Fin 3330 Case 1

Statement Of Financial Position
Mr. and Mrs. Wilkinson

Balance Sheet as of 12/31/13
Assets
Total Liabilities
Current Assets
Checking (Joint)
Savings Account
Bank CD (Joint)
$
$
$
Current Liabilities
Total Current Liabilities
2,000.00
2,300.00
3,000.00
7,300.00
Investment Assets
401(k) Account (His)
401(k) Account (Her)
Roth IRA (H)
Brokerage Account
Div/Interest Reinvest
$ 108,657.00
$ 65,581.00
$ 4,295.00
$ 3,700.00
$ 1,440.00
$ 183,673.00
Total Investment Assets
Long Term Liabilities

$
Total Current Assets
Harley Davidson Loan

Infiniti Loan
Jeep Auto Loan
BB National CC
Sears CC
Student Loans H
Primary Mortgage
$ 21,000.00
$ 38,500.00
$ 8,500.00
$ 5,237.00
$ 6,200.00
$ 37,380.00
$ 178,000.00
Total Long Term Liabilities
$ 294,817.00
Total Liabilities
$ 294,817.00
Personal Use Assets

Primary Home (VALUE)
Jewelry
Furniture
Boat
2007 Jeep Patriot
Harley Davidson
2010 Infiniti E35
Total Net worth
$ 271,980.00
$ 3,500.00
$ 12,300.00
$ 8,000.00
$ 9,000.00
$ 21,000.00
$ 38,500.00
Total Liabilities and Net Worth
Total Personal Use Assets
$ 364,280.00
Total Assets
$ 555,253.00
$ 260,436.00
$ 555,253.00
Statement of Income and Expenses

Mr. and Mrs. Wilkinson
Statement of Income and Expenses For Past Year and Expected (Approximate)For This Year
Cash Inflows
Todd's Monthly Salary
Sarah's Monthly Salary
Dividend/Interest Income
Living Expenses
$96,000.00
$72,000.00
$1,440.00
$169,440.00
Total Cash Inflows

Cash Outflows
Savings
Todd's 401(k) contributions
Sarah's 401(k) contributions
Cash Savings Contribution
Todd's Roth Contributions
Dividend/ Interest Reinvestment
$3,600.00
$3,600.00
$7,200.00
$2,760.00
$1,440.00
$17,160.00
Total Savings
Debt Payments
Mortgage Payment (PI)
$15,327.84
Infiniti Payment
$5,376.00
Jeep Payment
$3,360.00
Harley Payment
$2,100.00
BB National Credit Card Payment $2,340.00
Sears Credit Card Payment
$2,400.00
Student Loan Payment
$3,360.00
Cable
Alarm System
Entertainment
Dining Out
Hobbies
Landscaping
Maid
Dry Cleaning
Club dues
Charity
Internet
Childcare
Home Repairs
Groceries
Parking & Tolls
Gas
Water
Cell Phone
$1,260.00
$468.00
$4,800.00
$4,800.00
$3,600.00
$3,600.00
$4,800.00
$1,920.00
$1,800.00
$4,200.00
$1,200.00
$14,400.00
$2,400.00
$6,000.00
$540.00
$3,600.00
$960.00
$1,560.00
$61,908.00
Total Living Expenses

Insurance Payments
Auto Insurance
Life Insurance
$3,216.00
$1,200.00
$4,416.00
Total Insurance
$34,263.84
Total Debt Payments
Taxes
Total Taxes (FICA AND INCOME TAX)
$9,600.00
$9,600.00
Total Taxes
PITI- PI= TI
$499.68
T&I (Personal Residence)

Total T&I
Total Savings Expenses & Taxes
Net discretionary Cash Flow
$5,996.16
$5,996.16
$133,344.00
$36,096.00
Amortization Chart
HELP
Loan Amount (pv)

Interest Rate (rate)
# of Periods (Nper)
Payment per Period
Total Interest Paid
183,500
0.35%
180
1,375.79
64,142.54
[42]
15 YEAR REFINANCE
$
200,000
Balance
150,000
Cumulative Interest
Principal Paid
100,000
50,000
0
0
50
100
150
200
250
PERIOD (PAYMENT MONTHLY)
Payment
Amount
Interest
1,375.79
1,375.79
3
4
300
350
400
Cumulative
Interest
Principal
642.25
642.25
733.54
733.54
639.68
1,281.93
736.11
1,469.65
1,375.79
637.11
1,919.04
738.69
2,208.34
1,375.79
634.52
2,553.56
741.27
2,949.61
1,375.79
631.93
3,185.49
743.87
3,693.47
1,375.79
629.32
3,814.81
746.47
4,439.94
1,375.79
626.71
4,441.52
749.08
5,189.02
1,375.79
624.09
5,065.61
751.70
5,940.73
1,375.79
621.46
5,687.06
754.33
6,695.06
10
1,375.79
618.82
6,305.88
756.97
7,452.04
11
1,375.79
616.17
6,922.05
759.62
8,211.66
12
1,375.79
613.51
7,535.56
762.28
8,973.94
13
1,375.79
610.84
8,146.40
764.95
9,738.89
14
1,375.79
608.16
8,754.56
767.63
10,506.52
15
1,375.79
605.48
9,360.04
770.31
11,276.84
16
1,375.79
602.78
9,962.82
773.01
12,049.85
17
1,375.79
600.08
10,562.90
775.72
12,825.56
18
1,375.79
597.36
11,160.26
778.43
13,604.00
19
1,375.79
594.64
11,754.89
781.16
14,385.15
20
1,375.79
591.90
12,346.80
783.89
15,169.04
21
1,375.79
589.16
12,935.95
786.63
15,955.67
Period
Principal Paid
22
1,375.79
586.41
13,522.36
789.39
16,745.06
23
1,375.79
583.64
14,106.00
792.15
17,537.21
24
1,375.79
580.87
14,686.87
794.92
18,332.13
25
1,375.79
578.09
15,264.96
797.70
19,129.84
26
1,375.79
575.30
15,840.26
800.50
19,930.33
27
1,375.79
572.49
16,412.75
803.30
20,733.63
28
1,375.79
569.68
16,982.43
806.11
21,539.74
29
1,375.79
566.86
17,549.29
808.93
22,348.67
30
1,375.79
564.03
18,113.32
811.76
23,160.43
31
1,375.79
561.19
18,674.51
814.60
23,975.04
32
1,375.79
558.34
19,232.85
817.45
24,792.49
33
1,375.79
555.48
19,788.32
820.32
25,612.81
34
1,375.79
552.61
20,340.93
823.19
26,435.99
35
1,375.79
549.72
20,890.65
826.07
27,262.06
36
1,375.79
546.83
21,437.49
828.96
28,091.02
37
1,375.79
543.93
21,981.42
831.86
28,922.88
38
1,375.79
541.02
22,522.44
834.77
29,757.65
39
1,375.79
538.10
23,060.54
837.69
30,595.35
40
1,375.79
535.17
23,595.70
840.63
31,435.97
41
1,375.79
532.22
24,127.93
843.57
32,279.54
42
1,375.79
529.27
24,657.20
846.52
33,126.06
43
1,375.79
526.31
25,183.51
849.48
33,975.54
44
1,375.79
523.34
25,706.84
852.46
34,828.00
45
1,375.79
520.35
26,227.19
855.44
35,683.44
46
1,375.79
517.36
26,744.55
858.43
36,541.87
47
1,375.79
514.35
27,258.91
861.44
37,403.31
48
1,375.79
511.34
27,770.24
864.45
38,267.77
49
1,375.79
508.31
28,278.56
867.48
39,135.25
50
1,375.79
505.28
28,783.83
870.52
40,005.76
51
1,375.79
502.23
29,286.06
873.56
40,879.32
52
1,375.79
499.17
29,785.24
876.62
41,755.94
53
1,375.79
496.10
30,281.34
879.69
42,635.63
54
1,375.79
493.03
30,774.36
882.77
43,518.40
55
1,375.79
489.94
31,264.30
885.86
44,404.25
56
1,375.79
486.84
31,751.14
888.96
45,293.21
57
1,375.79
483.72
32,234.86
892.07
46,185.28
58
1,375.79
480.60
32,715.46
895.19
47,080.47
59
1,375.79
477.47
33,192.93
898.32
47,978.79
60
1,375.79
474.32
33,667.25
901.47
48,880.26
61
1,375.79
471.17
34,138.42
904.62
49,784.88
62
1,375.79
468.00
34,606.43
907.79
50,692.67
63
1,375.79
464.83
35,071.25
910.97
51,603.64
64
1,375.79
461.64
35,532.89
914.15
52,517.79
65
1,375.79
458.44
35,991.33
917.35
53,435.15
66
1,375.79
455.23
36,446.55
920.56
54,355.71
67
1,375.79
452.01
36,898.56
923.79
55,279.50
68
1,375.79
448.77
37,347.33
927.02
56,206.52
69
1,375.79
445.53
37,792.86
930.26
57,136.78
70
1,375.79
442.27
38,235.13
933.52
58,070.30
71
1,375.79
439.00
38,674.13
936.79
59,007.09
72
1,375.79
435.73
39,109.86
940.07
59,947.16
73
1,375.79
432.43
39,542.29
943.36
60,890.51
74
1,375.79
429.13
39,971.43
946.66
61,837.17
75
1,375.79
425.82
40,397.25
949.97
62,787.15
76
1,375.79
422.49
40,819.74
953.30
63,740.44
77
1,375.79
419.16
41,238.90
956.63
64,697.08
78
1,375.79
415.81
41,654.71
959.98
65,657.06
79
1,375.79
412.45
42,067.16
963.34
66,620.40
80
1,375.79
409.08
42,476.24
966.71
67,587.11
81
1,375.79
405.70
42,881.93
970.10
68,557.21
82
1,375.79
402.30
43,284.23
973.49
69,530.70
83
1,375.79
398.89
43,683.13
976.90
70,507.60
84
1,375.79
395.47
44,078.60
980.32
71,487.92
85
1,375.79
392.04
44,470.64
983.75
72,471.67
86
1,375.79
388.60
44,859.24
987.19
73,458.86
87
1,375.79
385.14
45,244.38
990.65
74,449.51
88
1,375.79
381.68
45,626.06
994.12
75,443.62
89
1,375.79
378.20
46,004.26
997.59
76,441.22
90
1,375.79
374.71
46,378.96
1,001.09
77,442.30
91
1,375.79
371.20
46,750.17
1,004.59
78,446.89
92
1,375.79
367.69
47,117.85
1,008.11
79,455.00
93
1,375.79
364.16
47,482.01
1,011.63
80,466.64
94
1,375.79
360.62
47,842.63
1,015.18
81,481.81
95
1,375.79
357.06
48,199.69
1,018.73
82,500.54
96
1,375.79
353.50
48,553.19
1,022.29
83,522.83
97
1,375.79
349.92
48,903.11
1,025.87
84,548.70
98
1,375.79
346.33
49,249.44
1,029.46
85,578.17
99
1,375.79
342.73
49,592.16
1,033.07
86,611.23
100
1,375.79
339.11
49,931.27
1,036.68
87,647.91
101
1,375.79
335.48
50,266.76
1,040.31
88,688.22
102
1,375.79
331.84
50,598.60
1,043.95
89,732.17
103
1,375.79
328.19
50,926.79
1,047.60
90,779.78
104
1,375.79
324.52
51,251.31
1,051.27
91,831.05
105
1,375.79
320.84
51,572.15
1,054.95
92,886.00
106
1,375.79
317.15
51,889.30
1,058.64
93,944.64
107
1,375.79
313.44
52,202.74
1,062.35
95,006.99
108
1,375.79
309.73
52,512.47
1,066.07
96,073.06
109
1,375.79
305.99
52,818.46
1,069.80
97,142.85
110
1,375.79
302.25
53,120.71
1,073.54
98,216.40
111
1,375.79
298.49
53,419.20
1,077.30
99,293.70
112
1,375.79
294.72
53,713.93
1,081.07
100,374.77
113
1,375.79
290.94
54,004.86
1,084.85
101,459.62
114
1,375.79
287.14
54,292.00
1,088.65
102,548.27
115
1,375.79
283.33
54,575.34
1,092.46
103,640.73
116
1,375.79
279.51
54,854.84
1,096.28
104,737.01
117
1,375.79
275.67
55,130.51
1,100.12
105,837.14
118
1,375.79
271.82
55,402.33
1,103.97
106,941.11
119
1,375.79
267.96
55,670.29
1,107.84
108,048.94
120
1,375.79
264.08
55,934.37
1,111.71
109,160.66
121
1,375.79
260.19
56,194.56
1,115.60
110,276.26
122
1,375.79
256.28
56,450.84
1,119.51
111,395.77
123
1,375.79
252.36
56,703.20
1,123.43
112,519.20
124
1,375.79
248.43
56,951.64
1,127.36
113,646.56
125
1,375.79
244.49
57,196.12
1,131.30
114,777.86
126
1,375.79
240.53
57,436.65
1,135.26
115,913.13
127
1,375.79
236.55
57,673.21
1,139.24
117,052.36
128
1,375.79
232.57
57,905.77
1,143.23
118,195.59
129
1,375.79
228.57
58,134.34
1,147.23
119,342.81
130
1,375.79
224.55
58,358.89
1,151.24
120,494.06
131
1,375.79
220.52
58,579.41
1,155.27
121,649.33
132
1,375.79
216.48
58,795.89
1,159.31
122,808.64
133
1,375.79
212.42
59,008.31
1,163.37
123,972.01
134
1,375.79
208.35
59,216.65
1,167.44
125,139.46
135
1,375.79
204.26
59,420.92
1,171.53
126,310.99
136
1,375.79
200.16
59,621.08
1,175.63
127,486.62
137
1,375.79
196.05
59,817.12
1,179.75
128,666.36
138
1,375.79
191.92
60,009.04
1,183.87
129,850.24
139
1,375.79
187.77
60,196.82
1,188.02
131,038.26
140
1,375.79
183.62
60,380.43
1,192.18
132,230.43
141
1,375.79
179.44
60,559.88
1,196.35
133,426.78
142
1,375.79
175.26
60,735.13
1,200.54
134,627.32
143
1,375.79
171.05
60,906.19
1,204.74
135,832.05
144
1,375.79
166.84
61,073.02
1,208.95
137,041.01
145
1,375.79
162.61
61,235.63
1,213.19
138,254.19
146
1,375.79
158.36
61,393.99
1,217.43
139,471.62
147
1,375.79
154.10
61,548.09
1,221.69
140,693.32
148
1,375.79
149.82
61,697.91
1,225.97
141,919.28
149
1,375.79
145.53
61,843.45
1,230.26
143,149.54
150
1,375.79
141.23
61,984.67
1,234.57
144,384.11
151
1,375.79
136.91
62,121.58
1,238.89
145,623.00
152
1,375.79
132.57
62,254.15
1,243.22
146,866.22
153
1,375.79
128.22
62,382.37
1,247.57
148,113.79
154
1,375.79
123.85
62,506.22
1,251.94
149,365.73
155
1,375.79
119.47
62,625.69
1,256.32
150,622.05
156
1,375.79
115.07
62,740.76
1,260.72
151,882.77
157
1,375.79
110.66
62,851.42
1,265.13
153,147.90
158
1,375.79
106.23
62,957.65
1,269.56
154,417.46
159
1,375.79
101.79
63,059.44
1,274.00
155,691.47
160
1,375.79
97.33
63,156.77
1,278.46
156,969.93
161
1,375.79
92.86
63,249.63
1,282.94
158,252.87
162
1,375.79
88.36
63,337.99
1,287.43
159,540.29
163
1,375.79
83.86
63,421.85
1,291.93
160,832.23
164
1,375.79
79.34
63,501.19
1,296.45
162,128.68
165
1,375.79
74.80
63,575.99
1,300.99
163,429.67
166
1,375.79
70.25
63,646.23
1,305.55
164,735.22
167
1,375.79
65.68
63,711.91
1,310.12
166,045.33
168
1,375.79
61.09
63,773.00
1,314.70
167,360.03
169
1,375.79
56.49
63,829.49
1,319.30
168,679.34
170
1,375.79
51.87
63,881.36
1,323.92
170,003.26
171
1,375.79
47.24
63,928.60
1,328.55
171,331.81
172
1,375.79
42.59
63,971.19
1,333.20
172,665.01
173
1,375.79
37.92
64,009.11
1,337.87
174,002.88
174
1,375.79
33.24
64,042.35
1,342.55
175,345.43
175
1,375.79
28.54
64,070.89
1,347.25
176,692.68
176
1,375.79
23.83
64,094.72
1,351.97
178,044.65
177
1,375.79
19.09
64,113.81
1,356.70
179,401.35
178
1,375.79
14.35
64,128.16
1,361.45
180,762.79
179
1,375.79
9.58
64,137.74
1,366.21
182,129.01
180
1,375.79
4.80
64,142.54
1,370.99
183,500.00
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15 Year Refinancing Option

