Loan Payment Analysis

Scenario #1
Interest Rate (Annual) 6.00%
Periods (Years) 5
Principal $10,000
Monthly Payment ($193.33)

Scenario #2
Interest Rate (Annual) 5.00%
Periods (Years) 10
Principal $10,000
Monthly Payment ($106.07)
Loan Payment Analysis
Interest Rate (Annual) 6.00%
Periods (Years) 5
Principal $10,000
Balloon Payment $3,000
Monthly Payment ($150.33)
Loan Payment Analysis
Interest Rate (Annual) 6.00% 6.00%
Periods (Years) 5 5
Principal $10,000 $10,000
Balloon Payment $0 $3,000
Monthly Payment ($193.33) ($150.33)
Total Payments ($11,599.68) ($9,019.78)
Total Interest Costs ($1,599.68) ($2,019.78)
Loan Payment Analysis Period Principal
Interest Rate (Annual) 6.00% 1 ($143.33)
Periods (Years) 5 2 ($144.04)
Principal $10,000 3 ($144.76)
Monthly Payment ($193.33) 4 ($145.49)
Total Loan Costs ($1,599.68) 5 ($146.22)
6 ($146.95)
7 ($147.68)
8 ($148.42)
9 ($149.16)
10 ($149.91)
60 ($192.37)
Interest Total
($50.00) ($193.33)
($49.28) ($193.33)
($48.56) ($193.33)
($47.84) ($193.33)
($47.11) ($193.33)
($46.38) ($193.33)
($45.65) ($193.33)
($44.91) ($193.33)
($44.17) ($193.33)
($43.42) ($193.33)
($0.96) ($193.33)
Loan Payment Analysis Cumulative Cumulative
Year Principal Interest
Interest Rate (Annual) 6.00% 1 ($1,768.03) ($551.90)
Periods (Years) 5 2 ($1,877.08) ($442.86)
Principal $10,000 3 ($1,992.85) ($327.08)
Monthly Payment ($193.33) 4 ($2,115.77) ($204.17)
5 ($2,246.27) ($73.67)
1-5 ($10,000.00) ($1,599.68)
 Total
($2,319.94)
($2,319.94)
($2,319.94)
($2,319.94)
($2,319.94)
($11,599.68)
Loan Data
Interest Rate 6.00%
Amortization 10
Principal $500,000
Payment Type 0

Amortization Schedule
Cumulative Cumulative
Period Payment Principal Interest Principal Interest
1 ($67,933.98) ($37,933.98) ($30,000.00) ($37,933.98) ($30,000.00)
2 ($67,933.98) ($40,210.02) ($27,723.96) ($78,144.00) ($57,723.96)
3 ($67,933.98) ($42,622.62) ($25,311.36) ($120,766.62) ($83,035.32)
4 ($67,933.98) ($45,179.98) ($22,754.00) ($165,946.59) ($105,789.32)
5 ($67,933.98) ($47,890.77) ($20,043.20) ($213,837.37) ($125,832.53)
6 ($67,933.98) ($50,764.22) ($17,169.76) ($264,601.59) ($143,002.29)
7 ($67,933.98) ($53,810.07) ($14,123.90) ($318,411.66) ($157,126.19)
8 ($67,933.98) ($57,038.68) ($10,895.30) ($375,450.34) ($168,021.49)
9 ($67,933.98) ($60,461.00) ($7,472.98) ($435,911.34) ($175,494.47)
10 ($67,933.98) ($64,088.66) ($3,845.32) ($500,000.00) ($179,339.79)
Remaining
Principal
$462,066.02
$421,856.00
$379,233.38
$334,053.41
$286,162.63
$235,398.41
$181,588.34
$124,549.66
$64,088.66
$0.00
Loan Data
Interest Rate 6.00% Time Basis
Amortization 15 Time Factor 12
Principal $500,000 Adjusted Rate 0.5%
Balloon Payment $0 Total Periods 180
