Your grandfather put some money in an account for you on the day you were born.

You are now 18 years old

and are allowed to withdraw the money for the first time. The account currently has $3996 in it and pays 8%
Background interest rate.
Chapter

4 Question

10

Balance
Interest

$3,996.00 at
8%

Question
At
At

How much money would be in the account if you left the money there until your 25th birthday?
NPER
RATE
PV
25 years
or
7
8% -$3,996.00
7 years later
$6,848.44

Question

What if you left the money until your 65th birthday?

At
At
Question
At
At

65 years
47 years later

18 years

NPER
$148,779.12

RATE
47

PV
8% -$3,996.00

How much cash did you grandfather originally put in your account?
0 years
-18 years earlier $1,000.00

NPER

RATE
18

PV
8%
-1,000.00

day you were born. You are now 18 years old

count currently has $3996 in it and pays 8%

there until your 25th birthday?

PMT

FV
0
6,848.44

PMT

FV
0
148,779.12

PMT

FV
0

$3,996.00

Checksum
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49

$1,000.00 c
$1,079.99
$1,166.39
$1,259.71
$1,360.48
$1,469.32
$1,586.87
$1,713.82
$1,850.92
$1,998.99
$2,158.91
$2,331.63
$2,518.16
$2,719.61
$2,937.18
$3,172.15
$3,425.93
$3,700.00
$3,996.00
$4,315.68
$4,660.93
$5,033.81
$5,436.51
$5,871.43
$6,341.15
$6,848.44 a
$7,396.32
$7,988.02
$8,627.06
$9,317.23
$10,062.61
$10,867.62
$11,737.03
$12,675.99
$13,690.07
$14,785.27
$15,968.09
$17,245.54
$18,625.18
$20,115.20
$21,724.42
$23,462.37
$25,339.36
$27,366.51
$29,555.83
$31,920.29
$34,473.92
$37,231.83
$40,210.38
$43,427.21

50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65

$46,901.38
$50,653.49
$54,705.77
$59,082.24
$63,808.81
$68,913.52
$74,426.60
$80,380.73
$86,811.19
$93,756.08
$101,256.57
$109,357.10
$118,105.66
$127,554.12
$137,758.45
$148,779.12 b

You have a loan outstanding. It requires making three annual payments at the end of the next three
years of $1000 each. Your bank has offered to allow you to skip making the next two years payments in
lieu of making one large payment at the end of the loan's term in three years. If the interest rate on the
loan is 5%, what final payment will the bank require you to make so that it is indifferent between the two
Background forms of payment.
Chapter

4 Question

13

Interest rate
5%
Payment
$1,000.00
NPER
Given
Solve for PV
NPER
Given
Solve for PMT

RATE
3

PV

PMT

5%

FV
-1000

2,723.25
RATE
3

PV
PMT
5% 2,723.25

FV
-3,152.50

nd of the next three

two years payments in
he interest rate on the
erent between the two

You have been offered a unique investment opportunity. If you invest $10000 today, you will receive $500
Backgroundone year from now, $1500 two years from now, and $10000 ten years from now.
Chapter

Year
Cash Flow

Question
Rate
Year
PV
NPV

Question
Rate
Year
PV
NPV

4 Question

0
-10000

1
500

14

2
1500

10
10000

What is the NPV of the opportunity if the interest rate is 6% per year? Should you take the opportunity?
6%
0
1
2
10
-10000
500
1500
10000
-7,390.64 -471.70 -1,334.99 -5,583.95
-2,609.36 Negative

What is the NPV of the opportunity if the interest rate is 2% per year? Should you take the opportunity?
2%
0
1
2
10
-10000
500
1500
10000
-10,135.43 -490.20 -1,441.75 -8,203.48
135.43 Positive

y, you will receive $500

ke the opportunity?

ke the opportunity?

You are head of the Schwartz Family Endowment for the arts. You have decided to fund an arts chool in the San Fran
area in perpetuity. Every five years, you will give the school $1million. The first payment will occur five years from tod
Background interest rate is 8% per year, what is the present value of your gift?
Chapter
Donation
Rate
5 Year Rate

Checksum
PV

4 Question
-1000000
8%
46.93%
$2,130,705.68

$680,583.20
$463,193.49
$315,241.70
$214,548.21
$146,017.90
$99,377.33
$67,634.54
$46,030.93
$31,327.88
$21,321.23
$14,510.87
$9,875.85
$6,721.34
$4,574.43
$3,113.28
$2,118.85
$1,442.05
$981.44
$667.95
$454.59

$ ('C')
/ year
/ 5 years
PV

5
10
15
20
25
30
35
40
45
50
55
60
65
70
75
80
85
90
95
100

20
every

$680,583.20
$1,143,776.69
$1,459,018.39
$1,673,566.60
$1,819,584.50
$1,918,961.83
$1,986,596.38
$2,032,627.31
$2,063,955.19
$2,085,276.42
$2,099,787.29
$2,109,663.14
$2,116,384.48
$2,120,958.92
$2,124,072.20
$2,126,191.04
$2,127,633.09
$2,128,614.53
$2,129,282.48
$2,129,737.07

