Loan Comparison

PAYMENT COMPARISON
LOAN AMOUNT
LOAN AMOUNT
TOTAL INTEREST
20,000
$10,000.00
SCENARIO 1
SCENARIO 2
SCENARIO 3
LOAN PERIOD IN YEARS
26
26
26
16,000
PAYMENT FREQUENCY
Monthly
Fortnightly
Fortnightly
14,000
ANNUAL INTEREST RATE
6.00%
6.00%
6.00%
12,000
SCHEDULED PAYMENT
$63.37
$29.23
$29.23
10,000
$1,700.00
$31.68
$950.00
8,000
ACTUAL PAYMENT
ADDITIONAL PAYMENT
18,000
6,000
312
676
676
4,000
566
11
2,000
$175.42
$7,913.70
$135.38
COST OF LOAN
$10,175.42
$17,913.70
$10,135.38
26
0.5
12
25.5
26
21.8
26
4.2
26
0.4
26
25.6
$9,770.72
$175.42
$9,595.30
$9,759.69
$7,913.70
$1,846.00
$9,759.69
$135.38
$9,624.31
SCHEDULED PAYMENTS
ACTUAL PAYMENTS
TOTAL INTEREST
ACTUAL LOAN PERIOD

PAYMENTS PER YEAR
YEARS SAVED
INITIAL INTEREST COST
ACTUAL INTEREST COST
INTEREST SAVED
SCENARIO 1
SCENARIO 2
SCENARIO 3
PAYMENT SCHEDULE
LOAN SCENARIO
LOAN SUMMARY
6/10/2014
START DATE OF LOAN
$0.00
OPTIONAL EXTRA PAYMENT
$10,000.00
LOAN AMOUNT
26

PAYMENT FREQUENCY
ANNUAL INTEREST
PMT #
PAYMENT DATE
6/10/2014 $
7/10/2014
312
SCHEDULED # OF PAYMENTS
ACTUAL # OF PAYMENTS
$0.00
TOTAL EARLY PAYMENTS
Monthly
TOTAL INTEREST
$175.42
6.00%
COST OF LOAN
$10,200.00
BEGINNING BAL SCHEDULED PMT
$1,700.00
SCHEDULED PAYMENT
EXTRA PMT
10,000.00
1,700.00
8,350.00
1,700.00
TOTAL PMT
$
1,700.00
1,700.00
PRINCIPAL
$
INTEREST
ENDING BAL
1,650.00 $
50.00
1,658.25 $
41.75
8,350.00 $
CUMULATIVE INT
50.00
6,691.75
91.75
8/10/2014
6,691.75
1,700.00
1,700.00
1,666.54 $
33.46
5,025.21
125.21
9/10/2014
5,025.21
1,700.00
1,700.00
1,674.87 $
25.13
3,350.33
150.33
10/10/2014
3,350.33
1,700.00
1,700.00
1,683.25 $
16.75
1,667.09
167.09
11/10/2014
1,667.09
1,700.00
1,667.09
1,658.75
8.34
0.00
175.42
12/10/2014
0.00
1,700.00
0.00
0.00
0.00
175.42
Page 2 of 15
PAYMENT SCHEDULE
LOAN SCENARIO
LOAN SUMMARY
6/10/2014
START DATE OF LOAN
$0.00
$10,000.00
LOAN AMOUNT
26

PAYMENT FREQUENCY
ANNUAL INTEREST
PMT #
PAYMENT DATE
6/10/2014 $
6/25/2014
676
566
$0.00
Fortnightly
TOTAL INTEREST
$7,913.70
6.00%
COST OF LOAN
$17,933.06
$31.68
SCHEDULED PAYMENT
EXTRA PMT
10,000.00 $
31.68
9,991.39 $
31.68
TOTAL PMT
$
31.68
PRINCIPAL
$
INTEREST
ENDING BAL
CUMULATIVE INT
9,991.39 $
23.08
23.06
9,982.77
46.13
8.65 $
23.04
9,974.12
69.17
8.61 $
23.08
31.68
8.63 $
31.68
7/10/2014
9,982.77 $
31.68
7/25/2014
9,974.12 $
31.68
31.68
8.67 $
23.02
9,965.45
92.19
8/9/2014
9,965.45 $
31.68
31.68
8.69 $
23.00
9,956.77
115.19
8/24/2014
9,956.77 $
31.68
31.68
8.71 $
22.98
9,948.06
138.16
9/8/2014
9,948.06 $
31.68
31.68
8.73 $
22.96
9,939.33
161.12
9/23/2014
9,939.33 $
31.68
31.68
8.75 $
22.94
9,930.59
184.06
10/8/2014
9,930.59 $
31.68
31.68
8.77 $
22.92
9,921.82
206.97
10
10/23/2014
9,921.82 $
31.68
31.68
8.79 $
22.90
9,913.03
229.87
11
11/7/2014
9,913.03 $
31.68
31.68
8.81 $
22.88
9,904.22
252.75
31.68
8.83 $
22.86
9,895.40
275.60
11/22/2014
9,904.22 $
31.68
13
12/7/2014
9,895.40 $
31.68
31.68
8.85 $
22.84
9,886.55
298.44
14
12/22/2014
9,886.55 $
31.68
31.68
8.87 $
22.82
9,877.68
321.25
15
1/6/2015
9,877.68 $
31.68
31.68
8.89 $
22.79
9,868.79
344.05
16
1/21/2015
9,868.79 $
31.68
31.68
8.91 $
22.77
9,859.88
366.82
17
2/5/2015
9,859.88 $
31.68
31.68
8.93 $
22.75
9,850.95
389.58
18
2/20/2015
9,850.95 $
31.68
31.68
8.95 $
22.73
9,842.00
412.31
19
3/7/2015
9,842.00 $
31.68
31.68
8.97 $
22.71
9,833.03
435.02
31.68
8.99 $
22.69
9,824.03
457.71
12
3/22/2015
9,833.03 $
31.68
21
4/6/2015
9,824.03 $
31.68
31.68
9.01 $
22.67
9,815.02
480.38
22
4/21/2015
9,815.02 $
31.68
31.68
9.03 $
22.65
9,805.99
503.03
23
5/6/2015
9,805.99 $
31.68
31.68
9.05 $
22.63
9,796.93
525.66
24
5/21/2015
9,796.93 $
31.68
31.68
9.08 $
22.61
9,787.86
548.27
25
6/5/2015
9,787.86 $
31.68
31.68
9.10 $
22.59
9,778.76
570.86
26
6/20/2015
9,778.76 $
31.68
31.68
9.12 $
22.57
9,769.64
593.42
27
7/5/2015
9,769.64 $
31.68
31.68
9.14 $
22.55
9,760.51
615.97
31.68
9.16 $
22.52
9,751.35
638.49
20
7/20/2015
9,760.51 $
31.68
29
8/4/2015
9,751.35 $
31.68
31.68
9.18 $
22.50
9,742.17
661.00
30
8/19/2015
9,742.17 $
31.68
31.68
9.20 $
22.48
9,732.96
683.48
31
9/3/2015
9,732.96 $
31.68
31.68
9.22 $
22.46
9,723.74
705.94
32
9/18/2015
9,723.74 $
31.68
31.68
9.24 $
22.44
9,714.50
728.38
33
10/3/2015
9,714.50 $
31.68
31.68
9.27 $
22.42
9,705.23
750.80
34
10/18/2015
9,705.23 $
31.68
31.68
9.29 $
22.40
9,695.94
773.19
35
11/2/2015
9,695.94 $
31.68
31.68
9.31 $
22.38
9,686.63
795.57
36
11/17/2015
9,686.63 $
31.68
31.68
9.33 $
22.35
9,677.30
817.92
31.68
9.35 $
22.33
9,667.95
840.25
28
37
12/2/2015
9,677.30 $
31.68
38
12/17/2015
9,667.95 $
31.68
31.68
9.37 $
22.31
9,658.58
862.57
39
1/1/2016
9,658.58 $
31.68
31.68
9.39 $
22.29
9,649.18
884.85
40
1/16/2016
9,649.18 $
31.68
31.68
9.42 $
22.27
9,639.77
907.12
Page 3 of 15
PMT #
41
PAYMENT DATE
1/31/2016

