Final Assignment Part B

As a financial planner, you have been asked by the bishop to help a family in the ward. You have met with Brother and Siste
to gather all of their financial information and present it to you. During the last meeting they expressed dispair concerning th
with the following information. They have expressed a sincere desire to put their financial life in order, no matter what sacrifi

You have suggested a family council, and they have explained to their 3 children that everyone will be involved in learning co
During your previous visit you helped them cut up all of their credit cards. They have made a commitment to "pay as you go
You have been asked to prepare a comprehensive financial plan that will help them now, as well as prepare them for retirem
Brother and Sister Hopeful are both 35 years old.

Brother Hopeful has a good job and brings home $4,800 / month in net take home pay. He does have a profit sharing progr
in the amount of $150 / month. Sister Hopeful does a small part time job out of their home while the children are at school a

They currently have 2 cars. The older car is paid off, but they still have a payment of $200 / month on the new car for 28 mo
but they have a first mortgage payment of $1,149.00 / month on the loan at 6% APR, and $582.82 / month payment on the 2
When they purchased their home 8 years ago they made a substantial downpayment, and their home is currently worth $17

The average monthly expenses that they have provided show the following: $450 / food, $155 / several lessons for each ch
$70 / life insurance, $200 / medical insurance, $120 / car insurance for both cars, $25 / internet, $95 / cable TV, $275 / all ut
$85 / cell phone program for both, $170 / gas for both cars, $85 / bowling league, $35 / newspaper, $30 / misc.
They pay $615 in tithing and offerings and $35 to other charities.

They have given you the following information concerning their debt. Because they cannot make all of their payments, they
and in some cases, they have missed payments. They are always receiving debt collection phone calls and there is significa
Sister Hopeful's mother has made some of the payments for them, but her family is not very well off and can't help much lon

Amount
$6,000.00
$1,000.00
$12,619.08
$19,225.00
$5,200.00
$1,969.78
$1,876.97
$49,612.40
$119,412.57
$216,915.80

APR %
12.0%
15.0%
11.0%
6.0%
7.0%
12.0%
15.0%
9.5%
6.0%

Current Payments
Payment Remaining Description
$158.00
48
Credit Card #1
$34.67
36
Credit Card #2
$274.37
60
Credit Card #3
$280.85
84
Credit Union Loan
$200.00
28
Car Loan
$92.72
24
Gas Credit Card
$65.07
36
Medical Bill
$582.82
142
2nd Mortgage
$1,149.00
147
1st Mortgage
$2,837.50

Total debt

After reading your written report, the bishop has asked you to serve on a ward council welfare committee to help this faithful
As a minimum, the committee has been asked to prepare a monthly budget of their current situation, a proposed budget to h
eliminate all of their debt and prepare them for retirement.

You will receive up to 5 points for the budget of their current situation, up to 10 points for a proposed budget along with sugg
and you will receive up to 10 points for a detailed plan to eliminate their debt and establish a retirement plan (5 + 10 + 10 = 2
Submit all of your completed spreadsheet for grading.

278790621.xlsx, 08/07/2015

rd. You have met with Brother and Sister Hopeful and have asked them
ng they expressed dispair concerning their situation and presented you
ancial life in order, no matter what sacrifices they have to make.

t everyone will be involved in learning correct principles for everyone's long term benefit.
e made a commitment to "pay as you go", but need help to know where to begin.
now, as well as prepare them for retirement.

ay. He does have a profit sharing program where the company contributes to his 401k
home while the children are at school and brings home a net take home paycheck of $350 per month.

$200 / month on the new car for 28 more months at 7% APR. They own their home
, and $582.82 / month payment on the 2nd mortgage at 9.5% APR.
t, and their home is currently worth $175,000.

ood, $155 / several lessons for each child, $30 / laundry, $20 / dry cleaning, $15 / gifts
5 / internet, $95 / cable TV, $275 / all utilities, $75 home phone service,
5 / newspaper, $30 / misc.

cannot make all of their payments, they have been making minimum payments,
llection phone calls and there is significant stress in their home.
not very well off and can't help much longer.

il welfare committee to help this faithful family.

current situation, a proposed budget to help them progress forward, and a detailed plan to

s for a proposed budget along with suggested changes to meet your plans,
ablish a retirement plan (5 + 10 + 10 = 25 points total).

