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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: $5,990

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
1 344.30 344.30 47.80 47.80 296.51 296.51 53,862.20 | 444.30 444.30 147.80 147.80 296.51 296.51 0.00 53,762.20
2 344.30 688.60 48.06 95.85 296.24 592.75 53,814.15 | 444.30 888.60 148.61 296.40 295.69 592.20 0.55 53,613.60
3 344.30 1,032.90 48.32 144.18 295.98 888.72 53,765.82 | 444.30 1,332.90 149.43 445.83 294.87 887.07 1.65 53,464.17
4 344.30 1,377.20 48.59 192.77 295.71 1,184.44 53,717.23 | 444.30 1,777.20 150.25 596.08 294.05 1,181.12 3.31 53,313.92
5 344.30 1,721.50 48.86 241.62 295.44 1,479.88 53,668.38 | 444.30 2,221.50 151.07 747.15 293.23 1,474.35 5.53 53,162.85
6 344.30 2,065.80 49.12 290.75 295.18 1,775.06 53,619.25 | 444.30 2,665.80 151.91 899.06 292.40 1,766.75 8.31 53,010.94
7 344.30 2,410.10 49.40 340.14 294.91 2,069.96 53,569.86 | 444.30 3,110.10 152.74 1,051.80 291.56 2,058.31 11.66 52,858.20
8 344.30 2,754.40 49.67 389.81 294.63 2,364.60 53,520.19 | 444.30 3,554.40 153.58 1,205.38 290.72 2,349.03 15.57 52,704.62
9 344.30 3,098.70 49.94 439.75 294.36 2,658.96 53,470.25 | 444.30 3,998.70 154.43 1,359.81 289.88 2,638.90 20.06 52,550.19
10 344.30 3,443.00 50.21 489.96 294.09 2,953.05 53,420.04 | 444.30 4,443.00 155.27 1,515.08 289.03 2,927.93 25.12 52,394.92
11 344.30 3,787.30 50.49 540.46 293.81 3,246.86 53,369.54 | 444.30 4,887.30 156.13 1,671.21 288.17 3,216.10 30.75 52,238.79
12 344.30 4,131.60 50.77 591.22 293.53 3,540.39 53,318.78 | 444.30 5,331.60 156.99 1,828.20 287.31 3,503.41 36.97 52,081.80
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
13 344.30 4,475.90 51.05 642.27 293.25 3,833.64 53,267.73 | 444.30 5,775.90 157.85 1,986.05 286.45 3,789.86 43.78 51,923.95
14 344.30 4,820.20 51.33 693.60 292.97 4,126.61 53,216.40 | 444.30 6,220.20 158.72 2,144.77 285.58 4,075.45 51.17 51,765.23
15 344.30 5,164.50 51.61 745.21 292.69 4,419.30 53,164.79 | 444.30 6,664.50 159.59 2,304.36 284.71 4,360.15 59.15 51,605.64
16 344.30 5,508.80 51.89 797.11 292.41 4,711.71 53,112.89 | 444.30 7,108.80 160.47 2,464.83 283.83 4,643.99 67.72 51,445.17
17 344.30 5,853.10 52.18 849.29 292.12 5,003.83 53,060.71 | 444.30 7,553.10 161.35 2,626.18 282.95 4,926.93 76.90 51,283.82
18 344.30 6,197.40 52.47 901.75 291.83 5,295.67 53,008.25 | 444.30 7,997.40 162.24 2,788.42 282.06 5,209.00 86.67 51,121.58
19 344.30 6,541.70 52.76 954.51 291.55 5,587.21 52,955.49 | 444.30 8,441.70 163.13 2,951.55 281.17 5,490.16 97.05 50,958.45
20 344.30 6,886.00 53.05 1,007.55 291.26 5,878.47 52,902.45 | 444.30 8,886.00 164.03 3,115.58 280.27 5,770.44 108.03 50,794.42
21 344.30 7,230.30 53.34 1,060.89 290.96 6,169.43 52,849.11 | 444.30 9,330.30 164.93 3,280.52 279.37 6,049.80 119.62 50,629.48
22 344.30 7,574.60 53.63 1,114.52 290.67 6,460.10 52,795.48 | 444.30 9,774.60 165.84 3,446.35 278.46 6,328.27 131.83 50,463.65
23 344.30 7,918.90 53.93 1,168.45 290.38 6,750.47 52,741.55 | 444.30 10,218.90 166.75 3,613.11 277.55 6,605.82 144.66 50,296.89
24 344.30 8,263.20 54.22 1,222.67 290.08 7,040.55 52,687.33 | 444.30 10,663.20 167.67 3,780.77 276.63 6,882.45 158.10 50,129.23
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
25 344.30 8,607.50 54.52 1,277.19 289.78 7,330.33 52,632.81 | 444.30 11,107.50 168.59 3,949.36 275.71 7,158.16 172.17 49,960.64
26 344.30 8,951.80 54.82 1,332.01 289.48 7,619.81 52,577.99 | 444.30 11,551.80 169.52 4,118.88 274.78 7,432.94 186.87 49,791.12