9,639.77 $
EXTRA PMT
TOTAL PMT
PRINCIPAL
INTEREST
ENDING BAL
CUMULATIVE INT
31.68
31.68
9.44 $
22.25
9,630.33
929.37
31.68
9.46 $
22.22
9,620.87
951.59
973.79
2/15/2016
9,630.33 $
31.68
43
3/1/2016
9,620.87 $
31.68
31.68
9.48 $
22.20
9,611.39
44
3/16/2016
9,611.39 $
31.68
31.68
9.50 $
22.18
9,601.88
995.97
45
3/31/2016
9,601.88 $
31.68
31.68
9.53 $
22.16
9,592.36
1,018.13
46
4/15/2016
9,592.36 $
31.68
31.68
9.55 $
22.14
9,582.81
1,040.27
47
4/30/2016
9,582.81 $
31.68
31.68
9.57 $
22.11
9,573.24
1,062.38
48
5/15/2016
9,573.24 $
31.68
31.68
9.59 $
22.09
9,563.65
1,084.47
49
5/30/2016
9,563.65 $
31.68
31.68
9.61 $
22.07
9,554.04
1,106.54
31.68
9.64 $
22.05
9,544.40
1,128.59
42
50
6/14/2016
9,554.04 $
31.68
51
6/29/2016
9,544.40 $
31.68
31.68
9.66 $
22.03
9,534.74
1,150.62
52
7/14/2016
9,534.74 $
31.68
31.68
9.68 $
22.00
9,525.06
1,172.62
53
7/29/2016
9,525.06 $
31.68
31.68
9.70 $
21.98
9,515.36
1,194.60
54
8/13/2016
9,515.36 $
31.68
31.68
9.73 $
21.96
9,505.63
1,216.56
55
8/28/2016
9,505.63 $
31.68
31.68
9.75 $
21.94
9,495.88
1,238.50
56
9/12/2016
9,495.88 $
31.68
31.68
9.77 $
21.91
9,486.11
1,260.41
57
9/27/2016
9,486.11 $
31.68
31.68
9.79 $
21.89
9,476.32
1,282.30
58
10/12/2016
9,476.32 $
31.68
31.68
9.82 $
21.87
9,466.51
1,304.17
31.68
9.84 $
21.85
9,456.67
1,326.01
59
10/27/2016
9,466.51 $
31.68
60
11/11/2016
9,456.67 $
31.68
31.68
9.86 $
21.82
9,446.81
1,347.84
61
11/26/2016
9,446.81 $
31.68
31.68
9.88 $
21.80
9,436.92
1,369.64
62
12/11/2016
9,436.92 $
31.68
31.68
9.91 $
21.78
9,427.02
1,391.42
63
12/26/2016
9,427.02 $
31.68
31.68
9.93 $
21.75
9,417.09
1,413.17
64
1/10/2017
9,417.09 $
31.68
31.68
9.95 $
21.73
9,407.14
1,434.90
65
1/25/2017
9,407.14 $
31.68
31.68
9.98 $
21.71
9,397.16
1,456.61
66
2/9/2017
9,397.16 $
31.68
31.68
10.00 $
21.69
9,387.16
1,478.30
31.68
10.02 $
21.66
9,377.14
1,499.96
67
2/24/2017
9,387.16 $
31.68
68
3/11/2017
9,377.14 $
31.68
31.68
10.04 $
21.64
9,367.10
1,521.60
69
3/26/2017
9,367.10 $
31.68
31.68
10.07 $
21.62
9,357.03
1,543.22
70
4/10/2017
9,357.03 $
31.68
31.68
10.09 $
21.59
9,346.94
1,564.81
71
4/25/2017
9,346.94 $
31.68
31.68
10.11 $
21.57
9,336.83
1,586.38
72
5/10/2017
9,336.83 $
31.68
31.68
10.14 $
21.55
9,326.69
1,607.92
73
5/25/2017
9,326.69 $
31.68
31.68
10.16 $
21.52
9,316.53
1,629.45
74
6/9/2017
9,316.53 $
31.68
31.68
10.18 $
21.50
9,306.34
1,650.95
31.68
10.21 $
21.48
9,296.14
1,672.42
6/24/2017
9,306.34 $
31.68
76
7/9/2017
9,296.14 $
31.68
31.68
10.23 $
21.45
9,285.90
1,693.88
77
7/24/2017
9,285.90 $
31.68
31.68
10.25 $
21.43
9,275.65
1,715.31
78
8/8/2017
9,275.65 $
31.68
31.68
10.28 $
21.41
9,265.37
1,736.71
79
8/23/2017
9,265.37 $
31.68
31.68
10.30 $
21.38
9,255.07
1,758.09
80
9/7/2017
9,255.07 $
31.68
31.68
10.33 $
21.36
9,244.74
1,779.45
81
9/22/2017
9,244.74 $
31.68
31.68
10.35 $
21.33
9,234.39
1,800.78
82
10/7/2017
9,234.39 $
31.68
31.68
10.37 $
21.31
9,224.02
1,822.09
83
10/22/2017
9,224.02 $
31.68
31.68
10.40 $
21.29
9,213.62
1,843.38
31.68
10.42 $
21.26
9,203.20
1,864.64
75
84
11/6/2017
9,213.62 $
31.68
85
11/21/2017
9,203.20 $
31.68
31.68
10.45 $
21.24
9,192.75
1,885.88
86
12/6/2017
9,192.75 $
31.68
31.68
10.47 $
21.21
9,182.28
1,907.10
87
12/21/2017
9,182.28 $
31.68
31.68
10.49 $
21.19
9,171.79
1,928.28
88
1/5/2018
9,171.79 $
31.68
31.68
10.52 $
21.17
9,161.27
1,949.45
89
1/20/2018
9,161.27 $
31.68
31.68
10.54 $
21.14
9,150.73
1,970.59
90
2/4/2018
9,150.73 $
31.68
31.68
10.57 $
21.12
9,140.16
1,991.71
91
2/19/2018
9,140.16 $
31.68
31.68
10.59 $
21.09
9,129.57
2,012.80
31.68
10.62 $
21.07
9,118.96
2,033.87
31.68
10.64 $
21.04
9,108.32
2,054.91
92
3/6/2018
9,129.57 $
31.68
93
3/21/2018
9,118.96 $
31.68
Page 4 of 15
PMT #
94
PAYMENT DATE
4/5/2018

9,108.32 $
EXTRA PMT
TOTAL PMT
PRINCIPAL
INTEREST
ENDING BAL
CUMULATIVE INT
31.68
31.68
10.66 $
21.02
9,097.65
2,075.93
31.68
10.69 $
20.99
9,086.96
2,096.93
4/20/2018
9,097.65 $
31.68
96
5/5/2018
9,086.96 $
31.68
31.68
10.71 $
20.97
9,076.25
2,117.90
97
5/20/2018
9,076.25 $
31.68
31.68
10.74 $
20.95
9,065.51
2,138.84
98
6/4/2018
9,065.51 $
31.68
31.68
10.76 $
20.92
9,054.75
2,159.76
99
6/19/2018
9,054.75 $
31.68
31.68
10.79 $
20.90
9,043.96
2,180.66
100
7/4/2018
9,043.96 $
31.68
31.68
10.81 $
20.87
9,033.14
2,201.53
101
7/19/2018
9,033.14 $
31.68
31.68
10.84 $
20.85
9,022.31
2,222.37
102
8/3/2018
9,022.31 $
31.68
31.68
10.86 $
20.82
9,011.44
2,243.20
31.68
10.89 $
20.80
9,000.55
2,263.99
95
8/18/2018
9,011.44 $
31.68
104
9/2/2018
9,000.55 $
31.68
31.68
10.91 $
20.77
8,989.64
2,284.76
105
9/17/2018
8,989.64 $
31.68
31.68
10.94 $
20.75
8,978.70
2,305.51
106
10/2/2018
8,978.70 $
31.68
31.68
10.96 $
20.72
8,967.74
2,326.23
107
10/17/2018
8,967.74 $
31.68
31.68
10.99 $
20.69
8,956.75
2,346.92
108
11/1/2018
8,956.75 $
31.68
31.68
11.01 $
20.67
8,945.74
2,367.59
109
11/16/2018
8,945.74 $
31.68
31.68
11.04 $
20.64
8,934.70
2,388.24
110
12/1/2018
8,934.70 $
31.68
31.68
11.07 $
20.62
8,923.63
2,408.85
111
12/16/2018
8,923.63 $
31.68
31.68
11.09 $
20.59
8,912.54
2,429.45
31.68
11.12 $
20.57
8,901.42
2,450.01
103
112
12/31/2018
8,912.54 $
31.68
113
1/15/2019
8,901.42 $
31.68
31.68
11.14 $
20.54
8,890.28
2,470.56
114
1/30/2019
8,890.28 $
31.68
31.68
11.17 $
20.52
8,879.11
2,491.07
115
2/14/2019
8,879.11 $
31.68
31.68
11.19 $
20.49
8,867.92
2,511.56
116
3/1/2019
8,867.92 $
31.68
31.68
11.22 $
20.46
8,856.70
2,532.03
117
3/16/2019
8,856.70 $
31.68
31.68
11.25 $
20.44
8,845.45
2,552.47
118
3/31/2019
8,845.45 $
31.68
31.68
11.27 $
20.41
8,834.18
2,572.88
119
4/15/2019
8,834.18 $
31.68
31.68
11.30 $
20.39
8,822.89
2,593.26
31.68
11.32 $
20.36
8,811.56
2,613.63
120
4/30/2019
8,822.89 $
31.68
121
5/15/2019
8,811.56 $
31.68
31.68
11.35 $
20.33
8,800.21
2,633.96
122
5/30/2019
8,800.21 $
31.68
31.68
11.38 $
20.31
8,788.84
2,654.27
123
6/14/2019
8,788.84 $
31.68
31.68
11.40 $
20.28
8,777.44
2,674.55
124
6/29/2019
8,777.44 $
31.68
31.68
11.43 $
20.26
8,766.01
2,694.81
125
7/14/2019
8,766.01 $
31.68
31.68
11.45 $
20.23
8,754.55
2,715.03
126
7/29/2019
8,754.55 $
31.68
31.68
11.48 $
20.20
8,743.07
2,735.24
127
8/13/2019
8,743.07 $
31.68
31.68
11.51 $
20.18
8,731.56
2,755.41
31.68
11.53 $
20.15
8,720.03
2,775.56
128
8/28/2019
8,731.56 $
31.68
129
9/12/2019
8,720.03 $
31.68
31.68
11.56 $
20.12
8,708.47
2,795.69
130
9/27/2019
8,708.47 $
31.68
31.68
11.59 $
20.10
8,696.88
2,815.78
131
10/12/2019
8,696.88 $
31.68
31.68
11.61 $
20.07
8,685.27
2,835.85
132
10/27/2019
8,685.27 $
31.68
31.68
11.64 $
20.04
8,673.63
2,855.90
133
11/11/2019
8,673.63 $
31.68
31.68
11.67 $
20.02
8,661.96
2,875.91
134
11/26/2019
8,661.96 $
31.68
31.68
11.69 $
19.99
8,650.26
2,895.90
135
12/11/2019
8,650.26 $
31.68
31.68
11.72 $
19.96
8,638.54
2,915.86
136
12/26/2019
8,638.54 $
31.68
31.68
11.75 $
19.94
8,626.79
2,935.80
31.68
11.78 $
19.91
8,615.02
2,955.71
137
1/10/2020
8,626.79 $
31.68
138
1/25/2020
8,615.02 $
31.68
31.68
11.80 $
19.88
8,603.22
2,975.59
139
2/9/2020
8,603.22 $
31.68
31.68
11.83 $
19.85
8,591.39
2,995.44
140
2/24/2020
8,591.39 $
31.68
31.68
11.86 $
19.83
8,579.53
3,015.27
141
3/10/2020
8,579.53 $
31.68
31.68
11.88 $
19.80
8,567.64
3,035.07
142
3/25/2020
8,567.64 $
31.68
31.68
11.91 $
19.77
8,555.73
3,054.84
143
4/9/2020
8,555.73 $
31.68
31.68
11.94 $
19.74
8,543.79
3,074.58
144
4/24/2020
8,543.79 $
31.68
31.68
11.97 $
19.72
8,531.82
3,094.30
31.68
12.00 $
19.69
8,519.83
3,113.99
31.68
12.02 $
19.66
8,507.81
3,133.65
145
5/9/2020
8,531.82 $
31.68
146
5/24/2020
8,519.83 $
31.68
Page 5 of 15
PMT #
147
PAYMENT DATE
6/8/2020

