ABCDEFGHIJKLMNOPQRSTUVWXYZAAAB
1
2
If you want to plug in your own numbers, Click File -> Make a Copy. Please don't request edit access.
3
Input Loan Data
Feel free to comment on things that you think I should change / improve!
4
Total Loan Amount $ 250,000
This work is licensed under CC BY 4.0
5
Down Payment $ 50,000 Loan Payoff Information
6
Original Principal $ 200,000 Without Extra PrincipalWith Extra PrincipalSavings
7
Loan Term (Years) 30 Total Estimated Interest$266,990.63 Total Actual Interest$232,848.12 Interest Saved$34,142.51
8
Annual Interest Rate6.75%Total Estimated Cost$516,990.63 Total Actual Cost$482,848.12 Percent Saved6.60%
9
Payments per Year 12 Estimated End Date2/6/2056Actual End Date12/6/2052Years Saved3
10
Payment$1,297.20 Monthly Extra Principal $ 50.00
11
Loan Origination Date2/6/2026Total Extra Principal $ 16,050.00
12
13
MonthDatePaymentEstimated InterestEstimated PrincipalEstimated BalanceExtra PrincipalActual InterestActual PrincipalActual BalanceTotal Paid
Total Estimated Cost
Total Actual Cost
14
02/6/2026 $ 200,000.00 $ 200,000.00 $ 50,000 $516,990.63 $482,848.12
15
13/6/2026$1,297.20 $1,125.00 $172.20 $ 199,827.80 $ 50.00 $1,125.00 $172.20 $ 199,777.80 $ 51,347 $516,990.63 $482,848.12
16
24/6/2026$1,297.20 $1,124.03 $173.16 $ 199,654.64 $ 50.00 $1,123.75 $173.45 $ 199,554.36 $ 52,694 $516,990.63 $482,848.12
17
35/6/2026$1,297.20 $1,123.06 $174.14 $ 199,480.50 $ 50.00 $1,122.49 $174.70 $ 199,329.65 $ 54,042 $516,990.63 $482,848.12
18
46/6/2026$1,297.20 $1,122.08 $175.12 $ 199,305.38 $ 50.00 $1,121.23 $175.97 $ 199,103.69 $ 55,389 $516,990.63 $482,848.12
19
57/6/2026$1,297.20 $1,121.09 $176.10 $ 199,129.28 $ 50.00 $1,119.96 $177.24 $ 198,876.45 $ 56,736 $516,990.63 $482,848.12
20
68/6/2026$1,297.20 $1,120.10 $177.09 $ 198,952.18 $ 50.00 $1,118.68 $178.52 $ 198,647.93 $ 58,083 $516,990.63 $482,848.12
21
79/6/2026$1,297.20 $1,119.11 $178.09 $ 198,774.09 $ 50.00 $1,117.39 $179.80 $ 198,418.13 $ 59,430 $516,990.63 $482,848.12
22
810/6/2026$1,297.20 $1,118.10 $179.09 $ 198,595.00 $ 50.00 $1,116.10 $181.09 $ 198,187.04 $ 60,778 $516,990.63 $482,848.12
23
911/6/2026$1,297.20 $1,117.10 $180.10 $ 198,414.90 $ 50.00 $1,114.80 $182.39 $ 197,954.64 $ 62,125 $516,990.63 $482,848.12
24
1012/6/2026$1,297.20 $1,116.08 $181.11 $ 198,233.79 $ 50.00 $1,113.49 $183.70 $ 197,720.94 $ 63,472 $516,990.63 $482,848.12
25