27 344.30 9,296.10 55.12 1,387.13 289.18 7,908.99 52,522.87 | 444.30 11,996.10 170.45 4,289.33 273.85 7,706.80 202.20 49,620.67
28 344.30 9,640.40 55.43 1,442.56 288.88 8,197.87 52,467.44 | 444.30 12,440.40 171.39 4,460.72 272.91 7,979.71 218.16 49,449.28
29 344.30 9,984.70 55.73 1,498.29 288.57 8,486.44 52,411.71 | 444.30 12,884.70 172.33 4,633.05 271.97 8,251.68 234.76 49,276.95
30 344.30 10,329.00 56.04 1,554.33 288.26 8,774.70 52,355.67 | 444.30 13,329.00 173.28 4,806.33 271.02 8,522.70 252.00 49,103.67
31 344.30 10,673.30 56.34 1,610.67 287.96 9,062.66 52,299.33 | 444.30 13,773.30 174.23 4,980.56 270.07 8,792.77 269.89 48,929.44
32 344.30 11,017.60 56.65 1,667.32 287.65 9,350.31 52,242.68 | 444.30 14,217.60 175.19 5,155.75 269.11 9,061.89 288.42 48,754.25
33 344.30 11,361.90 56.97 1,724.29 287.33 9,637.64 52,185.71 | 444.30 14,661.90 176.15 5,331.90 268.15 9,330.03 307.61 48,578.10
34 344.30 11,706.20 57.28 1,781.57 287.02 9,924.66 52,128.43 | 444.30 15,106.20 177.12 5,509.02 267.18 9,597.21 327.45 48,400.98
35 344.30 12,050.50 57.59 1,839.17 286.71 10,211.37 52,070.83 | 444.30 15,550.50 178.10 5,687.12 266.21 9,863.42 347.95 48,222.88
36 344.30 12,394.80 57.91 1,897.08 286.39 10,497.76 52,012.92 | 444.30 15,994.80 179.08 5,866.19 265.23 10,128.64 369.11 48,043.81
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
37 344.30 12,739.10 58.23 1,955.31 286.07 10,783.83 51,954.69 | 444.30 16,439.10 180.06 6,046.25 264.24 10,392.89 390.94 47,863.75
38 344.30 13,083.40 58.55 2,013.86 285.75 11,069.58 51,896.14 | 444.30 16,883.40 181.05 6,227.30 263.25 10,656.14 413.44 47,682.70
39 344.30 13,427.70 58.87 2,072.73 285.43 11,355.01 51,837.27 | 444.30 17,327.70 182.05 6,409.35 262.25 10,918.39 436.62 47,500.65
40 344.30 13,772.00 59.20 2,131.92 285.10 11,640.11 51,778.08 | 444.30 17,772.00 183.05 6,592.39 261.25 11,179.64 460.47 47,317.61
41 344.30 14,116.30 59.52 2,191.45 284.78 11,924.89 51,718.55 | 444.30 18,216.30 184.05 6,776.45 260.25 11,439.89 485.00 47,133.55
42 344.30 14,460.60 59.85 2,251.30 284.45 12,209.35 51,658.70 | 444.30 18,660.60 185.07 6,961.51 259.23 11,699.13 510.22 46,948.49
43 344.30 14,804.90 60.18 2,311.47 284.12 12,493.47 51,598.53 | 444.30 19,104.90 186.08 7,147.60 258.22 11,957.34 536.13 46,762.40
44 344.30 15,149.20 60.51 2,371.98 283.79 12,777.26 51,538.02 | 444.30 19,549.20 187.11 7,334.71 257.19 12,214.54 562.72 46,575.29
45 344.30 15,493.50 60.84 2,432.82 283.46 13,060.72 51,477.18 | 444.30 19,993.50 188.14 7,522.84 256.16 12,470.70 590.02 46,387.16
46 344.30 15,837.80 61.18 2,494.00 283.12 13,343.84 51,416.00 | 444.30 20,437.80 189.17 7,712.02 255.13 12,725.83 618.01 46,197.98
47 344.30 16,182.10 61.51 2,555.51 282.79 13,626.63 51,354.49 | 444.30 20,882.10 190.21 7,902.23 254.09 12,979.92 646.71 46,007.77
48 344.30 16,526.40 61.85 2,617.36 282.45 13,909.08 51,292.64 | 444.30 21,326.40 191.26 8,093.49 253.04 13,232.96 676.12 45,816.51
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
49 344.30 16,870.70 62.19 2,679.56 282.11 14,191.19 51,230.44 | 444.30 21,770.70 192.31 8,285.80 251.99 13,484.95 706.24 45,624.20
50 344.30 17,215.00 62.53 2,742.09 281.77 14,472.96 51,167.91 | 444.30 22,215.00 193.37 8,479.16 250.93 13,735.88 737.07 45,430.84
51 344.30 17,559.30 62.88 2,804.97 281.42 14,754.38 51,105.03 | 444.30 22,659.30 194.43 8,673.60 249.87 13,985.75 768.63 45,236.40
52 344.30 17,903.60 63.22 2,868.19 281.08 15,035.46 51,041.81 | 444.30 23,103.60 195.50 8,869.10 248.80 14,234.55 800.91 45,040.90
