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Mortgage Savings Calculator

Perhaps you want to live debt free. Maybe you want your home paid off before retirement. These are two good reasons why making an extra monthly payment might make sense.

For some paying off their mortgage early is part of their investment plan. It is a no risk way to save money. Other no risk options such as a savings account probably have a much lower rate than your mortgage.

If your savings account is your emergency money, consider opening up a Home Equity Line of Credit (HELOC). This will give you some comfort to not keep as large a balance in your savings, and instead use your extra savings to pay down the higher interest rate mortgage. Should you need the money for an emergency, you can always withdraw it from the HELOC, but remember to start paying that back right away too.

Keep in mind there is no required amount you have to add per month. The more you add, the faster your mortgage goes away, and the more interest you save. However, the best strategy is to add what you are comfortable with.

Loan Details

Amount Down: $4,200

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

Month Payment Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Balance   Payment
Plus Extra		 Cumulative
Payment		 Principal Cumulative
Principal		 Interest Cumulative
Interest		 Total
Saved		 Balance
1 241.41 241.41 33.51 33.51 207.90 207.90 37,766.49 | 341.41 341.41 133.51 133.51 207.90 207.90 0.00 37,666.49
2 241.41 482.82 33.70 67.21 207.72 415.62 37,732.79 | 341.41 682.82 134.25 267.76 207.17 415.07 0.55 37,532.24
3 241.41 724.23 33.88 101.09 207.53 623.15 37,698.91 | 341.41 1,024.23 134.99 402.75 206.43 621.49 1.65 37,397.25
4 241.41 965.64 34.07 135.16 207.34 830.49 37,664.84 | 341.41 1,365.64 135.73 538.47 205.68 827.18 3.31 37,261.53
5 241.41 1,207.05 34.26 169.42 207.16 1,037.65 37,630.58 | 341.41 1,707.05 136.47 674.95 204.94 1,032.12 5.53 37,125.05
6 241.41 1,448.46 34.44 203.86 206.97 1,244.61 37,596.14 | 341.41 2,048.46 137.23 812.17 204.19 1,236.30 8.31 36,987.83
7 241.41 1,689.87 34.63 238.50 206.78 1,451.39 37,561.50 | 341.41 2,389.87 137.98 950.15 203.43 1,439.74 11.66 36,849.85
8 241.41 1,931.28 34.82 273.32 206.59 1,657.98 37,526.68 | 341.41 2,731.28 138.74 1,088.89 202.67 1,642.41 15.57 36,711.11
9 241.41 2,172.69 35.02 308.34 206.40 1,864.38 37,491.66 | 341.41 3,072.69 139.50 1,228.39 201.91 1,844.32 20.06 36,571.61
10 241.41 2,414.10 35.21 343.55 206.20 2,070.58 37,456.45 | 341.41 3,414.10 140.27 1,368.66 201.14 2,045.47 25.12 36,431.34
11 241.41 2,655.51 35.40 378.95 206.01 2,276.59 37,421.05 | 341.41 3,755.51 141.04 1,509.70 200.37 2,245.84 30.75 36,290.30
12 241.41 2,896.92 35.60 414.55 205.82 2,482.41 37,385.45 | 341.41 4,096.92 141.82 1,651.52 199.60 2,445.44 36.97 36,148.48
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
13 241.41 3,138.33 35.79 450.34 205.62 2,688.03 37,349.66 | 341.41 4,438.33 142.60 1,794.12 198.82 2,644.25 43.78 36,005.88
14 241.41 3,379.74 35.99 486.33 205.42 2,893.45 37,313.67 | 341.41 4,779.74 143.38 1,937.50 198.03 2,842.28 51.17 35,862.50