278790621.xlsx, 08/07/2015

$ per/hr

PT Hours

Brother Hopeful
Sister Hopeful
Total

Income
Gross Combined Income
Combined Take Home Pay
Expenses
Contributions
1st Mortagage+ 2nd Mortgage
Utilities
Gas
Insurance
Phone
Groceries
Clothing
Bowling Leauge
lessons
Car
Internet&Cable
Gifts
Credit Cards
Medical Bill
misscilllaneous
Newspaper
Total Expenses

Income Calculations
PT Salary FT Hours

May

Jun

Jul

$ 5,150.00

$ 5,150.00

5,150.00

$ 650.00
$ 1,731.82
$ 275.00
$ 170.00
$ 390.00

$ 650.00
$ 1,731.82
$ 275.00
$ 170.00
$ 390.00

$
$
$
$
$

$ 160.00
$ 450.00
$
50.00
$
85.00
$ 155.00
$ 200.00
$ 120.00
$
15.00
$ 840.61
$
65.07
$
30.00
$
35.00
$ 5,422.50

$ 160.00
$ 450.00
$
50.00
$
85.00
$ 155.00
$ 200.00
$ 120.00
$
15.00
$ 840.61
$
65.07
$
30.00
$
35.00
$ 5,422.50

$
$
$
$
$
$
$
$
$
$
$
$
$

FT Salary
$ 4,800.00
$
350.00
$ 5,150.00

Aug

Sep

5,150.00 $

5,150.00

650.00
1,731.82
275.00
170.00
390.00

$
$
$
$
$

650.00
1,731.82
275.00
170.00
390.00

$
$
$
$
$

650.00
1,731.82
275.00
170.00
390.00

160.00
450.00
50.00
85.00
155.00
200.00
120.00
15.00
840.61
65.07
30.00
35.00
5,422.50

$
$
$
$
$
$
$
$
$
$
$
$
$

160.00
450.00
50.00
85.00
155.00
200.00
120.00
15.00
840.61
65.07
30.00
35.00
5,422.50

$
$
$
$
$
$
$
$
$
$
$
$
$

160.00
450.00
50.00
85.00
155.00
200.00
120.00
15.00
840.61
65.07
30.00
35.00
5,422.50

Surplus / (Deficit)

$ (272.50) $ (5,422.50) $ (5,422.50) $ (5,422.50) $ (5,422.50)

Total Savings/(Debt)

$ (272.50) $ (5,695.00) $ (11,117.50) $ (16,540.00) $ (21,962.50)

Their current budget is

-272.5

Aug Salary

$
$
$

Oct

Nov

Dec

Jan

Feb

Mar

5,150.00 $

5,150.00

5,150.00

5,150.00

$
$
$
$
$

650.00
1,731.82
275.00
170.00
390.00

$
$
$
$
$

650.00
1,731.82
275.00
170.00
390.00

$
$
$
$
$

650.00
1,731.82
275.00
170.00
390.00

$
$
$
$
$

$
$
$
$
$
$
$
$
$
$
$
$
$

160.00
450.00
50.00
85.00
155.00
200.00
120.00
15.00
840.61
65.07
30.00
35.00
5,422.50

$
$
$
$
$
$
$
$
$
$
$
$
$

160.00
450.00
50.00
85.00
155.00
200.00
120.00
15.00
840.61
65.07
30.00
35.00
5,422.50

$
$
$
$
$
$
$
$
$
$
$
$
$

160.00
450.00
50.00
85.00
155.00
200.00
120.00
15.00
840.61
65.07
30.00
35.00
5,422.50

$
$
$
$
$
$
$
$
$
$
$
$
$

Apr

5,150.00 $

5,150.00

5,150.00

650.00
1,731.82
275.00
170.00
390.00

$
$
$
$
$

650.00
1,731.82
275.00
170.00
390.00

$
$
$
$
$

650.00
1,731.82
275.00
170.00
390.00

$
$
$
$
$

650.00
1,731.82
275.00
170.00
390.00

160.00
450.00
50.00
85.00
155.00
200.00
120.00
15.00
840.61
65.07
30.00
35.00
5,422.50

$
$
$
$
$
$
$
$
$
$
$
$
$

160.00
450.00
50.00
85.00
155.00
200.00
120.00
15.00
840.61
65.07
30.00
35.00
5,422.50

$
$
$
$
$
$
$
$
$
$
$
$
$

160.00
450.00
50.00
85.00
155.00
200.00
120.00
15.00
840.61
65.07
30.00
35.00
5,422.50

$
$
$
$
$
$
$
$
$
$
$
$
$

160.00
450.00
50.00
85.00
155.00
200.00
120.00
15.00
840.61
65.07
30.00
35.00
5,422.50

$ (5,422.50) $ (5,422.50) $ (5,422.50) $ (5,422.50) $ (5,422.50) $ (5,422.50) $ (5,422.50)

$ (27,385.00) $ (32,807.50) $ (38,230.00) $ (43,652.50) $ (49,075.00) $ (54,497.50) $ (59,920.00)

Total
$ 61,800.00

$ 7,800.00
$ 20,781.84
$ 3,300.00
$ 2,040.00
$ 4,680.00
$ 1,920.00
$ 5,400.00
$
600.00
$ 1,020.00
$ 1,860.00
$ 2,400.00
$ 1,440.00
$
180.00
$ 10,087.32
$
780.84
$
360.00
$
420.00
$ 65,070.00

In order to have a positive budget we would like to change

Lessons

Food

Expenses Reduction
$155.00
$55.00 Look for cheaper classes

$450.00

They spent too much on food

every month, food is not a fixed
expense. The family should
$50.00 reduce this cost by writing down
a shopping list and sticking to it.
Buying essentials and and the
needs.
$35.00 They have to cancel the
newpaper subscription, and they
should read free online news.
$50.00 Do laundry at home

Newspaper

$35.00

Laundry/drycleaning

$50.00

Homephone

$75.00

Both of them have cellphone, so

$75.00 they don't need homephone
services.

