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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

Offer:

Percent Down:

Amount Down: $9,100

Interest Rate:

Extra Monthly Payment:

Years:

Short Cuts: Year 5, Year 10, Year 15, Year 20, Year 25, End of Loan

Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Total Saved	Balance
1	350.17	137.91	212.26	212.26	81,762.09	450.17	237.91	212.26	212.26	0.00	81,662.09
2	350.17	138.27	211.90	424.16	81,623.81	450.17	238.53	211.64	423.90	0.26	81,423.56
3	350.17	138.63	211.54	635.70	81,485.19	450.17	239.15	211.02	634.92	0.78	81,184.41
4	350.17	138.99	211.18	846.88	81,346.20	450.17	239.77	210.40	845.32	1.56	80,944.64
5	350.17	139.35	210.82	1,057.70	81,206.85	450.17	240.39	209.78	1,055.11	2.60	80,704.25
6	350.17	139.71	210.46	1,268.17	81,067.14	450.17	241.01	209.16	1,264.26	3.90	80,463.24
7	350.17	140.07	210.10	1,478.26	80,927.06	450.17	241.64	208.53	1,472.80	5.47	80,221.60
8	350.17	140.44	209.74	1,688.00	80,786.63	450.17	242.26	207.91	1,680.71	7.29	79,979.33
9	350.17	140.80	209.37	1,897.37	80,645.83	450.17	242.89	207.28	1,887.99	9.39	79,736.44
10	350.17	141.16	209.01	2,106.38	80,504.66	450.17	243.52	206.65	2,094.64	11.74	79,492.92
11	350.17	141.53	208.64	2,315.02	80,363.13	450.17	244.15	206.02	2,300.65	14.37	79,248.77
12	350.17	141.90	208.27	2,523.29	80,221.24	450.17	244.79	205.39	2,506.04	17.25	79,003.98
Year 1 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
13	350.17	142.26	207.91	2,731.20	80,078.97	450.17	245.42	204.75	2,710.79	20.41	78,758.56
14	350.17	142.63	207.54	2,938.74	79,936.34	450.17	246.06	204.12	2,914.91	23.83	78,512.51
15	350.17	143.00	207.17	3,145.91	79,793.34	450.17	246.69	203.48	3,118.39	27.52	78,265.82
16	350.17	143.37	206.80	3,352.71	79,649.96	450.17	247.33	202.84	3,321.23	31.48	78,018.48
17	350.17	143.75	206.43	3,559.13	79,506.22	450.17	247.97	202.20	3,523.42	35.71	77,770.51
18	350.17	144.12	206.05	3,765.19	79,362.10	450.17	248.62	201.56	3,724.98	40.21	77,521.89
19	350.17	144.49	205.68	3,970.87	79,217.61	450.17	249.26	200.91	3,925.89	44.98	77,272.63
20	350.17	144.87	205.31	4,176.17	79,072.74	450.17	249.91	200.26	4,126.16	50.02	77,022.73
21	350.17	145.24	204.93	4,381.10	78,927.50	450.17	250.55	199.62	4,325.77	55.33	76,772.17
22	350.17	145.62	204.55	4,585.66	78,781.88	450.17	251.20	198.97	4,524.74	60.91	76,520.97
23	350.17	146.00	204.18	4,789.83	78,635.89	450.17	251.85	198.32	4,723.06	66.77	76,269.11
24	350.17	146.37	203.80	4,993.63	78,489.52	450.17	252.51	197.66	4,920.72	72.91	76,016.61
Year 2 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
25	350.17	146.75	203.42	5,197.05	78,342.76	450.17	253.16	197.01	5,117.73	79.32	75,763.45
26	350.17	147.13	203.04	5,400.09	78,195.63	450.17	253.82	196.35	5,314.08	86.00	75,509.63
27	350.17	147.51	202.66	5,602.74	78,048.12	450.17	254.48	195.70	5,509.78	92.96	75,255.15
28	350.17	147.90	202.27	5,805.02	77,900.22	450.17	255.14	195.04	5,704.82	100.20	75,000.02
29	350.17	148.28	201.89	6,006.91	77,751.94	450.17	255.80	194.38	5,899.19	107.72	74,744.22
30	350.17	148.66	201.51	6,208.42	77,603.27	450.17	256.46	193.71	6,092.90	115.51	74,487.76