15 241.41 3,621.15 36.19 522.52 205.23 3,098.68 37,277.48 | 341.41 5,121.15 144.17 2,081.67 197.24 3,039.53 59.15 35,718.33
16 241.41 3,862.56 36.39 558.91 205.03 3,303.70 37,241.09 | 341.41 5,462.56 144.96 2,226.63 196.45 3,235.98 67.72 35,573.37
17 241.41 4,103.97 36.59 595.49 204.83 3,508.53 37,204.51 | 341.41 5,803.97 145.76 2,372.39 195.65 3,431.63 76.90 35,427.61
18 241.41 4,345.38 36.79 632.28 204.62 3,713.15 37,167.72 | 341.41 6,145.38 146.56 2,518.95 194.85 3,626.48 86.67 35,281.05
19 241.41 4,586.79 36.99 669.27 204.42 3,917.58 37,130.73 | 341.41 6,486.79 147.37 2,666.32 194.05 3,820.53 97.05 35,133.68
20 241.41 4,828.20 37.19 706.46 204.22 4,121.80 37,093.54 | 341.41 6,828.20 148.18 2,814.50 193.24 4,013.77 108.03 34,985.50
21 241.41 5,069.61 37.40 743.86 204.01 4,325.81 37,056.14 | 341.41 7,169.61 148.99 2,963.49 192.42 4,206.19 119.62 34,836.51
22 241.41 5,311.02 37.60 781.47 203.81 4,529.62 37,018.53 | 341.41 7,511.02 149.81 3,113.30 191.60 4,397.79 131.83 34,686.70
23 241.41 5,552.43 37.81 819.28 203.60 4,733.22 36,980.72 | 341.41 7,852.43 150.64 3,263.94 190.78 4,588.56 144.66 34,536.06
24 241.41 5,793.84 38.02 857.30 203.39 4,936.61 36,942.70 | 341.41 8,193.84 151.46 3,415.40 189.95 4,778.51 158.10 34,384.60
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
25 241.41 6,035.25 38.23 895.53 203.18 5,139.80 36,904.47 | 341.41 8,535.25 152.30 3,567.70 189.12 4,967.63 172.17 34,232.30
26 241.41 6,276.66 38.44 933.96 202.97 5,342.77 36,866.04 | 341.41 8,876.66 153.14 3,720.83 188.28 5,155.90 186.87 34,079.17
27 241.41 6,518.07 38.65 972.61 202.76 5,545.54 36,827.39 | 341.41 9,218.07 153.98 3,874.81 187.44 5,343.34 202.20 33,925.19
28 241.41 6,759.48 38.86 1,011.48 202.55 5,748.09 36,788.52 | 341.41 9,559.48 154.82 4,029.64 186.59 5,529.93 218.16 33,770.36
29 241.41 7,000.89 39.08 1,050.55 202.34 5,950.42 36,749.45 | 341.41 9,900.89 155.68 4,185.31 185.74 5,715.67 234.76 33,614.69
30 241.41 7,242.30 39.29 1,089.84 202.12 6,152.55 36,710.16 | 341.41 10,242.30 156.53 4,341.84 184.88 5,900.55 252.00 33,458.16
31 241.41 7,483.71 39.51 1,129.35 201.91 6,354.45 36,670.65 | 341.41 10,583.71 157.39 4,499.24 184.02 6,084.57 269.89 33,300.76
32 241.41 7,725.12 39.72 1,169.08 201.69 6,556.14 36,630.92 | 341.41 10,925.12 158.26 4,657.50 183.15 6,267.72 288.42 33,142.50
33 241.41 7,966.53 39.94 1,209.02 201.47 6,757.61 36,590.98 | 341.41 11,266.53 159.13 4,816.63 182.28 6,450.00 307.61 32,983.37
34 241.41 8,207.94 40.16 1,249.18 201.25 6,958.86 36,550.82 | 341.41 11,607.94 160.00 4,976.63 181.41 6,631.41 327.45 32,823.37
35 241.41 8,449.35 40.38 1,289.56 201.03 7,159.89 36,510.44 | 341.41 11,949.35 160.88 5,137.52 180.53 6,811.94 347.95 32,662.48
36 241.41 8,690.76 40.61 1,330.17 200.81 7,360.70 36,469.83 | 341.41 12,290.76 161.77 5,299.28 179.64 6,991.58 369.11 32,500.72
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
37 241.41 8,932.17 40.83 1,371.00 200.58 7,561.28 36,429.00 | 341.41 12,632.17 162.66 5,461.94 178.75 7,170.34 390.94 32,338.06
38 241.41 9,173.58 41.05 1,412.05 200.36 7,761.64 36,387.95 | 341.41 12,973.58 163.55 5,625.50 177.86 7,348.20 413.44 32,174.50
