LOAN AMOUNT 416,000 LOAN AMOUNT 416,000

Interest/ year 4.054% Interest/ year 2.99%

Interest/ month 0.338% Interest/ month 0.249%

Months 360 Months 180
Monthly payment 1,999 Monthly payment 2,871
30 YR PLAN 15YR PLAN

PRINCIPAL COST PRINCIPAL

N Mortgage INT REPAYMENT PRINCIPAL Mortgage INT REPAYMENT
0 416000
1 1,999 1405 594 415406 2,871 1036 1834
2 1,999 1403 596 414811 2,871 1032 1839
3 1,999 1401 598 414213 2,871 1027 1844
4 1,999 1399 600 413613 2,871 1023 1848
5 1,999 1397 602 413012 2,871 1018 1853
6 1,999 1395 604 412408 2,871 1013 1857
7 1,999 1393 606 411802 2,871 1009 1862
8 1,999 1391 608 411194 2,871 1004 1867
9 1,999 1389 610 410585 2,871 999 1871
10 1,999 1387 612 409973 2,871 995 1876
11 1,999 1385 614 409359 2,871 990 1881
12 1,999 1383 616 408743 2,871 985 1885
13 1,999 1381 618 408124 2,871 981 1890
14 1,999 1379 620 407504 2,871 976 1895
15 1,999 1377 622 406882 2,871 971 1899
16 1,999 1375 624 406257 2,871 967 1904
17 1,999 1372 627 405631 2,871 962 1909
18 1,999 1370 629 405002 2,871 957 1914
19 1,999 1368 631 404371 2,871 952 1918
20 1,999 1366 633 403738 2,871 948 1923
21 1,999 1364 635 403103 2,871 943 1928
22 1,999 1362 637 402466 2,871 938 1933
23 1,999 1360 639 401827 2,871 933 1938
24 1,999 1358 642 401185 2,871 928 1942
25 1,999 1355 644 400542 2,871 923 1947
26 1,999 1353 646 399896 2,871 919 1952
27 1,999 1351 648 399248 2,871 914 1957
28 1,999 1349 650 398598 2,871 909 1962
29 1,999 1347 652 397945 2,871 904 1967
30 1,999 1344 655 397290 2,871 899 1972
31 1,999 1342 657 396634 2,871 894 1977
32 1,999 1340 659 395975 2,871 889 1981
33 1,999 1338 661 395313 2,871 884 1986
34 1,999 1336 664 394650 2,871 879 1991
35 1,999 1333 666 393984 2,871 874 1996
36 1,999 1331 668 393316 2,871 869 2001
37 1,999 1329 670 392646 2,871 864 2006
38 1,999 1326 673 391973 2,871 859 2011
39 1,999 1324 675 391298 2,871 854 2016
40 1,999 1322 677 390621 2,871 849 2021
41 1,999 1320 679 389942 2,871 844 2026
42 1,999 1317 682 389260 2,871 839 2031
43 1,999 1315 684 388576 2,871 834 2036
44 1,999 1313 686 387890 2,871 829 2042
45 1,999 1310 689 387201 2,871 824 2047
46 1,999 1308 691 386510 2,871 819 2052
47 1,999 1306 693 385817 2,871 814 2057
48 1,999 1303 696 385122 2,871 809 2062
49 1,999 1301 698 384424 2,871 804 2067
50 1,999 1299 700 383723 2,871 798 2072
51 1,999 1296 703 383021 2,871 793 2077
52 1,999 1294 705 382316 2,871 788 2083
53 1,999 1292 707 381608 2,871 783 2088
54 1,999 1289 710 380898 2,871 778 2093
55 1,999 1287 712 380186 2,871 773 2098
56 1,999 1284 715 379472 2,871 767 2103
57 1,999 1282 717 378755 2,871 762 2109
58 1,999 1280 719 378035 2,871 757 2114
59 1,999 1277 722 377313 2,871 752 2119
60 1,999 1275 724 376589 2,871 746 2124
61 1,999 1272 727 375862 2,871 741 2130
62 1,999 1270 729 375133 2,871 736 2135
63 1,999 1267 732 374401 2,871 730 2140
64 1,999 1265 734 373667 2,871 725 2146
65 1,999 1262 737 372930 2,871 720 2151
66 1,999 1260 739 372191 2,871 714 2156
67 1,999 1257 742 371450 2,871 709 2162
68 1,999 1255 744 370705 2,871 704 2167
69 1,999 1252 747 369959 2,871 698 2173
70 1,999 1250 749 369210 2,871 693 2178
71 1,999 1247 752 368458 2,871 687 2183
72 1,999 1245 754 367704 2,871 682 2189
73 1,999 1242 757 366947 2,871 676 2194
74 1,999 1240 759 366187 2,871 671 2200
75 1,999 1237 762 365426 2,871 665 2205
76 1,999 1235 764 364661 2,871 660 2211
77 1,999 1232 767 363894 2,871 654 2216
78 1,999 1229 770 363124 2,871 649 2222
79 1,999 1227 772 362352 2,871 643 2227
80 1,999 1224 775 361577 2,871 638 2233
 81 1,999 1222 777 360800 2,871 632 2238
82 1,999 1219 780 360020 2,871 627 2244
83 1,999 1216 783 359237 2,871 621 2250
84 1,999 1214 785 358451 2,871 616 2255
85 1,999 1211 788 357663 2,871 610 2261
86 1,999 1208 791 356873 2,871 604 2266
87 1,999 1206 793 356079 2,871 599 2272
88 1,999 1203 796 355283 2,871 593 2278
89 1,999 1200 799 354484 2,871 587 2283
90 1,999 1198 801 353683 2,871 582 2289
91 1,999 1195 804 352879 2,871 576 2295
92 1,999 1192 807 352072 2,871 570 2300
93 1,999 1189 810 351262 2,871 564 2306
94 1,999 1187 812 350450 2,871 559 2312
95 1,999 1184 815 349635 2,871 553 2318
96 1,999 1181 818 348817 2,871 547 2323
97 1,999 1178 821 347996 2,871 541 2329
98 1,999 1176 823 347173 2,871 536 2335
99 1,999 1173 826 346347 2,871 530 2341
100 1,999 1170 829 345518 2,871 524 2347
101 1,999 1167 832 344686 2,871 518 2353
102 1,999 1164 835 343852 2,871 512 2358
103 1,999 1162 837 343014 2,871 506 2364
104 1,999 1159 840 342174 2,871 500 2370
105 1,999 1156 843 341331 2,871 495 2376
106 1,999 1153 846 340485 2,871 489 2382
107 1,999 1150 849 339636 2,871 483 2388
108 1,999 1147 852 338785 2,871 477 2394
109 1,999 1145 854 337930 2,871 471 2400
110 1,999 1142 857 337073 2,871 465 2406
111 1,999 1139 860 336213 2,871 459 2412
112 1,999 1136 863 335350 2,871 453 2418
113 1,999 1133 866 334483 2,871 447 2424
114 1,999 1130 869 333614 2,871 441 2430
115 1,999 1127 872 332742 2,871 435 2436
116 1,999 1124 875 331868 2,871 429 2442
117 1,999 1121 878 330990 2,871 423 2448
118 1,999 1118 881 330109 2,871 416 2454
119 1,999 1115 884 329225 2,871 410 2460
120 1,999 1112 887 328338 2,871 404 2466
121 1,999 1109 890 327448 2,871 398 2473
122 1,999 1106 893 326556 2,871 392 2479
123 1,999 1103 896 325660 2,871 386 2485
124 1,999 1100 899 324761 2,871 380 2491
125 1,999 1097 902 323859 2,871 373 2497
126 1,999 1094 905 322954 2,871 367 2504
127 1,999 1091 908 322046 2,871 361 2510
128 1,999 1088 911 321135 2,871 355 2516
129 1,999 1085 914 320221 2,871 348 2522
130 1,999 1082 917 319304 2,871 342 2529
131 1,999 1079 920 318384 2,871 336 2535
132 1,999 1076 923 317460 2,871 329 2541
133 1,999 1072 927 316534 2,871 323 2548
134 1,999 1069 930 315604 2,871 317 2554
135 1,999 1066 933 314671 2,871 310 2560
136 1,999 1063 936 313735 2,871 304 2567
137 1,999 1060 939 312796 2,871 298 2573
138 1,999 1057 942 311854 2,871 291 2579
139 1,999 1054 945 310908 2,871 285 2586
140 1,999 1050 949 309960 2,871 278 2592
141 1,999 1047 952 309008 2,871 272 2599
142 1,999 1044 955 308053 2,871 265 2605
143 1,999 1041 958 307094 2,871 259 2612
144 1,999 1037 962 306133 2,871 252 2618
145 1,999 1034 965 305168 2,871 246 2625
146 1,999 1031 968 304200 2,871 239 2631
147 1,999 1028 971 303229 2,871 233 2638
148 1,999 1024 975 302254 2,871 226 2644
149 1,999 1021 978 301276 2,871 220 2651
150 1,999 1018 981 300295 2,871 213 2658
151 1,999 1014 985 299310 2,871 206 2664
152 1,999 1011 988 298323 2,871 200 2671
153 1,999 1008 991 297331 2,871 193 2678
154 1,999 1004 995 296337 2,871 187 2684
155 1,999 1001 998 295339 2,871 180 2691
156 1,999 998 1001 294338 2,871 173 2698
157 1,999 994 1005 293333 2,871 166 2704
158 1,999 991 1008 292325 2,871 160 2711
159 1,999 988 1011 291314 2,871 153 2718
160 1,999 984 1015 290299 2,871 146 2725
161 1,999 981 1018 289280 2,871 139 2731
162 1,999 977 1022 288259 2,871 133 2738
163 1,999 974 1025 287233 2,871 126 2745
164 1,999 970 1029 286205 2,871 119 2752
165 1,999 967 1032 285173 2,871 112 2759
166 1,999 963 1036 284137 2,871 105 2766
167 1,999 960 1039 283098 2,871 98 2772
168 1,999 956 1043 282055 2,871 91 2779
169 1,999 953 1046 281009 2,871 84 2786
170 1,999 949 1050 279960 2,871 78 2793
171 1,999 946 1053 278906 2,871 71 2800
172 1,999 942 1057 277849 2,871 64 2807
173 1,999 939 1060 276789 2,871 57 2814
174 1,999 935 1064 275725 2,871 50 2821
175 1,999 931 1068 274658 2,871 43 2828
176 1,999 928 1071 273587 2,871 35 2835
177 1,999 924 1075 272512 2,871 28 2842
178 1,999 921 1078 271433 2,871 21 2849
179 1,999 917 1082 270351 2,871 14 2856
180 1,999 913 1086 269266 2,871 7 2864
181 1,999 910 1089 268176
182 1,999 906 1093 267083
183 1,999 902 1097 265987
184 1,999 899 1100 264886
185 1,999 895 1104 263782
186 1,999 891 1108 262674
187 1,999 887 1112 261563
188 1,999 884 1115 260447
189 1,999 880 1119 259328
190 1,999 876 1123 258205
191 1,999 872 1127 257078
192 1,999 868 1131 255948
193 1,999 865 1134 254813
194 1,999 861 1138 253675
195 1,999 857 1142 252533
196 1,999 853 1146 251387
197 1,999 849 1150 250238
198 1,999 845 1154 249084
199 1,999 841 1158 247927
200 1,999 838 1161 246765
201 1,999 834 1165 245600
202 1,999 830 1169 244430
203 1,999 826 1173 243257
204 1,999 822 1177 242080
205 1,999 818 1181 240899
206 1,999 814 1185 239714
207 1,999 810 1189 238524
208 1,999 806 1193 237331
209 1,999 802 1197 236134
210 1,999 798 1201 234933
211 1,999 794 1205 233727
212 1,999 790 1209 232518
213 1,999 786 1213 231304
214 1,999 781 1218 230087
215 1,999 777 1222 228865
216 1,999 773 1226 227639
217 1,999 769 1230 226409
218 1,999 765 1234 225175
219 1,999 761 1238 223937
220 1,999 757 1242 222694
221 1,999 752 1247 221448
222 1,999 748 1251 220197
223 1,999 744 1255 218942
224 1,999 740 1259 217682
225 1,999 735 1264 216419
226 1,999 731 1268 215151
227 1,999 727 1272 213879
228 1,999 723 1276 212602
229 1,999 718 1281 211321
230 1,999 714 1285 210036
231 1,999 710 1289 208747
232 1,999 705 1294 207453
233 1,999 701 1298 206155
234 1,999 696 1303 204852
235 1,999 692 1307 203545
236 1,999 688 1311 202234
237 1,999 683 1316 200918
238 1,999 679 1320 199598
239 1,999 674 1325 198273
240 1,999 670 1329 196944
241 1,999 665 1334 195610
242 1,999 661 1338 194272
243 1,999 656 1343 192929
244 1,999 652 1347 191582
245 1,999 647 1352 190230
246 1,999 643 1356 188874
247 1,999 638 1361 187513
248 1,999 633 1366 186148
249 1,999 629 1370 184777
250 1,999 624 1375 183403
251 1,999 620 1379 182023
252 1,999 615 1384 180639
253 1,999 610 1389 179250
254 1,999 606 1393 177857
255 1,999 601 1398 176459
256 1,999 596 1403 175056
257 1,999 591 1408 173648
258 1,999 587 1412 172236
259 1,999 582 1417 170819
260 1,999 577 1422 169397
261 1,999 572 1427 167970
262 1,999 567 1432 166538
263 1,999 563 1436 165102
264 1,999 558 1441 163661
265 1,999 553 1446 162215
266 1,999 548 1451 160764
267 1,999 543 1456 159308
268 1,999 538 1461 157847
269 1,999 533 1466 156381
270 1,999 528 1471 154910
271 1,999 523 1476 153435
272 1,999 518 1481 151954
273 1,999 513 1486 150468
274 1,999 508 1491 148978
275 1,999 503 1496 147482
276 1,999 498 1501 145981
277 1,999 493 1506 144475
278 1,999 488 1511 142964
279 1,999 483 1516 141448
280 1,999 478 1521 139927
281 1,999 473 1526 138401
282 1,999 468 1531 136870
283 1,999 462 1537 135333
284 1,999 457 1542 133791
285 1,999 452 1547 132244
286 1,999 447 1552 130692
287 1,999 442 1557 129134
288 1,999 436 1563 127572
289 1,999 431 1568 126003
290 1,999 426 1573 124430
291 1,999 420 1579 122851
292 1,999 415 1584 121268
293 1,999 410 1589 119678
294 1,999 404 1595 118083
295 1,999 399 1600 116483
296 1,999 394 1606 114878
297 1,999 388 1611 113267
298 1,999 383 1616 111651
299 1,999 377 1622 110029
300 1,999 372 1627 108401
301 1,999 366 1633 106769
302 1,999 361 1638 105130
303 1,999 355 1644 103486
304 1,999 350 1649 101837
305 1,999 344 1655 100182
306 1,999 338 1661 98521
307 1,999 333 1666 96855
308 1,999 327 1672 95184
309 1,999 322 1677 93506
310 1,999 316 1683 91823
311 1,999 310 1689 90134
312 1,999 305 1695 88440
313 1,999 299 1700 86739
314 1,999 293 1706 85033
315 1,999 287 1712 83322
316 1,999 281 1718 81604
317 1,999 276 1723 79881
318 1,999 270 1729 78152
319 1,999 264 1735 76417
320 1,999 258 1741 74676
321 1,999 252 1747 72929
322 1,999 246 1753 71176
323 1,999 240 1759 69418
324 1,999 235 1765 67653
325 1,999 229 1770 65883
326 1,999 223 1776 64106
327 1,999 217 1782 62324
328 1,999 211 1788 60535
329 1,999 205 1795 58741
330 1,999 198 1801 56940
331 1,999 192 1807 55134
332 1,999 186 1813 53321
333 1,999 180 1819 51502
334 1,999 174 1825 49677
335 1,999 168 1831 47846
336 1,999 162 1837 46008
337 1,999 155 1844 44165
338 1,999 149 1850 42315
339 1,999 143 1856 40459
340 1,999 137 1862 38597
341 1,999 130 1869 36728
342 1,999 124 1875 34853
343 1,999 118 1881 32972
344 1,999 111 1888 31084
345 1,999 105 1894 29190
346 1,999 99 1900 27290
347 1,999 92 1907 25383
348 1,999 86 1913 23470
349 1,999 79 1920 21550
350 1,999 73 1926 19624
351 1,999 66 1933 17691
352 1,999 60 1939 15752
353 1,999 53 1946 13806
354 1,999 47 1952 11854
355 1,999 40 1959 9895
356 1,999 33 1966 7929
357 1,999 27 1972 5957
358 1,999 20 1979 3978
359 1,999 13 1986 1992
360 1,999 7 1992 0
 Mkt return 8.00%