53 344.30 18,247.90 63.57 2,931.76 280.73 15,316.19 50,978.24 | 444.30 23,547.90 196.58 9,065.67 247.72 14,482.28 833.91 44,844.33
54 344.30 18,592.20 63.92 2,995.68 280.38 15,596.57 50,914.32 | 444.30 23,992.20 197.66 9,263.33 246.64 14,728.92 867.65 44,646.67
55 344.30 18,936.50 64.27 3,059.95 280.03 15,876.60 50,850.05 | 444.30 24,436.50 198.74 9,462.07 245.56 14,974.48 902.12 44,447.93
56 344.30 19,280.80 64.63 3,124.58 279.68 16,156.27 50,785.42 | 444.30 24,880.80 199.84 9,661.91 244.46 15,218.94 937.33 44,248.09
57 344.30 19,625.10 64.98 3,189.56 279.32 16,435.59 50,720.44 | 444.30 25,325.10 200.94 9,862.85 243.36 15,462.31 973.29 44,047.15
58 344.30 19,969.40 65.34 3,254.90 278.96 16,714.56 50,655.10 | 444.30 25,769.40 202.04 10,064.89 242.26 15,704.57 1,009.99 43,845.11
59 344.30 20,313.70 65.70 3,320.60 278.60 16,993.16 50,589.40 | 444.30 26,213.70 203.15 10,268.04 241.15 15,945.72 1,047.44 43,641.96
60 344.30 20,658.00 66.06 3,386.66 278.24 17,271.40 50,523.34 | 444.30 26,658.00 204.27 10,472.31 240.03 16,185.75 1,085.65 43,437.69
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
61 344.30 21,002.30 66.42 3,453.08 277.88 17,549.28 50,456.92 | 444.30 27,102.30 205.39 10,677.71 238.91 16,424.65 1,124.63 43,232.29
62 344.30 21,346.60 66.79 3,519.87 277.51 17,826.79 50,390.13 | 444.30 27,546.60 206.52 10,884.23 237.78 16,662.43 1,164.36 43,025.77
63 344.30 21,690.90 67.16 3,587.02 277.15 18,103.94 50,322.98 | 444.30 27,990.90 207.66 11,091.89 236.64 16,899.07 1,204.87 42,818.11
64 344.30 22,035.20 67.52 3,654.55 276.78 18,380.71 50,255.45 | 444.30 28,435.20 208.80 11,300.69 235.50 17,134.57 1,246.14 42,609.31
65 344.30 22,379.50 67.90 3,722.44 276.40 18,657.12 50,187.56 | 444.30 28,879.50 209.95 11,510.64 234.35 17,368.92 1,288.20 42,399.36
66 344.30 22,723.80 68.27 3,790.71 276.03 18,933.15 50,119.29 | 444.30 29,323.80 211.10 11,721.74 233.20 17,602.12 1,331.03 42,188.26
67 344.30 23,068.10 68.64 3,859.36 275.66 19,208.81 50,050.64 | 444.30 29,768.10 212.27 11,934.01 232.04 17,834.16 1,374.65 41,975.99
68 344.30 23,412.40 69.02 3,928.38 275.28 19,484.09 49,981.62 | 444.30 30,212.40 213.43 12,147.44 230.87 18,065.02 1,419.06 41,762.56
69 344.30 23,756.70 69.40 3,997.78 274.90 19,758.98 49,912.22 | 444.30 30,656.70 214.61 12,362.05 229.69 18,294.72 1,464.27 41,547.95
70 344.30 24,101.00 69.78 4,067.57 274.52 20,033.50 49,842.43 | 444.30 31,101.00 215.79 12,577.84 228.51 18,523.23 1,510.27 41,332.16
71 344.30 24,445.30 70.17 4,137.73 274.13 20,307.64 49,772.27 | 444.30 31,545.30 216.97 12,794.81 227.33 18,750.56 1,557.08 41,115.19
72 344.30 24,789.60 70.55 4,208.29 273.75 20,581.38 49,701.71 | 444.30 31,989.60 218.17 13,012.98 226.13 18,976.69 1,604.69 40,897.02
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
73 344.30 25,133.90 70.94 4,279.23 273.36 20,854.74 49,630.77 | 444.30 32,433.90 219.37 13,232.35 224.93 19,201.63 1,653.12 40,677.65
74 344.30 25,478.20 71.33 4,350.56 272.97 21,127.71 49,559.44 | 444.30 32,878.20 220.57 13,452.92 223.73 19,425.35 1,702.36 40,457.08
75 344.30 25,822.50 71.72 4,422.28 272.58 21,400.29 49,487.72 | 444.30 33,322.50 221.79 13,674.71 222.51 19,647.87 1,752.42 40,235.29
76 344.30 26,166.80 72.12 4,494.40 272.18 21,672.47 49,415.60 | 444.30 33,766.80 223.01 13,897.71 221.29 19,869.16 1,803.31 40,012.29
77 344.30 26,511.10 72.52 4,566.92 271.79 21,944.26 49,343.08 | 444.30 34,211.10 224.23 14,121.95 220.07 20,089.23 1,855.03 39,788.05
