Monthly Budget Hopeful

Name
Section

Income
Combined Take Home Pay
Expenses
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Car Loan
Gas Credit Card
Medical Bill
2nd Mortgage
1st Mortgage
Food
Child Lesson
Laundry
Dry Cleaners
Gifts
Life Insurance
Medical Ins
Car insurance
Internet
Cable/tv
Utilities
Home phone service
Cell phones
Gas
Bowling
Newspaper
Misc.
Tithing
Charities
Total expenses
Surplus/Debt

May
$5,150

$158.00
$34.67
$274.37
$280.85
$200.00
$92.72
$65.07
$582.82
$1,149.00

$450
$465
$30
$20
$15
$70
$200
$120
$25
$95
$275
$75
$85
$170
85
$35
$30
$615
$35
$5,733
-$583

New Budget
Combined Take Home

$5,150

Expenses
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Car Loan
Gas Credit Card
Medical Bill
2nd Mortgage
1st Mortgage
Food
Child Lesson
Laundry
Dry Cleaners
Gifts
Life Insurance
Medical Ins
Car insurance
Internet
Netflix
Utilities
Home phone service
Cell phones
Gas
Bowling
Newspaper
Misc.
Tithing
Charities

$158.00
$34.67
$274.37
$280.85
$200.00
$92.72
$65.07
$582.82
$1,149.00

Total expenses

$4,986

Surplus/Debt

$450
$0 learn on youtube
$30
$20
$15
$70
$200
$120
$25
$8 Removed cable for cheaper serrvice
$275
$0 they have cellphones
$85
$170
0
$0 read online
$30
$615
$35

$165

Current Age
Age at Retirement
Years to Retirement
Monthly Contribution to 401k
Interest on 401k
At retirement

35
65
30

150.00
7%
$182,995.65

1.
2.
3.
4.

Develop a budget
Cut up the credit cards
Find an extra $100 / month
Put together a "roll over plan"

Listing of all debts

Debt
Credit Card #2
Medical Bill
Gas Credit Card
Car Loan
Credit Card #1
Credit Card #3
Credit Union Loan
2nd Mortgage
1st Mortgage

Rate
15.0%
15.0%
12.0%
7.0%
12.0%
11.0%
6.0%
9.5%
6.0%

Monthly Income Needed???

Annual Income Needed???

Principal
$1,000.00
$1,876.97
$1,969.78
$5,200.00
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57

# of Pmts
36
36
24
28
48
60
84
142
147

$ / mth
$34.67
$65.07
$92.72
$200.00
$158.00
$274.37
$280.85
$582.82
$1,149.00

$4,850.00
$58,200.00

Real Debt
$1,248.12
$2,342.52
$2,225.28
$5,600.00
$7,584.00
$16,462.20
$23,591.40
$82,760.44
$168,903.00
$310,716.96

Listing of all debts

Debt
Credit Card #2
Medical Bill
Gas Credit Card
Car Loan
Credit Card #1
Credit Card #3
Credit Union Loan
2nd Mortgage
1st Mortgage

Rate
15.0%
15.0%
12.0%
7.0%
12.0%
11.0%
6.0%
9.5%
6.0%

Total Debt
Monthly Income Needed???
Annual Income Needed???

Principal
$1,000.00
$1,876.97
$1,969.78
$5,200.00
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57

$97,503.23

# of Pmts
36
36
24
28
48
60
84
142
147

$ / mth
$34.67
$65.07
$92.72
$200.00
$158.00
$274.37
$280.85
$582.82
$1,149.00

Real Debt
$1,248.12
$2,342.52
$2,225.28
$5,600.00
$7,584.00
$16,462.20
$23,591.40
$82,760.44
$168,903.00

