| 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 | |
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1 | To use this document, go to the File menu and "Make a copy" for your own use (do not request access) |  | |||||||||||||||||||||||||
2 | Or click here for your own copy | *IMPORTANT: These numbers and formulas might not be accurate or appropriate for your situation | |||||||||||||||||||||||||
3 | You MUST verify all details, calculations, and projections with your financial institution before making any decisions. | ||||||||||||||||||||||||||
4 | Enter your details in the green boxes (Loan Amount and Market Value are required) | Consult your tax advisor, financial advisor, and legal counsel before taking any action | |||||||||||||||||||||||||
5 | Loan Amount | Interest Rate | Term in Years | Monthly Payment | Extra Monthly | Market Value | Appreciation Rate | QuickCalculation | |||||||||||||||||||
6 | $100,000.00 | 6.00% | 30 | $599.55 | 0 | $250,000.00 | 2.00% | 60% | Equity | ||||||||||||||||||
7 | |||||||||||||||||||||||||||
8 | Month | StartingBalance | You Paid | Interest | Principal | EndingBalance | TotalInterest | Market Value | Value Adjustment | Home Equity | Equity % | ||||||||||||||||
9 | 1 | $100,000.00 | $599.55 | $500.00 | $99.55 | $99,900.45 | $500.00 | $250,000.00 | $416.67 | $150,516.22 | 60% | ||||||||||||||||
10 | 2 | $99,900.45 | $599.55 | $499.50 | $100.05 | $99,800.40 | $999.50 | $250,416.67 | $417.36 | $151,033.63 | 60% | ||||||||||||||||
11 | 3 | $99,800.40 | $599.55 | $499.00 | $100.55 | $99,699.85 | $1,498.50 | $250,834.03 | $418.06 | $151,552.23 | 60% | ||||||||||||||||
12 | 4 | $99,699.85 | $599.55 | $498.50 | $101.05 | $99,598.80 | $1,997.00 | $251,252.08 | $418.75 | $152,072.04 | 61% | ||||||||||||||||
13 | 5 | $99,598.80 | $599.55 | $497.99 | $101.56 | $99,497.24 | $2,495.00 | $251,670.84 | $419.45 | $152,593.04 | 61% | ||||||||||||||||
14 | 6 | $99,497.24 | $599.55 | $497.49 | $102.06 | $99,395.18 | $2,992.48 | $252,090.29 | $420.15 | $153,115.26 | 61% | ||||||||||||||||
15 | 7 | $99,395.18 | $599.55 | $496.98 | $102.57 | $99,292.61 | $3,489.46 | $252,510.44 | $420.85 | $153,638.68 | 61% | ||||||||||||||||
16 | 8 | $99,292.61 | $599.55 | $496.46 | $103.09 | $99,189.52 | $3,985.92 | $252,931.29 | $421.55 | $154,163.32 | 61% | ||||||||||||||||
17 | 9 | $99,189.52 | $599.55 | $495.95 | $103.60 | $99,085.92 | $4,481.87 | $253,352.84 | $422.25 | $154,689.18 | 61% | ||||||||||||||||
18 | 10 | $99,085.92 | $599.55 | $495.43 | $104.12 | $98,981.79 | $4,977.30 | $253,775.10 | $422.96 | $155,216.26 | 61% | ||||||||||||||||
19 | 11 | $98,981.79 | $599.55 | $494.91 | $104.64 | $98,877.15 | $5,472.21 | $254,198.06 | $423.66 | $155,744.57 | 61% | ||||||||||||||||
20 | 12 | $98,877.15 | $599.55 | $494.39 | $105.16 | $98,771.99 | $5,966.59 | $254,621.72 | $424.37 | $156,274.10 | 61% | ||||||||||||||||