39 241.41 9,414.99 41.28 1,453.33 200.13 7,961.78 36,346.67 | 341.41 13,314.99 164.45 5,789.95 176.96 7,525.16 436.62 32,010.05
40 241.41 9,656.40 41.51 1,494.84 199.91 8,161.68 36,305.16 | 341.41 13,656.40 165.36 5,955.31 176.06 7,701.21 460.47 31,844.69
41 241.41 9,897.81 41.73 1,536.57 199.68 8,361.36 36,263.43 | 341.41 13,997.81 166.27 6,121.58 175.15 7,876.36 485.00 31,678.42
42 241.41 10,139.22 41.96 1,578.54 199.45 8,560.81 36,221.46 | 341.41 14,339.22 167.18 6,288.76 174.23 8,050.59 510.22 31,511.24
43 241.41 10,380.63 42.19 1,620.73 199.22 8,760.03 36,179.27 | 341.41 14,680.63 168.10 6,456.86 173.31 8,223.90 536.13 31,343.14
44 241.41 10,622.04 42.43 1,663.16 198.99 8,959.01 36,136.84 | 341.41 15,022.04 169.03 6,625.88 172.39 8,396.29 562.72 31,174.12
45 241.41 10,863.45 42.66 1,705.82 198.75 9,157.77 36,094.18 | 341.41 15,363.45 169.96 6,795.84 171.46 8,567.75 590.02 31,004.16
46 241.41 11,104.86 42.90 1,748.72 198.52 9,356.28 36,051.28 | 341.41 15,704.86 170.89 6,966.73 170.52 8,738.27 618.01 30,833.27
47 241.41 11,346.27 43.13 1,791.85 198.28 9,554.57 36,008.15 | 341.41 16,046.27 171.83 7,138.56 169.58 8,907.85 646.71 30,661.44
48 241.41 11,587.68 43.37 1,835.21 198.04 9,752.61 35,964.79 | 341.41 16,387.68 172.78 7,311.33 168.64 9,076.49 676.12 30,488.67
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
49 241.41 11,829.09 43.61 1,878.82 197.81 9,950.42 35,921.18 | 341.41 16,729.09 173.73 7,485.06 167.69 9,244.18 706.24 30,314.94
50 241.41 12,070.50 43.85 1,922.67 197.57 10,147.98 35,877.33 | 341.41 17,070.50 174.68 7,659.74 166.73 9,410.91 737.07 30,140.26
51 241.41 12,311.91 44.09 1,966.76 197.33 10,345.31 35,833.24 | 341.41 17,411.91 175.64 7,835.38 165.77 9,576.68 768.63 29,964.62
52 241.41 12,553.32 44.33 2,011.09 197.08 10,542.39 35,788.91 | 341.41 17,753.32 176.61 8,011.99 164.81 9,741.49 800.91 29,788.01
53 241.41 12,794.73 44.57 2,055.66 196.84 10,739.23 35,744.34 | 341.41 18,094.73 177.58 8,189.57 163.83 9,905.32 833.91 29,610.43
54 241.41 13,036.14 44.82 2,100.48 196.59 10,935.83 35,699.52 | 341.41 18,436.14 178.56 8,368.13 162.86 10,068.18 867.65 29,431.87
55 241.41 13,277.55 45.07 2,145.54 196.35 11,132.17 35,654.46 | 341.41 18,777.55 179.54 8,547.66 161.88 10,230.05 902.12 29,252.34
56 241.41 13,518.96 45.31 2,190.86 196.10 11,328.27 35,609.14 | 341.41 19,118.96 180.53 8,728.19 160.89 10,390.94 937.33 29,071.81
57 241.41 13,760.37 45.56 2,236.42 195.85 11,524.12 35,563.58 | 341.41 19,460.37 181.52 8,909.71 159.89 10,550.84 973.29 28,890.29
58 241.41 14,001.78 45.81 2,282.23 195.60 11,719.72 35,517.77 | 341.41 19,801.78 182.52 9,092.22 158.90 10,709.73 1,009.99 28,707.78
59 241.41 14,243.19 46.07 2,328.30 195.35 11,915.07 35,471.70 | 341.41 20,143.19 183.52 9,275.74 157.89 10,867.63 1,047.44 28,524.26
60 241.41 14,484.60 46.32 2,374.62 195.09 12,110.16 35,425.38 | 341.41 20,484.60 184.53 9,460.27 156.88 11,024.51 1,085.65 28,339.73
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
61 241.41 14,726.01 46.57 2,421.19 194.84 12,305.00 35,378.81 | 341.41 20,826.01 185.54 9,645.82 155.87 11,180.38 1,124.63 28,154.18
