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1 | Mortgage Loan and Refinancing Comparison (v2.0) | ||||||||||||||||||||||||||||||||
2 | Praveen Lobo | MIT License | |||||||||||||||||||||||||||||||
3 | Download original copy (You need to be logged in to Google Drive) | ||||||||||||||||||||||||||||||||
4 | |||||||||||||||||||||||||||||||||
5 | Original or First Loan | New or Second Loan | |||||||||||||||||||||||||||||||
6 | Amount | $300,000 | $300,000 | ||||||||||||||||||||||||||||||
7 | Term | 15 | 30 | ||||||||||||||||||||||||||||||
8 | Rate | 2.63% | 2.63% | ||||||||||||||||||||||||||||||
9 | First payment date | 3/23/2022 | 3/23/2022 | ||||||||||||||||||||||||||||||
10 | Cost | ||||||||||||||||||||||||||||||||
11 | Mortgage interest tax saving/credit | 0.00% | Federal+State | ||||||||||||||||||||||||||||||
12 | Tax rate on investment gains | 15.00% | Federal+State | ||||||||||||||||||||||||||||||
13 | Return from side fund investments | 7.50% | per year | ||||||||||||||||||||||||||||||
14 | Show every | 1.0 | years | ||||||||||||||||||||||||||||||
15 | Loan end dates | 2/23/2037 | 2/23/2052 | ||||||||||||||||||||||||||||||
16 | Total Loan Interest | $63,252.30 | $133,782.57 | ||||||||||||||||||||||||||||||
17 | Monthly payment | $2,018.07 | $1,204.95 | ||||||||||||||||||||||||||||||
18 | Difference | -$813.12 | less | ||||||||||||||||||||||||||||||
19 | |||||||||||||||||||||||||||||||||
20 | |||||||||||||||||||||||||||||||||
21 | Year | 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 | |
22 | Date | 2/23/2022 | 2/23/2023 | 2/23/2024 | 2/23/2025 | 2/23/2026 | 2/23/2027 | 2/23/2028 | 2/23/2029 | 2/23/2030 | 2/23/2031 | 2/23/2032 | 2/23/2033 | 2/23/2034 | 2/23/2035 | 2/23/2036 | 2/23/2037 | 2/23/2038 | 2/23/2039 | 2/23/2040 | 2/23/2041 | 2/23/2042 | 2/23/2043 | 2/23/2044 | 2/23/2045 | 2/23/2046 | 2/23/2047 | 2/23/2048 | 2/23/2049 | 2/23/2050 | 2/23/2051 | 2/23/2052 | |
23 | 15 year (Loan 1) | Balance | $300,000 | $283,460 | $266,481 | $249,050 | $231,157 | $212,788 | $193,931 | $174,573 | $154,701 | $134,301 | $113,359 | $91,860 | $69,790 | $47,134 | $23,876 | $0 | |||||||||||||||
24 | 30 year (Loan 2) | Balance | $300,000 | $293,336 | $286,495 | $279,471 | $272,262 | $264,861 | $257,263 | $249,463 | $241,456 | $233,237 | $224,799 | $216,137 | $207,244 | $198,116 | $188,745 | $179,124 | $169,249 | $159,111 | $148,703 | $138,020 | $127,052 | $115,793 | $104,234 | $92,369 | $80,188 | $67,684 | $54,848 | $41,670 | $28,143 | $14,256 | $0 |
25 | 15 year (Loan 1) | Interest paid | $0 | $7,677 | $14,914 | $21,701 | $28,024 | $33,872 | $39,232 | $44,091 | $48,435 | $52,252 | $55,527 | $58,245 | $60,392 | $61,953 | $62,911 | $63,252 | |||||||||||||||
