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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: $6,800

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
1 390.86 390.86 54.26 54.26 336.60 336.60 61,145.74 | 490.86 490.86 154.26 154.26 336.60 336.60 0.00 61,045.74
2 390.86 781.72 54.56 108.82 336.30 672.90 61,091.18 | 490.86 981.72 155.11 309.37 335.75 672.35 0.55 60,890.63
3 390.86 1,172.58 54.86 163.67 336.00 1,008.90 61,036.33 | 490.86 1,472.58 155.96 465.33 334.90 1,007.25 1.65 60,734.67
4 390.86 1,563.44 55.16 218.83 335.70 1,344.60 60,981.17 | 490.86 1,963.44 156.82 622.15 334.04 1,341.29 3.31 60,577.85
5 390.86 1,954.30 55.46 274.30 335.40 1,680.00 60,925.70 | 490.86 2,454.30 157.68 779.83 333.18 1,674.47 5.53 60,420.17
6 390.86 2,345.16 55.77 330.06 335.09 2,015.09 60,869.94 | 490.86 2,945.16 158.55 938.38 332.31 2,006.78 8.31 60,261.62
7 390.86 2,736.02 56.07 386.14 334.78 2,349.88 60,813.86 | 490.86 3,436.02 159.42 1,097.80 331.44 2,338.22 11.66 60,102.20
8 390.86 3,126.88 56.38 442.52 334.48 2,684.35 60,757.48 | 490.86 3,926.88 160.30 1,258.09 330.56 2,668.78 15.57 59,941.91
9 390.86 3,517.74 56.69 499.22 334.17 3,018.52 60,700.78 | 490.86 4,417.74 161.18 1,419.27 329.68 2,998.46 20.06 59,780.73
10 390.86 3,908.60 57.00 556.22 333.85 3,352.37 60,643.78 | 490.86 4,908.60 162.07 1,581.34 328.79 3,327.26 25.12 59,618.66
11 390.86 4,299.46 57.32 613.54 333.54 3,685.91 60,586.46 | 490.86 5,399.46 162.96 1,744.29 327.90 3,655.16 30.75 59,455.71
12 390.86 4,690.32 57.63 671.17 333.23 4,019.14 60,528.83 | 490.86 5,890.32 163.85 1,908.15 327.01 3,982.16 36.97 59,291.85
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
13 390.86 5,081.18 57.95 729.12 332.91 4,352.05 60,470.88 | 490.86 6,381.18 164.75 2,072.90 326.11 4,308.27 43.78 59,127.10
14 390.86 5,472.04 58.27 787.39 332.59 4,684.64 60,412.61 | 490.86 6,872.04 165.66 2,238.56 325.20 4,633.47 51.17 58,961.44
15 390.86 5,862.90 58.59 845.98 332.27 5,016.91 60,354.02 | 490.86 7,362.90 166.57 2,405.13 324.29 4,957.76 59.15 58,794.87
16 390.86 6,253.76 58.91 904.89 331.95 5,348.85 60,295.11 | 490.86 7,853.76 167.49 2,572.62 323.37 5,281.13 67.72 58,627.38
17 390.86 6,644.62 59.24 964.13 331.62 5,680.48 60,235.87 | 490.86 8,344.62 168.41 2,741.03 322.45 5,603.58 76.90 58,458.97
18 390.86 7,035.48 59.56 1,023.69 331.30 6,011.77 60,176.31 | 490.86 8,835.48 169.33 2,910.36 321.52 5,925.10 86.67 58,289.64
19 390.86 7,426.34 59.89 1,083.58 330.97 6,342.74 60,116.42 | 490.86 9,326.34 170.27 3,080.63 320.59 6,245.70 97.05 58,119.37
20 390.86 7,817.20 60.22 1,143.80 330.64 6,673.38 60,056.20 | 490.86 9,817.20 171.20 3,251.83 319.66 6,565.35 108.03 57,948.17
21 390.86 8,208.06 60.55 1,204.35 330.31 7,003.69 59,995.65 | 490.86 10,308.06 172.14 3,423.98 318.71 6,884.07 119.62 57,776.02
22 390.86 8,598.92 60.88 1,265.23 329.98 7,333.67 59,934.77 | 490.86 10,798.92 173.09 3,597.07 317.77 7,201.84 131.83 57,602.93
23 390.86 8,989.78 61.22 1,326.45 329.64 7,663.31 59,873.55 | 490.86 11,289.78 174.04 3,771.11 316.82 7,518.65 144.66 57,428.89
24 390.86 9,380.64 61.55 1,388.01 329.30 7,992.61 59,811.99 | 490.86 11,780.64 175.00 3,946.11 315.86 7,834.51 158.10 57,253.89
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
25 390.86 9,771.50 61.89 1,449.90 328.97 8,321.58 59,750.10 | 490.86 12,271.50 175.96 4,122.07 314.90 8,149.41 172.17 57,077.93
26 390.86 10,162.36 62.23 1,512.13 328.63 8,650.21 59,687.87 | 490.86 12,762.36 176.93 4,299.00 313.93 8,463.34 186.87 56,901.00
27 390.86 10,553.22 62.58 1,574.71 328.28 8,978.49 59,625.29 | 490.86 13,253.22 177.90 4,476.91 312.96 8,776.29 202.20 56,723.09
28 390.86 10,944.08 62.92 1,637.63 327.94 9,306.43 59,562.37 | 490.86 13,744.08 178.88 4,655.79 311.98 9,088.27 218.16 56,544.21
