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1 | Loan Refinance Worksheet | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
2 | Supplementary Material to The Little Money Book, Chapter 8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
3 | You cannot edit this sheet directly but feel free to comment. Make a copy to enter your own data. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
4 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
5 | Figuring out the benefit of refinancing a loan is not simple because there are a lot of moving parts. This worksheet lets you experiment with some of the major ones. Don't focus just on the size of the payment. A lower payment is often the result of both a lower interest rate and a longer loan. The amount of the new loan should be about the same as the balance of the old one, except to pay for any upfront costs of the new loan. If you plan a "cash out" refinance -- where you receive additional money -- think of it as two loans: one that refinances your old loan and one that is just new debt. Use this worksheet for the refinancing part only. To estimate of how much interest you will save by refinancing to a lower rate enter the same payoff date for the old loan and the new loan. For example if you plan to stay in your home for five years, enter a date five years in the future. If you make the new loan longer you slow down repayment and may pay more interest even though the interest rate is lower. Try looking at the results by adding voluntary payments to the new loan so that your total monthly payments are the same as before. | Current Loan | New Loan | Difference | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
6 | Calculated Amounts | Payment # | Discount | Date | Payment | Interest | Principal | Balance | Cum Interest | PV Cum Interest | PMI | Cum PMI | PV Cum PMI | Payment | Interest | Principal | Balance | Cum Interest | PV Cum Interest | PMI | Cum PMI | PV Cum PMI | Cum Interest + PMI | PV Cum Interest + PMI | Date | ||||||||||||||||||||||||||||||||||||||||
7 | Current Loan | 1 | 0.99875 | 7/1/2021 | -$1,200.00 | -$468.75 | -$731.25 | $149,269 | -$468.75 | -$468.16 | $110 | $110 | $110 | -$1,199.67 | -$362.50 | -$837.17 | $149,163 | -$362.50 | -$362.05 | $0 | $0 | $0 | $216.25 | $215.98 | 7/1/2021 | ||||||||||||||||||||||||||||||||||||||||
8 | Remaining months to payoff (rounded up to whole month) | 49 | 2 | 0.99750 | 8/1/2021 | -$1,200.00 | -$466.46 | -$733.54 | $148,535 | -$935.21 | -$932.88 | $110 | $220 | $219 | -$1,199.67 | -$360.48 | -$839.20 | $148,324 | -$722.98 | -$721.17 | $0 | $0 | $0 | $432.24 | $431.16 | 8/1/2021 | |||||||||||||||||||||||||||||||||||||||
9 | Monthly interest rate | 0.31% | 3 | 0.99626 | 9/1/2021 | -$1,200.00 | -$464.17 | -$735.83 | $147,799 | -$1,399.39 | -$1,394.15 | $110 | $330 | $329 | -$1,199.67 | -$358.45 | -$841.22 | $147,482 | -$1,081.43 | -$1,077.38 | $0 | $0 | $0 | $647.96 | $645.54 | 9/1/2021 | |||||||||||||||||||||||||||||||||||||||
10 | Inputs | Results | Number of months needed to pay off loan | 159 | 4 | 0.99502 | 10/1/2021 | -$1,200.00 | -$461.87 | -$738.13 | $147,061 | -$1,861.26 | -$1,851.98 | $110 | $440 | $438 | -$1,199.67 | -$356.42 | -$843.26 | $146,639 | -$1,437.84 | -$1,430.67 | $0 | $0 | $0 | $863.42 | $859.12 | 10/1/2021 | |||||||||||||||||||||||||||||||||||||
11 | Date | 6/8/2021 | Change in required payment | Projected zero balance date | 9/1/2034 | 5 | 0.99377 | 11/1/2021 | -$1,200.00 | -$459.57 | -$740.43 | $146,321 | -$2,320.83 | -$2,306.38 | $110 | $550 | $547 | -$1,199.67 | -$354.38 | -$845.30 | $145,794 | -$1,792.22 | -$1,781.06 | $0 | $0 | $0 | $1,078.61 | $1,071.89 | 11/1/2021 | ||||||||||||||||||||||||||||||||||||
12 | Assumed inflation rate | 1.50% | Current loan | $1,200 | Interest paid until payoff date | $19,794 | 6 | 0.99253 | 12/1/2021 | -$1,200.00 | -$457.25 | -$742.75 | $145,578 | -$2,778.08 | -$2,757.33 | $110 | $660 | $655 | -$1,199.67 | -$352.34 | -$847.34 | $144,947 | -$2,144.55 | -$2,128.54 | $0 | $0 | $0 | $1,293.53 | $1,283.87 | 12/1/2021 | |||||||||||||||||||||||||||||||||||