Payments= $1,375.79
Interest Paid= $64,142.54
Principal= $183,500 (includes refinance fee)
Total Paid= $247,642.54
HR 1= 13.28%
HR 2= 24.45%
Pros: house will be paid off faster, pay less
interest, build equity in house faster, lower
interest rate, wont be "locked" into house for 30
years, due to net discretionary cash flow your
financial position would not be at risk.
Cons: opportunity cost of investments (stocks,

retirement, education, etc.), higher payments,
tax deduction not as favorable as a 30 year
mortgage, tougher to build up savings account.
Balance
$
183,500.00
182,766.46
182,030.35
181,291.66
180,550.39
179,806.53
179,060.06
178,310.98
177,559.27
176,804.94
176,047.96
175,288.34
174,526.06
173,761.11
172,993.48
172,223.16
171,450.15
170,674.44
169,896.00
169,114.85
168,330.96
167,544.33
166,754.94
165,962.79
165,167.87
164,370.16
163,569.67
162,766.37
161,960.26
161,151.33
160,339.57
159,524.96
158,707.51
157,887.19
157,064.01
156,237.94
155,408.98
154,577.12
153,742.35
152,904.65
152,064.03
151,220.46
150,373.94
149,524.46
148,672.00
147,816.56
146,958.13
146,096.69
145,232.23
144,364.75
143,494.24
142,620.68
141,744.06
140,864.37
139,981.60
139,095.75
138,206.79
137,314.72
136,419.53
135,521.21
134,619.74
133,715.12
132,807.33
131,896.36
130,982.21
130,064.85
129,144.29
128,220.50
127,293.48
126,363.22
125,429.70
124,492.91
123,552.84
122,609.49
121,662.83
120,712.85
119,759.56
118,802.92
117,842.94
116,879.60
115,912.89
114,942.79
113,969.30
112,992.40
112,012.08
111,028.33
110,041.14
109,050.49
108,056.38
107,058.78
106,057.70
105,053.11
104,045.00
103,033.36
102,018.19
100,999.46
99,977.17
98,951.30
97,921.83
96,888.77
95,852.09
94,811.78
93,767.83
92,720.22
91,668.95
90,614.00
89,555.36
88,493.01
87,426.94
86,357.15
85,283.60
84,206.30
83,125.23
82,040.38
80,951.73
79,859.27
78,762.99
77,662.86
76,558.89
75,451.06
74,339.34
73,223.74
72,104.23
70,980.80
69,853.44
68,722.14
67,586.87
66,447.64
65,304.41
64,157.19
63,005.94
61,850.67
60,691.36
59,527.99
58,360.54
57,189.01
56,013.38
54,833.64
53,649.76
52,461.74
51,269.57
50,073.22
48,872.68
47,667.95
46,458.99
45,245.81
44,028.38
42,806.68
41,580.72
40,350.46
39,115.89
37,877.00
36,633.78
35,386.21
34,134.27
32,877.95
31,617.23
30,352.10
29,082.54
27,808.53
26,530.07
25,247.13
23,959.71
22,667.77
21,371.32
20,070.33
18,764.78
17,454.67
16,139.97
14,820.66
13,496.74
12,168.19
10,834.99
9,497.12
8,154.57
6,807.32
5,455.35
4,098.65
2,737.21
1,370.99
0.00
-
Amortization Chart
HELP
Loan Amount (pv)