Payment Type 0

Amortization Schedule
Cumulative
Period Payment Principal Interest Principal
1 ($4,219.28) ($1,719.28) ($2,500.00) ($1,719.28)
2 ($4,219.28) ($1,727.88) ($2,491.40) ($3,447.16)
3 ($4,219.28) ($1,736.52) ($2,482.76) ($5,183.68)
4 ($4,219.28) ($1,745.20) ($2,474.08) ($6,928.89)
5 ($4,219.28) ($1,753.93) ($2,465.36) ($8,682.82)
6 ($4,219.28) ($1,762.70) ($2,456.59) ($10,445.51)
7 ($4,219.28) ($1,771.51) ($2,447.77) ($12,217.03)
8 ($4,219.28) ($1,780.37) ($2,438.91) ($13,997.40)
9 ($4,219.28) ($1,789.27) ($2,430.01) ($15,786.67)
10 ($4,219.28) ($1,798.22) ($2,421.07) ($17,584.88)
11 ($4,219.28) ($1,807.21) ($2,412.08) ($19,392.09)
12 ($4,219.28) ($1,816.24) ($2,403.04) ($21,208.34)
13 ($4,219.28) ($1,825.33) ($2,393.96) ($23,033.66)
14 ($4,219.28) ($1,834.45) ($2,384.83) ($24,868.12)
15 ($4,219.28) ($1,843.62) ($2,375.66) ($26,711.74)
16 ($4,219.28) ($1,852.84) ($2,366.44) ($28,564.58)
17 ($4,219.28) ($1,862.11) ($2,357.18) ($30,426.69)
18 ($4,219.28) ($1,871.42) ($2,347.87) ($32,298.11)
19 ($4,219.28) ($1,880.77) ($2,338.51) ($34,178.88)
20 ($4,219.28) ($1,890.18) ($2,329.11) ($36,069.06)
21 ($4,219.28) ($1,899.63) ($2,319.65) ($37,968.69)
22 ($4,219.28) ($1,909.13) ($2,310.16) ($39,877.82)
23 ($4,219.28) ($1,918.67) ($2,300.61) ($41,796.49)
24 ($4,219.28) ($1,928.27) ($2,291.02) ($43,724.76)
25 ($4,219.28) ($1,937.91) ($2,281.38) ($45,662.67)
26 ($4,219.28) ($1,947.60) ($2,271.69) ($47,610.26)
27 ($4,219.28) ($1,957.34) ($2,261.95) ($49,567.60)
28 ($4,219.28) ($1,967.12) ($2,252.16) ($51,534.72)
29 ($4,219.28) ($1,976.96) ($2,242.33) ($53,511.68)
30 ($4,219.28) ($1,986.84) ($2,232.44) ($55,498.52)
31 ($4,219.28) ($1,996.78) ($2,222.51) ($57,495.30)
32 ($4,219.28) ($2,006.76) ($2,212.52) ($59,502.06)
33 ($4,219.28) ($2,016.79) ($2,202.49) ($61,518.85)
34 ($4,219.28) ($2,026.88) ($2,192.41) ($63,545.73)
35 ($4,219.28) ($2,037.01) ($2,182.27) ($65,582.74)
36 ($4,219.28) ($2,047.20) ($2,172.09) ($67,629.94)
37 ($4,219.28) ($2,057.43) ($2,161.85) ($69,687.38)
38 ($4,219.28) ($2,067.72) ($2,151.56) ($71,755.10)
39 ($4,219.28) ($2,078.06) ($2,141.22) ($73,833.16)
40 ($4,219.28) ($2,088.45) ($2,130.83) ($75,921.61)
41 ($4,219.28) ($2,098.89) ($2,120.39) ($78,020.50)
42 ($4,219.28) ($2,109.39) ($2,109.90) ($80,129.88)
43 ($4,219.28) ($2,119.93) ($2,099.35) ($82,249.82)
44 ($4,219.28) ($2,130.53) ($2,088.75) ($84,380.35)
45 ($4,219.28) ($2,141.19) ($2,078.10) ($86,521.54)
46 ($4,219.28) ($2,151.89) ($2,067.39) ($88,673.43)
47 ($4,219.28) ($2,162.65) ($2,056.63) ($90,836.08)
48 ($4,219.28) ($2,173.46) ($2,045.82) ($93,009.54)
49 ($4,219.28) ($2,184.33) ($2,034.95) ($95,193.88)