26 | 30 year (Loan 2) | Interest paid | $0 | $7,795 | $15,413 | $22,850 | $30,100 | $37,158 | $44,019 | $50,679 | $57,132 | $63,371 | $69,393 | $75,190 | $80,757 | $86,088 | $91,176 | $96,016 | $100,600 | $104,921 | $108,973 | $112,749 | $116,240 | $119,440 | $122,342 | $124,936 | $127,215 | $129,170 | $130,793 | $132,075 | $133,007 | $133,579 | $133,783 |
27 | 15 year (Loan 1) | Equity | $0 | $16,540 | $33,519 | $50,950 | $68,843 | $87,212 | $106,069 | $125,427 | $145,299 | $165,699 | $186,641 | $208,140 | $230,210 | $252,866 | $276,124 | $300,000 | $300,000 | $300,000 | $300,000 | $300,000 | $300,000 | $300,000 | $300,000 | $300,000 | $300,000 | $300,000 | $300,000 | $300,000 | $300,000 | $300,000 | $300,000 |
28 | 30 year (Loan 2) | Equity | $0 | $6,664 | $13,505 | $20,529 | $27,738 | $35,139 | $42,737 | $50,537 | $58,544 | $66,763 | $75,201 | $83,863 | $92,756 | $101,884 | $111,255 | $120,876 | $130,751 | $140,889 | $151,297 | $161,980 | $172,948 | $184,207 | $195,766 | $207,631 | $219,812 | $232,316 | $245,152 | $258,330 | $271,857 | $285,744 | $300,000 |
29 | 15 year (Loan 1) | Investment | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $14,876 | $30,706 | $47,560 | $65,515 | $84,655 | $105,067 | $126,847 | $150,098 | $174,931 | $201,463 | $229,822 | $260,146 | $292,581 | $327,287 | $364,432 |
30 | 30 year (Loan 2) | Investment | $0 | $10,043 | $20,725 | $32,099 | $44,216 | $57,132 | $70,907 | $85,605 | $101,296 | $118,053 | $135,958 | $155,096 | $175,560 | $197,448 | $220,869 | $245,936 | $262,734 | $280,793 | $300,206 | $321,075 | $343,509 | $367,625 | $393,551 | $421,420 | $451,380 | $483,587 | $518,210 | $555,429 | $595,440 | $638,451 | $684,688 |
31 | 15 year (Loan 1) | Networth | $0 | $16,540 | $33,519 | $50,950 | $68,843 | $87,212 | $106,069 | $125,427 | $145,299 | $165,699 | $186,641 | $208,140 | $230,210 | $252,866 | $276,124 | $300,000 | $314,876 | $330,706 | $347,560 | $365,515 | $384,655 | $405,067 | $426,847 | $450,098 | $474,931 | $501,463 | $529,822 | $560,146 | $592,581 | $627,287 | $664,432 |
32 | 30 year (Loan 2) | Networth | $0 | $16,707 | $34,231 | $52,628 | $71,954 | $92,271 | $113,644 | $136,142 | $159,839 | $184,817 | $211,160 | $238,960 | $268,316 | $299,333 | $332,124 | $366,811 | $393,486 | $421,682 | $451,502 | $483,055 | $516,457 | $551,833 | $589,316 | $629,051 | $671,192 | $715,903 | $763,362 | $813,759 | $867,297 | $924,195 | $984,688 |
33 | Difference | $0 | $168 | $712 | $1,678 | $3,111 | $5,059 | $7,575 | $10,715 | $14,540 | $19,117 | $24,518 | $30,820 | $38,106 | $46,467 | $56,000 | $66,811 | $78,609 | $90,976 | $103,943 | $117,540 | $131,802 | $146,766 | $162,469 | $178,953 | $196,261 | $214,440 | $233,540 | $253,613 | $274,715 | $296,909 | $320,256 | |
34 | |||||||||||||||||||||||||||||||||