# of Periods (Nper)
Payment per Period
Total Interest Paid
183,500
0.38%
360
940.70
155,152.87
[42]
30 YEAR REFINANCE
$
200,000
Balance
Cumulative Interest
Principal Paid
180,000
160,000
140,000
120,000
100,000
80,000
60,000
40,000
20,000
0
0
Period
50
Payment
Amount
100
150
200
250
Cumulative
PERIOD (PAYMENT MONTHLY)
Interest
300
350
400
Interest
Principal
Principal Paid
940.70
703.42
703.42
237.29
237.29
940.70
702.51
1,405.92
238.20
475.48
940.70
701.59
2,107.52
239.11
714.59
940.70
700.68
2,808.20
240.03
954.61
940.70
699.76
3,507.95
240.95
1,195.56
940.70
698.83
4,206.79
241.87
1,437.43
940.70
697.91
4,904.69
242.80
1,680.22
940.70
696.98
5,601.67
243.73
1,923.95
940.70
696.04
6,297.71
244.66
2,168.61
10
940.70
695.10
6,992.81
245.60
2,414.21
11
940.70
694.16
7,686.98
246.54
2,660.75
12
940.70
693.22
8,380.19
247.49
2,908.24
13
940.70
692.27
9,072.46
248.43
3,156.67
14
940.70
691.32
9,763.78
249.39
3,406.06
15
940.70
690.36
10,454.14
250.34
3,656.40
16
940.70
689.40
11,143.54
251.30
3,907.70
17
940.70
688.44
11,831.98
252.27
4,159.97
18
940.70
687.47
12,519.45
253.23
4,413.20
19
940.70
686.50
13,205.94
254.20
4,667.40
20
940.70
685.52
13,891.47
255.18
4,922.58
21
940.70
684.55
14,576.02
256.16
5,178.73
22
940.70
683.56
15,259.58
257.14
5,435.87
23
940.70
682.58
15,942.16
258.12
5,694.00
24
940.70
681.59
16,623.75
259.11
5,953.11
25
940.70
680.60
17,304.35
260.11
6,213.21
26
940.70
679.60
17,983.95
261.10
6,474.32
27
940.70
678.60
18,662.54
262.10
6,736.42
28
940.70
677.59
19,340.14
263.11
6,999.53
29
940.70
676.59
20,016.72
264.12
7,263.65
30
940.70
675.57
20,692.30
265.13
7,528.78
31
940.70
674.56
21,366.85
266.15
7,794.92
32
940.70
673.54
22,040.39
267.17
8,062.09
33
940.70
672.51
22,712.90
268.19
8,330.28
34
940.70
671.48
23,384.38
269.22
8,599.50
35
940.70
670.45
24,054.84
270.25
8,869.75
36
940.70
669.42
24,724.25
271.29
9,141.03
37
940.70
668.38
25,392.63
272.33
9,413.36
38
940.70
667.33
26,059.96
273.37
9,686.73
39
940.70
666.28
26,726.24
274.42
9,961.15
40
940.70
665.23
27,391.48
275.47
10,236.62
41
940.70
664.18
28,055.65
276.53
10,513.15
42
940.70
663.12
28,718.77
277.59
10,790.73
43
940.70
662.05
29,380.82
278.65
11,069.38
44
940.70
660.98
30,041.81
279.72
11,349.10
45
940.70
659.91
30,701.72
280.79
11,629.89
46
940.70
658.84
31,360.55
281.87
11,911.76
47
940.70
657.75
32,018.31
282.95
12,194.71
48
940.70
656.67
32,674.98
284.03
12,478.74
49
940.70
655.58
33,330.56
285.12
12,763.86
50
940.70
654.49
33,985.05
286.21
13,050.07
51
940.70
653.39
34,638.44
287.31
13,337.38
52
940.70
652.29
35,290.73
288.41
13,625.80
53
940.70
651.18
35,941.91
289.52
13,915.31
54
940.70
650.07
36,591.99
290.63
14,205.94
55
940.70
648.96
37,240.95
291.74
14,497.68
56
940.70
647.84
37,888.79
292.86
14,790.54
57
940.70
646.72
38,535.51
293.98
15,084.53
58
940.70
645.59
39,181.10
295.11
15,379.64
59
940.70
644.46
39,825.57
296.24
15,675.88
60
940.70
643.33
40,468.89
297.38
15,973.25
61
940.70
642.19
41,111.08
298.52
16,271.77
62
940.70
641.04
41,752.12
299.66
16,571.43
63
940.70
639.89
42,392.01
300.81
16,872.24
64
940.70
638.74
43,030.75
301.96
17,174.20
65
940.70
637.58
43,668.33
303.12
17,477.32
66
940.70
636.42
44,304.75
304.28
17,781.61
67
940.70
635.25
44,940.01
305.45
18,087.05
68
940.70
634.08
45,574.09
306.62
18,393.67
69
940.70
632.91
46,207.00
307.79
18,701.47
70
940.70
631.73
46,838.73
308.97
19,010.44
71
940.70
630.54
47,469.27
310.16
19,320.60
72
940.70
629.35
48,098.62
311.35
19,631.95
73
940.70
628.16
48,726.78
312.54
19,944.49
74
940.70
626.96
49,353.75
313.74
20,258.23
75
940.70
625.76
49,979.51
314.94
20,573.17
76
940.70
624.55
50,604.06
316.15
20,889.32
77
940.70
623.34
51,227.40
317.36
21,206.69
78
940.70
622.12
51,849.52
318.58
21,525.26
79
940.70
620.90
52,470.43
319.80
21,845.06
80
940.70
619.68
53,090.11
321.03
22,166.09
81
940.70
618.45
53,708.55
322.26
22,488.34
82
940.70
617.21
54,325.76
323.49
22,811.83
83
940.70
615.97
54,941.73
324.73
23,136.57
84
940.70
614.73
55,556.46
325.98
23,462.54
85
940.70
613.48
56,169.94
327.23
23,789.77
86
940.70
612.22
56,782.16
328.48
24,118.25
87
940.70
610.96
57,393.12
329.74
24,447.99
88
940.70
609.70
58,002.82
331.00
24,778.99
89
940.70
608.43
58,611.25
332.27
25,111.26
90
940.70
607.16
59,218.41
333.55
25,444.81
91
940.70
605.88
59,824.29
334.82
25,779.63
92
940.70
604.59
60,428.88
336.11
26,115.74
93
940.70
603.31
61,032.19
337.40
26,453.13
94
940.70
602.01
61,634.20
338.69
26,791.82
95
940.70
600.71
62,234.92
339.99
27,131.81
96
940.70
599.41
62,834.33
341.29
27,473.10
97
940.70
598.10
63,432.43
342.60
27,815.70
98
940.70
596.79
64,029.22
343.91
28,159.61
99
940.70
595.47
64,624.69
345.23
28,504.85
100
940.70
594.15
65,218.84
346.55
28,851.40
101
940.70
592.82
65,811.66
347.88
29,199.28
102
940.70
591.49
66,403.15
349.22
29,548.50
103
940.70
590.15
66,993.29
350.55
29,899.05
104
940.70
588.80
67,582.10
351.90
30,250.95
105
940.70
587.45
68,169.55
353.25
30,604.20
106
940.70
586.10
68,755.65
354.60
30,958.80
107
940.70
584.74
69,340.39
355.96
31,314.76
108
940.70
583.38
69,923.77
357.33
31,672.09
109
940.70
582.01
70,505.78
358.70
32,030.78
110
940.70
580.63
71,086.41
360.07
32,390.86
111
940.70
579.25
71,665.66
361.45
32,752.31
112
940.70
577.87
72,243.53
362.84
33,115.14
113
940.70
576.48
72,820.00
364.23
33,479.37
114
940.70
575.08
73,395.08
365.62
33,844.99
115
940.70
573.68
73,968.76
367.02
34,212.02
116
940.70
572.27
74,541.03
368.43
34,580.45
117
940.70
570.86
75,111.89
369.84
34,950.29
118
940.70
569.44
75,681.33
371.26
35,321.56
119
940.70
568.02
76,249.35
372.69
35,694.24
120
940.70
566.59
76,815.94
374.11
36,068.35
121
940.70
565.15
77,381.09
375.55
36,443.90
122
940.70
563.72
77,944.81
376.99
36,820.89
123
940.70
562.27
78,507.08
378.43
37,199.32
124
940.70
560.82
79,067.89
379.88
37,579.20
125
940.70
559.36
79,627.26
381.34
37,960.54
126
940.70
557.90
80,185.16
382.80
38,343.35
127
940.70
556.43
80,741.59
384.27
38,727.61
128
940.70
554.96
81,296.55
385.74
39,113.36
129
940.70
553.48
81,850.04
387.22
39,500.58
130
940.70
552.00
82,402.03
388.70
39,889.28
131
940.70
550.51
82,952.54
390.19
40,279.48
132
940.70
549.01
83,501.55
391.69
40,671.17
133
940.70
547.51
84,049.06
393.19
41,064.36
134
940.70
546.00
84,595.07
394.70
41,459.06
135
940.70
544.49
85,139.56
396.21
41,855.27
136
940.70
542.97
85,682.53
397.73
42,253.00
137
940.70
541.45
86,223.98
399.26
42,652.26
138
940.70
539.92
86,763.89
400.79
43,053.04
139
940.70
538.38
87,302.27
402.32
43,455.36
140
940.70
536.84
87,839.11
403.86
43,859.23
141
940.70
535.29
88,374.40
405.41
44,264.64
142
940.70
533.74
88,908.14
406.97
44,671.61
143
940.70
532.18
89,440.31
408.53
45,080.13
144
940.70
530.61
89,970.92
410.09
45,490.23
145
940.70
529.04
90,499.96
411.66
45,901.89
146
940.70
527.46
91,027.42
413.24
46,315.14
147
940.70
525.88
91,553.29
414.83
46,729.96
148
940.70
524.29
92,077.58
416.42
47,146.38
149
940.70
522.69
92,600.27
418.01
47,564.39
150
940.70
521.09
93,121.35
419.62
47,984.01
151
940.70
519.48
93,640.83
421.22
48,405.23
152
940.70
517.86
94,158.69
422.84
48,828.07
153
940.70
516.24
94,674.94
424.46
49,252.53
154
940.70
514.62
95,189.55
426.09
49,678.62
155
940.70
512.98
95,702.53
427.72
50,106.34
156
940.70
511.34
96,213.88
429.36
50,535.70
157
940.70
509.70
96,723.57
431.01
50,966.71
158
940.70
508.04
97,231.62
432.66
51,399.36
159
940.70
506.39
97,738.00
434.32
51,833.68
160
940.70
504.72
98,242.72
435.98
52,269.66
161
940.70
503.05
98,745.77
437.65
52,707.32
162
940.70
501.37
99,247.15
439.33
53,146.65
163
940.70
499.69
99,746.83
441.01
53,587.66
164
940.70
498.00
100,244.83
442.71
54,030.37
165
940.70
496.30
100,741.13
444.40
54,474.77
166
940.70
494.60
101,235.73
446.11
54,920.87
167
940.70
492.89
101,728.61
447.82
55,368.69
168
940.70
491.17
102,219.78
449.53
55,818.22
169
940.70
489.45
102,709.23
451.26
56,269.48
170
940.70
487.72
103,196.95
452.99
56,722.46
171
940.70
485.98
103,682.93
454.72
57,177.18
172
940.70
484.24
104,167.17
456.46
57,633.65
173
940.70
482.49
104,649.65
458.21
58,091.86
174
940.70
480.73
105,130.38
459.97
58,551.84
175
940.70
478.97
105,609.35
461.73
59,013.57
176
940.70
477.20
106,086.55
463.50
59,477.07
177
940.70
475.42
106,561.97
465.28
59,942.36
178
940.70
473.64
107,035.61
467.06
60,409.42
179
940.70
471.85
107,507.46
468.86
60,878.28
180
940.70
470.05
107,977.51
470.65
61,348.93
181
940.70
468.25
108,445.75
472.46
61,821.38