78 344.30 26,855.40 72.91 4,639.83 271.39 22,215.64 49,270.17 | 444.30 34,655.40 225.47 14,347.41 218.83 20,308.06 1,907.58 39,562.59
79 344.30 27,199.70 73.32 4,713.15 270.99 22,486.63 49,196.85 | 444.30 35,099.70 226.71 14,574.12 217.59 20,525.66 1,960.97 39,335.88
80 344.30 27,544.00 73.72 4,786.87 270.58 22,757.21 49,123.13 | 444.30 35,544.00 227.95 14,802.07 216.35 20,742.00 2,015.21 39,107.93
81 344.30 27,888.30 74.12 4,860.99 270.18 23,027.39 49,049.01 | 444.30 35,988.30 229.21 15,031.28 215.09 20,957.10 2,070.29 38,878.72
82 344.30 28,232.60 74.53 4,935.52 269.77 23,297.16 48,974.48 | 444.30 36,432.60 230.47 15,261.75 213.83 21,170.93 2,126.23 38,648.25
83 344.30 28,576.90 74.94 5,010.46 269.36 23,566.52 48,899.54 | 444.30 36,876.90 231.74 15,493.48 212.57 21,383.50 2,183.02 38,416.52
84 344.30 28,921.20 75.35 5,085.82 268.95 23,835.47 48,824.18 | 444.30 37,321.20 233.01 15,726.49 211.29 21,594.79 2,240.68 38,183.51
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
85 344.30 29,265.50 75.77 5,161.58 268.53 24,104.00 48,748.42 | 444.30 37,765.50 234.29 15,960.79 210.01 21,804.80 2,299.20 37,949.21
86 344.30 29,609.80 76.18 5,237.77 268.12 24,372.12 48,672.23 | 444.30 38,209.80 235.58 16,196.37 208.72 22,013.52 2,358.60 37,713.63
87 344.30 29,954.10 76.60 5,314.37 267.70 24,639.81 48,595.63 | 444.30 38,654.10 236.88 16,433.24 207.42 22,220.94 2,418.87 37,476.76
88 344.30 30,298.40 77.03 5,391.40 267.28 24,907.09 48,518.60 | 444.30 39,098.40 238.18 16,671.42 206.12 22,427.06 2,480.02 37,238.58
89 344.30 30,642.70 77.45 5,468.85 266.85 25,173.94 48,441.15 | 444.30 39,542.70 239.49 16,910.91 204.81 22,631.88 2,542.06 36,999.09
90 344.30 30,987.00 77.87 5,546.72 266.43 25,440.37 48,363.28 | 444.30 39,987.00 240.81 17,151.72 203.49 22,835.37 2,605.00 36,758.28
91 344.30 31,331.30 78.30 5,625.02 266.00 25,706.37 48,284.98 | 444.30 40,431.30 242.13 17,393.85 202.17 23,037.54 2,668.82 36,516.15
92 344.30 31,675.60 78.73 5,703.76 265.57 25,971.93 48,206.24 | 444.30 40,875.60 243.46 17,637.31 200.84 23,238.38 2,733.55 36,272.69
93 344.30 32,019.90 79.17 5,782.92 265.13 26,237.07 48,127.08 | 444.30 41,319.90 244.80 17,882.11 199.50 23,437.88 2,799.19 36,027.89
94 344.30 32,364.20 79.60 5,862.53 264.70 26,501.77 48,047.47 | 444.30 41,764.20 246.15 18,128.26 198.15 23,636.03 2,865.73 35,781.74
95 344.30 32,708.50 80.04 5,942.57 264.26 26,766.03 47,967.43 | 444.30 42,208.50 247.50 18,375.76 196.80 23,832.83 2,933.19 35,534.24
96 344.30 33,052.80 80.48 6,023.05 263.82 27,029.85 47,886.95 | 444.30 42,652.80 248.86 18,624.62 195.44 24,028.27 3,001.58 35,285.38
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
97 344.30 33,397.10 80.92 6,103.97 263.38 27,293.23 47,806.03 | 444.30 43,097.10 250.23 18,874.85 194.07 24,222.34 3,070.88 35,035.15
98 344.30 33,741.40 81.37 6,185.34 262.93 27,556.16 47,724.66 | 444.30 43,541.40 251.61 19,126.46 192.69 24,415.03 3,141.12 34,783.54
99 344.30 34,085.70 81.82 6,267.15 262.49 27,818.64 47,642.85 | 444.30 43,985.70 252.99 19,379.45 191.31 24,606.34 3,212.30 34,530.55
100 344.30 34,430.00 82.27 6,349.42 262.04 28,080.68 47,560.58 | 444.30 44,430.00 254.38 19,633.83 189.92 24,796.26 3,284.42 34,276.17
101 344.30 34,774.30 82.72 6,432.13 261.58 28,342.26 47,477.87 | 444.30 44,874.30 255.78 19,889.62 188.52 24,984.78 3,357.48 34,020.38
102 344.30 35,118.60 83.17 6,515.31 261.13 28,603.39 47,394.69 | 444.30 45,318.60 257.19 20,146.81 187.11 25,171.89 3,431.50 33,763.19
103 344.30 35,462.90 83.63 6,598.94 260.67 28,864.06 47,311.06 | 444.30 45,762.90 258.60 20,405.41 185.70 25,357.59 3,506.47 33,504.59