31	350.17	149.05	201.12	6,409.54	77,454.22	450.17	257.12	193.05	6,285.95	123.59	74,230.64
32	350.17	149.44	200.74	6,610.27	77,304.79	450.17	257.79	192.38	6,478.33	131.94	73,972.85
33	350.17	149.82	200.35	6,810.62	77,154.97	450.17	258.46	191.71	6,670.05	140.58	73,714.39
34	350.17	150.21	199.96	7,010.58	77,004.75	450.17	259.13	191.04	6,861.09	149.49	73,455.26
35	350.17	150.60	199.57	7,210.15	76,854.15	450.17	259.80	190.37	7,051.46	158.69	73,195.46
36	350.17	150.99	199.18	7,409.33	76,703.16	450.17	260.47	189.70	7,241.16	168.18	72,934.99
Year 3 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
37	350.17	151.38	198.79	7,608.12	76,551.78	450.17	261.15	189.02	7,430.18	177.94	72,673.84
38	350.17	151.77	198.40	7,806.52	76,400.00	450.17	261.83	188.35	7,618.53	187.99	72,412.01
39	350.17	152.17	198.00	8,004.52	76,247.84	450.17	262.50	187.67	7,806.20	198.33	72,149.51
40	350.17	152.56	197.61	8,202.13	76,095.27	450.17	263.18	186.99	7,993.18	208.95	71,886.33
41	350.17	152.96	197.21	8,399.34	75,942.32	450.17	263.87	186.31	8,179.49	219.86	71,622.46
42	350.17	153.35	196.82	8,596.16	75,788.96	450.17	264.55	185.62	8,365.11	231.05	71,357.91
43	350.17	153.75	196.42	8,792.58	75,635.21	450.17	265.24	184.94	8,550.05	242.54	71,092.67
44	350.17	154.15	196.02	8,988.60	75,481.06	450.17	265.92	184.25	8,734.29	254.31	70,826.75
45	350.17	154.55	195.62	9,184.22	75,326.51	450.17	266.61	183.56	8,917.85	266.37	70,560.14
46	350.17	154.95	195.22	9,379.45	75,171.56	450.17	267.30	182.87	9,100.72	278.72	70,292.84
47	350.17	155.35	194.82	9,574.27	75,016.21	450.17	268.00	182.18	9,282.90	291.37	70,024.84
48	350.17	155.75	194.42	9,768.68	74,860.45	450.17	268.69	181.48	9,464.38	304.30	69,756.15
Year 4 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
49	350.17	156.16	194.01	9,962.70	74,704.30	450.17	269.39	180.78	9,645.16	317.53	69,486.76
50	350.17	156.56	193.61	10,156.30	74,547.73	450.17	270.08	180.09	9,825.25	331.05	69,216.68
51	350.17	156.97	193.20	10,349.51	74,390.76	450.17	270.78	179.39	10,004.64	344.87	68,945.89
52	350.17	157.38	192.80	10,542.30	74,233.39	450.17	271.49	178.68	10,183.32	358.98	68,674.41
53	350.17	157.78	192.39	10,734.69	74,075.61	450.17	272.19	177.98	10,361.30	373.39	68,402.22
54	350.17	158.19	191.98	10,926.67	73,917.41	450.17	272.90	177.28	10,538.58	388.09	68,129.32
55	350.17	158.60	191.57	11,118.24	73,758.81	450.17	273.60	176.57	10,715.15	403.09	67,855.72
56	350.17	159.01	191.16	11,309.40	73,599.80	450.17	274.31	175.86	10,891.01	418.39	67,581.41
57	350.17	159.43	190.75	11,500.14	73,440.37	450.17	275.02	175.15	11,066.15	433.99	67,306.38
58	350.17	159.84	190.33	11,690.48	73,280.54	450.17	275.74	174.44	11,240.59	449.89	67,030.65
59	350.17	160.25	189.92	11,880.40	73,120.28	450.17	276.45	173.72	11,414.31	466.08	66,754.20
60	350.17	160.67	189.50	12,069.90	72,959.61	450.17	277.17	173.00	11,587.32	482.58	66,477.03
Year 5 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
61	350.17	161.08	189.09	12,258.99	72,798.53	450.17	277.89	172.29	11,759.60	499.38	66,199.15
62	350.17	161.50	188.67	12,447.66	72,637.03	450.17	278.61	171.57	11,931.17	516.49	65,920.54