62 241.41 14,967.42 46.83 2,468.02 194.58 12,499.59 35,331.98 | 341.41 21,167.42 186.57 9,832.38 154.85 11,335.23 1,164.36 27,967.62
63 241.41 15,208.83 47.09 2,515.11 194.33 12,693.91 35,284.89 | 341.41 21,508.83 187.59 10,019.97 153.82 11,489.05 1,204.87 27,780.03
64 241.41 15,450.24 47.35 2,562.45 194.07 12,887.98 35,237.55 | 341.41 21,850.24 188.62 10,208.60 152.79 11,641.84 1,246.14 27,591.40
65 241.41 15,691.65 47.61 2,610.06 193.81 13,081.79 35,189.94 | 341.41 22,191.65 189.66 10,398.26 151.75 11,793.59 1,288.20 27,401.74
66 241.41 15,933.06 47.87 2,657.93 193.54 13,275.33 35,142.07 | 341.41 22,533.06 190.70 10,588.96 150.71 11,944.30 1,331.03 27,211.04
67 241.41 16,174.47 48.13 2,706.06 193.28 13,468.61 35,093.94 | 341.41 22,874.47 191.75 10,780.71 149.66 12,093.96 1,374.65 27,019.29
68 241.41 16,415.88 48.40 2,754.46 193.02 13,661.63 35,045.54 | 341.41 23,215.88 192.81 10,973.52 148.61 12,242.57 1,419.06 26,826.48
69 241.41 16,657.29 48.66 2,803.12 192.75 13,854.38 34,996.88 | 341.41 23,557.29 193.87 11,167.39 147.55 12,390.11 1,464.27 26,632.61
70 241.41 16,898.70 48.93 2,852.05 192.48 14,046.86 34,947.95 | 341.41 23,898.70 194.93 11,362.32 146.48 12,536.59 1,510.27 26,437.68
71 241.41 17,140.11 49.20 2,901.25 192.21 14,239.08 34,898.75 | 341.41 24,240.11 196.01 11,558.33 145.41 12,682.00 1,557.08 26,241.67
72 241.41 17,381.52 49.47 2,950.72 191.94 14,431.02 34,849.28 | 341.41 24,581.52 197.08 11,755.41 144.33 12,826.33 1,604.69 26,044.59
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
73 241.41 17,622.93 49.74 3,000.46 191.67 14,622.69 34,799.54 | 341.41 24,922.93 198.17 11,953.58 143.25 12,969.57 1,653.12 25,846.42
74 241.41 17,864.34 50.02 3,050.48 191.40 14,814.09 34,749.52 | 341.41 25,264.34 199.26 12,152.84 142.16 13,111.73 1,702.36 25,647.16
75 241.41 18,105.75 50.29 3,100.77 191.12 15,005.21 34,699.23 | 341.41 25,605.75 200.35 12,353.19 141.06 13,252.79 1,752.42 25,446.81
76 241.41 18,347.16 50.57 3,151.33 190.85 15,196.06 34,648.67 | 341.41 25,947.16 201.46 12,554.64 139.96 13,392.75 1,803.31 25,245.36
77 241.41 18,588.57 50.85 3,202.18 190.57 15,386.62 34,597.82 | 341.41 26,288.57 202.56 12,757.21 138.85 13,531.60 1,855.03 25,042.79
78 241.41 18,829.98 51.13 3,253.30 190.29 15,576.91 34,546.70 | 341.41 26,629.98 203.68 12,960.89 137.74 13,669.33 1,907.58 24,839.11
79 241.41 19,071.39 51.41 3,304.71 190.01 15,766.92 34,495.29 | 341.41 26,971.39 204.80 13,165.68 136.62 13,805.95 1,960.97 24,634.32
80 241.41 19,312.80 51.69 3,356.40 189.72 15,956.64 34,443.60 | 341.41 27,312.80 205.92 13,371.61 135.49 13,941.43 2,015.21 24,428.39
81 241.41 19,554.21 51.97 3,408.37 189.44 16,146.08 34,391.63 | 341.41 27,654.21 207.06 13,578.66 134.36 14,075.79 2,070.29 24,221.34
82 241.41 19,795.62 52.26 3,460.63 189.15 16,335.24 34,339.37 | 341.41 27,995.62 208.20 13,786.86 133.22 14,209.01 2,126.23 24,013.14
83 241.41 20,037.03 52.55 3,513.18 188.87 16,524.10 34,286.82 | 341.41 28,337.03 209.34 13,996.20 132.07 14,341.08 2,183.02 23,803.80