13 | Marginal tax rate (if you are able to deduct interest, otherwise 0%) | 25% | New loan | $1,029 | Principal remaining on payoff date | $112,194 | 7 | 0.99129 | 1/1/2022 | -$1,200.00 | -$454.93 | -$745.07 | $144,833 | -$3,233.01 | -$3,204.86 | $110 | $770 | $763 | -$1,199.67 | -$350.29 | -$849.39 | $144,097 | -$2,494.84 | -$2,473.12 | $0 | $0 | $0 | $1,508.17 | $1,495.04 | 1/1/2022 | |||||||||||||||||||||||||||||||||||
14 | Original purchase price or market value of the home if the loan is a mortgage | $175,000 | Interest paid until payoff date (current dollars) | $18,642 | 8 | 0.99006 | 2/1/2022 | -$1,200.00 | -$452.60 | -$747.40 | $144,086 | -$3,685.61 | -$3,648.96 | $110 | $880 | $871 | -$1,199.67 | -$348.23 | -$851.44 | $143,246 | -$2,843.08 | -$2,814.81 | $0 | $0 | $0 | $1,722.54 | $1,705.41 | 2/1/2022 | |||||||||||||||||||||||||||||||||||||
15 | Today's estimated market value of the home if the loan is a mortgage | $180,000 | Time to recoup additional costs | PMI premiums paid until payoff date | $1,980 | 9 | 0.98882 | 3/1/2022 | -$1,200.00 | -$450.27 | -$749.73 | $143,336 | -$4,135.88 | -$4,089.64 | $110 | $990 | $979 | -$1,199.67 | -$346.18 | -$853.50 | $142,392 | -$3,189.25 | -$3,153.60 | $0 | $0 | $0 | $1,936.63 | $1,914.98 | 3/1/2022 | ||||||||||||||||||||||||||||||||||||
16 | Additional upfront costs will be recouped by | September 2022 | PMI premiums paid until payoff date (current dollars) | $1,865 | 10 | 0.98759 | 4/1/2022 | -$1,200.00 | -$447.92 | -$752.08 | $142,584 | -$4,583.81 | -$4,526.90 | $110 | $1,100 | $1,086 | -$1,199.67 | -$344.11 | -$855.56 | $141,537 | -$3,533.37 | -$3,489.50 | $0 | $0 | $0 | $2,150.44 | $2,123.74 | 4/1/2022 | |||||||||||||||||||||||||||||||||||||
17 | Enter current loan information below | 11 | 0.98635 | 5/1/2022 | -$1,200.00 | -$445.57 | -$754.43 | $141,829 | -$5,029.38 | -$4,960.74 | $110 | $1,210 | $1,193 | -$1,199.67 | -$342.05 | -$857.63 | $140,679 | -$3,875.42 | -$3,822.53 | $0 | $0 | $0 | $2,363.97 | $2,331.70 | 5/1/2022 | ||||||||||||||||||||||||||||||||||||||||
18 | Balance - the remaining principal owed | $150,000 | Savings from refinancing | New Loan | 12 | 0.98512 | 6/1/2022 | -$1,200.00 | -$443.22 | -$756.78 | $141,073 | -$5,472.60 | -$5,391.17 | $110 | $1,320 | $1,300 | -$1,199.67 | -$339.97 | -$859.70 | $139,819 | -$4,215.39 | -$4,152.67 | $0 | $0 | $0 | $2,577.21 | $2,538.86 | 6/1/2022 | |||||||||||||||||||||||||||||||||||||
19 | Required payment - the monthly payment, principal and interest only | $1,200 | Your current loan is projected to be paid off in | June 2025 | Reduction in required payment | $171 | 13 | 0.98389 | 7/1/2022 | -$1,200.00 | -$440.85 | -$759.15 | $140,313 | -$5,913.45 | -$5,818.19 | $110 | $1,430 | $1,407 | -$1,199.67 | -$337.90 | -$861.78 | $138,958 | -$4,553.29 | -$4,479.94 | $0 | $0 | $0 | $2,790.16 | $2,745.22 | 7/1/2022 | |||||||||||||||||||||||||||||||||||
20 | Voluntary payment - any regular additional monthly principal payments you will make | $0 | Interest you will pay on your current loan from today until the payoff date | $19,794 | Remaining months to payoff (rounded up to whole month) | 49 | 14 | 0.98266 | 8/1/2022 | -$1,200.00 | -$438.48 | -$761.52 | $139,552 | -$6,351.93 | -$6,241.81 | $110 | $1,540 | $1,513 | -$1,199.67 | -$335.81 | -$863.86 | $138,094 | -$4,889.10 | -$4,804.34 | $0 | $0 | $0 | $3,002.83 | $2,950.77 | 8/1/2022 | |||||||||||||||||||||||||||||||||||
21 | PMI payment - monthly mortgage insurance payment | $110 | Estimated PMI premiums you will pay on your current loan until the payoff date | $1,980 | Monthly interest rate | 0.24% | 15 | 0.98144 | 9/1/2022 | -$1,200.00 | -$436.10 | -$763.90 | $138,788 | -$6,788.03 | -$6,662.02 | $110 | $1,650 | $1,619 | -$1,199.67 | -$333.73 | -$865.95 | $137,228 | -$5,222.83 | -$5,125.87 | $0 | $0 | $0 | $3,215.20 | $3,155.52 | 9/1/2022 | |||||||||||||||||||||||||||||||||||
22 | Planned payoff date - this could be the maturity date or an earlier payoff date | 6/30/2025 | Remaining principal you will owe on the payoff date | $112,194 | Number of months needed to pay of loan | 149 | 16 | 0.98021 | 10/1/2022 | -$1,200.00 | -$433.71 | -$766.29 | $138,022 | -$7,221.74 | -$7,078.83 | $110 | $1,760 | $1,725 | -$1,199.67 | -$331.63 | -$868.04 | $136,360 | -$5,554.46 | -$5,444.54 | $0 | $0 | $0 | $3,427.28 | $3,359.46 | 10/1/2022 | |||||||||||||||||||||||||||||||||||