Monthly 0.67%

More interest in 30yr plan (v/s 15yr plan)

Tax advantage in 30yr plan as compared to 15yr plan

PLAN Compare 30 yr plan v/s 15 year plan Tax savings o

Portfolio Extra Extra

Value (on Principal Positive value interest
COST Cash at hand a 30-yr owed (on means 30-yr paid on Tax
PRINCIPAL in 30-yr plan RETURN plan) 30-yr plan) plan better 30yr plan savings
416000
414166 872 6 877 1241 -363 369 129
412327 1743 12 1761 2484 -723 372 130
410483 2615 17 2650 3730 -1080 374 131
408635 3487 23 3545 4978 -1434 377 132
406782 4358 29 4446 6229 -1784 379 133
404925 5230 35 5352 7483 -2131 382 134
403063 6102 41 6264 8739 -2475 385 135
401196 6973 46 7183 9998 -2815 387 135
399325 7845 52 8107 11259 -3153 390 136
397449 8717 58 9036 12523 -3487 392 137
395569 9588 64 9972 13790 -3818 395 138
393683 10460 70 10913 15059 -4146 398 139
391793 11332 76 11861 16331 -4470 400 140
389899 12203 81 12814 17605 -4792 403 141
387999 13075 87 13772 18882 -5110 405 142
386095 13947 93 14737 20162 -5425 408 143
384186 14819 99 15708 21444 -5737 411 144
382273 15690 105 16684 22729 -6046 413 145
380354 16562 110 17666 24017 -6351 416 146
378431 17434 116 18654 25307 -6653 419 147
376503 18305 122 19648 26600 -6953 421 147
374570 19177 128 20647 27896 -7249 424 148
372633 20049 134 21652 29194 -7542 427 149
370690 20920 139 22664 30495 -7831 429 150
368743 21792 145 23681 31798 -8118 432 151
366791 22664 151 24703 33105 -8401 435 152
364834 23535 157 25732 34414 -8682 437 153
362872 24407 163 26766 35725 -8959 440 154
360906 25279 169 27806 37040 -9233 443 155
358934 26150 174 28853 38357 -9504 445 156
356957 27022 180 29904 39676 -9772 448 157
354976 27894 186 30962 40999 -10037 451 158
352990 28765 192 32025 42324 -10298 453 159
350998 29637 198 33095 43652 -10557 456 160
349002 30509 203 34170 44982 -10812 459 161
347001 31380 209 35251 46315 -11065 462 162
344994 32252 215 36337 47651 -11314 464 163
342983 33124 221 37430 48990 -11560 467 163
340967 33995 227 38528 50332 -11803 470 164
338945 34867 232 39632 51676 -12044 473 165
336919 35739 238 40742 53023 -12281 475 166
334888 36610 244 41858 54372 -12515 478 167
332851 37482 250 42979 55725 -12745 481 168
330810 38354 256 44107 57080 -12973 484 169
328763 39225 262 45240 58438 -13198 486 170
326712 40097 267 46379 59799 -13420 489 171
324655 40969 273 47524 61162 -13639 492 172
322593 41841 279 48674 62529 -13854 495 173
320526 42712 285 49831 63898 -14067 497 174
318454 43584 291 50993 65270 -14277 500 175
316376 44456 296 52161 66645 -14483 503 176
314294 45327 302 53335 68022 -14687 506 177
312206 46199 308 54515 69402 -14888 509 178
310113 47071 314 55700 70785 -15085 511 179
308015 47942 320 56891 72171 -15280 514 180
305911 48814 325 58089 73560 -15472 517 181
303803 49686 331 59291 74952 -15660 520 182
301689 50557 337 60500 76346 -15846 523 183
299570 51429 343 61715 77743 -16029 526 184
297445 52301 349 62935 79144 -16208 528 185
295316 53172 354 64161 80546 -16385 531 186
293181 54044 360 65393 81952 -16559 534 187
291040 54916 366 66631 83361 -16730 537 188
288895 55787 372 67875 84772 -16898 540 189
286744 56659 378 69124 86187 -17063 543 190
284587 57531 384 70379 87604 -17225 546 191
282425 58402 389 71640 89024 -17384 548 192
280258 59274 395 72907 90447 -17540 551 193
278086 60146 401 74180 91873 -17693 554 194
275908 61017 407 75458 93302 -17844 557 195
273724 61889 413 76742 94733 -17991 560 196
271536 62761 418 78033 96168 -18135 563 197
269341 63632 424 79328 97605 -18277 566 198
267142 64504 430 80630 99046 -18416 569 199
264936 65376 436 81938 100489 -18551 572 200
262726 66247 442 83251 101935 -18684 575 201
260510 67119 447 84570 103384 -18814 577 202
258288 67991 453 85895 104836 -18941 580 203
256061 68862 459 87226 106291 -19066 583 204
253828 69734 465 88562 107749 -19187 586 205
251589 70606 471 89905 109210 -19306 589 206
249345 71478 477 91253 110674 -19421 592 207
247096 72349 482 92607 112141 -19534 595 208
244841 73221 488 93967 113611 -19644 598 209
242580 74093 494 95332 115083 -19751 601 210
240314 74964 500 96704 116559 -19855 604 211
238042 75836 506 98081 118038 -19957 607 212
235764 76708 511 99464 119519 -20055 610 213
233480 77579 517 100853 121004 -20151 613 215
231191 78451 523 102248 122492 -20244 616 216
228897 79323 529 103648 123982 -20334 619 217
226596 80194 535 105055 125476 -20421 622 218
224290 81066 540 106467 126972 -20506 625 219
221978 81938 546 107885 128472 -20587 628 220
219660 82809 552 109308 129975 -20666 631 221
217337 83681 558 110738 131480 -20742 634 222
215008 84553 564 112173 132989 -20816 637 223
212672 85424 569 113614 134501 -20886 640 224
210332 86296 575 115061 136015 -20954 643 225
207985 87168 581 116514 137533 -21019 646 226
205632 88039 587 117973 139054 -21081 649 227
203274 88911 593 119437 140578 -21141 652 228
200910 89783 599 120907 142105 -21197 655 229
198539 90654 604 122383 143635 -21251 658 230
196163 91526 610 123865 145168 -21303 661 231
193781 92398 616 125353 146704 -21351 664 233
191393 93269 622 126846 148243 -21397 668 234
188999 94141 628 128346 149786 -21440 671 235
186599 95013 633 129851 151331 -21480 674 236
184194 95884 639 131362 152879 -21518 677 237
181782 96756 645 132878 154431 -21552 680 238
179364 97628 651 134401 155986 -21585 683 239
176940 98500 657 135929 157543 -21614 686 240
174510 99371 662 137463 159104 -21641 689 241
172074 100243 668 139003 160668 -21665 692 242
169632 101115 674 140549 162235 -21686 695 243
167184 101986 680 142101 163806 -21705 699 245
164730 102858 686 143658 165379 -21721 702 246
162269 103730 692 145221 166956 -21734 705 247
159803 104601 697 146790 168535 -21745 708 248
157330 105473 703 148365 170118 -21753 711 249
154852 106345 709 149946 171704 -21758 714 250
152367 107216 715 151532 173293 -21761 717 251
149876 108088 721 153125 174885 -21761 721 252
147378 108960 726 154723 176481 -21758 724 253
144875 109831 732 156327 178080 -21753 727 254
142365 110703 738 157936 179681 -21745 730 256
139849 111575 744 159552 181286 -21735 733 257
137327 112446 750 161173 182895 -21721 737 258
134798 113318 755 162800 184506 -21706 740 259
132263 114190 761 164433 186121 -21687 743 260
129722 115061 767 166072 187738 -21666 746 261
127174 115933 773 167716 189359 -21643 749 262
124620 116805 779 169367 190984 -21617 753 263
122060 117676 785 171023 192611 -21588 756 265
119494 118548 790 172685 194242 -21557 759 266
116921 119420 796 174353 195876 -21523 762 267
114341 120291 802 176026 197513 -21486 765 268
111755 121163 808 177706 199153 -21447 769 269
109163 122035 814 179391 200797 -21406 772 270
106564 122906 819 181082 202444 -21361 775 271
103959 123778 825 182779 204094 -21315 778 272
101347 124650 831 184482 205747 -21265 782 274
98729 125522 837 186190 207404 -21214 785 275
96104 126393 843 187905 209064 -21159 788 276
93473 127265 848 189625 210727 -21102 792 277
90835 128137 854 191351 212394 -21043 795 278
88191 129008 860 193082 214063 -20981 798 279
85540 129880 866 194820 215736 -20917 801 280
82882 130752 872 196563 217413 -20850 805 282
80218 131623 877 198312 219093 -20780 808 283
77547 132495 883 200067 220776 -20708 811 284
74870 133367 889 201828 222462 -20634 815 285
72185 134238 895 203595 224152 -20557 818 286
69494 135110 901 205367 225844 -20477 821 287
66797 135982 907 207145 227541 -20395 825 289
64093 136853 912 208929 229240 -20311 828 290
61382 137725 918 210719 230943 -20224 831 291
58664 138597 924 212515 232650 -20135 835 292
55939 139468 930 214316 234359 -20043 838 293
53208 140340 936 216124 236072 -19949 841 294
50470 141212 941 217937 237789 -19852 845 296
47725 142083 947 219756 239509 -19753 848 297
44973 142955 953 221580 241232 -19652 851 298
42214 143827 959 223411 242958 -19548 855 299
39449 144698 965 225247 244688 -19441 858 300
36676 145570 970 227089 246422 -19332 862 302
33897 146442 976 228937 248158 -19221 865 303
31111 147313 982 230791 249898 -19107 868 304
28318 148185 988 232651 251642 -18991 872 305
25517 149057 994 234516 253389 -18873 875 306
22710 149928 1000 236387 255139 -18752 879 308
19896 150800 1005 238264 256893 -18629 882 309
17075 151672 1011 240147 258650 -18503 886 310
14247 152543 1017 242036 260411 -18375 889 311
11412 153415 1023 243930 262175 -18245 892 312
8569 154287 1029 245830 263942 -18112 896 314
5720 155159 1034 247736 265713 -17977 899 315
2864 156030 1040 249648 267488 -17839 903 316
0 156902 1046 251566 269266 -17700 906 317
154903 1033 250600 268176 -17577 910 318
152904 1019 249620 267083 -17463 906 317
150905 1006 248627 265987 -17360 902 316
148906 993 247621 264886 -17265 899 315
146907 979 246601 263782 -17181 895 313
144908 966 245568 262674 -17106 891 312
142909 953 244522 261563 -17041 887 311
140910 939 243462 260447 -16985 884 309
138911 926 242389 259328 -16939 880 308
136912 913 241303 258205 -16902 876 307
134913 899 240203 257078 -16875 872 305
132914 886 239090 255948 -16857 868 304
130915 873 237964 254813 -16849 865 303
128916 859 236825 253675 -16851 861 301
126917 846 235672 252533 -16862 857 300
124918 833 234505 251387 -16882 853 299
122919 819 233326 250238 -16912 849 297
120920 806 232133 249084 -16951 845 296
118920 793 230927 247927 -17000 841 295
116921 779 229707 246765 -17058 838 293
114922 766 228474 245600 -17125 834 292
112923 753 227228 244430 -17202 830 290
110924 739 225969 243257 -17289 826 289
108925 726 224696 242080 -17384 822 288
106926 713 223410 240899 -17489 818 286
104927 700 222110 239714 -17603 814 285
102928 686 220797 238524 -17727 810 283
100929 673 219471 237331 -17860 806 282
98930 660 218132 236134 -18002 802 281
96931 646 216779 234933 -18154 798 279
94932 633 215413 233727 -18315 794 278
92933 620 214033 232518 -18485 790 276
90934 606 212640 231304 -18664 786 275
88935 593 211234 230087 -18852 781 273
86936 580 209815 228865 -19050 777 272
84937 566 208382 227639 -19257 773 271
82938 553 206936 226409 -19473 769 269
80939 540 205477 225175 -19699 765 268
78940 526 204004 223937 -19933 761 266
76941 513 202518 222694 -20177 757 265
74942 500 201018 221448 -20429 752 263
72943 486 199506 220197 -20691 748 262
70944 473 197980 218942 -20962 744 260
68945 460 196440 217682 -21242 740 259
66946 446 194887 216419 -21531 735 257
64947 433 193321 215151 -21829 731 256
62948 420 191742 213879 -22137 727 254
 60949 406 190149 212602 -22453 723 253
58950 393 188543 211321 -22778 718 251
56951 380 186924 210036 -23112 714 250
54952 366 185291 208747 -23456 710 248
52953 353 183645 207453 -23808 705 247
50954 340 181986 206155 -24169 701 245
48955 326 180313 204852 -24539 696 244
46956 313 178627 203545 -24918 692 242
44957 300 176928 202234 -25306 688 241
42958 286 175215 200918 -25703 683 239
40959 273 173489 199598 -26108 679 238
38960 260 171750 198273 -26523 674 236
36961 246 169998 196944 -26946 670 234
34962 233 168232 195610 -27379 665 233
32963 220 166452 194272 -27820 661 231
30964 206 164660 192929 -28270 656 230
28965 193 162854 191582 -28728 652 228
26966 180 161035 190230 -29196 647 227
24967 166 159202 188874 -29672 643 225
22968 153 157356 187513 -30157 638 223
20969 140 155497 186148 -30651 633 222
18969 126 153624 184777 -31153 629 220
16970 113 151738 183403 -31664 624 218
14971 100 149839 182023 -32184 620 217
12972 86 147927 180639 -32712 615 215
10973 73 146001 179250 -33250 610 214
8974 60 144062 177857 -33795 606 212
6975 47 142109 176459 -34350 601 210
4976 33 140143 175056 -34913 596 209
2977 20 138164 173648 -35484 591 207
978 7 136172 172236 -36064 587 205
-1021 -7 134166 170819 -36653 582 204
-3020 -20 132147 169397 -37250 577 202
-5019 -33 130114 167970 -37856 572 200
-7018 -47 128068 166538 -38470 567 199
-9017 -60 126009 165102 -39093 563 197
-11016 -73 123937 163661 -39724 558 195
-13015 -87 121851 162215 -40364 553 194
-15014 -100 119752 160764 -41012 548 192
-17013 -113 117639 159308 -41668 543 190
-19012 -127 115514 157847 -42333 538 188
-21011 -140 113374 156381 -43007 533 187
-23010 -153 111222 154910 -43688 528 185
-25009 -167 109056 153435 -44378 523 183
-27008 -180 106877 151954 -45077 518 181
-29007 -193 104685 150468 -45784 513 180
-31006 -207 102479 148978 -46499 508 178
-33005 -220 100260 147482 -47222 503 176
-35004 -233 98028 145981 -47954 498 174
 -37003 -247 95782 144475 -48693 493 173
-39002 -260 93523 142964 -49442 488 171
-41001 -273 91251 141448 -50198 483 169
-43000 -287 88965 139927 -50962 478 167
-44999 -300 86666 138401 -51735 473 165
-46998 -313 84354 136870 -52516 468 164
-48997 -327 82028 135333 -53305 462 162
-50996 -340 79689 133791 -54102 457 160
-52995 -353 77337 132244 -54907 452 158
-54994 -367 74971 130692 -55721 447 156
-56993 -380 72592 129134 -56542 442 155
-58992 -393 70200 127572 -57372 436 153
-60991 -407 67794 126003 -58209 431 151
-62990 -420 65375 124430 -59055 426 149
-64989 -433 62943 122851 -59909 420 147
-66988 -447 60497 121268 -60770 415 145
-68987 -460 58038 119678 -61640 410 143
-70986 -473 55566 118083 -62518 404 142
-72985 -487 53080 116483 -63403 399 140
-74984 -500 50581 114878 -64296 394 138
-76983 -513 48069 113267 -65198 388 136
-78983 -527 45544 111651 -66107 383 134
-80982 -540 43005 110029 -67024 377 132
-82981 -553 40453 108401 -67949 372 130
-84980 -567 37887 106769 -68882 366 128
-86979 -580 35308 105130 -69822 361 126
-88978 -593 32716 103486 -70771 355 124
-90977 -607 30110 101837 -71727 350 122
-92976 -620 27491 100182 -72691 344 120
-94975 -633 24859 98521 -73662 338 118
-96974 -646 22214 96855 -74642 333 116
-98973 -660 19555 95184 -75629 327 115
-100972 -673 16883 93506 -76623 322 113
-102971 -686 14197 91823 -77626 316 111
-104970 -700 11498 90134 -78636 310 109
-106969 -713 8786 88440 -79653 305 107
-108968 -726 6061 86739 -80678 299 105
-110967 -740 3322 85033 -81711 293 103
-112966 -753 570 83322 -82752 287 101
-114965 -766 -2196 81604 -83800 281 99
-116964 -780 -4974 79881 -84855 276 96
-118963 -793 -7766 78152 -85918 270 94
-120962 -806 -10572 76417 -86988 264 92
-122961 -820 -13391 74676 -88066 258 90
-124960 -833 -16223 72929 -89152 252 88
-126959 -846 -19068 71176 -90244 246 86
-128958 -860 -21927 69418 -91345 240 84
-130957 -873 -24799 67653 -92452 235 82
-132956 -886 -27684 65883 -93567 229 80
-134955 -900 -30583 64106 -94689 223 78
-136954 -913 -33495 62324 -95819 217 76
-138953 -926 -36420 60535 -96956 211 74
-140952 -940 -39359 58741 -98100 205 72
-142951 -953 -42311 56940 -99252 198 69
-144950 -966 -45277 55134 -100410 192 67
-146949 -980 -48255 53321 -101576 186 65
-148948 -993 -51247 51502 -102749 180 63
-150947 -1006 -54253 49677 -103930 174 61
-152946 -1020 -57271 47846 -105117 168 59
-154945 -1033 -60303 46008 -106312 162 57
-156944 -1046 -63349 44165 -107513 155 54
-158943 -1060 -66407 42315 -108722 149 52
-160942 -1073 -69479 40459 -109938 143 50
-162941 -1086 -72564 38597 -111161 137 48
-164940 -1100 -75663 36728 -112391 130 46
-166939 -1113 -78775 34853 -113628 124 43
-168938 -1126 -81900 32972 -114872 118 41
-170937 -1140 -85039 31084 -116123 111 39
-172936 -1153 -88191 29190 -117381 105 37
-174935 -1166 -91356 27290 -118646 99 35
-176934 -1180 -94535 25383 -119918 92 32
-178934 -1193 -97727 23470 -121196 86 30
-180933 -1206 -100932 21550 -122482 79 28
-182932 -1220 -104150 19624 -123774 73 25
-184931 -1233 -107382 17691 -125073 66 23
-186930 -1246 -110627 15752 -126379 60 21
-188929 -1260 -113886 13806 -127692 53 19
-190928 -1273 -117158 11854 -129011 47 16
-192927 -1286 -120443 9895 -130338 40 14
-194926 -1300 -123742 7929 -131671 33 12
-196925 -1313 -127053 5957 -133010 27 9
-198924 -1326 -130379 3978 -134356 20 7
-200923 -1339 -133717 1992 -135709 13 5
-202922 -1353 -137069 0 -137069 7 2
 520000 624000