63	350.17	161.92	188.25	12,635.91	72,475.11	450.17	279.33	170.84	12,102.01	533.89	65,641.21
64	350.17	162.34	187.83	12,823.74	72,312.77	450.17	280.05	170.12	12,272.13	551.61	65,361.16
65	350.17	162.76	187.41	13,011.15	72,150.01	450.17	280.78	169.39	12,441.53	569.62	65,080.38
66	350.17	163.18	186.99	13,198.14	71,986.82	450.17	281.50	168.67	12,610.19	587.94	64,798.88
67	350.17	163.61	186.57	13,384.70	71,823.22	450.17	282.23	167.94	12,778.13	606.57	64,516.65
68	350.17	164.03	186.14	13,570.85	71,659.19	450.17	282.97	167.21	12,945.34	625.51	64,233.68
69	350.17	164.45	185.72	13,756.56	71,494.73	450.17	283.70	166.47	13,111.81	644.75	63,949.98
70	350.17	164.88	185.29	13,941.85	71,329.85	450.17	284.43	165.74	13,277.55	664.31	63,665.55
71	350.17	165.31	184.86	14,126.72	71,164.55	450.17	285.17	165.00	13,442.55	684.17	63,380.37
72	350.17	165.74	184.43	14,311.15	70,998.81	450.17	285.91	164.26	13,606.81	704.34	63,094.46
Year 6 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
73	350.17	166.17	184.01	14,495.16	70,832.64	450.17	286.65	163.52	13,770.33	724.83	62,807.81
74	350.17	166.60	183.57	14,678.73	70,666.05	450.17	287.39	162.78	13,933.10	745.63	62,520.42
75	350.17	167.03	183.14	14,861.87	70,499.02	450.17	288.14	162.03	14,095.14	766.74	62,232.28
76	350.17	167.46	182.71	15,044.58	70,331.56	450.17	288.89	161.29	14,256.42	788.16	61,943.39
77	350.17	167.90	182.28	15,226.86	70,163.66	450.17	289.63	160.54	14,416.96	809.90	61,653.76
78	350.17	168.33	181.84	15,408.70	69,995.33	450.17	290.39	159.79	14,576.74	831.96	61,363.37
79	350.17	168.77	181.40	15,590.10	69,826.56	450.17	291.14	159.03	14,735.78	854.33	61,072.23
80	350.17	169.20	180.97	15,771.07	69,657.36	450.17	291.89	158.28	14,894.06	877.02	60,780.34
81	350.17	169.64	180.53	15,951.60	69,487.72	450.17	292.65	157.52	15,051.58	900.02	60,487.69
82	350.17	170.08	180.09	16,131.69	69,317.63	450.17	293.41	156.76	15,208.34	923.35	60,194.29
83	350.17	170.52	179.65	16,311.34	69,147.11	450.17	294.17	156.00	15,364.35	946.99	59,900.12
84	350.17	170.97	179.21	16,490.54	68,976.14	450.17	294.93	155.24	15,519.59	970.96	59,605.19
Year 7 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
85	350.17	171.41	178.76	16,669.31	68,804.74	450.17	295.69	154.48	15,674.06	995.24	59,309.49
86	350.17	171.85	178.32	16,847.63	68,632.88	450.17	296.46	153.71	15,827.77	1,019.85	59,013.03
87	350.17	172.30	177.87	17,025.50	68,460.59	450.17	297.23	152.94	15,980.72	1,044.78	58,715.80
88	350.17	172.74	177.43	17,202.93	68,287.84	450.17	298.00	152.17	16,132.89	1,070.04	58,417.80
89	350.17	173.19	176.98	17,379.91	68,114.65	450.17	298.77	151.40	16,284.29	1,095.62	58,119.03
90	350.17	173.64	176.53	17,556.44	67,941.01	450.17	299.55	150.63	16,434.91	1,121.52	57,819.48
91	350.17	174.09	176.08	17,732.52	67,766.92	450.17	300.32	149.85	16,584.76	1,147.76	57,519.16
92	350.17	174.54	175.63	17,908.15	67,592.38	450.17	301.10	149.07	16,733.83	1,174.31	57,218.06
93	350.17	174.99	175.18	18,083.32	67,417.38	450.17	301.88	148.29	16,882.12	1,201.20	56,916.18