111/6/2027$1,297.20 $1,115.07 $182.13 $ 198,051.66 $ 50.00 $1,112.18 $185.02 $ 197,485.93 $ 64,819 $516,990.63 $482,848.12
26
122/6/2027$1,297.20 $1,114.04 $183.16 $ 197,868.50 $ 50.00 $1,110.86 $186.34 $ 197,249.59 $ 66,166 $516,990.63 $482,848.12
27
133/6/2027$1,297.20 $1,113.01 $184.19 $ 197,684.32 $ 50.00 $1,109.53 $187.67 $ 197,011.92 $ 67,514 $516,990.63 $482,848.12
28
144/6/2027$1,297.20 $1,111.97 $185.22 $ 197,499.10 $ 50.00 $1,108.19 $189.00 $ 196,772.92 $ 68,861 $516,990.63 $482,848.12
29
155/6/2027$1,297.20 $1,110.93 $186.26 $ 197,312.83 $ 50.00 $1,106.85 $190.35 $ 196,532.57 $ 70,208 $516,990.63 $482,848.12
30
166/6/2027$1,297.20 $1,109.88 $187.31 $ 197,125.52 $ 50.00 $1,105.50 $191.70 $ 196,290.87 $ 71,555 $516,990.63 $482,848.12
31
177/6/2027$1,297.20 $1,108.83 $188.37 $ 196,937.16 $ 50.00 $1,104.14 $193.06 $ 196,047.81 $ 72,902 $516,990.63 $482,848.12
32
188/6/2027$1,297.20 $1,107.77 $189.42 $ 196,747.73 $ 50.00 $1,102.77 $194.43 $ 195,803.38 $ 74,250 $516,990.63 $482,848.12
33
199/6/2027$1,297.20 $1,106.71 $190.49 $ 196,557.24 $ 50.00 $1,101.39 $195.80 $ 195,557.58 $ 75,597 $516,990.63 $482,848.12
34
2010/6/2027$1,297.20 $1,105.63 $191.56 $ 196,365.68 $ 50.00 $1,100.01 $197.18 $ 195,310.39 $ 76,944 $516,990.63 $482,848.12
35
2111/6/2027$1,297.20 $1,104.56 $192.64 $ 196,173.04 $ 50.00 $1,098.62 $198.58 $ 195,061.82 $ 78,291 $516,990.63 $482,848.12
36
2212/6/2027$1,297.20 $1,103.47 $193.72 $ 195,979.32 $ 50.00 $1,097.22 $199.97 $ 194,811.85 $ 79,638 $516,990.63 $482,848.12
37
231/6/2028$1,297.20 $1,102.38 $194.81 $ 195,784.50 $ 50.00 $1,095.82 $201.38 $ 194,560.47 $ 80,986 $516,990.63 $482,848.12
38
242/6/2028$1,297.20 $1,101.29 $195.91 $ 195,588.60 $ 50.00 $1,094.40 $202.79 $ 194,307.67 $ 82,333 $516,990.63 $482,848.12
39
253/6/2028$1,297.20 $1,100.19 $197.01 $ 195,391.59 $ 50.00 $1,092.98 $204.22 $ 194,053.46 $ 83,680 $516,990.63 $482,848.12
40
264/6/2028$1,297.20 $1,099.08 $198.12 $ 195,193.47 $ 50.00 $1,091.55 $205.65 $ 193,797.81 $ 85,027 $516,990.63 $482,848.12
41
275/6/2028$1,297.20 $1,097.96 $199.23 $ 194,994.23 $ 50.00 $1,090.11 $207.08 $ 193,540.73 $ 86,374 $516,990.63 $482,848.12
42
286/6/2028$1,297.20 $1,096.84 $200.35 $ 194,793.88 $ 50.00 $1,088.67 $208.53 $ 193,282.20 $ 87,721 $516,990.63 $482,848.12
43
297/6/2028$1,297.20 $1,095.72 $201.48 $ 194,592.40 $ 50.00 $1,087.21 $209.98 $ 193,022.21 $ 89,069 $516,990.63 $482,848.12
44