182
940.70
466.43
108,912.19
474.27
62,295.65
183
940.70
464.62
109,376.80
476.09
62,771.74
184
940.70
462.79
109,839.60
477.91
63,249.65
185
940.70
460.96
110,300.56
479.74
63,729.39
186
940.70
459.12
110,759.68
481.58
64,210.97
187
940.70
457.27
111,216.95
483.43
64,694.40
188
940.70
455.42
111,672.37
485.28
65,179.68
189
940.70
453.56
112,125.93
487.14
65,666.82
190
940.70
451.69
112,577.63
489.01
66,155.83
191
940.70
449.82
113,027.45
490.88
66,646.72
192
940.70
447.94
113,475.38
492.76
67,139.48
193
940.70
446.05
113,921.43
494.65
67,634.13
194
940.70
444.15
114,365.58
496.55
68,130.68
195
940.70
442.25
114,807.83
498.45
68,629.14
196
940.70
440.34
115,248.17
500.36
69,129.50
197
940.70
438.42
115,686.59
502.28
69,631.78
198
940.70
436.49
116,123.09
504.21
70,135.99
199
940.70
434.56
116,557.65
506.14
70,642.13
200
940.70
432.62
116,990.27
508.08
71,150.21
201
940.70
430.67
117,420.95
510.03
71,660.24
202
940.70
428.72
117,849.66
511.98
72,172.22
203
940.70
426.76
118,276.42
513.95
72,686.17
204
940.70
424.79
118,701.21
515.92
73,202.09
205
940.70
422.81
119,124.02
517.89
73,719.98
206
940.70
420.82
119,544.84
519.88
74,239.86
207
940.70
418.83
119,963.67
521.87
74,761.73
208
940.70
416.83
120,380.50
523.87
75,285.60
209
940.70
414.82
120,795.32
525.88
75,811.48
210
940.70
412.81
121,208.13
527.90
76,339.38
211
940.70
410.78
121,618.91
529.92
76,869.30
212
940.70
408.75
122,027.66
531.95
77,401.25
213
940.70
406.71
122,434.37
533.99
77,935.24
214
940.70
404.66
122,839.04
536.04
78,471.28
215
940.70
402.61
123,241.65
538.09
79,009.37
216
940.70
400.55
123,642.20
540.16
79,549.53
217
940.70
398.48
124,040.67
542.23
80,091.75
218
940.70
396.40
124,437.07
544.30
80,636.06
219
940.70
394.31
124,831.38
546.39
81,182.45
220
940.70
392.22
125,223.60
548.49
81,730.93
221
940.70
390.11
125,613.71
550.59
82,281.52
222
940.70
388.00
126,001.72
552.70
82,834.22
223
940.70
385.89
126,387.60
554.82
83,389.03
224
940.70
383.76
126,771.36
556.94
83,945.98
225
940.70
381.62
127,152.99
559.08
84,505.06
226
940.70
379.48
127,532.47
561.22
85,066.28
227
940.70
377.33
127,909.80
563.37
85,629.65
228
940.70
375.17
128,284.97
565.53
86,195.18
229
940.70
373.00
128,657.97
567.70
86,762.89
230
940.70
370.83
129,028.79
569.88
87,332.76
231
940.70
368.64
129,397.43
572.06
87,904.82
232
940.70
366.45
129,763.88
574.25
88,479.08
233
940.70
364.25
130,128.13
576.46
89,055.53
234
940.70
362.04
130,490.17
578.67
89,634.20
235
940.70
359.82
130,849.99
580.88
90,215.08
236
940.70
357.59
131,207.58
583.11
90,798.19
237
940.70
355.36
131,562.93
585.35
91,383.54
238
940.70
353.11
131,916.05
587.59
91,971.13
239
940.70
350.86
132,266.91
589.84
92,560.97
240
940.70
348.60
132,615.51
592.10
93,153.07
241
940.70
346.33
132,961.84
594.37
93,747.44
242
940.70
344.05
133,305.89
596.65
94,344.10
243
940.70
341.76
133,647.65
598.94
94,943.03
244
940.70
339.47
133,987.12
601.23
95,544.27
245
940.70
337.16
134,324.29
603.54
96,147.81
246
940.70
334.85
134,659.14
605.85
96,753.66
247
940.70
332.53
134,991.66
608.17
97,361.83
248
940.70
330.20
135,321.86
610.51
97,972.34
249
940.70
327.86
135,649.72
612.85
98,585.19
250
940.70
325.51
135,975.22
615.20
99,200.38
251
940.70
323.15
136,298.37
617.55
99,817.94
252
940.70
320.78
136,619.15
619.92
100,437.86
253
940.70
318.40
136,937.56
622.30
101,060.15
254
940.70
316.02
137,253.58
624.68
101,684.84
255
940.70
313.62
137,567.20
627.08
102,311.91
256
940.70
311.22
137,878.42
629.48
102,941.40
257
940.70
308.81
138,187.23
631.89
103,573.29
258
940.70
306.39
138,493.62
634.32
104,207.61
259
940.70
303.95
138,797.57
636.75
104,844.36
260
940.70
301.51
139,099.08
639.19
105,483.54
261
940.70
299.06
139,398.15
641.64
106,125.18
262
940.70
296.60
139,694.75
644.10
106,769.28
263
940.70
294.13
139,988.88
646.57
107,415.85
264
940.70
291.66
140,280.54
649.05
108,064.90
265
940.70
289.17
140,569.71
651.53
108,716.43
266
940.70
286.67
140,856.38
654.03
109,370.46
267
940.70
284.16
141,140.54
656.54
110,027.00
268
940.70
281.65
141,422.19
659.06
110,686.06
269
940.70
279.12
141,701.31
661.58
111,347.64
270
940.70
276.58
141,977.89
664.12
112,011.76
271
940.70
274.04
142,251.93
666.66
112,678.42
272
940.70
271.48
142,523.41
669.22
113,347.64
273
940.70
268.92
142,792.33
671.79
114,019.43
274
940.70
266.34
143,058.67
674.36
114,693.79
275
940.70
263.76
143,322.43
676.95
115,370.73
276
940.70
261.16
143,583.59
679.54
116,050.27
277
940.70
258.56
143,842.15
682.15
116,732.42
278
940.70
255.94
144,098.09
684.76
117,417.18
279
940.70
253.32
144,351.41
687.38
118,104.56
280
940.70
250.68
144,602.09
690.02
118,794.58
281
940.70
248.04
144,850.13
692.66
119,487.25
282
940.70
245.38
145,095.51
695.32
120,182.57
283
940.70
242.72
145,338.23
697.99
120,880.56
284
940.70
240.04
145,578.27
700.66
121,581.22
285
940.70
237.36
145,815.63
703.35
122,284.56
286
940.70
234.66
146,050.28
706.04
122,990.61
287
940.70
231.95
146,282.24
708.75
123,699.36
288
940.70
229.24
146,511.47
711.47
124,410.82
289
940.70
226.51
146,737.98
714.19
125,125.02
290
940.70
223.77
146,961.75
716.93
125,841.95
291
940.70
221.02
147,182.77
719.68
126,561.63
292
940.70
218.26
147,401.04
722.44
127,284.07
293
940.70
215.49
147,616.53
725.21
128,009.27
294
940.70
212.71
147,829.25
727.99
128,737.26
295
940.70
209.92
148,039.17
730.78
129,468.04
296
940.70
207.12
148,246.29
733.58
130,201.62
297
940.70
204.31
148,450.60
736.39
130,938.01
298
940.70
201.49
148,652.09
739.21
131,677.23
299
940.70
198.65
148,850.75
742.05
132,419.28
300
940.70
195.81
149,046.56
744.89
133,164.17
301
940.70
192.95
149,239.51
747.75
133,911.92
302
940.70
190.09
149,429.60
750.61
134,662.53
303
940.70
187.21
149,616.81
753.49
135,416.02
304
940.70
184.32
149,801.13
756.38
136,172.41
305
940.70
181.42
149,982.55
759.28
136,931.69
306
940.70
178.51
150,161.06
762.19
137,693.88
307
940.70
175.59
150,336.65
765.11
138,458.99
308
940.70
172.66
150,509.31
768.05
139,227.03
309
940.70
169.71
150,679.02
770.99
139,998.02
310
940.70
166.76
150,845.78
773.94
140,771.97
311
940.70
163.79
151,009.57
776.91
141,548.88
312
940.70
160.81
151,170.38
779.89
142,328.77
313
940.70
157.82
151,328.21
782.88
143,111.65
314
940.70
154.82
151,483.03
785.88
143,897.53
315
940.70
151.81
151,634.84
788.89
144,686.42
316
940.70
148.79
151,783.62
791.92
145,478.34
317
940.70
145.75
151,929.37
794.95
146,273.29
318
940.70
142.70
152,072.08
798.00
147,071.29
319
940.70
139.64
152,211.72
801.06
147,872.35
320
940.70
136.57
152,348.29
804.13
148,676.48
321
940.70
133.49
152,481.78
807.21
149,483.69
322
940.70
130.40
152,612.18
810.31
150,294.00
323
940.70
127.29
152,739.47
813.41
151,107.41
324
940.70
124.17
152,863.64
816.53
151,923.94
325
940.70
121.04
152,984.68
819.66
152,743.60
326
940.70
117.90
153,102.58
822.80
153,566.41
327
940.70
114.75
153,217.33
825.96
154,392.36
328
940.70
111.58
153,328.91
829.12
155,221.49
329
940.70
108.40
153,437.31
832.30
156,053.79
330
940.70
105.21
153,542.52
835.49
156,889.28
331
940.70
102.01
153,644.52
838.69
157,727.97
332
940.70
98.79
153,743.32
841.91
158,569.88
333
940.70
95.57
153,838.88
845.14
159,415.02
334
940.70
92.33
153,931.21
848.38
160,263.40
335
940.70
89.07
154,020.28
851.63
161,115.03
336
940.70
85.81
154,106.09
854.89
161,969.92
337
940.70
82.53
154,188.62
858.17
162,828.09
338
940.70
79.24
154,267.87
861.46
163,689.55
339
940.70
75.94
154,343.81
864.76
164,554.31
340
940.70
72.63
154,416.43
868.08
165,422.39
341
940.70
69.30
154,485.73
871.40
166,293.80
342
940.70
65.96
154,551.69
874.75
167,168.54
343
940.70
62.60
154,614.29
878.10
168,046.64
344
940.70
59.24
154,673.53
881.46
168,928.10
345
940.70
55.86
154,729.39
884.84
169,812.95
346
940.70
52.47
154,781.85
888.24
170,701.18
347
940.70
49.06
154,830.92
891.64
171,592.82
348
940.70
45.64
154,876.56
895.06
172,487.88
349
940.70
42.21
154,918.77
898.49
173,386.37
350
940.70
38.77
154,957.54
901.93
174,288.30
351
940.70
35.31
154,992.85
905.39
175,193.69
352
940.70
31.84
155,024.69
908.86
176,102.56
353
940.70
28.36
155,053.05
912.35
177,014.90
354
940.70
24.86
155,077.91
915.84
177,930.74
355
940.70
21.35
155,099.26
919.35
178,850.10
356
940.70
17.82
155,117.08
922.88
179,772.98
357
940.70
14.29
155,131.37
926.42
180,699.39
358
940.70
10.74
155,142.11
929.97
181,629.36
359
940.70
7.17
155,149.28
933.53
182,562.89
360
940.70
3.59
155,152.87
937.11
183,500.00
#N/A
30 Year Refinancing Option