Tax break 35.0% 5.95% 925000

Cap gains 23.8% 875,000 301000

9 40
65
1560 2600
Tax savings on 30yr plan

Tax saving
Tax saving cumulative Portfolio value 30yr plan
Cumulative Tax saving cumulative return post- (tax savings + profit over Pressent
tax savings return return tax returns) 15yr plan Value

129 1 1 1 130 (233) (231.88)

259 2 3 2 261 (462) (455.94)
390 3 5 4 394 (686) (672.32)
522 3 9 7 529 (905) (881.13)
655 4 13 10 665 (1,119) (1,082.49)
789 5 18 14 802 (1,328) (1,276.52)
923 6 24 19 942 (1,533) (1,463.34)
1059 7 32 24 1083 (1,733) (1,643.06)
1195 8 39 30 1225 (1,928) (1,815.80)
1332 9 48 37 1369 (2,118) (1,981.68)
1471 10 58 44 1515 (2,303) (2,140.80)
1610 11 69 52 1662 (2,484) (2,293.27)
1750 12 81 61 1811 (2,659) (2,439.20)
1891 13 93 71 1962 (2,830) (2,578.71)
2033 14 107 81 2114 (2,996) (2,711.89)
2175 15 121 92 2268 (3,157) (2,838.85)
2319 15 137 104 2423 (3,314) (2,959.70)
2464 16 153 117 2580 (3,465) (3,074.54)
2609 17 170 130 2739 (3,612) (3,183.47)
2756 18 189 144 2900 (3,754) (3,286.59)
2903 19 208 159 3062 (3,891) (3,383.99)
3052 20 229 174 3226 (4,023) (3,475.79)
3201 21 250 190 3391 (4,150) (3,562.06)
3351 22 272 207 3559 (4,273) (3,642.91)
3502 23 296 225 3728 (4,390) (3,718.44)
3654 24 320 244 3898 (4,503) (3,788.73)
3807 25 345 263 4071 (4,611) (3,853.87)
3961 26 372 283 4245 (4,714) (3,913.96)
4116 27 399 304 4421 (4,813) (3,969.09)
4272 28 428 326 4598 (4,906) (4,019.34)
4429 30 457 348 4777 (4,995) (4,064.80)
 4587 31 488 372 4958 (5,078) (4,105.56)
4745 32 519 396 5141 (5,157) (4,141.70)
4905 33 552 421 5326 (5,231) (4,173.30)
5066 34 586 446 5512 (5,300) (4,200.46)
5227 35 621 473 5700 (5,365) (4,223.24)
5390 36 657 500 5890 (5,424) (4,241.74)
5553 37 694 529 6082 (5,478) (4,256.02)
5718 38 732 558 6275 (5,528) (4,266.18)
5883 39 771 588 6471 (5,573) (4,272.28)
6049 40 811 618 6668 (5,613) (4,274.41)
6217 41 853 650 6867 (5,648) (4,272.63)
6385 43 895 682 7067 (5,678) (4,267.03)
6554 44 939 716 7270 (5,704) (4,257.67)
6724 45 984 750 7474 (5,724) (4,244.64)
6896 46 1030 785 7680 (5,740) (4,228.00)
7068 47 1077 821 7888 (5,750) (4,207.82)
7241 48 1125 857 8098 (5,756) (4,184.17)
7415 49 1175 895 8310 (5,757) (4,157.12)
7590 51 1225 934 8524 (5,753) (4,126.75)
7766 52 1277 973 8739 (5,744) (4,093.11)
7943 53 1330 1013 8957 (5,730) (4,056.27)
8121 54 1384 1055 9176 (5,712) (4,016.31)
8300 55 1439 1097 9397 (5,688) (3,973.27)
8480 57 1496 1140 9620 (5,660) (3,927.24)
8661 58 1554 1184 9845 (5,626) (3,878.26)
8843 59 1613 1229 10072 (5,588) (3,826.41)
9026 60 1673 1275 10301 (5,545) (3,771.73)
9210 61 1734 1322 10532 (5,497) (3,714.31)
9395 63 1797 1369 10764 (5,444) (3,654.18)
9581 64 1861 1418 10999 (5,386) (3,591.42)
9768 65 1926 1468 11235 (5,324) (3,526.08)
9956 66 1992 1518 11474 (5,256) (3,458.21)
10145 68 2060 1570 11714 (5,183) (3,387.88)
10335 69 2129 1622 11957 (5,106) (3,315.14)
10526 70 2199 1676 12201 (5,023) (3,240.04)
10718 71 2270 1730 12448 (4,936) (3,162.65)
10911 73 2343 1786 12696 (4,844) (3,083.00)
11105 74 2417 1842 12946 (4,747) (3,001.16)
11300 75 2493 1899 13199 (4,645) (2,917.17)
11496 77 2569 1958 13453 (4,538) (2,831.09)
11693 78 2647 2017 13710 (4,426) (2,742.97)
11891 79 2726 2078 13968 (4,309) (2,652.86)
12090 81 2807 2139 14229 (4,187) (2,560.81)
12290 82 2889 2201 14491 (4,060) (2,466.86)
12491 83 2972 2265 14756 (3,929) (2,371.07)
12693 85 3057 2329 15022 (3,792) (2,273.47)
12896 86 3143 2395 15291 (3,651) (2,174.13)
13100 87 3230 2461 15562 (3,504) (2,073.07)
13305 89 3319 2529 15834 (3,353) (1,970.36)
13512 90 3409 2598 16109 (3,196) (1,866.03)
13719 91 3500 2667 16386 (3,035) (1,760.12)
13927 93 3593 2738 16665 (2,869) (1,652.69)
14136 94 3687 2810 16946 (2,698) (1,543.76)
14347 96 3783 2883 17230 (2,521) (1,433.39)
14558 97 3880 2957 17515 (2,340) (1,321.62)
14771 98 3979 3032 17802 (2,154) (1,208.49)
14984 100 4079 3108 18092 (1,963) (1,094.03)
15199 101 4180 3185 18384 (1,767) (978.29)
15414 103 4283 3263 18678 (1,566) (861.30)
15631 104 4387 3343 18974 (1,360) (743.11)
15849 106 4492 3423 19272 (1,149) (623.75)
16067 107 4600 3505 19572 (934) (503.26)
16287 109 4708 3588 19875 (713) (381.68)
16508 110 4818 3671 20179 (487) (259.04)
16730 112 4930 3756 20486 (256) (135.38)
16953 113 5043 3843 20795 (20) (10.73)
17177 115 5157 3930 21107 220 114.87
17402 116 5273 4018 21420 466 241.38
17628 118 5391 4108 21736 717 368.78
17855 119 5510 4198 22054 972 497.03
18083 121 5630 4290 22374 1,233 626.10
18313 122 5752 4383 22696 1,499 755.95
18543 124 5876 4478 23021 1,769 886.56
18775 125 6001 4573 23348 2,045 1,017.89
19007 127 6128 4670 23677 2,326 1,149.91
19241 128 6256 4767 24008 2,611 1,282.60
19476 130 6386 4866 24342 2,902 1,415.91
19711 131 6517 4966 24678 3,198 1,549.83
19948 133 6650 5068 25016 3,498 1,684.33
20186 135 6785 5170 25356 3,804 1,819.36
20425 136 6921 5274 25699 4,115 1,954.92
20665 138 7059 5379 26044 4,430 2,090.96
20907 139 7198 5485 26392 4,751 2,227.47
21149 141 7339 5593 26741 5,077 2,364.42
21392 143 7482 5701 27094 5,407 2,501.77
21637 144 7626 5811 27448 5,743 2,639.51
21882 146 7772 5922 27805 6,084 2,777.61
22129 148 7920 6035 28164 6,430 2,916.04
22377 149 8069 6148 28525 6,781 3,054.78
22626 151 8220 6263 28889 7,136 3,193.81
22876 153 8372 6380 29255 7,497 3,333.10
23127 154 8526 6497 29624 7,863 3,472.63
23379 156 8682 6616 29995 8,234 3,612.37
23632 158 8840 6736 30368 8,610 3,752.30
23887 159 8999 6857 30744 8,991 3,892.40
24142 161 9160 6980 31122 9,377 4,032.66
24399 163 9323 7104 31503 9,768 4,173.03
24657 164 9487 7229 31886 10,164 4,313.52
24916 166 9653 7356 32271 10,566 4,454.09
25176 168 9821 7484 32659 10,972 4,594.72
25437 170 9991 7613 33050 11,383 4,735.40
25699 171 10162 7743 33443 11,800 4,876.10
25963 173 10335 7875 33838 12,221 5,016.81
26227 175 10510 8008 34236 12,648 5,157.51
26493 177 10686 8143 34636 13,079 5,298.17
26760 178 10865 8279 35039 13,516 5,438.78
27027 180 11045 8416 35444 13,957 5,579.32
27296 182 11227 8555 35851 14,404 5,719.78
27567 184 11411 8695 36262 14,856 5,860.13
27838 186 11596 8836 36674 15,313 6,000.36
28110 187 11784 8979 37090 15,775 6,140.46
28384 189 11973 9123 37507 16,242 6,280.39
28659 191 12164 9269 37928 16,714 6,420.16
28935 193 12357 9416 38351 17,191 6,559.74
29212 195 12552 9564 38776 17,674 6,699.12
29490 197 12748 9714 39204 18,161 6,838.28
29769 198 12947 9865 39635 18,654 6,977.21
30050 200 13147 10018 40068 19,151 7,115.89
30331 202 13349 10172 40504 19,654 7,254.31
30614 204 13553 10328 40942 20,162 7,392.46
30898 206 13759 10485 41383 20,675 7,530.31
31183 208 13967 10643 41826 21,193 7,667.87
31470 210 14177 10803 42273 21,716 7,805.10
31757 212 14389 10964 42721 22,244 7,942.01
32046 214 14602 11127 43173 22,777 8,078.57
32335 216 14818 11291 43627 23,316 8,214.77
32626 218 15035 11457 44083 23,859 8,350.61
32919 219 15255 11624 44543 24,408 8,486.07
33212 221 15476 11793 45005 24,962 8,621.14
33506 223 15700 11963 45470 25,521 8,755.81
33802 225 15925 12135 45937 26,085 8,890.06
34099 227 16152 12308 46407 26,654 9,023.88
34397 229 16382 12483 46880 27,228 9,157.27
34696 231 16613 12659 47355 27,808 9,290.21
34996 233 16846 12837 47833 28,392 9,422.69
35298 235 17082 13016 48314 28,982 9,554.71
35601 237 17319 13197 48798 29,577 9,686.24
35905 239 17558 13379 49284 30,177 9,817.29
36210 241 17800 13563 49773 30,782 9,947.84
36516 243 18043 13749 50265 31,392 10,077.89
36824 245 18289 13936 50760 32,008 10,207.42
37133 248 18536 14125 51257 32,628 10,336.43
37442 250 18786 14315 51757 33,254 10,464.90
37754 252 19038 14507 52260 33,885 10,592.83
38066 254 19291 14700 52766 34,521 10,720.21
38379 256 19547 14895 53274 35,162 10,847.03
38694 258 19805 15091 53786 35,809 10,973.28
39010 260 20065 15290 54300 36,460 11,098.96
39327 262 20327 15489 54817 37,117 11,224.06
39646 264 20592 15691 55337 37,760 11,342.83
39963 266 20858 15894 55857 38,393 11,456.74
40279 269 21127 16098 56377 39,018 11,565.88
