| A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z | AA | AB | AC | |
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1 | Notes & Instructions | Renting Case | Owning Case | Comparison | |||||||||||||||||||||||||
2 | |||||||||||||||||||||||||||||
3 | How to Customize: | ||||||||||||||||||||||||||||
4 | 1) Click on "File", then "Make a Copy..." | Renting Assumptions | House and Mortgage Assumptions | Rates as a percent of the house value | |||||||||||||||||||||||||
5 | Or, download to excel with File -> "Download as" | Initial monthly rent: | $2,000 | House purchase Price | $360,000 | Mortgage Interest rate: | Maintenance % | Property tax % | Insurance % | House Appreciation | Monthly cost of living (in excess of renting) | After x years | Winner after selling both home and investments | Same number in today's dollars | |||||||||||||||
6 | 2) Change the Assumptions in your copy! Changable assumptions are in bold | Tax rate on investment gains (on sale only) | 20% | Downpayment (needs % sign) | 35% | First 5 Years | 2.94% | 1.75% | 1.11% | 0.23% | 2% | $0 | Input your own!--> | 3 | Buying by $153 | Buying by $144 | |||||||||||||
7 | TIP: If your analysis says one is better, play with your assumptions to see what it would take for the other one to be better | Note: if you prefer to assume that investments are taxed annually, then set the above tax rate to 0, and instead of nominal returns, enter after-tax investment returns below | Amortization (Maximum 30) | 15 | Next 5 Years: | 4.50% | 1.85% | 1.11% | 0.24% | 2% | $0 | one | Renting by $10510 | Renting by $10304 | |||||||||||||||
8 | Calculated numbers are in italics | Ontario Land Transfer Tax | $0 | Final 5+ Years | 5.50% | 1.95% | 1.20% | 0.27% | 2% | $0 | five | Buying by $10834 | Buying by $9813 | ||||||||||||||||
9 | CPI rate (rent increase) | Investment return* (on surplus over owning) | Renters insurance (% of monthly rent) | Monthly cost of living in renting case (in excess of owning) | Toronto Land Transfer Tax | $0 | ten | Buying by $31487 | Buying by $25830 | ||||||||||||||||||||
10 | First 5 Years | 2.00% | 6.00% | 1.00% | -$125 | Quebec Land Transfer Tax | $0 | Calculated Monthly payment | Built-in assumptions: | twenty | Buying by $193782 | Buying by $130410 | |||||||||||||||||
11 | Next 5 Years: | 2.00% | 6.00% | 1.00% | -$135 | Montreal Land Transfer Tax | $0 | First 5 Years | 1,611.64 | CMHC premium is capitalized to mortgage | thirty | Buying by $436242 | Buying by $311547 | ||||||||||||||||
12 | Final 5+ Years | 2.00% | 2.00% | 1.00% | -$145 | Title Insurance | $250 | Next 5 Years: | 1,737.04 | Other closing costs are paid as cash | fourty | Buying by $770422 | Buying by $451361 | ||||||||||||||||
