.14 2,638.19 15,977.37
136 188.55 25,642.80 105.32 12,089.76 83.23 13,553.56 32,010.24 | 288.55 39,242.80 247.15 28,369.78 41.41 10,873.55 2,680.02 15,730.22
137 188.55 25,831.35 105.59 12,195.35 82.96 13,636.52 31,904.65 | 288.55 39,531.35 247.79 28,617.56 40.77 10,914.31 2,722.21 15,482.44
138 188.55 26,019.90 105.87 12,301.22 82.69 13,719.21 31,798.78 | 288.55 39,819.90 248.43 28,865.99 40.13 10,954.44 2,764.77 15,234.01
139 188.55 26,208.45 106.14 12,407.36 82.41 13,801.62 31,692.64 | 288.55 40,108.45 249.07 29,115.06 39.48 10,993.92 2,807.70 14,984.94
140 188.55 26,397.00 106.42 12,513.78 82.14 13,883.76 31,586.22 | 288.55 40,397.00 249.72 29,364.78 38.84 11,032.76 2,851.00 14,735.22
141 188.55 26,585.55 106.69 12,620.47 81.86 13,965.62 31,479.53 | 288.55 40,685.55 250.37 29,615.15 38.19 11,070.95 2,894.67 14,484.85
142 188.55 26,774.10 106.97 12,727.44 81.58 14,047.20 31,372.56 | 288.55 40,974.10 251.01 29,866.16 37.54 11,108.49 2,938.72 14,233.84
143 188.55 26,962.65 107.25 12,834.69 81.31 14,128.51 31,265.31 | 288.55 41,262.65 251.66 30,117.82 36.89 11,145.38 2,983.14 13,982.18
144 188.55 27,151.20 107.52 12,942.21 81.03 14,209.54 31,157.79 | 288.55 41,551.20 252.32 30,370.14 36.24 11,181.61 3,027.93 13,729.86
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
145 188.55 27,339.75 107.80 13,050.02 80.75 14,290.29 31,049.98 | 288.55 41,839.75 252.97 30,623.11 35.58 11,217.20 3,073.09 13,476.89
146 188.55 27,528.30 108.08 13,158.10 80.47 14,370.76 30,941.90 | 288.55 42,128.30 253.63 30,876.74 34.93 11,252.12 3,118.64 13,223.26
147 188.55 27,716.85 108.36 13,266.46 80.19 14,450.95 30,833.54 | 288.55 42,416.85 254.28 31,131.02 34.27 11,286.39 3,164.56 12,968.98
148 188.55 27,905.40 108.64 13,375.11 79.91 14,530.86 30,724.89 | 288.55 42,705.40 254.94 31,385.96 33.61 11,320.01 3,210.86 12,714.04
149 188.55 28,093.95 108.93 13,484.03 79.63 14,610.49 30,615.97 | 288.55 42,993.95 255.60 31,641.57 32.95 11,352.96 3,257.54 12,458.43
150 188.55 28,282.50 109.21 13,593.24 79.35 14,689.84 30,506.76 | 288.55 43,282.50 256.27 31,897.83 32.29 11,385.24 3,304.59 12,202.17
151 188.55 28,471.05 109.49 13,702.73 79.06 14,768.90 30,397.27 | 288.55 43,571.05 256.93 32,154.76 31.62 11,416.87 3,352.03 11,945.24
152 188.55 28,659.60 109.77 13,812.50 78.78 14,847.68 30,287.50 | 288.55 43,859.60 257.60 32,412.36 30.96 11,447.83 3,399.86 11,687.64
153 188.55 28,848.15 110.06 13,922.56 78.50 14,926.18 30,177.44 | 288.55 44,148.15 258.26 32,670.62 30.29 11,478.12 3,448.06 11,429.38
154 188.55 29,036.70 110.34 14,032.91 78.21 15,004.39 30,067.09 | 288.55 44,436.70 258.93 32,929.55 29.62 11,507.74 3,496.65 11,170.45
155 188.55 29,225.25 110.63 14,143.54 77.92 15,082.31 29,956.46 | 288.55 44,725.25 259.60 33,189.16 28.95 11,536.69 3,545.62 10,910.84