5 years

$2,129,737.07

$2,500,000.00
$2,000,000.00
$1,500,000.00
$1,000,000.00
$500,000.00
$0.00
0

20

ecided to fund an arts chool in the San Francisco Bay

e first payment will occur five years from today. If the

Or

PV
Nper

680,583.20
47%

Series1

40

60

80

100

120

Background
Rate
Term
Annual payment
Question

When you purchased your house, you took out a 30-year annual-payment mortgage with an interest rate of
6% per year. The annual payment on the mortgage is $12000. You have just made a payment and have
now decided to pay the mortgage off by repaying the outstanding balance. What is the payoff amount if?
6% /year
30 years
12000 $
You have lived in the house for 12 years (so there are 18 years left on the mortgage)
NPER

Given
Solve for Rate
Question

RATE
18

You have lived in the house for 20 years (so there are 10 years left on the mortgage)

Given
Solve for Rate

RATE
10

PV
6%

PMT
FV
-12000

88,321.04

You have lived in the house for 12 years (so there are 18 years left on the mortgage) and you decide to pay o
NPER

Given
Solve for Rate

PMT
FV
-12000

129,931.24

NPER

Question

PV
6%

RATE
18

PV
6%
129,931.24
141,931.24

PMT
FV
-12000

t mortgage with an interest rate of

e just made a payment and have
. What is the payoff amount if?

e mortgage) and you decide to pay off the mortgage immediately before the twelfth payment is due

Background

Your grandmother has been putting $1000 into your savings account on every birthday since your first (that is,
The account pays an interest rate of 3%. How much money will be in the account on your 18th birthday immed
grandmother makes the deposit on that birthday?

NPER
Given
Solve for FV

RATE
18

PV
3%

PMT
0

FV
-1000
23,414.44

Checksum
Year
Deposit
Balance at start Interest from previous Total after Granny's donation
1
1000
0
0
1000
2
1000
1000
30
2030
3
1000
2030
60.9
3090.9
4
1000
3090.9
92.727
4183.627
5
1000
4183.627
125.50881
5309.13581
6
1000
5309.13581
159.2740743
6468.409884
7
1000
6468.409884
194.0522965
7662.462181
8
1000
7662.462181
229.8738654
8892.336046
9
1000
8892.336046
266.7700814
10159.10613
10
1000
10159.10613
304.7731838
11463.87931
11
1000
11463.87931
343.9163793
12807.79569
12
1000
12807.79569
384.2338707
14192.02956
13
1000
14192.02956
425.7608868
15617.79045
14
1000
15617.79045
468.5337135
17086.32416
15
1000
17086.32416
512.5897249
18598.91389
16
1000
18598.91389
557.9674166
20156.8813
17
1000
20156.8813
604.7064391
21761.58774
18
1000
21761.58774
652.8476323
23414.43537
19
1000
23414.43537
702.4330612
25116.86844

ery birthday since your first (that is, when you turned 1).
ccount on your 18th birthday immediately after your

er Granny's donation

You are thinking of building a new machine that will save you $1000 in the first year. The machine will
then begin to wear out so that the savings decline at a rate of 2% per year forwever. What is the present
value of the savings if the interest rate is 5% per year

Background

Savings
Decline

$1,000.00
-2%

PV of perpetuity

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39

$14,285.71 at year

interest

5%
1

Check sum
Savings
PV @ 0
-$1,000.00
$952.38 $14,285.70
-$980.00
$888.89
-$960.40
$829.63
-$941.19
$774.32
-$922.37
$722.70
-$903.92
$674.52
-$885.84
$629.55
-$868.13
$587.58
-$850.76
$548.41
-$833.75
$511.85
-$817.07
$477.73
-$800.73
$445.88
-$784.72
$416.15
-$769.02
$388.41
-$753.64
$362.51
-$738.57
$338.35
-$723.80
$315.79
-$709.32
$294.74
-$695.14
$275.09
-$681.23
$256.75
-$667.61
$239.63
-$654.26
$223.66
-$641.17
$208.75
-$628.35
$194.83
-$615.78
$181.84
-$603.46
$169.72
-$591.40
$158.40
-$579.57
$147.84
-$567.98
$137.99
-$556.62
$128.79
-$545.48
$120.20
-$534.57
$112.19
-$523.88
$104.71
-$513.41
$97.73
-$503.14
$91.21
-$493.07
$85.13
-$483.21
$79.46
-$473.55
$74.16
-$464.08
$69.22

40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91

-$454.80
-$445.70
-$436.79
-$428.05
-$419.49
-$411.10
-$402.88
-$394.82
-$386.92
-$379.19
-$371.60
-$364.17
-$356.89
-$349.75
-$342.75
-$335.90
-$329.18
-$322.60
-$316.14
-$309.82
-$303.63
-$297.55
-$291.60
-$285.77
-$280.05
-$274.45
-$268.96
-$263.59
-$258.31
-$253.15
-$248.08
-$243.12
-$238.26
-$233.49
-$228.83
-$224.25
-$219.76
-$215.37
-$211.06
-$206.84
-$202.70
-$198.65
-$194.68
-$190.78
-$186.97
-$183.23
-$179.56
-$175.97
-$172.45
-$169.00
-$165.62
-$162.31

$64.60
$60.30
$56.28
$52.52
$49.02
$45.75
$42.70
$39.86
$37.20
$34.72
$32.41
$30.24
$28.23
$26.35
$24.59
$22.95
$21.42
$19.99
$18.66
$17.42
$16.25
$15.17
$14.16
$13.22
$12.33
$11.51
$10.74
$10.03
$9.36
$8.74
$8.15
$7.61
$7.10
$6.63
$6.19
$5.77
$5.39
$5.03
$4.70
$4.38
$4.09
$3.82
$3.56
$3.33
$3.10
$2.90
$2.70
$2.52
$2.36
$2.20
$2.05
$1.91