13 | * - if renting is more expensive than owning in a year, you are assumed to sell investments (losing this rate of return). | Legal Fees (including disbursments) | $1,500 | Final 5 Years | 1,780.78 | House is in Ontario or Québec (choose in other assumptions) | fifty | Buying by $1224701 | Buying by $588605 | ||||||||||||||||||||
14 | or equivalently that the person is assumed to borrow at the investment return rate | Home Inspection | $400 | House is a primary residence (otherwise gains are taxable) | seventy five | Buying by $3150483 | Buying by $922925 | ||||||||||||||||||||||
15 | This 'borrowing' or 'selling investments' happens if the "surplus vs owning" is negative for a given year | Home Buyer Tax Credit | $750 | Other Assumptions | one hundred | Buying by $6990508 | Buying by $1248228 | ||||||||||||||||||||||
16 | CMHC insurance | 0.00% | Commission (on sale only) | 4.00% | one hundred and twenty five | Buying by $14403460 | Buying by $1567645 | ||||||||||||||||||||||
17 | Total Cash to be used toward purchase | $127,400 | Province | Ontario | one hundred and fifty | Buying by $28387591 | Buying by $1883237 | ||||||||||||||||||||||
18 | Built-in assumptions: | City | All others | ||||||||||||||||||||||||||
19 | The above 'borrowing' case implicitly assumes the borrowing is not tax-deductable | First time homebuyer | Yes | Note: for comparsions longer than the life of the mortgage, the difference in costs of living is assumed to be constant (and not rising with inflation) | |||||||||||||||||||||||||
20 | The 'selling investments' case implicitly assumes the investment return was after-tax, or that there is no tax on the sale of the investments | ||||||||||||||||||||||||||||
21 | Entering a "tax rate on investment gains" assumes that rate will only be triggered on the comparison date | ||||||||||||||||||||||||||||
22 | |||||||||||||||||||||||||||||
23 | Net worth comparison (without selling home or investments) | Assuming house and investments are sold (with sales commission, but no mortgage penalty in the buying case, and tax on investment gains for the renting case) | |||||||||||||||||||||||||||
24 | Year | Cost of Renting | Cost of Living | Total Annual Cash Outlay | Surplus vs owning (annual) | Beginning of year Investment portfolio | Mortgage (P+I) | Maintenance | Property Tax | Insurance | Cost of Living | Total Annual Cash Outlay | Mortgage Balance (opening) | Beginning of year House Value | Beginning of year Owner's Equity | Timing of comparison | Renter ahead by | Renter ahead by | In today's dollars (deflated by rent 'CPI') | ||||||||||
25 | 2025 | $24,240 | -$1,500 | $22,740 | $7,716 | $127,400 | $19,340 | $6,300 | $4,000 | $816 | $0 | $30,456 | $234,000 | $360,000 | $126,000 | At time of Purchase | $1,400 | $15,800 | $15,800 | ||||||||||
26 | 2026 | 24,725 | (1,500) | 23,225 | 7,453 | 143,223 | 19,340 | 6,426 | 4,080 | 832 | 0 | 30,678 | 221,421 | 367,200 | 145,779 | After 1 year | -2,557 | 10,510 | $10,304 | ||||||||||
