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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: $5,200

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
1 200.10 200.10 78.81 78.81 121.29 121.29 46,721.19 | 300.10 300.10 178.81 178.81 121.29 121.29 0.00 46,621.19
2 200.10 400.20 79.01 157.82 121.09 242.38 46,642.18 | 300.10 600.20 179.27 358.08 120.83 242.12 0.26 46,441.92
3 200.10 600.30 79.22 237.04 120.88 363.26 46,562.96 | 300.10 900.30 179.74 537.82 120.36 362.48 0.78 46,262.18
4 200.10 800.40 79.42 316.46 120.68 483.93 46,483.54 | 300.10 1,200.40 180.20 718.02 119.90 482.37 1.56 46,081.98
5 200.10 1,000.50 79.63 396.09 120.47 604.40 46,403.91 | 300.10 1,500.50 180.67 898.69 119.43 601.80 2.60 45,901.31
6 200.10 1,200.60 79.83 475.92 120.26 724.67 46,324.08 | 300.10 1,800.60 181.14 1,079.82 118.96 720.76 3.90 45,720.18
7 200.10 1,400.70 80.04 555.96 120.06 844.72 46,244.04 | 300.10 2,100.70 181.61 1,261.43 118.49 839.26 5.47 45,538.57
8 200.10 1,600.80 80.25 636.21 119.85 964.57 46,163.79 | 300.10 2,400.80 182.08 1,443.51 118.02 957.28 7.29 45,356.49
9 200.10 1,800.90 80.46 716.67 119.64 1,084.21 46,083.33 | 300.10 2,700.90 182.55 1,626.06 117.55 1,074.83 9.39 45,173.94
10 200.10 2,001.00 80.67 797.33 119.43 1,203.65 46,002.67 | 300.10 3,001.00 183.02 1,809.08 117.08 1,191.90 11.74 44,990.92
11 200.10 2,201.10 80.87 878.21 119.22 1,322.87 45,921.79 | 300.10 3,301.10 183.50 1,992.57 116.60 1,308.50 14.37 44,807.43
12 200.10 2,401.20 81.08 959.29 119.01 1,441.88 45,840.71 | 300.10 3,601.20 183.97 2,176.55 116.13 1,424.63 17.25 44,623.45
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
13 200.10 2,601.30 81.29 1,040.59 118.80 1,560.69 45,759.41 | 300.10 3,901.30 184.45 2,361.00 115.65 1,540.28 20.41 44,439.00
14 200.10 2,801.40 81.50 1,122.09 118.59 1,679.28 45,677.91 | 300.10 4,201.40 184.93 2,545.92 115.17 1,655.45 23.83 44,254.08
15 200.10 3,001.50 81.72 1,203.81 118.38 1,797.66 45,596.19 | 300.10 4,501.50 185.41 2,731.33 114.69 1,770.14 27.52 44,068.67
16 200.10 3,201.60 81.93 1,285.74 118.17 1,915.83 45,514.26 | 300.10 4,801.60 185.89 2,917.21 114.21 1,884.35 31.48 43,882.79
17 200.10 3,401.70 82.14 1,367.88 117.96 2,033.79 45,432.12 | 300.10 5,101.70 186.37 3,103.58 113.73 1,998.08 35.71 43,696.42
18 200.10 3,601.80 82.35 1,450.23 117.74 2,151.53 45,349.77 | 300.10 5,401.80 186.85 3,290.43 113.25 2,111.33 40.21 43,509.57
19 200.10 3,801.90 82.57 1,532.80 117.53 2,269.07 45,267.20 | 300.10 5,701.90 187.34 3,477.77 112.76 2,224.09 44.98 43,322.23
20 200.10 4,002.00 82.78 1,615.58 117.32 2,386.38 45,184.42 | 300.10 6,002.00 187.82 3,665.59 112.28 2,336.37 50.02 43,134.41
21 200.10 4,202.10 82.99 1,698.57 117.10 2,503.49 45,101.43 | 300.10 6,302.10 188.31 3,853.90 111.79 2,448.16 55.33 42,946.10
22 200.10 4,402.20 83.21 1,781.78 116.89 2,620.37 45,018.22 | 300.10 6,602.20 188.80 4,042.70 111.30 2,559.46 60.91 42,757.30
23 200.10 4,602.30 83.43 1,865.21 116.67 2,737.05 44,934.79 | 300.10 6,902.30 189.29 4,231.98 110.81 2,670.27 66.77 42,568.02
24 200.10 4,802.40 83.64 1,948.85 116.46 2,853.50 44,851.15 | 300.10 7,202.40 189.78 4,421.76 110.32 2,780.59 72.91 42,378.24
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
25 200.10 5,002.50 83.86 2,032.71 116.24 2,969.74 44,767.29 | 300.10 7,502.50 190.27 4,612.02 109.83 2,890.42 79.32 42,187.98
26 200.10 5,202.60 84.08 2,116.78 116.02 3,085.76 44,683.22 | 300.10 7,802.60 190.76 4,802.78 109.34 2,999.76 86.00 41,997.22