21 | 13 | $98,771.99 | $599.55 | $493.86 | $105.69 | $98,666.30 | $6,460.45 | $255,046.09 | $425.08 | $156,804.87 | 61% | ||||||||||||||||
22 | 14 | $98,666.30 | $599.55 | $493.33 | $106.22 | $98,560.08 | $6,953.79 | $255,471.17 | $425.79 | $157,336.87 | 62% | ||||||||||||||||
23 | 15 | $98,560.08 | $599.55 | $492.80 | $106.75 | $98,453.33 | $7,446.59 | $255,896.95 | $426.49 | $157,870.12 | 62% | ||||||||||||||||
24 | 16 | $98,453.33 | $599.55 | $492.27 | $107.28 | $98,346.04 | $7,938.85 | $256,323.45 | $427.21 | $158,404.61 | 62% | ||||||||||||||||
25 | 17 | $98,346.04 | $599.55 | $491.73 | $107.82 | $98,238.22 | $8,430.58 | $256,750.65 | $427.92 | $158,940.35 | 62% | ||||||||||||||||
26 | 18 | $98,238.22 | $599.55 | $491.19 | $108.36 | $98,129.86 | $8,921.77 | $257,178.57 | $428.63 | $159,477.34 | 62% | ||||||||||||||||
27 | 19 | $98,129.86 | $599.55 | $490.65 | $108.90 | $98,020.96 | $9,412.42 | $257,607.20 | $429.35 | $160,015.58 | 62% | ||||||||||||||||
28 | 20 | $98,020.96 | $599.55 | $490.10 | $109.45 | $97,911.52 | $9,902.53 | $258,036.55 | $430.06 | $160,555.09 | 62% | ||||||||||||||||
29 | 21 | $97,911.52 | $599.55 | $489.56 | $109.99 | $97,801.53 | $10,392.09 | $258,466.61 | $430.78 | $161,095.86 | 62% | ||||||||||||||||
30 | 22 | $97,801.53 | $599.55 | $489.01 | $110.54 | $97,690.98 | $10,881.09 | $258,897.38 | $431.50 | $161,637.90 | 62% | ||||||||||||||||
31 | 23 | $97,690.98 | $599.55 | $488.45 | $111.10 | $97,579.89 | $11,369.55 | $259,328.88 | $432.21 | $162,181.21 | 63% | ||||||||||||||||
32 | 24 | $97,579.89 | $599.55 | $487.90 | $111.65 | $97,468.24 | $11,857.45 | $259,761.09 | $432.94 | $162,725.79 | 63% | ||||||||||||||||
33 | 25 | $97,468.24 | $599.55 | $487.34 | $112.21 | $97,356.03 | $12,344.79 | $260,194.03 | $433.66 | $163,271.66 | 63% | ||||||||||||||||
34 | 26 | $97,356.03 | $599.55 | $486.78 | $112.77 | $97,243.26 | $12,831.57 | $260,627.69 | $434.38 | $163,818.81 | 63% | ||||||||||||||||
35 | 27 | $97,243.26 | $599.55 | $486.22 | $113.33 | $97,129.92 | $13,317.79 | $261,062.07 | $435.10 | $164,367.25 | 63% | ||||||||||||||||
36 | 28 | $97,129.92 | $599.55 | $485.65 | $113.90 | $97,016.02 | $13,803.44 | $261,497.17 | $435.83 | $164,916.98 | 63% | ||||||||||||||||
37 | 29 | $97,016.02 | $599.55 | $485.08 | $114.47 | $96,901.55 | $14,288.52 | $261,933.00 | $436.55 | $165,468.00 | 63% | ||||||||||||||||
38 | 30 | $96,901.55 | $599.55 | $484.51 | $115.04 | $96,786.51 | $14,773.02 | $262,369.55 | $437.28 | $166,020.33 | 63% | ||||||||||||||||
39 | 31 | $96,786.51 | $599.55 | $483.93 | $115.62 | $96,670.89 | $15,256.96 | $262,806.84 | $438.01 | $166,573.96 | 63% | ||||||||||||||||
40 | 32 | $96,670.89 | $599.55 | $483.35 | $116.20 | $96,554.69 | $15,740.31 | $263,244.85 | $438.74 | $167,128.90 | 63% | ||||||||||||||||