29 390.86 11,334.94 63.27 1,700.90 327.59 9,634.02 59,499.10 | 490.86 14,234.94 179.87 4,835.66 310.99 9,399.26 234.76 56,364.34
30 390.86 11,725.80 63.61 1,764.51 327.25 9,961.27 59,435.49 | 490.86 14,725.80 180.86 5,016.51 310.00 9,709.27 252.00 56,183.49
31 390.86 12,116.66 63.96 1,828.47 326.90 10,288.16 59,371.53 | 490.86 15,216.66 181.85 5,198.36 309.01 10,018.27 269.89 56,001.64
32 390.86 12,507.52 64.32 1,892.79 326.54 10,614.70 59,307.21 | 490.86 15,707.52 182.85 5,381.21 308.01 10,326.28 288.42 55,818.79
33 390.86 12,898.38 64.67 1,957.46 326.19 10,940.89 59,242.54 | 490.86 16,198.38 183.86 5,565.07 307.00 10,633.29 307.61 55,634.93
34 390.86 13,289.24 65.03 2,022.48 325.83 11,266.73 59,177.52 | 490.86 16,689.24 184.87 5,749.93 305.99 10,939.28 327.45 55,450.07
35 390.86 13,680.10 65.38 2,087.87 325.48 11,592.20 59,112.13 | 490.86 17,180.10 185.88 5,935.82 304.98 11,244.25 347.95 55,264.18
36 390.86 14,070.96 65.74 2,153.61 325.12 11,917.32 59,046.39 | 490.86 17,670.96 186.91 6,122.72 303.95 11,548.21 369.11 55,077.28
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
37 390.86 14,461.82 66.10 2,219.71 324.76 12,242.08 58,980.29 | 490.86 18,161.82 187.93 6,310.66 302.93 11,851.13 390.94 54,889.34
38 390.86 14,852.68 66.47 2,286.18 324.39 12,566.47 58,913.82 | 490.86 18,652.68 188.97 6,499.63 301.89 12,153.02 413.44 54,700.37
39 390.86 15,243.54 66.83 2,353.01 324.03 12,890.49 58,846.99 | 490.86 19,143.54 190.01 6,689.63 300.85 12,453.88 436.62 54,510.37
40 390.86 15,634.40 67.20 2,420.22 323.66 13,214.15 58,779.78 | 490.86 19,634.40 191.05 6,880.68 299.81 12,753.68 460.47 54,319.32
41 390.86 16,025.26 67.57 2,487.79 323.29 13,537.44 58,712.21 | 490.86 20,125.26 192.10 7,072.79 298.76 13,052.44 485.00 54,127.21
42 390.86 16,416.12 67.94 2,555.73 322.92 13,860.36 58,644.27 | 490.86 20,616.12 193.16 7,265.95 297.70 13,350.14 510.22 53,934.05
43 390.86 16,806.98 68.32 2,624.04 322.54 14,182.90 58,575.96 | 490.86 21,106.98 194.22 7,460.17 296.64 13,646.78 536.13 53,739.83
44 390.86 17,197.84 68.69 2,692.73 322.17 14,505.07 58,507.27 | 490.86 21,597.84 195.29 7,655.46 295.57 13,942.35 562.72 53,544.54
45 390.86 17,588.70 69.07 2,761.80 321.79 14,826.86 58,438.20 | 490.86 22,088.70 196.36 7,851.82 294.49 14,236.84 590.02 53,348.18
46 390.86 17,979.56 69.45 2,831.25 321.41 15,148.27 58,368.75 | 490.86 22,579.56 197.44 8,049.27 293.41 14,530.26 618.01 53,150.73
47 390.86 18,370.42 69.83 2,901.08 321.03 15,469.30 58,298.92 | 490.86 23,070.42 198.53 8,247.80 292.33 14,822.58 646.71 52,952.20
48 390.86 18,761.28 70.22 2,971.30 320.64 15,789.94 58,228.70 | 490.86 23,561.28 199.62 8,447.42 291.24 15,113.82 676.12 52,752.58
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
49 390.86 19,152.14 70.60 3,041.90 320.26 16,110.20 58,158.10 | 490.86 24,052.14 200.72 8,648.14 290.14 15,403.96 706.24 52,551.86
50 390.86 19,543.00 70.99 3,112.89 319.87 16,430.07 58,087.11 | 490.86 24,543.00 201.82 8,849.96 289.04 15,693.00 737.07 52,350.04
51 390.86 19,933.86 71.38 3,184.27 319.48 16,749.55 58,015.73 | 490.86 25,033.86 202.93 9,052.90 287.93 15,980.92 768.63 52,147.10
52 390.86 20,324.72 71.77 3,256.04 319.09 17,068.64 57,943.96 | 490.86 25,524.72 204.05 9,256.95 286.81 16,267.73 800.91 51,943.05
53 390.86 20,715.58 72.17 3,328.21 318.69 17,387.33 57,871.79 | 490.86 26,015.58 205.17 9,462.12 285.69 16,553.42 833.91 51,737.88
54 390.86 21,106.44 72.56 3,400.77 318.29 17,705.62 57,799.23 | 490.86 26,506.44 206.30 9,668.42 284.56 16,837.98 867.65 51,531.58
55 390.86 21,497.30 72.96 3,473.74 317.90 18,023.52 57,726.26 | 490.86 26,997.30 207.44 9,875.86 283.42 17,121.40 902.12 51,324.14