27 200.10 5,402.70 84.29 2,201.08 115.80 3,201.57 44,598.92 | 300.10 8,102.70 191.26 4,994.04 108.84 3,108.60 92.96 41,805.96
28 200.10 5,602.80 84.51 2,285.59 115.59 3,317.15 44,514.41 | 300.10 8,402.80 191.75 5,185.79 108.35 3,216.95 100.20 41,614.21
29 200.10 5,802.90 84.73 2,370.32 115.37 3,432.52 44,429.68 | 300.10 8,702.90 192.25 5,378.04 107.85 3,324.80 107.72 41,421.96
30 200.10 6,003.00 84.95 2,455.27 115.15 3,547.67 44,344.73 | 300.10 9,003.00 192.75 5,570.78 107.35 3,432.15 115.51 41,229.22
31 200.10 6,203.10 85.17 2,540.44 114.93 3,662.59 44,259.56 | 300.10 9,303.10 193.25 5,764.03 106.85 3,539.01 123.59 41,035.97
32 200.10 6,403.20 85.39 2,625.84 114.71 3,777.30 44,174.16 | 300.10 9,603.20 193.75 5,957.78 106.35 3,645.36 131.94 40,842.22
33 200.10 6,603.30 85.61 2,711.45 114.48 3,891.78 44,088.55 | 300.10 9,903.30 194.25 6,152.03 105.85 3,751.21 140.58 40,647.97
34 200.10 6,803.40 85.84 2,797.28 114.26 4,006.05 44,002.72 | 300.10 10,203.40 194.75 6,346.78 105.35 3,856.55 149.49 40,453.22
35 200.10 7,003.50 86.06 2,883.34 114.04 4,120.09 43,916.66 | 300.10 10,503.50 195.26 6,542.03 104.84 3,961.39 158.69 40,257.97
36 200.10 7,203.60 86.28 2,969.62 113.82 4,233.90 43,830.38 | 300.10 10,803.60 195.76 6,737.80 104.34 4,065.73 168.18 40,062.20
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
37 200.10 7,403.70 86.50 3,056.13 113.59 4,347.50 43,743.87 | 300.10 11,103.70 196.27 6,934.07 103.83 4,169.56 177.94 39,865.93
38 200.10 7,603.80 86.73 3,142.85 113.37 4,460.87 43,657.15 | 300.10 11,403.80 196.78 7,130.85 103.32 4,272.88 187.99 39,669.15
39 200.10 7,803.90 86.95 3,229.81 113.14 4,574.01 43,570.19 | 300.10 11,703.90 197.29 7,328.13 102.81 4,375.69 198.33 39,471.87
40 200.10 8,004.00 87.18 3,316.99 112.92 4,686.93 43,483.01 | 300.10 12,004.00 197.80 7,525.93 102.30 4,477.98 208.95 39,274.07
41 200.10 8,204.10 87.40 3,404.39 112.69 4,799.63 43,395.61 | 300.10 12,304.10 198.31 7,724.25 101.79 4,579.77 219.86 39,075.75
42 200.10 8,404.20 87.63 3,492.02 112.47 4,912.09 43,307.98 | 300.10 12,604.20 198.83 7,923.07 101.27 4,681.04 231.05 38,876.93
43 200.10 8,604.30 87.86 3,579.88 112.24 5,024.33 43,220.12 | 300.10 12,904.30 199.34 8,122.42 100.76 4,781.80 242.54 38,677.58
44 200.10 8,804.40 88.09 3,667.97 112.01 5,136.34 43,132.03 | 300.10 13,204.40 199.86 8,322.27 100.24 4,882.04 254.31 38,477.73
45 200.10 9,004.50 88.31 3,756.28 111.78 5,248.13 43,043.72 | 300.10 13,504.50 200.38 8,522.65 99.72 4,981.76 266.37 38,277.35
46 200.10 9,204.60 88.54 3,844.82 111.55 5,359.68 42,955.18 | 300.10 13,804.60 200.90 8,723.55 99.20 5,080.96 278.72 38,076.45
47 200.10 9,404.70 88.77 3,933.59 111.33 5,471.01 42,866.41 | 300.10 14,104.70 201.42 8,924.96 98.68 5,179.64 291.37 37,875.04
48 200.10 9,604.80 89.00 4,022.60 111.10 5,582.10 42,777.40 | 300.10 14,404.80 201.94 9,126.90 98.16 5,277.80 304.30 37,673.10
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
49 200.10 9,804.90 89.23 4,111.83 110.86 5,692.97 42,688.17 | 300.10 14,704.90 202.46 9,329.36 97.64 5,375.44 317.53 37,470.64
50 200.10 10,005.00 89.46 4,201.30 110.63 5,803.60 42,598.70 | 300.10 15,005.00 202.99 9,532.35 97.11 5,472.55 331.05 37,267.65
51 200.10 10,205.10 89.70 4,290.99 110.40 5,914.00 42,509.01 | 300.10 15,305.10 203.51 9,735.86 96.59 5,569.13 344.87 37,064.14
52 200.10 10,405.20 89.93 4,380.92 110.17 6,024.17 42,419.08 | 300.10 15,605.20 204.04 9,939.90 96.06 5,665.19 358.98 36,860.10