40593 271 21397 16305 56898 39,632 11,670.34
40906 273 21670 16512 57419 40,238 11,770.17
41218 275 21945 16722 57940 40,834 11,865.46
41529 277 22222 16933 58462 41,421 11,956.29
41838 279 22501 17145 58983 41,999 12,042.72
42146 281 22781 17359 59506 42,567 12,124.83
42453 283 23064 17575 60028 43,126 12,202.69
42758 285 23350 17792 60550 43,675 12,276.37
43062 287 23637 18011 61073 44,216 12,345.94
43365 289 23926 18231 61596 44,747 12,411.47
43666 291 24217 18453 62119 45,268 12,473.02
43966 293 24510 18677 62642 45,781 12,530.67
44264 295 24805 18901 63166 46,284 12,584.48
44562 297 25102 19128 63690 46,778 12,634.51
44858 299 25401 19356 64213 47,262 12,680.84
45152 301 25702 19585 64737 47,737 12,723.51
45445 303 26005 19816 65261 48,203 12,762.61
45737 305 26310 20048 65785 48,660 12,798.19
46027 307 26617 20282 66310 49,107 12,830.30
46316 309 26926 20517 66834 49,545 12,859.02
46604 311 27236 20754 67358 49,974 12,884.40
46890 313 27549 20992 67883 50,394 12,906.51
47175 315 27863 21232 68407 50,804 12,925.39
47459 316 28180 21473 68932 51,205 12,941.11
47741 318 28498 21716 69456 51,596 12,953.72
48021 320 28818 21960 69981 51,979 12,963.28
48300 322 29140 22205 70505 52,352 12,969.85
48578 324 29464 22452 71030 52,715 12,973.49
48855 326 29790 22700 71554 53,070 12,974.23
49130 328 30117 22949 72079 53,415 12,972.15
49403 329 30447 23200 72603 53,751 12,967.29
49675 331 30778 23453 73128 54,078 12,959.70
49946 333 31111 23706 73652 54,395 12,949.43
50215 335 31446 23962 74176 54,703 12,936.54
50483 337 31782 24218 74701 55,002 12,921.08
50749 338 32121 24476 75225 55,292 12,903.10
51014 340 32461 24735 75749 55,572 12,882.63
51277 342 32802 24995 76272 55,843 12,859.74
51539 344 33146 25257 76796 56,105 12,834.47
51799 345 33491 25520 77320 56,357 12,806.87
52058 347 33838 25785 77843 56,601 12,776.98
52315 349 34187 26051 78366 56,835 12,744.85
52571 350 34538 26318 78889 57,060 12,710.53
52826 352 34890 26586 79412 57,275 12,674.05
53079 354 35244 26856 79934 57,482 12,635.47
53330 356 35599 27127 80457 57,679 12,594.82
53580 357 35956 27399 80979 57,866 12,552.15
53828 359 36315 27672 81500 58,045 12,507.50
54075 361 36676 27947 82022 58,214 12,460.91
54320 362 37038 28223 82543 58,374 12,412.43
54564 364 37402 28500 83064 58,525 12,362.09
54806 365 37767 28778 83585 58,667 12,309.94
55047 367 38134 29058 84105 58,799 12,256.01
55286 369 38503 29339 84625 58,922 12,200.35
55524 370 38873 29621 85145 59,036 12,142.98
55760 372 39244 29904 85664 59,141 12,083.95
55994 373 39618 30189 86183 59,236 12,023.30
56227 375 39993 30474 86701 59,323 11,961.07
56458 376 40369 30761 87220 59,400 11,897.28
56688 378 40747 31049 87737 59,467 11,831.98
56916 379 41126 31338 88254 59,526 11,765.20
57143 381 41507 31629 88771 59,575 11,696.97
57368 382 41890 31920 89288 59,616 11,627.34
57591 384 42274 32213 89804 59,646 11,556.33
57813 385 42659 32506 90319 59,668 11,483.98
58033 387 43046 32801 90834 59,681 11,410.32
58251 388 43434 33097 91348 59,684 11,335.38
58468 390 43824 33394 91862 59,678 11,259.19
58683 391 44215 33692 92375 59,663 11,181.80
58897 393 44608 33991 92888 59,639 11,103.22
59109 394 45002 34292 93400 59,605 11,023.49
59319 395 45398 34593 93912 59,562 10,942.64
59528 397 45794 34895 94423 59,511 10,860.70
59735 398 46193 35199 94934 59,449 10,777.69
59940 400 46592 35503 95443 59,379 10,693.66
60144 401 46993 35809 95953 59,300 10,608.62
60346 402 47395 36115 96461 59,211 10,522.60
60546 404 47799 36423 96969 59,113 10,435.64
60745 405 48204 36732 97476 59,006 10,347.76
60942 406 48610 37041 97983 58,890 10,258.98
61137 408 49018 37352 98488 58,764 10,169.34
61330 409 49427 37663 98994 58,630 10,078.85
61522 410 49837 37976 99498 58,486 9,987.55
61712 411 50248 38289 100001 58,333 9,895.46
61901 413 50661 38604 100504 58,171 9,802.61
62087 414 51075 38919 101006 58,000 9,709.02
62272 415 51490 39235 101508 57,819 9,614.72
62455 416 51906 39553 102008 57,630 9,519.72
62637 418 52324 39871 102508 57,431 9,424.05
62816 419 52743 40190 103006 57,223 9,327.75
62994 420 53163 40510 103504 57,006 9,230.82
63170 421 53584 40831 104001 56,779 9,133.29
63345 422 54006 41153 104498 56,544 9,035.18
63517 423 54430 41475 104993 56,299 8,936.52
63688 425 54854 41799 105487 56,046 8,837.33
63857 426 55280 42123 105981 55,783 8,737.63
64025 427 55707 42449 106473 55,511 8,637.44
64190 428 56135 42775 106965 55,230 8,536.78
64354 429 56564 43102 107455 54,939 8,435.66
64516 430 56994 43429 107945 54,640 8,334.12
64676 431 57425 43758 108433 54,331 8,232.17
64834 432 57857 44087 108921 54,014 8,129.83
64990 433 58291 44417 109408 53,687 8,027.11
65145 434 58725 44748 109893 53,351 7,924.05
65297 435 59160 45080 110377 53,005 7,820.65
65448 436 59596 45413 110861 52,651 7,716.93
65597 437 60034 45746 111343 52,288 7,612.92
65744 438 60472 46080 111824 51,915 7,508.62
65890 439 60911 46414 112304 51,534 7,404.06
66033 440 61352 46750 112783 51,143 7,299.26
66174 441 61793 47086 113261 50,743 7,194.22
66314 442 62235 47423 113737 50,334 7,088.98
66452 443 62678 47761 114212 49,916 6,983.54
66588 444 63122 48099 114686 49,489 6,877.91
66722 445 63567 48438 115159 49,052 6,772.12
66854 446 64012 48777 115631 48,607 6,666.19
66984 447 64459 49118 116101 48,152 6,560.11
67112 447 64906 49459 116570 47,689 6,453.92
67238 448 65354 49800 117038 47,216 6,347.63
67362 449 65804 50142 117505 46,734 6,241.24
67485 450 66253 50485 117970 46,243 6,134.78
67605 451 66704 50829 118434 45,743 6,028.26
67724 451 67156 51173 118896 45,234 5,921.68
67840 452 67608 51517 119357 44,716 5,815.08
67955 453 68061 51862 119817 44,189 5,708.45
68067 454 68515 52208 120275 43,652 5,601.81
68178 455 68969 52555 120732 43,107 5,495.18
68286 455 69425 52901 121188 42,552 5,388.56
68393 456 69880 53249 121642 41,989 5,281.98
68498 457 70337 53597 122094 41,416 5,175.43
68600 457 70794 53945 122545 40,834 5,068.94
68701 458 71252 54294 122995 40,243 4,962.51
68799 459 71711 54644 123443 39,643 4,856.16
68896 459 72170 54994 123889 39,034 4,749.90
68990 460 72630 55344 124334 38,416 4,643.74
69082 461 73091 55695 124778 37,789 4,537.69
69173 461 73552 56047 125219 37,153 4,431.75
69261 462 74014 56399 125660 36,508 4,325.95
69347 462 74476 56751 126098 35,854 4,220.29
69432 463 74939 57104 126535 35,190 4,114.78
69514 463 75402 57457 126970 34,518 4,009.44
69594 464 75866 57810 127404 33,837 3,904.26
69672 464 76331 58164 127836 33,146 3,799.27
69747 465 76796 58518 128266 32,447 3,694.46
69821 465 77261 58873 128694 31,738 3,589.85
69893 466 77727 59228 129121 31,021 3,485.46
69962 466 78194 59584 129546 30,294 3,381.27
70029 467 78661 59939 129969 29,558 3,277.32
70095 467 79128 60295 130390 28,814 3,173.60
70158 468 79596 60652 130809 28,060 3,070.12
70218 468 80064 61009 131227 27,297 2,966.89
70277 469 80532 61366 131643 26,526 2,863.92
70334 469 81001 61723 132057 25,745 2,761.22
70388 469 81470 62080 132469 24,955 2,658.79
70440 470 81940 62438 132879 24,156 2,556.64
70490 470 82410 62796 133287 23,349 2,454.79
70538 470 82880 63155 133693 22,532 2,353.22
70584 471 83351 63513 134097 21,706 2,251.97
70627 471 83822 63872 134499 20,871 2,151.02
70669 471 84293 64231 134900 20,027 2,050.39
70708 471 84764 64590 135298 19,175 1,950.08
70744 472 85236 64950 135694 18,313 1,850.10
70779 472 85708 65309 136088 17,442 1,750.46
70811 472 86180 65669 136480 16,562 1,651.16
70841 472 86652 66029 136870 15,674 1,552.21
70869 472 87124 66389 137258 14,776 1,453.61
70894 473 87597 66749 137643 13,869 1,355.37
70918 473 88070 67109 138027 12,953 1,257.50
70938 473 88543 67470 138408 12,029 1,160.00
70957 473 89016 67830 138787 11,095 1,062.88
70973 473 89489 68191 139164 10,152 966.14
70987 473 89962 68551 139539 9,201 869.78
70999 473 90435 68912 139911 8,240 773.82
71009 473 90909 69273 140281 7,271 678.26
71016 473 91382 69633 140649 6,292 583.09
71020 473 91856 69994 141014 5,305 488.33
71023 473 92329 70355 141377 4,309 393.99
70,000