35 | Assumptions: | ||||||||||||||||||||||||||||||||
36 | When both loans are active, the payment difference is saved/invested on the loan side that has the lower monthly payment. | ||||||||||||||||||||||||||||||||
37 | If one of the loan ends, the monthly payment on the other loan is saved/invested on the loan side that has ended. To see it in action, enter the term as 1 and 2 (or 2 and 1) above and check out the table below. | ||||||||||||||||||||||||||||||||
38 | If the second loan has not started, as is the case when refinancing, there is nothing to compare the first loan with so nothing is saved/invested. To see it in action, enter a first payment date on the second loan that starts after the first loan. | ||||||||||||||||||||||||||||||||
39 | |||||||||||||||||||||||||||||||||
40 | 15 year loan (Loan 1) | 30 year loan (Loan 2) | |||||||||||||||||||||||||||||||
41 | Date | Month | Interest | Principal | Balance | Tax Return | Monthly Investment | Investment Balance | Accrued Tax | Investment Balance After Tax | Date | Month | Interest | Principal | Balance | Tax Return | Monthly Investment | Investment Balance | Accrued Tax | Investment Balance After Tax | |||||||||||||
42 | 2/23/2022 | 0 | $300,000 | ||||||||||||||||||||||||||||||
43 | 3/23/2022 | 1 | $656 | $1,362 | $298,638 | $0 | $0 | $0 | $0 | $0 | 3/23/2022 | 1 | $656 | $549 | $299,451 | $0 | $813 | $818 | $1 | $817 | |||||||||||||
44 | 4/23/2022 | 2 | $653 | $1,365 | $297,273 | $0 | $0 | $0 | $0 | $0 | 4/23/2022 | 2 | $655 | $550 | $298,901 | $0 | $813 | $1,636 | $1 | $1,635 | |||||||||||||
45 | 5/23/2022 | 3 | $650 | $1,368 | $295,906 | $0 | $0 | $0 | $0 | $0 | 5/23/2022 | 3 | $654 | $551 | $298,350 | $0 | $813 | $2,459 | $3 | $2,456 | |||||||||||||
46 | 6/23/2022 | 4 | $647 | $1,371 | $294,535 | $0 | $0 | $0 | $0 | $0 | 6/23/2022 | 4 | $653 | $552 | $297,798 | $0 | $813 | $3,287 | $5 | $3,282 | |||||||||||||
47 | 7/23/2022 | 5 | $644 | $1,374 | $293,161 | $0 | $0 | $0 | $0 | $0 | 7/23/2022 | 5 | $651 | $554 | $297,244 | $0 | $813 | $4,120 | $8 | $4,112 | |||||||||||||
48 | 8/23/2022 | 6 | $641 | $1,377 | $291,784 | $0 | $0 | $0 | $0 | $0 | 8/23/2022 | 6 | $650 | $555 | $296,690 | $0 | $813 | $4,958 | $12 | $4,946 | |||||||||||||
49 | 9/23/2022 | 7 | $638 | $1,380 | $290,404 | $0 | $0 | $0 | $0 | $0 | 9/23/2022 | 7 | $649 | $556 | $296,134 | $0 | $813 | $5,801 | $16 | $5,785 | |||||||||||||
50 | 10/23/2022 | 8 | $635 | $1,383 | $289,022 | $0 | $0 | $0 | $0 | $0 | 10/23/2022 | 8 | $648 | $557 | $295,577 | $0 | $813 | $6,649 | $22 | $6,628 | |||||||||||||
51 | 11/23/2022 | 9 | $632 | $1,386 | $287,636 | $0 | $0 | $0 | $0 | $0 | 11/23/2022 | 9 | $647 | $558 | $295,018 | $0 | $813 | $7,503 | $28 | $7,475 | |||||||||||||