$120.00

Re-evaluate the insurance, they

might be able to get some
discounts based on how long
$20.00 they've been driving & no
accidents. Or they can look for
cheaper insurance and drive
carefully to avoid accidents.

$95.00

Cable is an unnecessary
expense, they can get normal
$95.00 free channels or Neflix @ $8 per
month, or use internet to watch
movies.

Car insurance

Cable

Utilities

$275.00

Gas, water and electricity are

also not fixed expenses. There
can reduce the cost. They can
$75.00 reduce using the heat, ensure
that all the lights are switched off
if there is no one in the room,
have shorter showers, cook
meals that can be eaten for more
than one day so that they do not
have to cook everyday,

Bowling League
Total

$85.00

$85.00 It is unnecessary. They can do

exercices or do others hobbies
activities at the park. It is FREE.
$540.00
$267.50

After we have reduced their expenses we got positive amount. They can have $267.50 after their expense

7.50 after their expenses.

Listing of all debts

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

Rate
12.0%
7.0%
15.0%
15.0%
12.0%
11.0%
6.0%
9.5%
6%

Principal
$1,969.78
$5,200.00
$1,000.00
$1,876.97
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.80

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

Monthly Income Needed???

Annual Income Needed???
How many years to get completely out of debt?
How much in the back when you complete 30 years of payments?

$ / mth
$92.72
$200.00
$34.67
$65.07
$158.00
$274.37
$280.85
$582.82
$1,149.00
$2,837.50
$8,107.14
$97,285.71

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

Listing of all debts

Debt
Rate
Gas Credit Card
12.0%
Car Loan
7.0%
Credit Card #2
15.0%
Medical Bill
15.0%
Credit Card #1
12.0%
Credit Card #3
11.0%
Credit Union Loan
6.0%
2nd Mortgage
9.5%
1st Mortgage
6%
Total Debt
Monthly Income Needed???
Annual Income Needed???

Principal
$1,969.78
$5,200.00
$1,000.00
$1,876.97
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.80

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

$ / mth
$92.72
$200.00
$34.67
$65.07
$158.00
$274.37
$280.85
$582.82
$1,149.00
$2,837.50
$8,107.14
$97,285.71

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

First Debt = $92.72 + $267 = $359.72

Month
1
2
3
4
5
6

Payment
$359.72
$359.72
$359.72
$359.72
$359.72
$359.72

12.0%
Interest
$19.70
$16.30
$12.86
$9.39
$5.89
$2.35

Principal
$340.02
$343.42
$346.86
$350.33
$353.83
$357.37

$1,969.78
Remaining Balance
$1,629.76
$1,286.34
$939.48
$589.15
$235.33
($122.04)

Listing of all debts

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

Rate
12.0%
7.0%
15.0%
15.0%
12.0%
11.0%
6.0%
9.5%
6%

Monthly Income Needed???

Annual Income Needed???

Principal
$1,969.78
$5,200.00
$1,000.00
$1,876.97
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.80

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

$ / mth
$92.72
$200.00
$34.67
$65.07
$158.00
$274.37
$280.85
$582.82
$1,149.00
$2,837.50
$8,107.14
$97,285.71

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

Second Debt, after 6 mths payment goes to $200 + $359.72 = $559.72

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

Payment
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$559.72
$559.72
$559.72
$559.72
$559.72
$559.72
$559.72
$559.72

7.0%
Interest
$30.33
$29.34
$28.35
$27.35
$26.34
$25.33
$24.31
$21.18
$18.04
$14.88
$11.71
$8.51
$5.29
$2.06

Principal
$169.67
$170.66
$171.65
$172.65
$173.66
$174.67
$535.41
$538.54
$541.68
$544.84
$548.01
$551.21
$554.43
$557.66

$5,200.00
Remaining Balance
$5,030.33
$4,859.68
$4,688.03
$4,515.37
$4,341.71
$4,167.04
$3,631.63
$3,093.09
$2,551.41
$2,006.58
$1,458.56
$907.35
$352.92
($204.74)

Listing of all debts

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

Rate
12.0%
7.0%
15.0%
15.0%
12.0%
11.0%
6.0%
9.5%
6%

Monthly Income Needed???

Annual Income Needed???