23 | Interest rate | 3.75% | Projected zero balance date | 12/1/2033 | 17 | 0.97899 | 11/1/2022 | -$1,200.00 | -$431.32 | -$768.68 | $137,253 | -$7,653.06 | -$7,492.25 | $110 | $1,870 | $1,831 | -$1,199.67 | -$329.54 | -$870.14 | $135,490 | -$5,884.00 | -$5,760.36 | $0 | $0 | $0 | $3,639.06 | $3,562.60 | 11/1/2022 | |||||||||||||||||||||||||||||||||||||
24 | The new loan is projected to be paid off in | June 2025 | Interest paid until payoff date | $15,030.95 | 18 | 0.97776 | 12/1/2022 | -$1,200.00 | -$428.92 | -$771.08 | $136,482 | -$8,081.98 | -$7,902.27 | $110 | $1,980 | $1,936 | -$1,199.67 | -$327.43 | -$872.24 | $134,617 | -$6,211.43 | -$6,073.32 | $0 | $0 | $0 | $3,850.55 | $3,764.93 | 12/1/2022 | |||||||||||||||||||||||||||||||||||||
25 | Enter new loan information below | Total interest you will pay on the new loan until its payoff date | $15,031 | Principal remaining on payoff date | $107,447 | 19 | 0.97654 | 1/1/2023 | -$1,200.00 | -$426.51 | -$773.49 | $135,708 | -$8,508.48 | -$8,308.91 | 0 | $1,980 | $1,934 | -$1,199.67 | -$325.33 | -$874.35 | $133,743 | -$6,536.75 | -$6,383.43 | $0 | $0 | $0 | $3,951.73 | $3,859.04 | 1/1/2023 | ||||||||||||||||||||||||||||||||||||
26 | Balance - loan principal | $150,000 | Estimated PMI premiums you will pay until payoff date | $0 | Interest paid until payoff date (current dollars) | $14,156.15 | 20 | 0.97533 | 2/1/2023 | -$1,200.00 | -$424.09 | -$775.91 | $134,933 | -$8,932.57 | -$8,712.16 | 0 | $1,980 | $1,931 | -$1,199.67 | -$323.21 | -$876.46 | $132,866 | -$6,859.97 | -$6,690.70 | $0 | $0 | $0 | $4,052.60 | $3,952.61 | 2/1/2023 | |||||||||||||||||||||||||||||||||||
27 | Required payment - monthly payment based on loan term (calculated field - do not change) | $1,029 | Remaining principal you will owe on the payoff date | $107,447 | PMI premiums paid until payoff date | $0 | 21 | 0.97411 | 3/1/2023 | -$1,200.00 | -$421.66 | -$778.34 | $134,154 | -$9,354.23 | -$9,112.03 | 0 | $1,980 | $1,929 | -$1,199.67 | -$321.09 | -$878.58 | $131,988 | -$7,181.06 | -$6,995.12 | $0 | $0 | $0 | $4,153.17 | $4,045.64 | 3/1/2023 | |||||||||||||||||||||||||||||||||||
28 | Up-front points on loan | 1% | PMI premiums paid until payoff date (current dollars) | $0 | 22 | 0.97289 | 4/1/2023 | -$1,200.00 | -$419.23 | -$780.77 | $133,373 | -$9,773.47 | -$9,508.52 | 0 | $1,980 | $1,926 | -$1,199.67 | -$318.97 | -$880.70 | $131,107 | -$7,500.03 | -$7,296.72 | $0 | $0 | $0 | $4,253.44 | $4,138.13 | 4/1/2023 | |||||||||||||||||||||||||||||||||||||
29 | Up-front estimated closing costs | $2,000 | Interest saved after taxes (additional interest paid if negative) | $3,573 | 23 | 0.97168 | 5/1/2023 | -$1,200.00 | -$416.79 | -$783.21 | $132,590 | -$10,190.26 | -$9,901.64 | 0 | $1,980 | $1,924 | -$1,199.67 | -$316.84 | -$882.83 | $130,224 | -$7,816.87 | -$7,595.47 | $0 | $0 | $0 | $4,353.39 | $4,230.08 | 5/1/2023 | |||||||||||||||||||||||||||||||||||||
30 | Stated loan term (in years) | 15 | PMI premiums saved | $1,980 | 24 | 0.97046 | 6/1/2023 | -$1,200.00 | -$414.34 | -$785.66 | $131,805 | -$10,604.60 | -$10,291.38 | 0 | $1,980 | $1,922 | -$1,199.67 | -$314.71 | -$884.96 | $129,339 | -$8,131.58 | -$7,891.41 | $0 | $0 | $0 | $4,453.02 | $4,321.49 | 6/1/2023 | |||||||||||||||||||||||||||||||||||||
31 | PMI payment - monthly mortgage insurance payment | $0 | Expenses related to new loan | -$3,125 | 25 | 0.96925 | 7/1/2023 | -$1,200.00 | -$411.89 | -$788.11 | $131,016 | -$11,016.49 | -$10,677.76 | 0 | $1,980 | $1,919 | -$1,199.67 | -$312.57 | -$887.10 | $128,452 | -$8,444.15 | -$8,184.51 | $0 | $0 | $0 | $4,552.34 | $4,412.37 | 7/1/2023 | |||||||||||||||||||||||||||||||||||||
32 | Voluntary payment - any regular additional monthly principal payments you will make | $171 | Total savings (additional costs if negative) | $2,428 | 26 | 0.96804 | 8/1/2023 | -$1,200.00 | -$409.43 | -$790.57 | $130,226 | -$11,425.92 | -$11,060.77 | 0 | $1,980 | $1,917 | -$1,199.67 | -$310.43 | -$889.25 | $127,563 | -$8,754.58 | -$8,474.80 | $0 | $0 | $0 | $4,651.34 | $4,502.69 | 8/1/2023 | |||||||||||||||||||||||||||||||||||||