$1,688.50

$141,813.96

$4,824.29
$57,891.43

First Debt = $34.67 + $100.00 = $134.67

Month
1
2
3
4
5
6
7
8

Payment
$134.67
$134.67
$134.67
$134.67
$134.67
$134.67
$134.67
$134.67

15.0%
Interest
$12.50
$10.97
$9.43
$7.86
$6.28
$4.67
$3.05
$1.40

Principal
$122.17
$123.70
$125.24
$126.81
$128.39
$130.00
$131.62
$133.27

$1,000.00
Remaining Balance
$877.83
$754.13
$628.89
$502.08
$373.69
$243.69
$112.06
($21.21)

Listing of all debts

Debt
Medical Bill
Gas Credit Card
Car Loan
Credit Card #1
Credit Card #3
Credit Union Loan
2nd Mortgage
1st Mortgage

Rate
15.0%
12.0%
7.0%
12.0%
11.0%
6.0%
9.5%
6.0%

Total Debt
Monthly Income Needed???
Annual Income Needed???

Principal
$1,876.97
$1,969.78
$5,200.00
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57

$215,915.80

# of Pmts
36
24
28
48
60
84
142
147

$ / mth
$65.07
$92.72
$200.00
$158.00
$274.37
$280.85
$582.82
$1,149.00
$2,802.83
$8,008.09
$96,097.03

Real Debt
$2,342.52
$2,225.28
$5,600.00
$7,584.00
$16,462.20
$23,591.40
$82,760.44
$168,903.00
$309,468.84

Second Debt, after 8 mths payment goes to $65.07 + $134.67 = $199.74.

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17

Payment
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$199.74
$199.74
$199.74
$199.74
$199.74
$199.74
$199.74
$199.74
$199.74

15.0%
Interest
$23.46
$22.94
$22.42
$21.88
$21.34
$20.80
$20.24
$19.68
$19.11
$16.86
$14.57
$12.26
$9.91
$7.54
$5.14
$2.70
$0.24

Principal
$41.61
$42.13
$42.65
$43.19
$43.73
$44.27
$44.83
$45.39
$180.63
$182.88
$185.17
$187.48
$189.83
$192.20
$194.60
$197.04
$199.50

$1,876.97
Remaining Balance
$1,835.36
$1,793.23
$1,750.58
$1,707.39
$1,663.66
$1,619.39
$1,574.56
$1,529.17
$1,348.55
$1,165.67
$980.50
$793.01
$603.19
$410.99
$216.38
$19.35
($180.15)

= $199.74.

Listing of all debts

Debt
Gas Credit Card
Car Loan
Credit Card #1
Credit Card #3
Credit Union Loan
2nd Mortgage
1st Mortgage

Rate
12.0%
7.0%
12.0%
11.0%
6.0%
9.5%
6.0%

Total Debt
Monthly Income Needed???
Annual Income Needed???

Principal
$1,969.78
$5,200.00
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57

$214,038.83

# of Pmts
24
28
48
60
84
142
147

$ / mth
$92.72
$200.00
$158.00
$274.37
$280.85
$582.82
$1,149.00

Real Debt
$2,225.28
$5,600.00
$7,584.00
$16,462.20
$23,591.40
$82,760.44
$168,903.00

$2,737.76

$307,126.32

$7,822.17
$93,866.06

3rd Debt, after 17 mths payment goes to $92.72 + $199.74 = $292.46

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

Payment
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$292.46
$292.46
$292.46

12.0%
Interest
$19.70
$18.97
$18.23
$17.49
$16.73
$15.97
$15.21
$14.43
$13.65
$12.86
$12.06
$11.25
$10.44
$9.61
$8.78
$7.94
$7.10
$6.24
$3.38
$0.49

Principal
$73.02
$73.75
$74.49
$75.23
$75.99
$76.75
$77.51
$78.29
$79.07
$79.86
$80.66
$81.47
$82.28
$83.11
$83.94
$84.78
$85.62
$286.22
$289.08
$291.97

$1,969.78
Remaining Balance
$1,896.76
$1,823.01
$1,748.52
$1,673.28
$1,597.29
$1,520.55
$1,443.03
$1,364.74
$1,285.67
$1,205.81
$1,125.14
$1,043.68
$961.39
$878.29
$794.35
$709.57
$623.95
$337.73
$48.65
($243.33)

Listing of all debts

Debt
Car Loan
Credit Card #1
Credit Card #3
Credit Union Loan
2nd Mortgage
1st Mortgage

Rate
7.0%
12.0%
11.0%
6.0%
9.5%
6.0%

Total Debt
Monthly Income Needed???
Annual Income Needed???