53 200.10 10,605.30 90.16 4,471.08 109.94 6,134.11 42,328.92 | 300.10 15,905.30 204.57 10,144.47 95.53 5,760.72 373.39 36,655.53
54 200.10 10,805.40 90.40 4,561.48 109.70 6,243.81 42,238.52 | 300.10 16,205.40 205.10 10,349.57 95.00 5,855.72 388.09 36,450.43
55 200.10 11,005.50 90.63 4,652.11 109.47 6,353.28 42,147.89 | 300.10 16,505.50 205.63 10,555.20 94.47 5,950.19 403.09 36,244.80
56 200.10 11,205.60 90.86 4,742.97 109.23 6,462.51 42,057.03 | 300.10 16,805.60 206.16 10,761.36 93.93 6,044.12 418.39 36,038.64
57 200.10 11,405.70 91.10 4,834.07 109.00 6,571.51 41,965.93 | 300.10 17,105.70 206.70 10,968.06 93.40 6,137.52 433.99 35,831.94
58 200.10 11,605.80 91.34 4,925.41 108.76 6,680.27 41,874.59 | 300.10 17,405.80 207.23 11,175.30 92.86 6,230.39 449.89 35,624.70
59 200.10 11,805.90 91.57 5,016.98 108.52 6,788.80 41,783.02 | 300.10 17,705.90 207.77 11,383.07 92.33 6,322.71 466.08 35,416.93
60 200.10 12,006.00 91.81 5,108.79 108.29 6,897.09 41,691.21 | 300.10 18,006.00 208.31 11,591.38 91.79 6,414.50 482.58 35,208.62
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
61 200.10 12,206.10 92.05 5,200.84 108.05 7,005.14 41,599.16 | 300.10 18,306.10 208.85 11,800.22 91.25 6,505.75 499.38 34,999.78
62 200.10 12,406.20 92.29 5,293.13 107.81 7,112.95 41,506.87 | 300.10 18,606.20 209.39 12,009.61 90.71 6,596.46 516.49 34,790.39
63 200.10 12,606.30 92.53 5,385.65 107.57 7,220.52 41,414.35 | 300.10 18,906.30 209.93 12,219.55 90.17 6,686.62 533.89 34,580.45
64 200.10 12,806.40 92.77 5,478.42 107.33 7,327.85 41,321.58 | 300.10 19,206.40 210.48 12,430.02 89.62 6,776.24 551.61 34,369.98
65 200.10 13,006.50 93.01 5,571.42 107.09 7,434.94 41,228.58 | 300.10 19,506.50 211.02 12,641.05 89.08 6,865.32 569.62 34,158.95
66 200.10 13,206.60 93.25 5,664.67 106.85 7,541.79 41,135.33 | 300.10 19,806.60 211.57 12,852.62 88.53 6,953.85 587.94 33,947.38
67 200.10 13,406.70 93.49 5,758.16 106.61 7,648.40 41,041.84 | 300.10 20,106.70 212.12 13,064.73 87.98 7,041.83 606.57 33,735.27
68 200.10 13,606.80 93.73 5,851.89 106.37 7,754.77 40,948.11 | 300.10 20,406.80 212.67 13,277.40 87.43 7,129.26 625.51 33,522.60
69 200.10 13,806.90 93.97 5,945.87 106.12 7,860.89 40,854.13 | 300.10 20,706.90 213.22 13,490.62 86.88 7,216.14 644.75 33,309.38
70 200.10 14,007.00 94.22 6,040.08 105.88 7,966.77 40,759.92 | 300.10 21,007.00 213.77 13,704.39 86.33 7,302.47 664.31 33,095.61
71 200.10 14,207.10 94.46 6,134.55 105.64 8,072.41 40,665.45 | 300.10 21,307.10 214.33 13,918.72 85.77 7,388.24 684.17 32,881.28
72 200.10 14,407.20 94.71 6,229.25 105.39 8,177.80 40,570.75 | 300.10 21,607.20 214.88 14,133.60 85.22 7,473.46 704.34 32,666.40
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
73 200.10 14,607.30 94.95 6,324.20 105.15 8,282.95 40,475.80 | 300.10 21,907.30 215.44 14,349.03 84.66 7,558.12 724.83 32,450.97
74 200.10 14,807.40 95.20 6,419.40 104.90 8,387.85 40,380.60 | 300.10 22,207.40 216.00 14,565.03 84.10 7,642.22 745.63 32,234.97
75 200.10 15,007.50 95.44 6,514.85 104.65 8,492.50 40,285.15 | 300.10 22,507.50 216.56 14,781.59 83.54 7,725.76 766.74 32,018.41
76 200.10 15,207.60 95.69 6,610.54 104.41 8,596.90 40,189.46 | 300.10 22,807.60 217.12 14,998.70 82.98 7,808.74 788.16 31,801.30
77 200.10 15,407.70 95.94 6,706.48 104.16 8,701.06 40,093.52 | 300.10 23,107.70 217.68 15,216.38 82.42 7,891.16 809.90 31,583.62
78 200.10 15,607.80 96.19 6,802.67 103.91 8,804.97 39,997.33 | 300.10 23,407.80 218.24 15,434.63 81.85 7,973.01 831.96 31,365.37