50 ($4,219.28) ($2,195.25) ($2,024.03) ($97,389.13)
51 ($4,219.28) ($2,206.23) ($2,013.05) ($99,595.36)
52 ($4,219.28) ($2,217.26) ($2,002.02) ($101,812.62)
53 ($4,219.28) ($2,228.35) ($1,990.94) ($104,040.97)
54 ($4,219.28) ($2,239.49) ($1,979.80) ($106,280.46)
55 ($4,219.28) ($2,250.69) ($1,968.60) ($108,531.14)
56 ($4,219.28) ($2,261.94) ($1,957.34) ($110,793.08)
57 ($4,219.28) ($2,273.25) ($1,946.03) ($113,066.33)
58 ($4,219.28) ($2,284.62) ($1,934.67) ($115,350.95)
59 ($4,219.28) ($2,296.04) ($1,923.25) ($117,646.99)
60 ($4,219.28) ($2,307.52) ($1,911.77) ($119,954.51)
61 ($4,219.28) ($2,319.06) ($1,900.23) ($122,273.56)
62 ($4,219.28) ($2,330.65) ($1,888.63) ($124,604.22)
63 ($4,219.28) ($2,342.31) ($1,876.98) ($126,946.52)
64 ($4,219.28) ($2,354.02) ($1,865.27) ($129,300.54)
65 ($4,219.28) ($2,365.79) ($1,853.50) ($131,666.32)
66 ($4,219.28) ($2,377.62) ($1,841.67) ($134,043.94)
67 ($4,219.28) ($2,389.50) ($1,829.78) ($136,433.44)
68 ($4,219.28) ($2,401.45) ($1,817.83) ($138,834.90)
69 ($4,219.28) ($2,413.46) ($1,805.83) ($141,248.35)
70 ($4,219.28) ($2,425.53) ($1,793.76) ($143,673.88)
71 ($4,219.28) ($2,437.65) ($1,781.63) ($146,111.53)
72 ($4,219.28) ($2,449.84) ($1,769.44) ($148,561.38)
73 ($4,219.28) ($2,462.09) ($1,757.19) ($151,023.47)
74 ($4,219.28) ($2,474.40) ($1,744.88) ($153,497.87)
75 ($4,219.28) ($2,486.77) ($1,732.51) ($155,984.64)
76 ($4,219.28) ($2,499.21) ($1,720.08) ($158,483.85)
77 ($4,219.28) ($2,511.70) ($1,707.58) ($160,995.55)
78 ($4,219.28) ($2,524.26) ($1,695.02) ($163,519.81)
79 ($4,219.28) ($2,536.88) ($1,682.40) ($166,056.70)
80 ($4,219.28) ($2,549.57) ($1,669.72) ($168,606.26)
81 ($4,219.28) ($2,562.32) ($1,656.97) ($171,168.58)
82 ($4,219.28) ($2,575.13) ($1,644.16) ($173,743.71)
83 ($4,219.28) ($2,588.00) ($1,631.28) ($176,331.71)
84 ($4,219.28) ($2,600.94) ($1,618.34) ($178,932.65)
85 ($4,219.28) ($2,613.95) ($1,605.34) ($181,546.60)
86 ($4,219.28) ($2,627.02) ($1,592.27) ($184,173.62)
87 ($4,219.28) ($2,640.15) ($1,579.13) ($186,813.77)
88 ($4,219.28) ($2,653.35) ($1,565.93) ($189,467.12)
89 ($4,219.28) ($2,666.62) ($1,552.66) ($192,133.74)
90 ($4,219.28) ($2,679.95) ($1,539.33) ($194,813.69)
91 ($4,219.28) ($2,693.35) ($1,525.93) ($197,507.05)
92 ($4,219.28) ($2,706.82) ($1,512.46) ($200,213.87)
93 ($4,219.28) ($2,720.35) ($1,498.93) ($202,934.22)
94 ($4,219.28) ($2,733.96) ($1,485.33) ($205,668.18)
95 ($4,219.28) ($2,747.63) ($1,471.66) ($208,415.80)
96 ($4,219.28) ($2,761.36) ($1,457.92) ($211,177.16)
97 ($4,219.28) ($2,775.17) ($1,444.11) ($213,952.33)
98 ($4,219.28) ($2,789.05) ($1,430.24) ($216,741.38)
99 ($4,219.28) ($2,802.99) ($1,416.29) ($219,544.37)