84 241.41 20,278.44 52.84 3,566.01 188.58 16,712.68 34,233.99 | 341.41 28,678.44 210.49 14,206.69 130.92 14,472.00 2,240.68 23,593.31
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
85 241.41 20,519.85 53.13 3,619.14 188.29 16,900.97 34,180.86 | 341.41 29,019.85 211.65 14,418.34 129.76 14,601.76 2,299.20 23,381.66
86 241.41 20,761.26 53.42 3,672.56 187.99 17,088.96 34,127.44 | 341.41 29,361.26 212.81 14,631.16 128.60 14,730.36 2,358.60 23,168.84
87 241.41 21,002.67 53.71 3,726.27 187.70 17,276.66 34,073.73 | 341.41 29,702.67 213.98 14,845.14 127.43 14,857.79 2,418.87 22,954.86
88 241.41 21,244.08 54.01 3,780.28 187.41 17,464.07 34,019.72 | 341.41 30,044.08 215.16 15,060.30 126.25 14,984.04 2,480.02 22,739.70
89 241.41 21,485.49 54.30 3,834.58 187.11 17,651.18 33,965.42 | 341.41 30,385.49 216.34 15,276.65 125.07 15,109.11 2,542.06 22,523.35
90 241.41 21,726.90 54.60 3,889.19 186.81 17,837.99 33,910.81 | 341.41 30,726.90 217.53 15,494.18 123.88 15,232.99 2,605.00 22,305.82
91 241.41 21,968.31 54.90 3,944.09 186.51 18,024.50 33,855.91 | 341.41 31,068.31 218.73 15,712.91 122.68 15,355.67 2,668.82 22,087.09
92 241.41 22,209.72 55.21 3,999.30 186.21 18,210.70 33,800.70 | 341.41 31,409.72 219.93 15,932.85 121.48 15,477.15 2,733.55 21,867.15
93 241.41 22,451.13 55.51 4,054.80 185.90 18,396.61 33,745.20 | 341.41 31,751.13 221.14 16,153.99 120.27 15,597.42 2,799.19 21,646.01
94 241.41 22,692.54 55.81 4,110.62 185.60 18,582.21 33,689.38 | 341.41 32,092.54 222.36 16,376.35 119.05 15,716.47 2,865.73 21,423.65
95 241.41 22,933.95 56.12 4,166.74 185.29 18,767.50 33,633.26 | 341.41 32,433.95 223.58 16,599.93 117.83 15,834.30 2,933.19 21,200.07
96 241.41 23,175.36 56.43 4,223.17 184.98 18,952.48 33,576.83 | 341.41 32,775.36 224.81 16,824.75 116.60 15,950.90 3,001.58 20,975.25
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
97 241.41 23,416.77 56.74 4,279.91 184.67 19,137.15 33,520.09 | 341.41 33,116.77 226.05 17,050.80 115.36 16,066.27 3,070.88 20,749.20
98 241.41 23,658.18 57.05 4,336.96 184.36 19,321.51 33,463.04 | 341.41 33,458.18 227.29 17,278.09 114.12 16,180.39 3,141.12 20,521.91
99 241.41 23,899.59 57.37 4,394.33 184.05 19,505.56 33,405.67 | 341.41 33,799.59 228.54 17,506.63 112.87 16,293.26 3,212.30 20,293.37
100 241.41 24,141.00 57.68 4,452.01 183.73 19,689.29 33,347.99 | 341.41 34,141.00 229.80 17,736.43 111.61 16,404.87 3,284.42 20,063.57
101 241.41 24,382.41 58.00 4,510.01 183.41 19,872.71 33,289.99 | 341.41 34,482.41 231.06 17,967.49 110.35 16,515.22 3,357.48 19,832.51
102 241.41 24,623.82 58.32 4,568.33 183.09 20,055.80 33,231.67 | 341.41 34,823.82 232.33 18,199.83 109.08 16,624.30 3,431.50 19,600.17
103 241.41 24,865.23 58.64 4,626.97 182.77 20,238.57 33,173.03 | 341.41 35,165.23 233.61 18,433.44 107.80 16,732.10 3,506.47 19,366.56
104 241.41 25,106.64 58.96 4,685.93 182.45 20,421.03 33,114.07 | 341.41 35,506.64 234.90 18,668.34 106.52 16,838.62 3,582.41 19,131.66
105 241.41 25,348.05 59.29 4,745.21 182.13 20,603.15 33,054.79 | 341.41 35,848.05 236.19 18,904.53 105.22 16,943.84 3,659.31 18,895.47
106 241.41 25,589.46 59.61 4,804.83 181.80 20,784.96 32,995.17 | 341.41 36,189.46 237.49 19,142.01 103.93 17,047.77 3,737.19 18,657.99