56 390.86 21,888.16 73.36 3,547.10 317.49 18,341.01 57,652.90 | 490.86 27,488.16 208.58 10,084.43 282.28 17,403.68 937.33 51,115.57
57 390.86 22,279.02 73.77 3,620.87 317.09 18,658.10 57,579.13 | 490.86 27,979.02 209.72 10,294.16 281.14 17,684.82 973.29 50,905.84
58 390.86 22,669.88 74.17 3,695.05 316.69 18,974.79 57,504.95 | 490.86 28,469.88 210.88 10,505.03 279.98 17,964.80 1,009.99 50,694.97
59 390.86 23,060.74 74.58 3,769.63 316.28 19,291.07 57,430.37 | 490.86 28,960.74 212.04 10,717.07 278.82 18,243.62 1,047.44 50,482.93
60 390.86 23,451.60 74.99 3,844.62 315.87 19,606.93 57,355.38 | 490.86 29,451.60 213.20 10,930.27 277.66 18,521.28 1,085.65 50,269.73
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
61 390.86 23,842.46 75.40 3,920.02 315.45 19,922.39 57,279.98 | 490.86 29,942.46 214.38 11,144.65 276.48 18,797.76 1,124.63 50,055.35
62 390.86 24,233.32 75.82 3,995.84 315.04 20,237.43 57,204.16 | 490.86 30,433.32 215.55 11,360.20 275.30 19,073.07 1,164.36 49,839.80
63 390.86 24,624.18 76.24 4,072.08 314.62 20,552.05 57,127.92 | 490.86 30,924.18 216.74 11,576.94 274.12 19,347.18 1,204.87 49,623.06
64 390.86 25,015.04 76.66 4,148.74 314.20 20,866.25 57,051.26 | 490.86 31,415.04 217.93 11,794.88 272.93 19,620.11 1,246.14 49,405.12
65 390.86 25,405.90 77.08 4,225.81 313.78 21,180.04 56,974.19 | 490.86 31,905.90 219.13 12,014.01 271.73 19,891.84 1,288.20 49,185.99
66 390.86 25,796.76 77.50 4,303.31 313.36 21,493.39 56,896.69 | 490.86 32,396.76 220.34 12,234.34 270.52 20,162.36 1,331.03 48,965.66
67 390.86 26,187.62 77.93 4,381.24 312.93 21,806.33 56,818.76 | 490.86 32,887.62 221.55 12,455.89 269.31 20,431.67 1,374.65 48,744.11
68 390.86 26,578.48 78.36 4,459.60 312.50 22,118.83 56,740.40 | 490.86 33,378.48 222.77 12,678.66 268.09 20,699.77 1,419.06 48,521.34
69 390.86 26,969.34 78.79 4,538.38 312.07 22,430.90 56,661.62 | 490.86 33,869.34 223.99 12,902.65 266.87 20,966.63 1,464.27 48,297.35
70 390.86 27,360.20 79.22 4,617.60 311.64 22,742.54 56,582.40 | 490.86 34,360.20 225.22 13,127.87 265.64 21,232.27 1,510.27 48,072.13
71 390.86 27,751.06 79.66 4,697.26 311.20 23,053.74 56,502.74 | 490.86 34,851.06 226.46 13,354.34 264.40 21,496.67 1,557.08 47,845.66
72 390.86 28,141.92 80.09 4,777.35 310.77 23,364.51 56,422.65 | 490.86 35,341.92 227.71 13,582.05 263.15 21,759.82 1,604.69 47,617.95
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
73 390.86 28,532.78 80.53 4,857.89 310.32 23,674.83 56,342.11 | 490.86 35,832.78 228.96 13,811.01 261.90 22,021.72 1,653.12 47,388.99
74 390.86 28,923.64 80.98 4,938.87 309.88 23,984.71 56,261.13 | 490.86 36,323.64 230.22 14,041.23 260.64 22,282.36 1,702.36 47,158.77
75 390.86 29,314.50 81.42 5,020.29 309.44 24,294.15 56,179.71 | 490.86 36,814.50 231.49 14,272.71 259.37 22,541.73 1,752.42 46,927.29
76 390.86 29,705.36 81.87 5,102.16 308.99 24,603.14 56,097.84 | 490.86 37,305.36 232.76 14,505.47 258.10 22,799.83 1,803.31 46,694.53
77 390.86 30,096.22 82.32 5,184.48 308.54 24,911.68 56,015.52 | 490.86 37,796.22 234.04 14,739.51 256.82 23,056.65 1,855.03 46,460.49
78 390.86 30,487.08 82.77 5,267.26 308.09 25,219.76 55,932.74 | 490.86 38,287.08 235.33 14,974.84 255.53 23,312.18 1,907.58 46,225.16
79 390.86 30,877.94 83.23 5,350.48 307.63 25,527.39 55,849.52 | 490.86 38,777.94 236.62 15,211.46 254.24 23,566.42 1,960.97 45,988.54
80 390.86 31,268.80 83.69 5,434.17 307.17 25,834.56 55,765.83 | 490.86 39,268.80 237.92 15,449.38 252.94 23,819.36 2,015.21 45,750.62
81 390.86 31,659.66 84.15 5,518.32 306.71 26,141.28 55,681.68 | 490.86 39,759.66 239.23 15,688.61 251.63 24,070.98 2,070.29 45,511.39
82 390.86 32,050.52 84.61 5,602.93 306.25 26,447.53 55,597.07 | 490.86 40,250.52 240.55 15,929.16 250.31 24,321.30 2,126.23 45,270.84