27 | 2027 | 25,219 | (1,500) | 23,719 | 7,185 | 159,716 | 19,340 | 6,555 | 4,162 | 849 | 0 | 30,905 | 208,464 | 374,544 | 166,080 | After 2 years | -6,364 | 5,188 | $4,986 | ||||||||||
28 | 2028 | 25,724 | (1,500) | 24,224 | 6,912 | 176,916 | 19,340 | 6,686 | 4,245 | 866 | 0 | 31,136 | 195,117 | 382,035 | 186,917 | After 3 years | -10,002 | -153 | -$144 | ||||||||||
29 | 2029 | 26,238 | (1,500) | 24,738 | 6,634 | 194,857 | 19,340 | 6,819 | 4,330 | 883 | 0 | 31,372 | 181,371 | 389,676 | 208,305 | After 4 Years | -13,447 | -5,499 | -$5,080 | ||||||||||
30 | 2030 | 26,763 | (1,620) | 25,143 | 8,412 | 213,581 | 20,844 | 7,353 | 4,412 | 946 | 0 | 33,555 | 167,211 | 397,469 | 230,258 | After 5 Years | -16,677 | -10,834 | -$9,813 | ||||||||||
31 | 2031 | 27,298 | (1,620) | 25,678 | 8,131 | 235,313 | 20,844 | 7,500 | 4,500 | 965 | 0 | 33,810 | 153,697 | 405,418 | 251,722 | After 6 Years | -16,409 | -12,913 | -$11,466 | ||||||||||
32 | 2032 | 27,844 | (1,620) | 26,224 | 7,845 | 258,051 | 20,844 | 7,650 | 4,590 | 984 | 0 | 34,069 | 139,554 | 413,527 | 273,973 | After 7 Years | -15,923 | -15,023 | -$13,078 | ||||||||||
33 | 2033 | 28,401 | (1,620) | 26,781 | 7,552 | 281,849 | 20,844 | 7,803 | 4,682 | 1,004 | 0 | 34,333 | 124,754 | 421,797 | 297,044 | After 8 Years | -15,195 | -17,155 | -$14,642 | ||||||||||
34 | 2034 | 28,969 | (1,620) | 27,349 | 7,254 | 306,765 | 20,844 | 7,959 | 4,776 | 1,024 | 0 | 34,603 | 109,266 | 430,233 | 320,967 | After 9 Years | -14,202 | -19,298 | -$16,147 | ||||||||||
35 | 2035 | 29,548 | (1,740) | 27,808 | 8,566 | 320,300 | 21,369 | 8,557 | 5,266 | 1,181 | 0 | 36,374 | 93,059 | 438,838 | 345,779 | After 10 Years | -25,480 | -31,487 | -$25,830 | ||||||||||
36 | 2036 | 30,139 | (1,740) | 28,399 | 8,275 | 335,443 | 21,369 | 8,728 | 5,371 | 1,205 | 0 | 36,674 | 76,458 | 447,615 | 371,157 | After 11 Years | -35,714 | -42,686 | -$34,331 | ||||||||||
37 | 2037 | 30,742 | (1,740) | 29,002 | 7,978 | 350,592 | 21,369 | 8,903 | 5,479 | 1,229 | 0 | 36,980 | 58,908 | 456,567 | 397,659 | After 12 Years | -47,068 | -55,056 | -$43,411 | ||||||||||
38 | 2038 | 31,357 | (1,740) | 29,617 | 7,676 | 365,742 | 21,369 | 9,081 | 5,588 | 1,254 | 0 | 37,293 | 40,353 | 465,698 | 425,345 | After 13 Years | -59,604 | -68,661 | -$53,077 | ||||||||||
39 | 2039 | 31,984 | (1,740) | 30,244 | 7,367 | 380,885 | 21,369 | 9,263 | 5,700 | 1,279 | 0 | 37,611 | 20,738 | 475,012 | 454,275 | After 14 Years | -73,389 | -83,568 | -$63,334 | ||||||||||
40 | 2040 | 32,624 | (1,740) | 30,884 | (14,317) | 396,017 | 0 | 9,448 | 5,814 | 1,304 | 0 | 16,567 | 0 | 484,513 | 484,513 | After 15 Years | -88,495 | -99,847 | -$74,188 | ||||||||||
41 | 2041 | 33,276 | (1,740) | 31,536 | (14,638) | 389,334 | 0 | 9,637 | 5,930 | 1,330 | 0 | 16,898 | 0 | 494,203 | 494,203 | After 16 Years | -104,869 | -117,360 | -$85,490 | ||||||||||