107 241.41 25,830.87 59.94 4,864.77 181.47 20,966.43 32,935.23 | 341.41 36,530.87 238.79 19,380.81 102.62 17,150.39 3,816.04 18,419.19
108 241.41 26,072.28 60.27 4,925.04 181.14 21,147.57 32,874.96 | 341.41 36,872.28 240.11 19,620.92 101.31 17,251.69 3,895.88 18,179.08
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
109 241.41 26,313.69 60.60 4,985.64 180.81 21,328.38 32,814.36 | 341.41 37,213.69 241.43 19,862.34 99.98 17,351.68 3,976.71 17,937.66
110 241.41 26,555.10 60.93 5,046.57 180.48 21,508.86 32,753.43 | 341.41 37,555.10 242.76 20,105.10 98.66 17,450.33 4,058.53 17,694.90
111 241.41 26,796.51 61.27 5,107.84 180.14 21,689.01 32,692.16 | 341.41 37,896.51 244.09 20,349.19 97.32 17,547.66 4,141.35 17,450.81
112 241.41 27,037.92 61.61 5,169.45 179.81 21,868.81 32,630.55 | 341.41 38,237.92 245.43 20,594.62 95.98 17,643.64 4,225.18 17,205.38
113 241.41 27,279.33 61.94 5,231.39 179.47 22,048.28 32,568.61 | 341.41 38,579.33 246.78 20,841.41 94.63 17,738.27 4,310.02 16,958.59
114 241.41 27,520.74 62.29 5,293.68 179.13 22,227.41 32,506.32 | 341.41 38,920.74 248.14 21,089.55 93.27 17,831.54 4,395.87 16,710.45
115 241.41 27,762.15 62.63 5,356.30 178.78 22,406.19 32,443.70 | 341.41 39,262.15 249.51 21,339.05 91.91 17,923.45 4,482.75 16,460.95
116 241.41 28,003.56 62.97 5,419.28 178.44 22,584.64 32,380.72 | 341.41 39,603.56 250.88 21,589.93 90.54 18,013.98 4,570.65 16,210.07
117 241.41 28,244.97 63.32 5,482.60 178.09 22,762.73 32,317.40 | 341.41 39,944.97 252.26 21,842.19 89.16 18,103.14 4,659.59 15,957.81
118 241.41 28,486.38 63.67 5,546.26 177.75 22,940.47 32,253.74 | 341.41 40,286.38 253.65 22,095.83 87.77 18,190.90 4,749.57 15,704.17
119 241.41 28,727.79 64.02 5,610.28 177.40 23,117.87 32,189.72 | 341.41 40,627.79 255.04 22,350.87 86.37 18,277.28 4,840.59 15,449.13
120 241.41 28,969.20 64.37 5,674.65 177.04 23,294.91 32,125.35 | 341.41 40,969.20 256.44 22,607.32 84.97 18,362.25 4,932.67 15,192.68
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
121 241.41 29,210.61 64.72 5,739.37 176.69 23,471.60 32,060.63 | 341.41 41,310.61 257.85 22,865.17 83.56 18,445.81 5,025.80 14,934.83
122 241.41 29,452.02 65.08 5,804.45 176.33 23,647.94 31,995.55 | 341.41 41,652.02 259.27 23,124.44 82.14 18,527.95 5,119.99 14,675.56
123 241.41 29,693.43 65.44 5,869.89 175.98 23,823.91 31,930.11 | 341.41 41,993.43 260.70 23,385.14 80.72 18,608.66 5,215.25 14,414.86
124 241.41 29,934.84 65.80 5,935.69 175.62 23,999.53 31,864.31 | 341.41 42,334.84 262.13 23,647.27 79.28 18,687.95 5,311.58 14,152.73
125 241.41 30,176.25 66.16 6,001.85 175.25 24,174.78 31,798.15 | 341.41 42,676.25 263.57 23,910.84 77.84 18,765.79 5,409.00 13,889.16
126 241.41 30,417.66 66.52 6,068.37 174.89 24,349.67 31,731.63 | 341.41 43,017.66 265.02 24,175.87 76.39 18,842.18 5,507.50 13,624.13
127 241.41 30,659.07 66.89 6,135.26 174.52 24,524.20 31,664.74 | 341.41 43,359.07 266.48 24,442.35 74.93 18,917.11 5,607.09 13,357.65
128 241.41 30,900.48 67.26 6,202.52 174.16 24,698.35 31,597.48 | 341.41 43,700.48 267.95 24,710.29 73.47 18,990.58 5,707.78 13,089.71