Principal
$5,200.00
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57

$212,069.05

# of Pmts
28
48
60
84
142
147

$ / mth
$200.00
$158.00
$274.37
$280.85
$582.82
$1,149.00

Real Debt
$5,600.00
$7,584.00
$16,462.20
$23,591.40
$82,760.44
$168,903.00

$2,645.04

$304,901.04

$7,557.26
$90,687.09

4th Debt, after 19 mths payment goes to $200 + $292.46 = $492.46

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24

Payment
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$492.46
$492.46
$492.46
$492.46

7.0%
Interest
$30.33
$29.34
$28.35
$27.35
$26.34
$25.33
$24.31
$23.28
$22.25
$21.22
$20.17
$19.12
$18.07
$17.01
$15.94
$14.87
$13.79
$12.70
$11.61
$10.51
$9.40
$6.58
$3.75
$0.90

Principal
$169.67
$170.66
$171.65
$172.65
$173.66
$174.67
$175.69
$176.72
$177.75
$178.78
$179.83
$180.88
$181.93
$182.99
$184.06
$185.13
$186.21
$187.30
$188.39
$189.49
$483.06
$485.88
$488.71
$491.56

$5,200.00
Remaining Balance
$5,030.33
$4,859.68
$4,688.03
$4,515.37
$4,341.71
$4,167.04
$3,991.35
$3,814.63
$3,636.88
$3,458.10
$3,278.27
$3,097.39
$2,915.46
$2,732.47
$2,548.41
$2,363.27
$2,177.06
$1,989.76
$1,801.36
$1,611.87
$1,128.81
$642.94
$154.23
($337.33)

Listing of all debts

Debt
Credit Card #1
Credit Card #3
Credit Union Loan
2nd Mortgage
1st Mortgage

Rate
12.0%
11.0%
6.0%
9.5%
6.0%

Total Debt
Monthly Income Needed???
Annual Income Needed???

Principal
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57

$206,869.05

# of Pmts
48
60
84
142
147

$ / mth
$158.00
$274.37
$280.85
$582.82
$1,149.00

Real Debt
$7,584.00
$16,462.20
$23,591.40
$82,760.44
$168,903.00

$2,445.04

$299,301.04

$6,985.83
$83,829.94

After 25 mths payment goes to $158 + $492.46 = $650.46

Month
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

Payment
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$158.00
$650.46
$650.46
$650.46
$650.46
$650.46
$650.46

12.0%
Interest
$60.00
$59.02
$58.03
$57.03
$56.02
$55.00
$53.97
$52.93
$51.88
$50.82
$49.75
$48.66
$47.57
$46.47
$45.35
$44.23
$43.09
$41.94
$40.78
$39.61
$38.42
$37.23
$36.02
$34.80
$33.57
$27.40
$21.17
$14.87
$8.52
$2.10

Principal
$98.00
$98.98
$99.97
$100.97
$101.98
$103.00
$104.03
$105.07
$106.12
$107.18
$108.25
$109.34
$110.43
$111.53
$112.65
$113.77
$114.91
$116.06
$117.22
$118.39
$119.58
$120.77
$121.98
$123.20
$616.89
$623.06
$629.29
$635.59
$641.94
$648.36

$6,000.00
Remaining Balance
$5,902.00
$5,803.02
$5,703.05
$5,602.08
$5,500.10
$5,397.10
$5,293.07
$5,188.00
$5,081.88
$4,974.70
$4,866.45
$4,757.11
$4,646.69
$4,535.15
$4,422.50
$4,308.73
$4,193.82
$4,077.75
$3,960.53
$3,842.14
$3,722.56
$3,601.78
$3,479.80
$3,356.60
$2,739.71
$2,116.64
$1,487.35
$851.76
$209.82
($438.54)

Listing of all debts

Debt
Credit Card #3
Credit Union Loan
2nd Mortgage
1st Mortgage

Rate
11.0%
6.0%
9.5%
6.0%

Total Debt
Monthly Income Needed???
Annual Income Needed???