92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143

-$159.06
-$155.88
-$152.77
-$149.71
-$146.72
-$143.78
-$140.91
-$138.09
-$135.33
-$132.62
-$129.97
-$127.37
-$124.82
-$122.32
-$119.88
-$117.48
-$115.13
-$112.83
-$110.57
-$108.36
-$106.19
-$104.07
-$101.99
-$99.95
-$97.95
-$95.99
-$94.07
-$92.19
-$90.34
-$88.54
-$86.77
-$85.03
-$83.33
-$81.66
-$80.03
-$78.43
-$76.86
-$75.32
-$73.82
-$72.34
-$70.90
-$69.48
-$68.09
-$66.73
-$65.39
-$64.08
-$62.80
-$61.55
-$60.31
-$59.11
-$57.93
-$56.77

$1.79
$1.67
$1.56
$1.45
$1.36
$1.27
$1.18
$1.10
$1.03
$0.96
$0.90
$0.84
$0.78
$0.73
$0.68
$0.63
$0.59
$0.55
$0.52
$0.48
$0.45
$0.42
$0.39
$0.37
$0.34
$0.32
$0.30
$0.28
$0.26
$0.24
$0.23
$0.21
$0.20
$0.18
$0.17
$0.16
$0.15
$0.14
$0.13
$0.12
$0.11
$0.11
$0.10
$0.09
$0.09
$0.08
$0.07
$0.07
$0.07
$0.06
$0.06
$0.05

144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195

-$55.63
-$54.52
-$53.43
-$52.36
-$51.31
-$50.29
-$49.28
-$48.30
-$47.33
-$46.38
-$45.46
-$44.55
-$43.66
-$42.78
-$41.93
-$41.09
-$40.27
-$39.46
-$38.67
-$37.90
-$37.14
-$36.40
-$35.67
-$34.96
-$34.26
-$33.57
-$32.90
-$32.24
-$31.60
-$30.97
-$30.35
-$29.74
-$29.14
-$28.56
-$27.99
-$27.43
-$26.88
-$26.34
-$25.82
-$25.30
-$24.80
-$24.30
-$23.81
-$23.34
-$22.87
-$22.41
-$21.96
-$21.53
-$21.10
-$20.67
-$20.26
-$19.85

$0.05
$0.05
$0.04
$0.04
$0.04
$0.04
$0.03
$0.03
$0.03
$0.03
$0.02
$0.02
$0.02
$0.02
$0.02
$0.02
$0.02
$0.02
$0.01
$0.01
$0.01
$0.01
$0.01
$0.01
$0.01
$0.01
$0.01
$0.01
$0.01
$0.01
$0.01
$0.01
$0.01
$0.01
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00

196
197
198
199
200

-$19.46
-$19.07
-$18.69
-$18.31
-$17.95

$0.00
$0.00
$0.00
$0.00
$0.00

. The machine will

. What is the present

Your bank is offering you an account that will pay 20% interest in total for a two year deposit. Determine the
Background equivalent discount rate for a period length of
20% Two years
Question

Six Months
6 months

Question

One Year
12 months

Question

1/4 term
4.664% /six months

1/2 term
9.545% /year

One Month
1 months

1/24 term
0.763% /month

o year deposit. Determine the

Background

Which do you prefer: a bank account that pays 5% per year (EAR) for three years or
5% Year

Question

Six Months
2.50%
6 months

Question

1/2 year
5.06% Year

Good

1.159693

Bad

1.155625

One Year
7.50%
18 months

Question

1.157625

1 1/2 year
4.94% Year

One Month
0.1667 0.166667

0.41667000%
1 months

1/12 year
5.12% Year

Good

1.161474

ars or

Many academic institutions offer a sabbatical policy. Every seven years a professor is given a year free
of teaching and other administrative responsibilities at full pay. For a professor earning $70000 per year
who works for a total of 42 years, what is the present value of the amount she will earn while on
sabbatical if the interest rate is 6% (EAR)

Background
Career length

42 years

Sabbaticals

1 every

Sabbatical

Year
1
2
3
4
5
6

7
14
21
28
35
42

PV
-$46,554.00
-$30,961.07
-$20,590.88
-$13,694.11
-$9,107.37
-$6,056.92
$126,964.34

6% EAR
7 years

70000 $/ annum
=

6 per career

or is given a year free

rning $70000 per year
earn while on

Oppenheimer Bank is offering a 30-year mortgage with an EAR of 5 3/8 %. If you plan to borrow $150,000, what
Background payment be?
Nper

Rate
30

PV
5.38%

PMT

FV

150000

0
-10,178.749

360

0.437247%

150000

0
-828.023

you plan to borrow $150,000, what will your monthly

Background

Sale price
Term
Payments
Interest

You have just sold your house for $1000000 in cash. Your mortgage was originally a 30-year mortgage with
payments and an initial balance of $800000. The mortgage is currently exactly 18.5 years old, and you have
payment. If the interest rate on the mortgage is 5.25% (APR), how much cash will you have from the sale on
off the mortgage?