94	350.17	175.45	174.72	18,258.05	67,241.93	450.17	302.66	147.51	17,029.63	1,228.42	56,613.52
95	350.17	175.90	174.27	18,432.32	67,066.03	450.17	303.45	146.72	17,176.35	1,255.96	56,310.07
96	350.17	176.36	173.81	18,606.13	66,889.67	450.17	304.23	145.94	17,322.29	1,283.84	56,005.83
Year 8 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
97	350.17	176.82	173.36	18,779.48	66,712.86	450.17	305.02	145.15	17,467.44	1,312.05	55,700.81
98	350.17	177.27	172.90	18,952.38	66,535.58	450.17	305.81	144.36	17,611.80	1,340.59	55,395.00
99	350.17	177.73	172.44	19,124.82	66,357.85	450.17	306.61	143.57	17,755.36	1,369.46	55,088.39
100	350.17	178.19	171.98	19,296.80	66,179.65	450.17	307.40	142.77	17,898.13	1,398.66	54,780.99
101	350.17	178.66	171.52	19,468.31	66,001.00	450.17	308.20	141.97	18,040.11	1,428.21	54,472.79
102	350.17	179.12	171.05	19,639.36	65,821.88	450.17	309.00	141.18	18,181.28	1,458.08	54,163.80
103	350.17	179.58	170.59	19,809.95	65,642.30	450.17	309.80	140.37	18,321.66	1,488.30	53,854.00
104	350.17	180.05	170.12	19,980.08	65,462.25	450.17	310.60	139.57	18,461.23	1,518.85	53,543.40
105	350.17	180.52	169.66	20,149.73	65,281.73	450.17	311.40	138.77	18,599.99	1,549.74	53,231.99
106	350.17	180.98	169.19	20,318.92	65,100.75	450.17	312.21	137.96	18,737.95	1,580.97	52,919.78
107	350.17	181.45	168.72	20,487.64	64,919.30	450.17	313.02	137.15	18,875.10	1,612.54	52,606.76
108	350.17	181.92	168.25	20,655.89	64,737.38	450.17	313.83	136.34	19,011.44	1,644.45	52,292.93
Year 9 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
109	350.17	182.39	167.78	20,823.67	64,554.98	450.17	314.65	135.53	19,146.97	1,676.70	51,978.28
110	350.17	182.87	167.30	20,990.97	64,372.12	450.17	315.46	134.71	19,281.68	1,709.29	51,662.82
111	350.17	183.34	166.83	21,157.80	64,188.78	450.17	316.28	133.89	19,415.57	1,742.23	51,346.54
112	350.17	183.82	166.36	21,324.16	64,004.96	450.17	317.10	133.07	19,548.65	1,775.51	51,029.45
113	350.17	184.29	165.88	21,490.04	63,820.67	450.17	317.92	132.25	19,680.90	1,809.14	50,711.53
114	350.17	184.77	165.40	21,655.44	63,635.90	450.17	318.74	131.43	19,812.32	1,843.12	50,392.78
115	350.17	185.25	164.92	21,820.36	63,450.65	450.17	319.57	130.60	19,942.93	1,877.44	50,073.21
116	350.17	185.73	164.44	21,984.81	63,264.92	450.17	320.40	129.77	20,072.70	1,912.11	49,752.81
117	350.17	186.21	163.96	22,148.77	63,078.71	450.17	321.23	128.94	20,201.64	1,947.13	49,431.59
118	350.17	186.69	163.48	22,312.25	62,892.02	450.17	322.06	128.11	20,329.75	1,982.50	49,109.52
119	350.17	187.18	163.00	22,475.24	62,704.84	450.17	322.90	127.28	20,457.03	2,018.22	48,786.63
120	350.17	187.66	162.51	22,637.75	62,517.18	450.17	323.73	126.44	20,583.47	2,054.29	48,462.90
Year 10 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
121	350.17	188.15	162.02	22,799.78	62,329.03	450.17	324.57	125.60	20,709.07	2,090.71	48,138.32
122	350.17	188.64	161.54	22,961.31	62,140.40	450.17	325.41	124.76	20,833.82	2,127.49	47,812.91
123	350.17	189.12	161.05	23,122.36	61,951.27	450.17	326.26	123.92	20,957.74	2,164.62	47,486.65
124	350.17	189.61	160.56	23,282.92	61,761.66	450.17	327.10	123.07	21,080.81	2,202.11	47,159.55