42 | 2042 | 33,942 | (1,740) | 32,202 | (14,966) | 382,189 | 0 | 9,830 | 6,049 | 1,357 | 0 | 17,236 | 0 | 504,087 | 504,087 | After 17 Years | -121,898 | -135,492 | -$96,763 | ||||||||||
43 | 2043 | 34,621 | (1,740) | 32,881 | (15,300) | 374,568 | 0 | 10,026 | 6,170 | 1,384 | 0 | 17,581 | 0 | 514,169 | 514,169 | After 18 Years | -139,601 | -154,261 | -$108,007 | ||||||||||
44 | 2044 | 35,313 | (1,740) | 33,573 | (15,641) | 366,453 | 0 | 10,227 | 6,293 | 1,412 | 0 | 17,932 | 0 | 524,452 | 524,452 | After 19 Years | -157,999 | -173,685 | -$119,223 | ||||||||||
45 | 2045 | 36,019 | (1,740) | 34,279 | (15,989) | 357,828 | 0 | 10,431 | 6,419 | 1,440 | 0 | 18,291 | 0 | 534,941 | 534,941 | After 20 Years | -177,113 | -193,782 | -$130,410 | ||||||||||
46 | 2046 | 36,740 | (1,740) | 35,000 | (16,343) | 348,676 | 0 | 10,640 | 6,548 | 1,469 | 0 | 18,657 | 0 | 545,640 | 545,640 | After 21 Years | -196,963 | -214,572 | -$141,570 | ||||||||||
47 | 2047 | 37,475 | (1,740) | 35,735 | (16,705) | 338,980 | 0 | 10,853 | 6,679 | 1,498 | 0 | 19,030 | 0 | 556,553 | 556,553 | After 22 Years | -217,573 | -236,074 | -$152,702 | ||||||||||
48 | 2048 | 38,224 | (1,740) | 36,484 | (17,074) | 328,721 | 0 | 11,070 | 6,812 | 1,528 | 0 | 19,410 | 0 | 567,684 | 567,684 | After 23 Years | -238,963 | -258,309 | -$163,808 | ||||||||||
49 | 2049 | 38,989 | (1,740) | 37,249 | (17,450) | 317,880 | 0 | 11,291 | 6,948 | 1,559 | 0 | 19,799 | 0 | 579,037 | 579,037 | After 24 Years | -261,158 | -281,296 | -$174,887 | ||||||||||
50 | 2050 | 39,768 | (1,740) | 38,028 | (17,834) | 306,438 | 0 | 11,517 | 7,087 | 1,590 | 0 | 20,194 | 0 | 590,618 | 590,618 | After 25 Years | -284,180 | -305,056 | -$185,941 | ||||||||||
51 | 2051 | 40,564 | (1,740) | 38,824 | (18,225) | 294,377 | 0 | 11,747 | 7,229 | 1,622 | 0 | 20,598 | 0 | 602,431 | 602,431 | After 26 Years | -308,054 | -329,612 | -$196,969 | ||||||||||
52 | 2052 | 41,375 | (1,740) | 39,635 | (18,625) | 281,675 | 0 | 11,982 | 7,374 | 1,654 | 0 | 21,010 | 0 | 614,479 | 614,479 | After 27 Years | -332,805 | -354,986 | -$207,973 | ||||||||||
53 | 2053 | 42,202 | (1,740) | 40,462 | (19,032) | 268,311 | 0 | 12,222 | 7,521 | 1,687 | 0 | 21,431 | 0 | 626,769 | 626,769 | After 28 Years | -358,458 | -381,199 | -$218,951 | ||||||||||
54 | 2054 | 43,046 | (1,740) | 41,306 | (19,447) | 254,265 | 0 | 12,466 | 7,672 | 1,721 | 0 | 21,859 | 0 | 639,304 | 639,304 | After 29 Years | -385,039 | -408,277 | -$229,906 | ||||||||||
55 | 2042 | 43,907 | (1,740) | 42,167 | (19,871) | 239,514 | 0 | 12,716 | 7,825 | 1,756 | 0 | 22,296 | 0 | 652,090 | 652,090 | After 30 Years | -412,576 | -436,242 | -$311,547 | ||||||||||
56 | 2043 | 44,786 | (1,740) | 43,046 | (20,303) | 224,036 | 0 | 12,970 | 7,982 | 1,791 | 0 | 22,742 | 665,132 | 665,132 | After 31 Years | -441,096 | -465,119 | -$325,657 | |||||||||||