308/6/2028$1,297.20 $1,094.58 $202.61 $ 194,389.79 $ 50.00 $1,085.75 $211.45 $ 192,760.77 $ 90,416 $516,990.63 $482,848.12
45
319/6/2028$1,297.20 $1,093.44 $203.75 $ 194,186.03 $ 50.00 $1,084.28 $212.92 $ 192,497.85 $ 91,763 $516,990.63 $482,848.12
46
3210/6/2028$1,297.20 $1,092.30 $204.90 $ 193,981.13 $ 50.00 $1,082.80 $214.40 $ 192,233.46 $ 93,110 $516,990.63 $482,848.12
47
3311/6/2028$1,297.20 $1,091.14 $206.05 $ 193,775.08 $ 50.00 $1,081.31 $215.88 $ 191,967.57 $ 94,457 $516,990.63 $482,848.12
48
3412/6/2028$1,297.20 $1,089.98 $207.21 $ 193,567.87 $ 50.00 $1,079.82 $217.38 $ 191,700.19 $ 95,805 $516,990.63 $482,848.12
49
351/6/2029$1,297.20 $1,088.82 $208.38 $ 193,359.49 $ 50.00 $1,078.31 $218.88 $ 191,431.31 $ 97,152 $516,990.63 $482,848.12
50
362/6/2029$1,297.20 $1,087.65 $209.55 $ 193,149.94 $ 50.00 $1,076.80 $220.40 $ 191,160.92 $ 98,499 $516,990.63 $482,848.12
51
373/6/2029$1,297.20 $1,086.47 $210.73 $ 192,939.22 $ 50.00 $1,075.28 $221.92 $ 190,889.00 $ 99,846 $516,990.63 $482,848.12
52
384/6/2029$1,297.20 $1,085.28 $211.91 $ 192,727.30 $ 50.00 $1,073.75 $223.45 $ 190,615.55 $ 101,193 $516,990.63 $482,848.12
53
395/6/2029$1,297.20 $1,084.09 $213.11 $ 192,514.20 $ 50.00 $1,072.21 $224.98 $ 190,340.57 $ 102,541 $516,990.63 $482,848.12
54
406/6/2029$1,297.20 $1,082.89 $214.30 $ 192,299.89 $ 50.00 $1,070.67 $226.53 $ 190,064.04 $ 103,888 $516,990.63 $482,848.12
55
417/6/2029$1,297.20 $1,081.69 $215.51 $ 192,084.38 $ 50.00 $1,069.11 $228.09 $ 189,785.95 $ 105,235 $516,990.63 $482,848.12
56
428/6/2029$1,297.20 $1,080.47 $216.72 $ 191,867.66 $ 50.00 $1,067.55 $229.65 $ 189,506.30 $ 106,582 $516,990.63 $482,848.12
57
439/6/2029$1,297.20 $1,079.26 $217.94 $ 191,649.72 $ 50.00 $1,065.97 $231.22 $ 189,225.08 $ 107,929 $516,990.63 $482,848.12
58
4410/6/2029$1,297.20 $1,078.03 $219.17 $ 191,430.56 $ 50.00 $1,064.39 $232.81 $ 188,942.28 $ 109,277 $516,990.63 $482,848.12
59
4511/6/2029$1,297.20 $1,076.80 $220.40 $ 191,210.16 $ 50.00 $1,062.80 $234.40 $ 188,657.88 $ 110,624 $516,990.63 $482,848.12
60
4612/6/2029$1,297.20 $1,075.56 $221.64 $ 190,988.52 $ 50.00 $1,061.20 $236.00 $ 188,371.88 $ 111,971 $516,990.63 $482,848.12
61
471/6/2030$1,297.20 $1,074.31 $222.89 $ 190,765.63 $ 50.00 $1,059.59 $237.60 $ 188,084.28 $ 113,318 $516,990.63 $482,848.12
62
482/6/2030$1,297.20 $1,073.06 $224.14 $ 190,541.49 $ 50.00 $1,057.97 $239.22 $ 187,795.06 $ 114,665 $516,990.63 $482,848.12
63