Principal
$12,619.08
$19,225.00
$49,612.40
$119,412.57

$200,869.05

# of Pmts
60
84
142
147

$ / mth
$274.37
$280.85
$582.82
$1,149.00

Real Debt
$16,462.20
$23,591.40
$82,760.44
$168,903.00

$2,287.04

$291,717.04

$6,534.40
$78,412.80

After 30 mths payment goes to $274.37 + $650.46 = $924.83

Month
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

Payment
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$274.37
$924.83
$924.83
$924.83
$924.83
$924.83
$924.83
$924.83
$924.83
$924.83

11.0%
Interest
$115.67
$114.22
$112.75
$111.27
$109.78
$108.27
$106.74
$105.21
$103.66
$102.09
$100.51
$98.92
$97.31
$95.69
$94.05
$92.40
$90.73
$89.05
$87.35
$85.63
$83.90
$82.16
$80.39
$78.62
$76.82
$75.01
$73.18
$71.34
$69.48
$67.60
$65.70
$57.83
$49.88
$41.86
$33.77
$25.60
$17.36
$9.04
$0.64

Principal
$158.70
$160.15
$161.62
$163.10
$164.59
$166.10
$167.63
$169.16
$170.71
$172.28
$173.86
$175.45
$177.06
$178.68
$180.32
$181.97
$183.64
$185.32
$187.02
$188.74
$190.47
$192.21
$193.98
$195.75
$197.55
$199.36
$201.19
$203.03
$204.89
$206.77
$859.13
$867.00
$874.95
$882.97
$891.06
$899.23
$907.47
$915.79
$924.19

$12,619.08
Remaining Balance
$12,460.38
$12,300.24
$12,138.62
$11,975.52
$11,810.92
$11,644.82
$11,477.19
$11,308.03
$11,137.32
$10,965.04
$10,791.18
$10,615.73
$10,438.67
$10,259.99
$10,079.67
$9,897.70
$9,714.06
$9,528.73
$9,341.71
$9,152.97
$8,962.50
$8,770.29
$8,576.32
$8,380.56
$8,183.01
$7,983.65
$7,782.47
$7,579.44
$7,374.55
$7,167.78
$6,308.65
$5,441.65
$4,566.70
$3,683.73
$2,792.67
$1,893.44
$985.97
$70.17
($854.01)

Listing of all debts

Debt
Credit Union Loan
2nd Mortgage
1st Mortgage

Rate
6.0%
9.5%
6.0%

Total Debt
Monthly Income Needed???
Annual Income Needed???

Principal
$19,225.00
$49,612.40
$119,412.57

$188,249.97

# of Pmts
84
142
147

$ / mth
$280.85
$582.82
$1,149.00

Real Debt
$23,591.40
$82,760.44
$168,903.00

$2,012.67

$275,254.84

$5,750.49
$69,005.83

After 39 mths payment goes to $280.85+ $924.83 = $1205.66

Month
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

Payment
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85

6.0%
Interest
$96.13
$95.20
$94.27
$93.34
$92.40
$91.46
$90.51
$89.56
$88.61
$87.64
$86.68
$85.71
$84.73
$83.75
$82.77
$81.78
$80.78
$79.78
$78.77
$77.76
$76.75
$75.73
$74.70
$73.67
$72.64
$71.59
$70.55
$69.50
$68.44
$67.38
$66.31
$65.24
$64.16
$63.08
$61.99
$60.89
$59.79
$58.69
$57.58