Principal
$1,969.78
$5,200.00
$1,000.00
$1,876.97
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.80

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

$ / mth
$92.72
$200.00
$34.67
$65.07
$158.00
$274.37
$280.85
$582.82
$1,149.00
$2,837.50
$8,107.14
$97,285.71

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

3rd Debt, after 14 mths payment goes to $34.67 + $559.72 = $594.39

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

Payment
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$34.67
$594.39
$594.39

15.0%
Interest
$12.50
$12.22
$11.94
$11.66
$11.37
$11.08
$10.78
$10.49
$10.18
$9.88
$9.57
$9.25
$8.94
$8.61
$8.29
$0.96

Principal
$22.17
$22.45
$22.73
$23.01
$23.30
$23.59
$23.89
$24.18
$24.49
$24.79
$25.10
$25.42
$25.73
$26.06
$586.10
$593.43

$1,000.00
Remaining Balance
$977.83
$955.38
$932.66
$909.64
$886.34
$862.75
$838.87
$814.68
$790.20
$765.40
$740.30
$714.89
$689.15
$663.10
$76.99
($516.43)

594.39

Listing of all debts

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

Rate
12.0%
7.0%
15.0%
15.0%
12.0%
11.0%
6.0%
9.5%
6%

Monthly Income Needed???

Annual Income Needed???

Principal
$1,969.78
$5,200.00
$1,000.00
$1,876.97
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.80

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

$ / mth
$92.72
$200.00
$34.67
$65.07
$158.00
$274.37
$280.85
$582.82
$1,149.00
$2,837.50
$8,107.14
$97,285.71

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

4th Debt, after 16 mths payment goes to $65.07 + $594.39 = $659.46

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

Payment
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$65.07
$659.46
$659.46

15.0%
Interest
$23.46
$22.94
$22.42
$21.88
$21.34
$20.80
$20.24
$19.68
$19.11
$18.54
$17.96
$17.37
$16.77
$16.17
$15.56
$14.94
$14.31
$6.25

Principal
$41.61
$42.13
$42.65
$43.19
$43.73
$44.27
$44.83
$45.39
$45.96
$46.53
$47.11
$47.70
$48.30
$48.90
$49.51
$50.13
$645.15
$653.21

$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
$1,483.22
$1,436.69
$1,389.58
$1,341.88
$1,293.58
$1,244.68
$1,195.17
$1,145.04
$499.89
($153.32)

659.46

Listing of all debts

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

Rate
12.0%
7.0%
15.0%
15.0%
12.0%
11.0%
6.0%
9.5%
6%

Monthly Income Needed???

Annual Income Needed???

Principal
$1,969.78
$5,200.00
$1,000.00
$1,876.97
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.80

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

$ / mth
$92.72
$200.00
$34.67
$65.07
$158.00
$274.37
$280.85
$582.82
$1,149.00
$2,837.50
$8,107.14
$97,285.71

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

After 18 mths payment goes to $158.00 + $659.46 = $817.46

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
$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
$817.46
$817.46
$817.46
$817.46
$817.46
$817.46

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
$33.01
$25.17
$17.24
$9.24
$1.16

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
$776.68
$784.45
$792.29
$800.22
$808.22
$816.30

$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
$3,301.07
$2,516.62
$1,724.33
$924.11
$115.89
($700.41)

817.46

Listing of all debts

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

Rate
12.0%
7.0%
15.0%
15.0%
12.0%
11.0%
6.0%
9.5%
6%

Monthly Income Needed???

Annual Income Needed???

Principal
$1,969.78
$5,200.00
$1,000.00
$1,876.97
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.80

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

$ / mth
$92.72
$200.00
$34.67
$65.07
$158.00
$274.37
$280.85
$582.82
$1,149.00
$2,837.50
$8,107.14
$97,285.71

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

After 24 mths payment goes to $274.37 + $817.46 = $1,091.83

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

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
$1,091.83
$1,091.83
$1,091.83
$1,091.83
$1,091.83
$1,091.83
$1,091.83
$1,091.83

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
$67.52
$58.13
$48.65
$39.09
$29.44
$19.70
$9.87

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
$1,015.01
$1,024.31
$1,033.70
$1,043.18
$1,052.74
$1,062.39
$1,072.13
$1,081.96

$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
$7,365.55
$6,341.24
$5,307.54
$4,264.36
$3,211.62
$2,149.23
$1,077.10
($4.85)

1091.83

Listing of all debts

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

Rate
12.0%
7.0%
15.0%
15.0%
12.0%
11.0%
6.0%
9.5%
6%

Monthly Income Needed???

Annual Income Needed???

Principal
$1,969.78
$5,200.00
$1,000.00
$1,876.97
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.80

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

$ / mth
$92.72
$200.00
$34.67
$65.07
$158.00
$274.37
$280.85
$582.82
$1,149.00
$2,837.50
$8,107.14
$97,285.71

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

After 32 mths payment goes to $280.85 + $1,091.87 = $1372.72

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
$1,372.72
$1,372.72
$1,372.72
$1,372.72
$1,372.72
$1,372.72
$1,372.72

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
$57.62
$51.04
$44.43
$37.79
$31.12
$24.41

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
$1,308.56
$1,315.10
$1,321.68
$1,328.29
$1,334.93
$1,341.60
$1,348.31

$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
$11,523.36
$10,208.26
$8,886.58
$7,558.29
$6,223.36
$4,881.76
$3,533.45

40
41
42

$1,372.72
$1,372.72
$1,372.72

$17.67
$10.89
$4.08

$1,355.05
$1,361.83
$1,368.64

$2,178.40
$816.57
($552.07)

1372.72

Listing of all debts

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

Rate
12.0%
7.0%
15.0%
15.0%
12.0%
11.0%
6.0%
9.5%
6%

Monthly Income Needed???