83 390.86 32,441.38 85.08 5,688.00 305.78 26,753.31 55,512.00 | 490.86 40,741.38 241.87 16,171.03 248.99 24,570.29 2,183.02 45,028.97
84 390.86 32,832.24 85.54 5,773.55 305.32 27,058.63 55,426.45 | 490.86 41,232.24 243.20 16,414.23 247.66 24,817.95 2,240.68 44,785.77
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
85 390.86 33,223.10 86.01 5,859.56 304.85 27,363.47 55,340.44 | 490.86 41,723.10 244.54 16,658.76 246.32 25,064.27 2,299.20 44,541.24
86 390.86 33,613.96 86.49 5,946.05 304.37 27,667.84 55,253.95 | 490.86 42,213.96 245.88 16,904.65 244.98 25,309.25 2,358.60 44,295.35
87 390.86 34,004.82 86.96 6,033.01 303.90 27,971.74 55,166.99 | 490.86 42,704.82 247.23 17,151.88 243.62 25,552.87 2,418.87 44,048.12
88 390.86 34,395.68 87.44 6,120.45 303.42 28,275.16 55,079.55 | 490.86 43,195.68 248.59 17,400.48 242.26 25,795.13 2,480.02 43,799.52
89 390.86 34,786.54 87.92 6,208.37 302.94 28,578.10 54,991.63 | 490.86 43,686.54 249.96 17,650.44 240.90 26,036.03 2,542.06 43,549.56
90 390.86 35,177.40 88.41 6,296.78 302.45 28,880.55 54,903.22 | 490.86 44,177.40 251.34 17,901.77 239.52 26,275.55 2,605.00 43,298.23
91 390.86 35,568.26 88.89 6,385.67 301.97 29,182.52 54,814.33 | 490.86 44,668.26 252.72 18,154.49 238.14 26,513.69 2,668.82 43,045.51
92 390.86 35,959.12 89.38 6,475.05 301.48 29,484.00 54,724.95 | 490.86 45,159.12 254.11 18,408.60 236.75 26,750.44 2,733.55 42,791.40
93 390.86 36,349.98 89.87 6,564.92 300.99 29,784.98 54,635.08 | 490.86 45,649.98 255.51 18,664.11 235.35 26,985.80 2,799.19 42,535.89
94 390.86 36,740.84 90.37 6,655.29 300.49 30,085.48 54,544.71 | 490.86 46,140.84 256.91 18,921.02 233.95 27,219.74 2,865.73 42,278.98
95 390.86 37,131.70 90.86 6,746.15 300.00 30,385.47 54,453.85 | 490.86 46,631.70 258.32 19,179.34 232.53 27,452.28 2,933.19 42,020.66
96 390.86 37,522.56 91.36 6,837.51 299.50 30,684.97 54,362.49 | 490.86 47,122.56 259.75 19,439.09 231.11 27,683.39 3,001.58 41,760.91
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
97 390.86 37,913.42 91.87 6,929.38 298.99 30,983.96 54,270.62 | 490.86 47,613.42 261.17 19,700.26 229.69 27,913.08 3,070.88 41,499.74
98 390.86 38,304.28 92.37 7,021.75 298.49 31,282.45 54,178.25 | 490.86 48,104.28 262.61 19,962.87 228.25 28,141.33 3,141.12 41,237.13
99 390.86 38,695.14 92.88 7,114.63 297.98 31,580.43 54,085.37 | 490.86 48,595.14 264.06 20,226.93 226.80 28,368.13 3,212.30 40,973.07
100 390.86 39,086.00 93.39 7,208.02 297.47 31,877.90 53,991.98 | 490.86 49,086.00 265.51 20,492.44 225.35 28,593.48 3,284.42 40,707.56
101 390.86 39,476.86 93.90 7,301.92 296.96 32,174.86 53,898.08 | 490.86 49,576.86 266.97 20,759.40 223.89 28,817.37 3,357.48 40,440.60
102 390.86 39,867.72 94.42 7,396.34 296.44 32,471.30 53,803.66 | 490.86 50,067.72 268.44 21,027.84 222.42 29,039.80 3,431.50 40,172.16
103 390.86 40,258.58 94.94 7,491.28 295.92 32,767.22 53,708.72 | 490.86 50,558.58 269.91 21,297.75 220.95 29,260.74 3,506.47 39,902.25
104 390.86 40,649.44 95.46 7,586.74 295.40 33,062.61 53,613.26 | 490.86 51,049.44 271.40 21,569.15 219.46 29,480.21 3,582.41 39,630.85
105 390.86 41,040.30 95.99 7,682.73 294.87 33,357.49 53,517.27 | 490.86 51,540.30 272.89 21,842.04 217.97 29,698.18 3,659.31 39,357.96
106 390.86 41,431.16 96.51 7,779.24 294.34 33,651.83 53,420.76 | 490.86 52,031.16 274.39 22,116.43 216.47 29,914.65 3,737.19 39,083.57
107 390.86 41,822.02 97.05 7,876.29 293.81 33,945.65 53,323.71 | 490.86 52,522.02 275.90 22,392.33 214.96 30,129.60 3,816.04 38,807.67
108 390.86 42,212.88 97.58 7,973.87 293.28 34,238.93 53,226.13 | 490.86 53,012.88 277.42 22,669.75 213.44 30,343.05 3,895.88 38,530.25
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
109 390.86 42,603.74 98.12 8,071.98 292.74 34,531.67 53,128.02 | 490.86 53,503.74 278.94 22,948.69 211.92 30,554.96 3,976.71 38,251.31