100 ($4,219.28) ($2,817.01) ($1,402.28) ($222,361.38)
101 ($4,219.28) ($2,831.09) ($1,388.19) ($225,192.47)
102 ($4,219.28) ($2,845.25) ($1,374.04) ($228,037.71)
103 ($4,219.28) ($2,859.47) ($1,359.81) ($230,897.19)
104 ($4,219.28) ($2,873.77) ($1,345.51) ($233,770.96)
105 ($4,219.28) ($2,888.14) ($1,331.15) ($236,659.10)
106 ($4,219.28) ($2,902.58) ($1,316.70) ($239,561.68)
107 ($4,219.28) ($2,917.09) ($1,302.19) ($242,478.77)
108 ($4,219.28) ($2,931.68) ($1,287.61) ($245,410.45)
109 ($4,219.28) ($2,946.34) ($1,272.95) ($248,356.78)
110 ($4,219.28) ($2,961.07) ($1,258.22) ($251,317.85)
111 ($4,219.28) ($2,975.87) ($1,243.41) ($254,293.72)
112 ($4,219.28) ($2,990.75) ($1,228.53) ($257,284.48)
113 ($4,219.28) ($3,005.71) ($1,213.58) ($260,290.18)
114 ($4,219.28) ($3,020.74) ($1,198.55) ($263,310.92)
115 ($4,219.28) ($3,035.84) ($1,183.45) ($266,346.76)
116 ($4,219.28) ($3,051.02) ($1,168.27) ($269,397.77)
117 ($4,219.28) ($3,066.27) ($1,153.01) ($272,464.05)
118 ($4,219.28) ($3,081.60) ($1,137.68) ($275,545.65)
119 ($4,219.28) ($3,097.01) ($1,122.27) ($278,642.66)
120 ($4,219.28) ($3,112.50) ($1,106.79) ($281,755.16)
121 ($4,219.28) ($3,128.06) ($1,091.22) ($284,883.22)
122 ($4,219.28) ($3,143.70) ($1,075.58) ($288,026.92)
123 ($4,219.28) ($3,159.42) ($1,059.87) ($291,186.34)
124 ($4,219.28) ($3,175.22) ($1,044.07) ($294,361.56)
125 ($4,219.28) ($3,191.09) ($1,028.19) ($297,552.65)
126 ($4,219.28) ($3,207.05) ($1,012.24) ($300,759.70)
127 ($4,219.28) ($3,223.08) ($996.20) ($303,982.78)
128 ($4,219.28) ($3,239.20) ($980.09) ($307,221.98)
129 ($4,219.28) ($3,255.39) ($963.89) ($310,477.37)
130 ($4,219.28) ($3,271.67) ($947.61) ($313,749.04)
131 ($4,219.28) ($3,288.03) ($931.25) ($317,037.07)
132 ($4,219.28) ($3,304.47) ($914.81) ($320,341.54)
133 ($4,219.28) ($3,320.99) ($898.29) ($323,662.53)
134 ($4,219.28) ($3,337.60) ($881.69) ($327,000.13)
135 ($4,219.28) ($3,354.28) ($865.00) ($330,354.41)
136 ($4,219.28) ($3,371.06) ($848.23) ($333,725.47)
137 ($4,219.28) ($3,387.91) ($831.37) ($337,113.38)
138 ($4,219.28) ($3,404.85) ($814.43) ($340,518.23)
139 ($4,219.28) ($3,421.88) ($797.41) ($343,940.11)
140 ($4,219.28) ($3,438.98) ($780.30) ($347,379.09)
141 ($4,219.28) ($3,456.18) ($763.10) ($350,835.27)
142 ($4,219.28) ($3,473.46) ($745.82) ($354,308.73)
143 ($4,219.28) ($3,490.83) ($728.46) ($357,799.56)
144 ($4,219.28) ($3,508.28) ($711.00) ($361,307.84)
145 ($4,219.28) ($3,525.82) ($693.46) ($364,833.67)
146 ($4,219.28) ($3,543.45) ($675.83) ($368,377.12)
147 ($4,219.28) ($3,561.17) ($658.11) ($371,938.29)
148 ($4,219.28) ($3,578.98) ($640.31) ($375,517.26)
149 ($4,219.28) ($3,596.87) ($622.41) ($379,114.13)