Payments= $940.70
Interest Paid= $155,152.87
Principal= $183,500 (includes refinance fee)
Total Paid= $338,652.87
HR 1= 10.20%
HR 2= 21.38%
Pros: lower payment, able to build up savings
account, more money to use on investments,
favorable tax deduction, flexibility allows you to
make more payments towards principle when
you're able to
Cons: may be hard to sell down the road if you

want to move, higher interest rate, takes longer
to pay off, paying more interest, less equity going
into home.
Balance
$
183,500.00
183,262.71
183,024.52
182,785.41
182,545.39
182,304.44
182,062.57
181,819.78
181,576.05
181,331.39
181,085.79
180,839.25
180,591.76
180,343.33
180,093.94
179,843.60
179,592.30
179,340.03
179,086.80
178,832.60
178,577.42
178,321.27
178,064.13
177,806.00
177,546.89
177,286.79
177,025.68
176,763.58
176,500.47
176,236.35
175,971.22
175,705.08
175,437.91
175,169.72
174,900.50
174,630.25
174,358.97
174,086.64
173,813.27
173,538.85
173,263.38
172,986.85
172,709.27
172,430.62
172,150.90
171,870.11
171,588.24
171,305.29
171,021.26
170,736.14
170,449.93
170,162.62
169,874.20
169,584.69
169,294.06
169,002.32
168,709.46
168,415.47
168,120.36
167,824.12
167,526.75
167,228.23
166,928.57
166,627.76
166,325.80
166,022.68
165,718.39
165,412.95
165,106.33
164,798.53
164,489.56
164,179.40
163,868.05
163,555.51
163,241.77
162,926.83
162,610.68
162,293.31
161,974.74
161,654.94
161,333.91
161,011.66
160,688.17
160,363.43
160,037.46
159,710.23
159,381.75
159,052.01
158,721.01
158,388.74
158,055.19
157,720.37
157,384.26
157,046.87
156,708.18
156,368.19
156,026.90
155,684.30
155,340.39
154,995.15
154,648.60
154,300.72
153,951.50
153,600.95
153,249.05
152,895.80
152,541.20
152,185.24
151,827.91
151,469.22
151,109.14
150,747.69
150,384.86
150,020.63
149,655.01
149,287.98
148,919.55
148,549.71
148,178.44
147,805.76
147,431.65
147,056.10
146,679.11
146,300.68
145,920.80
145,539.46
145,156.65
144,772.39
144,386.64
143,999.42
143,610.72
143,220.52
142,828.83
142,435.64
142,040.94
141,644.73
141,247.00
140,847.74
140,446.96
140,044.64
139,640.77
139,235.36
138,828.39
138,419.87
138,009.77
137,598.11
137,184.86
136,770.04
136,353.62
135,935.61
135,515.99
135,094.77
134,671.93
134,247.47
133,821.38
133,393.66
132,964.30
132,533.29
132,100.64
131,666.32
131,230.34
130,792.68
130,353.35
129,912.34
129,469.63
129,025.23
128,579.13
128,131.31
127,681.78
127,230.52
126,777.54
126,322.82
125,866.35
125,408.14
124,948.16
124,486.43
124,022.93
123,557.64
123,090.58
122,621.72
122,151.07
121,678.62
121,204.35
120,728.26
120,250.35
119,770.61
119,289.03
118,805.60
118,320.32
117,833.18
117,344.17
116,853.28
116,360.52
115,865.87
115,369.32
114,870.86
114,370.50
113,868.22
113,364.01
112,857.87
112,349.79
111,839.76
111,327.78
110,813.83
110,297.91
109,780.02
109,260.14
108,738.27
108,214.40
107,688.52
107,160.62
106,630.70
106,098.75
105,564.76
105,028.72
104,490.63
103,950.47
103,408.25
102,863.94
102,317.55
101,769.07
101,218.48
100,665.78
100,110.97
99,554.02
98,994.94
98,433.72
97,870.35
97,304.82
96,737.11
96,167.24
95,595.18
95,020.92
94,444.47
93,865.80
93,284.92
92,701.81
92,116.46
91,528.87
90,939.03
90,346.93
89,752.56
89,155.90
88,556.97
87,955.73
87,352.19
86,746.34
86,138.17
85,527.66
84,914.81
84,299.62
83,682.06
83,062.14
82,439.85
81,815.16
81,188.09
80,558.60
79,926.71
79,292.39
78,655.64
78,016.46
77,374.82
76,730.72
76,084.15
75,435.10
74,783.57
74,129.54
73,473.00
72,813.94
72,152.36
71,488.24
70,821.58
70,152.36
69,480.57
68,806.21
68,129.27
67,449.73
66,767.58
66,082.82
65,395.44
64,705.42
64,012.75
63,317.43
62,619.44
61,918.78
61,215.44
60,509.39
59,800.64
59,089.18
58,374.98
57,658.05
56,938.37
56,215.93
55,490.73
54,762.74
54,031.96
53,298.38
52,561.99
51,822.77
51,080.72
50,335.83
49,588.08
48,837.47
48,083.98
47,327.59
46,568.31
45,806.12
45,041.01
44,272.97
43,501.98
42,728.03
41,951.12
41,171.23
40,388.35
39,602.47
38,813.58
38,021.66
37,226.71
36,428.71
35,627.65
34,823.52
34,016.31
33,206.00
32,392.59
31,576.06
30,756.40
29,933.59
29,107.64
28,278.51
27,446.21
26,610.72
25,772.03
24,930.12
24,084.98
23,236.60
22,384.97
21,530.08
20,671.91
19,810.45
18,945.69
18,077.61
17,206.20
16,331.46
15,453.36
14,571.90
13,687.05
12,798.82
11,907.18
11,012.12
10,113.63
9,211.70
8,306.31
7,397.44
6,485.10
5,569.26
4,649.90
3,727.02
2,800.61
1,870.64
937.11
0.00
-
Amortization Chart
HELP
Loan Amount (pv)

# of Periods (Nper)
Payment per Period
Total Interest Paid
200,000
0.55%
360
1,277.32
259,834.35
[42]
CURRENT 30 YEAR MORTGAGE