Principal
$184.73
$185.65
$186.58
$187.51
$188.45
$189.39
$190.34
$191.29
$192.24
$193.21
$194.17
$195.14
$196.12
$197.10
$198.08
$199.07
$200.07
$201.07
$202.08
$203.09
$204.10
$205.12
$206.15
$207.18
$208.21
$209.26
$210.30
$211.35
$212.41
$213.47
$214.54
$215.61
$216.69
$217.77
$218.86
$219.96
$221.06
$222.16
$223.27

$19,225.00
Remaining Balance
$19,040.28
$18,854.63
$18,668.05
$18,480.54
$18,292.09
$18,102.70
$17,912.37
$17,721.08
$17,528.83
$17,335.63
$17,141.46
$16,946.31
$16,750.19
$16,553.10
$16,355.01
$16,155.94
$15,955.87
$15,754.80
$15,552.72
$15,349.63
$15,145.53
$14,940.41
$14,734.26
$14,527.08
$14,318.87
$14,109.61
$13,899.31
$13,687.96
$13,475.55
$13,262.07
$13,047.53
$12,831.92
$12,615.23
$12,397.46
$12,178.60
$11,958.64
$11,737.58
$11,515.42
$11,292.15

40
41
42
43
44
45
46
47
48
49

$1,205.66
$1,205.66
$1,205.66
$1,205.66
$1,205.66
$1,205.66
$1,205.66
$1,205.66
$1,205.66
$1,205.66

$56.46
$50.71
$44.94
$39.14
$33.30
$27.44
$21.55
$15.63
$9.68
$3.70

$1,149.20
$1,154.95
$1,160.72
$1,166.52
$1,172.36
$1,178.22
$1,184.11
$1,190.03
$1,195.98
$1,201.96

$10,142.95
$8,988.00
$7,827.28
$6,660.76
$5,488.40
$4,310.18
$3,126.07
$1,936.05
$740.07
($461.89)

11.8 years

Listing of all debts

Debt
2nd Mortgage
1st Mortgage

Rate
9.5%
6.0%

Total Debt
Monthly Income Needed???
Annual Income Needed???

Principal
$49,612.40
$119,412.57

$169,024.97

# of Pmts
142
147

$ / mth
$582.82
$1,149.00

Real Debt
$82,760.44
$168,903.00

$1,731.82

$251,663.44

$4,948.06
$59,376.69

After 49 mths payment goes to $582.82+ $1205.66= $1788.48

Month
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

Payment
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82

9.5%
Interest
$392.76
$391.26
$389.74
$388.22
$386.67
$385.12
$383.56
$381.98
$380.39
$378.79
$377.17
$375.54
$373.90
$372.25
$370.58
$368.90
$367.21
$365.50
$363.78
$362.05
$360.30
$358.54
$356.76
$354.97
$353.17
$351.35
$349.52
$347.67
$345.81
$343.93
$342.04
$340.13
$338.21
$336.28
$334.33
$332.36
$330.38
$328.38
$326.36

Principal
$190.06
$191.56
$193.08
$194.60
$196.15
$197.70
$199.26
$200.84
$202.43
$204.03
$205.65
$207.28
$208.92
$210.57
$212.24
$213.92
$215.61
$217.32
$219.04
$220.77
$222.52
$224.28
$226.06
$227.85
$229.65
$231.47
$233.30
$235.15
$237.01
$238.89
$240.78
$242.69
$244.61
$246.54
$248.49
$250.46
$252.44
$254.44
$256.46

$49,612.40
Remaining Balance
$49,422.34
$49,230.79
$49,037.71
$48,843.10
$48,646.96
$48,449.26
$48,250.00
$48,049.16
$47,846.73
$47,642.69
$47,437.04
$47,229.77
$47,020.85
$46,810.28
$46,598.04
$46,384.12
$46,168.51
$45,951.19
$45,732.15
$45,511.37
$45,288.85
$45,064.57
$44,838.51
$44,610.66
$44,381.01
$44,149.54
$43,916.24
$43,681.09
$43,444.08
$43,205.19
$42,964.41
$42,721.72
$42,477.12
$42,230.57
$41,982.08
$41,731.62
$41,479.17
$41,224.73
$40,968.27