129 241.41 31,141.89 67.63 6,270.14 173.79 24,872.14 31,529.86 | 341.41 44,041.89 269.42 24,979.71 71.99 19,062.57 5,809.57 12,820.29
130 241.41 31,383.30 68.00 6,338.14 173.41 25,045.55 31,461.86 | 341.41 44,383.30 270.90 25,250.61 70.51 19,133.08 5,912.47 12,549.39
131 241.41 31,624.71 68.37 6,406.52 173.04 25,218.59 31,393.48 | 341.41 44,724.71 272.39 25,523.00 69.02 19,202.10 6,016.49 12,277.00
132 241.41 31,866.12 68.75 6,475.26 172.66 25,391.26 31,324.74 | 341.41 45,066.12 273.89 25,796.89 67.52 19,269.63 6,121.63 12,003.11
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
133 241.41 32,107.53 69.13 6,544.39 172.29 25,563.54 31,255.61 | 341.41 45,407.53 275.40 26,072.29 66.02 19,335.64 6,227.90 11,727.71
134 241.41 32,348.94 69.51 6,613.90 171.91 25,735.45 31,186.10 | 341.41 45,748.94 276.91 26,349.20 64.50 19,400.15 6,335.30 11,450.80
135 241.41 32,590.35 69.89 6,683.79 171.52 25,906.97 31,116.21 | 341.41 46,090.35 278.43 26,627.63 62.98 19,463.12 6,443.85 11,172.37
136 241.41 32,831.76 70.27 6,754.06 171.14 26,078.11 31,045.94 | 341.41 46,431.76 279.97 26,907.60 61.45 19,524.57 6,553.54 10,892.40
137 241.41 33,073.17 70.66 6,824.72 170.75 26,248.86 30,975.28 | 341.41 46,773.17 281.50 27,189.10 59.91 19,584.48 6,664.38 10,610.90
138 241.41 33,314.58 71.05 6,895.77 170.36 26,419.23 30,904.23 | 341.41 47,114.58 283.05 27,472.16 58.36 19,642.84 6,776.39 10,327.84
139 241.41 33,555.99 71.44 6,967.21 169.97 26,589.20 30,832.79 | 341.41 47,455.99 284.61 27,756.77 56.80 19,699.64 6,889.56 10,043.23
140 241.41 33,797.40 71.83 7,039.04 169.58 26,758.78 30,760.96 | 341.41 47,797.40 286.18 28,042.94 55.24 19,754.88 7,003.90 9,757.06
141 241.41 34,038.81 72.23 7,111.27 169.19 26,927.97 30,688.73 | 341.41 48,138.81 287.75 28,330.69 53.66 19,808.55 7,119.42 9,469.31
142 241.41 34,280.22 72.63 7,183.90 168.79 27,096.75 30,616.10 | 341.41 48,480.22 289.33 28,620.02 52.08 19,860.63 7,236.13 9,179.98
143 241.41 34,521.63 73.02 7,256.92 168.39 27,265.14 30,543.08 | 341.41 48,821.63 290.92 28,910.95 50.49 19,911.12 7,354.03 8,889.05
144 241.41 34,763.04 73.43 7,330.35 167.99 27,433.13 30,469.65 | 341.41 49,163.04 292.52 29,203.47 48.89 19,960.01 7,473.12 8,596.53
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
145 241.41 35,004.45 73.83 7,404.18 167.58 27,600.71 30,395.82 | 341.41 49,504.45 294.13 29,497.60 47.28 20,007.29 7,593.43 8,302.40
146 241.41 35,245.86 74.24 7,478.41 167.18 27,767.89 30,321.59 | 341.41 49,845.86 295.75 29,793.35 45.66 20,052.95 7,714.94 8,006.65
147 241.41 35,487.27 74.64 7,553.06 166.77 27,934.66 30,246.94 | 341.41 50,187.27 297.38 30,090.73 44.04 20,096.99 7,837.67 7,709.27
148 241.41 35,728.68 75.05 7,628.11 166.36 28,101.02 30,171.89 | 341.41 50,528.68 299.01 30,389.74 42.40 20,139.39 7,961.63 7,410.26
149 241.41 35,970.09 75.47 7,703.58 165.95 28,266.96 30,096.42 | 341.41 50,870.09 300.66 30,690.40 40.76 20,180.14 8,086.82 7,109.60
150 241.41 36,211.50 75.88 7,779.46 165.53 28,432.49 30,020.54 | 341.41 51,211.50 302.31 30,992.71 39.10 20,219.25 8,213.25 6,807.29
151 241.41 36,452.91 76.30 7,855.76 165.11 28,597.61 29,944.24 | 341.41 51,552.91 303.97 31,296.68 37.44 20,256.69 8,340.92 6,503.32