150 ($4,219.28) ($3,614.85) ($604.43) ($382,728.99)
151 ($4,219.28) ($3,632.93) ($586.36) ($386,361.92)
152 ($4,219.28) ($3,651.09) ($568.19) ($390,013.01)
153 ($4,219.28) ($3,669.35) ($549.93) ($393,682.36)
154 ($4,219.28) ($3,687.70) ($531.59) ($397,370.06)
155 ($4,219.28) ($3,706.13) ($513.15) ($401,076.19)
156 ($4,219.28) ($3,724.67) ($494.62) ($404,800.86)
157 ($4,219.28) ($3,743.29) ($476.00) ($408,544.14)
158 ($4,219.28) ($3,762.00) ($457.28) ($412,306.15)
159 ($4,219.28) ($3,780.81) ($438.47) ($416,086.96)
160 ($4,219.28) ($3,799.72) ($419.57) ($419,886.68)
161 ($4,219.28) ($3,818.72) ($400.57) ($423,705.40)
162 ($4,219.28) ($3,837.81) ($381.47) ($427,543.21)
163 ($4,219.28) ($3,857.00) ($362.28) ($431,400.21)
164 ($4,219.28) ($3,876.29) ($343.00) ($435,276.50)
165 ($4,219.28) ($3,895.67) ($323.62) ($439,172.16)
166 ($4,219.28) ($3,915.14) ($304.14) ($443,087.31)
167 ($4,219.28) ($3,934.72) ($284.56) ($447,022.03)
168 ($4,219.28) ($3,954.39) ($264.89) ($450,976.42)
169 ($4,219.28) ($3,974.17) ($245.12) ($454,950.59)
170 ($4,219.28) ($3,994.04) ($225.25) ($458,944.63)
171 ($4,219.28) ($4,014.01) ($205.28) ($462,958.63)
172 ($4,219.28) ($4,034.08) ($185.21) ($466,992.71)
173 ($4,219.28) ($4,054.25) ($165.04) ($471,046.96)
174 ($4,219.28) ($4,074.52) ($144.77) ($475,121.48)
175 ($4,219.28) ($4,094.89) ($124.39) ($479,216.37)
176 ($4,219.28) ($4,115.37) ($103.92) ($483,331.74)
177 ($4,219.28) ($4,135.94) ($83.34) ($487,467.68)
178 ($4,219.28) ($4,156.62) ($62.66) ($491,624.30)
179 ($4,219.28) ($4,177.41) ($41.88) ($495,801.71)
180 ($4,219.28) ($4,198.29) ($20.99) ($500,000.00)
 4 Time Basis
Annual
Semi-Annual
Quarterly
Monthly

Cumulative Remaining
Interest Principal
($2,491.40) $498,280.72
($4,991.40) $496,552.84
($7,474.17) $494,816.32
($9,948.25) $493,071.11
($12,413.60) $491,317.18
($14,870.19) $489,554.49
($17,317.96) $487,782.97
($19,756.88) $486,002.60
($22,186.89) $484,213.33
($24,607.96) $482,415.12
($27,020.03) $480,607.91
($29,423.07) $478,791.66
($31,817.03) $476,966.34
($34,201.86) $475,131.88
($36,577.52) $473,288.26
($38,943.96) $471,435.42
($41,301.14) $469,573.31
($43,649.01) $467,701.89
($45,987.52) $465,821.12
($48,316.62) $463,930.94
($50,636.28) $462,031.31
($52,946.43) $460,122.18
($55,247.04) $458,203.51
($57,538.06) $456,275.24
 ($59,819.44) $454,337.33
($62,091.12) $452,389.74
($64,353.07) $450,432.40
($66,605.24) $448,465.28
($68,847.56) $446,488.32
($71,080.00) $444,501.48
($73,302.51) $442,504.70
($75,515.03) $440,497.94
($77,717.52) $438,481.15
($79,909.93) $436,454.27
($82,092.20) $434,417.26
($84,264.29) $432,370.06
($86,426.14) $430,312.62
($88,577.70) $428,244.90
($90,718.93) $426,166.84