40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73

$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$1,788.48
$1,788.48
$1,788.48
$1,788.48
$1,788.48
$1,788.48
$1,788.48
$1,788.48
$1,788.48
$1,788.48
$1,788.48
$1,788.48
$1,788.48
$1,788.48
$1,788.48
$1,788.48
$1,788.48
$1,788.48
$1,788.48
$1,788.48
$1,788.48
$1,788.48
$1,788.48
$1,788.48

$324.33
$322.29
$320.22
$318.14
$316.05
$313.94
$311.81
$309.66
$307.50
$305.32
$303.12
$291.36
$279.51
$267.57
$255.53
$243.39
$231.16
$218.83
$206.40
$193.88
$181.25
$168.53
$155.71
$142.78
$129.75
$116.62
$103.38
$90.04
$76.60
$63.05
$49.39
$35.62
$21.74
$7.75

$258.49
$260.53
$262.60
$264.68
$266.77
$268.88
$271.01
$273.16
$275.32
$277.50
$1,485.36
$1,497.12
$1,508.97
$1,520.91
$1,532.95
$1,545.09
$1,557.32
$1,569.65
$1,582.08
$1,594.60
$1,607.23
$1,619.95
$1,632.77
$1,645.70
$1,658.73
$1,671.86
$1,685.10
$1,698.44
$1,711.88
$1,725.43
$1,739.09
$1,752.86
$1,766.74
$1,780.73

$40,709.78
$40,449.25
$40,186.65
$39,921.98
$39,655.21
$39,386.32
$39,115.31
$38,842.16
$38,566.84
$38,289.34
$36,803.98
$35,306.87
$33,797.90
$32,276.98
$30,744.03
$29,198.94
$27,641.62
$26,071.97
$24,489.89
$22,895.29
$21,288.06
$19,668.12
$18,035.34
$16,389.64
$14,730.91
$13,059.05
$11,373.96
$9,675.52
$7,963.64
$6,238.20
$4,499.11
$2,746.25
$979.51
($801.22)

11.8 years

Listing of all debts

Debt
1st Mortgage

NO DEBT! Debt wa paid in 99 monts

Rate
6.0%

Total Debt
Monthly Income Needed???
Annual Income Needed???

Principal
$119,412.57

$119,412.57

# of Pmts
147

$ / mth
$1,149.00

Real Debt
$168,903.00

$1,149.00

$168,903.00

$3,282.86
$39,394.29

n 99 monts Afte 73 mths payment goes to $1149 + $1788.48 = $2937.48

Month
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

Payment
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00

6.0%
Interest
$597.06
$594.30
$591.53
$588.74
$585.94
$583.13
$580.30
$577.45
$574.60
$571.72
$568.84
$565.94
$563.02
$560.09
$557.15
$554.19
$551.21
$548.22
$545.22
$542.20
$539.17
$536.12
$533.05
$529.97
$526.88
$523.77
$520.64
$517.50
$514.34
$511.17
$507.98
$504.78
$501.55
$498.32
$495.06
$491.79
$488.51
$485.21

Principal
$551.94
$554.70
$557.47
$560.26
$563.06
$565.87
$568.70
$571.55
$574.40
$577.28
$580.16
$583.06
$585.98
$588.91
$591.85
$594.81
$597.79
$600.78
$603.78
$606.80
$609.83
$612.88
$615.95
$619.03
$622.12
$625.23
$628.36
$631.50
$634.66
$637.83
$641.02
$644.22
$647.45
$650.68
$653.94
$657.21
$660.49
$663.79