152 241.41 36,694.32 76.72 7,932.48 164.69 28,762.30 29,867.52 | 341.41 51,894.32 305.64 31,602.33 35.77 20,292.46 8,469.84 6,197.67
153 241.41 36,935.73 77.14 8,009.62 164.27 28,926.57 29,790.38 | 341.41 52,235.73 307.33 31,909.65 34.09 20,326.54 8,600.03 5,890.35
154 241.41 37,177.14 77.57 8,087.19 163.85 29,090.42 29,712.81 | 341.41 52,577.14 309.02 32,218.67 32.40 20,358.94 8,731.48 5,581.33
155 241.41 37,418.55 77.99 8,165.18 163.42 29,253.84 29,634.82 | 341.41 52,918.55 310.72 32,529.38 30.70 20,389.64 8,864.20 5,270.62
156 241.41 37,659.96 78.42 8,243.60 162.99 29,416.83 29,556.40 | 341.41 53,259.96 312.42 32,841.81 28.99 20,418.63 8,998.20 4,958.19
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
157 241.41 37,901.37 78.85 8,322.46 162.56 29,579.39 29,477.54 | 341.41 53,601.37 314.14 33,155.95 27.27 20,445.90 9,133.49 4,644.05
158 241.41 38,142.78 79.29 8,401.74 162.13 29,741.52 29,398.26 | 341.41 53,942.78 315.87 33,471.82 25.54 20,471.44 9,270.08 4,328.18
159 241.41 38,384.19 79.72 8,481.47 161.69 29,903.21 29,318.53 | 341.41 54,284.19 317.61 33,789.43 23.80 20,495.24 9,407.96 4,010.57
160 241.41 38,625.60 80.16 8,561.63 161.25 30,064.46 29,238.37 | 341.41 54,625.60 319.35 34,108.78 22.06 20,517.30 9,547.16 3,691.22
161 241.41 38,867.01 80.60 8,642.23 160.81 30,225.27 29,157.77 | 341.41 54,967.01 321.11 34,429.90 20.30 20,537.60 9,687.67 3,370.10
162 241.41 39,108.42 81.05 8,723.27 160.37 30,385.64 29,076.73 | 341.41 55,308.42 322.88 34,752.77 18.54 20,556.14 9,829.50 3,047.23
163 241.41 39,349.83 81.49 8,804.77 159.92 30,545.56 28,995.23 | 341.41 55,649.83 324.65 35,077.43 16.76 20,572.90 9,972.66 2,722.57
164 241.41 39,591.24 81.94 8,886.70 159.47 30,705.03 28,913.30 | 341.41 55,991.24 326.44 35,403.87 14.97 20,587.87 10,117.16 2,396.13
165 241.41 39,832.65 82.39 8,969.09 159.02 30,864.06 28,830.91 | 341.41 56,332.65 328.23 35,732.10 13.18 20,601.05 10,263.00 2,067.90
166 241.41 40,074.06 82.84 9,051.94 158.57 31,022.63 28,748.06 | 341.41 56,674.06 330.04 36,062.14 11.37 20,612.42 10,410.20 1,737.86
167 241.41 40,315.47 83.30 9,135.24 158.11 31,180.74 28,664.76 | 341.41 57,015.47 331.85 36,393.99 9.56 20,621.98 10,558.76 1,406.01
168 241.41 40,556.88 83.76 9,218.99 157.66 31,338.40 28,581.01 | 341.41 57,356.88 333.68 36,727.67 7.73 20,629.72 10,708.68 1,072.33
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
169 241.41 40,798.29 84.22 9,303.21 157.20 31,495.59 28,496.79 | 341.41 57,698.29 335.52 37,063.19 5.90 20,635.61 10,859.98 736.81
170 241.41 41,039.70 84.68 9,387.89 156.73 31,652.32 28,412.11 | 341.41 58,039.70 337.36 37,400.55 4.05 20,639.67 11,012.66 399.45
171 241.41 41,281.11 85.15 9,473.04 156.27 31,808.59 28,326.96 | 341.41 58,381.11 339.22 37,739.77 2.20 20,641.86 11,166.73 60.23
172 241.41 41,522.52 85.61 9,558.65 155.80 31,964.39 28,241.35 | 60.57 58,441.68 60.23 38,080.85 0.33 20,642.19 11,322.19 0.00

Loan Paid off in Year 14.

Total Interest Based on 30 Year Loan with No Extra Payment $49,108.69.

Total Interest Saved with Pre-Payment is $28,466.50