1000000 PV at 18.5 years

30 Years
360
0.44% per month

5.25% APR
NPER

5.38% EAR

PV at start
PMT
FV
-800000
0
$4,417.63
NPER
RATE
PV today
PMT
FV
PV at 18.5 years
222
0.44%
-800000 $4,417.63
456,931.41
Total mortgage

RATE

360

0.44%

Cash

0.083333333
0.166666667
0.25
0.333333333
0.416666667
0.5
0.583333333
0.666666667
0.75
0.833333333
0.916666667
1
1.083333333
1.166666667
1.25
1.333333333
1.416666667
1.5
1.583333333
1.666666667
1.75
1.833333333
1.916666667
2
2.083333333
2.166666667
2.25
2.333333333
2.416666667
2.5

543,068.59

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

-800000
-807,917.63
-815,869.90
-823,856.96
-831,878.96
-839,936.06
-848,028.41
-856,156.17
-864,319.48
-872,518.51
-880,753.41
-889,024.33
-897,331.44
-905,674.90
-914,054.85
-922,471.47
-930,924.92
-939,415.34
-947,942.91
-956,507.79
-965,110.14
-973,750.13
-982,427.92
-991,143.67
-999,897.55
###########
###########
###########
###########
###########

-3500
-3534.63963
-3569.430808
-3604.374197
-3639.470464
-3674.720276
-3710.124307
-3745.683231
-3781.397724
-3817.268469
-3853.296148
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-807,917.63
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Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
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Jan
Feb
Mar
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May
June

2.583333333
2.666666667
2.75
2.833333333
2.916666667
3
3.083333333
3.166666667
3.25
3.333333333
3.416666667
3.5
3.583333333
3.666666667
3.75
3.833333333
3.916666667
4
4.083333333
4.166666667
4.25
4.333333333
4.416666667
4.5
4.583333333
4.666666667
4.75
4.833333333
4.916666667
5
5.083333333
5.166666667
5.25
5.333333333
5.416666667
5.5
5.583333333
5.666666667
5.75
5.833333333
5.916666667
6
6.083333333
6.166666667
6.25
6.333333333
6.416666667
6.5
6.583333333
6.666666667
6.75
6.833333333

31
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-$4,417.63
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-1,062,256.52
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July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct

6.916666667
7
7.083333333
7.166666667
7.25
7.333333333
7.416666667
7.5
7.583333333
7.666666667
7.75
7.833333333
7.916666667
8
8.083333333
8.166666667
8.25
8.333333333
8.416666667
8.5
8.583333333
8.666666667
8.75
8.833333333
8.916666667
9
9.083333333
9.166666667
9.25
9.333333333
9.416666667
9.5
9.583333333
9.666666667
9.75
9.833333333
9.916666667
10
10.08333333
10.16666667
10.25
10.33333333
10.41666667
10.5
10.58333333
10.66666667
10.75
10.83333333
10.91666667
11
11.08333333
11.16666667

83
84
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-$4,417.63
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-1,590,273.97
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Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb

11.25
11.33333333
11.41666667
11.5
11.58333333
11.66666667
11.75
11.83333333
11.91666667
12
12.08333333
12.16666667
12.25
12.33333333
12.41666667
12.5
12.58333333
12.66666667
12.75
12.83333333
12.91666667
13
13.08333333
13.16666667
13.25
13.33333333
13.41666667
13.5
13.58333333
13.66666667
13.75
13.83333333
13.91666667
14
14.08333333
14.16666667
14.25
14.33333333
14.41666667
14.5
14.58333333
14.66666667
14.75
14.83333333
14.91666667
15
15.08333333
15.16666667
15.25
15.33333333
15.41666667
15.5

135
136
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-$4,417.63
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-2,252,848.55
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Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June

15.58333333
15.66666667
15.75
15.83333333
15.91666667
16
16.08333333
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16.25
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16.41666667
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16.83333333
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17
17.08333333
17.16666667
17.25
17.33333333
17.41666667
17.5
17.58333333
17.66666667
17.75
17.83333333
17.91666667
18
18.08333333
18.16666667
18.25
18.33333333
18.41666667
18.5
18.58333333
18.66666667
18.75
18.83333333
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19
19.08333333
19.16666667
19.25
19.33333333
19.41666667
19.5
19.58333333
19.66666667
19.75
19.83333333

187
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-13572.04358
-13650.7484
-13729.79756
-13809.19255
-13888.9349
-13969.02612
-14049.46774
-14130.26129
-14211.40831
-14292.91035
-14374.76896
-14456.98571
-14539.56215
-14622.49986
-14705.80043
-14789.46543
-14873.49648
-14957.89515
-15042.66307
-15127.80185
-15213.31312
-15299.19849
-15385.45961
-15472.09813
-15559.11569
-15646.51395
-15734.29458
-15822.45925
-15911.00963
-15999.94743
-16089.27433
-16178.99203
-16269.10225
-16359.60671
-16450.50712
-16541.80521
-16633.50274
-16725.60145
-16818.10308
-16911.00941
-17004.32221
-17098.04325
-17192.17432
-17286.71721
-17381.67372
-17477.04568
-17572.83488
-17669.04316
-17765.67236
-17862.7243

-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63

-3,084,270.08
-3,102,181.39
-3,120,171.06
-3,138,239.44
-3,156,386.87
-3,174,613.69
-3,192,920.26
-3,211,306.91
-3,229,774.01
-3,248,321.90
-3,266,950.94
-3,285,661.48
-3,304,453.88
-3,323,328.49
-3,342,285.68
-3,361,325.81
-3,380,449.24
-3,399,656.34
-3,418,947.46
-3,438,322.99
-3,457,783.28
-3,477,328.71
-3,496,959.66
-3,516,676.48
-3,536,479.57
-3,556,369.30
-3,576,346.05
-3,596,410.19
-3,616,562.11
-3,636,802.20
-3,657,130.84
-3,677,548.42
-3,698,055.32
-3,718,651.94
-3,739,338.68
-3,760,115.91
-3,780,984.05
-3,801,943.48
-3,822,994.62
-3,844,137.85
-3,865,373.58
-3,886,702.22
-3,908,124.17
-3,929,639.84
-3,951,249.65
-3,972,953.99
-3,994,753.30
-4,016,647.97
-4,038,638.44
-4,060,725.11
-4,082,908.41
-4,105,188.77