104 344.30 35,807.20 84.09 6,683.03 260.21 29,124.27 47,226.97 | 444.30 46,207.20 260.03 20,665.43 184.28 25,541.87 3,582.41 33,244.57
105 344.30 36,151.50 84.55 6,767.58 259.75 29,384.02 47,142.42 | 444.30 46,651.50 261.46 20,926.89 182.85 25,724.71 3,659.31 32,983.11
106 344.30 36,495.80 85.02 6,852.60 259.28 29,643.31 47,057.40 | 444.30 47,095.80 262.89 21,189.78 181.41 25,906.12 3,737.19 32,720.22
107 344.30 36,840.10 85.49 6,938.08 258.82 29,902.12 46,971.92 | 444.30 47,540.10 264.34 21,454.12 179.96 26,086.08 3,816.04 32,455.88
108 344.30 37,184.40 85.96 7,024.04 258.35 30,160.47 46,885.96 | 444.30 47,984.40 265.79 21,719.92 178.51 26,264.59 3,895.88 32,190.08
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
109 344.30 37,528.70 86.43 7,110.47 257.87 30,418.34 46,799.53 | 444.30 48,428.70 267.26 21,987.17 177.05 26,441.63 3,976.71 31,922.83
110 344.30 37,873.00 86.90 7,197.37 257.40 30,675.74 46,712.63 | 444.30 48,873.00 268.73 22,255.90 175.58 26,617.21 4,058.53 31,654.10
111 344.30 38,217.30 87.38 7,284.75 256.92 30,932.66 46,625.25 | 444.30 49,317.30 270.20 22,526.10 174.10 26,791.31 4,141.35 31,383.90
112 344.30 38,561.60 87.86 7,372.61 256.44 31,189.10 46,537.39 | 444.30 49,761.60 271.69 22,797.79 172.61 26,963.92 4,225.18 31,112.21
113 344.30 38,905.90 88.35 7,460.96 255.96 31,445.05 46,449.04 | 444.30 50,205.90 273.18 23,070.98 171.12 27,135.03 4,310.02 30,839.02
114 344.30 39,250.20 88.83 7,549.79 255.47 31,700.52 46,360.21 | 444.30 50,650.20 274.69 23,345.66 169.61 27,304.65 4,395.87 30,564.34
115 344.30 39,594.50 89.32 7,639.11 254.98 31,955.50 46,270.89 | 444.30 51,094.50 276.20 23,621.86 168.10 27,472.75 4,482.75 30,288.14
116 344.30 39,938.80 89.81 7,728.92 254.49 32,209.99 46,181.08 | 444.30 51,538.80 277.72 23,899.58 166.58 27,639.34 4,570.65 30,010.42
117 344.30 40,283.10 90.31 7,819.23 254.00 32,463.99 46,090.77 | 444.30 51,983.10 279.24 24,178.82 165.06 27,804.39 4,659.59 29,731.18
118 344.30 40,627.40 90.80 7,910.03 253.50 32,717.49 45,999.97 | 444.30 52,427.40 280.78 24,459.60 163.52 27,967.92 4,749.57 29,450.40
119 344.30 40,971.70 91.30 8,001.33 253.00 32,970.49 45,908.67 | 444.30 52,871.70 282.32 24,741.92 161.98 28,129.89 4,840.59 29,168.08
120 344.30 41,316.00 91.80 8,093.13 252.50 33,222.98 45,816.87 | 444.30 53,316.00 283.88 25,025.80 160.42 28,290.32 4,932.67 28,884.20
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
121 344.30 41,660.30 92.31 8,185.44 251.99 33,474.98 45,724.56 | 444.30 53,760.30 285.44 25,311.24 158.86 28,449.18 5,025.80 28,598.76
122 344.30 42,004.60 92.82 8,278.26 251.49 33,726.46 45,631.74 | 444.30 54,204.60 287.01 25,598.24 157.29 28,606.47 5,119.99 28,311.76
123 344.30 42,348.90 93.33 8,371.58 250.97 33,977.44 45,538.42 | 444.30 54,648.90 288.59 25,886.83 155.71 28,762.19 5,215.25 28,023.17
124 344.30 42,693.20 93.84 8,465.42 250.46 34,227.90 45,444.58 | 444.30 55,093.20 290.17 26,177.00 154.13 28,916.32 5,311.58 27,733.00
125 344.30 43,037.50 94.36 8,559.78 249.95 34,477.84 45,350.22 | 444.30 55,537.50 291.77 26,468.77 152.53 29,068.85 5,409.00 27,441.23
126 344.30 43,381.80 94.87 8,654.65 249.43 34,727.27 45,255.35 | 444.30 55,981.80 293.37 26,762.15 150.93 29,219.77 5,507.50 27,147.85
127 344.30 43,726.10 95.40 8,750.05 248.90 34,976.17 45,159.95 | 444.30 56,426.10 294.99 27,057.14 149.31 29,369.09 5,607.09 26,852.86
128 344.30 44,070.40 95.92 8,845.97 248.38 35,224.55 45,064.03 | 444.30 56,870.40 296.61 27,353.75 147.69 29,516.78 5,707.78 26,556.25