110 390.86 42,994.60 98.66 8,170.64 292.20 34,823.87 53,029.36 | 490.86 53,994.60 280.48 23,229.17 210.38 30,765.35 4,058.53 37,970.83
111 390.86 43,385.46 99.20 8,269.83 291.66 35,115.54 52,930.17 | 490.86 54,485.46 282.02 23,511.19 208.84 30,974.19 4,141.35 37,688.81
112 390.86 43,776.32 99.74 8,369.58 291.12 35,406.65 52,830.42 | 490.86 54,976.32 283.57 23,794.76 207.29 31,181.47 4,225.18 37,405.24
113 390.86 44,167.18 100.29 8,469.87 290.57 35,697.22 52,730.13 | 490.86 55,467.18 285.13 24,079.89 205.73 31,387.20 4,310.02 37,120.11
114 390.86 44,558.04 100.84 8,570.71 290.02 35,987.24 52,629.29 | 490.86 55,958.04 286.70 24,366.59 204.16 31,591.36 4,395.87 36,833.41
115 390.86 44,948.90 101.40 8,672.11 289.46 36,276.70 52,527.89 | 490.86 56,448.90 288.28 24,654.86 202.58 31,793.95 4,482.75 36,545.14
116 390.86 45,339.76 101.96 8,774.07 288.90 36,565.60 52,425.93 | 490.86 56,939.76 289.86 24,944.72 201.00 31,994.95 4,570.65 36,255.28
117 390.86 45,730.62 102.52 8,876.58 288.34 36,853.94 52,323.42 | 490.86 57,430.62 291.46 25,236.18 199.40 32,194.35 4,659.59 35,963.82
118 390.86 46,121.48 103.08 8,979.66 287.78 37,141.72 52,220.34 | 490.86 57,921.48 293.06 25,529.24 197.80 32,392.15 4,749.57 35,670.76
119 390.86 46,512.34 103.65 9,083.31 287.21 37,428.93 52,116.69 | 490.86 58,412.34 294.67 25,823.91 196.19 32,588.34 4,840.59 35,376.09
120 390.86 46,903.20 104.22 9,187.53 286.64 37,715.57 52,012.47 | 490.86 58,903.20 296.29 26,120.20 194.57 32,782.91 4,932.67 35,079.80
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
121 390.86 47,294.06 104.79 9,292.32 286.07 38,001.64 51,907.68 | 490.86 59,394.06 297.92 26,418.12 192.94 32,975.85 5,025.80 34,781.88
122 390.86 47,684.92 105.37 9,397.69 285.49 38,287.14 51,802.31 | 490.86 59,884.92 299.56 26,717.67 191.30 33,167.15 5,119.99 34,482.33
123 390.86 48,075.78 105.95 9,503.63 284.91 38,572.05 51,696.37 | 490.86 60,375.78 301.21 27,018.88 189.65 33,356.80 5,215.25 34,181.12
124 390.86 48,466.64 106.53 9,610.16 284.33 38,856.38 51,589.84 | 490.86 60,866.64 302.86 27,321.74 188.00 33,544.80 5,311.58 33,878.26
125 390.86 48,857.50 107.12 9,717.28 283.74 39,140.12 51,482.72 | 490.86 61,357.50 304.53 27,626.27 186.33 33,731.13 5,409.00 33,573.73
126 390.86 49,248.36 107.70 9,824.98 283.15 39,423.28 51,375.02 | 490.86 61,848.36 306.20 27,932.48 184.66 33,915.78 5,507.50 33,267.52
127 390.86 49,639.22 108.30 9,933.28 282.56 39,705.84 51,266.72 | 490.86 62,339.22 307.89 28,240.36 182.97 34,098.75 5,607.09 32,959.64
128 390.86 50,030.08 108.89 10,042.17 281.97 39,987.81 51,157.83 | 490.86 62,830.08 309.58 28,549.95 181.28 34,280.03 5,707.78 32,650.05
129 390.86 50,420.94 109.49 10,151.66 281.37 40,269.17 51,048.34 | 490.86 63,320.94 311.28 28,861.23 179.58 34,459.61 5,809.57 32,338.77
130 390.86 50,811.80 110.09 10,261.75 280.77 40,549.94 50,938.25 | 490.86 63,811.80 313.00 29,174.23 177.86 34,637.47 5,912.47 32,025.77
131 390.86 51,202.66 110.70 10,372.45 280.16 40,830.10 50,827.55 | 490.86 64,302.66 314.72 29,488.94 176.14 34,813.61 6,016.49 31,711.06
132 390.86 51,593.52 111.31 10,483.76 279.55 41,109.65 50,716.24 | 490.86 64,793.52 316.45 29,805.39 174.41 34,988.02 6,121.63 31,394.61
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
133 390.86 51,984.38 111.92 10,595.68 278.94 41,388.59 50,604.32 | 490.86 65,284.38 318.19 30,123.58 172.67 35,160.69 6,227.90 31,076.42
134 390.86 52,375.24 112.54 10,708.22 278.32 41,666.92 50,491.78 | 490.86 65,775.24 319.94 30,443.52 170.92 35,331.61 6,335.30 30,756.48
135 390.86 52,766.10 113.15 10,821.37 277.70 41,944.62 50,378.63 | 490.86 66,266.10 321.70 30,765.22 169.16 35,500.77 6,443.85 30,434.78