52 | 12/23/2022 | 10 | $629 | $1,389 | $286,247 | $0 | $0 | $0 | $0 | $0 | 12/23/2022 | 10 | $645 | $560 | $294,459 | $0 | $813 | $8,361 | $34 | $8,327 | |||||||||||||
53 | 1/23/2023 | 11 | $626 | $1,392 | $284,855 | $0 | $0 | $0 | $0 | $0 | 1/23/2023 | 11 | $644 | $561 | $293,898 | $0 | $813 | $9,225 | $42 | $9,183 | |||||||||||||
54 | 2/23/2023 | 12 | $623 | $1,395 | $283,460 | $0 | $0 | $0 | $0 | $0 | 2/23/2023 | 12 | $643 | $562 | $293,336 | $0 | $813 | $10,094 | $50 | $10,043 | |||||||||||||
55 | 3/23/2023 | 13 | $620 | $1,398 | $282,062 | $0 | $0 | $0 | $0 | $0 | 3/23/2023 | 13 | $642 | $563 | $292,773 | $0 | $813 | $10,968 | $60 | $10,908 | |||||||||||||
56 | 4/23/2023 | 14 | $617 | $1,401 | $280,661 | $0 | $0 | $0 | $0 | $0 | 4/23/2023 | 14 | $640 | $565 | $292,208 | $0 | $813 | $11,847 | $70 | $11,778 | |||||||||||||
57 | 5/23/2023 | 15 | $614 | $1,404 | $279,257 | $0 | $0 | $0 | $0 | $0 | 5/23/2023 | 15 | $639 | $566 | $291,642 | $0 | $813 | $12,732 | $80 | $12,652 | |||||||||||||
58 | 6/23/2023 | 16 | $611 | $1,407 | $277,850 | $0 | $0 | $0 | $0 | $0 | 6/23/2023 | 16 | $638 | $567 | $291,075 | $0 | $813 | $13,622 | $92 | $13,530 | |||||||||||||
59 | 7/23/2023 | 17 | $608 | $1,410 | $276,439 | $0 | $0 | $0 | $0 | $0 | 7/23/2023 | 17 | $637 | $568 | $290,507 | $0 | $813 | $14,518 | $104 | $14,413 | |||||||||||||
60 | 8/23/2023 | 18 | $605 | $1,413 | $275,026 | $0 | $0 | $0 | $0 | $0 | 8/23/2023 | 18 | $635 | $569 | $289,938 | $0 | $813 | $15,418 | $117 | $15,301 | |||||||||||||
61 | 9/23/2023 | 19 | $602 | $1,416 | $273,610 | $0 | $0 | $0 | $0 | $0 | 9/23/2023 | 19 | $634 | $571 | $289,367 | $0 | $813 | $16,325 | $131 | $16,193 | |||||||||||||
62 | 10/23/2023 | 20 | $599 | $1,420 | $272,190 | $0 | $0 | $0 | $0 | $0 | 10/23/2023 | 20 | $633 | $572 | $288,795 | $0 | $813 | $17,236 | $146 | $17,090 | |||||||||||||
63 | 11/23/2023 | 21 | $595 | $1,423 | $270,767 | $0 | $0 | $0 | $0 | $0 | 11/23/2023 | 21 | $632 | $573 | $288,222 | $0 | $813 | $18,154 | $162 | $17,992 | |||||||||||||
64 | 12/23/2023 | 22 | $592 | $1,426 | $269,342 | $0 | $0 | $0 | $0 | $0 | 12/23/2023 | 22 | $630 | $574 | $287,647 | $0 | $813 | $19,077 | $178 | $18,898 | |||||||||||||
65 | 1/23/2024 | 23 | $589 | $1,429 | $267,913 | $0 | $0 | $0 | $0 | $0 | 1/23/2024 | 23 | $629 | $576 | $287,071 | $0 | $813 | $20,005 | $196 | $19,810 | |||||||||||||
66 | 2/23/2024 | 24 | $586 | $1,432 | $266,481 | $0 | $0 | $0 | $0 | $0 | 2/23/2024 | 24 | $628 | $577 | $286,495 | $0 | $813 | $20,939 | $214 | $20,725 | |||||||||||||
67 | 3/23/2024 | 25 | $583 | $1,435 | $265,046 | $0 | $0 | $0 | $0 | $0 | 3/23/2024 | 25 | $627 | $578 | $285,916 | $0 | $813 | $21,879 | $233 | $21,646 | |||||||||||||
68 | 4/23/2024 | 26 | $580 | $1,438 | $263,607 | $0 | $0 | $0 | $0 | $0 | 4/23/2024 | 26 | $625 | $580 | $285,337 | $0 | $813 | $22,824 | $252 | $22,572 | |||||||||||||