Annual Income Needed???

Principal
$1,969.78
$5,200.00
$1,000.00
$1,876.97
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.80

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

$ / mth
$92.72
$200.00
$34.67
$65.07
$158.00
$274.37
$280.85
$582.82
$1,149.00
$2,837.50
$8,107.14
$97,285.71

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

After 42 mths payment goes to $582.82 + $1,372.72 = $1955.54

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

$582.82
$582.82
$582.82
$1,955.54
$1,955.54
$1,955.54
$1,955.54
$1,955.54
$1,955.54
$1,955.54
$1,955.54
$1,955.54
$1,955.54
$1,955.54
$1,955.54
$1,955.54
$1,955.54
$1,955.54
$1,955.54
$1,955.54
$1,955.54
$1,955.54
$1,955.54
$1,955.54
$1,955.54
$1,955.54

$324.33
$322.29
$320.22
$318.14
$305.18
$292.12
$278.95
$265.67
$252.30
$238.81
$225.22
$211.52
$197.72
$183.80
$169.77
$155.64
$141.39
$127.03
$112.55
$97.96
$83.25
$68.43
$53.49
$38.43
$23.26
$7.96

$258.49
$260.53
$262.60
$1,637.40
$1,650.36
$1,663.42
$1,676.59
$1,689.87
$1,703.24
$1,716.73
$1,730.32
$1,744.02
$1,757.82
$1,771.74
$1,785.77
$1,799.90
$1,814.15
$1,828.51
$1,842.99
$1,857.58
$1,872.29
$1,887.11
$1,902.05
$1,917.11
$1,932.28
$1,947.58

$40,709.78
$40,449.25
$40,186.65
$38,549.26
$36,898.90
$35,235.48
$33,558.88
$31,869.02
$30,165.77
$28,449.05
$26,718.73
$24,974.71
$23,216.89
$21,445.15
$19,659.38
$17,859.48
$16,045.33
$14,216.81
$12,373.82
$10,516.24
$8,643.96
$6,756.85
$4,854.80
$2,937.69
$1,005.41
($942.17)

1372.72
1955.54

Listing of all debts

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

Rate
12.0%
7.0%
15.0%
15.0%
12.0%
11.0%
6.0%
9.5%
6%

Monthly Income Needed???

Annual Income Needed???

Principal
$1,969.78
$5,200.00
$1,000.00
$1,876.97
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.80

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

$ / mth
$92.72
$200.00
$34.67
$65.07
$158.00
$274.37
$280.85
$582.82
$1,149.00
$2,837.50
$8,107.14
$97,285.71

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

After 65 mths payment goes to $1,149.00 + $1,955.54 = $3104.54

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
$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
$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
$481.89

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
$667.11

$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
$95,710.11

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
82

$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
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64

$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
$372.13
$358.46
$344.73
$330.93
$317.06
$303.13
$289.12
$275.04
$260.89
$246.67
$232.38
$218.02
$203.59
$189.09
$174.51
$159.86

$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
$2,718.92
$2,732.51
$2,746.18
$2,759.91
$2,773.71
$2,787.58
$2,801.51
$2,815.52
$2,829.60
$2,843.75
$2,857.97
$2,872.26
$2,886.62
$2,901.05
$2,915.55
$2,930.13
$2,944.78

$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
$74,425.17
$71,692.65
$68,946.47
$66,186.57
$63,412.86
$60,625.28
$57,823.77
$55,008.25
$52,178.65
$49,334.90
$46,476.94
$43,604.68
$40,718.07
$37,817.02
$34,901.46
$31,971.33
$29,026.55

83
84
85
86
87
88
89
90
91
92
7.7 years

$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64

$145.13
$130.34
$115.46
$100.52
$85.50
$70.40
$55.23
$39.98
$24.66
$9.26

$2,959.51
$2,974.30
$2,989.18
$3,004.12
$3,019.14
$3,034.24
$3,049.41
$3,064.66
$3,079.98
$3,095.38

$26,067.04
$23,092.73
$20,103.56
$17,099.44
$14,080.29
$11,046.05
$7,996.64
$4,931.99
$1,852.01
($1,243.37)

1372.72
1955.54
3104.54

7.6666667

No Debt left. Money goes into an investment at 10.0%

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

Rate
12.0%
7.0%
15.0%
15.0%
12.0%
11.0%
6.0%
9.5%
6%

Monthly Income Needed???

Annual Income Needed???