$
200,000
Balance
Cumulative Interest
Principal Paid
180,000
160,000
140,000
120,000
100,000
80,000
60,000
40,000
20,000
0
0
50
100
PERIOD (MONTHLY)
Payment
Amount
1
2
150
200
Interest
Cumulative
Interest
Principal
Principal Paid
1,277.32
1,100.00
1,100.00
177.32
177.32
1,277.32
1,099.02
2,199.02
178.29
355.61
1,277.32
1,098.04
3,297.07
179.27
534.88
1,277.32
1,097.06
4,394.13
180.26
715.14
1,277.32
1,096.07
5,490.19
181.25
896.39
1,277.32
1,095.07
6,585.26
182.25
1,078.64
1,277.32
1,094.07
7,679.33
183.25
1,261.89
1,277.32
1,093.06
8,772.39
184.26
1,446.15
Period
1,277.32
1,092.05
9,864.44
185.27
1,631.42
10
1,277.32
1,091.03
10,955.46
186.29
1,817.71
11
1,277.32
1,090.00
12,045.47
187.32
2,005.03
12
1,277.32
1,088.97
13,134.44
188.35
2,193.37
13
1,277.32
1,087.94
14,222.38
189.38
2,382.75
14
1,277.32
1,086.89
15,309.27
190.42
2,573.18
15
1,277.32
1,085.85
16,395.12
191.47
2,764.65
16
1,277.32
1,084.79
17,479.91
192.52
2,957.17
17
1,277.32
1,083.74
18,563.65
193.58
3,150.75
18
1,277.32
1,082.67
19,646.32
194.65
3,345.40
19
1,277.32
1,081.60
20,727.92
195.72
3,541.12
20
1,277.32
1,080.52
21,808.44
196.79
3,737.91
21
1,277.32
1,079.44
22,887.88
197.88
3,935.79
22
1,277.32
1,078.35
23,966.24
198.96
4,134.75
23
1,277.32
1,077.26
25,043.50
200.06
4,334.81
24
1,277.32
1,076.16
26,119.65
201.16
4,535.97
25
1,277.32
1,075.05
27,194.71
202.27
4,738.23
26
1,277.32
1,073.94
28,268.65
203.38
4,941.61
27
1,277.32
1,072.82
29,341.47
204.50
5,146.11
28
1,277.32
1,071.70
30,413.16
205.62
5,351.73
29
1,277.32
1,070.57
31,483.73
206.75
5,558.48
30
1,277.32
1,069.43
32,553.16
207.89
5,766.37
31
1,277.32
1,068.28
33,621.44
209.03
5,975.40
32
1,277.32
1,067.14
34,688.58
210.18
6,185.59
33
1,277.32
1,065.98
35,754.56
211.34
6,396.92
34
1,277.32
1,064.82
36,819.37
212.50
6,609.43
35
1,277.32
1,063.65
37,883.02
213.67
6,823.09
36
1,277.32
1,062.47
38,945.50
214.84
7,037.94
37
1,277.32
1,061.29
40,006.79
216.03
7,253.97
38
1,277.32
1,060.10
41,066.89
217.21
7,471.18
39
1,277.32
1,058.91
42,125.80
218.41
7,689.59
40
1,277.32
1,057.71
43,183.51
219.61
7,909.20
41
1,277.32
1,056.50
44,240.01
220.82
8,130.02
42
1,277.32
1,055.28
45,295.29
222.03
8,352.05
43
1,277.32
1,054.06
46,349.35
223.25
8,575.30
44
1,277.32
1,052.84
47,402.19
224.48
8,799.79
45
1,277.32
1,051.60
48,453.79
225.72
9,025.50
46
1,277.32
1,050.36
49,504.15
226.96
9,252.46
47
1,277.32
1,049.11
50,553.26
228.21
9,480.67
48
1,277.32
1,047.86
51,601.12
229.46
9,710.13
49
1,277.32
1,046.59
52,647.71
230.72
9,940.85
50
1,277.32
1,045.33
53,693.04
231.99
10,172.84
51
1,277.32
1,044.05
54,737.09
233.27
10,406.11
52
1,277.32
1,042.77
55,779.85
234.55
10,640.66
53
1,277.32
1,041.48
56,821.33
235.84
10,876.50
54
1,277.32
1,040.18
57,861.51
237.14
11,113.64
55
1,277.32
1,038.87
58,900.38
238.44
11,352.09
56
1,277.32
1,037.56
59,937.95
239.75
11,591.84
57
1,277.32
1,036.24
60,974.19
241.07
11,832.91
58
1,277.32
1,034.92
62,009.11
242.40
12,075.31
59
1,277.32
1,033.59
63,042.70
243.73
12,319.04
60
1,277.32
1,032.25
64,074.94
245.07
12,564.12
61
1,277.32
1,030.90
65,105.84
246.42
12,810.54
62
1,277.32
1,029.54
66,135.38
247.78
13,058.31
63
1,277.32
1,028.18
67,163.56
249.14
13,307.45
64
1,277.32
1,026.81
68,190.37
250.51
13,557.96
65
1,277.32
1,025.43
69,215.80
251.89
13,809.84
66
1,277.32
1,024.05
70,239.85
253.27
14,063.12
67
1,277.32
1,022.65
71,262.50
254.66
14,317.78
68
1,277.32
1,021.25
72,283.75
256.07
14,573.85
69
1,277.32
1,019.84
73,303.60
257.47
14,831.32
70
1,277.32
1,018.43
74,322.02
258.89
15,090.21
71
1,277.32
1,017.00
75,339.03
260.31
15,350.52
72
1,277.32
1,015.57
76,354.60
261.75
15,612.27
73
1,277.32
1,014.13
77,368.73
263.19
15,875.45
74
1,277.32
1,012.69
78,381.42
264.63
16,140.09
75
1,277.32
1,011.23
79,392.65
266.09
16,406.18
76
1,277.32
1,009.77
80,402.41
267.55
16,673.73
77
1,277.32
1,008.29
81,410.71
269.02
16,942.75
78
1,277.32
1,006.81
82,417.52
270.50
17,213.25
79
1,277.32
1,005.33
83,422.85
271.99
17,485.24
80
1,277.32
1,003.83
84,426.68
273.49
17,758.73
81
1,277.32
1,002.33
85,429.01
274.99
18,033.72
82
1,277.32
1,000.81
86,429.82
276.50
18,310.22
83
1,277.32
999.29
87,429.12
278.02
18,588.25
84
1,277.32
997.76
88,426.88
279.55
18,867.80
85
1,277.32
996.23
89,423.11
281.09
19,148.89
86
1,277.32
994.68
90,417.79
282.64
19,431.53
87
1,277.32
993.13
91,410.92
284.19
19,715.72
88
1,277.32
991.56
92,402.48
285.75
20,001.47
89
1,277.32
989.99
93,392.47
287.33
20,288.80
90
1,277.32
988.41
94,380.88
288.91
20,577.70
91
1,277.32
986.82
95,367.71
290.50
20,868.20
92
1,277.32
985.22
96,352.93
292.09
21,160.29
93
1,277.32
983.62
97,336.55
293.70
21,453.99
94
1,277.32
982.00
98,318.55
295.31
21,749.31
95
1,277.32
980.38
99,298.93
296.94
22,046.24
96
1,277.32
978.75
100,277.68
298.57
22,344.82
97
1,277.32
977.10
101,254.78
300.21
22,645.03
98
1,277.32
975.45
102,230.23
301.87
22,946.90
99
1,277.32
973.79
103,204.02
303.53
23,250.42
100
1,277.32
972.12
104,176.15
305.19
23,555.62
101
1,277.32
970.44
105,146.59
306.87
23,862.49
102
1,277.32
968.76
106,115.35
308.56
24,171.05
103
1,277.32
967.06
107,082.41
310.26
24,481.31
104
1,277.32
965.35
108,047.76
311.96
24,793.27
105
1,277.32
963.64
109,011.40
313.68
25,106.96
106
1,277.32
961.91
109,973.31
315.41
25,422.36
107
1,277.32
960.18
110,933.49
317.14
25,739.50
108
1,277.32
958.43
111,891.92
318.88
26,058.39
109
1,277.32
956.68
112,848.60
320.64
26,379.03
110
1,277.32
954.92
113,803.51
322.40
26,701.43
111
1,277.32
953.14
114,756.65
324.18
27,025.60
112
1,277.32
951.36
115,708.01
325.96
27,351.56
113
1,277.32
949.57
116,657.58
327.75
27,679.31
114
1,277.32
947.76
117,605.34
329.55
28,008.87
115
1,277.32
945.95
118,551.29
331.37
28,340.23
116
1,277.32
944.13
119,495.42
333.19
28,673.42
117
1,277.32
942.30
120,437.72
335.02
29,008.44
118
1,277.32
940.45
121,378.17
336.86
29,345.31
119
1,277.32
938.60
122,316.77
338.72
29,684.02
120
1,277.32
936.74
123,253.51
340.58
30,024.60
121
1,277.32
934.86
124,188.38
342.45
30,367.06
122
1,277.32
932.98
125,121.36
344.34
30,711.39
123
1,277.32
931.09
126,052.45
346.23
31,057.62
124
1,277.32
929.18
126,981.63
348.13
31,405.76
125
1,277.32
927.27
127,908.90
350.05
31,755.81
126
1,277.32
925.34
128,834.24
351.97
32,107.78
127
1,277.32
923.41
129,757.65
353.91
32,461.69
128
1,277.32
921.46
130,679.11
355.86
32,817.55
129
1,277.32
919.50
131,598.61
357.81
33,175.36
130
1,277.32
917.54
132,516.15
359.78
33,535.15
131
1,277.32
915.56
133,431.70
361.76
33,896.91
132
1,277.32
913.57
134,345.27
363.75
34,260.66
133
1,277.32
911.57
135,256.84
365.75
34,626.41
134
1,277.32
909.55
136,166.39
367.76
34,994.17
135
1,277.32
907.53
137,073.92
369.79
35,363.96
136
1,277.32
905.50
137,979.42
371.82
35,735.78
137
1,277.32
903.45
138,882.87
373.86
36,109.64
138
1,277.32
901.40
139,784.27
375.92
36,485.56
139
1,277.32
899.33
140,683.60
377.99
36,863.55
140
1,277.32
897.25
141,580.85
380.07
37,243.62
141
1,277.32
895.16
142,476.01
382.16
37,625.77
142
1,277.32
893.06
143,369.07
384.26
38,010.03
143
1,277.32
890.94
144,260.01
386.37
38,396.41
144
1,277.32
888.82
145,148.83
388.50
38,784.91
145
1,277.32
886.68
146,035.52
390.63
39,175.54
146
1,277.32
884.53
146,920.05
392.78
39,568.32
147
1,277.32
882.37
147,802.43
394.94
39,963.27
148
1,277.32
880.20
148,682.63
397.12
40,360.38
149
1,277.32
878.02
149,560.65
399.30
40,759.68
150
1,277.32
875.82
150,436.47
401.50
41,161.18
151
1,277.32
873.61
151,310.08
403.70
41,564.88
152
1,277.32
871.39
152,181.47
405.92
41,970.81
153
1,277.32
869.16
153,050.64
408.16
42,378.96
154
1,277.32
866.92
153,917.55
410.40
42,789.36
155
1,277.32
864.66
154,782.21
412.66
43,202.02
156
1,277.32
862.39
155,644.60
414.93
43,616.95
157
1,277.32
860.11
156,504.71
417.21
44,034.16
158
1,277.32
857.81
157,362.52
419.51
44,453.67
159
1,277.32
855.50
158,218.02
421.81
44,875.48
160
1,277.32
853.18
159,071.21
424.13
45,299.61
161
1,277.32
850.85
159,922.06
426.47
45,726.08
162
1,277.32
848.51
160,770.57
428.81
46,154.89
163
1,277.32
846.15
161,616.71
431.17
46,586.06
164
1,277.32
843.78
162,460.49
433.54
47,019.60
165
1,277.32
841.39
163,301.88
435.93
47,455.53
166
1,277.32
838.99
164,140.88
438.32
47,893.85
167
1,277.32
836.58
164,977.46
440.73
48,334.58
168
1,277.32
834.16
165,811.62
443.16
48,777.74
169
1,277.32
831.72
166,643.34
445.60
49,223.34
170
1,277.32
829.27
167,472.61
448.05
49,671.38
171
1,277.32
826.81
168,299.42
450.51
50,121.89
172
1,277.32
824.33
169,123.75
452.99
50,574.88
173
1,277.32
821.84
169,945.59
455.48
51,030.36
174
1,277.32
819.33
170,764.92
457.98
51,488.35
175
1,277.32
816.81
171,581.74
460.50
51,948.85
176
1,277.32
814.28
172,396.02
463.04
52,411.89
177
1,277.32
811.73
173,207.75
465.58
52,877.47
178
1,277.32
809.17
174,016.93
468.14
53,345.61
179
1,277.32
806.60
174,823.53
470.72
53,816.33
180
1,277.32
804.01
175,627.54
473.31
54,289.64
181
1,277.32
801.41
176,428.94
475.91
54,765.55