79 200.10 15,807.90 96.44 6,899.11 103.66 8,908.63 39,900.89 | 300.10 23,707.90 218.81 15,653.44 81.29 8,054.30 854.33 31,146.56
80 200.10 16,008.00 96.69 6,995.80 103.41 9,012.04 39,804.20 | 300.10 24,008.00 219.38 15,872.81 80.72 8,135.02 877.02 30,927.19
81 200.10 16,208.10 96.94 7,092.73 103.16 9,115.20 39,707.27 | 300.10 24,308.10 219.94 16,092.76 80.15 8,215.18 900.02 30,707.24
82 200.10 16,408.20 97.19 7,189.92 102.91 9,218.11 39,610.08 | 300.10 24,608.20 220.52 16,313.27 79.58 8,294.76 923.35 30,486.73
83 200.10 16,608.30 97.44 7,287.37 102.66 9,320.76 39,512.63 | 300.10 24,908.30 221.09 16,534.36 79.01 8,373.77 946.99 30,265.64
84 200.10 16,808.40 97.69 7,385.06 102.40 9,423.17 39,414.94 | 300.10 25,208.40 221.66 16,756.02 78.44 8,452.21 970.96 30,043.98
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
85 200.10 17,008.50 97.95 7,483.01 102.15 9,525.32 39,316.99 | 300.10 25,508.50 222.23 16,978.25 77.86 8,530.07 995.24 29,821.75
86 200.10 17,208.60 98.20 7,581.21 101.90 9,627.22 39,218.79 | 300.10 25,808.60 222.81 17,201.06 77.29 8,607.36 1,019.85 29,598.94
87 200.10 17,408.70 98.46 7,679.67 101.64 9,728.86 39,120.33 | 300.10 26,108.70 223.39 17,424.45 76.71 8,684.07 1,044.78 29,375.55
88 200.10 17,608.80 98.71 7,778.38 101.39 9,830.24 39,021.62 | 300.10 26,408.80 223.97 17,648.42 76.13 8,760.20 1,070.04 29,151.58
89 200.10 17,808.90 98.97 7,877.34 101.13 9,931.37 38,922.66 | 300.10 26,708.90 224.55 17,872.96 75.55 8,835.76 1,095.62 28,927.04
90 200.10 18,009.00 99.22 7,976.57 100.87 10,032.25 38,823.43 | 300.10 27,009.00 225.13 18,098.09 74.97 8,910.73 1,121.52 28,701.91
91 200.10 18,209.10 99.48 8,076.05 100.62 10,132.87 38,723.95 | 300.10 27,309.10 225.71 18,323.80 74.39 8,985.11 1,147.76 28,476.20
92 200.10 18,409.20 99.74 8,175.79 100.36 10,233.23 38,624.21 | 300.10 27,609.20 226.30 18,550.10 73.80 9,058.91 1,174.31 28,249.90
93 200.10 18,609.30 100.00 8,275.78 100.10 10,333.33 38,524.22 | 300.10 27,909.30 226.88 18,776.98 73.21 9,132.13 1,201.20 28,023.02
94 200.10 18,809.40 100.26 8,376.04 99.84 10,433.17 38,423.96 | 300.10 28,209.40 227.47 19,004.46 72.63 9,204.75 1,228.42 27,795.54
95 200.10 19,009.50 100.52 8,476.55 99.58 10,532.75 38,323.45 | 300.10 28,509.50 228.06 19,232.52 72.04 9,276.79 1,255.96 27,567.48
96 200.10 19,209.60 100.78 8,577.33 99.32 10,632.07 38,222.67 | 300.10 28,809.60 228.65 19,461.17 71.45 9,348.23 1,283.84 27,338.83
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
97 200.10 19,409.70 101.04 8,678.37 99.06 10,731.13 38,121.63 | 300.10 29,109.70 229.24 19,690.41 70.85 9,419.09 1,312.05 27,109.59
98 200.10 19,609.80 101.30 8,779.67 98.80 10,829.93 38,020.33 | 300.10 29,409.80 229.84 19,920.25 70.26 9,489.35 1,340.59 26,879.75
99 200.10 19,809.90 101.56 8,881.23 98.54 10,928.47 37,918.77 | 300.10 29,709.90 230.43 20,150.69 69.66 9,559.01 1,369.46 26,649.31
100 200.10 20,010.00 101.83 8,983.05 98.27 11,026.74 37,816.95 | 300.10 30,010.00 231.03 20,381.72 69.07 9,628.08 1,398.66 26,418.28
101 200.10 20,210.10 102.09 9,085.14 98.01 11,124.75 37,714.86 | 300.10 30,310.10 231.63 20,613.35 68.47 9,696.54 1,428.21 26,186.65
102 200.10 20,410.20 102.35 9,187.50 97.74 11,222.49 37,612.50 | 300.10 30,610.20 232.23 20,845.58 67.87 9,764.41 1,458.08 25,954.42
103 200.10 20,610.30 102.62 9,290.12 97.48 11,319.97 37,509.88 | 300.10 30,910.30 232.83 21,078.41 67.27 9,831.68 1,488.30 25,721.59