493/6/2030$1,297.20 $1,071.80 $225.40 $ 190,316.09 $ 50.00 $1,056.35 $240.85 $ 187,504.21 $ 116,013 $516,990.63 $482,848.12
64
504/6/2030$1,297.20 $1,070.53 $226.67 $ 190,089.42 $ 50.00 $1,054.71 $242.49 $ 187,211.72 $ 117,360 $516,990.63 $482,848.12
65
515/6/2030$1,297.20 $1,069.25 $227.94 $ 189,861.48 $ 50.00 $1,053.07 $244.13 $ 186,917.59 $ 118,707 $516,990.63 $482,848.12
66
526/6/2030$1,297.20 $1,067.97 $229.23 $ 189,632.25 $ 50.00 $1,051.41 $245.78 $ 186,621.81 $ 120,054 $516,990.63 $482,848.12
67
537/6/2030$1,297.20 $1,066.68 $230.51 $ 189,401.74 $ 50.00 $1,049.75 $247.45 $ 186,324.36 $ 121,401 $516,990.63 $482,848.12
68
548/6/2030$1,297.20 $1,065.38 $231.81 $ 189,169.93 $ 50.00 $1,048.07 $249.12 $ 186,025.24 $ 122,749 $516,990.63 $482,848.12
69
559/6/2030$1,297.20 $1,064.08 $233.12 $ 188,936.81 $ 50.00 $1,046.39 $250.80 $ 185,724.43 $ 124,096 $516,990.63 $482,848.12
70
5610/6/2030$1,297.20 $1,062.77 $234.43 $ 188,702.39 $ 50.00 $1,044.70 $252.50 $ 185,421.94 $ 125,443 $516,990.63 $482,848.12
71
5711/6/2030$1,297.20 $1,061.45 $235.75 $ 188,466.64 $ 50.00 $1,043.00 $254.20 $ 185,117.74 $ 126,790 $516,990.63 $482,848.12
72
5812/6/2030$1,297.20 $1,060.12 $237.07 $ 188,229.57 $ 50.00 $1,041.29 $255.91 $ 184,811.83 $ 128,137 $516,990.63 $482,848.12
73
591/6/2031$1,297.20 $1,058.79 $238.40 $ 187,991.16 $ 50.00 $1,039.57 $257.63 $ 184,504.20 $ 129,485 $516,990.63 $482,848.12
74
602/6/2031$1,297.20 $1,057.45 $239.75 $ 187,751.42 $ 50.00 $1,037.84 $259.36 $ 184,194.84 $ 130,832 $516,990.63 $482,848.12
75
613/6/2031$1,297.20 $1,056.10 $241.09 $ 187,510.32 $ 50.00 $1,036.10 $261.10 $ 183,883.74 $ 132,179 $516,990.63 $482,848.12
76
624/6/2031$1,297.20 $1,054.75 $242.45 $ 187,267.87 $ 50.00 $1,034.35 $262.85 $ 183,570.89 $ 133,526 $516,990.63 $482,848.12
77
635/6/2031$1,297.20 $1,053.38 $243.81 $ 187,024.06 $ 50.00 $1,032.59 $264.61 $ 183,256.28 $ 134,873 $516,990.63 $482,848.12
78
646/6/2031$1,297.20 $1,052.01 $245.19 $ 186,778.87 $ 50.00 $1,030.82 $266.38 $ 182,939.90 $ 136,221 $516,990.63 $482,848.12
79
657/6/2031$1,297.20 $1,050.63 $246.57 $ 186,532.31 $ 50.00 $1,029.04 $268.16 $ 182,621.74 $ 137,568 $516,990.63 $482,848.12
80
668/6/2031$1,297.20 $1,049.24 $247.95 $ 186,284.36 $ 50.00 $1,027.25 $269.95 $ 182,301.79 $ 138,915 $516,990.63 $482,848.12
81
679/6/2031$1,297.20 $1,047.85 $249.35 $ 186,035.01 $ 50.00 $1,025.45 $271.75 $ 181,980.05 $ 140,262 $516,990.63 $482,848.12
82