69 | 5/23/2024 | 27 | $577 | $1,441 | $262,166 | $0 | $0 | $0 | $0 | $0 | 5/23/2024 | 27 | $624 | $581 | $284,756 | $0 | $813 | $23,775 | $273 | $23,502 | |||||||||||||
70 | 6/23/2024 | 28 | $573 | $1,445 | $260,721 | $0 | $0 | $0 | $0 | $0 | 6/23/2024 | 28 | $623 | $582 | $284,174 | $0 | $813 | $24,732 | $295 | $24,437 | |||||||||||||
71 | 7/23/2024 | 29 | $570 | $1,448 | $259,274 | $0 | $0 | $0 | $0 | $0 | 7/23/2024 | 29 | $622 | $583 | $283,591 | $0 | $813 | $25,695 | $317 | $25,378 | |||||||||||||
72 | 8/23/2024 | 30 | $567 | $1,451 | $257,823 | $0 | $0 | $0 | $0 | $0 | 8/23/2024 | 30 | $620 | $585 | $283,006 | $0 | $813 | $26,663 | $340 | $26,323 | |||||||||||||
73 | 9/23/2024 | 31 | $564 | $1,454 | $256,369 | $0 | $0 | $0 | $0 | $0 | 9/23/2024 | 31 | $619 | $586 | $282,420 | $0 | $813 | $27,637 | $365 | $27,273 | |||||||||||||
74 | 10/23/2024 | 32 | $561 | $1,457 | $254,911 | $0 | $0 | $0 | $0 | $0 | 10/23/2024 | 32 | $618 | $587 | $281,833 | $0 | $813 | $28,618 | $390 | $28,228 | |||||||||||||
75 | 11/23/2024 | 33 | $558 | $1,460 | $253,451 | $0 | $0 | $0 | $0 | $0 | 11/23/2024 | 33 | $617 | $588 | $281,245 | $0 | $813 | $29,604 | $416 | $29,188 | |||||||||||||
76 | 12/23/2024 | 34 | $554 | $1,464 | $251,987 | $0 | $0 | $0 | $0 | $0 | 12/23/2024 | 34 | $615 | $590 | $280,655 | $0 | $813 | $30,596 | $442 | $30,153 | |||||||||||||
77 | 1/23/2025 | 35 | $551 | $1,467 | $250,520 | $0 | $0 | $0 | $0 | $0 | 1/23/2025 | 35 | $614 | $591 | $280,064 | $0 | $813 | $31,594 | $470 | $31,124 | |||||||||||||
78 | 2/23/2025 | 36 | $548 | $1,470 | $249,050 | $0 | $0 | $0 | $0 | $0 | 2/23/2025 | 36 | $613 | $592 | $279,471 | $0 | $813 | $32,598 | $499 | $32,099 | |||||||||||||
79 | 3/23/2025 | 37 | $545 | $1,473 | $247,577 | $0 | $0 | $0 | $0 | $0 | 3/23/2025 | 37 | $611 | $594 | $278,878 | $0 | $813 | $33,608 | $528 | $33,080 | |||||||||||||
80 | 4/23/2025 | 38 | $542 | $1,476 | $246,101 | $0 | $0 | $0 | $0 | $0 | 4/23/2025 | 38 | $610 | $595 | $278,283 | $0 | $813 | $34,624 | $559 | $34,066 | |||||||||||||
81 | 5/23/2025 | 39 | $538 | $1,480 | $244,621 | $0 | $0 | $0 | $0 | $0 | 5/23/2025 | 39 | $609 | $596 | $277,687 | $0 | $813 | $35,647 | $590 | $35,057 | |||||||||||||
82 | 6/23/2025 | 40 | $535 | $1,483 | $243,138 | $0 | $0 | $0 | $0 | $0 | 6/23/2025 | 40 | $607 | $598 | $277,089 | $0 | $813 | $36,675 | $623 | $36,053 | |||||||||||||
83 | 7/23/2025 | 41 | $532 | $1,486 | $241,652 | $0 | $0 | $0 | $0 | $0 | 7/23/2025 | 41 | $606 | $599 | $276,490 | $0 | $813 | $37,710 | $656 | $37,054 | |||||||||||||
84 | 8/23/2025 | 42 | $529 | $1,489 | $240,162 | $0 | $0 | $0 | $0 | $0 | 8/23/2025 | 42 | $605 | $600 | $275,890 | $0 | $813 | $38,751 | $690 | $38,061 | |||||||||||||