8,507.81 $
EXTRA PMT
TOTAL PMT
PRINCIPAL
INTEREST
ENDING BAL
CUMULATIVE INT
31.68
31.68
12.05 $
19.63
8,495.75
3,153.28
31.68
12.08 $
19.61
8,483.68
3,172.89
6/23/2020
8,495.75 $
31.68
149
7/8/2020
8,483.68 $
31.68
31.68
12.11 $
19.58
8,471.57
3,192.46
150
7/23/2020
8,471.57 $
31.68
31.68
12.13 $
19.55
8,459.44
3,212.01
151
8/7/2020
8,459.44 $
31.68
31.68
12.16 $
19.52
8,447.27
3,231.54
152
8/22/2020
8,447.27 $
31.68
31.68
12.19 $
19.49
8,435.08
3,251.03
153
9/6/2020
8,435.08 $
31.68
31.68
12.22 $
19.47
8,422.87
3,270.50
154
9/21/2020
8,422.87 $
31.68
31.68
12.25 $
19.44
8,410.62
3,289.93
155
10/6/2020
8,410.62 $
31.68
31.68
12.27 $
19.41
8,398.34
3,309.34
31.68
12.30 $
19.38
8,386.04
3,328.72
148
10/21/2020
8,398.34 $
31.68
157
11/5/2020
8,386.04 $
31.68
31.68
12.33 $
19.35
8,373.71
3,348.07
158
11/20/2020
8,373.71 $
31.68
31.68
12.36 $
19.32
8,361.35
3,367.40
159
12/5/2020
8,361.35 $
31.68
31.68
12.39 $
19.30
8,348.96
3,386.69
160
12/20/2020
8,348.96 $
31.68
31.68
12.42 $
19.27
8,336.54
3,405.96
161
1/4/2021
8,336.54 $
31.68
31.68
12.45 $
19.24
8,324.10
3,425.20
162
1/19/2021
8,324.10 $
31.68
31.68
12.47 $
19.21
8,311.62
3,444.41
163
2/3/2021
8,311.62 $
31.68
31.68
12.50 $
19.18
8,299.12
3,463.59
164
2/18/2021
8,299.12 $
31.68
31.68
12.53 $
19.15
8,286.59
3,482.74
31.68
12.56 $
19.12
8,274.03
3,501.86
156
165
3/5/2021
8,286.59 $
31.68
166
3/20/2021
8,274.03 $
31.68
31.68
12.59 $
19.09
8,261.44
3,520.96
167
4/4/2021
8,261.44 $
31.68
31.68
12.62 $
19.06
8,248.82
3,540.02
168
4/19/2021
8,248.82 $
31.68
31.68
12.65 $
19.04
8,236.17
3,559.06
169
5/4/2021
8,236.17 $
31.68
31.68
12.68 $
19.01
8,223.49
3,578.07
170
5/19/2021
8,223.49 $
31.68
31.68
12.71 $
18.98
8,210.79
3,597.04
171
6/3/2021
8,210.79 $
31.68
31.68
12.74 $
18.95
8,198.05
3,615.99
172
6/18/2021
8,198.05 $
31.68
31.68
12.77 $
18.92
8,185.29
3,634.91
31.68
12.79 $
18.89
8,172.49
3,653.80
173
7/3/2021
8,185.29 $
31.68
174
7/18/2021
8,172.49 $
31.68
31.68
12.82 $
18.86
8,159.67
3,672.66
175
8/2/2021
8,159.67 $
31.68
31.68
12.85 $
18.83
8,146.81
3,691.49
176
8/17/2021
8,146.81 $
31.68
31.68
12.88 $
18.80
8,133.93
3,710.29
177
9/1/2021
8,133.93 $
31.68
31.68
12.91 $
18.77
8,121.02
3,729.06
178
9/16/2021
8,121.02 $
31.68
31.68
12.94 $
18.74
8,108.07
3,747.80
179
10/1/2021
8,108.07 $
31.68
31.68
12.97 $
18.71
8,095.10
3,766.51
180
10/16/2021
8,095.10 $
31.68
31.68
13.00 $
18.68
8,082.10
3,785.19
31.68
13.03 $
18.65
8,069.07
3,803.84
181
10/31/2021
8,082.10 $
31.68
182
11/15/2021
8,069.07 $
31.68
31.68
13.06 $
18.62
8,056.00
3,822.46
183
11/30/2021
8,056.00 $
31.68
31.68
13.09 $
18.59
8,042.91
3,841.05
184
12/15/2021
8,042.91 $
31.68
31.68
13.12 $
18.56
8,029.79
3,859.61
185
12/30/2021
8,029.79 $
31.68
31.68
13.15 $
18.53
8,016.63
3,878.14
186
1/14/2022
8,016.63 $
31.68
31.68
13.18 $
18.50
8,003.45
3,896.64
187
1/29/2022
8,003.45 $
31.68
31.68
13.21 $
18.47
7,990.23
3,915.11
188
2/13/2022
7,990.23 $
31.68
31.68
13.24 $
18.44
7,976.99
3,933.55
189
2/28/2022
7,976.99 $
31.68
31.68
13.28 $
18.41
7,963.71
3,951.96
31.68
13.31 $
18.38
7,950.41
3,970.34
190
3/15/2022
7,963.71 $
31.68
191
3/30/2022
7,950.41 $
31.68
31.68
13.34 $
18.35
7,937.07
3,988.69
192
4/14/2022
7,937.07 $
31.68
31.68
13.37 $
18.32
7,923.70
4,007.00
193
4/29/2022
7,923.70 $
31.68
31.68
13.40 $
18.29
7,910.31
4,025.29
194
5/14/2022
7,910.31 $
31.68
31.68
13.43 $
18.25
7,896.88
4,043.54
195
5/29/2022
7,896.88 $
31.68
31.68
13.46 $
18.22
7,883.42
4,061.77
196
6/13/2022
7,883.42 $
31.68
31.68
13.49 $
18.19
7,869.92
4,079.96
197
6/28/2022
7,869.92 $
31.68
31.68
13.52 $
18.16
7,856.40
4,098.12
31.68
13.55 $
18.13
7,842.85
4,116.25
31.68
13.58 $
18.10
7,829.26
4,134.35
198
7/13/2022
7,856.40 $
31.68
199
7/28/2022
7,842.85 $
31.68
Page 6 of 15
PMT #
200
PAYMENT DATE
8/12/2022