125	350.17	190.11	160.07	23,442.98	61,571.55	450.17	327.95	122.22	21,203.03	2,239.95	46,831.60
126	350.17	190.60	159.57	23,602.56	61,380.96	450.17	328.80	121.37	21,324.40	2,278.15	46,502.80
127	350.17	191.09	159.08	23,761.63	61,189.86	450.17	329.65	120.52	21,444.92	2,316.71	46,173.15
128	350.17	191.59	158.58	23,920.22	60,998.28	450.17	330.51	119.67	21,564.59	2,355.63	45,842.65
129	350.17	192.08	158.09	24,078.31	60,806.19	450.17	331.36	118.81	21,683.40	2,394.91	45,511.28
130	350.17	192.58	157.59	24,235.89	60,613.61	450.17	332.22	117.95	21,801.35	2,434.55	45,179.06
131	350.17	193.08	157.09	24,392.98	60,420.53	450.17	333.08	117.09	21,918.44	2,474.55	44,845.98
132	350.17	193.58	156.59	24,549.57	60,226.95	450.17	333.95	116.23	22,034.66	2,514.91	44,512.03
Year 11 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
133	350.17	194.08	156.09	24,705.66	60,032.86	450.17	334.81	115.36	22,150.02	2,555.64	44,177.22
134	350.17	194.59	155.59	24,861.25	59,838.28	450.17	335.68	114.49	22,264.51	2,596.73	43,841.54
135	350.17	195.09	155.08	25,016.33	59,643.19	450.17	336.55	113.62	22,378.14	2,638.19	43,505.00
136	350.17	195.60	154.58	25,170.90	59,447.59	450.17	337.42	112.75	22,490.89	2,680.02	43,167.57
137	350.17	196.10	154.07	25,324.97	59,251.49	450.17	338.30	111.88	22,602.76	2,722.21	42,829.28
138	350.17	196.61	153.56	25,478.53	59,054.88	450.17	339.17	111.00	22,713.76	2,764.77	42,490.11
139	350.17	197.12	153.05	25,631.58	58,857.76	450.17	340.05	110.12	22,823.88	2,807.70	42,150.06
140	350.17	197.63	152.54	25,784.12	58,660.12	450.17	340.93	109.24	22,933.12	2,851.00	41,809.12
141	350.17	198.14	152.03	25,936.15	58,461.98	450.17	341.82	108.36	23,041.48	2,894.67	41,467.31
142	350.17	198.66	151.51	26,087.66	58,263.32	450.17	342.70	107.47	23,148.95	2,938.72	41,124.60
143	350.17	199.17	151.00	26,238.66	58,064.15	450.17	343.59	106.58	23,255.53	2,983.14	40,781.01
144	350.17	199.69	150.48	26,389.15	57,864.46	450.17	344.48	105.69	23,361.22	3,027.93	40,436.53
Year 12 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
145	350.17	200.21	149.97	26,539.11	57,664.26	450.17	345.37	104.80	23,466.02	3,073.09	40,091.16
146	350.17	200.72	149.45	26,688.56	57,463.53	450.17	346.27	103.90	23,569.92	3,118.64	39,744.89
147	350.17	201.25	148.93	26,837.48	57,262.29	450.17	347.17	103.01	23,672.93	3,164.56	39,397.73
148	350.17	201.77	148.40	26,985.89	57,060.52	450.17	348.07	102.11	23,775.03	3,210.86	39,049.66
149	350.17	202.29	147.88	27,133.77	56,858.23	450.17	348.97	101.20	23,876.23	3,257.54	38,700.69
150	350.17	202.81	147.36	27,281.13	56,655.42	450.17	349.87	100.30	23,976.53	3,304.59	38,350.82
151	350.17	203.34	146.83	27,427.96	56,452.08	450.17	350.78	99.39	24,075.93	3,352.03	38,000.04
152	350.17	203.87	146.30	27,574.27	56,248.21	450.17	351.69	98.48	24,174.41	3,399.86	37,648.35
153	350.17	204.39	145.78	27,720.04	56,043.81	450.17	352.60	97.57	24,271.98	3,448.06	37,295.75
154	350.17	204.92	145.25	27,865.29	55,838.89	450.17	353.51	96.66	24,368.64	3,496.65	36,942.24
155	350.17	205.46	144.72	28,010.00	55,633.43	450.17	354.43	95.74	24,464.38	3,545.62	36,587.81