129 344.30 44,414.70 96.45 8,942.42 247.85 35,472.41 44,967.58 | 444.30 57,314.70 298.24 27,651.99 146.06 29,662.84 5,809.57 26,258.01
130 344.30 44,759.00 96.98 9,039.40 247.32 35,719.73 44,870.60 | 444.30 57,759.00 299.88 27,951.87 144.42 29,807.26 5,912.47 25,958.13
131 344.30 45,103.30 97.51 9,136.91 246.79 35,966.52 44,773.09 | 444.30 58,203.30 301.53 28,253.40 142.77 29,950.03 6,016.49 25,656.60
132 344.30 45,447.60 98.05 9,234.96 246.25 36,212.77 44,675.04 | 444.30 58,647.60 303.19 28,556.59 141.11 30,091.14 6,121.63 25,353.41
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
133 344.30 45,791.90 98.59 9,333.55 245.71 36,458.48 44,576.45 | 444.30 59,091.90 304.86 28,861.45 139.44 30,230.58 6,227.90 25,048.55
134 344.30 46,136.20 99.13 9,432.68 245.17 36,703.65 44,477.32 | 444.30 59,536.20 306.53 29,167.98 137.77 30,368.35 6,335.30 24,742.02
135 344.30 46,480.50 99.68 9,532.35 244.63 36,948.28 44,377.65 | 444.30 59,980.50 308.22 29,476.20 136.08 30,504.43 6,443.85 24,433.80
136 344.30 46,824.80 100.22 9,632.58 244.08 37,192.35 44,277.42 | 444.30 60,424.80 309.92 29,786.12 134.39 30,638.82 6,553.54 24,123.88
137 344.30 47,169.10 100.78 9,733.35 243.53 37,435.88 44,176.65 | 444.30 60,869.10 311.62 30,097.74 132.68 30,771.50 6,664.38 23,812.26
138 344.30 47,513.40 101.33 9,834.68 242.97 37,678.85 44,075.32 | 444.30 61,313.40 313.33 30,411.07 130.97 30,902.46 6,776.39 23,498.93
139 344.30 47,857.70 101.89 9,936.57 242.41 37,921.26 43,973.43 | 444.30 61,757.70 315.06 30,726.13 129.24 31,031.71 6,889.56 23,183.87
140 344.30 48,202.00 102.45 10,039.02 241.85 38,163.12 43,870.98 | 444.30 62,202.00 316.79 31,042.92 127.51 31,159.22 7,003.90 22,867.08
141 344.30 48,546.30 103.01 10,142.03 241.29 38,404.41 43,767.97 | 444.30 62,646.30 318.53 31,361.45 125.77 31,284.99 7,119.42 22,548.55
142 344.30 48,890.60 103.58 10,245.60 240.72 38,645.13 43,664.40 | 444.30 63,090.60 320.28 31,681.73 124.02 31,409.01 7,236.13 22,228.27
143 344.30 49,234.90 104.15 10,349.75 240.15 38,885.29 43,560.25 | 444.30 63,534.90 322.05 32,003.78 122.26 31,531.26 7,354.03 21,906.22
144 344.30 49,579.20 104.72 10,454.47 239.58 39,124.87 43,455.53 | 444.30 63,979.20 323.82 32,327.59 120.48 31,651.75 7,473.12 21,582.41
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
145 344.30 49,923.50 105.30 10,559.77 239.01 39,363.87 43,350.23 | 444.30 64,423.50 325.60 32,653.19 118.70 31,770.45 7,593.43 21,256.81
146 344.30 50,267.80 105.87 10,665.64 238.43 39,602.30 43,244.36 | 444.30 64,867.80 327.39 32,980.58 116.91 31,887.36 7,714.94 20,929.42
147 344.30 50,612.10 106.46 10,772.10 237.84 39,840.14 43,137.90 | 444.30 65,312.10 329.19 33,309.77 115.11 32,002.47 7,837.67 20,600.23
148 344.30 50,956.40 107.04 10,879.14 237.26 40,077.40 43,030.86 | 444.30 65,756.40 331.00 33,640.77 113.30 32,115.77 7,961.63 20,269.23
149 344.30 51,300.70 107.63 10,986.77 236.67 40,314.07 42,923.23 | 444.30 66,200.70 332.82 33,973.59 111.48 32,227.25 8,086.82 19,936.41
150 344.30 51,645.00 108.22 11,095.00 236.08 40,550.15 42,815.00 | 444.30 66,645.00 334.65 34,308.24 109.65 32,336.90 8,213.25 19,601.76
151 344.30 51,989.30 108.82 11,203.81 235.48 40,785.63 42,706.19 | 444.30 67,089.30 336.49 34,644.73 107.81 32,444.71 8,340.92 19,265.27
152 344.30 52,333.60 109.42 11,313.23 234.88 41,020.52 42,596.77 | 444.30 67,533.60 338.34 34,983.07 105.96 32,550.67 8,469.84 18,926.93