7,829.26 $
EXTRA PMT
TOTAL PMT
PRINCIPAL
INTEREST
ENDING BAL
CUMULATIVE INT
31.68
31.68
13.62 $
18.07
7,815.65
4,152.42
31.68
13.65 $
18.04
7,802.00
4,170.45
201
8/27/2022
7,815.65 $
31.68
202
9/11/2022
7,802.00 $
31.68
31.68
13.68 $
18.00
7,788.32
4,188.46
203
9/26/2022
7,788.32 $
31.68
31.68
13.71 $
17.97
7,774.61
4,206.43
204
10/11/2022
7,774.61 $
31.68
31.68
13.74 $
17.94
7,760.87
4,224.37
205
10/26/2022
7,760.87 $
31.68
31.68
13.77 $
17.91
7,747.09
4,242.28
206
11/10/2022
7,747.09 $
31.68
31.68
13.81 $
17.88
7,733.29
4,260.16
207
11/25/2022
7,733.29 $
31.68
31.68
13.84 $
17.85
7,719.45
4,278.01
208
12/10/2022
7,719.45 $
31.68
31.68
13.87 $
17.81
7,705.58
4,295.82
31.68
13.90 $
17.78
7,691.68
4,313.60
12/25/2022
7,705.58 $
31.68
210
1/9/2023
7,691.68 $
31.68
31.68
13.93 $
17.75
7,677.74
4,331.35
211
1/24/2023
7,677.74 $
31.68
31.68
13.97 $
17.72
7,663.78
4,349.07
212
2/8/2023
7,663.78 $
31.68
31.68
14.00 $
17.69
7,649.78
4,366.76
213
2/23/2023
7,649.78 $
31.68
31.68
14.03 $
17.65
7,635.75
4,384.41
214
3/10/2023
7,635.75 $
31.68
31.68
14.06 $
17.62
7,621.69
4,402.03
215
3/25/2023
7,621.69 $
31.68
31.68
14.10 $
17.59
7,607.59
4,419.62
216
4/9/2023
7,607.59 $
31.68
31.68
14.13 $
17.56
7,593.46
4,437.17
217
4/24/2023
7,593.46 $
31.68
31.68
14.16 $
17.52
7,579.30
4,454.70
31.68
14.19 $
17.49
7,565.11
4,472.19
209
218
5/9/2023
7,579.30 $
31.68
219
5/24/2023
7,565.11 $
31.68
31.68
14.23 $
17.46
7,550.88
4,489.65
220
6/8/2023
7,550.88 $
31.68
31.68
14.26 $
17.43
7,536.62
4,507.07
221
6/23/2023
7,536.62 $
31.68
31.68
14.29 $
17.39
7,522.33
4,524.46
222
7/8/2023
7,522.33 $
31.68
31.68
14.32 $
17.36
7,508.01
4,541.82
223
7/23/2023
7,508.01 $
31.68
31.68
14.36 $
17.33
7,493.65
4,559.15
224
8/7/2023
7,493.65 $
31.68
31.68
14.39 $
17.29
7,479.26
4,576.44
225
8/22/2023
7,479.26 $
31.68
31.68
14.42 $
17.26
7,464.84
4,593.70
31.68
14.46 $
17.23
7,450.38
4,610.93
226
9/6/2023
7,464.84 $
31.68
227
9/21/2023
7,450.38 $
31.68
31.68
14.49 $
17.19
7,435.89
4,628.12
228
10/6/2023
7,435.89 $
31.68
31.68
14.52 $
17.16
7,421.36
4,645.28
229
10/21/2023
7,421.36 $
31.68
31.68
14.56 $
17.13
7,406.81
4,662.41
230
11/5/2023
7,406.81 $
31.68
31.68
14.59 $
17.09
7,392.21
4,679.50
231
11/20/2023
7,392.21 $
31.68
31.68
14.62 $
17.06
7,377.59
4,696.56
232
12/5/2023
7,377.59 $
31.68
31.68
14.66 $
17.03
7,362.93
4,713.58
233
12/20/2023
7,362.93 $
31.68
31.68
14.69 $
16.99
7,348.24
4,730.58
31.68
14.73 $
16.96
7,333.51
4,747.53
234
1/4/2024
7,348.24 $
31.68
235
1/19/2024
7,333.51 $
31.68
31.68
14.76 $
16.92
7,318.75
4,764.46
236
2/3/2024
7,318.75 $
31.68
31.68
14.79 $
16.89
7,303.96
4,781.35
237
2/18/2024
7,303.96 $
31.68
31.68
14.83 $
16.86
7,289.13
4,798.20
238
3/4/2024
7,289.13 $
31.68
31.68
14.86 $
16.82
7,274.27
4,815.02
239
3/19/2024
7,274.27 $
31.68
31.68
14.90 $
16.79
7,259.37
4,831.81
240
4/3/2024
7,259.37 $
31.68
31.68
14.93 $
16.75
7,244.44
4,848.56
241
4/18/2024
7,244.44 $
31.68
31.68
14.97 $
16.72
7,229.47
4,865.28
242
5/3/2024
7,229.47 $
31.68
31.68
15.00 $
16.68
7,214.47
4,881.96
31.68
15.04 $
16.65
7,199.44
4,898.61
5/18/2024
7,214.47 $
31.68
244
6/2/2024
7,199.44 $
31.68
31.68
15.07 $
16.61
7,184.37
4,915.23
245
6/17/2024
7,184.37 $
31.68
31.68
15.10 $
16.58
7,169.26
4,931.81
246
7/2/2024
7,169.26 $
31.68
31.68
15.14 $
16.54
7,154.12
4,948.35
247
7/17/2024
7,154.12 $
31.68
31.68
15.17 $
16.51
7,138.95
4,964.86
248
8/1/2024
7,138.95 $
31.68
31.68
15.21 $
16.47
7,123.74
4,981.33
249
8/16/2024
7,123.74 $
31.68
31.68
15.24 $
16.44
7,108.49
4,997.77
250
8/31/2024
7,108.49 $
31.68
31.68
15.28 $
16.40
7,093.21
5,014.18
31.68
15.31 $
16.37
7,077.90
5,030.55
31.68
15.35 $
16.33
7,062.55
5,046.88
243
251
9/15/2024
7,093.21 $
31.68
252
9/30/2024
7,077.90 $
31.68
Page 7 of 15
PMT #
253
PAYMENT DATE
10/15/2024

7,062.55 $
EXTRA PMT
TOTAL PMT
PRINCIPAL
INTEREST
ENDING BAL
CUMULATIVE INT
31.68
31.68
15.39 $
16.30
7,047.16
5,063.18
31.68
15.42 $
16.26
7,031.74
5,079.44
254
10/30/2024
7,047.16 $
31.68
255
11/14/2024
7,031.74 $
31.68
31.68
15.46 $
16.23
7,016.29
5,095.67
256
11/29/2024
7,016.29 $
31.68
31.68
15.49 $
16.19
7,000.79
5,111.86
257
12/14/2024
7,000.79 $
31.68
31.68
15.53 $
16.16
6,985.27
5,128.01
258
12/29/2024
6,985.27 $
31.68
31.68
15.56 $
16.12
6,969.70
5,144.13
259
1/13/2025
6,969.70 $
31.68
31.68
15.60 $
16.08
6,954.10
5,160.22
260
1/28/2025
6,954.10 $
31.68
31.68
15.64 $
16.05
6,938.47
5,176.27
261
2/12/2025
6,938.47 $
31.68
31.68
15.67 $
16.01
6,922.79
5,192.28
31.68
15.71 $
15.98
6,907.09
5,208.25
262
2/27/2025
6,922.79 $
31.68
263
3/14/2025
6,907.09 $
31.68
31.68
15.74 $
15.94
6,891.34
5,224.19
264
3/29/2025
6,891.34 $
31.68
31.68
15.78 $
15.90
6,875.56
5,240.10
265
4/13/2025
6,875.56 $
31.68
31.68
15.82 $
15.87
6,859.74
5,255.96
266
4/28/2025
6,859.74 $
31.68
31.68
15.85 $
15.83
6,843.89
5,271.79
267
5/13/2025
6,843.89 $
31.68
31.68
15.89 $
15.79
6,828.00
5,287.59
268
5/28/2025
6,828.00 $
31.68
31.68
15.93 $
15.76
6,812.07
5,303.34
269
6/12/2025
6,812.07 $
31.68
31.68
15.96 $
15.72
6,796.11
5,319.06
270
6/27/2025
6,796.11 $
31.68
31.68
16.00 $
15.68
6,780.11
5,334.75
31.68
16.04 $
15.65
6,764.07
5,350.39
271
7/12/2025
6,780.11 $
31.68
272
7/27/2025
6,764.07 $
31.68
31.68
16.07 $
15.61
6,748.00
5,366.00
273
8/11/2025
6,748.00 $
31.68
31.68
16.11 $
15.57
6,731.88
5,381.58
274
8/26/2025
6,731.88 $
31.68
31.68
16.15 $
15.54
6,715.74
5,397.11
275
9/10/2025
6,715.74 $
31.68
31.68
16.19 $
15.50
6,699.55
5,412.61
276
9/25/2025
6,699.55 $
31.68
31.68
16.22 $
15.46
6,683.33
5,428.07
277
10/10/2025
6,683.33 $
31.68
31.68
16.26 $
15.42
6,667.07
5,443.49
278
10/25/2025
6,667.07 $
31.68
31.68
16.30 $
15.39
6,650.77
5,458.88
31.68
16.34 $
15.35
6,634.43
5,474.23
279
11/9/2025
6,650.77 $
31.68
280
11/24/2025
6,634.43 $
31.68
31.68
16.37 $
15.31
6,618.06
5,489.54
281
12/9/2025
6,618.06 $
31.68
31.68
16.41 $
15.27
6,601.65
5,504.81
282
12/24/2025
6,601.65 $
31.68
31.68
16.45 $
15.23
6,585.20
5,520.04
283
1/8/2026
6,585.20 $
31.68
31.68
16.49 $
15.20
6,568.71
5,535.24
284
1/23/2026
6,568.71 $
31.68
31.68
16.53 $
15.16
6,552.18
5,550.40
285
2/7/2026
6,552.18 $
31.68
31.68
16.56 $
15.12
6,535.62
5,565.52
286
2/22/2026
6,535.62 $
31.68
31.68
16.60 $
15.08
6,519.02
5,580.60
31.68
16.64 $
15.04
6,502.38
5,595.64
287
3/9/2026
6,519.02 $
31.68
288
3/24/2026
6,502.38 $
31.68
31.68
16.68 $
15.01
6,485.70
5,610.65
289
4/8/2026
6,485.70 $
31.68
31.68
16.72 $
14.97
6,468.98
5,625.62
290
4/23/2026
6,468.98 $
31.68
31.68
16.76 $
14.93
6,452.23
5,640.55
291
5/8/2026
6,452.23 $
31.68
31.68
16.79 $
14.89
6,435.43
5,655.44
292
5/23/2026
6,435.43 $
31.68
31.68
16.83 $
14.85
6,418.60
5,670.29
293
6/7/2026
6,418.60 $
31.68
31.68
16.87 $
14.81
6,401.73
5,685.10
294
6/22/2026
6,401.73 $
31.68
31.68
16.91 $
14.77
6,384.82
5,699.87
295
7/7/2026
6,384.82 $
31.68
31.68
16.95 $
14.73
6,367.87
5,714.61
31.68
16.99 $
14.70
6,350.88
5,729.30
7/22/2026
6,367.87 $
31.68
297
8/6/2026
6,350.88 $
31.68
31.68
17.03 $
14.66
6,333.85
5,743.96
298
8/21/2026
6,333.85 $
31.68
31.68
17.07 $
14.62
6,316.79
5,758.57
299
9/5/2026
6,316.79 $
31.68
31.68
17.11 $
14.58
6,299.68
5,773.15
300
9/20/2026
6,299.68 $
31.68
31.68
17.15 $
14.54
6,282.53
5,787.69
301
10/5/2026
6,282.53 $
31.68
31.68
17.19 $
14.50
6,265.35
5,802.19
302
10/20/2026
6,265.35 $
31.68
31.68
17.23 $
14.46
6,248.12
5,816.64
303
11/4/2026
6,248.12 $
31.68
31.68
17.27 $
14.42
6,230.86
5,831.06
31.68
17.30 $
14.38
6,213.55
5,845.44
31.68
17.34 $
14.34
6,196.21
5,859.78
296
304
11/19/2026
6,230.86 $
31.68
305
12/4/2026
6,213.55 $
31.68
Page 8 of 15
PMT #
306
PAYMENT DATE
12/19/2026