104 200.10 20,810.40 102.88 9,393.00 97.21 11,417.19 37,407.00 | 300.10 31,210.40 233.44 21,311.85 66.66 9,898.34 1,518.85 25,488.15
105 200.10 21,010.50 103.15 9,496.15 96.95 11,514.13 37,303.85 | 300.10 31,510.50 234.04 21,545.89 66.06 9,964.39 1,549.74 25,254.11
106 200.10 21,210.60 103.42 9,599.57 96.68 11,610.81 37,200.43 | 300.10 31,810.60 234.65 21,780.54 65.45 10,029.84 1,580.97 25,019.46
107 200.10 21,410.70 103.69 9,703.26 96.41 11,707.22 37,096.74 | 300.10 32,110.70 235.26 22,015.79 64.84 10,094.69 1,612.54 24,784.21
108 200.10 21,610.80 103.96 9,807.21 96.14 11,803.37 36,992.79 | 300.10 32,410.80 235.87 22,251.66 64.23 10,158.92 1,644.45 24,548.34
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
109 200.10 21,810.90 104.22 9,911.44 95.87 11,899.24 36,888.56 | 300.10 32,710.90 236.48 22,488.14 63.62 10,222.54 1,676.70 24,311.86
110 200.10 22,011.00 104.50 10,015.93 95.60 11,994.84 36,784.07 | 300.10 33,011.00 237.09 22,725.23 63.01 10,285.55 1,709.29 24,074.77
111 200.10 22,211.10 104.77 10,120.70 95.33 12,090.17 36,679.30 | 300.10 33,311.10 237.70 22,962.93 62.39 10,347.94 1,742.23 23,837.07
112 200.10 22,411.20 105.04 10,225.74 95.06 12,185.23 36,574.26 | 300.10 33,611.20 238.32 23,201.25 61.78 10,409.72 1,775.51 23,598.75
113 200.10 22,611.30 105.31 10,331.05 94.79 12,280.02 36,468.95 | 300.10 33,911.30 238.94 23,440.19 61.16 10,470.88 1,809.14 23,359.81
114 200.10 22,811.40 105.58 10,436.63 94.52 12,374.54 36,363.37 | 300.10 34,211.40 239.56 23,679.75 60.54 10,531.42 1,843.12 23,120.25
115 200.10 23,011.50 105.86 10,542.49 94.24 12,468.78 36,257.51 | 300.10 34,511.50 240.18 23,919.92 59.92 10,591.34 1,877.44 22,880.08
116 200.10 23,211.60 106.13 10,648.62 93.97 12,562.75 36,151.38 | 300.10 34,811.60 240.80 24,160.72 59.30 10,650.64 1,912.11 22,639.28
117 200.10 23,411.70 106.41 10,755.02 93.69 12,656.44 36,044.98 | 300.10 35,111.70 241.42 24,402.15 58.67 10,709.31 1,947.13 22,397.85
118 200.10 23,611.80 106.68 10,861.70 93.42 12,749.86 35,938.30 | 300.10 35,411.80 242.05 24,644.20 58.05 10,767.36 1,982.50 22,155.80
119 200.10 23,811.90 106.96 10,968.66 93.14 12,843.00 35,831.34 | 300.10 35,711.90 242.68 24,886.88 57.42 10,824.78 2,018.22 21,913.12
120 200.10 24,012.00 107.24 11,075.90 92.86 12,935.86 35,724.10 | 300.10 36,012.00 243.31 25,130.18 56.79 10,881.57 2,054.29 21,669.82
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
121 200.10 24,212.10 107.51 11,183.41 92.58 13,028.44 35,616.59 | 300.10 36,312.10 243.94 25,374.12 56.16 10,937.73 2,090.71 21,425.88
122 200.10 24,412.20 107.79 11,291.20 92.31 13,120.75 35,508.80 | 300.10 36,612.20 244.57 25,618.69 55.53 10,993.26 2,127.49 21,181.31
123 200.10 24,612.30 108.07 11,399.27 92.03 13,212.78 35,400.73 | 300.10 36,912.30 245.20 25,863.89 54.89 11,048.16 2,164.62 20,936.11
124 200.10 24,812.40 108.35 11,507.62 91.75 13,304.52 35,292.38 | 300.10 37,212.40 245.84 26,109.73 54.26 11,102.42 2,202.11 20,690.27
125 200.10 25,012.50 108.63 11,616.25 91.47 13,395.99 35,183.75 | 300.10 37,512.50 246.48 26,356.21 53.62 11,156.04 2,239.95 20,443.79
126 200.10 25,212.60 108.91 11,725.17 91.18 13,487.17 35,074.83 | 300.10 37,812.60 247.11 26,603.32 52.98 11,209.02 2,278.15 20,196.68
127 200.10 25,412.70 109.20 11,834.36 90.90 13,578.08 34,965.64 | 300.10 38,112.70 247.75 26,851.08 52.34 11,261.36 2,316.71 19,948.92
128 200.10 25,612.80 109.48 11,943.84 90.62 13,668.70 34,856.16 | 300.10 38,412.80 248.40 27,099.47 51.70 11,313.07 2,355.63 19,700.53