57 | 2044 | 45,681 | (1,740) | 43,941 | (20,744) | 207,807 | 0 | 13,229 | 8,141 | 1,826 | 0 | 23,197 | 678,435 | 678,435 | After 32 Years | -470,628 | -494,933 | -$339,737 | |||||||||||
58 | 2045 | 46,595 | (1,740) | 44,855 | (21,194) | 190,804 | 0 | 13,494 | 8,304 | 1,863 | 0 | 23,661 | 692,003 | 692,003 | After 33 Years | -501,199 | -525,710 | -$353,788 | |||||||||||
59 | 2046 | 47,527 | (1,740) | 45,787 | (21,652) | 173,002 | 0 | 13,764 | 8,470 | 1,900 | 0 | 24,134 | 705,843 | 705,843 | After 34 Years | -532,841 | -557,476 | -$367,809 | |||||||||||
60 | 2047 | 48,477 | (1,740) | 46,737 | (22,120) | 154,377 | 0 | 14,039 | 8,640 | 1,938 | 0 | 24,617 | 719,960 | 719,960 | After 35 Years | -565,583 | -590,259 | -$381,803 | |||||||||||
61 | 2048 | 49,447 | (1,740) | 47,707 | (22,598) | 134,902 | 0 | 14,320 | 8,812 | 1,977 | 0 | 25,109 | 734,359 | 734,359 | After 36 Years | -599,458 | -624,087 | -$395,768 | |||||||||||
62 | 2049 | 50,436 | (1,740) | 48,696 | (23,084) | 114,550 | 0 | 14,606 | 8,989 | 2,017 | 0 | 25,612 | 749,047 | 749,047 | After 37 Years | -634,496 | -658,987 | -$409,706 | |||||||||||
63 | 2050 | 51,445 | (1,740) | 49,705 | (23,581) | 93,295 | 0 | 14,899 | 9,168 | 2,057 | 0 | 26,124 | 764,028 | 764,028 | After 38 Years | -670,732 | -694,990 | -$423,618 | |||||||||||
64 | 2051 | 52,473 | (1,740) | 50,733 | (24,087) | 71,109 | 0 | 15,197 | 9,352 | 2,098 | 0 | 26,646 | 779,308 | 779,308 | After 39 Years | -708,199 | -732,124 | -$437,502 | |||||||||||
65 | 2052 | 53,523 | (1,740) | 51,783 | (24,604) | 47,962 | 0 | 15,500 | 9,539 | 2,140 | 0 | 27,179 | 794,894 | 794,894 | After 40 Years | -746,932 | -770,422 | -$451,361 | |||||||||||
66 | 2053 | 54,593 | (1,740) | 52,853 | (25,131) | 23,825 | 0 | 15,810 | 9,730 | 2,183 | 0 | 27,723 | 810,792 | 810,792 | After 41 Years | -786,967 | -809,914 | -$465,194 | |||||||||||
67 | 2054 | 55,685 | (1,740) | 53,945 | (25,668) | -1,331 | 0 | 16,127 | 9,924 | 2,226 | 0 | 28,277 | 827,008 | 827,008 | After 42 Years | -828,339 | -850,633 | -$479,002 | |||||||||||
68 | 2055 | 56,799 | (1,740) | 55,059 | (26,216) | -27,539 | 0 | 16,449 | 10,123 | 2,271 | 0 | 28,843 | 843,548 | 843,548 | After 43 Years | -871,087 | -892,611 | -$492,785 | |||||||||||
69 | 2056 | 57,935 | (1,740) | 56,195 | (26,775) | -54,831 | 0 | 16,778 | 10,325 | 2,316 | 0 | 29,420 | 860,419 | 860,419 | After 44 Years | -915,250 | -935,884 | -$506,543 | |||||||||||
70 | 2057 | 59,094 | (1,740) | 57,354 | (27,346) | -83,238 | 0 | 17,114 | 10,532 | 2,363 | 0 | 30,008 | 877,628 | 877,628 | After 45 Years | -960,866 | -980,485 | -$520,278 | |||||||||||
71 | 2058 | 60,275 | (1,740) | 58,535 | (27,927) | -112,795 | 0 | 17,456 | 10,742 | 2,410 | 0 | 30,608 | 895,180 | 895,180 | After 46 Years | -1,007,975 | -1,026,450 | -$533,989 | |||||||||||