6,196.21 $
EXTRA PMT
TOTAL PMT
PRINCIPAL
INTEREST
ENDING BAL
CUMULATIVE INT
31.68
31.68
17.38 $
14.30
6,178.82
5,874.08
31.68
17.43 $
14.26
6,161.40
5,888.34
307
1/3/2027
6,178.82 $
31.68
308
1/18/2027
6,161.40 $
31.68
31.68
17.47 $
14.22
6,143.93
5,902.56
309
2/2/2027
6,143.93 $
31.68
31.68
17.51 $
14.18
6,126.43
5,916.74
310
2/17/2027
6,126.43 $
31.68
31.68
17.55 $
14.14
6,108.88
5,930.87
311
3/4/2027
6,108.88 $
31.68
31.68
17.59 $
14.10
6,091.29
5,944.97
312
3/19/2027
6,091.29 $
31.68
31.68
17.63 $
14.06
6,073.67
5,959.03
313
4/3/2027
6,073.67 $
31.68
31.68
17.67 $
14.02
6,056.00
5,973.04
314
4/18/2027
6,056.00 $
31.68
31.68
17.71 $
13.98
6,038.29
5,987.02
31.68
17.75 $
13.93
6,020.54
6,000.95
315
5/3/2027
6,038.29 $
31.68
316
5/18/2027
6,020.54 $
31.68
31.68
17.79 $
13.89
6,002.75
6,014.85
317
6/2/2027
6,002.75 $
31.68
31.68
17.83 $
13.85
5,984.92
6,028.70
318
6/17/2027
5,984.92 $
31.68
31.68
17.87 $
13.81
5,967.05
6,042.51
319
7/2/2027
5,967.05 $
31.68
31.68
17.91 $
13.77
5,949.13
6,056.28
320
7/17/2027
5,949.13 $
31.68
31.68
17.96 $
13.73
5,931.18
6,070.01
321
8/1/2027
5,931.18 $
31.68
31.68
18.00 $
13.69
5,913.18
6,083.70
322
8/16/2027
5,913.18 $
31.68
31.68
18.04 $
13.65
5,895.14
6,097.34
323
8/31/2027
5,895.14 $
31.68
31.68
18.08 $
13.60
5,877.06
6,110.95
31.68
18.12 $
13.56
5,858.94
6,124.51
9/15/2027
5,877.06 $
31.68
325
9/30/2027
5,858.94 $
31.68
31.68
18.16 $
13.52
5,840.78
6,138.03
326
10/15/2027
5,840.78 $
31.68
31.68
18.21 $
13.48
5,822.57
6,151.51
327
10/30/2027
5,822.57 $
31.68
31.68
18.25 $
13.44
5,804.33
6,164.95
328
11/14/2027
5,804.33 $
31.68
31.68
18.29 $
13.39
5,786.04
6,178.34
329
11/29/2027
5,786.04 $
31.68
31.68
18.33 $
13.35
5,767.71
6,191.69
330
12/14/2027
5,767.71 $
31.68
31.68
18.37 $
13.31
5,749.33
6,205.00
331
12/29/2027
5,749.33 $
31.68
31.68
18.42 $
13.27
5,730.92
6,218.27
31.68
18.46 $
13.23
5,712.46
6,231.50
324
332
1/13/2028
5,730.92 $
31.68
333
1/28/2028
5,712.46 $
31.68
31.68
18.50 $
13.18
5,693.96
6,244.68
334
2/12/2028
5,693.96 $
31.68
31.68
18.54 $
13.14
5,675.41
6,257.82
335
2/27/2028
5,675.41 $
31.68
31.68
18.59 $
13.10
5,656.83
6,270.92
336
3/13/2028
5,656.83 $
31.68
31.68
18.63 $
13.05
5,638.20
6,283.97
337
3/28/2028
5,638.20 $
31.68
31.68
18.67 $
13.01
5,619.52
6,296.98
338
4/12/2028
5,619.52 $
31.68
31.68
18.72 $
12.97
5,600.81
6,309.95
339
4/27/2028
5,600.81 $
31.68
31.68
18.76 $
12.92
5,582.05
6,322.87
31.68
18.80 $
12.88
5,563.25
6,335.76
340
5/12/2028
5,582.05 $
31.68
341
5/27/2028
5,563.25 $
31.68
31.68
18.85 $
12.84
5,544.40
6,348.59
342
6/11/2028
5,544.40 $
31.68
31.68
18.89 $
12.79
5,525.51
6,361.39
343
6/26/2028
5,525.51 $
31.68
31.68
18.93 $
12.75
5,506.58
6,374.14
344
7/11/2028
5,506.58 $
31.68
31.68
18.98 $
12.71
5,487.60
6,386.85
345
7/26/2028
5,487.60 $
31.68
31.68
19.02 $
12.66
5,468.58
6,399.51
346
8/10/2028
5,468.58 $
31.68
31.68
19.06 $
12.62
5,449.52
6,412.13
347
8/25/2028
5,449.52 $
31.68
31.68
19.11 $
12.58
5,430.41
6,424.71
348
9/9/2028
5,430.41 $
31.68
31.68
19.15 $
12.53
5,411.26
6,437.24
31.68
19.20 $
12.49
5,392.06
6,449.73
9/24/2028
5,411.26 $
31.68
350
10/9/2028
5,392.06 $
31.68
31.68
19.24 $
12.44
5,372.82
6,462.17
351
10/24/2028
5,372.82 $
31.68
31.68
19.29 $
12.40
5,353.54
6,474.57
352
11/8/2028
5,353.54 $
31.68
31.68
19.33 $
12.35
5,334.21
6,486.92
353
11/23/2028
5,334.21 $
31.68
31.68
19.37 $
12.31
5,314.83
6,499.23
354
12/8/2028
5,314.83 $
31.68
31.68
19.42 $
12.27
5,295.41
6,511.50
355
12/23/2028
5,295.41 $
31.68
31.68
19.46 $
12.22
5,275.95
6,523.72
356
1/7/2029
5,275.95 $
31.68
31.68
19.51 $
12.18
5,256.44
6,535.89
31.68
19.55 $
12.13
5,236.89
6,548.02
31.68
19.60 $
12.09
5,217.29
6,560.11
349
357
1/22/2029
5,256.44 $
31.68
358
2/6/2029
5,236.89 $
31.68
Page 9 of 15
PMT #
359
PAYMENT DATE
2/21/2029