Principal
$1,969.78
$5,200.00
$1,000.00
$1,876.97
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.80

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

$ / mth
$92.72
$200.00
$34.67
$65.07
$158.00
$274.37
$280.85
$582.82
$1,149.00
$2,837.50
$8,107.14
$97,285.71

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

More interest
than payment

Total Investme

After 92 mths payment of $3,104.64 goes into an investment until month 360

Month
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131

Payment
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64

10.0%
Interest
$0.00
$25.87
$51.96
$78.26
$104.79
$131.53
$158.50
$185.70
$213.11
$240.76
$268.64
$296.75
$325.10
$353.68
$382.50
$411.56
$440.86
$470.40
$500.20
$530.24
$560.53
$591.07
$621.87
$652.92
$684.23
$715.81
$747.65
$779.75
$812.12
$844.76
$877.67
$910.86
$944.32
$978.06
$1,012.08
$1,046.39
$1,080.98
$1,115.86
$1,151.03

Ttl Investment
$3,104.64
$3,130.51
$3,156.60
$3,182.90
$3,209.43
$3,236.17
$3,263.14
$3,290.34
$3,317.75
$3,345.40
$3,373.28
$3,401.39
$3,429.74
$3,458.32
$3,487.14
$3,516.20
$3,545.50
$3,575.04
$3,604.84
$3,634.88
$3,665.17
$3,695.71
$3,726.51
$3,757.56
$3,788.87
$3,820.45
$3,852.29
$3,884.39
$3,916.76
$3,949.40
$3,982.31
$4,015.50
$4,048.96
$4,082.70
$4,116.72
$4,151.03
$4,185.62
$4,220.50
$4,255.67

$0.00
Ending Balance
$3,104.64
$6,235.15
$9,391.75
$12,574.66
$15,784.08
$19,020.26
$22,283.40
$25,573.74
$28,891.49
$32,236.89
$35,610.17
$39,011.57
$42,441.30
$45,899.62
$49,386.76
$52,902.95
$56,448.45
$60,023.49
$63,628.33
$67,263.21
$70,928.37
$74,624.08
$78,350.59
$82,108.15
$85,897.03
$89,717.47
$93,569.76
$97,454.15
$101,370.91
$105,320.30
$109,302.61
$113,318.11
$117,367.07
$121,449.76
$125,566.49
$129,717.51
$133,903.13
$138,123.63
$142,379.30

132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174

$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64

$1,186.49
$1,222.25
$1,258.31
$1,294.67
$1,331.33
$1,368.30
$1,405.57
$1,443.16
$1,481.05
$1,519.27
$1,557.80
$1,596.65
$1,635.83
$1,675.34
$1,715.17
$1,755.33
$1,795.83
$1,836.67
$1,877.85
$1,919.37
$1,961.24
$2,003.45
$2,046.02
$2,088.94
$2,132.22
$2,175.86
$2,219.87
$2,264.24
$2,308.98
$2,354.09
$2,399.58
$2,445.45
$2,491.70
$2,538.34
$2,585.36
$2,632.78
$2,680.59
$2,728.80
$2,777.41
$2,826.43
$2,875.85
$2,925.69
$2,975.94

$4,291.13
$4,326.89
$4,362.95
$4,399.31
$4,435.97
$4,472.94
$4,510.21
$4,547.80
$4,585.69
$4,623.91
$4,662.44
$4,701.29
$4,740.47
$4,779.98
$4,819.81
$4,859.97
$4,900.47
$4,941.31
$4,982.49
$5,024.01
$5,065.88
$5,108.09
$5,150.66
$5,193.58
$5,236.86
$5,280.50
$5,324.51
$5,368.88
$5,413.62
$5,458.73
$5,504.22
$5,550.09
$5,596.34
$5,642.98
$5,690.00
$5,737.42
$5,785.23
$5,833.44
$5,882.05
$5,931.07
$5,980.49
$6,030.33
$6,080.58

$146,670.44
$150,997.33
$155,360.28
$159,759.59
$164,195.56
$168,668.50
$173,178.71
$177,726.50
$182,312.20
$186,936.11
$191,598.55
$196,299.84
$201,040.31
$205,820.29
$210,640.10
$215,500.07
$220,400.55
$225,341.86
$230,324.35
$235,348.36
$240,414.23
$245,522.32
$250,672.98
$255,866.56
$261,103.43
$266,383.93
$271,708.43
$277,077.31
$282,490.93
$287,949.66
$293,453.88
$299,003.97
$304,600.31
$310,243.28
$315,933.29
$321,670.70
$327,455.93
$333,289.37
$339,171.42
$345,102.49
$351,082.99
$357,113.32
$363,193.90

175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217

$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64

$3,026.62
$3,077.71
$3,129.23
$3,181.18
$3,233.56
$3,286.38
$3,339.64
$3,393.34
$3,447.49
$3,502.09
$3,557.15
$3,612.66
$3,668.64
$3,725.08
$3,782.00
$3,839.39
$3,897.25
$3,955.60
$4,014.44
$4,073.76
$4,133.58
$4,193.90
$4,254.72
$4,316.05
$4,377.89
$4,440.24
$4,503.12
$4,566.52
$4,630.44
$4,694.90
$4,759.90
$4,825.43
$4,891.52
$4,958.15
$5,025.34
$5,093.09
$5,161.41
$5,230.29
$5,299.75
$5,369.79
$5,440.41
$5,511.61
$5,583.42