($92,849.76) $424,078.39
($94,970.15) $421,979.50
($97,080.05) $419,870.12
($99,179.40) $417,750.18
($101,268.15) $415,619.65
($103,346.25) $413,478.46
($105,413.64) $411,326.57
($107,470.27) $409,163.92
($109,516.09) $406,990.46
($111,551.05) $404,806.12
($113,575.08) $402,610.87
($115,588.13) $400,404.64
($117,590.15) $398,187.38
($119,581.09) $395,959.03
($121,560.89) $393,719.54
($123,529.48) $391,468.86
($125,486.83) $389,206.92
($127,432.86) $386,933.67
($129,367.53) $384,649.05
($131,290.78) $382,353.01
($133,202.54) $380,045.49
($135,102.77) $377,726.44
($136,991.40) $375,395.78
($138,868.38) $373,053.48
($140,733.65) $370,699.46
($142,587.14) $368,333.68
($144,428.81) $365,956.06
($146,258.59) $363,566.56
($148,076.43) $361,165.10
($149,882.25) $358,751.65
($151,676.01) $356,326.12
($153,457.64) $353,888.47
($155,227.08) $351,438.62
($156,984.28) $348,976.53
($158,729.16) $346,502.13
($160,461.67) $344,015.36
($162,181.75) $341,516.15
($163,889.33) $339,004.45
($165,584.35) $336,480.19
($167,266.75) $333,943.30
($168,936.47) $331,393.74
($170,593.44) $328,831.42
($172,237.59) $326,256.29
($173,868.87) $323,668.29
($175,487.22) $321,067.35
($177,092.55) $318,453.40
($178,684.82) $315,826.38
($180,263.95) $313,186.23
($181,829.88) $310,532.88
($183,382.55) $307,866.26
($184,921.88) $305,186.31
($186,447.81) $302,492.95
($187,960.27) $299,786.13
($189,459.20) $297,065.78
($190,944.53) $294,331.82
($192,416.19) $291,584.20
($193,874.11) $288,822.84
($195,318.23) $286,047.67
($196,748.47) $283,258.62
($198,164.76) $280,455.63
($199,567.04) $277,638.62
($200,955.23) $274,807.53
($202,329.27) $271,962.29
($203,689.08) $269,102.81
($205,034.59) $266,229.04
($206,365.74) $263,340.90
($207,682.44) $260,438.32
($208,984.64) $257,521.23
($210,272.24) $254,589.55
($211,545.19) $251,643.22
($212,803.41) $248,682.15
($214,046.82) $245,706.28
($215,275.35) $242,715.52
($216,488.92) $239,709.82
($217,687.47) $236,689.08
($218,870.92) $233,653.24
($220,039.19) $230,602.23
($221,192.20) $227,535.95
($222,329.88) $224,454.35
($223,452.15) $221,357.34
($224,558.93) $218,244.84
($225,650.16) $215,116.78
($226,725.74) $211,973.08
($227,785.61) $208,813.66
($228,829.68) $205,638.44
($229,857.87) $202,447.35
($230,870.11) $199,240.30
($231,866.31) $196,017.22
($232,846.39) $192,778.02
($233,810.28) $189,522.63
($234,757.90) $186,250.96
($235,689.15) $182,962.93
($236,603.97) $179,658.46
($237,502.26) $176,337.47
($238,383.95) $172,999.87
($239,248.95) $169,645.59
($240,097.17) $166,274.53
($240,928.55) $162,886.62
($241,742.98) $159,481.77
($242,540.39) $156,059.89
($243,320.69) $152,620.91
($244,083.79) $149,164.73