July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct

19.91666667
20
20.08333333
20.16666667
20.25
20.33333333
20.41666667
20.5
20.58333333
20.66666667
20.75
20.83333333
20.91666667
21
21.08333333
21.16666667
21.25
21.33333333
21.41666667
21.5
21.58333333
21.66666667
21.75
21.83333333
21.91666667
22
22.08333333
22.16666667
22.25
22.33333333
22.41666667
22.5
22.58333333
22.66666667
22.75
22.83333333
22.91666667
23
23.08333333
23.16666667
23.25
23.33333333
23.41666667
23.5
23.58333333
23.66666667
23.75
23.83333333
23.91666667
24
24.08333333
24.16666667

239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290

###########
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###########
###########
###########
###########
###########
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###########
###########
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###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########

-17960.20085
-18058.10386
-18156.43519
-18255.19673
-18354.39034
-18454.01793
-18554.08139
-18654.58262
-18755.52355
-18856.9061
-18958.73219
-19061.00377
-19163.7228
-19266.89121
-19370.51099
-19474.58411
-19579.11254
-19684.09829
-19789.54335
-19895.44973
-20001.81945
-20108.65454
-20215.95703
-20323.72898
-20431.97242
-20540.68943
-20649.88207
-20759.55244
-20869.70261
-20980.33469
-21091.45078
-21203.05301
-21315.14349
-21427.72438
-21540.7978
-21654.36592
-21768.4309
-21882.99492
-21998.06015
-22113.62879
-22229.70305
-22346.28513
-22463.37725
-22580.98166
-22699.10058
-22817.73628
-22936.891
-23056.56703
-23176.76664
-23297.49213
-23418.74578
-23540.52993

-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63

-4,127,566.60
-4,150,042.33
-4,172,616.39
-4,195,289.22
-4,218,061.24
-4,240,932.89
-4,263,904.60
-4,286,976.81
-4,310,149.97
-4,333,424.50
-4,356,800.86
-4,380,279.50
-4,403,860.85
-4,427,545.37
-4,451,333.51
-4,475,225.72
-4,499,222.47
-4,523,324.19
-4,547,531.37
-4,571,844.45
-4,596,263.90
-4,620,790.18
-4,645,423.77
-4,670,165.12
-4,695,014.73
-4,719,973.05
-4,745,040.56
-4,770,217.74
-4,795,505.07
-4,820,903.04
-4,846,412.12
-4,872,032.80
-4,897,765.57
-4,923,610.93
-4,949,569.35
-4,975,641.35
-5,001,827.41
-5,028,128.03
-5,054,543.72
-5,081,074.98
-5,107,722.31
-5,134,486.23
-5,161,367.24
-5,188,365.85
-5,215,482.58
-5,242,717.94
-5,270,072.46
-5,297,546.66
-5,325,141.06
-5,352,856.18
-5,380,692.55
-5,408,650.71

Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb

24.25
24.33333333
24.41666667
24.5
24.58333333
24.66666667
24.75
24.83333333
24.91666667
25
25.08333333
25.16666667
25.25
25.33333333
25.41666667
25.5
25.58333333
25.66666667
25.75
25.83333333
25.91666667
26
26.08333333
26.16666667
26.25
26.33333333
26.41666667
26.5
26.58333333
26.66666667
26.75
26.83333333
26.91666667
27
27.08333333
27.16666667
27.25
27.33333333
27.41666667
27.5
27.58333333
27.66666667
27.75
27.83333333
27.91666667
28
28.08333333
28.16666667
28.25
28.33333333
28.41666667
28.5

291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342

###########
###########
###########
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###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########

-23662.84687
-23785.69896
-23909.08852
-24033.01791
-24157.4895
-24282.50564
-24408.06873
-24534.18116
-24660.84534
-24788.06366
-24915.83857
-25044.1725
-25173.06788
-25302.52718
-25432.55287
-25563.14742
-25694.31331
-25826.05307
-25958.36918
-26091.26417
-26224.74058
-26358.80095
-26493.44784
-26628.6838
-26764.51142
-26900.93329
-27037.952
-27175.57017
-27313.79042
-27452.61538
-27592.0477
-27732.09004
-27872.74507
-28014.01545
-28155.9039
-28298.41311
-28441.5458
-28585.30469
-28729.69253
-28874.71206
-29020.36606
-29166.65729
-29313.58854
-29461.16262
-29609.38234
-29758.25052
-29907.76999
-30057.94361
-30208.77425
-30360.26476
-30512.41805
-30665.23701