136 390.86 53,156.96 113.78 10,935.15 277.08 42,221.70 50,264.85 | 490.86 66,756.96 323.47 31,088.69 167.39 35,668.17 6,553.54 30,111.31
137 390.86 53,547.82 114.40 11,049.55 276.46 42,498.16 50,150.45 | 490.86 67,247.82 325.25 31,413.93 165.61 35,833.78 6,664.38 29,786.07
138 390.86 53,938.68 115.03 11,164.58 275.83 42,773.99 50,035.42 | 490.86 67,738.68 327.04 31,740.97 163.82 35,997.60 6,776.39 29,459.03
139 390.86 54,329.54 115.66 11,280.25 275.19 43,049.18 49,919.75 | 490.86 68,229.54 328.83 32,069.80 162.02 36,159.63 6,889.56 29,130.20
140 390.86 54,720.40 116.30 11,396.55 274.56 43,323.74 49,803.45 | 490.86 68,720.40 330.64 32,400.45 160.22 36,319.84 7,003.90 28,799.55
141 390.86 55,111.26 116.94 11,513.49 273.92 43,597.66 49,686.51 | 490.86 69,211.26 332.46 32,732.91 158.40 36,478.24 7,119.42 28,467.09
142 390.86 55,502.12 117.58 11,631.07 273.28 43,870.94 49,568.93 | 490.86 69,702.12 334.29 33,067.20 156.57 36,634.81 7,236.13 28,132.80
143 390.86 55,892.98 118.23 11,749.30 272.63 44,143.56 49,450.70 | 490.86 70,192.98 336.13 33,403.33 154.73 36,789.54 7,354.03 27,796.67
144 390.86 56,283.84 118.88 11,868.18 271.98 44,415.54 49,331.82 | 490.86 70,683.84 337.98 33,741.30 152.88 36,942.42 7,473.12 27,458.70
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
145 390.86 56,674.70 119.53 11,987.72 271.33 44,686.87 49,212.28 | 490.86 71,174.70 339.84 34,081.14 151.02 37,093.44 7,593.43 27,118.86
146 390.86 57,065.56 120.19 12,107.91 270.67 44,957.54 49,092.09 | 490.86 71,665.56 341.71 34,422.85 149.15 37,242.60 7,714.94 26,777.15
147 390.86 57,456.42 120.85 12,228.76 270.01 45,227.54 48,971.24 | 490.86 72,156.42 343.58 34,766.43 147.27 37,389.87 7,837.67 26,433.57
148 390.86 57,847.28 121.52 12,350.28 269.34 45,496.88 48,849.72 | 490.86 72,647.28 345.47 35,111.91 145.38 37,535.26 7,961.63 26,088.09
149 390.86 58,238.14 122.19 12,472.46 268.67 45,765.56 48,727.54 | 490.86 73,138.14 347.37 35,459.28 143.48 37,678.74 8,086.82 25,740.72
150 390.86 58,629.00 122.86 12,595.32 268.00 46,033.56 48,604.68 | 490.86 73,629.00 349.29 35,808.57 141.57 37,820.31 8,213.25 25,391.43
151 390.86 59,019.86 123.53 12,718.85 267.33 46,300.88 48,481.15 | 490.86 74,119.86 351.21 36,159.77 139.65 37,959.97 8,340.92 25,040.23
152 390.86 59,410.72 124.21 12,843.07 266.65 46,567.53 48,356.93 | 490.86 74,610.72 353.14 36,512.91 137.72 38,097.69 8,469.84 24,687.09
153 390.86 59,801.58 124.90 12,967.96 265.96 46,833.49 48,232.04 | 490.86 75,101.58 355.08 36,867.99 135.78 38,233.47 8,600.03 24,332.01
154 390.86 60,192.44 125.58 13,093.55 265.28 47,098.77 48,106.45 | 490.86 75,592.44 357.03 37,225.02 133.83 38,367.29 8,731.48 23,974.98
155 390.86 60,583.30 126.27 13,219.82 264.59 47,363.36 47,980.18 | 490.86 76,083.30 359.00 37,584.02 131.86 38,499.16 8,864.20 23,615.98
156 390.86 60,974.16 126.97 13,346.79 263.89 47,627.25 47,853.21 | 490.86 76,574.16 360.97 37,944.99 129.89 38,629.04 8,998.20 23,255.01
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
157 390.86 61,365.02 127.67 13,474.45 263.19 47,890.44 47,725.55 | 490.86 77,065.02 362.96 38,307.95 127.90 38,756.95 9,133.49 22,892.05
158 390.86 61,755.88 128.37 13,602.82 262.49 48,152.93 47,597.18 | 490.86 77,555.88 364.95 38,672.90 125.91 38,882.85 9,270.08 22,527.10
159 390.86 62,146.74 129.07 13,731.90 261.78 48,414.71 47,468.10 | 490.86 78,046.74 366.96 39,039.86 123.90 39,006.75 9,407.96 22,160.14
160 390.86 62,537.60 129.78 13,861.68 261.07 48,675.79 47,338.32 | 490.86 78,537.60 368.98 39,408.84 121.88 39,128.63 9,547.16 21,791.16
161 390.86 62,928.46 130.50 13,992.18 260.36 48,936.15 47,207.82 | 490.86 79,028.46 371.01 39,779.85 119.85 39,248.48 9,687.67 21,420.15
162 390.86 63,319.32 131.22 14,123.40 259.64 49,195.79 47,076.60 | 490.86 79,519.32 373.05 40,152.90 117.81 39,366.29 9,829.50 21,047.10