($244,829.62) $145,691.27
($245,558.07) $142,200.44
($246,269.07) $138,692.16
($246,962.53) $135,166.33
($247,638.37) $131,622.88
($248,296.48) $128,061.71
($248,936.79) $124,482.74
($249,559.20) $120,885.87
($250,163.63) $117,271.01
($250,749.99) $113,638.08
($251,318.18) $109,986.99
($251,868.11) $106,317.64
($252,399.70) $102,629.94
($252,912.85) $98,923.81
($253,407.47) $95,199.14
($253,883.47) $91,455.86
($254,340.74) $87,693.85
($254,779.21) $83,913.04
($255,198.78) $80,113.32
($255,599.35) $76,294.60
($255,980.82) $72,456.79
($256,343.10) $68,599.79
($256,686.10) $64,723.50
($257,009.72) $60,827.84
($257,313.86) $56,912.69
($257,598.42) $52,977.97
($257,863.31) $49,023.58
($258,108.43) $45,049.41
($258,333.68) $41,055.37
($258,538.95) $37,041.37
($258,724.16) $33,007.29
($258,889.20) $28,953.04
($259,033.96) $24,878.52
($259,158.35) $20,783.63
($259,262.27) $16,668.26
($259,345.61) $12,532.32
($259,408.28) $8,375.70
($259,450.15) $4,198.29
($259,471.15) $0.00
Loan Term Analysis
Interest Rate (Annual) 6.00%
Payment (Monthly) ($750)
Principal $10,000
Balloon Payment $0
Type 0
Term (Months) 13.8
Ending the Loan After 13 Months Ending the Loan
Period Principal Cumulative Principal Period
1 ($700.00) ($700.00) 1
2 ($703.50) ($1,403.50) 2
3 ($707.02) ($2,110.52) 3
4 ($710.55) ($2,821.07) 4
5 ($714.11) ($3,535.18) 5
6 ($717.68) ($4,252.85) 6
7 ($721.26) ($4,974.12) 7
8 ($724.87) ($5,698.99) 8
9 ($728.49) ($6,427.48) 9
10 ($732.14) ($7,159.62) 10
11 ($735.80) ($7,895.42) 11
12 ($739.48) ($8,634.89) 12
13 ($743.17) ($9,378.07) 13
Remaining Principal After 13 Months ($621.93) 14
Future Value After 13 Months ($621.93) Overpayment Principal After 14 M
Future Value After 14 M
 Ending the Loan After 14 Months
Principal Cumulative Principal
($700.00) ($700.00)
($703.50) ($1,403.50)
($707.02) ($2,110.52)
($710.55) ($2,821.07)
($714.11) ($3,535.18)
($717.68) ($4,252.85)
($721.26) ($4,974.12)
($724.87) ($5,698.99)
($728.49) ($6,427.48)
($732.14) ($7,159.62)
($735.80) ($7,895.42)
($739.48) ($8,634.89)
($743.17) ($9,378.07)
Err:502 ($10,124.96)
ent Principal After 14 Months $124.96
uture Value After 14 Months $124.96
Loan Rate Analysis
Term (Years) 5
Payment (Monthly) ($200)
Principal $10,000
Balloon Payment $0
Type 0
Guess 5%
Interest Rate (Annual) 7.4%
Loan Principal Analysis
Interest Rate (Annual) 6.00%
Term (Years) 5
Payment (Monthly) ($500)
Balloon Payment $0
Type 0
Maximum Principal $25,862.78
Initial Mortgage Data
Interest Rate 6.00% per annum
Amortization 25 years
Term 5 years
Principal $100,000
Payment Type 0

Amortization Schedule
Amortization Term Interest
Year Period Rate NPER Payment Principal
0 0