129 200.10 25,812.90 109.76 12,053.60 90.34 13,759.03 34,746.40 | 300.10 38,712.90 249.04 27,348.51 51.06 11,364.12 2,394.91 19,451.49
130 200.10 26,013.00 110.05 12,163.65 90.05 13,849.08 34,636.35 | 300.10 39,013.00 249.69 27,598.20 50.41 11,414.53 2,434.55 19,201.80
131 200.10 26,213.10 110.33 12,273.98 89.77 13,938.85 34,526.02 | 300.10 39,313.10 250.33 27,848.53 49.76 11,464.30 2,474.55 18,951.47
132 200.10 26,413.20 110.62 12,384.60 89.48 14,028.33 34,415.40 | 300.10 39,613.20 250.98 28,099.51 49.12 11,513.42 2,514.91 18,700.49
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
133 200.10 26,613.30 110.90 12,495.51 89.19 14,117.52 34,304.49 | 300.10 39,913.30 251.63 28,351.15 48.47 11,561.88 2,555.64 18,448.85
134 200.10 26,813.40 111.19 12,606.70 88.91 14,206.43 34,193.30 | 300.10 40,213.40 252.28 28,603.43 47.81 11,609.69 2,596.73 18,196.57
135 200.10 27,013.50 111.48 12,718.18 88.62 14,295.05 34,081.82 | 300.10 40,513.50 252.94 28,856.37 47.16 11,656.85 2,638.19 17,943.63
136 200.10 27,213.60 111.77 12,829.95 88.33 14,383.37 33,970.05 | 300.10 40,813.60 253.59 29,109.96 46.50 11,703.36 2,680.02 17,690.04
137 200.10 27,413.70 112.06 12,942.01 88.04 14,471.41 33,857.99 | 300.10 41,113.70 254.25 29,364.22 45.85 11,749.20 2,722.21 17,435.78
138 200.10 27,613.80 112.35 13,054.36 87.75 14,559.16 33,745.64 | 300.10 41,413.80 254.91 29,619.13 45.19 11,794.39 2,764.77 17,180.87
139 200.10 27,813.90 112.64 13,167.00 87.46 14,646.62 33,633.00 | 300.10 41,713.90 255.57 29,874.70 44.53 11,838.92 2,807.70 16,925.30
140 200.10 28,014.00 112.93 13,279.93 87.17 14,733.78 33,520.07 | 300.10 42,014.00 256.23 30,130.93 43.86 11,882.78 2,851.00 16,669.07
141 200.10 28,214.10 113.23 13,393.15 86.87 14,820.66 33,406.85 | 300.10 42,314.10 256.90 30,387.83 43.20 11,925.98 2,894.67 16,412.17
142 200.10 28,414.20 113.52 13,506.67 86.58 14,907.24 33,293.33 | 300.10 42,614.20 257.56 30,645.39 42.53 11,968.52 2,938.72 16,154.61
143 200.10 28,614.30 113.81 13,620.49 86.29 14,993.52 33,179.51 | 300.10 42,914.30 258.23 30,903.62 41.87 12,010.39 2,983.14 15,896.38
144 200.10 28,814.40 114.11 13,734.59 85.99 15,079.51 33,065.41 | 300.10 43,214.40 258.90 31,162.52 41.20 12,051.58 3,027.93 15,637.48
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
145 200.10 29,014.50 114.40 13,849.00 85.69 15,165.21 32,951.00 | 300.10 43,514.50 259.57 31,422.09 40.53 12,092.11 3,073.09 15,377.91
146 200.10 29,214.60 114.70 13,963.70 85.40 15,250.60 32,836.30 | 300.10 43,814.60 260.24 31,682.34 39.85 12,131.97 3,118.64 15,117.66
147 200.10 29,414.70 115.00 14,078.69 85.10 15,335.71 32,721.31 | 300.10 44,114.70 260.92 31,943.25 39.18 12,171.15 3,164.56 14,856.75
148 200.10 29,614.80 115.30 14,193.99 84.80 15,420.51 32,606.01 | 300.10 44,414.80 261.59 32,204.85 38.50 12,209.65 3,210.86 14,595.15
149 200.10 29,814.90 115.59 14,309.58 84.50 15,505.01 32,490.42 | 300.10 44,714.90 262.27 32,467.12 37.83 12,247.48 3,257.54 14,332.88
150 200.10 30,015.00 115.89 14,425.48 84.20 15,589.22 32,374.52 | 300.10 45,015.00 262.95 32,730.07 37.15 12,284.62 3,304.59 14,069.93
151 200.10 30,215.10 116.19 14,541.67 83.90 15,673.12 32,258.33 | 300.10 45,315.10 263.63 32,993.71 36.46 12,321.09 3,352.03 13,806.29
152 200.10 30,415.20 116.50 14,658.17 83.60 15,756.72 32,141.83 | 300.10 45,615.20 264.32 33,258.02 35.78 12,356.87 3,399.86 13,541.98