5,217.29 $
EXTRA PMT
TOTAL PMT
PRINCIPAL
INTEREST
ENDING BAL
CUMULATIVE INT
31.68
31.68
19.64 $
12.04
5,197.65
6,572.15
31.68
19.69 $
11.99
5,177.96
6,584.14
360
3/8/2029
5,197.65 $
31.68
361
3/23/2029
5,177.96 $
31.68
31.68
19.73 $
11.95
5,158.22
6,596.09
362
4/7/2029
5,158.22 $
31.68
31.68
19.78 $
11.90
5,138.44
6,608.00
363
4/22/2029
5,138.44 $
31.68
31.68
19.83 $
11.86
5,118.62
6,619.85
364
5/7/2029
5,118.62 $
31.68
31.68
19.87 $
11.81
5,098.74
6,631.67
365
5/22/2029
5,098.74 $
31.68
31.68
19.92 $
11.77
5,078.83
6,643.43
366
6/6/2029
5,078.83 $
31.68
31.68
19.96 $
11.72
5,058.86
6,655.15
367
6/21/2029
5,058.86 $
31.68
31.68
20.01 $
11.67
5,038.85
6,666.83
31.68
20.06 $
11.63
5,018.80
6,678.45
368
7/6/2029
5,038.85 $
31.68
369
7/21/2029
5,018.80 $
31.68
31.68
20.10 $
11.58
4,998.70
6,690.04
370
8/5/2029
4,998.70 $
31.68
31.68
20.15 $
11.54
4,978.55
6,701.57
371
8/20/2029
4,978.55 $
31.68
31.68
20.19 $
11.49
4,958.35
6,713.06
372
9/4/2029
4,958.35 $
31.68
31.68
20.24 $
11.44
4,938.11
6,724.50
373
9/19/2029
4,938.11 $
31.68
31.68
20.29 $
11.40
4,917.82
6,735.90
374
10/4/2029
4,917.82 $
31.68
31.68
20.34 $
11.35
4,897.49
6,747.25
375
10/19/2029
4,897.49 $
31.68
31.68
20.38 $
11.30
4,877.11
6,758.55
376
11/3/2029
4,877.11 $
31.68
31.68
20.43 $
11.25
4,856.68
6,769.80
31.68
20.48 $
11.21
4,836.20
6,781.01
11/18/2029
4,856.68 $
31.68
378
12/3/2029
4,836.20 $
31.68
31.68
20.52 $
11.16
4,815.68
6,792.17
379
12/18/2029
4,815.68 $
31.68
31.68
20.57 $
11.11
4,795.11
6,803.29
380
1/2/2030
4,795.11 $
31.68
31.68
20.62 $
11.07
4,774.49
6,814.35
381
1/17/2030
4,774.49 $
31.68
31.68
20.67 $
11.02
4,753.82
6,825.37
382
2/1/2030
4,753.82 $
31.68
31.68
20.71 $
10.97
4,733.11
6,836.34
383
2/16/2030
4,733.11 $
31.68
31.68
20.76 $
10.92
4,712.35
6,847.26
384
3/3/2030
4,712.35 $
31.68
31.68
20.81 $
10.87
4,691.54
6,858.14
31.68
20.86 $
10.83
4,670.68
6,868.96
377
3/18/2030
4,691.54 $
31.68
386
4/2/2030
4,670.68 $
31.68
31.68
20.91 $
10.78
4,649.78
6,879.74
387
4/17/2030
4,649.78 $
31.68
31.68
20.95 $
10.73
4,628.82
6,890.47
388
5/2/2030
4,628.82 $
31.68
31.68
21.00 $
10.68
4,607.82
6,901.15
389
5/17/2030
4,607.82 $
31.68
31.68
21.05 $
10.63
4,586.77
6,911.79
390
6/1/2030
4,586.77 $
31.68
31.68
21.10 $
10.58
4,565.67
6,922.37
391
6/16/2030
4,565.67 $
31.68
31.68
21.15 $
10.54
4,544.52
6,932.91
392
7/1/2030
4,544.52 $
31.68
31.68
21.20 $
10.49
4,523.33
6,943.40
31.68
21.25 $
10.44
4,502.08
6,953.83
385
393
7/16/2030
4,523.33 $
31.68
394
7/31/2030
4,502.08 $
31.68
31.68
21.29 $
10.39
4,480.79
6,964.22
395
8/15/2030
4,480.79 $
31.68
31.68
21.34 $
10.34
4,459.44
6,974.56
396
8/30/2030
4,459.44 $
31.68
31.68
21.39 $
10.29
4,438.05
6,984.86
397
9/14/2030
4,438.05 $
31.68
31.68
21.44 $
10.24
4,416.61
6,995.10
398
9/29/2030
4,416.61 $
31.68
31.68
21.49 $
10.19
4,395.12
7,005.29
399
10/14/2030
4,395.12 $
31.68
31.68
21.54 $
10.14
4,373.58
7,015.43
400
10/29/2030
4,373.58 $
31.68
31.68
21.59 $
10.09
4,351.98
7,025.52
401
11/13/2030
4,351.98 $
31.68
31.68
21.64 $
10.04
4,330.34
7,035.57
31.68
21.69
9.99
4,308.65
7,045.56
402
11/28/2030
4,330.34 $
31.68
403
12/13/2030
4,308.65 $
31.68
31.68
21.74
9.94
4,286.91
7,055.50
404
12/28/2030
4,286.91 $
31.68
31.68
21.79
9.89
4,265.12
7,065.40
405
1/12/2031
4,265.12 $
31.68
31.68
21.84
9.84
4,243.28
7,075.24
406
1/27/2031
4,243.28 $
31.68
31.68
21.89
9.79
4,221.39
7,085.03
407
2/11/2031
4,221.39 $
31.68
31.68
21.94
9.74
4,199.45
7,094.77
408
2/26/2031
4,199.45 $
31.68
31.68
21.99
9.69
4,177.45
7,104.46
409
3/13/2031
4,177.45 $
31.68
31.68
22.04
9.64
4,155.41
7,114.10
31.68
22.09
9.59
4,133.32
7,123.69
31.68
22.15
9.54
4,111.17
7,133.23
410
3/28/2031
4,155.41 $
31.68
411
4/12/2031
4,133.32 $
31.68
Page 10 of 15
PMT #
412
PAYMENT DATE
4/27/2031