$6,131.26
$6,182.35
$6,233.87
$6,285.82
$6,338.20
$6,391.02
$6,444.28
$6,497.98
$6,552.13
$6,606.73
$6,661.79
$6,717.30
$6,773.28
$6,829.72
$6,886.64
$6,944.03
$7,001.89
$7,060.24
$7,119.08
$7,178.40
$7,238.22
$7,298.54
$7,359.36
$7,420.69
$7,482.53
$7,544.88
$7,607.76
$7,671.16
$7,735.08
$7,799.54
$7,864.54
$7,930.07
$7,996.16
$8,062.79
$8,129.98
$8,197.73
$8,266.05
$8,334.93
$8,404.39
$8,474.43
$8,545.05
$8,616.25
$8,688.06

$369,325.16
$375,507.51
$381,741.38
$388,027.19
$394,365.39
$400,756.41
$407,200.69
$413,698.67
$420,250.80
$426,857.53
$433,519.31
$440,236.61
$447,009.89
$453,839.61
$460,726.25
$467,670.28
$474,672.17
$481,732.41
$488,851.49
$496,029.89
$503,268.11
$510,566.65
$517,926.02
$525,346.71
$532,829.23
$540,374.12
$547,981.88
$555,653.03
$563,388.11
$571,187.65
$579,052.19
$586,982.27
$594,978.43
$603,041.22
$611,171.20
$619,368.94
$627,634.98
$635,969.92
$644,374.30
$652,848.73
$661,393.78
$670,010.03
$678,698.09

218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261

$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64

$5,655.82
$5,728.82
$5,802.43
$5,876.66
$5,951.50
$6,026.97
$6,103.07
$6,179.80
$6,257.17
$6,335.18
$6,413.85
$6,493.17
$6,573.15
$6,653.80
$6,735.12
$6,817.12
$6,899.80
$6,983.17
$7,067.24
$7,152.00
$7,237.47
$7,323.66
$7,410.56
$7,498.19
$7,586.54
$7,675.64
$7,765.47
$7,856.06
$7,947.40
$8,039.50
$8,132.36
$8,226.01
$8,320.43
$8,415.64
$8,511.64
$8,608.44
$8,706.05
$8,804.47
$8,903.71
$9,003.78
$9,104.69
$9,206.43
$9,309.02

$8,760.46
$8,833.46
$8,907.07
$8,981.30
$9,056.14
$9,131.61
$9,207.71
$9,284.44
$9,361.81
$9,439.82
$9,518.49
$9,597.81
$9,677.79
$9,758.44
$9,839.76
$9,921.76
$10,004.44
$10,087.81
$10,171.88
$10,256.64
$10,342.11
$10,428.30
$10,515.20
$10,602.83
$10,691.18
$10,780.28
$10,870.11
$10,960.70
$11,052.04
$11,144.14
$11,237.00
$11,330.65
$11,425.07
$11,520.28
$11,616.28
$11,713.08
$11,810.69
$11,909.11
$12,008.35
$12,108.42
$12,209.33
$12,311.07
$12,413.66

$687,458.55
$696,292.01
$705,199.08
$714,180.38
$723,236.52
$732,368.13
$741,575.84
$750,860.28
$760,222.09
$769,661.91
$779,180.40
$788,778.21
$798,456.00
$808,214.44
$818,054.20
$827,975.96
$837,980.40
$848,068.21
$858,240.09
$868,496.73
$878,838.84
$889,267.14
$899,782.34
$910,385.16
$921,076.35
$931,856.62
$942,726.73
$953,687.43
$964,739.47
$975,883.60
$987,120.61
$998,451.25
$1,009,876.32
$1,021,396.59
$1,033,012.87
$1,044,725.95
$1,056,536.64
$1,068,445.75
$1,080,454.11
$1,092,562.53
$1,104,771.86
$1,117,082.93
$1,129,496.60

262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304

$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64

$9,412.47
$9,516.78
$9,621.96
$9,728.01
$9,834.95
$9,942.78
$10,051.51
$10,161.15
$10,271.69
$10,383.16
$10,495.56
$10,608.90
$10,723.18
$10,838.41
$10,954.60
$11,071.76
$11,189.90
$11,309.02
$11,429.13
$11,550.25
$11,672.37
$11,795.51
$11,919.68
$12,044.88
$12,171.13
$12,298.43
$12,426.79
$12,556.22
$12,686.72
$12,818.32
$12,951.01
$13,084.81
$13,219.72
$13,355.75
$13,492.92
$13,631.24
$13,770.70
$13,911.33
$14,053.13
$14,196.11
$14,340.28
$14,485.66
$14,632.24