153 200.10 30,615.30 116.80 14,774.96 83.30 15,840.02 32,025.04 | 300.10 45,915.30 265.00 33,523.02 35.10 12,391.96 3,448.06 13,276.98
154 200.10 30,815.40 117.10 14,892.06 83.00 15,923.02 31,907.94 | 300.10 46,215.40 265.69 33,788.71 34.41 12,426.37 3,496.65 13,011.29
155 200.10 31,015.50 117.40 15,009.47 82.69 16,005.72 31,790.53 | 300.10 46,515.50 266.38 34,055.09 33.72 12,460.09 3,545.62 12,744.91
156 200.10 31,215.60 117.71 15,127.17 82.39 16,088.11 31,672.83 | 300.10 46,815.60 267.07 34,322.16 33.03 12,493.12 3,594.98 12,477.84
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
157 200.10 31,415.70 118.01 15,245.19 82.09 16,170.19 31,554.81 | 300.10 47,115.70 267.76 34,589.92 32.34 12,525.46 3,644.73 12,210.08
158 200.10 31,615.80 118.32 15,363.50 81.78 16,251.97 31,436.50 | 300.10 47,415.80 268.45 34,858.37 31.64 12,557.11 3,694.86 11,941.63
159 200.10 31,815.90 118.63 15,482.13 81.47 16,333.45 31,317.87 | 300.10 47,715.90 269.15 35,127.52 30.95 12,588.06 3,745.39 11,672.48
160 200.10 32,016.00 118.93 15,601.06 81.17 16,414.61 31,198.94 | 300.10 48,016.00 269.85 35,397.37 30.25 12,618.31 3,796.30 11,402.63
161 200.10 32,216.10 119.24 15,720.30 80.86 16,495.47 31,079.70 | 300.10 48,316.10 270.55 35,667.91 29.55 12,647.86 3,847.61 11,132.09
162 200.10 32,416.20 119.55 15,839.85 80.55 16,576.02 30,960.15 | 300.10 48,616.20 271.25 35,939.16 28.85 12,676.71 3,899.31 10,860.84
163 200.10 32,616.30 119.86 15,959.71 80.24 16,656.25 30,840.29 | 300.10 48,916.30 271.95 36,211.11 28.15 12,704.86 3,951.40 10,588.89
164 200.10 32,816.40 120.17 16,079.88 79.93 16,736.18 30,720.12 | 300.10 49,216.40 272.66 36,483.76 27.44 12,732.30 4,003.88 10,316.24
165 200.10 33,016.50 120.48 16,200.36 79.62 16,815.80 30,599.64 | 300.10 49,516.50 273.36 36,757.13 26.74 12,759.04 4,056.76 10,042.87
166 200.10 33,216.60 120.79 16,321.16 79.30 16,895.10 30,478.84 | 300.10 49,816.60 274.07 37,031.20 26.03 12,785.06 4,110.04 9,768.80
167 200.10 33,416.70 121.11 16,442.26 78.99 16,974.09 30,357.74 | 300.10 50,116.70 274.78 37,305.98 25.32 12,810.38 4,163.71 9,494.02
168 200.10 33,616.80 121.42 16,563.69 78.68 17,052.77 30,236.31 | 300.10 50,416.80 275.49 37,581.47 24.61 12,834.99 4,217.78 9,218.53
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
169 200.10 33,816.90 121.74 16,685.42 78.36 17,131.13 30,114.58 | 300.10 50,716.90 276.21 37,857.68 23.89 12,858.88 4,272.25 8,942.32
170 200.10 34,017.00 122.05 16,807.47 78.05 17,209.18 29,992.53 | 300.10 51,017.00 276.92 38,134.60 23.18 12,882.05 4,327.13 8,665.40
171 200.10 34,217.10 122.37 16,929.84 77.73 17,286.91 29,870.16 | 300.10 51,317.10 277.64 38,412.24 22.46 12,904.51 4,382.40 8,387.76
172 200.10 34,417.20 122.68 17,052.52 77.41 17,364.32 29,747.48 | 300.10 51,617.20 278.36 38,690.60 21.74 12,926.25 4,438.07 8,109.40
173 200.10 34,617.30 123.00 17,175.53 77.10 17,441.42 29,624.47 | 300.10 51,917.30 279.08 38,969.68 21.02 12,947.27 4,494.15 7,830.32
174 200.10 34,817.40 123.32 17,298.85 76.78 17,518.20 29,501.15 | 300.10 52,217.40 279.80 39,249.48 20.29 12,967.56 4,550.64 7,550.52
175 200.10 35,017.50 123.64 17,422.49 76.46 17,594.65 29,377.51 | 300.10 52,517.50 280.53 39,530.01 19.57 12,987.13 4,607.52 7,269.99
176 200.10 35,217.60 123.96 17,546.45 76.14 17,670.79 29,253.55 | 300.10 52,817.60 281.26 39,811.27 18.84 13,005.97 4,664.82 6,988.73
177 200.10 35,417.70 124.28 17,670.73 75.82 17,746.61 29,129.27 | 300.10 53,117.70 281.99 40,093.26 18.11 13,024.08 4,722.52 6,706.74