156 188.55 29,413.80 110.92 14,254.45 77.64 15,159.95 29,845.55 | 288.55 45,013.80 260.28 33,449.43 28.28 11,564.96 3,594.98 10,650.57
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
157 188.55 29,602.35 111.20 14,365.66 77.35 15,237.30 29,734.34 | 288.55 45,302.35 260.95 33,710.39 27.60 11,592.57 3,644.73 10,389.61
158 188.55 29,790.90 111.49 14,477.15 77.06 15,314.36 29,622.85 | 288.55 45,590.90 261.63 33,972.01 26.93 11,619.49 3,694.86 10,127.99
159 188.55 29,979.45 111.78 14,588.93 76.77 15,391.13 29,511.07 | 288.55 45,879.45 262.31 34,234.32 26.25 11,645.74 3,745.39 9,865.68
160 188.55 30,168.00 112.07 14,701.00 76.48 15,467.61 29,399.00 | 288.55 46,168.00 262.99 34,497.30 25.57 11,671.31 3,796.30 9,602.70
161 188.55 30,356.55 112.36 14,813.36 76.19 15,543.81 29,286.64 | 288.55 46,456.55 263.67 34,760.97 24.89 11,696.20 3,847.61 9,339.03
162 188.55 30,545.10 112.65 14,926.01 75.90 15,619.71 29,173.99 | 288.55 46,745.10 264.35 35,025.32 24.20 11,720.40 3,899.31 9,074.68
163 188.55 30,733.65 112.94 15,038.96 75.61 15,695.32 29,061.04 | 288.55 47,033.65 265.04 35,290.36 23.52 11,743.92 3,951.40 8,809.64
164 188.55 30,922.20 113.24 15,152.20 75.32 15,770.63 28,947.80 | 288.55 47,322.20 265.72 35,556.08 22.83 11,766.75 4,003.88 8,543.92
165 188.55 31,110.75 113.53 15,265.73 75.02 15,845.66 28,834.27 | 288.55 47,610.75 266.41 35,822.49 22.14 11,788.89 4,056.76 8,277.51
166 188.55 31,299.30 113.83 15,379.55 74.73 15,920.39 28,720.45 | 288.55 47,899.30 267.10 36,089.59 21.45 11,810.35 4,110.04 8,010.41
167 188.55 31,487.85 114.12 15,493.67 74.43 15,994.82 28,606.33 | 288.55 48,187.85 267.79 36,357.38 20.76 11,831.11 4,163.71 7,742.62
168 188.55 31,676.40 114.42 15,608.09 74.14 16,068.96 28,491.91 | 288.55 48,476.40 268.49 36,625.87 20.07 11,851.17 4,217.78 7,474.13
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
169 188.55 31,864.95 114.71 15,722.80 73.84 16,142.80 28,377.20 | 288.55 48,764.95 269.18 36,895.06 19.37 11,870.54 4,272.25 7,204.94
170 188.55 32,053.50 115.01 15,837.81 73.54 16,216.34 28,262.19 | 288.55 49,053.50 269.88 37,164.94 18.67 11,889.22 4,327.13 6,935.06
171 188.55 32,242.05 115.31 15,953.12 73.25 16,289.59 28,146.88 | 288.55 49,342.05 270.58 37,435.52 17.97 11,907.19 4,382.40 6,664.48
172 188.55 32,430.60 115.61 16,068.72 72.95 16,362.54 28,031.28 | 288.55 49,630.60 271.28 37,706.80 17.27 11,924.46 4,438.07 6,393.20
173 188.55 32,619.15 115.91 16,184.63 72.65 16,435.18 27,915.37 | 288.55 49,919.15 271.98 37,978.78 16.57 11,941.03 4,494.15 6,121.22
174 188.55 32,807.70 116.21 16,300.84 72.35 16,507.53 27,799.16 | 288.55 50,207.70 272.69 38,251.47 15.86 11,956.90 4,550.64 5,848.53
175 188.55 32,996.25 116.51 16,417.34 72.05 16,579.58 27,682.66 | 288.55 50,496.25 273.40 38,524.87 15.16 11,972.05 4,607.52 5,575.13
176 188.55 33,184.80 116.81 16,534.15 71.74 16,651.32 27,565.85 | 288.55 50,784.80 274.10 38,798.97 14.45 11,986.50 4,664.82 5,301.03