60,000

50,000

40,000

30,000

20,000

10,000

-
1 10 19 28 37 46 55 64 73 82 91 100 109 118 127 136 145 154 163 172 181 190 199 208 217 226 235 244 253 262 271 280 289 298 307 316 325 334 343
(10,000)

14,000.00
12,000.00
10,000.00
8,000.00
6,000.00
4,000.00
2,000.00
-
(2,000.00) 1 12 23 34 45 56 67 78 89 00 111 22 33 44 55 66 77 88 99 10 21 32 43 54 65 76 87 98 09 20 31 4
1 1 1 1 1 1 1 1 1 2 2 2 2 2 2 2 2 2 3 3 3 3
(4,000.00)
(6,000.00)
80 289 298 307 316 325 334 343 352

4089
30 30
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6 7 8 9 0 1 2 3 30 28
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LOAN AMOUNT 416,000 LOAN AMOUNT 416,000

Interest/ year 4.054% Interest/ year 2.99%

Interest/ month 0.338% Interest/ month 0.249%

Months 360 Months 180
Monthly payment 1,999 Monthly payment 2,871
30 YR PLAN 15YR PLAN

PRINCIPAL COST PRINCIPAL

N Mortgage INT REPAYMENT PRINCIPAL Mortgage INT REPAYMENT
0 416000
1 1,999 1405 594 415406 2,871 1036 1834
2 1,999 1403 596 414811 2,871 1032 1839
3 1,999 1401 598 414213 2,871 1027 1844
4 1,999 1399 600 413613 2,871 1023 1848
5 1,999 1397 602 413012 2,871 1018 1853
6 1,999 1395 604 412408 2,871 1013 1857
7 1,999 1393 606 411802 2,871 1009 1862
8 1,999 1391 608 411194 2,871 1004 1867
9 1,999 1389 610 410585 2,871 999 1871
10 1,999 1387 612 409973 2,871 995 1876
11 1,999 1385 614 409359 2,871 990 1881
12 1,999 1383 616 408743 2,871 985 1885
13 1,999 1381 618 408124 2,871 981 1890
14 1,999 1379 620 407504 2,871 976 1895
15 1,999 1377 622 406882 2,871 971 1899
16 1,999 1375 624 406257 2,871 967 1904
17 1,999 1372 627 405631 2,871 962 1909
18 1,999 1370 629 405002 2,871 957 1914
19 1,999 1368 631 404371 2,871 952 1918
20 1,999 1366 633 403738 2,871 948 1923
21 1,999 1364 635 403103 2,871 943 1928
22 1,999 1362 637 402466 2,871 938 1933
23 1,999 1360 639 401827 2,871 933 1938
24 1,999 1358 642 401185 2,871 928 1942
25 1,999 1355 644 400542 2,871 923 1947
26 1,999 1353 646 399896 2,871 919 1952
27 1,999 1351 648 399248 2,871 914 1957
28 1,999 1349 650 398598 2,871 909 1962
29 1,999 1347 652 397945 2,871 904 1967
30 1,999 1344 655 397290 2,871 899 1972
31 1,999 1342 657 396634 2,871 894 1977
32 1,999 1340 659 395975 2,871 889 1981
33 1,999 1338 661 395313 2,871 884 1986
34 1,999 1336 664 394650 2,871 879 1991
35 1,999 1333 666 393984 2,871 874 1996
36 1,999 1331 668 393316 2,871 869 2001
37 1,999 1329 670 392646 2,871 864 2006
38 1,999 1326 673 391973 2,871 859 2011
39 1,999 1324 675 391298 2,871 854 2016
40 1,999 1322 677 390621 2,871 849 2021
41 1,999 1320 679 389942 2,871 844 2026
42 1,999 1317 682 389260 2,871 839 2031
43 1,999 1315 684 388576 2,871 834 2036
44 1,999 1313 686 387890 2,871 829 2042
45 1,999 1310 689 387201 2,871 824 2047
46 1,999 1308 691 386510 2,871 819 2052
47 1,999 1306 693 385817 2,871 814 2057
48 1,999 1303 696 385122 2,871 809 2062
49 1,999 1301 698 384424 2,871 804 2067
50 1,999 1299 700 383723 2,871 798 2072
51 1,999 1296 703 383021 2,871 793 2077
52 1,999 1294 705 382316 2,871 788 2083
53 1,999 1292 707 381608 2,871 783 2088
54 1,999 1289 710 380898 2,871 778 2093
55 1,999 1287 712 380186 2,871 773 2098
56 1,999 1284 715 379472 2,871 767 2103
57 1,999 1282 717 378755 2,871 762 2109
58 1,999 1280 719 378035 2,871 757 2114
59 1,999 1277 722 377313 2,871 752 2119
60 1,999 1275 724 376589 2,871 746 2124
61 1,999 1272 727 375862 2,871 741 2130
62 1,999 1270 729 375133 2,871 736 2135
63 1,999 1267 732 374401 2,871 730 2140
64 1,999 1265 734 373667 2,871 725 2146
65 1,999 1262 737 372930 2,871 720 2151
66 1,999 1260 739 372191 2,871 714 2156
67 1,999 1257 742 371450 2,871 709 2162
68 1,999 1255 744 370705 2,871 704 2167
69 1,999 1252 747 369959 2,871 698 2173
70 1,999 1250 749 369210 2,871 693 2178
71 1,999 1247 752 368458 2,871 687 2183
72 1,999 1245 754 367704 2,871 682 2189
73 1,999 1242 757 366947 2,871 676 2194
74 1,999 1240 759 366187 2,871 671 2200
75 1,999 1237 762 365426 2,871 665 2205
76 1,999 1235 764 364661 2,871 660 2211
77 1,999 1232 767 363894 2,871 654 2216
78 1,999 1229 770 363124 2,871 649 2222
79 1,999 1227 772 362352 2,871 643 2227
80 1,999 1224 775 361577 2,871 638 2233
 81 1,999 1222 777 360800 2,871 632 2238
82 1,999 1219 780 360020 2,871 627 2244
83 1,999 1216 783 359237 2,871 621 2250
84 1,999 1214 785 358451 2,871 616 2255
85 1,999 1211 788 357663 2,871 610 2261
86 1,999 1208 791 356873 2,871 604 2266
87 1,999 1206 793 356079 2,871 599 2272
88 1,999 1203 796 355283 2,871 593 2278
89 1,999 1200 799 354484 2,871 587 2283
90 1,999 1198 801 353683 2,871 582 2289
91 1,999 1195 804 352879 2,871 576 2295
92 1,999 1192 807 352072 2,871 570 2300
93 1,999 1189 810 351262 2,871 564 2306
94 1,999 1187 812 350450 2,871 559 2312
95 1,999 1184 815 349635 2,871 553 2318
96 1,999 1181 818 348817 2,871 547 2323
97 1,999 1178 821 347996 2,871 541 2329
98 1,999 1176 823 347173 2,871 536 2335
99 1,999 1173 826 346347 2,871 530 2341
100 1,999 1170 829 345518 2,871 524 2347
101 1,999 1167 832 344686 2,871 518 2353
102 1,999 1164 835 343852 2,871 512 2358
103 1,999 1162 837 343014 2,871 506 2364
104 1,999 1159 840 342174 2,871 500 2370
105 1,999 1156 843 341331 2,871 495 2376
106 1,999 1153 846 340485 2,871 489 2382
107 1,999 1150 849 339636 2,871 483 2388
108 1,999 1147 852 338785 2,871 477 2394
109 1,999 1145 854 337930 2,871 471 2400
110 1,999 1142 857 337073 2,871 465 2406
111 1,999 1139 860 336213 2,871 459 2412
112 1,999 1136 863 335350 2,871 453 2418
113 1,999 1133 866 334483 2,871 447 2424
114 1,999 1130 869 333614 2,871 441 2430
115 1,999 1127 872 332742 2,871 435 2436
116 1,999 1124 875 331868 2,871 429 2442
117 1,999 1121 878 330990 2,871 423 2448
118 1,999 1118 881 330109 2,871 416 2454
119 1,999 1115 884 329225 2,871 410 2460
120 1,999 1112 887 328338 2,871 404 2466
121 1,999 1109 890 327448 2,871 398 2473
122 1,999 1106 893 326556 2,871 392 2479
123 1,999 1103 896 325660 2,871 386 2485
124 1,999 1100 899 324761 2,871 380 2491
125 1,999 1097 902 323859 2,871 373 2497
126 1,999 1094 905 322954 2,871 367 2504
127 1,999 1091 908 322046 2,871 361 2510
128 1,999 1088 911 321135 2,871 355 2516
129 1,999 1085 914 320221 2,871 348 2522
130 1,999 1082 917 319304 2,871 342 2529
131 1,999 1079 920 318384 2,871 336 2535
132 1,999 1076 923 317460 2,871 329 2541
133 1,999 1072 927 316534 2,871 323 2548
134 1,999 1069 930 315604 2,871 317 2554
135 1,999 1066 933 314671 2,871 310 2560
136 1,999 1063 936 313735 2,871 304 2567
137 1,999 1060 939 312796 2,871 298 2573
138 1,999 1057 942 311854 2,871 291 2579
139 1,999 1054 945 310908 2,871 285 2586
140 1,999 1050 949 309960 2,871 278 2592
141 1,999 1047 952 309008 2,871 272 2599
142 1,999 1044 955 308053 2,871 265 2605
143 1,999 1041 958 307094 2,871 259 2612
144 1,999 1037 962 306133 2,871 252 2618
145 1,999 1034 965 305168 2,871 246 2625
146 1,999 1031 968 304200 2,871 239 2631
147 1,999 1028 971 303229 2,871 233 2638
148 1,999 1024 975 302254 2,871 226 2644
149 1,999 1021 978 301276 2,871 220 2651
150 1,999 1018 981 300295 2,871 213 2658
151 1,999 1014 985 299310 2,871 206 2664
152 1,999 1011 988 298323 2,871 200 2671
153 1,999 1008 991 297331 2,871 193 2678
154 1,999 1004 995 296337 2,871 187 2684
155 1,999 1001 998 295339 2,871 180 2691
156 1,999 998 1001 294338 2,871 173 2698
157 1,999 994 1005 293333 2,871 166 2704
158 1,999 991 1008 292325 2,871 160 2711
159 1,999 988 1011 291314 2,871 153 2718
160 1,999 984 1015 290299 2,871 146 2725
161 1,999 981 1018 289280 2,871 139 2731
162 1,999 977 1022 288259 2,871 133 2738
163 1,999 974 1025 287233 2,871 126 2745
164 1,999 970 1029 286205 2,871 119 2752
165 1,999 967 1032 285173 2,871 112 2759
166 1,999 963 1036 284137 2,871 105 2766
167 1,999 960 1039 283098 2,871 98 2772
168 1,999 956 1043 282055 2,871 91 2779
169 1,999 953 1046 281009 2,871 84 2786
170 1,999 949 1050 279960 2,871 78 2793
171 1,999 946 1053 278906 2,871 71 2800
172 1,999 942 1057 277849 2,871 64 2807
173 1,999 939 1060 276789 2,871 57 2814
174 1,999 935 1064 275725 2,871 50 2821
175 1,999 931 1068 274658 2,871 43 2828
176 1,999 928 1071 273587 2,871 35 2835
177 1,999 924 1075 272512 2,871 28 2842
178 1,999 921 1078 271433 2,871 21 2849
179 1,999 917 1082 270351 2,871 14 2856
180 1,999 913 1086 269266 2,871 7 2864
181 1,999 910 1089 268176
182 1,999 906 1093 267083
183 1,999 902 1097 265987
184 1,999 899 1100 264886
185 1,999 895 1104 263782
186 1,999 891 1108 262674
187 1,999 887 1112 261563
188 1,999 884 1115 260447
189 1,999 880 1119 259328
190 1,999 876 1123 258205
191 1,999 872 1127 257078
192 1,999 868 1131 255948
193 1,999 865 1134 254813
194 1,999 861 1138 253675
195 1,999 857 1142 252533
196 1,999 853 1146 251387
197 1,999 849 1150 250238
198 1,999 845 1154 249084
199 1,999 841 1158 247927
200 1,999 838 1161 246765
201 1,999 834 1165 245600
202 1,999 830 1169 244430
203 1,999 826 1173 243257
204 1,999 822 1177 242080
205 1,999 818 1181 240899
206 1,999 814 1185 239714
207 1,999 810 1189 238524
208 1,999 806 1193 237331
209 1,999 802 1197 236134
210 1,999 798 1201 234933
211 1,999 794 1205 233727
212 1,999 790 1209 232518
213 1,999 786 1213 231304
214 1,999 781 1218 230087
215 1,999 777 1222 228865
216 1,999 773 1226 227639
217 1,999 769 1230 226409
218 1,999 765 1234 225175
219 1,999 761 1238 223937
220 1,999 757 1242 222694
221 1,999 752 1247 221448
222 1,999 748 1251 220197
223 1,999 744 1255 218942
224 1,999 740 1259 217682
225 1,999 735 1264 216419
226 1,999 731 1268 215151
227 1,999 727 1272 213879
228 1,999 723 1276 212602
229 1,999 718 1281 211321
230 1,999 714 1285 210036
231 1,999 710 1289 208747
232 1,999 705 1294 207453
233 1,999 701 1298 206155
234 1,999 696 1303 204852
235 1,999 692 1307 203545
236 1,999 688 1311 202234
237 1,999 683 1316 200918
238 1,999 679 1320 199598
239 1,999 674 1325 198273
240 1,999 670 1329 196944
241 1,999 665 1334 195610
242 1,999 661 1338 194272
243 1,999 656 1343 192929
244 1,999 652 1347 191582
245 1,999 647 1352 190230
246 1,999 643 1356 188874
247 1,999 638 1361 187513
248 1,999 633 1366 186148
249 1,999 629 1370 184777
250 1,999 624 1375 183403
251 1,999 620 1379 182023
252 1,999 615 1384 180639
253 1,999 610 1389 179250
254 1,999 606 1393 177857
255 1,999 601 1398 176459
256 1,999 596 1403 175056
257 1,999 591 1408 173648
258 1,999 587 1412 172236
259 1,999 582 1417 170819
260 1,999 577 1422 169397
261 1,999 572 1427 167970
262 1,999 567 1432 166538
263 1,999 563 1436 165102
264 1,999 558 1441 163661
265 1,999 553 1446 162215
266 1,999 548 1451 160764
267 1,999 543 1456 159308
268 1,999 538 1461 157847
269 1,999 533 1466 156381
270 1,999 528 1471 154910
271 1,999 523 1476 153435
272 1,999 518 1481 151954
273 1,999 513 1486 150468
274 1,999 508 1491 148978
275 1,999 503 1496 147482
276 1,999 498 1501 145981
277 1,999 493 1506 144475
278 1,999 488 1511 142964
279 1,999 483 1516 141448
280 1,999 478 1521 139927
281 1,999 473 1526 138401
282 1,999 468 1531 136870
283 1,999 462 1537 135333
284 1,999 457 1542 133791
285 1,999 452 1547 132244
286 1,999 447 1552 130692
287 1,999 442 1557 129134
288 1,999 436 1563 127572
289 1,999 431 1568 126003
290 1,999 426 1573 124430
291 1,999 420 1579 122851
292 1,999 415 1584 121268
293 1,999 410 1589 119678
294 1,999 404 1595 118083
295 1,999 399 1600 116483
296 1,999 394 1606 114878
297 1,999 388 1611 113267
298 1,999 383 1616 111651
299 1,999 377 1622 110029
300 1,999 372 1627 108401
301 1,999 366 1633 106769
302 1,999 361 1638 105130
303 1,999 355 1644 103486
304 1,999 350 1649 101837
305 1,999 344 1655 100182
306 1,999 338 1661 98521
307 1,999 333 1666 96855
308 1,999 327 1672 95184
309 1,999 322 1677 93506
310 1,999 316 1683 91823
311 1,999 310 1689 90134
312 1,999 305 1695 88440
313 1,999 299 1700 86739
314 1,999 293 1706 85033
315 1,999 287 1712 83322
316 1,999 281 1718 81604
317 1,999 276 1723 79881
318 1,999 270 1729 78152
319 1,999 264 1735 76417
320 1,999 258 1741 74676
321 1,999 252 1747 72929
322 1,999 246 1753 71176
323 1,999 240 1759 69418
324 1,999 235 1765 67653
325 1,999 229 1770 65883
326 1,999 223 1776 64106
327 1,999 217 1782 62324
328 1,999 211 1788 60535
329 1,999 205 1795 58741
330 1,999 198 1801 56940
331 1,999 192 1807 55134
332 1,999 186 1813 53321
333 1,999 180 1819 51502
334 1,999 174 1825 49677
335 1,999 168 1831 47846
336 1,999 162 1837 46008
337 1,999 155 1844 44165
338 1,999 149 1850 42315
339 1,999 143 1856 40459
340 1,999 137 1862 38597
341 1,999 130 1869 36728
342 1,999 124 1875 34853
343 1,999 118 1881 32972
344 1,999 111 1888 31084
345 1,999 105 1894 29190
346 1,999 99 1900 27290
347 1,999 92 1907 25383
348 1,999 86 1913 23470
349 1,999 79 1920 21550
350 1,999 73 1926 19624
351 1,999 66 1933 17691
352 1,999 60 1939 15752
353 1,999 53 1946 13806
354 1,999 47 1952 11854
355 1,999 40 1959 9895
356 1,999 33 1966 7929
357 1,999 27 1972 5957
358 1,999 20 1979 3978
359 1,999 13 1986 1992
360 1,999 7 1992 0
 Mkt return 8.00%