163 390.86 63,710.18 131.94 14,255.33 258.92 49,454.71 46,944.67 | 490.86 80,010.18 375.10 40,528.00 115.76 39,482.05 9,972.66 20,672.00
164 390.86 64,101.04 132.66 14,388.00 258.20 49,712.91 46,812.00 | 490.86 80,501.04 377.16 40,905.16 113.70 39,595.75 10,117.16 20,294.84
165 390.86 64,491.90 133.39 14,521.39 257.47 49,970.38 46,678.61 | 490.86 80,991.90 379.24 41,284.40 111.62 39,707.37 10,263.00 19,915.60
166 390.86 64,882.76 134.13 14,655.52 256.73 50,227.11 46,544.48 | 490.86 81,482.76 381.32 41,665.72 109.54 39,816.91 10,410.20 19,534.28
167 390.86 65,273.62 134.86 14,790.38 255.99 50,483.10 46,409.62 | 490.86 81,973.62 383.42 42,049.14 107.44 39,924.35 10,558.76 19,150.86
168 390.86 65,664.48 135.61 14,925.99 255.25 50,738.36 46,274.01 | 490.86 82,464.48 385.53 42,434.67 105.33 40,029.68 10,708.68 18,765.33
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
169 390.86 66,055.34 136.35 15,062.34 254.51 50,992.86 46,137.66 | 490.86 82,955.34 387.65 42,822.32 103.21 40,132.88 10,859.98 18,377.68
170 390.86 66,446.20 137.10 15,199.44 253.76 51,246.62 46,000.56 | 490.86 83,446.20 389.78 43,212.10 101.08 40,233.96 11,012.66 17,987.90
171 390.86 66,837.06 137.86 15,337.30 253.00 51,499.62 45,862.70 | 490.86 83,937.06 391.93 43,604.03 98.93 40,332.90 11,166.73 17,595.97
172 390.86 67,227.92 138.61 15,475.91 252.24 51,751.87 45,724.09 | 490.86 84,427.92 394.08 43,998.11 96.78 40,429.67 11,322.19 17,201.89
173 390.86 67,618.78 139.38 15,615.29 251.48 52,003.35 45,584.71 | 490.86 84,918.78 396.25 44,394.36 94.61 40,524.28 11,479.07 16,805.64
174 390.86 68,009.64 140.14 15,755.43 250.72 52,254.07 45,444.57 | 490.86 85,409.64 398.43 44,792.79 92.43 40,616.71 11,637.35 16,407.21
175 390.86 68,400.50 140.91 15,896.35 249.95 52,504.01 45,303.65 | 490.86 85,900.50 400.62 45,193.41 90.24 40,706.95 11,797.06 16,006.59
176 390.86 68,791.36 141.69 16,038.04 249.17 52,753.18 45,161.96 | 490.86 86,391.36 402.82 45,596.23 88.04 40,794.99 11,958.19 15,603.77
177 390.86 69,182.22 142.47 16,180.51 248.39 53,001.57 45,019.49 | 490.86 86,882.22 405.04 46,001.27 85.82 40,880.81 12,120.76 15,198.73
178 390.86 69,573.08 143.25 16,323.76 247.61 53,249.18 44,876.24 | 490.86 87,373.08 407.27 46,408.53 83.59 40,964.40 12,284.78 14,791.47
179 390.86 69,963.94 144.04 16,467.80 246.82 53,496.00 44,732.20 | 490.86 87,863.94 409.51 46,818.04 81.35 41,045.76 12,450.24 14,381.96
180 390.86 70,354.80 144.83 16,612.63 246.03 53,742.03 44,587.37 | 490.86 88,354.80 411.76 47,229.80 79.10 41,124.86 12,617.17 13,970.20
Year 15 Completed - Top of Page, Short Cuts
Month Payment Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Balance   Payment
Plus Extra		 Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Interest
Saved		 Balance
181 390.86 70,745.66 145.63 16,758.26 245.23 53,987.26 44,441.74 | 490.86 88,845.66 414.02 47,643.82 76.84 41,201.69 12,785.56 13,556.18
182 390.86 71,136.52 146.43 16,904.69 244.43 54,231.69 44,295.31 | 490.86 89,336.52 416.30 48,060.12 74.56 41,276.25 12,955.43 13,139.88
183 390.86 71,527.38 147.23 17,051.92 243.62 54,475.31 44,148.08 | 490.86 89,827.38 418.59 48,478.71 72.27 41,348.52 13,126.79 12,721.29
184 390.86 71,918.24 148.04 17,199.97 242.81 54,718.12 44,000.03 | 490.86 90,318.24 420.89 48,899.60 69.97 41,418.49 13,299.64 12,300.40
185 390.86 72,309.10 148.86 17,348.83 242.00 54,960.13 43,851.17 | 490.86 90,809.10 423.21 49,322.81 67.65 41,486.14 13,473.98 11,877.19
186 390.86 72,699.96 149.68 17,498.50 241.18 55,201.31 43,701.50 | 490.86 91,299.96 425.53 49,748.34 65.32 41,551.47 13,649.84 11,451.66
187 390.86 73,090.82 150.50 17,649.01 240.36 55,441.66 43,550.99 | 490.86 91,790.82 427.88 50,176.22 62.98 41,614.45 13,827.21 11,023.78