177 188.55 33,373.35 117.11 16,651.27 71.44 16,722.76 27,448.73 | 288.55 51,073.35 274.82 39,073.79 13.74 12,000.24 4,722.52 5,026.21
178 188.55 33,561.90 117.42 16,768.68 71.14 16,793.90 27,331.32 | 288.55 51,361.90 275.53 39,349.32 13.03 12,013.27 4,780.63 4,750.68
179 188.55 33,750.45 117.72 16,886.40 70.83 16,864.74 27,213.60 | 288.55 51,650.45 276.24 39,625.56 12.31 12,025.58 4,839.16 4,474.44
180 188.55 33,939.00 118.03 17,004.43 70.53 16,935.26 27,095.57 | 288.55 51,939.00 276.96 39,902.52 11.60 12,037.18 4,898.09 4,197.48
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
181 188.55 34,127.55 118.33 17,122.76 70.22 17,005.49 26,977.24 | 288.55 52,227.55 277.68 40,180.19 10.88 12,048.05 4,957.43 3,919.81
182 188.55 34,316.10 118.64 17,241.40 69.92 17,075.40 26,858.60 | 288.55 52,516.10 278.40 40,458.59 10.16 12,058.21 5,017.19 3,641.41
183 188.55 34,504.65 118.95 17,360.34 69.61 17,145.01 26,739.66 | 288.55 52,804.65 279.12 40,737.70 9.44 12,067.65 5,077.36 3,362.30
184 188.55 34,693.20 119.25 17,479.60 69.30 17,214.31 26,620.40 | 288.55 53,093.20 279.84 41,017.54 8.71 12,076.36 5,137.95 3,082.46
185 188.55 34,881.75 119.56 17,599.16 68.99 17,283.30 26,500.84 | 288.55 53,381.75 280.57 41,298.11 7.99 12,084.35 5,198.95 2,801.89
186 188.55 35,070.30 119.87 17,719.03 68.68 17,351.98 26,380.97 | 288.55 53,670.30 281.29 41,579.40 7.26 12,091.61 5,260.37 2,520.60
187 188.55 35,258.85 120.18 17,839.21 68.37 17,420.35 26,260.79 | 288.55 53,958.85 282.02 41,861.42 6.53 12,098.15 5,322.21 2,238.58
188 188.55 35,447.40 120.49 17,959.71 68.06 17,488.41 26,140.29 | 288.55 54,247.40 282.75 42,144.17 5.80 12,103.95 5,384.47 1,955.83
189 188.55 35,635.95 120.81 18,080.52 67.75 17,556.16 26,019.48 | 288.55 54,535.95 283.48 42,427.66 5.07 12,109.02 5,447.14 1,672.34
190 188.55 35,824.50 121.12 18,201.64 67.43 17,623.59 25,898.36 | 288.55 54,824.50 284.22 42,711.88 4.33 12,113.35 5,510.24 1,388.12
191 188.55 36,013.05 121.43 18,323.07 67.12 17,690.71 25,776.93 | 288.55 55,113.05 284.96 42,996.84 3.60 12,116.95 5,573.77 1,103.16
192 188.55 36,201.60 121.75 18,444.82 66.81 17,757.52 25,655.18 | 288.55 55,401.60 285.69 43,282.53 2.86 12,119.81 5,637.71 817.47
Year 16 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
193 188.55 36,390.15 122.06 18,566.88 66.49 17,824.01 25,533.12 | 288.55 55,690.15 286.44 43,568.97 2.12 12,121.93 5,702.08 531.03
194 188.55 36,578.70 122.38 18,689.26 66.17 17,890.18 25,410.74 | 288.55 55,978.70 287.18 43,856.14 1.38 12,123.30 5,766.88 243.86
195 188.55 36,767.25 122.70 18,811.96 65.86 17,956.04 25,288.04 | 244.49 56,223.19 243.86 44,144.06 0.63 12,123.93 5,832.10 0.00

Loan Paid off in Year 16.

Total Interest Based on 30 Year Loan with No Extra Payment $23,779.38.

Total Interest Saved with Pre-Payment is $11,655.45