1 1 6.0% 25 ($7,822.67) ($1,822.67)
2 2 6.0% 25 ($7,822.67) ($1,932.03)
3 3 6.0% 25 ($7,822.67) ($2,047.95)
4 4 6.0% 25 ($7,822.67) ($2,170.83)
5 5 6.0% 25 ($7,822.67) ($2,301.08)
6 1 7.0% 20 ($8,469.45) ($2,188.67)
7 2 7.0% 20 ($8,469.45) ($2,341.87)
8 3 7.0% 20 ($8,469.45) ($2,505.80)
9 4 7.0% 20 ($8,469.45) ($2,681.21)
10 5 7.0% 20 ($8,469.45) ($2,868.89)
11 1 8.0% 15 ($9,012.11) ($2,840.99)
12 2 8.0% 15 ($9,012.11) ($3,068.27)
13 3 8.0% 15 ($9,012.11) ($3,313.74)
14 4 8.0% 15 ($9,012.11) ($3,578.83)
15 5 8.0% 15 ($9,012.11) ($3,865.14)
16 1 7.0% 10 ($8,609.85) ($4,376.81)
17 2 7.0% 10 ($8,609.85) ($4,683.19)
18 3 7.0% 10 ($8,609.85) ($5,011.01)
19 4 7.0% 10 ($8,609.85) ($5,361.78)
20 5 7.0% 10 ($8,609.85) ($5,737.11)
21 1 6.0% 5 ($8,380.59) ($6,262.47)
22 2 6.0% 5 ($8,380.59) ($6,638.21)
23 3 6.0% 5 ($8,380.59) ($7,036.51)
24 4 6.0% 5 ($8,380.59) ($7,458.70)
25 5 6.0% 5 ($8,380.59) ($7,906.22)
 Cumulative Cumulative Remaining
Interest Principal Interest Principal
$100,000.00
($6,000.00) ($1,822.67) ($6,000.00) $98,177.33
($5,890.64) ($3,754.70) ($11,890.64) $96,245.30
($5,774.72) ($5,802.66) ($17,665.36) $94,197.34
($5,651.84) ($7,973.49) ($23,317.20) $92,026.51
($5,521.59) ($10,274.57) ($28,838.79) $89,725.43
($6,280.78) ($12,463.24) ($35,119.57) $87,536.76
($6,127.57) ($14,805.11) ($41,247.14) $85,194.89
($5,963.64) ($17,310.91) ($47,210.78) $82,689.09
($5,788.24) ($19,992.12) ($52,999.02) $80,007.88
($5,600.55) ($22,861.02) ($58,599.57) $77,138.98
($6,171.12) ($25,702.01) ($64,770.69) $74,297.99
($5,943.84) ($28,770.28) ($70,714.53) $71,229.72
($5,698.38) ($32,084.02) ($76,412.91) $67,915.98
($5,433.28) ($35,662.85) ($81,846.19) $64,337.15
($5,146.97) ($39,527.99) ($86,993.16) $60,472.01
($4,233.04) ($43,904.81) ($91,226.20) $56,095.19
($3,926.66) ($48,587.99) ($95,152.86) $51,412.01
($3,598.84) ($53,599.01) ($98,751.70) $46,400.99
($3,248.07) ($58,960.79) ($101,999.77) $41,039.21
($2,872.74) ($64,697.90) ($104,872.52) $35,302.10
($2,118.13) ($70,960.37) ($106,990.64) $29,039.63
($1,742.38) ($77,598.58) ($108,733.02) $22,401.42
($1,344.09) ($84,635.09) ($110,077.11) $15,364.91
($921.89) ($92,093.78) ($110,999.00) $7,906.22
($474.37) ($100,000.00) ($111,473.37) $0.00
 Initial Mortgage Data Payment Adjustments
Interest Rate (Annual) 6.00% Payment Frequency
Amortization (Years) 25 Payments Per Year 12
Principal $100,000 Rate Per Payment 0.50%
Paydown ($100.00) Total Payments 300

Mortgage Analysis
Regular Mortgage
Monthly Payment ($644.30)
Total Payments 300
Total Paid ($193,290)
Savings -
djustments
2 Annual
Monthly
Semi-Monthly
Bi-Weekly
Weekly
Analysis
With Extra Payment
($744.30)
223.4
($166,251)
$27,039