6810/6/2031$1,297.20 $1,046.45 $250.75 $ 185,784.26 $ 50.00 $1,023.64 $273.56 $ 181,656.49 $ 141,609 $516,990.63 $482,848.12
83
6911/6/2031$1,297.20 $1,045.04 $252.16 $ 185,532.10 $ 50.00 $1,021.82 $275.38 $ 181,331.11 $ 142,957 $516,990.63 $482,848.12
84
7012/6/2031$1,297.20 $1,043.62 $253.58 $ 185,278.52 $ 50.00 $1,019.99 $277.21 $ 181,003.90 $ 144,304 $516,990.63 $482,848.12
85
711/6/2032$1,297.20 $1,042.19 $255.00 $ 185,023.52 $ 50.00 $1,018.15 $279.05 $ 180,674.85 $ 145,651 $516,990.63 $482,848.12
86
722/6/2032$1,297.20 $1,040.76 $256.44 $ 184,767.08 $ 50.00 $1,016.30 $280.90 $ 180,343.95 $ 146,998 $516,990.63 $482,848.12
87
733/6/2032$1,297.20 $1,039.31 $257.88 $ 184,509.20 $ 50.00 $1,014.43 $282.76 $ 180,011.19 $ 148,345 $516,990.63 $482,848.12
88
744/6/2032$1,297.20 $1,037.86 $259.33 $ 184,249.87 $ 50.00 $1,012.56 $284.63 $ 179,676.56 $ 149,693 $516,990.63 $482,848.12
89
755/6/2032$1,297.20 $1,036.41 $260.79 $ 183,989.08 $ 50.00 $1,010.68 $286.52 $ 179,340.04 $ 151,040 $516,990.63 $482,848.12
90
766/6/2032$1,297.20 $1,034.94 $262.26 $ 183,726.82 $ 50.00 $1,008.79 $288.41 $ 179,001.63 $ 152,387 $516,990.63 $482,848.12
91
777/6/2032$1,297.20 $1,033.46 $263.73 $ 183,463.09 $ 50.00 $1,006.88 $290.31 $ 178,661.32 $ 153,734 $516,990.63 $482,848.12
92
788/6/2032$1,297.20 $1,031.98 $265.22 $ 183,197.87 $ 50.00 $1,004.97 $292.23 $ 178,319.09 $ 155,081 $516,990.63 $482,848.12
93
799/6/2032$1,297.20 $1,030.49 $266.71 $ 182,931.16 $ 50.00 $1,003.04 $294.15 $ 177,974.94 $ 156,428 $516,990.63 $482,848.12
94
8010/6/2032$1,297.20 $1,028.99 $268.21 $ 182,662.95 $ 50.00 $1,001.11 $296.09 $ 177,628.85 $ 157,776 $516,990.63 $482,848.12
95
8111/6/2032$1,297.20 $1,027.48 $269.72 $ 182,393.24 $ 50.00 $999.16 $298.03 $ 177,280.82 $ 159,123 $516,990.63 $482,848.12
96
8212/6/2032$1,297.20 $1,025.96 $271.23 $ 182,122.00 $ 50.00 $997.20 $299.99 $ 176,930.83 $ 160,470 $516,990.63 $482,848.12
97
831/6/2033$1,297.20 $1,024.44 $272.76 $ 181,849.24 $ 50.00 $995.24 $301.96 $ 176,578.87 $ 161,817 $516,990.63 $482,848.12
98
842/6/2033$1,297.20 $1,022.90 $274.29 $ 181,574.95 $ 50.00 $993.26 $303.94 $ 176,224.93 $ 163,164 $516,990.63 $482,848.12
99
853/6/2033$1,297.20 $1,021.36 $275.84 $ 181,299.11 $ 50.00 $991.27 $305.93 $ 175,869.00 $ 164,512 $516,990.63 $482,848.12
100
864/6/2033$1,297.20 $1,019.81 $277.39 $ 181,021.72 $ 50.00 $989.26 $307.93 $ 175,511.06 $ 165,859 $516,990.63 $482,848.12