41 | 33 | $96,554.69 | $599.55 | $482.77 | $116.78 | $96,437.92 | $16,223.08 | $263,683.59 | $439.47 | $167,685.14 | 64% | ||||||||||||||||
42 | 34 | $96,437.92 | $599.55 | $482.19 | $117.36 | $96,320.56 | $16,705.27 | $264,123.06 | $440.21 | $168,242.71 | 64% | ||||||||||||||||
43 | 35 | $96,320.56 | $599.55 | $481.60 | $117.95 | $96,202.61 | $17,186.88 | $264,563.27 | $440.94 | $168,801.60 | 64% | ||||||||||||||||
44 | 36 | $96,202.61 | $599.55 | $481.01 | $118.54 | $96,084.07 | $17,667.89 | $265,004.21 | $441.67 | $169,361.81 | 64% | ||||||||||||||||
45 | 37 | $96,084.07 | $599.55 | $480.42 | $119.13 | $95,964.94 | $18,148.31 | $265,445.88 | $442.41 | $169,923.35 | 64% | ||||||||||||||||
46 | 38 | $95,964.94 | $599.55 | $479.82 | $119.73 | $95,845.21 | $18,628.13 | $265,888.29 | $443.15 | $170,486.22 | 64% | ||||||||||||||||
47 | 39 | $95,845.21 | $599.55 | $479.23 | $120.32 | $95,724.89 | $19,107.36 | $266,331.44 | $443.89 | $171,050.43 | 64% | ||||||||||||||||
48 | 40 | $95,724.89 | $599.55 | $478.62 | $120.93 | $95,603.96 | $19,585.98 | $266,775.32 | $444.63 | $171,615.98 | 64% | ||||||||||||||||
49 | 41 | $95,603.96 | $599.55 | $478.02 | $121.53 | $95,482.43 | $20,064.00 | $267,219.95 | $445.37 | $172,182.88 | 64% | ||||||||||||||||
50 | 42 | $95,482.43 | $599.55 | $477.41 | $122.14 | $95,360.29 | $20,541.42 | $267,665.31 | $446.11 | $172,751.13 | 65% | ||||||||||||||||
51 | 43 | $95,360.29 | $599.55 | $476.80 | $122.75 | $95,237.55 | $21,018.22 | $268,111.42 | $446.85 | $173,320.73 | 65% | ||||||||||||||||
52 | 44 | $95,237.55 | $599.55 | $476.19 | $123.36 | $95,114.18 | $21,494.41 | $268,558.27 | $447.60 | $173,891.69 | 65% | ||||||||||||||||
53 | 45 | $95,114.18 | $599.55 | $475.57 | $123.98 | $94,990.20 | $21,969.98 | $269,005.87 | $448.34 | $174,464.01 | 65% | ||||||||||||||||
54 | 46 | $94,990.20 | $599.55 | $474.95 | $124.60 | $94,865.60 | $22,444.93 | $269,454.21 | $449.09 | $175,037.70 | 65% | ||||||||||||||||
55 | 47 | $94,865.60 | $599.55 | $474.33 | $125.22 | $94,740.38 | $22,919.26 | $269,903.31 | $449.84 | $175,612.76 | 65% | ||||||||||||||||
56 | 48 | $94,740.38 | $599.55 | $473.70 | $125.85 | $94,614.53 | $23,392.96 | $270,353.14 | $450.59 | $176,189.20 | 65% | ||||||||||||||||
57 | 49 | $94,614.53 | $599.55 | $473.07 | $126.48 | $94,488.05 | $23,866.03 | $270,803.73 | $451.34 | $176,767.02 | 65% | ||||||||||||||||
58 | 50 | $94,488.05 | $599.55 | $472.44 | $127.11 | $94,360.94 | $24,338.47 | $271,255.07 | $452.09 | $177,346.22 | 65% | ||||||||||||||||
59 | 51 | $94,360.94 | $599.55 | $471.80 | $127.75 | $94,233.20 | $24,810.28 | $271,707.16 | $452.85 | $177,926.81 | 65% | ||||||||||||||||
60 | 52 | $94,233.20 | $599.55 | $471.17 | $128.38 | $94,104.81 | $25,281.44 | $272,160.01 | $453.60 | $178,508.80 | 66% | ||||||||||||||||