182
1,277.32
798.79
177,227.73
478.53
55,244.08
183
1,277.32
796.16
178,023.89
481.16
55,725.24
184
1,277.32
793.51
178,817.40
483.81
56,209.04
185
1,277.32
790.85
179,608.25
486.47
56,695.51
186
1,277.32
788.17
180,396.43
489.14
57,184.65
187
1,277.32
785.48
181,181.91
491.83
57,676.49
188
1,277.32
782.78
181,964.69
494.54
58,171.03
189
1,277.32
780.06
182,744.75
497.26
58,668.28
190
1,277.32
777.32
183,522.07
499.99
59,168.28
191
1,277.32
774.57
184,296.65
502.74
59,671.02
192
1,277.32
771.81
185,068.46
505.51
60,176.53
193
1,277.32
769.03
185,837.49
508.29
60,684.82
194
1,277.32
766.23
186,603.72
511.08
61,195.90
195
1,277.32
763.42
187,367.14
513.90
61,709.80
196
1,277.32
760.60
188,127.74
516.72
62,226.52
197
1,277.32
757.75
188,885.49
519.56
62,746.08
198
1,277.32
754.90
189,640.39
522.42
63,268.50
199
1,277.32
752.02
190,392.41
525.29
63,793.80
200
1,277.32
749.13
191,141.55
528.18
64,321.98
201
1,277.32
746.23
191,887.78
531.09
64,853.07
202
1,277.32
743.31
192,631.08
534.01
65,387.08
203
1,277.32
740.37
193,371.46
536.95
65,924.02
204
1,277.32
737.42
194,108.87
539.90
66,463.92
205
1,277.32
734.45
194,843.32
542.87
67,006.79
206
1,277.32
731.46
195,574.78
545.86
67,552.65
207
1,277.32
728.46
196,303.24
548.86
68,101.51
208
1,277.32
725.44
197,028.69
551.88
68,653.38
209
1,277.32
722.41
197,751.09
554.91
69,208.29
210
1,277.32
719.35
198,470.45
557.96
69,766.26
211
1,277.32
716.29
199,186.73
561.03
70,327.29
212
1,277.32
713.20
199,899.93
564.12
70,891.41
213
1,277.32
710.10
200,610.03
567.22
71,458.63
214
1,277.32
706.98
201,317.01
570.34
72,028.97
215
1,277.32
703.84
202,020.85
573.48
72,602.44
216
1,277.32
700.69
202,721.53
576.63
73,179.07
217
1,277.32
697.52
203,419.05
579.80
73,758.88
218
1,277.32
694.33
204,113.38
582.99
74,341.87
219
1,277.32
691.12
204,804.50
586.20
74,928.07
220
1,277.32
687.90
205,492.39
589.42
75,517.49
221
1,277.32
684.65
206,177.05
592.66
76,110.15
222
1,277.32
681.39
206,858.44
595.92
76,706.08
223
1,277.32
678.12
207,536.56
599.20
77,305.28
224
1,277.32
674.82
208,211.38
602.50
77,907.77
225
1,277.32
671.51
208,882.88
605.81
78,513.58
226
1,277.32
668.18
209,551.06
609.14
79,122.73
227
1,277.32
664.83
210,215.88
612.49
79,735.22
228
1,277.32
661.46
210,877.34
615.86
80,351.08
229
1,277.32
658.07
211,535.41
619.25
80,970.33
230
1,277.32
654.66
212,190.07
622.65
81,592.98
231
1,277.32
651.24
212,841.31
626.08
82,219.06
232
1,277.32
647.80
213,489.11
629.52
82,848.58
233
1,277.32
644.33
214,133.44
632.98
83,481.57
234
1,277.32
640.85
214,774.29
636.47
84,118.04
235
1,277.32
637.35
215,411.64
639.97
84,758.00
236
1,277.32
633.83
216,045.47
643.49
85,401.49
237
1,277.32
630.29
216,675.76
647.03
86,048.52
238
1,277.32
626.73
217,302.50
650.58
86,699.10
239
1,277.32
623.15
217,925.65
654.16
87,353.26
240
1,277.32
619.56
218,545.21
657.76
88,011.02
241
1,277.32
615.94
219,161.15
661.38
88,672.40
242
1,277.32
612.30
219,773.45
665.02
89,337.42
243
1,277.32
608.64
220,382.10
668.67
90,006.09
244
1,277.32
604.97
220,987.06
672.35
90,678.44
245
1,277.32
601.27
221,588.33
676.05
91,354.49
246
1,277.32
597.55
222,185.88
679.77
92,034.26
247
1,277.32
593.81
222,779.69
683.51
92,717.76
248
1,277.32
590.05
223,369.74
687.27
93,405.03
249
1,277.32
586.27
223,956.02
691.05
94,096.07
250
1,277.32
582.47
224,538.49
694.85
94,790.92
251
1,277.32
578.65
225,117.14
698.67
95,489.59
252
1,277.32
574.81
225,691.95
702.51
96,192.10
253
1,277.32
570.94
226,262.89
706.37
96,898.47
254
1,277.32
567.06
226,829.95
710.26
97,608.73
255
1,277.32
563.15
227,393.10
714.17
98,322.90
256
1,277.32
559.22
227,952.32
718.09
99,040.99
257
1,277.32
555.27
228,507.60
722.04
99,763.03
258
1,277.32
551.30
229,058.90
726.01
100,489.05
259
1,277.32
547.31
229,606.21
730.01
101,219.06
260
1,277.32
543.30
230,149.51
734.02
101,953.08
261
1,277.32
539.26
230,688.76
738.06
102,691.14
262
1,277.32
535.20
231,223.96
742.12
103,433.26
263
1,277.32
531.12
231,755.08
746.20
104,179.46
264
1,277.32
527.01
232,282.09
750.30
104,929.76
265
1,277.32
522.89
232,804.98
754.43
105,684.19
266
1,277.32
518.74
233,323.72
758.58
106,442.77
267
1,277.32
514.56
233,838.28
762.75
107,205.53
268
1,277.32
510.37
234,348.65
766.95
107,972.48
269
1,277.32
506.15
234,854.80
771.17
108,743.64
270
1,277.32
501.91
235,356.71
775.41
109,519.05
271
1,277.32
497.65
235,854.36
779.67
110,298.72
272
1,277.32
493.36
236,347.71
783.96
111,082.68
273
1,277.32
489.05
236,836.76
788.27
111,870.95
274
1,277.32
484.71
237,321.47
792.61
112,663.56
275
1,277.32
480.35
237,801.82
796.97
113,460.53
276
1,277.32
475.97
238,277.79
801.35
114,261.88
277
1,277.32
471.56
238,749.35
805.76
115,067.64
278
1,277.32
467.13
239,216.47
810.19
115,877.83
279
1,277.32
462.67
239,679.15
814.65
116,692.47
280
1,277.32
458.19
240,137.34
819.13
117,511.60
281
1,277.32
453.69
240,591.02
823.63
118,335.23
282
1,277.32
449.16
241,040.18
828.16
119,163.39
283
1,277.32
444.60
241,484.78
832.72
119,996.11
284
1,277.32
440.02
241,924.80
837.30
120,833.41
285
1,277.32
435.42
242,360.22
841.90
121,675.31
286
1,277.32
430.79
242,791.01
846.53
122,521.84
287
1,277.32
426.13
243,217.14
851.19
123,373.03
288
1,277.32
421.45
243,638.58
855.87
124,228.90
289
1,277.32
416.74
244,055.32
860.58
125,089.47
290
1,277.32
412.01
244,467.33
865.31
125,954.78
291
1,277.32
407.25
244,874.58
870.07
126,824.85
292
1,277.32
402.46
245,277.04
874.85
127,699.71
293
1,277.32
397.65
245,674.70
879.67
128,579.37
294
1,277.32
392.81
246,067.51
884.50
129,463.88
295
1,277.32
387.95
246,455.46
889.37
130,353.24
296
1,277.32
383.06
246,838.52
894.26
131,247.50
297
1,277.32
378.14
247,216.65
899.18
132,146.68
298
1,277.32
373.19
247,589.85
904.12
133,050.81
299
1,277.32
368.22
247,958.07
909.10
133,959.91
300
1,277.32
363.22
248,321.29
914.10
134,874.00
301
1,277.32
358.19
248,679.48
919.12
135,793.13
302
1,277.32
353.14
249,032.62
924.18
136,717.31
303
1,277.32
348.05
249,380.67
929.26
137,646.57
304
1,277.32
342.94
249,723.62
934.37
138,580.94
305
1,277.32
337.80
250,061.42
939.51
139,520.46
306
1,277.32
332.64
250,394.06
944.68
140,465.14
307
1,277.32
327.44
250,721.50
949.88
141,415.01
308
1,277.32
322.22
251,043.72
955.10
142,370.11
309
1,277.32
316.96
251,360.68
960.35
143,330.47
310
1,277.32
311.68
251,672.37
965.64
144,296.10
311
1,277.32
306.37
251,978.74
970.95
145,267.05
312
1,277.32
301.03
252,279.77
976.29
146,243.33
313
1,277.32
295.66
252,575.43
981.66
147,224.99
314
1,277.32
290.26
252,865.69
987.06
148,212.04
315
1,277.32
284.83
253,150.53
992.48
149,204.53
316
1,277.32
279.38
253,429.90
997.94
150,202.47
317
1,277.32
273.89
253,703.79
1,003.43
151,205.90
318
1,277.32
268.37
253,972.16
1,008.95
152,214.85
319
1,277.32
262.82
254,234.97
1,014.50
153,229.35
320
1,277.32
257.24
254,492.21
1,020.08
154,249.43
321
1,277.32
251.63
254,743.84
1,025.69
155,275.12
322
1,277.32
245.99
254,989.83
1,031.33
156,306.45
323
1,277.32
240.31
255,230.14
1,037.00
157,343.45
324
1,277.32
234.61
255,464.75
1,042.71
158,386.16
325
1,277.32
228.88
255,693.63
1,048.44
159,434.60
326
1,277.32
223.11
255,916.74
1,054.21
160,488.81
327
1,277.32
217.31
256,134.05
1,060.01
161,548.82
328
1,277.32
211.48
256,345.53
1,065.84
162,614.65
329
1,277.32
205.62
256,551.15
1,071.70
163,686.35
330
1,277.32
199.73
256,750.88
1,077.59
164,763.94
331
1,277.32
193.80
256,944.68
1,083.52
165,847.46
332
1,277.32
187.84
257,132.51
1,089.48
166,936.94
333
1,277.32
181.85
257,314.36
1,095.47
168,032.41
334
1,277.32
175.82
257,490.18
1,101.50
169,133.91
335
1,277.32
169.76
257,659.95
1,107.55
170,241.46
336
1,277.32
163.67
257,823.62
1,113.65
171,355.11
337
1,277.32
157.55
257,981.17
1,119.77
172,474.88
338
1,277.32
151.39
258,132.55
1,125.93
173,600.81
339
1,277.32
145.20
258,277.75
1,132.12
174,732.93
340
1,277.32
138.97
258,416.72
1,138.35
175,871.28
341
1,277.32
132.71
258,549.43
1,144.61
177,015.89
342
1,277.32
126.41
258,675.84
1,150.91
178,166.79
343
1,277.32
120.08
258,795.92
1,157.23
179,324.03
344
1,277.32
113.72
258,909.64
1,163.60
180,487.63
345
1,277.32
107.32
259,016.96
1,170.00
181,657.63
346
1,277.32
100.88
259,117.84
1,176.43
182,834.06
347
1,277.32
94.41
259,212.25
1,182.90
184,016.97
348
1,277.32
87.91
259,300.16
1,189.41
185,206.38
349
1,277.32
81.36
259,381.52
1,195.95
186,402.33
350
1,277.32
74.79
259,456.31
1,202.53
187,604.86
351
1,277.32
68.17
259,524.48
1,209.14
188,814.01
352
1,277.32
61.52
259,586.01
1,215.79
190,029.80
353
1,277.32
54.84
259,640.84
1,222.48
191,252.28
354
1,277.32
48.11
259,688.96
1,229.21
192,481.49
355
1,277.32
41.35
259,730.31
1,235.97
193,717.45
356
1,277.32
34.55
259,764.86
1,242.76
194,960.22
357
1,277.32
27.72
259,792.58
1,249.60
196,209.82
358
1,277.32
20.85
259,813.43
1,256.47
197,466.29
359
1,277.32
13.94
259,827.36
1,263.38
198,729.67
360
1,277.32
6.99
259,834.35
1,270.33
200,000.00
#N/A
Current 30 year Mortgage