178 200.10 35,617.80 124.60 17,795.34 75.49 17,822.10 29,004.66 | 300.10 53,417.80 282.72 40,375.97 17.38 13,041.46 4,780.63 6,424.03
179 200.10 35,817.90 124.93 17,920.26 75.17 17,897.27 28,879.74 | 300.10 53,717.90 283.45 40,659.42 16.65 13,058.11 4,839.16 6,140.58
180 200.10 36,018.00 125.25 18,045.52 74.85 17,972.12 28,754.48 | 300.10 54,018.00 284.18 40,943.60 15.91 13,074.03 4,898.09 5,856.40
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
181 200.10 36,218.10 125.58 18,171.09 74.52 18,046.64 28,628.91 | 300.10 54,318.10 284.92 41,228.52 15.18 13,089.21 4,957.43 5,571.48
182 200.10 36,418.20 125.90 18,296.99 74.20 18,120.84 28,503.01 | 300.10 54,618.20 285.66 41,514.18 14.44 13,103.65 5,017.19 5,285.82
183 200.10 36,618.30 126.23 18,423.22 73.87 18,194.71 28,376.78 | 300.10 54,918.30 286.40 41,800.58 13.70 13,117.34 5,077.36 4,999.42
184 200.10 36,818.40 126.55 18,549.78 73.54 18,268.25 28,250.22 | 300.10 55,218.40 287.14 42,087.72 12.96 13,130.30 5,137.95 4,712.28
185 200.10 37,018.50 126.88 18,676.66 73.22 18,341.46 28,123.34 | 300.10 55,518.50 287.89 42,375.61 12.21 13,142.51 5,198.95 4,424.39
186 200.10 37,218.60 127.21 18,803.87 72.89 18,414.35 27,996.13 | 300.10 55,818.60 288.63 42,664.24 11.47 13,153.98 5,260.37 4,135.76
187 200.10 37,418.70 127.54 18,931.41 72.56 18,486.91 27,868.59 | 300.10 56,118.70 289.38 42,953.62 10.72 13,164.70 5,322.21 3,846.38
188 200.10 37,618.80 127.87 19,059.28 72.23 18,559.13 27,740.72 | 300.10 56,418.80 290.13 43,243.75 9.97 13,174.67 5,384.47 3,556.25
189 200.10 37,818.90 128.20 19,187.49 71.89 18,631.03 27,612.51 | 300.10 56,718.90 290.88 43,534.63 9.22 13,183.88 5,447.14 3,265.37
190 200.10 38,019.00 128.54 19,316.02 71.56 18,702.59 27,483.98 | 300.10 57,019.00 291.64 43,826.26 8.46 13,192.35 5,510.24 2,973.74
191 200.10 38,219.10 128.87 19,444.89 71.23 18,773.82 27,355.11 | 300.10 57,319.10 292.39 44,118.66 7.71 13,200.05 5,573.77 2,681.34
192 200.10 38,419.20 129.20 19,574.09 70.90 18,844.71 27,225.91 | 300.10 57,619.20 293.15 44,411.80 6.95 13,207.00 5,637.71 2,388.20
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
193 200.10 38,619.30 129.54 19,703.63 70.56 18,915.28 27,096.37 | 300.10 57,919.30 293.91 44,705.71 6.19 13,213.19 5,702.08 2,094.29
194 200.10 38,819.40 129.87 19,833.50 70.22 18,985.50 26,966.50 | 300.10 58,219.40 294.67 45,000.38 5.43 13,218.62 5,766.88 1,799.62
195 200.10 39,019.50 130.21 19,963.71 69.89 19,055.39 26,836.29 | 300.10 58,519.50 295.43 45,295.82 4.66 13,223.28 5,832.10 1,504.18
196 200.10 39,219.60 130.55 20,094.26 69.55 19,124.94 26,705.74 | 300.10 58,819.60 296.20 45,592.02 3.90 13,227.18 5,897.76 1,207.98
197 200.10 39,419.70 130.89 20,225.15 69.21 19,194.15 26,574.85 | 300.10 59,119.70 296.97 45,888.98 3.13 13,230.31 5,963.84 911.02
198 200.10 39,619.80 131.22 20,356.37 68.87 19,263.02 26,443.63 | 300.10 59,419.80 297.74 46,186.72 2.36 13,232.67 6,030.35 613.28
199 200.10 39,819.90 131.56 20,487.94 68.53 19,331.56 26,312.06 | 300.10 59,719.90 298.51 46,485.23 1.59 13,234.26 6,097.29 314.77
200 200.10 40,020.00 131.91 20,619.84 68.19 19,399.75 26,180.16 | 300.10 60,020.00 299.28 46,784.51 0.82 13,235.08 6,164.67 15.49
201 200.10 40,220.10 132.25 20,752.09 67.85 19,467.60 26,047.91 | 15.53 60,035.53 15.49 47,084.57 0.04 13,235.12 6,232.48 0.00

Loan Paid off in Year 17.

Total Interest Based on 30 Year Loan with No Extra Payment $25,235.26.

Total Interest Saved with Pre-Payment is $12,000.14