33 | Planned payoff date - this could be the maturity date or an earlier payoff date | 6/30/2025 | 27 | 0.96683 | 9/1/2023 | -$1,200.00 | -$406.96 | -$793.04 | $129,433 | -$11,832.88 | -$11,440.42 | 0 | $1,980 | $1,914 | -$1,199.67 | -$308.28 | -$891.40 | $126,672 | -$9,062.86 | -$8,762.27 | $0 | $0 | $0 | $4,750.02 | $4,592.48 | 9/1/2023 | |||||||||||||||||||||||||||||||||||||||
34 | Interest rate | 2.90% | Savings from refinancing in today's dollars (adjusted for inflation) | 28 | 0.96563 | 10/1/2023 | -$1,200.00 | -$404.48 | -$795.52 | $128,637 | -$12,237.35 | -$11,816.71 | 0 | $1,980 | $1,912 | -$1,199.67 | -$306.12 | -$893.55 | $125,778 | -$9,368.98 | -$9,046.94 | $0 | $0 | $0 | $4,848.37 | $4,681.72 | 10/1/2023 | ||||||||||||||||||||||||||||||||||||||
35 | Interest saved after taxes (additional interest paid if negative) | $3,365 | 29 | 0.96442 | 11/1/2023 | -$1,200.00 | -$401.99 | -$798.01 | $127,839 | -$12,639.34 | -$12,189.65 | 0 | $1,980 | $1,910 | -$1,199.67 | -$303.96 | -$895.71 | $124,882 | -$9,672.94 | -$9,328.79 | $0 | $0 | $0 | $4,946.40 | $4,770.41 | 11/1/2023 | |||||||||||||||||||||||||||||||||||||||
36 | PMI premiums saved | $1,865 | 30 | 0.96322 | 12/1/2023 | -$1,200.00 | -$399.50 | -$800.50 | $127,039 | -$13,038.84 | -$12,559.23 | 0 | $1,980 | $1,907 | -$1,199.67 | -$301.80 | -$897.87 | $123,985 | -$9,974.74 | -$9,607.84 | $0 | $0 | $0 | $5,044.10 | $4,858.56 | 12/1/2023 | |||||||||||||||||||||||||||||||||||||||
37 | Expenses related to new loan | -$3,125 | 31 | 0.96201 | 1/1/2024 | -$1,200.00 | -$397.00 | -$803.00 | $126,236 | -$13,435.84 | -$12,925.47 | 0 | $1,980 | $1,905 | -$1,199.67 | -$299.63 | -$900.04 | $123,084 | -$10,274.37 | -$9,884.09 | $0 | $0 | $0 | $5,141.47 | $4,946.17 | 1/1/2024 | |||||||||||||||||||||||||||||||||||||||
38 | Total savings (additional costs if negative) | $2,104 | 32 | 0.96081 | 2/1/2024 | -$1,200.00 | -$394.49 | -$805.51 | $125,430 | -$13,830.33 | -$13,288.36 | 0 | $1,980 | $1,902 | -$1,199.67 | -$297.45 | -$902.22 | $122,182 | -$10,571.83 | -$10,157.55 | $0 | $0 | $0 | $5,238.50 | $5,033.22 | 2/1/2024 | |||||||||||||||||||||||||||||||||||||||
39 | 33 | 0.95961 | 3/1/2024 | -$1,200.00 | -$391.97 | -$808.03 | $124,622 | -$14,222.30 | -$13,647.91 | 0 | $1,980 | $1,900 | -$1,199.67 | -$295.27 | -$904.40 | $121,278 | -$10,867.10 | -$10,428.22 | $0 | $0 | $0 | $5,335.20 | $5,119.73 | 3/1/2024 | |||||||||||||||||||||||||||||||||||||||||
40 | 34 | 0.95842 | 4/1/2024 | -$1,200.00 | -$389.44 | -$810.56 | $123,812 | -$14,611.74 | -$14,004.12 | 0 | $1,980 | $1,898 | -$1,199.67 | -$293.09 | -$906.59 | $120,371 | -$11,160.19 | -$10,696.10 | $0 | $0 | $0 | $5,431.55 | $5,205.69 | 4/1/2024 | |||||||||||||||||||||||||||||||||||||||||
41 | This worksheet is for educational purposes. It is not personal financial advice. The accuracy and completeness of any data and calculations in this worksheet are not guaranteed. | 35 | 0.95722 | 5/1/2024 | -$1,200.00 | -$386.91 | -$813.09 | $122,999 | -$14,998.65 | -$14,357.00 | 0 | $1,980 | $1,895 | -$1,199.67 | -$290.90 | -$908.78 | $119,463 | -$11,451.09 | -$10,961.20 | $0 | $0 | $0 | $5,527.57 | $5,291.09 | 5/1/2024 | ||||||||||||||||||||||||||||||||||||||||
42 | (c) 2020 Fieldmark, LLC | 36 | 0.95602 | 6/1/2024 | -$1,200.00 | -$384.37 | -$815.63 | $122,183 | -$15,383.02 | -$14,706.54 | 0 | $1,980 | $1,893 | -$1,199.67 | -$288.70 | -$910.97 | $118,552 | -$11,739.79 | -$11,223.52 | $0 | $0 | $0 | $5,623.24 | $5,375.95 | 6/1/2024 | ||||||||||||||||||||||||||||||||||||||||
43 | 37 | 0.95483 | 7/1/2024 | -$1,200.00 | -$381.82 | -$818.18 | $121,365 | -$15,764.84 | -$15,052.76 | 0 | $1,980 | $1,891 | -$1,199.67 | -$286.50 | -$913.17 | $117,638 | -$12,026.29 | -$11,483.07 | $0 | $0 | $0 | $5,718.56 | $5,460.26 | 7/1/2024 | |||||||||||||||||||||||||||||||||||||||||
44 | 38 | 0.95364 | 8/1/2024 | -$1,200.00 | -$379.27 | -$820.73 | $120,544 | -$16,144.11 | -$15,395.65 | 0 | $1,980 | $1,888 | -$1,199.67 | -$284.29 | -$915.38 | $116,723 | -$12,310.58 | -$11,739.85 | $0 | $0 | $0 | $5,813.53 | $5,544.01 | 8/1/2024 | |||||||||||||||||||||||||||||||||||||||||
