LOAN CALCULATOR WITH EXTRA PAYMENTS

Loan Amount
Annual Interest Rate
Loan Period in Years
Start Date of Loan
Optional Extra Payments

Scheduled Monthly Payment

Scheduled Number of Payments
Actual Number of Payments
Total Early Payments
Total Interest

Beginning
Balance
7/28/2002 $
10,000.00
8/28/2002
9,951.18
9/28/2002
9,901.96
10/28/2002
9,852.32
11/28/2002
9,802.28
12/28/2002
9,751.81
1/28/2003
9,700.93
2/28/2003
9,649.62
3/28/2003
9,597.88
4/28/2003
9,545.71
5/28/2003
9,493.11
6/28/2003
9,440.07
7/28/2003
9,386.58
8/28/2003
9,332.65
9/28/2003
9,278.27
10/28/2003
9,223.44
11/28/2003
9,168.15
12/28/2003
9,112.40
1/28/2004
9,056.19
2/28/2004
8,999.51
3/28/2004
8,942.35
4/28/2004
8,884.72
5/28/2004
8,826.61
6/28/2004
8,768.01
7/28/2004
8,708.93
8/28/2004
8,649.35
9/28/2004
8,589.28
10/28/2004
8,528.71
11/28/2004
8,467.63
12/28/2004
8,406.04
1/28/2005
8,343.94
2/28/2005
8,281.32
3/28/2005
8,218.18
4/28/2005
8,154.52
5/28/2005
8,090.32
6/28/2005
8,025.59
7/28/2005
7,960.32
8/28/2005
7,894.51
9/28/2005
7,828.14
10/28/2005
7,761.23
11/28/2005
7,693.75
12/28/2005
7,625.72
1/28/2006
7,557.11
2/28/2006
7,487.94
3/28/2006
7,418.19
4/28/2006
7,347.85
5/28/2006
7,276.94
6/28/2006
7,205.43
7/28/2006
7,133.32
8/28/2006
7,060.61
9/28/2006
6,987.30

No. Payment Date

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
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51

Enter Values
$10,000.00
10.00%
10 Must be between 1 and 30 years.
7/28/2002
If your extra payments vary, enter them in the table below.

$
$

132.15
120
120
5,858.09

Scheduled
Payment
$
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15

Extra
Payment
$
-

Total Payment
$

132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15

Principal
$

48.82
49.22
49.63
50.05
50.47
50.89
51.31
51.74
52.17
52.60
53.04
53.48
53.93
54.38
54.83
55.29
55.75
56.21
56.68
57.15
57.63
58.11
58.60
59.08
59.58
60.07
60.57
61.08
61.59
62.10
62.62
63.14
63.67
64.20
64.73
65.27
65.81
66.36
66.92
67.47
68.04
68.60
69.17
69.75
70.33
70.92
71.51
72.11
72.71
73.31
73.92

Interest
$

83.33
82.93
82.52
82.10
81.69
81.27
80.84
80.41
79.98
79.55
79.11
78.67
78.22
77.77
77.32
76.86
76.40
75.94
75.47
75.00
74.52
74.04
73.56
73.07
72.57
72.08
71.58
71.07
70.56
70.05
69.53
69.01
68.48
67.95
67.42
66.88
66.34
65.79
65.23
64.68
64.11
63.55
62.98
62.40
61.82
61.23
60.64
60.05
59.44
58.84
58.23

Ending Balance
$

9,951.18
9,901.96
9,852.32
9,802.28
9,751.81
9,700.93
9,649.62
9,597.88
9,545.71
9,493.11
9,440.07
9,386.58
9,332.65
9,278.27
9,223.44
9,168.15
9,112.40
9,056.19
8,999.51
8,942.35
8,884.72
8,826.61
8,768.01
8,708.93
8,649.35
8,589.28
8,528.71
8,467.63
8,406.04
8,343.94
8,281.32
8,218.18
8,154.52
8,090.32
8,025.59
7,960.32
7,894.51
7,828.14
7,761.23
7,693.75
7,625.72
7,557.11
7,487.94
7,418.19
7,347.85
7,276.94
7,205.43
7,133.32
7,060.61
6,987.30
6,913.38