$12,517.11
$12,621.42
$12,726.60
$12,832.65
$12,939.59
$13,047.42
$13,156.15
$13,265.79
$13,376.33
$13,487.80
$13,600.20
$13,713.54
$13,827.82
$13,943.05
$14,059.24
$14,176.40
$14,294.54
$14,413.66
$14,533.77
$14,654.89
$14,777.01
$14,900.15
$15,024.32
$15,149.52
$15,275.77
$15,403.07
$15,531.43
$15,660.86
$15,791.36
$15,922.96
$16,055.65
$16,189.45
$16,324.36
$16,460.39
$16,597.56
$16,735.88
$16,875.34
$17,015.97
$17,157.77
$17,300.75
$17,444.92
$17,590.30
$17,736.88

$1,142,013.71
$1,154,635.13
$1,167,361.73
$1,180,194.38
$1,193,133.98
$1,206,181.40
$1,219,337.55
$1,232,603.34
$1,245,979.67
$1,259,467.48
$1,273,067.68
$1,286,781.22
$1,300,609.03
$1,314,552.08
$1,328,611.32
$1,342,787.72
$1,357,082.26
$1,371,495.92
$1,386,029.69
$1,400,684.58
$1,415,461.59
$1,430,361.74
$1,445,386.07
$1,460,535.59
$1,475,811.36
$1,491,214.43
$1,506,745.85
$1,522,406.71
$1,538,198.07
$1,554,121.03
$1,570,176.68
$1,586,366.12
$1,602,690.48
$1,619,150.88
$1,635,748.44
$1,652,484.32
$1,669,359.66
$1,686,375.63
$1,703,533.40
$1,720,834.15
$1,738,279.08
$1,755,869.37
$1,773,606.26

305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347

$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64

$14,780.05
$14,929.09
$15,079.37
$15,230.91
$15,383.70
$15,537.77
$15,693.12
$15,849.77
$16,007.73
$16,167.00
$16,327.59
$16,489.53
$16,652.81
$16,817.46
$16,983.48
$17,150.88
$17,319.67
$17,489.88
$17,661.50
$17,834.55
$18,009.04
$18,184.99
$18,362.40
$18,541.29
$18,721.68
$18,903.56
$19,086.96
$19,271.89
$19,458.37
$19,646.39
$19,835.98
$20,027.15
$20,219.92
$20,414.29
$20,610.28
$20,807.91
$21,007.18
$21,208.11
$21,410.72
$21,615.01
$21,821.01
$22,028.72
$22,238.17

$17,884.69
$18,033.73
$18,184.01
$18,335.55
$18,488.34
$18,642.41
$18,797.76
$18,954.41
$19,112.37
$19,271.64
$19,432.23
$19,594.17
$19,757.45
$19,922.10
$20,088.12
$20,255.52
$20,424.31
$20,594.52
$20,766.14
$20,939.19
$21,113.68
$21,289.63
$21,467.04
$21,645.93
$21,826.32
$22,008.20
$22,191.60
$22,376.53
$22,563.01
$22,751.03
$22,940.62
$23,131.79
$23,324.56
$23,518.93
$23,714.92
$23,912.55
$24,111.82
$24,312.75
$24,515.36
$24,719.65
$24,925.65
$25,133.36
$25,342.81

$1,791,490.95
$1,809,524.68
$1,827,708.70
$1,846,044.24
$1,864,532.58
$1,883,174.99
$1,901,972.76
$1,920,927.17
$1,940,039.54
$1,959,311.18
$1,978,743.41
$1,998,337.58
$2,018,095.03
$2,038,017.13
$2,058,105.24
$2,078,360.76
$2,098,785.07
$2,119,379.59
$2,140,145.73
$2,161,084.91
$2,182,198.60
$2,203,488.22
$2,224,955.27
$2,246,601.20
$2,268,427.52
$2,290,435.72
$2,312,627.32
$2,335,003.86
$2,357,566.86
$2,380,317.89
$2,403,258.52
$2,426,390.31
$2,449,714.87
$2,473,233.80
$2,496,948.72
$2,520,861.27
$2,544,973.08
$2,569,285.83
$2,593,801.19
$2,618,520.84
$2,643,446.49
$2,668,579.85
$2,693,922.65

348
349
350
351
352
353
354
355
356
357
358
359
360

$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64
$3,104.64

Total Investment $828,938.88

$22,449.36
$22,662.31
$22,877.03
$23,093.54
$23,311.86
$23,532.00
$23,753.97
$23,977.79
$24,203.48
$24,431.05
$24,660.51
$24,891.89
$25,125.19

$25,554.00
$25,766.95
$25,981.67
$26,198.18
$26,416.50
$26,636.64
$26,858.61
$27,082.43
$27,308.12
$27,535.69
$27,765.15
$27,996.53
$28,229.83

Total Retirement
Fund

$2,719,476.65
$2,745,243.59
$2,771,225.26
$2,797,423.45
$2,823,839.95
$2,850,476.59
$2,877,335.20
$2,904,417.63
$2,931,725.75
$2,959,261.44
$2,987,026.59
$3,015,023.12
$3,043,252.95

$3,043,252.95

ntil month 360