45 | 39 | 0.95245 | 9/1/2024 | -$1,200.00 | -$376.70 | -$823.30 | $119,721 | -$16,520.81 | -$15,735.22 | 0 | $1,980 | $1,886 | -$1,199.67 | -$282.08 | -$917.59 | $115,805 | -$12,592.66 | -$11,993.86 | $0 | $0 | $0 | $5,908.15 | $5,627.21 | 9/1/2024 | |||||||||||||||||||||||||||||||||||||||||
46 | 40 | 0.95126 | 10/1/2024 | -$1,200.00 | -$374.13 | -$825.87 | $118,895 | -$16,894.94 | -$16,071.46 | 0 | $1,980 | $1,883 | -$1,199.67 | -$279.86 | -$919.81 | $114,886 | -$12,872.52 | -$12,245.10 | $0 | $0 | $0 | $6,002.42 | $5,709.85 | 10/1/2024 | |||||||||||||||||||||||||||||||||||||||||
47 | 41 | 0.95007 | 11/1/2024 | -$1,200.00 | -$371.55 | -$828.45 | $118,066 | -$17,266.48 | -$16,404.40 | 0 | $1,980 | $1,881 | -$1,199.67 | -$277.64 | -$922.03 | $113,964 | -$13,150.16 | -$12,493.60 | $0 | $0 | $0 | $6,096.32 | $5,791.94 | 11/1/2024 | |||||||||||||||||||||||||||||||||||||||||
48 | 42 | 0.94889 | 12/1/2024 | -$1,200.00 | -$368.96 | -$831.04 | $117,235 | -$17,635.44 | -$16,734.01 | 0 | $1,980 | $1,879 | -$1,199.67 | -$275.41 | -$924.26 | $113,039 | -$13,425.57 | -$12,739.33 | $0 | $0 | $0 | $6,189.87 | $5,873.48 | 12/1/2024 | |||||||||||||||||||||||||||||||||||||||||
49 | 43 | 0.94770 | 1/1/2025 | -$1,200.00 | -$366.36 | -$833.64 | $116,402 | -$18,001.80 | -$17,060.32 | 0 | $1,980 | $1,876 | -$1,199.67 | -$273.18 | -$926.50 | $112,113 | -$13,698.75 | -$12,982.32 | $0 | $0 | $0 | $6,283.05 | $5,954.45 | 1/1/2025 | |||||||||||||||||||||||||||||||||||||||||
50 | 44 | 0.94652 | 2/1/2025 | -$1,200.00 | -$363.76 | -$836.24 | $115,566 | -$18,365.56 | -$17,383.33 | 0 | $1,980 | $1,874 | -$1,199.67 | -$270.94 | -$928.73 | $111,184 | -$13,969.69 | -$13,222.56 | $0 | $0 | $0 | $6,375.87 | $6,034.87 | 2/1/2025 | |||||||||||||||||||||||||||||||||||||||||
51 | 45 | 0.94534 | 3/1/2025 | -$1,200.00 | -$361.14 | -$838.86 | $114,727 | -$18,726.70 | -$17,703.02 | 0 | $1,980 | $1,872 | -$1,199.67 | -$268.69 | -$930.98 | $110,253 | -$14,238.39 | -$13,460.06 | $0 | $0 | $0 | $6,468.31 | $6,114.73 | 3/1/2025 | |||||||||||||||||||||||||||||||||||||||||
52 | 46 | 0.94416 | 4/1/2025 | -$1,200.00 | -$358.52 | -$841.48 | $113,885 | -$19,085.22 | -$18,019.42 | 0 | $1,980 | $1,869 | -$1,199.67 | -$266.44 | -$933.23 | $109,320 | -$14,504.83 | -$13,694.82 | $0 | $0 | $0 | $6,560.39 | $6,194.03 | 4/1/2025 | |||||||||||||||||||||||||||||||||||||||||
53 | 47 | 0.94298 | 5/1/2025 | -$1,200.00 | -$355.89 | -$844.11 | $113,041 | -$19,441.11 | -$18,332.52 | 0 | $1,980 | $1,867 | -$1,199.67 | -$264.19 | -$935.48 | $108,384 | -$14,769.02 | -$13,926.85 | $0 | $0 | $0 | $6,652.09 | $6,272.77 | 5/1/2025 | |||||||||||||||||||||||||||||||||||||||||
54 | 48 | 0.94180 | 6/1/2025 | -$1,200.00 | -$353.25 | -$846.75 | $112,194 | -$19,794.37 | -$18,642.33 | 0 | $1,980 | $1,865 | -$1,199.67 | -$261.93 | -$937.74 | $107,447 | -$15,030.95 | -$14,156.15 | $0 | $0 | $0 | $6,743.42 | $6,350.95 | 6/1/2025 | |||||||||||||||||||||||||||||||||||||||||
55 | 49 | 0.94062 | 7/1/2025 | -$1,200.00 | -$350.61 | -$849.39 | $111,345 | -$20,144.97 | -$18,948.85 | 0 | $1,980 | $1,862 | -$1,199.67 | -$259.66 | -$940.01 | $106,507 | -$15,290.61 | -$14,382.72 | $0 | $0 | $0 | $6,834.36 | $6,428.56 | 7/1/2025 | |||||||||||||||||||||||||||||||||||||||||
56 | 50 | 0.93945 | 8/1/2025 | -$1,200.00 | -$347.95 | -$852.05 | $110,493 | -$20,492.93 | -$19,252.07 | 0 | $1,980 | $1,860 | -$1,199.67 | -$257.39 | -$942.28 | $105,564 | -$15,548.00 | -$14,606.57 | $0 | $0 | $0 | $6,924.92 | $6,505.62 | 8/1/2025 | |||||||||||||||||||||||||||||||||||||||||
57 | 51 | 0.93828 | 9/1/2025 | -$1,200.00 | -$345.29 | -$854.71 | $109,638 | -$20,838.22 | -$19,552.02 | 0 | $1,980 | $1,858 | -$1,199.67 | -$255.11 | -$944.56 | $104,620 | -$15,803.12 | -$14,827.70 | $0 | $0 | $0 | $7,015.10 | $6,582.11 | 9/1/2025 | |||||||||||||||||||||||||||||||||||||||||
58 | 52 | 0.93711 | 10/1/2025 | -$1,200.00 | -$342.62 | -$857.38 | $108,781 | -$21,180.84 | -$19,848.68 | 0 | $1,980 | $1,855 | -$1,199.67 | -$252.83 | -$946.84 | $103,673 | -$16,055.95 | -$15,046.12 | $0 | $0 | $0 | $7,104.89 | $6,658.03 | 10/1/2025 | |||||||||||||||||||||||||||||||||||||||||