156	350.17	205.99	144.18	28,154.19	55,427.45	450.17	355.35	94.82	24,559.21	3,594.98	36,232.46
Year 13 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
157	350.17	206.52	143.65	28,297.84	55,220.92	450.17	356.27	93.90	24,653.11	3,644.73	35,876.19
158	350.17	207.06	143.11	28,440.95	55,013.87	450.17	357.19	92.98	24,746.09	3,694.86	35,519.00
159	350.17	207.59	142.58	28,583.53	54,806.27	450.17	358.12	92.05	24,838.14	3,745.39	35,160.88
160	350.17	208.13	142.04	28,725.57	54,598.14	450.17	359.05	91.13	24,929.27	3,796.30	34,801.84
161	350.17	208.67	141.50	28,867.07	54,389.47	450.17	359.98	90.19	25,019.46	3,847.61	34,441.86
162	350.17	209.21	140.96	29,008.03	54,180.26	450.17	360.91	89.26	25,108.72	3,899.31	34,080.95
163	350.17	209.75	140.42	29,148.45	53,970.50	450.17	361.84	88.33	25,197.05	3,951.40	33,719.11
164	350.17	210.30	139.87	29,288.32	53,760.21	450.17	362.78	87.39	25,284.44	4,003.88	33,356.32
165	350.17	210.84	139.33	29,427.65	53,549.36	450.17	363.72	86.45	25,370.89	4,056.76	32,992.60
166	350.17	211.39	138.78	29,566.43	53,337.97	450.17	364.67	85.51	25,456.39	4,110.04	32,627.94
167	350.17	211.94	138.23	29,704.66	53,126.04	450.17	365.61	84.56	25,540.95	4,163.71	32,262.32
168	350.17	212.49	137.68	29,842.35	52,913.55	450.17	366.56	83.61	25,624.57	4,217.78	31,895.77
Year 14 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
169	350.17	213.04	137.13	29,979.48	52,700.51	450.17	367.51	82.66	25,707.23	4,272.25	31,528.26
170	350.17	213.59	136.58	30,116.07	52,486.92	450.17	368.46	81.71	25,788.94	4,327.13	31,159.80
171	350.17	214.14	136.03	30,252.09	52,272.78	450.17	369.42	80.76	25,869.70	4,382.40	30,790.38
172	350.17	214.70	135.47	30,387.57	52,058.08	450.17	370.37	79.80	25,949.49	4,438.07	30,420.01
173	350.17	215.25	134.92	30,522.49	51,842.83	450.17	371.33	78.84	26,028.33	4,494.15	30,048.68
174	350.17	215.81	134.36	30,656.84	51,627.02	450.17	372.30	77.88	26,106.21	4,550.64	29,676.38
175	350.17	216.37	133.80	30,790.64	51,410.65	450.17	373.26	76.91	26,183.12	4,607.52	29,303.12
176	350.17	216.93	133.24	30,923.88	51,193.71	450.17	374.23	75.94	26,259.06	4,664.82	28,928.89
177	350.17	217.49	132.68	31,056.56	50,976.22	450.17	375.20	74.97	26,334.04	4,722.52	28,553.70
178	350.17	218.06	132.11	31,188.67	50,758.16	450.17	376.17	74.00	26,408.04	4,780.63	28,177.53
179	350.17	218.62	131.55	31,320.22	50,539.54	450.17	377.14	73.03	26,481.07	4,839.16	27,800.38
180	350.17	219.19	130.98	31,451.20	50,320.35	450.17	378.12	72.05	26,553.12	4,898.09	27,422.26
Year 15 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
181	350.17	219.76	130.41	31,581.62	50,100.59	450.17	379.10	71.07	26,624.18	4,957.43	27,043.16
182	350.17	220.33	129.84	31,711.46	49,880.26	450.17	380.08	70.09	26,694.27	5,017.19	26,663.07
183	350.17	220.90	129.27	31,840.73	49,659.36	450.17	381.07	69.10	26,763.37	5,077.36	26,282.00
184	350.17	221.47	128.70	31,969.44	49,437.89	450.17	382.06	68.11	26,831.49	5,137.95	25,899.95
185	350.17	222.04	128.13	32,097.56	49,215.85	450.17	383.05	67.12	26,898.61	5,198.95	25,516.90
186	350.17	222.62	127.55	32,225.11	48,993.23	450.17	384.04	66.13	26,964.74	5,260.37	25,132.86