72 | 2059 | 61,481 | (1,740) | 59,741 | (28,521) | -143,537 | 0 | 17,805 | 10,957 | 2,458 | 0 | 31,220 | 913,084 | 913,084 | After 47 Years | -1,056,621 | -1,073,816 | -$547,677 | |||||||||||
73 | 2060 | 62,711 | (1,740) | 60,971 | (29,126) | -175,499 | 0 | 18,161 | 11,176 | 2,507 | 0 | 31,845 | 931,345 | 931,345 | After 48 Years | -1,106,844 | -1,122,621 | -$561,342 | |||||||||||
74 | 2061 | 63,965 | (1,740) | 62,225 | (29,743) | -208,717 | 0 | 18,524 | 11,400 | 2,557 | 0 | 32,482 | 949,972 | 949,972 | After 49 Years | -1,158,690 | -1,172,903 | -$574,984 | |||||||||||
75 | 2062 | 65,244 | (1,740) | 63,504 | (30,373) | -243,230 | 0 | 18,895 | 11,628 | 2,609 | 0 | 33,131 | 968,972 | 968,972 | After 50 Years | -1,212,202 | -1,224,701 | -$588,605 | |||||||||||
76 | 2063 | 66,549 | (1,740) | 64,809 | (31,015) | -279,075 | 0 | 19,273 | 11,860 | 2,661 | 0 | 33,794 | 988,351 | 988,351 | After 51 Years | -1,267,426 | -1,278,056 | -$602,204 | |||||||||||
77 | 2064 | 67,880 | (1,740) | 66,140 | (31,670) | -316,292 | 0 | 19,658 | 12,097 | 2,714 | 0 | 34,470 | 1,008,118 | 1,008,118 | After 52 Years | -1,324,410 | -1,333,009 | -$615,781 | |||||||||||
78 | 2065 | 69,238 | (1,740) | 67,498 | (32,338) | -354,921 | 0 | 20,051 | 12,339 | 2,768 | 0 | 35,159 | 1,028,281 | 1,028,281 | After 53 Years | -1,383,202 | -1,389,602 | -$629,338 | |||||||||||
79 | 2066 | 70,622 | (1,740) | 68,882 | (33,020) | -395,005 | 0 | 20,452 | 12,586 | 2,824 | 0 | 35,862 | 1,048,846 | 1,048,846 | After 54 Years | -1,443,851 | -1,447,880 | -$642,873 | |||||||||||
80 | 2067 | 72,035 | (1,740) | 70,295 | (33,715) | -436,585 | 0 | 20,862 | 12,838 | 2,880 | 0 | 36,580 | 1,069,823 | 1,069,823 | After 55 Years | -1,506,408 | -1,507,886 | -$656,389 | |||||||||||
81 | 2068 | 73,475 | (1,740) | 71,735 | (34,424) | -479,707 | 0 | 21,279 | 13,095 | 2,938 | 0 | 37,311 | 1,091,220 | 1,091,220 | After 56 Years | -1,570,926 | -1,569,667 | -$669,885 | |||||||||||
82 | 2069 | 74,945 | (1,740) | 73,205 | (35,148) | -524,414 | 0 | 21,704 | 13,357 | 2,996 | 0 | 38,057 | 1,113,044 | 1,113,044 | After 57 Years | -1,637,457 | -1,633,269 | -$683,361 | |||||||||||
83 | 2070 | 76,444 | (1,740) | 74,704 | (35,885) | -570,752 | 0 | 22,138 | 13,624 | 3,056 | 0 | 38,818 | 1,135,305 | 1,135,305 | After 58 Years | -1,706,057 | -1,698,740 | -$696,818 | |||||||||||
84 | 2071 | 77,973 | (1,740) | 76,233 | (36,638) | -618,770 | 0 | 22,581 | 13,896 | 3,118 | 0 | 39,595 | 1,158,011 | 1,158,011 | After 59 Years | -1,776,781 | -1,766,129 | -$710,255 | |||||||||||
85 | 2072 | 79,532 | (1,740) | 77,792 | (37,405) | -668,516 | 0 | 23,033 | 14,174 | 3,180 | 0 | 40,387 | 1,181,171 | 1,181,171 | After 60 Years | -1,849,688 | -1,835,487 | -$723,675 | |||||||||||
86 | 2073 | 81,123 | (1,740) | 79,383 | (38,188) | -720,040 | 0 | 23,493 | 14,458 | 3,243 | 0 | 41,194 | 1,204,795 | 1,204,795 | After 61 Years | -1,924,835 | -1,906,866 | -$737,075 | |||||||||||