59 | 53 | 0.93594 | 11/1/2025 | -$1,200.00 | -$339.94 | -$860.06 | $107,921 | -$21,520.78 | -$20,142.06 | 0 | $1,980 | $1,853 | -$1,199.67 | -$250.54 | -$949.13 | $102,724 | -$16,306.49 | -$15,261.83 | $0 | $0 | $0 | $7,194.29 | $6,733.39 | 11/1/2025 | |||||||||||||||||||||||||||||||||||||||||
60 | 54 | 0.93477 | 12/1/2025 | -$1,200.00 | -$337.25 | -$862.75 | $107,058 | -$21,858.03 | -$20,432.17 | 0 | $1,980 | $1,851 | -$1,199.67 | -$248.25 | -$951.42 | $101,772 | -$16,554.74 | -$15,474.83 | $0 | $0 | $0 | $7,283.29 | $6,808.18 | 12/1/2025 | |||||||||||||||||||||||||||||||||||||||||
61 | 55 | 0.93360 | 1/1/2026 | -$1,200.00 | -$334.56 | -$865.44 | $106,193 | -$22,192.59 | -$20,719.00 | 0 | $1,980 | $1,849 | -$1,199.67 | -$245.95 | -$953.72 | $100,819 | -$16,800.69 | -$15,685.13 | $0 | $0 | $0 | $7,371.90 | $6,882.40 | 1/1/2026 | |||||||||||||||||||||||||||||||||||||||||
62 | 56 | 0.93243 | 2/1/2026 | -$1,200.00 | -$331.85 | -$868.15 | $105,324 | -$22,524.44 | -$21,002.56 | 0 | $1,980 | $1,846 | -$1,199.67 | -$243.65 | -$956.03 | $99,863 | -$17,044.34 | -$15,892.73 | $0 | $0 | $0 | $7,460.10 | $6,956.06 | 2/1/2026 | |||||||||||||||||||||||||||||||||||||||||
63 | 57 | 0.93127 | 3/1/2026 | -$1,200.00 | -$329.14 | -$870.86 | $104,454 | -$22,853.58 | -$21,282.86 | 0 | $1,980 | $1,844 | -$1,199.67 | -$241.33 | -$958.34 | $98,904 | -$17,285.67 | -$16,097.63 | $0 | $0 | $0 | $7,547.91 | $7,029.14 | 3/1/2026 | |||||||||||||||||||||||||||||||||||||||||
64 | 58 | 0.93011 | 4/1/2026 | -$1,200.00 | -$326.42 | -$873.58 | $103,580 | -$23,179.99 | -$21,559.89 | 0 | $1,980 | $1,842 | -$1,199.67 | -$239.02 | -$960.65 | $97,944 | -$17,524.69 | -$16,299.85 | $0 | $0 | $0 | $7,635.30 | $7,101.66 | 4/1/2026 | |||||||||||||||||||||||||||||||||||||||||
65 | 59 | 0.92895 | 5/1/2026 | -$1,200.00 | -$323.69 | -$876.31 | $102,704 | -$23,503.68 | -$21,833.67 | 0 | $1,980 | $1,839 | -$1,199.67 | -$236.70 | -$962.98 | $96,981 | -$17,761.39 | -$16,499.38 | $0 | $0 | $0 | $7,722.30 | $7,173.60 | 5/1/2026 | |||||||||||||||||||||||||||||||||||||||||
66 | 60 | 0.92779 | 6/1/2026 | -$1,200.00 | -$320.95 | -$879.05 | $101,825 | -$23,824.63 | -$22,104.18 | 0 | $1,980 | $1,837 | -$1,199.67 | -$234.37 | -$965.30 | $96,015 | -$17,995.76 | -$16,696.23 | $0 | $0 | $0 | $7,808.87 | $7,244.97 | 6/1/2026 | |||||||||||||||||||||||||||||||||||||||||
67 | 61 | 0.92663 | 7/1/2026 | -$1,200.00 | -$318.20 | -$881.80 | $100,943 | -$24,142.83 | -$22,371.44 | 0 | $1,980 | $1,835 | -$1,199.67 | -$232.04 | -$967.64 | $95,048 | -$18,227.79 | -$16,890.40 | $0 | $0 | $0 | $7,895.04 | $7,315.77 | 7/1/2026 | |||||||||||||||||||||||||||||||||||||||||
68 | 62 | 0.92547 | 8/1/2026 | -$1,200.00 | -$315.45 | -$884.55 | $100,058 | -$24,458.28 | -$22,635.45 | 0 | $1,980 | $1,832 | -$1,199.67 | -$229.70 | -$969.97 | $94,078 | -$18,457.49 | -$17,081.89 | $0 | $0 | $0 | $7,980.79 | $7,385.99 | 8/1/2026 | |||||||||||||||||||||||||||||||||||||||||
69 | 63 | 0.92432 | 9/1/2026 | -$1,200.00 | -$312.68 | -$887.32 | $99,171 | -$24,770.96 | -$22,896.21 | 0 | $1,980 | $1,830 | -$1,199.67 | -$227.35 | -$972.32 | $93,105 | -$18,684.85 | -$17,270.71 | $0 | $0 | $0 | $8,066.11 | $7,455.64 | 9/1/2026 | |||||||||||||||||||||||||||||||||||||||||
70 | 64 | 0.92316 | 10/1/2026 | -$1,200.00 | -$309.91 | -$890.09 | $98,281 | -$25,080.87 | -$23,153.72 | 0 | $1,980 | $1,828 | -$1,199.67 | -$225.00 | -$974.67 | $92,131 | -$18,909.85 | -$17,456.86 | $0 | $0 | $0 | $8,151.02 | $7,524.71 | 10/1/2026 | |||||||||||||||||||||||||||||||||||||||||
71 | 65 | 0.92201 | 11/1/2026 | -$1,200.00 | -$307.13 | -$892.87 | $97,388 | -$25,388.00 | -$23,407.99 | 0 | $1,980 | $1,826 | -$1,199.67 | -$222.65 | -$977.02 | $91,154 | -$19,132.50 | -$17,640.36 | $0 | $0 | $0 | $8,235.50 | $7,593.21 | 11/1/2026 | |||||||||||||||||||||||||||||||||||||||||
72 | 66 | 0.92086 | 12/1/2026 | -$1,200.00 | -$304.34 | -$895.66 | $96,492 | -$25,692.34 | -$23,659.02 | 0 | $1,980 | $1,823 | -$1,199.67 | -$220.29 | -$979.39 | $90,174 | -$19,352.79 | -$17,821.19 | $0 | $0 | $0 | $8,319.55 | $7,661.13 | 12/1/2026 | |||||||||||||||||||||||||||||||||||||||||