187	350.17	223.20	126.97	32,352.09	48,770.03	450.17	385.04	65.14	27,029.88	5,322.21	24,747.82
188	350.17	223.78	126.40	32,478.48	48,546.26	450.17	386.03	64.14	27,094.02	5,384.47	24,361.79
189	350.17	224.36	125.82	32,604.30	48,321.90	450.17	387.03	63.14	27,157.15	5,447.14	23,974.76
190	350.17	224.94	125.23	32,729.53	48,096.96	450.17	388.04	62.13	27,219.29	5,510.24	23,586.72
191	350.17	225.52	124.65	32,854.18	47,871.44	450.17	389.04	61.13	27,280.42	5,573.77	23,197.68
192	350.17	226.10	124.07	32,978.25	47,645.34	450.17	390.05	60.12	27,340.54	5,637.71	22,807.63
Year 16 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
193	350.17	226.69	123.48	33,101.73	47,418.65	450.17	391.06	59.11	27,399.65	5,702.08	22,416.56
194	350.17	227.28	122.89	33,224.62	47,191.37	450.17	392.08	58.10	27,457.74	5,766.88	22,024.49
195	350.17	227.87	122.30	33,346.93	46,963.50	450.17	393.09	57.08	27,514.83	5,832.10	21,631.40
196	350.17	228.46	121.71	33,468.64	46,735.04	450.17	394.11	56.06	27,570.89	5,897.76	21,237.29
197	350.17	229.05	121.12	33,589.76	46,505.99	450.17	395.13	55.04	27,625.93	5,963.84	20,842.16
198	350.17	229.64	120.53	33,710.29	46,276.35	450.17	396.16	54.02	27,679.94	6,030.35	20,446.00
199	350.17	230.24	119.93	33,830.23	46,046.11	450.17	397.18	52.99	27,732.93	6,097.29	20,048.82
200	350.17	230.84	119.34	33,949.56	45,815.28	450.17	398.21	51.96	27,784.89	6,164.67	19,650.61
201	350.17	231.43	118.74	34,068.30	45,583.84	450.17	399.24	50.93	27,835.82	6,232.48	19,251.36
202	350.17	232.03	118.14	34,186.44	45,351.81	450.17	400.28	49.89	27,885.71	6,300.73	18,851.08
203	350.17	232.63	117.54	34,303.97	45,119.18	450.17	401.32	48.86	27,934.57	6,369.41	18,449.77
204	350.17	233.24	116.93	34,420.91	44,885.94	450.17	402.36	47.82	27,982.38	6,438.52	18,047.41
Year 17 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
205	350.17	233.84	116.33	34,537.24	44,652.10	450.17	403.40	46.77	28,029.16	6,508.08	17,644.01
206	350.17	234.45	115.72	34,652.96	44,417.65	450.17	404.44	45.73	28,074.88	6,578.08	17,239.57
207	350.17	235.06	115.12	34,768.08	44,182.59	450.17	405.49	44.68	28,119.56	6,648.51	16,834.08
208	350.17	235.66	114.51	34,882.58	43,946.93	450.17	406.54	43.63	28,163.19	6,719.39	16,427.54
209	350.17	236.28	113.90	34,996.48	43,710.65	450.17	407.60	42.57	28,205.77	6,790.71	16,019.94
210	350.17	236.89	113.28	35,109.76	43,473.76	450.17	408.65	41.52	28,247.28	6,862.48	15,611.29
211	350.17	237.50	112.67	35,222.43	43,236.26	450.17	409.71	40.46	28,287.74	6,934.69	15,201.57
212	350.17	238.12	112.05	35,334.49	42,998.14	450.17	410.77	39.40	28,327.14	7,007.34	14,790.80
213	350.17	238.73	111.44	35,445.92	42,759.41	450.17	411.84	38.33	28,365.47	7,080.45	14,378.96
214	350.17	239.35	110.82	35,556.74	42,520.06	450.17	412.91	37.27	28,402.74	7,154.00	13,966.06
215	350.17	239.97	110.20	35,666.94	42,280.08	450.17	413.98	36.20	28,438.93	7,228.00	13,552.08
216	350.17	240.60	109.58	35,776.51	42,039.49	450.17	415.05	35.12	28,474.06	7,302.46	13,137.03
Year 18 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
217	350.17	241.22	108.95	35,885.47	41,798.27	450.17	416.12	34.05	28,508.10	7,377.36	12,720.91