85 | 9/23/2025 | 43 | $525 | $1,493 | $238,670 | $0 | $0 | $0 | $0 | $0 | 9/23/2025 | 43 | $604 | $601 | $275,289 | $0 | $813 | $39,799 | $725 | $39,074 | |||||||||||||
86 | 10/23/2025 | 44 | $522 | $1,496 | $237,174 | $0 | $0 | $0 | $0 | $0 | 10/23/2025 | 44 | $602 | $603 | $274,686 | $0 | $813 | $40,852 | $761 | $40,091 | |||||||||||||
87 | 11/23/2025 | 45 | $519 | $1,499 | $235,674 | $0 | $0 | $0 | $0 | $0 | 11/23/2025 | 45 | $601 | $604 | $274,082 | $0 | $813 | $41,912 | $798 | $41,114 | |||||||||||||
88 | 12/23/2025 | 46 | $516 | $1,503 | $234,172 | $0 | $0 | $0 | $0 | $0 | 12/23/2025 | 46 | $600 | $605 | $273,477 | $0 | $813 | $42,979 | $836 | $42,143 | |||||||||||||
89 | 1/23/2026 | 47 | $512 | $1,506 | $232,666 | $0 | $0 | $0 | $0 | $0 | 1/23/2026 | 47 | $598 | $607 | $272,870 | $0 | $813 | $44,052 | $875 | $43,177 | |||||||||||||
90 | 2/23/2026 | 48 | $509 | $1,509 | $231,157 | $0 | $0 | $0 | $0 | $0 | 2/23/2026 | 48 | $597 | $608 | $272,262 | $0 | $813 | $45,131 | $915 | $44,216 | |||||||||||||
91 | 3/23/2026 | 49 | $506 | $1,512 | $229,644 | $0 | $0 | $0 | $0 | $0 | 3/23/2026 | 49 | $596 | $609 | $271,652 | $0 | $813 | $46,217 | $956 | $45,261 | |||||||||||||
92 | 4/23/2026 | 50 | $502 | $1,516 | $228,129 | $0 | $0 | $0 | $0 | $0 | 4/23/2026 | 50 | $594 | $611 | $271,042 | $0 | $813 | $47,310 | $998 | $46,312 | |||||||||||||
93 | 5/23/2026 | 51 | $499 | $1,519 | $226,610 | $0 | $0 | $0 | $0 | $0 | 5/23/2026 | 51 | $593 | $612 | $270,430 | $0 | $813 | $48,409 | $1,041 | $47,368 | |||||||||||||
94 | 6/23/2026 | 52 | $496 | $1,522 | $225,087 | $0 | $0 | $0 | $0 | $0 | 6/23/2026 | 52 | $592 | $613 | $269,816 | $0 | $813 | $49,515 | $1,085 | $48,430 | |||||||||||||
95 | 7/23/2026 | 53 | $492 | $1,526 | $223,562 | $0 | $0 | $0 | $0 | $0 | 7/23/2026 | 53 | $590 | $615 | $269,202 | $0 | $813 | $50,627 | $1,130 | $49,497 | |||||||||||||
96 | 8/23/2026 | 54 | $489 | $1,529 | $222,033 | $0 | $0 | $0 | $0 | $0 | 8/23/2026 | 54 | $589 | $616 | $268,586 | $0 | $813 | $51,746 | $1,176 | $50,570 | |||||||||||||
97 | 9/23/2026 | 55 | $486 | $1,532 | $220,500 | $0 | $0 | $0 | $0 | $0 | 9/23/2026 | 55 | $588 | $617 | $267,968 | $0 | $813 | $52,872 | $1,223 | $51,649 | |||||||||||||
98 | 10/23/2026 | 56 | $482 | $1,536 | $218,965 | $0 | $0 | $0 | $0 | $0 | 10/23/2026 | 56 | $586 | $619 | $267,349 | $0 | $813 | $54,005 | $1,271 | $52,734 | |||||||||||||
99 | 11/23/2026 | 57 | $479 | $1,539 | $217,425 | $0 | $0 | $0 | $0 | $0 | 11/23/2026 | 57 | $585 | $620 | $266,729 | $0 | $813 | $55,144 | $1,320 | $53,825 | |||||||||||||
100 | 12/23/2026 | 58 | $476 | $1,542 | $215,883 | $0 | $0 | $0 | $0 | $0 | 12/23/2026 | 58 | $583 | $621 | $266,108 | $0 | $813 | $56,291 | $1,370 | $54,921 | |||||||||||||