-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63

-5,436,731.19
-5,464,934.52
-5,493,261.24
-5,521,711.88
-5,550,287.00
-5,578,987.14
-5,607,812.84
-5,636,764.65
-5,665,843.12
-5,695,048.82
-5,724,382.28
-5,753,844.09
-5,783,434.78
-5,813,154.94
-5,843,005.12
-5,872,985.90
-5,903,097.84
-5,933,341.53
-5,963,717.52
-5,994,226.42
-6,024,868.79
-6,055,645.22
-6,086,556.30
-6,117,602.61
-6,148,784.75
-6,180,103.31
-6,211,558.90
-6,243,152.10
-6,274,883.52
-6,306,753.76
-6,338,763.44
-6,370,913.16
-6,403,203.53
-6,435,635.18
-6,468,208.71
-6,500,924.75
-6,533,783.93
-6,566,786.86
-6,599,934.19
-6,633,226.53
-6,666,664.52
-6,700,248.81
-6,733,980.03
-6,767,858.82
-6,801,885.83
-6,836,061.71
-6,870,387.11
-6,904,862.69
-6,939,489.09
-6,974,266.98
-7,009,197.03
-7,044,279.90

Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June

28.58333333
28.66666667
28.75
28.83333333
28.91666667
29
29.08333333
29.16666667
29.25
29.33333333
29.41666667
29.5
29.58333333
29.66666667
29.75
29.83333333
29.91666667
30

343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360

###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########
###########

-30818.72455
-30972.8836
-31127.7171
-31283.22799
-31439.41924
-31596.29383
-31753.85475
-31912.10499
-32071.04758
-32230.68554
-32391.02192
-32552.05977
-32713.80216
-32876.25218
-33039.41291
-33203.28747
-33367.87898
-33533.19058

-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63
-$4,417.63

-7,079,516.25
-7,114,906.77
-7,150,452.11
-7,186,152.97
-7,222,010.02
-7,258,023.94
-7,294,195.43
-7,330,525.16
-7,367,013.84
-7,403,662.15
-7,440,470.80
-7,477,440.49
-7,514,571.93
-7,551,865.81
-7,589,322.85
-7,626,943.77
-7,664,729.28
-7,702,680.10

July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov
Dec

as originally a 30-year mortgage with monthly

exactly 18.5 years old, and you have just made a
ch cash will you have from the sale once you pay

###########

You have just purchased your home and taken out a $500000 mortgage. The mortgage has a 30-year term with
Background monthly payments and an APR of 6%.
Total
APR
Term

500000
6% or
30 years
RATE

0.50% /month
360 periods

NPER
0.50%

PV
360

PMT
500000

or

6.17% EAR

FV
0

-$2,997.75
Question

How much will you pay in interest, and how much will you pay in principal, during the first year?
RATE

NPER
0.50%

Question

PV
12

500000

PMT
FV
-$2,997.75
-493,859.94
Principal
6,140.06
Interest
-29,832.97

35,973.03

How much will you pay in interest, and how much will you pay in principal, during the 20th year (i.e. between 19 an
RATE

NPER
0.50%

RATE

PV
228

NPER
0.50%

500000

PMT
FV
-$2,997.75
-289,162.02

500000

PMT
FV
-$2,997.75
-270,017.93

PV
240

Principal
Interest
Payments
Interest

19,144.08
-16,828.95

35,973.03

$0.00

Checksum
1
2
3
4
5
6
7
8
9
10
11

500000
$499,502.25
$499,002.01
$498,499.26
$497,994.01
$497,486.22
$496,975.90
$496,463.03
$495,947.59
$495,429.58
$494,908.97

Interest
$2,500.00
$2,497.51
$2,495.01
$2,492.50
$2,489.97
$2,487.43
$2,484.88
$2,482.32
$2,479.74
$2,477.15
$2,474.54

Payment
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75

Balance
$499,502.25
$499,002.01
$498,499.26
$497,994.01
$497,486.22
$496,975.90
$496,463.03
$495,947.59
$495,429.58
$494,908.97
$494,385.77

0.083333333
0.166666667
0.25
0.333333333
0.416666667
0.5
0.583333333
0.666666667
0.75
0.833333333
0.916666667

Year
Jan
Feb
Mar
Apr
May
June
July
Aug
Sep
Oct
Nov

20
Interest
16828.9474

12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63

$494,385.77
$493,859.94
$493,331.49
$492,800.39
$492,266.64
$491,730.22
$491,191.12
$490,649.32
$490,104.82
$489,557.59
$489,007.63
$488,454.91
$487,899.43
$487,341.18
$486,780.13
$486,216.28
$485,649.61
$485,080.10
$484,507.75
$483,932.54
$483,354.45
$482,773.47
$482,189.58
$481,602.78
$481,013.04
$480,420.35
$479,824.70
$479,226.07
$478,624.45
$478,019.82
$477,412.16
$476,801.47
$476,187.73
$475,570.91
$474,951.02
$474,328.02
$473,701.91
$473,072.66
$472,440.27
$471,804.72
$471,165.99
$470,524.07
$469,878.94
$469,230.58
$468,578.98
$467,924.12
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$2,471.93
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1 Dec
1.083333333
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1.25
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1.5
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2
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2.25
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3
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3.25
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4
4.083333333
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4.25
4.333333333
4.416666667
4.5
4.583333333
4.666666667
4.75
4.833333333
4.916666667
5
5.083333333
5.166666667
5.25

64
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$463,247.52
$462,566.00
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5.333333333
5.416666667
5.5
5.583333333
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5.75
5.833333333
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6
6.083333333
6.166666667
6.25
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6.5
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6.75
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7
7.083333333
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7.25
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7.5
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7.75
7.833333333
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8
8.083333333
8.166666667
8.25
8.333333333
8.416666667
8.5
8.583333333
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8.75
8.833333333
8.916666667
9
9.083333333
9.166666667
9.25
9.333333333
9.416666667
9.5
9.583333333