61 | 53 | $94,104.81 | $599.55 | $470.52 | $129.03 | $93,975.79 | $25,751.97 | $272,613.61 | $454.36 | $179,092.18 | 66% | ||||||||||||||||
62 | 54 | $93,975.79 | $599.55 | $469.88 | $129.67 | $93,846.12 | $26,221.84 | $273,067.97 | $455.11 | $179,676.96 | 66% | ||||||||||||||||
63 | 55 | $93,846.12 | $599.55 | $469.23 | $130.32 | $93,715.80 | $26,691.07 | $273,523.08 | $455.87 | $180,263.15 | 66% | ||||||||||||||||
64 | 56 | $93,715.80 | $599.55 | $468.58 | $130.97 | $93,584.82 | $27,159.65 | $273,978.95 | $456.63 | $180,850.76 | 66% | ||||||||||||||||
65 | 57 | $93,584.82 | $599.55 | $467.92 | $131.63 | $93,453.20 | $27,627.58 | $274,435.58 | $457.39 | $181,439.78 | 66% | ||||||||||||||||
66 | 58 | $93,453.20 | $599.55 | $467.27 | $132.28 | $93,320.91 | $28,094.84 | $274,892.97 | $458.15 | $182,030.22 | 66% | ||||||||||||||||
67 | 59 | $93,320.91 | $599.55 | $466.60 | $132.95 | $93,187.97 | $28,561.45 | $275,351.13 | $458.92 | $182,622.08 | 66% | ||||||||||||||||
68 | 60 | $93,187.97 | $599.55 | $465.94 | $133.61 | $93,054.36 | $29,027.39 | $275,810.05 | $459.68 | $183,215.37 | 66% | ||||||||||||||||
69 | 61 | $93,054.36 | $599.55 | $465.27 | $134.28 | $92,920.08 | $29,492.66 | $276,269.73 | $460.45 | $183,810.10 | 67% | ||||||||||||||||
70 | 62 | $92,920.08 | $599.55 | $464.60 | $134.95 | $92,785.13 | $29,957.26 | $276,730.18 | $461.22 | $184,406.27 | 67% | ||||||||||||||||
71 | 63 | $92,785.13 | $599.55 | $463.93 | $135.62 | $92,649.50 | $30,421.19 | $277,191.40 | $461.99 | $185,003.88 | 67% | ||||||||||||||||
72 | 64 | $92,649.50 | $599.55 | $463.25 | $136.30 | $92,513.20 | $30,884.43 | $277,653.38 | $462.76 | $185,602.94 | 67% | ||||||||||||||||
73 | 65 | $92,513.20 | $599.55 | $462.57 | $136.98 | $92,376.22 | $31,347.00 | $278,116.14 | $463.53 | $186,203.45 | 67% | ||||||||||||||||
74 | 66 | $92,376.22 | $599.55 | $461.88 | $137.67 | $92,238.55 | $31,808.88 | $278,579.67 | $464.30 | $186,805.42 | 67% | ||||||||||||||||
75 | 67 | $92,238.55 | $599.55 | $461.19 | $138.36 | $92,100.19 | $32,270.07 | $279,043.97 | $465.07 | $187,408.85 | 67% | ||||||||||||||||
76 | 68 | $92,100.19 | $599.55 | $460.50 | $139.05 | $91,961.14 | $32,730.57 | $279,509.04 | $465.85 | $188,013.75 | 67% | ||||||||||||||||
77 | 69 | $91,961.14 | $599.55 | $459.81 | $139.74 | $91,821.39 | $33,190.38 | $279,974.89 | $466.62 | $188,620.12 | 67% | ||||||||||||||||
78 | 70 | $91,821.39 | $599.55 | $459.11 | $140.44 | $91,680.95 | $33,649.49 | $280,441.51 | $467.40 | $189,227.96 | 67% | ||||||||||||||||
79 | 71 | $91,680.95 | $599.55 | $458.40 | $141.15 | $91,539.80 | $34,107.89 | $280,908.91 | $468.18 | $189,837.29 | 68% | ||||||||||||||||
80 | 72 | $91,539.80 | $599.55 | $457.70 | $141.85 | $91,397.95 | $34,565.59 | $281,377.10 | $468.96 | $190,448.11 | 68% | ||||||||||||||||