Monthly 0.67%

More interest in 30yr plan (v/s 15yr plan)

Tax advantage in 30yr plan as compared to 15yr plan

PLAN Compare 30 yr plan v/s 15 year plan Tax savings o

Portfolio Extra Extra

Value (on Principal Positive value interest
COST Cash at hand Post-tax a 30-yr owed (on means 30-yr paid on Tax
PRINCIPAL in 30-yr plan RETURN plan) 30-yr plan) plan better 30yr plan savings
416000
414166 872 4 876 1241 -365 369 129
412327 1743 9 1757 2484 -727 372 130
410483 2615 13 2642 3730 -1088 374 131
408635 3487 18 3531 4978 -1447 377 132
406782 4358 22 4425 6229 -1805 379 133
404925 5230 27 5323 7483 -2160 382 134
403063 6102 31 6226 8739 -2513 385 135
401196 6973 35 7133 9998 -2865 387 135
399325 7845 40 8044 11259 -3215 390 136
397449 8717 44 8960 12523 -3563 392 137
395569 9588 49 9881 13790 -3909 395 138
393683 10460 53 10806 15059 -4254 398 139
391793 11332 58 11735 16331 -4596 400 140
389899 12203 62 12668 17605 -4937 403 141
387999 13075 66 13607 18882 -5276 405 142
386095 13947 71 14549 20162 -5613 408 143
384186 14819 75 15496 21444 -5948 411 144
382273 15690 80 16447 22729 -6282 413 145
380354 16562 84 17403 24017 -6614 416 146
378431 17434 89 18363 25307 -6944 419 147
376503 18305 93 19328 26600 -7272 421 147
374570 19177 97 20297 27896 -7599 424 148
372633 20049 102 21271 29194 -7923 427 149
370690 20920 106 22249 30495 -8246 429 150
368743 21792 111 23231 31798 -8567 432 151
366791 22664 115 24218 33105 -8887 435 152
364834 23535 120 25209 34414 -9205 437 153
362872 24407 124 26205 35725 -9520 440 154
360906 25279 128 27205 37040 -9835 443 155
358934 26150 133 28209 38357 -10147 445 156
356957 27022 137 29218 39676 -10458 448 157
354976 27894 142 30232 40999 -10767 451 158
352990 28765 146 31250 42324 -11074 453 159
350998 29637 151 32272 43652 -11380 456 160
349002 30509 155 33298 44982 -11684 459 161
347001 31380 159 34330 46315 -11986 462 162
344994 32252 164 35365 47651 -12286 464 163
342983 33124 168 36405 48990 -12585 467 163
340967 33995 173 37449 50332 -12882 470 164
338945 34867 177 38498 51676 -13178 473 165
336919 35739 182 39551 53023 -13471 475 166
334888 36610 186 40609 54372 -13763 478 167
332851 37482 190 41671 55725 -14054 481 168
330810 38354 195 42738 57080 -14343 484 169
328763 39225 199 43809 58438 -14630 486 170
326712 40097 204 44884 59799 -14915 489 171
324655 40969 208 45964 61162 -15199 492 172
322593 41841 213 47048 62529 -15481 495 173
320526 42712 217 48137 63898 -15761 497 174
318454 43584 221 49230 65270 -16040 500 175
316376 44456 226 50327 66645 -16317 503 176
314294 45327 230 51429 68022 -16593 506 177
312206 46199 235 52536 69402 -16867 509 178
310113 47071 239 53646 70785 -17139 511 179
308015 47942 244 54762 72171 -17410 514 180
305911 48814 248 55881 73560 -17679 517 181
303803 49686 252 57005 74952 -17946 520 182
301689 50557 257 58134 76346 -18212 523 183
299570 51429 261 59267 77743 -18477 526 184
297445 52301 266 60404 79144 -18739 528 185
295316 53172 270 61546 80546 -19001 531 186
293181 54044 275 62692 81952 -19260 534 187
291040 54916 279 63843 83361 -19518 537 188
288895 55787 283 64998 84772 -19775 540 189
286744 56659 288 66157 86187 -20029 543 190
284587 57531 292 67321 87604 -20283 546 191
282425 58402 297 68490 89024 -20534 548 192
280258 59274 301 69662 90447 -20785 551 193
278086 60146 306 70840 91873 -21033 554 194
275908 61017 310 72021 93302 -21280 557 195
273724 61889 314 73207 94733 -21526 560 196
271536 62761 319 74398 96168 -21770 563 197
269341 63632 323 75593 97605 -22013 566 198
267142 64504 328 76792 99046 -22254 569 199
264936 65376 332 77996 100489 -22493 572 200
262726 66247 337 79204 101935 -22731 575 201
260510 67119 341 80417 103384 -22968 577 202
258288 67991 345 81634 104836 -23203 580 203
256061 68862 350 82855 106291 -23436 583 204
253828 69734 354 84081 107749 -23668 586 205
251589 70606 359 85312 109210 -23899 589 206
249345 71478 363 86546 110674 -24128 592 207
247096 72349 368 87786 112141 -24355 595 208
244841 73221 372 89029 113611 -24581 598 209
242580 74093 376 90277 115083 -24806 601 210
240314 74964 381 91530 116559 -25029 604 211
238042 75836 385 92787 118038 -25251 607 212
235764 76708 390 94048 119519 -25471 610 213
233480 77579 394 95314 121004 -25690 613 215
231191 78451 399 96584 122492 -25907 616 216
228897 79323 403 97859 123982 -26123 619 217
226596 80194 407 99138 125476 -26338 622 218
224290 81066 412 100421 126972 -26551 625 219
221978 81938 416 101709 128472 -26763 628 220
219660 82809 421 103002 129975 -26973 631 221
217337 83681 425 104298 131480 -27182 634 222
215008 84553 430 105600 132989 -27389 637 223
212672 85424 434 106905 134501 -27595 640 224
210332 86296 438 108215 136015 -27800 643 225
207985 87168 443 109530 137533 -28003 646 226
205632 88039 447 110849 139054 -28205 649 227
203274 88911 452 112172 140578 -28406 652 228
200910 89783 456 113500 142105 -28605 655 229
198539 90654 461 114832 143635 -28803 658 230
196163 91526 465 116169 145168 -28999 661 231
193781 92398 469 117510 146704 -29194 664 233
191393 93269 474 118855 148243 -29388 668 234
188999 94141 478 120205 149786 -29580 671 235
186599 95013 483 121559 151331 -29772 674 236
184194 95884 487 122918 152879 -29961 677 237
181782 96756 492 124281 154431 -30150 680 238
179364 97628 496 125649 155986 -30337 683 239
176940 98500 500 127021 157543 -30522 686 240
174510 99371 505 128398 159104 -30707 689 241
172074 100243 509 129778 160668 -30890 692 242
169632 101115 514 131164 162235 -31072 695 243
167184 101986 518 132554 163806 -31252 699 245
164730 102858 523 133948 165379 -31431 702 246
162269 103730 527 135346 166956 -31609 705 247
159803 104601 531 136749 168535 -31786 708 248
157330 105473 536 138157 170118 -31961 711 249
154852 106345 540 139569 171704 -32135 714 250
152367 107216 545 140985 173293 -32308 717 251
149876 108088 549 142406 174885 -32480 721 252
147378 108960 554 143831 176481 -32650 724 253
144875 109831 558 145261 178080 -32819 727 254
142365 110703 562 146695 179681 -32987 730 256
139849 111575 567 148133 181286 -33153 733 257
137327 112446 571 149576 182895 -33318 737 258
134798 113318 576 151023 184506 -33482 740 259
132263 114190 580 152475 186121 -33645 743 260
129722 115061 585 153931 187738 -33807 746 261
127174 115933 589 155392 189359 -33967 749 262
124620 116805 593 156857 190984 -34126 753 263
122060 117676 598 158327 192611 -34284 756 265
119494 118548 602 159800 194242 -34441 759 266
116921 119420 607 161279 195876 -34597 762 267
114341 120291 611 162762 197513 -34751 765 268
111755 121163 616 164249 199153 -34904 769 269
109163 122035 620 165740 200797 -35056 772 270
106564 122906 624 167236 202444 -35207 775 271
103959 123778 629 168737 204094 -35357 778 272
101347 124650 633 170242 205747 -35505 782 274
98729 125522 638 171751 207404 -35653 785 275
96104 126393 642 173265 209064 -35799 788 276
93473 127265 647 174783 210727 -35944 792 277
90835 128137 651 176306 212394 -36088 795 278
88191 129008 655 177833 214063 -36231 798 279
85540 129880 660 179364 215736 -36372 801 280
82882 130752 664 180900 217413 -36513 805 282
80218 131623 669 182440 219093 -36652 808 283
77547 132495 673 183985 220776 -36790 811 284
74870 133367 678 185534 222462 -36928 815 285
72185 134238 682 187088 224152 -37064 818 286
69494 135110 686 188646 225844 -37199 821 287
66797 135982 691 190208 227541 -37332 825 289
64093 136853 695 191775 229240 -37465 828 290
61382 137725 700 193347 230943 -37597 831 291
58664 138597 704 194922 232650 -37727 835 292
55939 139468 708 196503 234359 -37857 838 293
53208 140340 713 198087 236072 -37985 841 294
50470 141212 717 199676 237789 -38113 845 296
47725 142083 722 201270 239509 -38239 848 297
44973 142955 726 202868 241232 -38364 851 298
42214 143827 731 204470 242958 -38489 855 299
39449 144698 735 206077 244688 -38612 858 300
36676 145570 739 207688 246422 -38734 862 302
33897 146442 744 209303 248158 -38855 865 303
31111 147313 748 210923 249898 -38975 868 304
28318 148185 753 212548 251642 -39094 872 305
25517 149057 757 214177 253389 -39212 875 306
22710 149928 762 215810 255139 -39329 879 308
19896 150800 766 217448 256893 -39445 882 309
17075 151672 770 219090 258650 -39560 886 310
14247 152543 775 220737 260411 -39674 889 311
11412 153415 779 222388 262175 -39787 892 312
8569 154287 784 224043 263942 -39899 896 314
5720 155159 788 225703 265713 -40010 899 315
2864 156030 793 227367 267488 -40121 903 316
0 156902 797 229036 269266 -40230 906 317
154903 787 227824 268176 -40353 910 318
152904 777 226602 267083 -40482 906 317
150905 767 225369 265987 -40617 902 316
148906 756 224127 264886 -40760 899 315
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142909 726 220338 261563 -41225 887 311
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138911 706 217761 259328 -41567 880 308
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134913 685 215144 257078 -41934 872 305
132914 675 213820 255948 -42127 868 304
130915 665 212486 254813 -42327 865 303
128916 655 211142 253675 -42533 861 301
126917 645 209788 252533 -42745 857 300
124918 635 208424 251387 -42964 853 299
122919 624 207049 250238 -43189 849 297
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118920 604 204269 247927 -43657 841 295
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114922 584 201449 245600 -44151 834 292
112923 574 200024 244430 -44407 830 290
110924 563 198588 243257 -44669 826 289
108925 553 197142 242080 -44937 822 288
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80939 411 175837 225175 -49338 765 268
78940 401 174239 223937 -49698 761 266
76941 391 172630 222694 -50064 757 265
74942 381 171012 221448 -50435 752 263
72943 371 169384 220197 -50813 748 262
70944 360 167745 218942 -51197 744 260
68945 350 166096 217682 -51586 740 259
66946 340 164437 216419 -51981 735 257
64947 330 162768 215151 -52382 731 256
62948 320 161089 213879 -52790 727 254
 60949 310 159400 212602 -53203 723 253
58950 299 157700 211321 -53621 718 251
56951 289 155990 210036 -54046 714 250
54952 279 154270 208747 -54476 710 248
52953 269 152540 207453 -54913 705 247
50954 259 150800 206155 -55355 701 245
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46956 239 147289 203545 -56256 692 242
44957 228 145519 202234 -56715 688 241
42958 218 143738 200918 -57180 683 239
40959 208 141947 199598 -57651 679 238
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36961 188 138335 196944 -58609 670 234
34962 178 136513 195610 -59097 665 233
32963 167 134682 194272 -59590 661 231
30964 157 132840 192929 -60089 656 230
28965 147 130988 191582 -60594 652 228
26966 137 129126 190230 -61104 647 227
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-124960 -635 -42102 72929 -115031 252 88
-126959 -645 -44746 71176 -115922 246 86
-128958 -655 -47400 69418 -116818 240 84
-130957 -665 -50065 67653 -117718 235 82
-132956 -675 -52739 65883 -118622 229 80
-134955 -686 -55424 64106 -119530 223 78
-136954 -696 -58118 62324 -120442 217 76
-138953 -706 -60823 60535 -121359 211 74
-140952 -716 -63538 58741 -122279 205 72
-142951 -726 -66263 56940 -123204 198 69
-144950 -736 -68999 55134 -124133 192 67
-146949 -747 -71744 53321 -125065 186 65
-148948 -757 -74500 51502 -126002 180 63
-150947 -767 -77266 49677 -126943 174 61
-152946 -777 -80042 47846 -127888 168 59
-154945 -787 -82828 46008 -128836 162 57
-156944 -797 -85624 44165 -129789 155 54
-158943 -807 -88431 42315 -130746 149 52
-160942 -818 -91247 40459 -131706 143 50
-162941 -828 -94074 38597 -132671 137 48
-164940 -838 -96911 36728 -133639 130 46
-166939 -848 -99758 34853 -134611 124 43
-168938 -858 -102615 32972 -135587 118 41
-170937 -868 -105483 31084 -136567 111 39
-172936 -879 -108360 29190 -137550 105 37
-174935 -889 -111248 27290 -138538 99 35
-176934 -899 -114146 25383 -139529 92 32
-178934 -909 -117054 23470 -140523 86 30
-180933 -919 -119972 21550 -141522 79 28
-182932 -929 -122900 19624 -142524 73 25
-184931 -939 -125839 17691 -143530 66 23
-186930 -950 -128787 15752 -144539 60 21
-188929 -960 -131746 13806 -145552 53 19
-190928 -970 -134715 11854 -146569 47 16
-192927 -980 -137694 9895 -147589 40 14
-194926 -990 -140683 7929 -148612 33 12
-196925 -1000 -143683 5957 -149640 27 9
-198924 -1011 -146692 3978 -150670 20 7
-200923 -1021 -149712 1992 -151704 13 5
-202922 -1031 -152742 0 -152742 7 2
 520000 624000