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$422,889.54
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$422,006.23
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$372,854.58
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$370,581.96

9.666666667
9.75
9.833333333
9.916666667
10
10.08333333
10.16666667
10.25
10.33333333
10.41666667
10.5
10.58333333
10.66666667
10.75
10.83333333
10.91666667
11
11.08333333
11.16666667
11.25
11.33333333
11.41666667
11.5
11.58333333
11.66666667
11.75
11.83333333
11.91666667
12
12.08333333
12.16666667
12.25
12.33333333
12.41666667
12.5
12.58333333
12.66666667
12.75
12.83333333
12.91666667
13
13.08333333
13.16666667
13.25
13.33333333
13.41666667
13.5
13.58333333
13.66666667
13.75
13.83333333
13.91666667

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$370,581.96
$369,437.11
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$1,852.91
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$1,528.66
$1,521.32

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$369,437.11
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$311,535.79
$310,095.71
$308,648.44
$307,193.93
$305,732.15
$304,263.06
$302,786.62

14
14.08333333
14.16666667
14.25
14.33333333
14.41666667
14.5
14.58333333
14.66666667
14.75
14.83333333
14.91666667
15
15.08333333
15.16666667
15.25
15.33333333
15.41666667
15.5
15.58333333
15.66666667
15.75
15.83333333
15.91666667
16
16.08333333
16.16666667
16.25
16.33333333
16.41666667
16.5
16.58333333
16.66666667
16.75
16.83333333
16.91666667
17
17.08333333
17.16666667
17.25
17.33333333
17.41666667
17.5
17.58333333
17.66666667
17.75
17.83333333
17.91666667
18
18.08333333
18.16666667
18.25

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237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271

$302,786.62
$301,302.80
$299,811.56
$298,312.87
$296,806.68
$295,292.96
$293,771.67
$292,242.78
$290,706.24
$289,162.02
$287,610.07
$286,050.37
$284,482.87
$282,907.53
$281,324.32
$279,733.19
$278,134.10
$276,527.02
$274,911.90
$273,288.71
$271,657.40
$270,017.93
$268,370.27
$266,714.37
$265,050.19
$263,377.68
$261,696.82
$260,007.55
$258,309.84
$256,603.63
$254,888.90
$253,165.59
$251,433.67
$249,693.08
$247,943.79
$246,185.76
$244,418.94
$242,643.28
$240,858.74
$239,065.28
$237,262.86
$235,451.42
$233,630.92
$231,801.33
$229,962.58
$228,114.64
$226,257.46
$224,391.00
$222,515.20
$220,630.02
$218,735.42
$216,831.34

$1,513.93
$1,506.51
$1,499.06
$1,491.56
$1,484.03
$1,476.46
$1,468.86
$1,461.21
$1,453.53
$1,445.81
$1,438.05
$1,430.25
$1,422.41
$1,414.54
$1,406.62
$1,398.67
$1,390.67
$1,382.64
$1,374.56
$1,366.44
$1,358.29
$1,350.09
$1,341.85
$1,333.57
$1,325.25
$1,316.89
$1,308.48
$1,300.04
$1,291.55
$1,283.02
$1,274.44
$1,265.83
$1,257.17
$1,248.47
$1,239.72
$1,230.93
$1,222.09
$1,213.22
$1,204.29
$1,195.33
$1,186.31
$1,177.26
$1,168.15
$1,159.01
$1,149.81
$1,140.57
$1,131.29
$1,121.95
$1,112.58
$1,103.15
$1,093.68
$1,084.16

-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75

$301,302.80
$299,811.56
$298,312.87
$296,806.68
$295,292.96
$293,771.67
$292,242.78
$290,706.24
$289,162.02
$287,610.07
$286,050.37
$284,482.87
$282,907.53
$281,324.32
$279,733.19
$278,134.10
$276,527.02
$274,911.90
$273,288.71
$271,657.40
$270,017.93
$268,370.27
$266,714.37
$265,050.19
$263,377.68
$261,696.82
$260,007.55
$258,309.84
$256,603.63
$254,888.90
$253,165.59
$251,433.67
$249,693.08
$247,943.79
$246,185.76
$244,418.94
$242,643.28
$240,858.74
$239,065.28
$237,262.86
$235,451.42
$233,630.92
$231,801.33
$229,962.58
$228,114.64
$226,257.46
$224,391.00
$222,515.20
$220,630.02
$218,735.42
$216,831.34
$214,917.75

18.33333333
18.41666667
18.5
18.58333333
18.66666667
18.75
18.83333333
18.91666667
19
19.08333333
19.16666667
19.25
19.33333333
19.41666667
19.5
19.58333333
19.66666667
19.75
19.83333333
19.91666667
20
20.08333333
20.16666667
20.25
20.33333333
20.41666667
20.5
20.58333333
20.66666667
20.75
20.83333333
20.91666667
21
21.08333333
21.16666667
21.25
21.33333333
21.41666667
21.5
21.58333333
21.66666667
21.75
21.83333333
21.91666667
22
22.08333333
22.16666667
22.25
22.33333333
22.41666667
22.5
22.58333333