218	350.17	241.84	108.33	35,993.79	41,556.42	450.17	417.20	32.97	28,541.07	7,452.72	12,303.70
219	350.17	242.47	107.70	36,101.49	41,313.95	450.17	418.28	31.89	28,572.96	7,528.53	11,885.42
220	350.17	243.10	107.07	36,208.57	41,070.85	450.17	419.37	30.80	28,603.76	7,604.80	11,466.05
221	350.17	243.73	106.44	36,315.01	40,827.12	450.17	420.46	29.72	28,633.48	7,681.53	11,045.59
222	350.17	244.36	105.81	36,420.82	40,582.76	450.17	421.54	28.63	28,662.11	7,758.71	10,624.05
223	350.17	244.99	105.18	36,526.00	40,337.77	450.17	422.64	27.53	28,689.64	7,836.36	10,201.41
224	350.17	245.63	104.54	36,630.54	40,092.14	450.17	423.73	26.44	28,716.08	7,914.46	9,777.68
225	350.17	246.27	103.91	36,734.44	39,845.87	450.17	424.83	25.34	28,741.42	7,993.02	9,352.85
226	350.17	246.90	103.27	36,837.71	39,598.97	450.17	425.93	24.24	28,765.66	8,072.05	8,926.92
227	350.17	247.54	102.63	36,940.34	39,351.42	450.17	427.04	23.14	28,788.79	8,151.54	8,499.88
228	350.17	248.19	101.99	37,042.32	39,103.24	450.17	428.14	22.03	28,810.82	8,231.50	8,071.74
Year 19 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
229	350.17	248.83	101.34	37,143.67	38,854.41	450.17	429.25	20.92	28,831.74	8,311.92	7,642.49
230	350.17	249.47	100.70	37,244.36	38,604.94	450.17	430.36	19.81	28,851.55	8,392.82	7,212.12
231	350.17	250.12	100.05	37,344.42	38,354.82	450.17	431.48	18.69	28,870.24	8,474.18	6,780.64
232	350.17	250.77	99.40	37,443.82	38,104.05	450.17	432.60	17.57	28,887.81	8,556.00	6,348.04
233	350.17	251.42	98.75	37,542.57	37,852.63	450.17	433.72	16.45	28,904.26	8,638.31	5,914.32
234	350.17	252.07	98.10	37,640.67	37,600.56	450.17	434.84	15.33	28,919.59	8,721.08	5,479.48
235	350.17	252.72	97.45	37,738.12	37,347.84	450.17	435.97	14.20	28,933.79	8,804.33	5,043.51
236	350.17	253.38	96.79	37,834.91	37,094.46	450.17	437.10	13.07	28,946.87	8,888.05	4,606.41
237	350.17	254.03	96.14	37,931.05	36,840.42	450.17	438.23	11.94	28,958.80	8,972.25	4,168.18
238	350.17	254.69	95.48	38,026.53	36,585.73	450.17	439.37	10.80	28,969.61	9,056.92	3,728.81
239	350.17	255.35	94.82	38,121.35	36,330.38	450.17	440.51	9.66	28,979.27	9,142.08	3,288.30
240	350.17	256.02	94.16	38,215.50	36,074.36	450.17	441.65	8.52	28,987.79	9,227.71	2,846.65
Year 20 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
241	350.17	256.68	93.49	38,309.00	35,817.68	450.17	442.79	7.38	28,995.17	9,313.83	2,403.86
242	350.17	257.34	92.83	38,401.82	35,560.34	450.17	443.94	6.23	29,001.40	9,400.42	1,959.92
243	350.17	258.01	92.16	38,493.98	35,302.33	450.17	445.09	5.08	29,006.48	9,487.50	1,514.82
244	350.17	258.68	91.49	38,585.48	35,043.65	450.17	446.25	3.93	29,010.40	9,575.07	1,068.58
245	350.17	259.35	90.82	38,676.30	34,784.30	450.17	447.40	2.77	29,013.17	9,663.12	621.18
246	350.17	260.02	90.15	38,766.45	34,524.28	450.17	448.56	1.61	29,014.78	9,751.66	172.61
247	350.17	260.70	89.48	38,855.92	34,263.58	173.06	172.61	0.45	29,015.23	9,840.69	0.00

Loan Paid off in Year 21.

Total Interest Based on 30 Year Loan with No Extra Payment $44,161.71.

Total Interest Saved with Pre-Payment is $15,146.48