4,111.17 $
EXTRA PMT
TOTAL PMT
PRINCIPAL
INTEREST
ENDING BAL
CUMULATIVE INT
31.68
31.68
22.20
9.49
4,088.97
7,142.72
31.68
22.25
9.44
4,066.73
7,152.16
413
5/12/2031
4,088.97 $
31.68
414
5/27/2031
4,066.73 $
31.68
31.68
22.30
9.38
4,044.43
7,161.54
415
6/11/2031
4,044.43 $
31.68
31.68
22.35
9.33
4,022.08
7,170.87
416
6/26/2031
4,022.08 $
31.68
31.68
22.40
9.28
3,999.67
7,180.16
417
7/11/2031
3,999.67 $
31.68
31.68
22.45
9.23
3,977.22
7,189.39
418
7/26/2031
3,977.22 $
31.68
31.68
22.51
9.18
3,954.71
7,198.56
419
8/10/2031
3,954.71 $
31.68
31.68
22.56
9.13
3,932.16
7,207.69
420
8/25/2031
3,932.16 $
31.68
31.68
22.61
9.07
3,909.55
7,216.76
31.68
22.66
9.02
3,886.89
7,225.79
421
9/9/2031
3,909.55 $
31.68
422
9/24/2031
3,886.89 $
31.68
31.68
22.71
8.97
3,864.17
7,234.76
423
10/9/2031
3,864.17 $
31.68
31.68
22.77
8.92
3,841.40
7,243.67
424
10/24/2031
3,841.40 $
31.68
31.68
22.82
8.86
3,818.59
7,252.54
425
11/8/2031
3,818.59 $
31.68
31.68
22.87
8.81
3,795.71
7,261.35
426
11/23/2031
3,795.71 $
31.68
31.68
22.92
8.76
3,772.79
7,270.11
427
12/8/2031
3,772.79 $
31.68
31.68
22.98
8.71
3,749.81
7,278.82
428
12/23/2031
3,749.81 $
31.68
31.68
23.03
8.65
3,726.78
7,287.47
429
1/7/2032
3,726.78 $
31.68
31.68
23.08
8.60
3,703.70
7,296.07
31.68
23.14
8.55
3,680.56
7,304.62
1/22/2032
3,703.70 $
31.68
431
2/6/2032
3,680.56 $
31.68
31.68
23.19
8.49
3,657.37
7,313.11
432
2/21/2032
3,657.37 $
31.68
31.68
23.24
8.44
3,634.13
7,321.55
433
3/7/2032
3,634.13 $
31.68
31.68
23.30
8.39
3,610.83
7,329.94
434
3/22/2032
3,610.83 $
31.68
31.68
23.35
8.33
3,587.48
7,338.27
435
4/6/2032
3,587.48 $
31.68
31.68
23.41
8.28
3,564.07
7,346.55
436
4/21/2032
3,564.07 $
31.68
31.68
23.46
8.22
3,540.61
7,354.77
437
5/6/2032
3,540.61 $
31.68
31.68
23.51
8.17
3,517.10
7,362.94
31.68
23.57
8.12
3,493.53
7,371.06
430
5/21/2032
3,517.10 $
31.68
439
6/5/2032
3,493.53 $
31.68
31.68
23.62
8.06
3,469.91
7,379.12
440
6/20/2032
3,469.91 $
31.68
31.68
23.68
8.01
3,446.24
7,387.13
441
7/5/2032
3,446.24 $
31.68
31.68
23.73
7.95
3,422.50
7,395.08
442
7/20/2032
3,422.50 $
31.68
31.68
23.79
7.90
3,398.72
7,402.98
443
8/4/2032
3,398.72 $
31.68
31.68
23.84
7.84
3,374.88
7,410.82
444
8/19/2032
3,374.88 $
31.68
31.68
23.90
7.79
3,350.98
7,418.61
445
9/3/2032
3,350.98 $
31.68
31.68
23.95
7.73
3,327.03
7,426.35
31.68
24.01
7.68
3,303.03
7,434.02
438
9/18/2032
3,327.03 $
31.68
447
10/3/2032
3,303.03 $
31.68
31.68
24.06
7.62
3,278.96
7,441.65
448
10/18/2032
3,278.96 $
31.68
31.68
24.12
7.57
3,254.85
7,449.21
449
11/2/2032
3,254.85 $
31.68
31.68
24.17
7.51
3,230.67
7,456.72
450
11/17/2032
3,230.67 $
31.68
31.68
24.23
7.46
3,206.45
7,464.18
451
12/2/2032
3,206.45 $
31.68
31.68
24.28
7.40
3,182.16
7,471.58
452
12/17/2032
3,182.16 $
31.68
31.68
24.34
7.34
3,157.82
7,478.92
453
1/1/2033
3,157.82 $
31.68
31.68
24.40
7.29
3,133.42
7,486.21
454
1/16/2033
3,133.42 $
31.68
31.68
24.45
7.23
3,108.97
7,493.44
31.68
24.51
7.17
3,084.46
7,500.61
446
455
1/31/2033
3,108.97 $
31.68
456
2/15/2033
3,084.46 $
31.68
31.68
24.57
7.12
3,059.90
7,507.73
457
3/2/2033
3,059.90 $
31.68
31.68
24.62
7.06
3,035.27
7,514.79
458
3/17/2033
3,035.27 $
31.68
31.68
24.68
7.00
3,010.59
7,521.80
459
4/1/2033
3,010.59 $
31.68
31.68
24.74
6.95
2,985.86
7,528.75
460
4/16/2033
2,985.86 $
31.68
31.68
24.79
6.89
2,961.07
7,535.64
461
5/1/2033
2,961.07 $
31.68
31.68
24.85
6.83
2,936.21
7,542.47
462
5/16/2033
2,936.21 $
31.68
31.68
24.91
6.78
2,911.31
7,549.25
31.68
24.97
6.72
2,886.34
7,555.96
31.68
25.02
6.66
2,861.32
7,562.62
463
5/31/2033
2,911.31 $
31.68
464
6/15/2033
2,886.34 $
31.68
Page 11 of 15
PMT #
465
PAYMENT DATE
6/30/2033

2,861.32 $
EXTRA PMT
TOTAL PMT
PRINCIPAL
INTEREST
ENDING BAL
CUMULATIVE INT
31.68
31.68
25.08
6.60
2,836.24
7,569.23
31.68
25.14
6.55
2,811.10
7,575.77
466
7/15/2033
2,836.24 $
31.68
467
7/30/2033
2,811.10 $
31.68
31.68
25.20
6.49
2,785.90
7,582.26
468
8/14/2033
2,785.90 $
31.68
31.68
25.25
6.43
2,760.65
7,588.69
469
8/29/2033
2,760.65 $
31.68
31.68
25.31
6.37
2,735.33
7,595.06
470
9/13/2033
2,735.33 $
31.68
31.68
25.37
6.31
2,709.96
7,601.37
471
9/28/2033
2,709.96 $
31.68
31.68
25.43
6.25
2,684.53
7,607.63
472
10/13/2033
2,684.53 $
31.68
31.68
25.49
6.20
2,659.04
7,613.82
473
10/28/2033
2,659.04 $
31.68
31.68
25.55
6.14
2,633.50
7,619.96
31.68
25.61
6.08
2,607.89
7,626.03
474
11/12/2033
2,633.50 $
31.68
475
11/27/2033
2,607.89 $
31.68
31.68
25.67
6.02
2,582.22
7,632.05
476
12/12/2033
2,582.22 $
31.68
31.68
25.72
5.96
2,556.50
7,638.01
477
12/27/2033
2,556.50 $
31.68
31.68
25.78
5.90
2,530.71
7,643.91
478
1/11/2034
2,530.71 $
31.68
31.68
25.84
5.84
2,504.87
7,649.75
479
1/26/2034
2,504.87 $
31.68
31.68
25.90
5.78
2,478.97
7,655.53
480
2/10/2034
2,478.97 $
31.68
31.68
25.96
5.72
2,453.00
7,661.25
481
2/25/2034
2,453.00 $
31.68
31.68
26.02
5.66
2,426.98
7,666.91
482
3/12/2034
2,426.98 $
31.68
31.68
26.08
5.60
2,400.90
7,672.51
31.68
26.14
5.54
2,374.75
7,678.05
483
3/27/2034
2,400.90 $
31.68
484
4/11/2034
2,374.75 $
31.68
31.68
26.20
5.48
2,348.55
7,683.53
485
4/26/2034
2,348.55 $
31.68
31.68
26.26
5.42
2,322.29
7,688.95
486
5/11/2034
2,322.29 $
31.68
31.68
26.32
5.36
2,295.96
7,694.31
487
5/26/2034
2,295.96 $
31.68
31.68
26.39
5.30
2,269.58
7,699.61
488
6/10/2034
2,269.58 $
31.68
31.68
26.45
5.24
2,243.13
7,704.85
489
6/25/2034
2,243.13 $
31.68
31.68
26.51
5.18
2,216.62
7,710.03
490
7/10/2034
2,216.62 $
31.68
31.68
26.57
5.12
2,190.05
7,715.14
31.68
26.63
5.05
2,163.42
7,720.19
7/25/2034
2,190.05 $
31.68
492
8/9/2034
2,163.42 $
31.68
31.68
26.69
4.99
2,136.73
7,725.19
493
8/24/2034
2,136.73 $
31.68
31.68
26.75
4.93
2,109.98
7,730.12
494
9/8/2034
2,109.98 $
31.68
31.68
26.81
4.87
2,083.17
7,734.99
495
9/23/2034
2,083.17 $
31.68
31.68
26.88
4.81
2,056.29
7,739.79
496
10/8/2034
2,056.29 $
31.68
31.68
26.94
4.75
2,029.35
7,744.54
497
10/23/2034
2,029.35 $
31.68
31.68
27.00
4.68
2,002.35
7,749.22
498
11/7/2034
2,002.35 $
31.68
31.68
27.06
4.62
1,975.29
7,753.84
31.68
27.13
4.56
1,948.16
7,758.40
491
11/22/2034
1,975.29 $
31.68
500
12/7/2034
1,948.16 $
31.68
31.68
27.19
4.50
1,920.97
7,762.90
501
12/22/2034
1,920.97 $
31.68
31.68
27.25
4.43
1,893.72
7,767.33
502
1/6/2035
1,893.72 $
31.68
31.68
27.31
4.37
1,866.41
7,771.70
503
1/21/2035
1,866.41 $
31.68
31.68
27.38
4.31
1,839.03
7,776.01
504
2/5/2035
1,839.03 $
31.68
31.68
27.44
4.24
1,811.59
7,780.25
505
2/20/2035
1,811.59 $
31.68
31.68
27.50
4.18
1,784.09
7,784.43
506
3/7/2035
1,784.09 $
31.68
31.68
27.57
4.12
1,756.52
7,788.55
507
3/22/2035
1,756.52 $
31.68
31.68
27.63
4.05
1,728.89
7,792.60
31.68
27.69
3.99
1,701.20
7,796.59
499
508
4/6/2035
1,728.89 $
31.68
509
4/21/2035
1,701.20 $
31.68
31.68
27.76
3.93
1,673.44
7,800.52
510
5/6/2035
1,673.44 $
31.68
31.68
27.82
3.86
1,645.62
7,804.38
511
5/21/2035
1,645.62 $
31.68
31.68
27.89
3.80
1,617.73
7,808.18
512
6/5/2035
1,617.73 $
31.68
31.68
27.95
3.73
1,589.78
7,811.91
513
6/20/2035
1,589.78 $
31.68
31.68
28.02
3.67
1,561.77
7,815.58
514
7/5/2035
1,561.77 $
31.68
31.68
28.08
3.60
1,533.69
7,819.18
515
7/20/2035
1,533.69 $
31.68
31.68
28.14
3.54
1,505.54
7,822.72
31.68
28.21
3.47
1,477.33
7,826.20
31.68
28.27
3.41
1,449.06
7,829.61
516
8/4/2035
1,505.54 $
31.68
517
8/19/2035
1,477.33 $
31.68
Page 12 of 15
PMT #
518
PAYMENT DATE
9/3/2035