Tax break 35.0% 5.95% 925000 30,000

25,000

20,000
Cap gains 23.8% 875,000 301000
15,000

9 40 10,000

65 5,000

1560 2600 -
Tax savings on 30yr plan 1 10 19 28 37 46 5
(5,000)

(10,000)
Tax saving
Tax saving cumulative Portfolio value 30yr plan (15,000)
Cumulative Tax saving cumulative return post- (tax savings + profit over Pressent
tax savings return return tax returns) 15yr plan Value

129 1 1 1 130 (235) (233.25)

259 2 3 2 261 (466) (460.04)
8,000.00
390 3 5 4 394 (694) (680.46)
522 3 9 7 529 (919) (894.60) 6,000.00
655 4 13 10 665 (1,140) (1,102.56)
789 5 18 14 802 (1,357) (1,304.43) 4,000.00
923 6 24 19 942 (1,572) (1,500.30)
1059 7 32 24 1083 (1,783) (1,690.27) 2,000.00
1195 8 39 30 1225 (1,990) (1,874.43)
1332 9 48 37 1369 (2,194) (2,052.86) -
1471 10 58 44 1515 (2,394) (2,225.64) 1 12 23 34
1610 11 69 52 1662 (2,591) (2,392.88) (2,000.00)
1750 12 81 61 1811 (2,785) (2,554.64)
1891 13 93 71 1962 (2,975) (2,711.03) (4,000.00)
2033 14 107 81 2114 (3,162) (2,862.11)
2175 15 121 92 2268 (3,345) (3,007.98) (6,000.00)
2319 15 137 104 2423 (3,525) (3,148.71)
2464 16 153 117 2580 (3,702) (3,284.38)
2609 17 170 130 2739 (3,875) (3,415.08)
2756 18 189 144 2900 (4,044) (3,540.89)
2903 19 208 159 3062 (4,210) (3,661.87)
3052 20 229 174 3226 (4,373) (3,778.11)
3201 21 250 190 3391 (4,532) (3,889.69)
3351 22 272 207 3559 (4,688) (3,996.67)
3502 23 296 225 3728 (4,840) (4,099.14)
3654 24 320 244 3898 (4,989) (4,197.16)
3807 25 345 263 4071 (5,134) (4,290.81)
3961 26 372 283 4245 (5,276) (4,380.16)
4116 27 399 304 4421 (5,414) (4,465.28)
4272 28 428 326 4598 (5,549) (4,546.23)
4429 30 457 348 4777 (5,681) (4,623.10)
 4587 31 488 372 4958 (5,809) (4,695.94)
4745 32 519 396 5141 (5,933) (4,764.83)
4905 33 552 421 5326 (6,054) (4,829.82)
5066 34 586 446 5512 (6,172) (4,890.99)
5227 35 621 473 5700 (6,286) (4,948.40)
5390 36 657 500 5890 (6,396) (5,002.11)
5553 37 694 529 6082 (6,503) (5,052.19)
5718 38 732 558 6275 (6,607) (5,098.70)
5883 39 771 588 6471 (6,707) (5,141.70)
6049 40 811 618 6668 (6,804) (5,181.25)
6217 41 853 650 6867 (6,897) (5,217.41)
6385 43 895 682 7067 (6,987) (5,250.24)
6554 44 939 716 7270 (7,073) (5,279.80)
6724 45 984 750 7474 (7,155) (5,306.15)
6896 46 1030 785 7680 (7,235) (5,329.35)
7068 47 1077 821 7888 (7,310) (5,349.44)
7241 48 1125 857 8098 (7,382) (5,366.49)
7415 49 1175 895 8310 (7,451) (5,380.55)
7590 51 1225 934 8524 (7,516) (5,391.68)
7766 52 1277 973 8739 (7,578) (5,399.93)
7943 53 1330 1013 8957 (7,636) (5,405.34)
8121 54 1384 1055 9176 (7,691) (5,407.99)
8300 55 1439 1097 9397 (7,742) (5,407.91)
8480 57 1496 1140 9620 (7,790) (5,405.15)
8661 58 1554 1184 9845 (7,834) (5,399.77)
8843 59 1613 1229 10072 (7,874) (5,391.82)
9026 60 1673 1275 10301 (7,912) (5,381.35)
9210 61 1734 1322 10532 (7,945) (5,368.40)
9395 63 1797 1369 10764 (7,975) (5,353.02)
9581 64 1861 1418 10999 (8,002) (5,335.26)
9768 65 1926 1468 11235 (8,025) (5,315.16)
9956 66 1992 1518 11474 (8,044) (5,292.78)
10145 68 2060 1570 11714 (8,060) (5,268.15)
10335 69 2129 1622 11957 (8,073) (5,241.33)
10526 70 2199 1676 12201 (8,081) (5,212.35)
10718 71 2270 1730 12448 (8,087) (5,181.26)
10911 73 2343 1786 12696 (8,089) (5,148.11)
11105 74 2417 1842 12946 (8,087) (5,112.92)
11300 75 2493 1899 13199 (8,082) (5,075.76)
11496 77 2569 1958 13453 (8,073) (5,036.65)
11693 78 2647 2017 13710 (8,060) (4,995.64)
11891 79 2726 2078 13968 (8,045) (4,952.77)
12090 81 2807 2139 14229 (8,025) (4,908.08)
12290 82 2889 2201 14491 (8,002) (4,861.61)
12491 83 2972 2265 14756 (7,976) (4,813.39)
12693 85 3057 2329 15022 (7,946) (4,763.47)
12896 86 3143 2395 15291 (7,912) (4,711.88)
13100 87 3230 2461 15562 (7,875) (4,658.66)
13305 89 3319 2529 15834 (7,834) (4,603.85)
13512 90 3409 2598 16109 (7,790) (4,547.47)
13719 91 3500 2667 16386 (7,742) (4,489.58)
13927 93 3593 2738 16665 (7,690) (4,430.20)
14136 94 3687 2810 16946 (7,635) (4,369.37)
14347 96 3783 2883 17230 (7,577) (4,307.12)
14558 97 3880 2957 17515 (7,514) (4,243.49)
14771 98 3979 3032 17802 (7,449) (4,178.50)
14984 100 4079 3108 18092 (7,379) (4,112.20)
15199 101 4180 3185 18384 (7,306) (4,044.61)
15414 103 4283 3263 18678 (7,230) (3,975.77)
15631 104 4387 3343 18974 (7,150) (3,905.70)
15849 106 4492 3423 19272 (7,066) (3,834.44)
16067 107 4600 3505 19572 (6,979) (3,762.03)
16287 109 4708 3588 19875 (6,888) (3,688.48)
16508 110 4818 3671 20179 (6,794) (3,613.83)
16730 112 4930 3756 20486 (6,696) (3,538.11)
16953 113 5043 3843 20795 (6,594) (3,461.35)
17177 115 5157 3930 21107 (6,489) (3,383.58)
17402 116 5273 4018 21420 (6,380) (3,304.82)
17628 118 5391 4108 21736 (6,268) (3,225.10)
17855 119 5510 4198 22054 (6,152) (3,144.45)
18083 121 5630 4290 22374 (6,032) (3,062.90)
18313 122 5752 4383 22696 (5,909) (2,980.47)
18543 124 5876 4478 23021 (5,782) (2,897.19)
18775 125 6001 4573 23348 (5,652) (2,813.08)
19007 127 6128 4670 23677 (5,518) (2,728.18)
19241 128 6256 4767 24008 (5,380) (2,642.50)
19476 130 6386 4866 24342 (5,239) (2,556.07)
19711 131 6517 4966 24678 (5,094) (2,468.91)
19948 133 6650 5068 25016 (4,945) (2,381.06)
20186 135 6785 5170 25356 (4,793) (2,292.52)
20425 136 6921 5274 25699 (4,637) (2,203.33)
20665 138 7059 5379 26044 (4,478) (2,113.51)
20907 139 7198 5485 26392 (4,315) (2,023.08)
21149 141 7339 5593 26741 (4,148) (1,932.06)
21392 143 7482 5701 27094 (3,978) (1,840.48)
21637 144 7626 5811 27448 (3,804) (1,748.36)
21882 146 7772 5922 27805 (3,627) (1,655.71)
22129 148 7920 6035 28164 (3,445) (1,562.56)
22377 149 8069 6148 28525 (3,261) (1,468.93)
22626 151 8220 6263 28889 (3,072) (1,374.84)
22876 153 8372 6380 29255 (2,880) (1,280.31)
23127 154 8526 6497 29624 (2,684) (1,185.36)
23379 156 8682 6616 29995 (2,485) (1,090.01)
23632 158 8840 6736 30368 (2,281) (994.28)
23887 159 8999 6857 30744 (2,075) (898.18)
24142 161 9160 6980 31122 (1,864) (801.74)
24399 163 9323 7104 31503 (1,650) (704.98)
24657 164 9487 7229 31886 (1,432) (607.90)
24916 166 9653 7356 32271 (1,211) (510.54)
25176 168 9821 7484 32659 (986) (412.90)
25437 170 9991 7613 33050 (757) (315.00)
25699 171 10162 7743 33443 (525) (216.87)
25963 173 10335 7875 33838 (289) (118.51)
26227 175 10510 8008 34236 (49) (19.94)
26493 177 10686 8143 34636 195 78.81
26760 178 10865 8279 35039 442 177.74
27027 180 11045 8416 35444 693 276.83
27296 182 11227 8555 35851 947 376.06
27567 184 11411 8695 36262 1,205 475.42
27838 186 11596 8836 36674 1,467 574.90
28110 187 11784 8979 37090 1,733 674.48
28384 189 11973 9123 37507 2,002 774.14
28659 191 12164 9269 37928 2,275 873.87
28935 193 12357 9416 38351 2,552 973.66
29212 195 12552 9564 38776 2,832 1,073.49
29490 197 12748 9714 39204 3,116 1,173.36
29769 198 12947 9865 39635 3,404 1,273.24
30050 200 13147 10018 40068 3,696 1,373.13
30331 202 13349 10172 40504 3,991 1,473.00
30614 204 13553 10328 40942 4,290 1,572.86
30898 206 13759 10485 41383 4,592 1,672.69
31183 208 13967 10643 41826 4,899 1,772.47
31470 210 14177 10803 42273 5,209 1,872.19
31757 212 14389 10964 42721 5,523 1,971.85
32046 214 14602 11127 43173 5,840 2,071.42
32335 216 14818 11291 43627 6,162 2,170.91
32626 218 15035 11457 44083 6,487 2,270.29
32919 219 15255 11624 44543 6,815 2,369.56
33212 221 15476 11793 45005 7,148 2,468.70
33506 223 15700 11963 45470 7,484 2,567.72
33802 225 15925 12135 45937 7,824 2,666.59
34099 227 16152 12308 46407 8,168 2,765.30
34397 229 16382 12483 46880 8,515 2,863.85
34696 231 16613 12659 47355 8,867 2,962.23
34996 233 16846 12837 47833 9,222 3,060.43
35298 235 17082 13016 48314 9,580 3,158.43
35601 237 17319 13197 48798 9,943 3,256.23
35905 239 17558 13379 49284 10,309 3,353.82
36210 241 17800 13563 49773 10,679 3,451.20
36516 243 18043 13749 50265 11,053 3,548.34
36824 245 18289 13936 50760 11,431 3,645.25
37133 248 18536 14125 51257 11,812 3,741.91
37442 250 18786 14315 51757 12,197 3,838.33
37754 252 19038 14507 52260 12,586 3,934.48
38066 254 19291 14700 52766 12,979 4,030.36
38379 256 19547 14895 53274 13,375 4,125.97
38694 258 19805 15091 53786 13,775 4,221.29
39010 260 20065 15290 54300 14,179 4,316.33
39327 262 20327 15489 54817 14,587 4,411.06
39646 264 20592 15691 55337 14,984 4,501.11
39963 266 20858 15894 55857 15,375 4,587.94
40279 269 21127 16098 56377 15,760 4,671.60
40593 271 21397 16305 56898 16,138 4,752.14
40906 273 21670 16512 57419 16,511 4,829.60
41218 275 21945 16722 57940 16,877 4,904.05
41529 277 22222 16933 58462 17,237 4,975.53
41838 279 22501 17145 58983 17,591 5,044.08
42146 281 22781 17359 59506 17,939 5,109.76
42453 283 23064 17575 60028 18,281 5,172.61
42758 285 23350 17792 60550 18,616 5,232.67
43062 287 23637 18011 61073 18,946 5,290.01
43365 289 23926 18231 61596 19,269 5,344.65
43666 291 24217 18453 62119 19,586 5,396.64
43966 293 24510 18677 62642 19,897 5,446.03
44264 295 24805 18901 63166 20,202 5,492.87
44562 297 25102 19128 63690 20,501 5,537.19
44858 299 25401 19356 64213 20,793 5,579.04
45152 301 25702 19585 64737 21,080 5,618.46
45445 303 26005 19816 65261 21,360 5,655.49
45737 305 26310 20048 65785 21,635 5,690.18
46027 307 26617 20282 66310 21,903 5,722.55
46316 309 26926 20517 66834 22,165 5,752.66
46604 311 27236 20754 67358 22,421 5,780.55
46890 313 27549 20992 67883 22,671 5,806.24
47175 315 27863 21232 68407 22,914 5,829.79
47459 316 28180 21473 68932 23,152 5,851.23