No. Payment Date

52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121

10/28/2006
11/28/2006
12/28/2006
1/28/2007
2/28/2007
3/28/2007
4/28/2007
5/28/2007
6/28/2007
7/28/2007
8/28/2007
9/28/2007
10/28/2007
11/28/2007
12/28/2007
1/28/2008
2/28/2008
3/28/2008
4/28/2008
5/28/2008
6/28/2008
7/28/2008
8/28/2008
9/28/2008
10/28/2008
11/28/2008
12/28/2008
1/28/2009
2/28/2009
3/28/2009
4/28/2009
5/28/2009
6/28/2009
7/28/2009
8/28/2009
9/28/2009
10/28/2009
11/28/2009
12/28/2009
1/28/2010
2/28/2010
3/28/2010
4/28/2010
5/28/2010
6/28/2010
7/28/2010
8/28/2010
9/28/2010
10/28/2010
11/28/2010
12/28/2010
1/28/2011
2/28/2011
3/28/2011
4/28/2011
5/28/2011
6/28/2011
7/28/2011
8/28/2011
9/28/2011
10/28/2011
11/28/2011
12/28/2011
1/28/2012
2/28/2012
3/28/2012
4/28/2012
5/28/2012
6/28/2012
7/28/2012

Beginning
Balance
6,913.38
6,838.84
6,763.68
6,687.89
6,611.47
6,534.42
6,456.72
6,378.38
6,299.38
6,219.72
6,139.40
6,058.41
5,976.75
5,894.41
5,811.38
5,727.65
5,643.23
5,558.11
5,472.28
5,385.73
5,298.46
5,210.46
5,121.73
5,032.26
4,942.05
4,851.08
4,759.35
4,666.86
4,573.60
4,479.57
4,384.75
4,289.13
4,192.73
4,095.51
3,997.49
3,898.65
3,798.99
3,698.50
3,597.17
3,495.00
3,391.97
3,288.09
3,183.34
3,077.71
2,971.21
2,863.82
2,755.53
2,646.35
2,536.25
2,425.23
2,313.29
2,200.42
2,086.61
1,971.84
1,856.12
1,739.44
1,621.79
1,503.15
1,383.53
1,262.90
1,141.28
1,018.64
894.98
770.28
644.55
517.77
389.94
261.03
131.06
0.00

Scheduled
Payment
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15

Extra
Payment
-

Total Payment
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15
132.15

Principal
74.54
75.16
75.79
76.42
77.06
77.70
78.34
79.00
79.66
80.32
80.99
81.66
82.34
83.03
83.72
84.42
85.12
85.83
86.55
87.27
88.00
88.73
89.47
90.22
90.97
91.73
92.49
93.26
94.04
94.82
95.61
96.41
97.21
98.02
98.84
99.66
100.49
101.33
102.17
103.03
103.88
104.75
105.62
106.50
107.39
108.29
109.19
110.10
111.02
111.94
112.87
113.81
114.76
115.72
116.68
117.66
118.64
119.62
120.62
121.63
122.64
123.66
124.69
125.73
126.78
127.84
128.90
129.98
131.06
132.15

Interest
57.61
56.99
56.36
55.73
55.10
54.45
53.81
53.15
52.49
51.83
51.16
50.49
49.81
49.12
48.43
47.73
47.03
46.32
45.60
44.88
44.15
43.42
42.68
41.94
41.18
40.43
39.66
38.89
38.11
37.33
36.54
35.74
34.94
34.13
33.31
32.49
31.66
30.82
29.98
29.12
28.27
27.40
26.53
25.65
24.76
23.87
22.96
22.05
21.14
20.21
19.28
18.34
17.39
16.43
15.47
14.50
13.51
12.53
11.53
10.52
9.51
8.49
7.46
6.42
5.37
4.31
3.25
2.18
1.09
0.00

Ending Balance
6,838.84
6,763.68
6,687.89
6,611.47
6,534.42
6,456.72
6,378.38
6,299.38
6,219.72
6,139.40
6,058.41
5,976.75
5,894.41
5,811.38
5,727.65
5,643.23
5,558.11
5,472.28
5,385.73
5,298.46
5,210.46
5,121.73
5,032.26
4,942.05
4,851.08
4,759.35
4,666.86
4,573.60
4,479.57
4,384.75
4,289.13
4,192.73
4,095.51
3,997.49
3,898.65
3,798.99
3,698.50
3,597.17
3,495.00
3,391.97
3,288.09
3,183.34
3,077.71
2,971.21
2,863.82
2,755.53
2,646.35
2,536.25
2,425.23
2,313.29
2,200.42
2,086.61
1,971.84
1,856.12
1,739.44
1,621.79
1,503.15
1,383.53
1,262.90
1,141.28
1,018.64
894.98
770.28
644.55
517.77
389.94
261.03
131.06
0.00
(132.15)