73 | 67 | 0.91971 | 1/1/2027 | -$1,200.00 | -$301.54 | -$898.46 | $95,594 | -$25,993.87 | -$23,906.81 | 0 | $1,980 | $1,821 | -$1,199.67 | -$217.92 | -$981.75 | $89,193 | -$19,570.71 | -$17,999.36 | $0 | $0 | $0 | $8,403.16 | $7,728.47 | 1/1/2027 | |||||||||||||||||||||||||||||||||||||||||
74 | 68 | 0.91856 | 2/1/2027 | -$1,200.00 | -$298.73 | -$901.27 | $94,693 | -$26,292.60 | -$24,151.36 | 0 | $1,980 | $1,819 | -$1,199.67 | -$215.55 | -$984.12 | $88,208 | -$19,786.26 | -$18,174.89 | $0 | $0 | $0 | $8,486.35 | $7,795.23 | 2/1/2027 | |||||||||||||||||||||||||||||||||||||||||
75 | 69 | 0.91741 | 3/1/2027 | -$1,200.00 | -$295.91 | -$904.09 | $93,789 | -$26,588.52 | -$24,392.69 | 0 | $1,980 | $1,816 | -$1,199.67 | -$213.17 | -$986.50 | $87,222 | -$19,999.43 | -$18,347.76 | $0 | $0 | $0 | $8,569.09 | $7,861.41 | 3/1/2027 | |||||||||||||||||||||||||||||||||||||||||
76 | 70 | 0.91627 | 4/1/2027 | -$1,200.00 | -$293.09 | -$906.91 | $92,882 | -$26,881.61 | -$24,630.78 | 0 | $1,980 | $1,814 | -$1,199.67 | -$210.79 | -$988.89 | $86,233 | -$20,210.22 | -$18,517.99 | $0 | $0 | $0 | $8,651.39 | $7,927.00 | 4/1/2027 | |||||||||||||||||||||||||||||||||||||||||
77 | 71 | 0.91513 | 5/1/2027 | -$1,200.00 | -$290.26 | -$909.74 | $91,972 | -$27,171.86 | -$24,865.65 | 0 | $1,980 | $1,812 | -$1,199.67 | -$208.40 | -$991.28 | $85,242 | -$20,418.61 | -$18,685.58 | $0 | $0 | $0 | $8,733.25 | $7,992.02 | 5/1/2027 | |||||||||||||||||||||||||||||||||||||||||
78 | 72 | 0.91398 | 6/1/2027 | -$1,200.00 | -$287.41 | -$912.59 | $91,059 | -$27,459.28 | -$25,097.30 | 0 | $1,980 | $1,810 | -$1,199.67 | -$206.00 | -$993.67 | $84,248 | -$20,624.61 | -$18,850.54 | $0 | $0 | $0 | $8,814.66 | $8,056.45 | 6/1/2027 | |||||||||||||||||||||||||||||||||||||||||
79 | 73 | 0.91284 | 7/1/2027 | -$1,200.00 | -$284.56 | -$915.44 | $90,144 | -$27,743.84 | -$25,325.72 | 0 | $1,980 | $1,807 | -$1,199.67 | -$203.60 | -$996.07 | $83,252 | -$20,828.21 | -$19,012.86 | $0 | $0 | $0 | $8,895.62 | $8,120.29 | 7/1/2027 | |||||||||||||||||||||||||||||||||||||||||
80 | 74 | 0.91170 | 8/1/2027 | -$1,200.00 | -$281.70 | -$918.30 | $89,226 | -$28,025.54 | -$25,550.93 | 0 | $1,980 | $1,805 | -$1,199.67 | -$201.19 | -$998.48 | $82,254 | -$21,029.41 | -$19,172.55 | $0 | $0 | $0 | $8,976.13 | $8,183.55 | 8/1/2027 | |||||||||||||||||||||||||||||||||||||||||
81 | 75 | 0.91056 | 9/1/2027 | -$1,200.00 | -$278.83 | -$921.17 | $88,304 | -$28,304.36 | -$25,772.93 | 0 | $1,980 | $1,803 | -$1,199.67 | -$198.78 | -$1,000.89 | $81,253 | -$21,228.18 | -$19,329.61 | $0 | $0 | $0 | $9,056.18 | $8,246.23 | 9/1/2027 | |||||||||||||||||||||||||||||||||||||||||
82 | 76 | 0.90943 | 10/1/2027 | -$1,200.00 | -$275.95 | -$924.05 | $87,380 | -$28,580.32 | -$25,991.71 | 0 | $1,980 | $1,801 | -$1,199.67 | -$196.36 | -$1,003.31 | $80,249 | -$21,424.55 | -$19,484.06 | $0 | $0 | $0 | $9,135.77 | $8,308.32 | 10/1/2027 | |||||||||||||||||||||||||||||||||||||||||
83 | 77 | 0.90829 | 11/1/2027 | -$1,200.00 | -$273.06 | -$926.94 | $86,453 | -$28,853.38 | -$26,207.28 | 0 | $1,980 | $1,798 | -$1,199.67 | -$193.94 | -$1,005.74 | $79,244 | -$21,618.48 | -$19,635.88 | $0 | $0 | $0 | $9,214.90 | $8,369.81 | 11/1/2027 | |||||||||||||||||||||||||||||||||||||||||
84 | 78 | 0.90716 | 12/1/2027 | -$1,200.00 | -$270.17 | -$929.83 | $85,524 | -$29,123.55 | -$26,419.65 | 0 | $1,980 | $1,796 | -$1,199.67 | -$191.51 | -$1,008.17 | $78,235 | -$21,809.99 | -$19,785.09 | $0 | $0 | $0 | $9,293.56 | $8,430.72 | 12/1/2027 | |||||||||||||||||||||||||||||||||||||||||
85 | 79 | 0.90603 | 1/1/2028 | -$1,200.00 | -$267.26 | -$932.74 | $84,591 | -$29,390.81 | -$26,628.81 | 0 | $1,980 | $1,794 | -$1,199.67 | -$189.07 | -$1,010.60 | $77,225 | -$21,999.06 | -$19,931.70 | $0 | $0 | $0 | $9,371.75 | $8,491.04 | 1/1/2028 | |||||||||||||||||||||||||||||||||||||||||
86 | 80 | 0.90489 | 2/1/2028 | -$1,200.00 | -$264.35 | -$935.65 | $83,655 | -$29,655.15 | -$26,834.77 | 0 | $1,980 | $1,792 | -$1,199.67 | -$186.63 | -$1,013.05 | $76,212 | -$22,185.68 | -$20,075.69 | $0 | $0 | $0 | $9,449.47 | $8,550.77 | 2/1/2028 | |||||||||||||||||||||||||||||||||||||||||