Payments= 1,277.32
Interest Paid= $259,832.35 (approx. $98,800 paid to date)
Principal= $178,000 (current, originally $200k)
Total Paid= $459,834.35
Approx. Time Left to Pay off= 22 years
HR 1= 12.58%
HR 2= 23.76%
Pros: 22 years left to pay off (instead
of 30).
Cons: there is still a higher outstanding

interest balance on the current 30
year loan than on any of your other
options, higher payments, higher
interest rate, more interest paid, takes
more time to put equity into home
Balance
$
200,000.00
199,822.68
199,644.39
199,465.12
199,284.86
199,103.61
198,921.36
198,738.11
198,553.85
198,368.58
198,182.29
197,994.97
197,806.63
197,617.25
197,426.82
197,235.35
197,042.83
196,849.25
196,654.60
196,458.88
196,262.09
196,064.21
195,865.25
195,665.19
195,464.03
195,261.77
195,058.39
194,853.89
194,648.27
194,441.52
194,233.63
194,024.60
193,814.41
193,603.08
193,390.57
193,176.91
192,962.06
192,746.03
192,528.82
192,310.41
192,090.80
191,869.98
191,647.95
191,424.70
191,200.21
190,974.50
190,747.54
190,519.33
190,289.87
190,059.15
189,827.16
189,593.89
189,359.34
189,123.50
188,886.36
188,647.91
188,408.16
188,167.09
187,924.69
187,680.96
187,435.88
187,189.46
186,941.69
186,692.55
186,442.04
186,190.16
185,936.88
185,682.22
185,426.15
185,168.68
184,909.79
184,649.48
184,387.73
184,124.55
183,859.91
183,593.82
183,326.27
183,057.25
182,786.75
182,514.76
182,241.27
181,966.28
181,689.78
181,411.75
181,132.20
180,851.11
180,568.47
180,284.28
179,998.53
179,711.20
179,422.30
179,131.80
178,839.71
178,546.01
178,250.69
177,953.76
177,655.18
177,354.97
177,053.10
176,749.58
176,444.38
176,137.51
175,828.95
175,518.69
175,206.73
174,893.04
174,577.64
174,260.50
173,941.61
173,620.97
173,298.57
172,974.40
172,648.44
172,320.69
171,991.13
171,659.77
171,326.58
170,991.56
170,654.69
170,315.98
169,975.40
169,632.94
169,288.61
168,942.38
168,594.24
168,244.19
167,892.22
167,538.31
167,182.45
166,824.64
166,464.85
166,103.09
165,739.34
165,373.59
165,005.83
164,636.04
164,264.22
163,890.36
163,514.44
163,136.45
162,756.38
162,374.23
161,989.97
161,603.59
161,215.09
160,824.46
160,431.68
160,036.73
159,639.62
159,240.32
158,838.82
158,435.12
158,029.19
157,621.04
157,210.64
156,797.98
156,383.05
155,965.84
155,546.33
155,124.52
154,700.39
154,273.92
153,845.11
153,413.94
152,980.40
152,544.47
152,106.15
151,665.42
151,222.26
150,776.66
150,328.62
149,878.11
149,425.12
148,969.64
148,511.65
148,051.15
147,588.11
147,122.53
146,654.39
146,183.67
145,710.36
145,234.45
144,755.92
144,274.76
143,790.96
143,304.49
142,815.35
142,323.51
141,828.97
141,331.72
140,831.72
140,328.98
139,823.47
139,315.18
138,804.10
138,290.20
137,773.48
137,253.92
136,731.50
136,206.20
135,678.02
135,146.93
134,612.92
134,075.98
133,536.08
132,993.21
132,447.35
131,898.49
131,346.62
130,791.71
130,233.74
129,672.71
129,108.59
128,541.37
127,971.03
127,397.56
126,820.93
126,241.12
125,658.13
125,071.93
124,482.51
123,889.85
123,293.92
122,694.72
122,092.23
121,486.42
120,877.27
120,264.78
119,648.92
119,029.67
118,407.02
117,780.94
117,151.42
116,518.43
115,881.96
115,242.00
114,598.51
113,951.48
113,300.90
112,646.74
111,988.98
111,327.60
110,662.58
109,993.91
109,321.56
108,645.51
107,965.74
107,282.24
106,594.97
105,903.93
105,209.08
104,510.41
103,807.90
103,101.53
102,391.27
101,677.10
100,959.01
100,236.97
99,510.95
98,780.94
98,046.92
97,308.86
96,566.74
95,820.54
95,070.24
94,315.81
93,557.23
92,794.47
92,027.52
91,256.36
90,480.95
89,701.28
88,917.32
88,129.05
87,336.44
86,539.47
85,738.12
84,932.36
84,122.17
83,307.53
82,488.40
81,664.77
80,836.61
80,003.89
79,166.59
78,324.69
77,478.16
76,626.97
75,771.10
74,910.53
74,045.22
73,175.15
72,300.29
71,420.63
70,536.12
69,646.76
68,752.50
67,853.32
66,949.19
66,040.09
65,126.00
64,206.87
63,282.69
62,353.43
61,419.06
60,479.54
59,534.86
58,584.99
57,629.89
56,669.53
55,703.90
54,732.95
53,756.67
52,775.01
51,787.96
50,795.47
49,797.53
48,794.10
47,785.15
46,770.65
45,750.57
44,724.88
43,693.55
42,656.55
41,613.84
40,565.40
39,511.19
38,451.18
37,385.35
36,313.65
35,236.06
34,152.54
33,063.06
31,967.59
30,866.09
29,758.54
28,644.89
27,525.12
26,399.19
25,267.07
24,128.72
22,984.11
21,833.21
20,675.97
19,512.37
18,342.37
17,165.94
15,983.03
14,793.62
13,597.67
12,395.14
11,185.99
9,970.20
8,747.72
7,518.51
6,282.55
5,039.78
3,790.18
2,533.71
1,270.33
0.00
-
Current 30 year Mortgage
Payments= 1,277.32
Interest Paid= $259,832.28 (approx. $98,800
Principal= $178,000 (current, originally $200
Total Paid= $459,834.35
Approx. Time Left to Pay off= 22 years
HR 1= 12.58%
HR 2= 23.76%
Pros: 22
Cons:
30 year Mortgage
id= $259,832.28 (approx. $98,800 paid to date)

$178,000 (current, originally $200k)
$459,834.35
me Left to Pay off= 22 years
HR1
PITI/Monthly income
12.58%
HR2
PITI+ recurring Debt Payments/ monthly income
23.76%
Emergency Fund
Current Assets/ Monthly non discretionary expense
Savings Rate
Annual Savings/annual gross income
1.30
10.13%
3.207229809
Monthly Non Disc
5612.32
Savings Contributions
Dividend/interest
[PERCENTAGE]
Todd's 401 (k)
[PERCENTAGE]
Todd's Roth
[PERCENTAGE]
Sarah's 401(k)
19%
Todd's 401(k) contributions

Sarah's 401(k) contributions
Cash Savings Contribution
Todd's Roth Contributions
Dividend/ Interest Reinvestment
Cash Savings
[PERCENTAGE]
LIVING EXPENSES
Parking & Tolls

1%
Gas
6%
WaterCell Phone
3%
2%
Cable Alarm System

Entertainment
2%
1%
8%
Dining Out
8%
Groceries
10%
Hobbies
6%
Home Repairs
4%
Landscaping
6%
Maid
8%
Childcare
23%
Dry Cleaning
3%
Internet
2%
Charity
7%
Club dues
3%
Debt Payments
10%
7%
BB National Credit Card

Payment
7%

45%
Infiniti Payment
Harley Payment
6%
Jeep Payment
Harley Payment
BB National Credit Card Payment
Jeep Payment
10%
Infiniti Payment
15%
Investment Assets
Roth IRA Todd
[PERCENTAGE]
Brokerage Account
2%
401(K) Sarah
[PERCENTAGE]
401(k) Todd
[PERCENTAGE]
401(k) Account (His)

401(k) Account (Her)
Roth IRA (H)
Brokerage Account
Month
Nov 2014
Dec 2014
Jan 2015
Feb 2015
Mar 2015
Apr 2015
May 2015
Jun 2015
Jul 2015
Aug 2015
Sep 2015
Oct 2015
Nov 2015
Dec 2015
Jan 2016
Feb 2016
Mar 2016
Apr 2016
May 2016
Jun 2016
Jul 2016
Aug 2016
Sep 2016
Oct 2016
Nov 2016
Dec 2016
Jan 2017
Feb 2017
Mar 2017
Apr 2017
May 2017
Jun 2017
Jul 2017
Aug 2017
Sep 2017
Oct 2017
Nov 2017
Dec 2017
Jan 2018
Feb 2018
Mar 2018
Apr 2018
May 2018
Jun 2018
American Express
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$150.00
$135.94
Visa
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$120.89
Student Loan
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
Auto Loan
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
Jul 2018
Aug 2018
Sep 2018
Oct 2018
Nov 2018
Dec 2018
Jan 2019
Feb 2019
Mar 2019
Apr 2019
May 2019
Jun 2019
Jul 2019
Aug 2019
Sep 2019
Oct 2019
Nov 2019
Dec 2019
Jan 2020
Feb 2020
Mar 2020
Apr 2020
May 2020
Jun 2020
Jul 2020
Aug 2020
Sep 2020
Oct 2020
Nov 2020
Dec 2020
Jan 2021
Feb 2021
Mar 2021
Apr 2021
May 2021
Jun 2021
Jul 2021
Aug 2021
Sep 2021
Oct 2021
Nov 2021
Dec 2021
Jan 2022
Feb 2022
Mar 2022
Apr 2022
May 2022
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$647.00
$647.00
$647.00
$583.58
Jun 2022
Jul 2022
Aug 2022
Sep 2022
Oct 2022
Nov 2022
Dec 2022
Jan 2023
Feb 2023
Mar 2023
Apr 2023
May 2023
Jun 2023
Jul 2023
Aug 2023
Sep 2023
Oct 2023
Nov 2023
Dec 2023
Jan 2024
Feb 2024
Mar 2024
Apr 2024
May 2024
Jun 2024
Jul 2024
TOTALS
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$353.59
$4035.94
$7320.89
$38625.55
$30992.58
Home Equity Loan

$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
Payoff Time: 9 years 9 months

Total Paid: $140,213.12
Total Interest: $27,737.12
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.20
$59238.16
Month
Nov 2014
Dec 2014
Jan 2015
Feb 2015
Mar 2015
Apr 2015
May 2015
Jun 2015
Jul 2015
Aug 2015
Sep 2015
Oct 2015
Nov 2015
Dec 2015
Jan 2016
Feb 2016
Mar 2016
Apr 2016
May 2016
Jun 2016
Jul 2016
Aug 2016
Sep 2016
Oct 2016
Nov 2016
Dec 2016
Jan 2017
Feb 2017
Mar 2017
Apr 2017
May 2017
Jun 2017
Jul 2017
Aug 2017
Sep 2017
Oct 2017
Nov 2017
Dec 2017
Jan 2018
Feb 2018
Mar 2018
Apr 2018
American Express
$450.00
$450.00
$450.00
$450.00
$450.00
$450.00
$450.00
$450.00
$70.65
Visa
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$225.00
$604.35
$675.00
$675.00
$675.00
$675.00
$675.00
$675.00
$339.81
Auto Loan
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$647.00
$982.19
$1322.00
$1322.00
$1322.00
$1322.00
$1322.00
$1322.00
$1322.00
$1322.00
$1322.00
$1322.00
$1322.00
$1322.00
$1322.00
$1322.00
$1192.24
Student Loan
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$354.37
$484.13
$1676.37
$1676.37
$1676.37
$1676.37
$1676.37
$1676.37
$1676.37
$1676.37
$1676.37
$1676.37
$1676.37
May 2018
Jun 2018
Jul 2018
Aug 2018
Sep 2018
Oct 2018
Nov 2018
Dec 2018
Jan 2019
Feb 2019
Mar 2019
Apr 2019
May 2019
Jun 2019
Jul 2019
Aug 2019
Sep 2019
Oct 2019
TOTALS
$1676.37
$1676.37
$1676.37
$107.00
$3670.65
$6794.16
$30387.43
$34691.41
Home Equity Loan

$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
$506.31
Payoff Time: 5 years

Total Paid: $130,087.90
Total Interest: $17,611.90
Time Reduction: 4 years 9 months
Amount Saved: $10,125.22
Making your payment on your debt with
the PowerPay system will help you to
save over $10,000 while also allowing
you to pay it off 4 years 9 months
sooner. Utilizing this method will help to
reduce any negative impact caused by
carrying these debts into retirement.
$506.31
$506.31
$506.31
$2075.68
$2182.68
$2182.68
$2182.68
$2182.68
$2182.68
$2182.68
$2182.68
$2182.68
$2182.68
$2182.68
$2182.68
$2182.68
$2182.68
$1309.78
$54544.25

Fin 3330 Case 1

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Fin 3330 Case 1

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Statement Of Financial Position

Mr. and Mrs. Wilkinson

Total Investment Assets

Long Term Liabilities

Total Current Assets

Harley Davidson Loan

Total Long Term Liabilities

Personal Use Assets

Total Net worth

Total Liabilities and Net Worth

Total Personal Use Assets

Statement of Income and Expenses

Total Cash Inflows

Total Living Expenses

Total Debt Payments

T&I (Personal Residence)

Loan Amount (pv)

15 Year Refinancing Option

Cons: opportunity cost of investments (stocks,

Loan Amount (pv)

30 Year Refinancing Option

Cons: may be hard to sell down the road if you

Loan Amount (pv)

CURRENT 30 YEAR MORTGAGE

Current 30 year Mortgage

Cons: there is still a higher outstanding

Current 30 year Mortgage

id= $259,832.28 (approx. $98,800 paid to date)

Monthly Non Disc

Todd's 401(k) contributions

Parking & Tolls

Cable Alarm System

BB National Credit Card

Mortgage Payment (PI)

401(k) Account (His)

Home Equity Loan

Payoff Time: 9 years 9 months

Home Equity Loan

Payoff Time: 5 years

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