153 344.30 52,677.90 110.02 11,423.25 234.28 41,254.80 42,486.75 | 444.30 67,977.90 340.20 35,323.28 104.10 32,654.77 8,600.03 18,586.72
154 344.30 53,022.20 110.62 11,533.87 233.68 41,488.48 42,376.13 | 444.30 68,422.20 342.07 35,665.35 102.23 32,757.00 8,731.48 18,244.65
155 344.30 53,366.50 111.23 11,645.11 233.07 41,721.54 42,264.89 | 444.30 68,866.50 343.96 36,009.31 100.35 32,857.34 8,864.20 17,900.69
156 344.30 53,710.80 111.84 11,756.95 232.46 41,954.00 42,153.05 | 444.30 69,310.80 345.85 36,355.15 98.45 32,955.80 8,998.20 17,554.85
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
157 344.30 54,055.10 112.46 11,869.41 231.84 42,185.84 42,040.59 | 444.30 69,755.10 347.75 36,702.90 96.55 33,052.35 9,133.49 17,207.10
158 344.30 54,399.40 113.08 11,982.49 231.22 42,417.07 41,927.51 | 444.30 70,199.40 349.66 37,052.56 94.64 33,146.99 9,270.08 16,857.44
159 344.30 54,743.70 113.70 12,096.19 230.60 42,647.67 41,813.81 | 444.30 70,643.70 351.59 37,404.15 92.72 33,239.70 9,407.96 16,505.85
160 344.30 55,088.00 114.32 12,210.51 229.98 42,877.64 41,699.49 | 444.30 71,088.00 353.52 37,757.67 90.78 33,330.49 9,547.16 16,152.33
161 344.30 55,432.30 114.95 12,325.46 229.35 43,106.99 41,584.54 | 444.30 71,532.30 355.46 38,113.13 88.84 33,419.32 9,687.67 15,796.87
162 344.30 55,776.60 115.59 12,441.05 228.71 43,335.71 41,468.95 | 444.30 71,976.60 357.42 38,470.55 86.88 33,506.21 9,829.50 15,439.45
163 344.30 56,120.90 116.22 12,557.27 228.08 43,563.79 41,352.73 | 444.30 72,420.90 359.38 38,829.93 84.92 33,591.12 9,972.66 15,080.07
164 344.30 56,465.20 116.86 12,674.13 227.44 43,791.23 41,235.87 | 444.30 72,865.20 361.36 39,191.29 82.94 33,674.06 10,117.16 14,718.71
165 344.30 56,809.50 117.50 12,791.64 226.80 44,018.02 41,118.36 | 444.30 73,309.50 363.35 39,554.64 80.95 33,755.02 10,263.00 14,355.36
166 344.30 57,153.80 118.15 12,909.79 226.15 44,244.17 41,000.21 | 444.30 73,753.80 365.35 39,919.99 78.95 33,833.97 10,410.20 13,990.01
167 344.30 57,498.10 118.80 13,028.59 225.50 44,469.67 40,881.41 | 444.30 74,198.10 367.36 40,287.34 76.95 33,910.92 10,558.76 13,622.66
168 344.30 57,842.40 119.45 13,148.04 224.85 44,694.52 40,761.96 | 444.30 74,642.40 369.38 40,656.72 74.92 33,985.84 10,708.68 13,253.28
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
169 344.30 58,186.70 120.11 13,268.15 224.19 44,918.71 40,641.85 | 444.30 75,086.70 371.41 41,028.13 72.89 34,058.73 10,859.98 12,881.87
170 344.30 58,531.00 120.77 13,388.92 223.53 45,142.24 40,521.08 | 444.30 75,531.00 373.45 41,401.58 70.85 34,129.59 11,012.66 12,508.42
171 344.30 58,875.30 121.44 13,510.36 222.87 45,365.11 40,399.64 | 444.30 75,975.30 375.50 41,777.08 68.80 34,198.38 11,166.73 12,132.92
172 344.30 59,219.60 122.10 13,632.46 222.20 45,587.31 40,277.54 | 444.30 76,419.60 377.57 42,154.65 66.73 34,265.11 11,322.19 11,755.35
173 344.30 59,563.90 122.77 13,755.23 221.53 45,808.83 40,154.77 | 444.30 76,863.90 379.65 42,534.30 64.65 34,329.77 11,479.07 11,375.70
174 344.30 59,908.20 123.45 13,878.68 220.85 46,029.68 40,031.32 | 444.30 77,308.20 381.73 42,916.04 62.57 34,392.33 11,637.35 10,993.96
175 344.30 60,252.50 124.13 14,002.81 220.17 46,249.86 39,907.19 | 444.30 77,752.50 383.83 43,299.87 60.47 34,452.80 11,797.06 10,610.13
176 344.30 60,596.80 124.81 14,127.62 219.49 46,469.35 39,782.38 | 444.30 78,196.80 385.95 43,685.81 58.36 34,511.16 11,958.19 10,224.19
177 344.30 60,941.10 125.50 14,253.12 218.80 46,688.15 39,656.88 | 444.30 78,641.10 388.07 44,073.88 56.23 34,567.39 12,120.76 9,836.12