$119,412.57
Remaining Balance
$118,860.63
$118,305.94
$117,748.47
$117,188.21
$116,625.15
$116,059.27
$115,490.57
$114,919.02
$114,344.62
$113,767.34
$113,187.18
$112,604.11
$112,018.14
$111,429.23
$110,837.37
$110,242.56
$109,644.77
$109,044.00
$108,440.22
$107,833.42
$107,223.58
$106,610.70
$105,994.76
$105,375.73
$104,753.61
$104,128.38
$103,500.02
$102,868.52
$102,233.86
$101,596.03
$100,955.01
$100,310.78
$99,663.34
$99,012.66
$98,358.72
$97,701.51
$97,041.02
$96,377.22

39
40
41
42
43
44
45
46
47
48
49
50
51
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

$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$2,937.48
$2,937.48
$2,937.48
$2,937.48
$2,937.48
$2,937.48
$2,937.48
$2,937.48

$481.89
$478.55
$475.20
$471.83
$468.44
$465.04
$461.62
$458.18
$454.73
$451.26
$447.77
$444.26
$440.74
$437.20
$433.64
$430.06
$426.47
$422.86
$419.22
$415.58
$411.91
$408.22
$404.52
$400.80
$397.06
$393.30
$389.52
$385.72
$381.90
$378.07
$374.21
$370.34
$366.45
$362.53
$358.60
$354.65
$341.74
$328.76
$315.71
$302.60
$289.43
$276.19
$262.88

$667.11
$670.45
$673.80
$677.17
$680.56
$683.96
$687.38
$690.82
$694.27
$697.74
$701.23
$704.74
$708.26
$711.80
$715.36
$718.94
$722.53
$726.14
$729.78
$733.42
$737.09
$740.78
$744.48
$748.20
$751.94
$755.70
$759.48
$763.28
$767.10
$770.93
$774.79
$778.66
$782.55
$786.47
$790.40
$2,582.83
$2,595.74
$2,608.72
$2,621.77
$2,634.88
$2,648.05
$2,661.29
$2,674.60

$95,710.11
$95,039.66
$94,365.86
$93,688.69
$93,008.13
$92,324.17
$91,636.79
$90,945.98
$90,251.71
$89,553.97
$88,852.74
$88,148.00
$87,439.74
$86,727.94
$86,012.58
$85,293.64
$84,571.11
$83,844.97
$83,115.19
$82,381.77
$81,644.67
$80,903.90
$80,159.42
$79,411.21
$78,659.27
$77,903.57
$77,144.09
$76,380.81
$75,613.71
$74,842.78
$74,067.99
$73,289.33
$72,506.78
$71,720.31
$70,929.91
$68,347.08
$65,751.34
$63,142.62
$60,520.85
$57,885.97
$55,237.92
$52,576.63
$49,902.04

82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99

$2,937.48
$2,937.48
$2,937.48
$2,937.48
$2,937.48
$2,937.48
$2,937.48
$2,937.48
$2,937.48
$2,937.48
$2,937.48
$2,937.48
$2,937.48
$2,937.48
$2,937.48
$2,937.48
$2,937.48
$2,937.48

$249.51
$236.07
$222.56
$208.99
$195.35
$181.64
$167.86
$154.01
$140.09
$126.10
$112.05
$97.92
$83.72
$69.45
$55.11
$40.70
$26.22
$11.66

$2,687.97
$2,701.41
$2,714.92
$2,728.49
$2,742.13
$2,755.84
$2,769.62
$2,783.47
$2,797.39
$2,811.38
$2,825.43
$2,839.56
$2,853.76
$2,868.03
$2,882.37
$2,896.78
$2,911.26
$2,925.82

$47,214.07
$44,512.66
$41,797.74
$39,069.25
$36,327.11
$33,571.27
$30,801.65
$28,018.17
$25,220.79
$22,409.41
$19,583.98
$16,744.42
$13,890.66
$11,022.63
$8,140.26
$5,243.49
$2,332.22
($593.60)

11.8 years