87 | 2074 | 82,745 | (1,740) | 81,005 | (38,987) | -773,393 | 0 | 23,963 | 14,747 | 3,308 | 0 | 42,018 | 1,228,890 | 1,228,890 | After 62 Years | -2,002,284 | -1,980,318 | -$750,458 | |||||||||||
88 | 2075 | 84,400 | (1,740) | 82,660 | (39,801) | -828,628 | 0 | 24,443 | 15,042 | 3,375 | 0 | 42,859 | 1,253,468 | 1,253,468 | After 63 Years | -2,082,096 | -2,055,898 | -$763,823 | |||||||||||
89 | 2076 | 86,088 | (1,740) | 84,348 | (40,632) | -885,798 | 0 | 24,931 | 15,342 | 3,442 | 0 | 43,716 | 1,278,538 | 1,278,538 | After 64 Years | -2,164,335 | -2,133,661 | -$777,171 | |||||||||||
90 | 2077 | 87,810 | (1,740) | 86,070 | (41,480) | -944,959 | 0 | 25,430 | 15,649 | 3,511 | 0 | 44,590 | 1,304,108 | 1,304,108 | After 65 Years | -2,249,067 | -2,213,664 | -$790,501 | |||||||||||
91 | 2078 | 89,566 | (1,740) | 87,826 | (42,344) | -1,006,167 | 0 | 25,939 | 15,962 | 3,581 | 0 | 45,482 | 1,330,190 | 1,330,190 | After 66 Years | -2,336,358 | -2,295,965 | -$803,815 | |||||||||||
92 | 2079 | 91,357 | (1,740) | 89,617 | (43,226) | -1,069,481 | 0 | 26,457 | 16,282 | 3,653 | 0 | 46,392 | 1,356,794 | 1,356,794 | After 67 Years | -2,426,276 | -2,380,625 | -$817,112 | |||||||||||
93 | 2080 | 93,185 | (1,740) | 91,445 | (44,125) | -1,134,961 | 0 | 26,987 | 16,607 | 3,726 | 0 | 47,320 | 1,383,930 | 1,383,930 | After 68 Years | -2,518,892 | -2,467,705 | -$830,393 | |||||||||||
94 | 2081 | 95,048 | (1,740) | 93,308 | (45,042) | -1,202,668 | 0 | 27,526 | 16,939 | 3,800 | 0 | 48,266 | 1,411,609 | 1,411,609 | After 69 Years | -2,614,277 | -2,557,267 | -$843,658 | |||||||||||
95 | 2082 | 96,949 | (1,740) | 95,209 | (45,978) | -1,272,665 | 0 | 28,077 | 17,278 | 3,876 | 0 | 49,231 | 1,439,841 | 1,439,841 | After 70 Years | -2,712,506 | -2,649,375 | -$856,907 | |||||||||||
96 | 2083 | 98,888 | (1,740) | 97,148 | (46,932) | -1,345,016 | 0 | 28,638 | 17,624 | 3,954 | 0 | 50,216 | 1,468,638 | 1,468,638 | After 71 Years | -2,813,654 | -2,744,097 | -$870,141 | |||||||||||
97 | 2084 | 100,866 | (1,740) | 99,126 | (47,906) | -1,419,787 | 0 | 29,211 | 17,976 | 4,033 | 0 | 51,220 | 1,498,011 | 1,498,011 | After 72 Years | -2,917,798 | -2,841,498 | -$883,359 | |||||||||||
98 | 2085 | 102,883 | (1,740) | 101,143 | (48,899) | -1,497,047 | 0 | 29,795 | 18,336 | 4,114 | 0 | 52,245 | 1,527,971 | 1,527,971 | After 73 Years | -3,025,018 | -2,941,649 | -$896,562 | |||||||||||
99 | 2086 | 104,941 | (1,740) | 103,201 | (49,912) | -1,576,865 | 0 | 30,391 | 18,702 | 4,196 | 0 | 53,289 | 1,558,530 | 1,558,530 | After 74 Years | -3,135,395 | -3,044,620 | -$909,751 | |||||||||||
100 | 2087 | 107,040 | (1,740) | 105,300 | (50,945) | -1,659,312 | 0 | 30,999 | 19,076 | 4,280 | 0 | 54,355 | 1,589,701 | 1,589,701 | After 75 Years | -3,249,012 | -3,150,483 | -$922,925 | |||||||||||