81 | 73 | $91,397.95 | $599.55 | $456.99 | $142.56 | $91,255.39 | $35,022.58 | $281,846.06 | $469.74 | $191,060.41 | 68% | ||||||||||||||||
82 | 74 | $91,255.39 | $599.55 | $456.28 | $143.27 | $91,112.12 | $35,478.86 | $282,315.80 | $470.53 | $191,674.21 | 68% | ||||||||||||||||
83 | 75 | $91,112.12 | $599.55 | $455.56 | $143.99 | $90,968.13 | $35,934.42 | $282,786.33 | $471.31 | $192,289.51 | 68% | ||||||||||||||||
84 | 76 | $90,968.13 | $599.55 | $454.84 | $144.71 | $90,823.42 | $36,389.26 | $283,257.64 | $472.10 | $192,906.32 | 68% | ||||||||||||||||
85 | 77 | $90,823.42 | $599.55 | $454.12 | $145.43 | $90,677.99 | $36,843.38 | $283,729.73 | $472.88 | $193,524.63 | 68% | ||||||||||||||||
86 | 78 | $90,677.99 | $599.55 | $453.39 | $146.16 | $90,531.82 | $37,296.77 | $284,202.62 | $473.67 | $194,144.46 | 68% | ||||||||||||||||
87 | 79 | $90,531.82 | $599.55 | $452.66 | $146.89 | $90,384.93 | $37,749.42 | $284,676.29 | $474.46 | $194,765.82 | 68% | ||||||||||||||||
88 | 80 | $90,384.93 | $599.55 | $451.92 | $147.63 | $90,237.31 | $38,201.35 | $285,150.75 | $475.25 | $195,388.69 | 69% | ||||||||||||||||
89 | 81 | $90,237.31 | $599.55 | $451.19 | $148.36 | $90,088.94 | $38,652.54 | $285,626.00 | $476.04 | $196,013.10 | 69% | ||||||||||||||||
90 | 82 | $90,088.94 | $599.55 | $450.44 | $149.11 | $89,939.84 | $39,102.98 | $286,102.04 | $476.84 | $196,639.04 | 69% | ||||||||||||||||
91 | 83 | $89,939.84 | $599.55 | $449.70 | $149.85 | $89,789.99 | $39,552.68 | $286,578.88 | $477.63 | $197,266.53 | 69% | ||||||||||||||||
92 | 84 | $89,789.99 | $599.55 | $448.95 | $150.60 | $89,639.39 | $40,001.63 | $287,056.51 | $478.43 | $197,895.55 | 69% | ||||||||||||||||
93 | 85 | $89,639.39 | $599.55 | $448.20 | $151.35 | $89,488.03 | $40,449.83 | $287,534.94 | $479.22 | $198,526.13 | 69% | ||||||||||||||||
94 | 86 | $89,488.03 | $599.55 | $447.44 | $152.11 | $89,335.92 | $40,897.27 | $288,014.16 | $480.02 | $199,158.27 | 69% | ||||||||||||||||
95 | 87 | $89,335.92 | $599.55 | $446.68 | $152.87 | $89,183.05 | $41,343.95 | $288,494.19 | $480.82 | $199,791.96 | 69% | ||||||||||||||||
96 | 88 | $89,183.05 | $599.55 | $445.92 | $153.64 | $89,029.42 | $41,789.86 | $288,975.01 | $481.63 | $200,427.22 | 69% | ||||||||||||||||
97 | 89 | $89,029.42 | $599.55 | $445.15 | $154.40 | $88,875.01 | $42,235.01 | $289,456.64 | $482.43 | $201,064.05 | 69% | ||||||||||||||||
98 | 90 | $88,875.01 | $599.55 | $444.38 | $155.18 | $88,719.84 | $42,679.38 | $289,939.06 | $483.23 | $201,702.46 | 70% | ||||||||||||||||
99 | 91 | $88,719.84 | $599.55 | $443.60 | $155.95 | $88,563.89 | $43,122.98 | $290,422.30 | $484.04 | $202,342.45 | 70% | ||||||||||||||||
100 | 92 | $88,563.89 | $599.55 | $442.82 | $156.73 | $88,407.15 | $43,565.80 | $290,906.33 | $484.84 | $202,984.02 | 70% | ||||||||||||||||