87 | 81 | 0.90376 | 3/1/2028 | -$1,200.00 | -$261.42 | -$938.58 | $82,717 | -$29,916.58 | -$27,037.53 | 0 | $1,980 | $1,789 | -$1,199.67 | -$184.18 | -$1,015.50 | $75,196 | -$22,369.86 | -$20,217.08 | $0 | $0 | $0 | $9,526.72 | $8,609.90 | 3/1/2028 | |||||||||||||||||||||||||||||||||||||||||
88 | 82 | 0.90264 | 4/1/2028 | -$1,200.00 | -$258.49 | -$941.51 | $81,775 | -$30,175.07 | -$27,237.10 | 0 | $1,980 | $1,787 | -$1,199.67 | -$181.72 | -$1,017.95 | $74,178 | -$22,551.59 | -$20,355.87 | $0 | $0 | $0 | $9,603.48 | $8,668.45 | 4/1/2028 | |||||||||||||||||||||||||||||||||||||||||
89 | 83 | 0.90151 | 5/1/2028 | -$1,200.00 | -$255.55 | -$944.45 | $80,831 | -$30,430.61 | -$27,433.47 | 0 | $1,980 | $1,785 | -$1,199.67 | -$179.26 | -$1,020.41 | $73,158 | -$22,730.85 | -$20,492.07 | $0 | $0 | $0 | $9,679.76 | $8,726.39 | 5/1/2028 | |||||||||||||||||||||||||||||||||||||||||
90 | 84 | 0.90038 | 6/1/2028 | -$1,200.00 | -$252.60 | -$947.40 | $79,883 | -$30,683.21 | -$27,626.66 | 0 | $1,980 | $1,783 | -$1,199.67 | -$176.80 | -$1,022.88 | $72,135 | -$22,907.65 | -$20,625.67 | $0 | $0 | $0 | $9,755.56 | $8,783.75 | 6/1/2028 | |||||||||||||||||||||||||||||||||||||||||
91 | 85 | 0.89926 | 7/1/2028 | -$1,200.00 | -$249.64 | -$950.36 | $78,933 | -$30,932.84 | -$27,816.65 | 0 | $1,980 | $1,781 | -$1,199.67 | -$174.33 | -$1,025.35 | $71,110 | -$23,081.97 | -$20,756.68 | $0 | $0 | $0 | $9,830.87 | $8,840.50 | 7/1/2028 | |||||||||||||||||||||||||||||||||||||||||
92 | 86 | 0.89814 | 8/1/2028 | -$1,200.00 | -$246.67 | -$953.33 | $77,980 | -$31,179.51 | -$28,003.46 | 0 | $1,980 | $1,778 | -$1,199.67 | -$171.85 | -$1,027.83 | $70,082 | -$23,253.82 | -$20,885.11 | $0 | $0 | $0 | $9,905.69 | $8,896.66 | 8/1/2028 | |||||||||||||||||||||||||||||||||||||||||
93 | 87 | 0.89702 | 9/1/2028 | -$1,200.00 | -$243.69 | -$956.31 | $77,023 | -$31,423.19 | -$28,187.09 | 0 | $1,980 | $1,776 | -$1,199.67 | -$169.36 | -$1,030.31 | $69,052 | -$23,423.19 | -$21,010.96 | $0 | $0 | $0 | $9,980.01 | $8,952.22 | 9/1/2028 | |||||||||||||||||||||||||||||||||||||||||
94 | 88 | 0.89590 | 10/1/2028 | -$1,200.00 | -$240.70 | -$959.30 | $76,064 | -$31,663.89 | -$28,367.54 | 0 | $1,980 | $1,774 | -$1,199.67 | -$166.87 | -$1,032.80 | $68,019 | -$23,590.06 | -$21,134.23 | $0 | $0 | $0 | $10,053.83 | $9,007.18 | 10/1/2028 | |||||||||||||||||||||||||||||||||||||||||
95 | 89 | 0.89478 | 11/1/2028 | -$1,200.00 | -$237.70 | -$962.30 | $75,102 | -$31,901.59 | -$28,544.82 | 0 | $1,980 | $1,772 | -$1,199.67 | -$164.38 | -$1,035.29 | $66,983 | -$23,754.44 | -$21,254.93 | $0 | $0 | $0 | $10,127.15 | $9,061.54 | 11/1/2028 | |||||||||||||||||||||||||||||||||||||||||
96 | 90 | 0.89366 | 12/1/2028 | -$1,200.00 | -$234.69 | -$965.31 | $74,136 | -$32,136.28 | -$28,718.92 | 0 | $1,980 | $1,769 | -$1,199.67 | -$161.88 | -$1,037.80 | $65,946 | -$23,916.32 | -$21,373.06 | $0 | $0 | $0 | $10,199.97 | $9,115.30 | 12/1/2028 | |||||||||||||||||||||||||||||||||||||||||
97 | 91 | 0.89254 | 1/1/2029 | -$1,200.00 | -$231.68 | -$968.32 | $73,168 | -$32,367.96 | -$28,889.84 | 0 | $1,980 | $1,767 | -$1,199.67 | -$159.37 | -$1,040.30 | $64,905 | -$24,075.69 | -$21,488.62 | $0 | $0 | $0 | $10,272.27 | $9,168.46 | 1/1/2029 | |||||||||||||||||||||||||||||||||||||||||
98 | 92 | 0.89143 | 2/1/2029 | -$1,200.00 | -$228.65 | -$971.35 | $72,197 | -$32,596.61 | -$29,057.60 | 0 | $1,980 | $1,765 | -$1,199.67 | -$156.85 | -$1,042.82 | $63,863 | -$24,232.54 | -$21,601.62 | $0 | $0 | $0 | $10,344.07 | $9,221.01 | 2/1/2029 | |||||||||||||||||||||||||||||||||||||||||
99 | 93 | 0.89032 | 3/1/2029 | -$1,200.00 | -$225.61 | -$974.39 | $71,222 | -$32,822.22 | -$29,222.19 | 0 | $1,980 | $1,763 | -$1,199.67 | -$154.33 | -$1,045.34 | $62,817 | -$24,386.88 | -$21,712.06 | $0 | $0 | $0 | $10,415.35 | $9,272.96 | 3/1/2029 | |||||||||||||||||||||||||||||||||||||||||
100 | 94 | 0.88921 | 4/1/2029 | -$1,200.00 | -$222.57 | -$977.43 | $70,245 | -$33,044.79 | -$29,383.62 | 0 | $1,980 | $1,761 | -$1,199.67 | -$151.81 | -$1,047.87 | $61,769 | -$24,538.68 | -$21,819.94 | $0 | $0 | $0 | $10,486.11 | $9,324.31 | 4/1/2029 | |||||||||||||||||||||||||||||||||||||||||