272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323

$214,917.75
$212,994.58
$211,061.80
$209,119.36
$207,167.20
$205,205.29
$203,233.56
$201,251.98
$199,260.48
$197,259.03
$195,247.58
$193,226.06
$191,194.44
$189,152.66
$187,100.67
$185,038.42
$182,965.86
$180,882.94
$178,789.60
$176,685.79
$174,571.47
$172,446.57
$170,311.06
$168,164.86
$166,007.93
$163,840.22
$161,661.66
$159,472.22
$157,271.83
$155,060.44
$152,837.99
$150,604.42
$148,359.69
$146,103.74
$143,836.50
$141,557.93
$139,267.97
$136,966.56
$134,653.64
$132,329.15
$129,993.05
$127,645.26
$125,285.73
$122,914.41
$120,531.23
$118,136.13
$115,729.06
$113,309.95
$110,878.75
$108,435.39
$105,979.82
$103,511.96

$1,074.59
$1,064.97
$1,055.31
$1,045.60
$1,035.84
$1,026.03
$1,016.17
$1,006.26
$996.30
$986.30
$976.24
$966.13
$955.97
$945.76
$935.50
$925.19
$914.83
$904.41
$893.95
$883.43
$872.86
$862.23
$851.56
$840.82
$830.04
$819.20
$808.31
$797.36
$786.36
$775.30
$764.19
$753.02
$741.80
$730.52
$719.18
$707.79
$696.34
$684.83
$673.27
$661.65
$649.97
$638.23
$626.43
$614.57
$602.66
$590.68
$578.65
$566.55
$554.39
$542.18
$529.90
$517.56

-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75

$212,994.58
$211,061.80
$209,119.36
$207,167.20
$205,205.29
$203,233.56
$201,251.98
$199,260.48
$197,259.03
$195,247.58
$193,226.06
$191,194.44
$189,152.66
$187,100.67
$185,038.42
$182,965.86
$180,882.94
$178,789.60
$176,685.79
$174,571.47
$172,446.57
$170,311.06
$168,164.86
$166,007.93
$163,840.22
$161,661.66
$159,472.22
$157,271.83
$155,060.44
$152,837.99
$150,604.42
$148,359.69
$146,103.74
$143,836.50
$141,557.93
$139,267.97
$136,966.56
$134,653.64
$132,329.15
$129,993.05
$127,645.26
$125,285.73
$122,914.41
$120,531.23
$118,136.13
$115,729.06
$113,309.95
$110,878.75
$108,435.39
$105,979.82
$103,511.96
$101,031.77

22.66666667
22.75
22.83333333
22.91666667
23
23.08333333
23.16666667
23.25
23.33333333
23.41666667
23.5
23.58333333
23.66666667
23.75
23.83333333
23.91666667
24
24.08333333
24.16666667
24.25
24.33333333
24.41666667
24.5
24.58333333
24.66666667
24.75
24.83333333
24.91666667
25
25.08333333
25.16666667
25.25
25.33333333
25.41666667
25.5
25.58333333
25.66666667
25.75
25.83333333
25.91666667
26
26.08333333
26.16666667
26.25
26.33333333
26.41666667
26.5
26.58333333
26.66666667
26.75
26.83333333
26.91666667

324 $101,031.77
325 $98,539.18
326 $96,034.12
327 $93,516.54
328 $90,986.37
329 $88,443.55
330 $85,888.01
331 $83,319.70
332 $80,738.54
333 $78,144.48
334 $75,537.45
335 $72,917.39
336 $70,284.22
337 $67,637.89
338 $64,978.33
339 $62,305.47
340 $59,619.24
341 $56,919.59
342 $54,206.43
343 $51,479.71
344 $48,739.36
345 $45,985.30
346 $43,217.47
347 $40,435.81
348 $37,640.24
349 $34,830.68
350 $32,007.08
351 $29,169.37
352 $26,317.46
353 $23,451.30
354 $20,570.80
355 $17,675.90
356 $14,766.53
357 $11,842.61
358
$8,904.07
359
$5,950.84
360
$2,982.84

$505.16
$492.70
$480.17
$467.58
$454.93
$442.22
$429.44
$416.60
$403.69
$390.72
$377.69
$364.59
$351.42
$338.19
$324.89
$311.53
$298.10
$284.60
$271.03
$257.40
$243.70
$229.93
$216.09
$202.18
$188.20
$174.15
$160.04
$145.85
$131.59
$117.26
$102.85
$88.38
$73.83
$59.21
$44.52
$29.75
$14.91

-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75
-$2,997.75

$98,539.18
$96,034.12
$93,516.54
$90,986.37
$88,443.55
$85,888.01
$83,319.70
$80,738.54
$78,144.48
$75,537.45
$72,917.39
$70,284.22
$67,637.89
$64,978.33
$62,305.47
$59,619.24
$56,919.59
$54,206.43
$51,479.71
$48,739.36
$45,985.30
$43,217.47
$40,435.81
$37,640.24
$34,830.68
$32,007.08
$29,169.37
$26,317.46
$23,451.30
$20,570.80
$17,675.90
$14,766.53
$11,842.61
$8,904.07
$5,950.84
$2,982.84
-$0.00

27
27.08333333
27.16666667
27.25
27.33333333
27.41666667
27.5
27.58333333
27.66666667
27.75
27.83333333
27.91666667
28
28.08333333
28.16666667
28.25
28.33333333
28.41666667
28.5
28.58333333
28.66666667
28.75
28.83333333
28.91666667
29
29.08333333
29.16666667
29.25
29.33333333
29.41666667
29.5
29.58333333
29.66666667
29.75
29.83333333
29.91666667
30

age has a 30-year term with

20th year (i.e. between 19 and 20 years from now)

Month

Payments Principal
-35973 -19144.1

229 to

Month

240