47741 318 28498 21716 69456 23,383 5,870.59
48021 320 28818 21960 69981 23,609 5,887.91
48300 322 29140 22205 70505 23,828 5,903.24
48578 324 29464 22452 71030 24,041 5,916.60
48855 326 29790 22700 71554 24,248 5,928.03
49130 328 30117 22949 72079 24,449 5,937.57
49403 329 30447 23200 72603 24,644 5,945.25
49675 331 30778 23453 73128 24,833 5,951.11
49946 333 31111 23706 73652 25,015 5,955.18
50215 335 31446 23962 74176 25,192 5,957.49
50483 337 31782 24218 74701 25,362 5,958.07
50749 338 32121 24476 75225 25,526 5,956.97
51014 340 32461 24735 75749 25,685 5,954.21
51277 342 32802 24995 76272 25,837 5,949.82
51539 344 33146 25257 76796 25,983 5,943.84
51799 345 33491 25520 77320 26,123 5,936.29
52058 347 33838 25785 77843 26,257 5,927.21
52315 349 34187 26051 78366 26,385 5,916.62
52571 350 34538 26318 78889 26,507 5,904.56
52826 352 34890 26586 79412 26,622 5,891.05
53079 354 35244 26856 79934 26,732 5,876.13
53330 356 35599 27127 80457 26,835 5,859.82
53580 357 35956 27399 80979 26,933 5,842.15
53828 359 36315 27672 81500 27,024 5,823.16
54075 361 36676 27947 82022 27,109 5,802.85
54320 362 37038 28223 82543 27,189 5,781.27
54564 364 37402 28500 83064 27,262 5,758.44
54806 365 37767 28778 83585 27,329 5,734.39
55047 367 38134 29058 84105 27,390 5,709.14
55286 369 38503 29339 84625 27,445 5,682.72
55524 370 38873 29621 85145 27,494 5,655.15
55760 372 39244 29904 85664 27,537 5,626.46
55994 373 39618 30189 86183 27,574 5,596.67
56227 375 39993 30474 86701 27,604 5,565.81
56458 376 40369 30761 87220 27,629 5,533.90
56688 378 40747 31049 87737 27,648 5,500.96
56916 379 41126 31338 88254 27,660 5,467.03
57143 381 41507 31629 88771 27,667 5,432.11
57368 382 41890 31920 89288 27,668 5,396.24
57591 384 42274 32213 89804 27,662 5,359.43
57813 385 42659 32506 90319 27,650 5,321.72
58033 387 43046 32801 90834 27,633 5,283.11
58251 388 43434 33097 91348 27,609 5,243.64
58468 390 43824 33394 91862 27,580 5,203.31
58683 391 44215 33692 92375 27,544 5,162.16
58897 393 44608 33991 92888 27,502 5,120.21
59109 394 45002 34292 93400 27,454 5,077.47
59319 395 45398 34593 93912 27,401 5,033.96
59528 397 45794 34895 94423 27,341 4,989.71
59735 398 46193 35199 94934 27,275 4,944.73
59940 400 46592 35503 95443 27,203 4,899.04
60144 401 46993 35809 95953 27,125 4,852.67
60346 402 47395 36115 96461 27,041 4,805.62
60546 404 47799 36423 96969 26,951 4,757.93
60745 405 48204 36732 97476 26,856 4,709.60
60942 406 48610 37041 97983 26,754 4,660.65
61137 408 49018 37352 98488 26,646 4,611.11
61330 409 49427 37663 98994 26,532 4,560.98
61522 410 49837 37976 99498 26,412 4,510.30
61712 411 50248 38289 100001 26,286 4,459.06
61901 413 50661 38604 100504 26,154 4,407.29
62087 414 51075 38919 101006 26,016 4,355.01
62272 415 51490 39235 101508 25,872 4,302.24
62455 416 51906 39553 102008 25,722 4,248.98
62637 418 52324 39871 102508 25,566 4,195.25
62816 419 52743 40190 103006 25,404 4,141.07
62994 420 53163 40510 103504 25,236 4,086.46
63170 421 53584 40831 104001 25,062 4,031.42
63345 422 54006 41153 104498 24,882 3,975.98
63517 423 54430 41475 104993 24,697 3,920.14
63688 425 54854 41799 105487 24,505 3,863.93
63857 426 55280 42123 105981 24,307 3,807.35
64025 427 55707 42449 106473 24,103 3,750.43
64190 428 56135 42775 106965 23,893 3,693.17
64354 429 56564 43102 107455 23,678 3,635.58
64516 430 56994 43429 107945 23,456 3,577.69
64676 431 57425 43758 108433 23,228 3,519.49
64834 432 57857 44087 108921 22,995 3,461.02
64990 433 58291 44417 109408 22,755 3,402.27
65145 434 58725 44748 109893 22,509 3,343.26
65297 435 59160 45080 110377 22,258 3,284.01
65448 436 59596 45413 110861 22,000 3,224.52
65597 437 60034 45746 111343 21,737 3,164.81
65744 438 60472 46080 111824 21,467 3,104.88
65890 439 60911 46414 112304 21,192 3,044.76
66033 440 61352 46750 112783 20,911 2,984.45
66174 441 61793 47086 113261 20,624 2,923.96
66314 442 62235 47423 113737 20,330 2,863.30
66452 443 62678 47761 114212 20,031 2,802.49
66588 444 63122 48099 114686 19,726 2,741.53
66722 445 63567 48438 115159 19,415 2,680.44
66854 446 64012 48777 115631 19,098 2,619.22
66984 447 64459 49118 116101 18,775 2,557.89
67112 447 64906 49459 116570 18,447 2,496.45
67238 448 65354 49800 117038 18,112 2,434.91
67362 449 65804 50142 117505 17,771 2,373.29
67485 450 66253 50485 117970 17,425 2,311.60
67605 451 66704 50829 118434 17,072 2,249.83
67724 451 67156 51173 118896 16,714 2,188.01
67840 452 67608 51517 119357 16,349 2,126.14
67955 453 68061 51862 119817 15,979 2,064.23
68067 454 68515 52208 120275 15,603 2,002.28
68178 455 68969 52555 120732 15,221 1,940.32
68286 455 69425 52901 121188 14,833 1,878.33
68393 456 69880 53249 121642 14,439 1,816.35
68498 457 70337 53597 122094 14,039 1,754.36
68600 457 70794 53945 122545 13,633 1,692.38
68701 458 71252 54294 122995 13,222 1,630.42
68799 459 71711 54644 123443 12,804 1,568.48
68896 459 72170 54994 123889 12,381 1,506.57
68990 460 72630 55344 124334 11,952 1,444.70
69082 461 73091 55695 124778 11,516 1,382.88
69173 461 73552 56047 125219 11,075 1,321.11
69261 462 74014 56399 125660 10,628 1,259.41
69347 462 74476 56751 126098 10,176 1,197.77
69432 463 74939 57104 126535 9,717 1,136.20
69514 463 75402 57457 126970 9,252 1,074.71
69594 464 75866 57810 127404 8,782 1,013.31
69672 464 76331 58164 127836 8,306 952.01
69747 465 76796 58518 128266 7,823 890.80
69821 465 77261 58873 128694 7,335 829.70
69893 466 77727 59228 129121 6,842 768.71
69962 466 78194 59584 129546 6,342 707.83
70029 467 78661 59939 129969 5,836 647.08
70095 467 79128 60295 130390 5,325 586.46
70158 468 79596 60652 130809 4,807 525.97
70218 468 80064 61009 131227 4,284 465.63
70277 469 80532 61366 131643 3,755 405.42
70334 469 81001 61723 132057 3,220 345.37
70388 469 81470 62080 132469 2,679 285.47
70440 470 81940 62438 132879 2,133 225.73
70490 470 82410 62796 133287 1,580 166.16
70538 470 82880 63155 133693 1,022 106.75
70584 471 83351 63513 134097 458 47.52
70627 471 83822 63872 134499 (112) (11.53)
70669 471 84293 64231 134900 (688) (70.39)
70708 471 84764 64590 135298 (1,269) (129.07)
70744 472 85236 64950 135694 (1,857) (187.56)
70779 472 85708 65309 136088 (2,450) (245.85)
70811 472 86180 65669 136480 (3,049) (303.94)
70841 472 86652 66029 136870 (3,654) (361.83)
70869 472 87124 66389 137258 (4,264) (419.51)
70894 473 87597 66749 137643 (4,881) (476.98)
70918 473 88070 67109 138027 (5,503) (534.23)
70938 473 88543 67470 138408 (6,131) (591.26)
70957 473 89016 67830 138787 (6,765) (648.07)
70973 473 89489 68191 139164 (7,405) (704.65)
70987 473 89962 68551 139539 (8,050) (761.00)
70999 473 90435 68912 139911 (8,701) (817.12)
71009 473 90909 69273 140281 (9,359) (873.01)
71016 473 91382 69633 140649 (10,021) (928.65)
71020 473 91856 69994 141014 (10,690) (984.05)
71023 473 92329 70355 141377 (11,364) (1,039.20)
30,000

25,000

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5,000

(5,000)
1 10 19 28 37 46 55 64 73 82 91 100 109 118 127 136 145 154 163 172 181 190 199 208 217 226 235 244 253 262 271 280 289 298 307 316 325 334 343

(10,000)

(15,000)

8,000.00

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2,000.00

-
1 12 23 34 45 56 67 78 89 00 11 22 33 44 55 66 77 88 99 10 21 32 43 54 65 76 87 98 09 20 31 4
(2,000.00) 1 1 1 1 1 1 1 1 1 1 2 2 2 2 2 2 2 2 2 3 3 3 3

(4,000.00)

(6,000.00)
80 289 298 307 316 325 334 343 352

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Price $ 300,000 Rent Own Assumptions:
Rent $ 3,200 Rent $ 3,200
Interest 4.50% Mortgage $ 1,520
Tax Rate 25.00% Taxes $ 500
Loan years 30 Years Insurance $ 250
Stay 5 Years Buying closts $ 150
Selling costs $ 300
Buying costs 3% Home Owners Asso $ 250
Selling costs 6% Landlord expenses $ 150
Insurance 1% Mortgage deduction $ (269)
Other things to note:
TOTAL $ 3,200 $ 2,851
Difference $ (349)

Net Result - You spend $3200 while renting and $2851 while owning -> You spend $-349 more a month while owning
The only difference - you built some equity in the house while you owned it, how much equity? That is the sum total of principal
Equity per month = $442 Differnce remaining $ (791)

Positive value -> You are paying a premium to own (5 year stay)
$ (791) 300,000 350,000 400,000 450,000 500,000 550,000 600,000
2,000
2,200
2,400
2,600
2,800
3,000
3,200
3,400
3,600
3,800
4,000
4,200
4,400
4,600
Assumptions:
100% LTV (Loan To Value) Mortgage - no down payment
Property Taxes = 2% of house value
Insurance = 1% of house value
Buying costs = 3% of house value
Selling costs = 6% of house value
Ignoring the additional selling costs like getting the house ready to sell (1% typical)
Landlord expenses - HOA, appliances, pest control, landscape, etc
Mortgage deduction calculated on a 5-year interest payment basis

Other things to note:

Mortgage interest deduction will decrease over period of time (monthly payment is the same but interest portion decreases)
4.6% interest seems high (2015 - 16) but don't forget it takes into account 100% LTV, there is usually 1% PMI insurance
Things in Blue - you can change
th while owning
the sum total of principal payments made over the period of stay = $26526
but interest portion decreases)
usually 1% PMI insurance
Price 235000
Rent 1450 What comes in What goes out
Int Rate Rent 1,450
Mortgage
Brokerage
Insurance
Repairs
Taxes
HOA
Costs (10 yrs)