1,449.06 $
EXTRA PMT
TOTAL PMT
PRINCIPAL
INTEREST
ENDING BAL
CUMULATIVE INT
31.68
31.68
28.34
3.34
1,420.72
7,832.95
31.68
28.41
3.28
1,392.31
7,836.23
9/18/2035
1,420.72 $
31.68
520
10/3/2035
1,392.31 $
31.68
31.68
28.47
3.21
1,363.84
7,839.44
521
10/18/2035
1,363.84 $
31.68
31.68
28.54
3.15
1,335.30
7,842.59
522
11/2/2035
1,335.30 $
31.68
31.68
28.60
3.08
1,306.70
7,845.67
523
11/17/2035
1,306.70 $
31.68
31.68
28.67
3.02
1,278.03
7,848.69
524
12/2/2035
1,278.03 $
31.68
31.68
28.73
2.95
1,249.30
7,851.64
525
12/17/2035
1,249.30 $
31.68
31.68
28.80
2.88
1,220.50
7,854.52
526
1/1/2036
1,220.50 $
31.68
31.68
28.87
2.82
1,191.63
7,857.34
31.68
28.93
2.75
1,162.70
7,860.09
519
527
1/16/2036
1,191.63 $
31.68
528
1/31/2036
1,162.70 $
31.68
31.68
29.00
2.68
1,133.70
7,862.77
529
2/15/2036
1,133.70 $
31.68
31.68
29.07
2.62
1,104.63
7,865.39
530
3/1/2036
1,104.63 $
31.68
31.68
29.13
2.55
1,075.49
7,867.93
531
3/16/2036
1,075.49 $
31.68
31.68
29.20
2.48
1,046.29
7,870.42
532
3/31/2036
1,046.29 $
31.68
31.68
29.27
2.41
1,017.02
7,872.83
533
4/15/2036
1,017.02 $
31.68
31.68
29.34
2.35
987.69
7,875.18
534
4/30/2036
987.69 $
31.68
31.68
29.40
2.28
958.28
7,877.46
535
5/15/2036
958.28 $
31.68
31.68
29.47
2.21
928.81
7,879.67
31.68
29.54
2.14
899.27
7,881.81
536
5/30/2036
928.81 $
31.68
537
6/14/2036
899.27 $
31.68
31.68
29.61
2.08
869.66
7,883.89
538
6/29/2036
869.66 $
31.68
31.68
29.68
2.01
839.98
7,885.89
539
7/14/2036
839.98 $
31.68
31.68
29.75
1.94
810.24
7,887.83
540
7/29/2036
810.24 $
31.68
31.68
29.81
1.87
780.42
7,889.70
541
8/13/2036
780.42 $
31.68
31.68
29.88
1.80
750.54
7,891.50
542
8/28/2036
750.54 $
31.68
31.68
29.95
1.73
720.59
7,893.24
543
9/12/2036
720.59 $
31.68
31.68
30.02
1.66
690.57
7,894.90
31.68
30.09
1.59
660.48
7,896.49
544
9/27/2036
690.57 $
31.68
545
10/12/2036
660.48 $
31.68
31.68
30.16
1.52
630.32
7,898.02
546
10/27/2036
630.32 $
31.68
31.68
30.23
1.45
600.09
7,899.47
547
11/11/2036
600.09 $
31.68
31.68
30.30
1.38
569.79
7,900.86
548
11/26/2036
569.79 $
31.68
31.68
30.37
1.31
539.42
7,902.17
549
12/11/2036
539.42 $
31.68
31.68
30.44
1.24
508.98
7,903.42
550
12/26/2036
508.98 $
31.68
31.68
30.51
1.17
478.47
7,904.59
551
1/10/2037
478.47 $
31.68
31.68
30.58
1.10
447.89
7,905.69
31.68
30.65
1.03
417.24
7,906.73
1/25/2037
447.89 $
31.68
553
2/9/2037
417.24 $
31.68
31.68
30.72
0.96
386.52
7,907.69
554
2/24/2037
386.52 $
31.68
31.68
30.79
0.89
355.73
7,908.58
555
3/11/2037
355.73 $
31.68
31.68
30.86
0.82
324.87
7,909.40
556
3/26/2037
324.87 $
31.68
31.68
30.93
0.75
293.93
7,910.15
557
4/10/2037
293.93 $
31.68
31.68
31.01
0.68
262.93
7,910.83
558
4/25/2037
262.93 $
31.68
31.68
31.08
0.61
231.85
7,911.44
559
5/10/2037
231.85 $
31.68
31.68
31.15
0.54
200.70
7,911.97
560
5/25/2037
200.70 $
31.68
31.68
31.22
0.46
169.48
7,912.44
31.68
31.29
0.39
138.19
7,912.83
552
561
6/9/2037
169.48 $
31.68
562
6/24/2037
138.19 $
31.68
31.68
31.36
0.32
106.82
7,913.15
563
7/9/2037
106.82 $
31.68
31.68
31.44
0.25
75.39
7,913.39
564
7/24/2037
75.39 $
31.68
31.68
31.51
0.17
43.88
7,913.57
565
8/8/2037
43.88 $
31.68
31.68
31.58
0.10
12.29
7,913.67
566
8/23/2037
12.29 $
31.68
12.29
12.26
0.03
0.00
7,913.70
567
9/7/2037
31.68
0.00
0.00
0.00
7,913.70
0.00
Page 13 of 15
PAYMENT SCHEDULE
LOAN SCENARIO
LOAN SUMMARY
6/10/2014
START DATE OF LOAN
$0.00
$10,000.00
LOAN AMOUNT
26

PAYMENT FREQUENCY
PAYMENT DATE
6/10/2014 $
6/25/2014
11
$0.00

TOTAL INTEREST
$135.38
6.00%
COST OF LOAN
$10,450.00
676
Fortnightly
ANNUAL INTEREST
PMT #
$950.00
SCHEDULED PAYMENT
EXTRA PMT
10,000.00
950.00
9,073.08
950.00
TOTAL PMT
$
PRINCIPAL
INTEREST
ENDING BAL
CUMULATIVE INT
9,073.08 $
23.08
20.94
8,144.01
44.01
931.21 $
18.79
7,212.81
62.81
79.45
950.00 $
926.92 $
23.08
950.00
929.06 $
950.00
7/10/2014
8,144.01
950.00
7/25/2014
7,212.81
950.00
950.00
933.36 $
16.64
6,279.45
8/9/2014
6,279.45
950.00
950.00
935.51 $
14.49
5,343.94
93.94
8/24/2014
5,343.94
950.00
950.00
937.67 $
12.33
4,406.28
106.28
9/8/2014
4,406.28
950.00
950.00
939.83 $
10.17
3,466.45
116.45
9/23/2014
3,466.45
950.00
950.00
942.00
8.00
2,524.44
124.44
10/8/2014
2,524.44
950.00
950.00
944.17
5.83
1,580.27
130.27
10
10/23/2014
1,580.27
950.00
950.00
946.35
3.65
633.92
133.92
11
11/7/2014
633.92
950.00
633.92
632.45
1.46
0.00
135.38
12
11/22/2014
0.00
950.00
0.00
0.00
0.00
135.38
Page 14 of 15
LOAN CALCULATOR DATA

This sheet holds data that is used in loan calculations and to populate drop down lists. Changing information
in it may result in incorrect loan payment calculations.
Payment Frequency Lookup

Fortnightly
15
YEAR
INTERVAL
0
Monthly
12
Quarterly
Annually
FREQUENCY
MONTH INTERVAL DAY INTERVAL
PAYMENTS PER YEAR

26

Loan Comparison

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Loan Comparison

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PAYMENT COMPARISON

LOAN PERIOD IN YEARS

ANNUAL INTEREST RATE

LOAN PERIOD IN YEARS

ACTUAL LOAN PERIOD

START DATE OF LOAN

OPTIONAL EXTRA PAYMENT

LOAN PERIOD IN YEARS

TOTAL EARLY PAYMENTS

BEGINNING BAL SCHEDULED PMT

START DATE OF LOAN

OPTIONAL EXTRA PAYMENT

LOAN PERIOD IN YEARS

TOTAL EARLY PAYMENTS

BEGINNING BAL SCHEDULED PMT

BEGINNING BAL SCHEDULED PMT

BEGINNING BAL SCHEDULED PMT

BEGINNING BAL SCHEDULED PMT

BEGINNING BAL SCHEDULED PMT

BEGINNING BAL SCHEDULED PMT

BEGINNING BAL SCHEDULED PMT

BEGINNING BAL SCHEDULED PMT

BEGINNING BAL SCHEDULED PMT

BEGINNING BAL SCHEDULED PMT

BEGINNING BAL SCHEDULED PMT

START DATE OF LOAN

OPTIONAL EXTRA PAYMENT

LOAN PERIOD IN YEARS

TOTAL EARLY PAYMENTS

BEGINNING BAL SCHEDULED PMT

LOAN CALCULATOR DATA

Payment Frequency Lookup

MONTH INTERVAL DAY INTERVAL

PAYMENTS PER YEAR

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