178 344.30 61,285.40 126.19 14,379.31 218.11 46,906.26 39,530.69 | 444.30 79,085.40 390.20 44,464.09 54.10 34,621.49 12,284.78 9,445.91
179 344.30 61,629.70 126.88 14,506.19 217.42 47,123.68 39,403.81 | 444.30 79,529.70 392.35 44,856.43 51.95 34,673.44 12,450.24 9,053.57
180 344.30 61,974.00 127.58 14,633.77 216.72 47,340.40 39,276.23 | 444.30 79,974.00 394.51 45,250.94 49.79 34,723.23 12,617.17 8,659.06
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
181 344.30 62,318.30 128.28 14,762.05 216.02 47,556.42 39,147.95 | 444.30 80,418.30 396.68 45,647.62 47.62 34,770.86 12,785.56 8,262.38
182 344.30 62,662.60 128.99 14,891.04 215.31 47,771.74 39,018.96 | 444.30 80,862.60 398.86 46,046.47 45.44 34,816.30 12,955.43 7,863.53
183 344.30 63,006.90 129.70 15,020.74 214.60 47,986.34 38,889.26 | 444.30 81,306.90 401.05 46,447.53 43.25 34,859.55 13,126.79 7,462.47
184 344.30 63,351.20 130.41 15,151.15 213.89 48,200.23 38,758.85 | 444.30 81,751.20 403.26 46,850.78 41.04 34,900.60 13,299.64 7,059.22
185 344.30 63,695.50 131.13 15,282.27 213.17 48,413.40 38,627.73 | 444.30 82,195.50 405.48 47,256.26 38.83 34,939.42 13,473.98 6,653.74
186 344.30 64,039.80 131.85 15,414.12 212.45 48,625.86 38,495.88 | 444.30 82,639.80 407.71 47,663.96 36.60 34,976.02 13,649.84 6,246.04
187 344.30 64,384.10 132.57 15,546.70 211.73 48,837.58 38,363.30 | 444.30 83,084.10 409.95 48,073.91 34.35 35,010.37 13,827.21 5,836.09
188 344.30 64,728.40 133.30 15,680.00 211.00 49,048.58 38,230.00 | 444.30 83,528.40 412.20 48,486.11 32.10 35,042.47 14,006.11 5,423.89
189 344.30 65,072.70 134.04 15,814.04 210.27 49,258.85 38,095.96 | 444.30 83,972.70 414.47 48,900.58 29.83 35,072.30 14,186.55 5,009.42
190 344.30 65,417.00 134.77 15,948.81 209.53 49,468.38 37,961.19 | 444.30 84,417.00 416.75 49,317.33 27.55 35,099.85 14,368.52 4,592.67
191 344.30 65,761.30 135.51 16,084.32 208.79 49,677.16 37,825.68 | 444.30 84,861.30 419.04 49,736.37 25.26 35,125.11 14,552.05 4,173.63
192 344.30 66,105.60 136.26 16,220.58 208.04 49,885.20 37,689.42 | 444.30 85,305.60 421.35 50,157.72 22.95 35,148.07 14,737.14 3,752.28
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
193 344.30 66,449.90 137.01 16,357.59 207.29 50,092.49 37,552.41 | 444.30 85,749.90 423.66 50,581.38 20.64 35,168.70 14,923.79 3,328.62
194 344.30 66,794.20 137.76 16,495.36 206.54 50,299.03 37,414.64 | 444.30 86,194.20 425.99 51,007.38 18.31 35,187.01 15,112.02 2,902.62
195 344.30 67,138.50 138.52 16,633.88 205.78 50,504.81 37,276.12 | 444.30 86,638.50 428.34 51,435.71 15.96 35,202.98 15,301.84 2,474.29
196 344.30 67,482.80 139.28 16,773.16 205.02 50,709.83 37,136.84 | 444.30 87,082.80 430.69 51,866.41 13.61 35,216.58 15,493.25 2,043.59
197 344.30 67,827.10 140.05 16,913.21 204.25 50,914.08 36,996.79 | 444.30 87,527.10 433.06 52,299.47 11.24 35,227.82 15,686.26 1,610.53
198 344.30 68,171.40 140.82 17,054.02 203.48 51,117.57 36,855.98 | 444.30 87,971.40 435.44 52,734.91 8.86 35,236.68 15,880.89 1,175.09
199 344.30 68,515.70 141.59 17,195.62 202.71 51,320.27 36,714.38 | 444.30 88,415.70 437.84 53,172.75 6.46 35,243.14 16,077.13 737.25
200 344.30 68,860.00 142.37 17,337.99 201.93 51,522.20 36,572.01 | 444.30 88,860.00 440.25 53,612.99 4.05 35,247.20 16,275.00 297.01
201 344.30 69,204.30 143.15 17,481.14 201.15 51,723.35 36,428.86 | 298.64 89,158.64 297.01 54,055.66 1.63 35,248.83 16,474.52 0.00

Loan Paid off in Year 17.

Total Interest Based on 30 Year Loan with No Extra Payment $70,038.35.

Total Interest Saved with Pre-Payment is $34,789.52