188 390.86 73,481.68 151.33 17,800.33 239.53 55,681.20 43,399.67 | 490.86 92,281.68 430.23 50,606.45 60.63 41,675.08 14,006.11 10,593.55
189 390.86 73,872.54 152.16 17,952.49 238.70 55,919.89 43,247.51 | 490.86 92,772.54 432.59 51,039.04 58.26 41,733.35 14,186.55 10,160.96
190 390.86 74,263.40 153.00 18,105.49 237.86 56,157.75 43,094.51 | 490.86 93,263.40 434.97 51,474.02 55.89 41,789.23 14,368.52 9,725.98
191 390.86 74,654.26 153.84 18,259.33 237.02 56,394.77 42,940.67 | 490.86 93,754.26 437.37 51,911.38 53.49 41,842.72 14,552.05 9,288.62
192 390.86 75,045.12 154.69 18,414.02 236.17 56,630.95 42,785.98 | 490.86 94,245.12 439.77 52,351.15 51.09 41,893.81 14,737.14 8,848.85
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
193 390.86 75,435.98 155.54 18,569.55 235.32 56,866.27 42,630.45 | 490.86 94,735.98 442.19 52,793.34 48.67 41,942.48 14,923.79 8,406.66
194 390.86 75,826.84 156.39 18,725.95 234.47 57,100.74 42,474.05 | 490.86 95,226.84 444.62 53,237.97 46.24 41,988.72 15,112.02 7,962.03
195 390.86 76,217.70 157.25 18,883.20 233.61 57,334.35 42,316.80 | 490.86 95,717.70 447.07 53,685.04 43.79 42,032.51 15,301.84 7,514.96
196 390.86 76,608.56 158.12 19,041.31 232.74 57,567.09 42,158.69 | 490.86 96,208.56 449.53 54,134.56 41.33 42,073.84 15,493.25 7,065.44
197 390.86 76,999.42 158.99 19,200.30 231.87 57,798.96 41,999.70 | 490.86 96,699.42 452.00 54,586.56 38.86 42,112.70 15,686.26 6,613.44
198 390.86 77,390.28 159.86 19,360.16 231.00 58,029.96 41,839.84 | 490.86 97,190.28 454.49 55,041.05 36.37 42,149.07 15,880.89 6,158.95
199 390.86 77,781.14 160.74 19,520.90 230.12 58,260.08 41,679.10 | 490.86 97,681.14 456.98 55,498.03 33.87 42,182.95 16,077.13 5,701.97
200 390.86 78,172.00 161.62 19,682.53 229.24 58,489.31 41,517.47 | 490.86 98,172.00 459.50 55,957.53 31.36 42,214.31 16,275.00 5,242.47
201 390.86 78,562.86 162.51 19,845.04 228.35 58,717.66 41,354.96 | 490.86 98,662.86 462.03 56,419.56 28.83 42,243.14 16,474.52 4,780.44
202 390.86 78,953.72 163.41 20,008.45 227.45 58,945.11 41,191.55 | 490.86 99,153.72 464.57 56,884.12 26.29 42,269.44 16,675.68 4,315.88
203 390.86 79,344.58 164.31 20,172.75 226.55 59,171.67 41,027.25 | 490.86 99,644.58 467.12 57,351.24 23.74 42,293.17 16,878.49 3,848.76
204 390.86 79,735.44 165.21 20,337.96 225.65 59,397.32 40,862.04 | 490.86 100,135.44 469.69 57,820.94 21.17 42,314.34 17,082.97 3,379.06
Year 17 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
205 390.86 80,126.30 166.12 20,504.08 224.74 59,622.06 40,695.92 | 490.86 100,626.30 472.27 58,293.21 18.58 42,332.93 17,289.13 2,906.79
206 390.86 80,517.16 167.03 20,671.11 223.83 59,845.88 40,528.89 | 490.86 101,117.16 474.87 58,768.08 15.99 42,348.91 17,496.97 2,431.92
207 390.86 80,908.02 167.95 20,839.06 222.91 60,068.79 40,360.94 | 490.86 101,608.02 477.48 59,245.57 13.38 42,362.29 17,706.50 1,954.43
208 390.86 81,298.88 168.87 21,007.93 221.99 60,290.78 40,192.07 | 490.86 102,098.88 480.11 59,725.68 10.75 42,373.04 17,917.74 1,474.32
209 390.86 81,689.74 169.80 21,177.74 221.06 60,511.83 40,022.26 | 490.86 102,589.74 482.75 60,208.43 8.11 42,381.15 18,130.69 991.57
210 390.86 82,080.60 170.74 21,348.47 220.12 60,731.96 39,851.53 | 490.86 103,080.60 485.41 60,693.83 5.45 42,386.60 18,345.36 506.17
211 390.86 82,471.46 171.68 21,520.15 219.18 60,951.14 39,679.85 | 490.86 103,571.46 488.08 61,181.91 2.78 42,389.38 18,561.76 18.09
212 390.86 82,862.32 172.62 21,692.77 218.24 61,169.38 39,507.23 | 18.19 103,589.65 18.09 61,672.67 0.10 42,389.48 18,779.90 0.00

Loan Paid off in Year 18.

Total Interest Based on 30 Year Loan with No Extra Payment $79,509.31.

Total Interest Saved with Pre-Payment is $37,119.83