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 Sister H
to gather all of their financial information and present it to you. During the last meeting they expressed dispair concerning their
with the following information. They have expressed a sincere desire to put their financial life in order, no matter what sacrifices

You have suggested a family council, and they have explained to their 3 children that everyone will be involved in learning corre
During your previous visit you helped them cut up all of their credit cards. They have made a commitment to "pay as you go", b
You have been asked to prepare a comprehensive financial plan that will help them now, as well as prepare them for retirement
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 program
in the amount of $150 / month. Sister Hopeful does a small part time job out of their home while the children are at school and

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 more
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 2nd
When they purchased their home 8 years ago they made a substantial downpayment, and their home is currently worth $175,0

The average monthly expenses that they have provided show the following: $450 / food, $155 / several lessons for each child,
$70 / life insurance, $200 / medical insurance, $120 / car insurance for both cars, $25 / internet, $95 / cable TV, $275 / all utilitie
$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 hav
and in some cases, they have missed payments. They are always receiving debt collection phone calls and there is significant
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 longer

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 fam
As a minimum, the committee has been asked to prepare a monthly budget of their current situation, a proposed budget to help
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 suggest
and you will receive up to 10 points for a detailed plan to eliminate their debt and establish a retirement plan (5 + 10 + 10 = 25 p
Submit all of your completed spreadsheet for grading.

met with Brother and Sister Hopeful and have asked them
essed dispair concerning their situation and presented you
rder, no matter what sacrifices they have to make.

ll be involved in learning correct principles for everyone's long term benefit.

mmitment to "pay as you go", but need help to know where to begin.
as prepare them for retirement.

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

$ 5,150.00

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

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

all of their payments, they have been making minimum payments,

e calls and there is significant stress in their home.
off and can't help much longer.

mmittee to help this faithful family.

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

sed budget along with suggested changes to meet your plans,

ement plan (5 + 10 + 10 = 25 points total).

$ 2,585.00

Income
Gross Combined Income
Combined Take Home Pay
Expenses
Tithing
Food
Lessons
Laundry
Dry Cleaning
Gifts
Life Insurance
Medical Insurance
Car Insurance
Internet
Cable TV
Utilities
Home Phone
Cell Phone
Gas
Bowling League
Newspaper
Charity
Misc.
total debt
Total
Surplus / (Deficit)

Month
$5,150

Jan

Feb

Mar

Apr

May

June

$615.00
$450.00
$155.00
$30.00
$20.00
$15.00
$70.00
$200.00
$120.00
$25.00
$95.00
$275.00
$75.00
$85.00
$170.00
$85.00
$35.00
$35.00
$30.00
$2,838
$5,423

$615.00
$450.00
$155.00
$30.00
$20.00
$15.00
$70.00
$200.00
$120.00
$25.00
$95.00
$275.00
$75.00
$85.00
$170.00
$85.00
$35.00
$35.00
$30.00
$2,838
$5,423

$615.00
$450.00
$155.00
$30.00
$20.00
$15.00
$70.00
$200.00
$120.00
$25.00
$95.00
$275.00
$75.00
$85.00
$170.00
$85.00
$35.00
$35.00
$30.00
$2,838
$5,423

$615.00
$450.00
$155.00
$30.00
$20.00
$15.00
$70.00
$200.00
$120.00
$25.00
$95.00
$275.00
$75.00
$85.00
$170.00
$85.00
$35.00
$35.00
$30.00
$2,838
$5,423

$615.00
$450.00
$155.00
$30.00
$20.00
$15.00
$70.00
$200.00
$120.00
$25.00
$95.00
$275.00
$75.00
$85.00
$170.00
$85.00
$35.00
$35.00
$30.00
$2,838
$5,423

$615.00
$450.00
$155.00
$30.00
$20.00
$15.00
$70.00
$200.00
$120.00
$25.00
$95.00
$275.00
$75.00
$85.00
$170.00
$85.00
$35.00
$35.00
$30.00
$2,838
$5,423

-$273

-$546

-$819

-$1,092

-$1,365 -$1,638

July
$615.00
$450.00
$155.00
$30.00
$20.00
$15.00
$70.00
$200.00
$120.00
$25.00
$95.00
$275.00
$75.00
$85.00
$170.00
$85.00
$35.00
$35.00
$30.00
$2,838
$5,423

-$1,911

Aug
$615.00
$450.00
$155.00
$30.00
$20.00
$15.00
$70.00
$200.00
$120.00
$25.00
$95.00
$275.00
$75.00
$85.00
$170.00
$85.00
$35.00
$35.00
$30.00
$2,838
$5,423

-$2,184

Sept
$615.00
$450.00
$155.00
$30.00
$20.00
$15.00
$70.00
$200.00
$120.00
$25.00
$95.00
$275.00
$75.00
$85.00
$170.00
$85.00
$35.00
$35.00
$30.00
$2,838
$5,423

-$2,457

Oct
$615.00
$450.00
$155.00
$30.00
$20.00
$15.00
$70.00
$200.00
$120.00
$25.00
$95.00
$275.00
$75.00
$85.00
$170.00
$85.00
$35.00
$35.00
$30.00
$2,838
$5,423

-$2,730

Nov
$615.00
$450.00
$155.00
$30.00
$20.00
$15.00
$70.00
$200.00
$120.00
$25.00
$95.00
$275.00
$75.00
$85.00
$170.00
$85.00
$35.00
$35.00
$30.00
$2,838
$5,423

-$3,003

Dec
$615.00
$450.00
$155.00
$30.00
$20.00
$15.00
$70.00
$200.00
$120.00
$25.00
$95.00
$275.00
$75.00
$85.00
$170.00
$85.00
$35.00
$35.00
$30.00
$2,838
$5,423
-$3,276

Income
Gross Combined Income
Combined Take Home Pay
Expenses
Tithing
Food
Lessons
Laundry
Dry Cleaning
Gifts
Life Insurance
Medical Insurance
Car Insurance
Internet
Cable TV
Utilities
Home Phone
Cell Phone
Gas
Bowling League
Newspaper
Charity
Misc.
plasma
total debt
Total
Surplus / (Deficit)

Month
$5,150

Jan

$615.00
$350.00
$155.00
$30.00
$0.00
$0.00
$70.00
$200.00
$120.00
$50.00
$15.00
$275.00
$0.00
$85.00
$150.00
$0.00
$0.00
$40.00
$30.00
-$300
$2,838
$4,723
$428

Feb
$615.00
$350.00
$155.00
$30.00
$0.00
$0.00
$70.00
$200.00
$120.00
$50.00
$15.00
$275.00
$0.00
$85.00
$150.00
$0.00
$0.00
$40.00
$30.00
$0
$2,838
$5,023
$128
$555

Mar

Apr
$615.00
$350.00
$155.00
$30.00
$20.00
$10.00
$70.00
$200.00
$120.00
$50.00
$15.00
$275.00
$0.00
$85.00
$150.00
$0.00
$0.00
$40.00
$30.00
$0
$2,838
$5,053
$158
$713

$615.00
$350.00
$155.00
$30.00
$0.00
$0.00
$70.00
$200.00
$120.00
$50.00
$15.00
$275.00
$0.00
$85.00
$150.00
$0.00
$0.00
$40.00
$30.00
$0
$2,838
$5,023
128
$841

May

June

July

$615.00 $615.00 $615.00

$350.00 $350.00 $350.00
$155.00 $155.00 $155.00
$30.00
$30.00
$30.00
$0.00
$20.00
$0.00
$0.00
$10.00
$0.00
$70.00
$70.00
$70.00
$200.00 $200.00 $200.00
$120.00 $120.00 $120.00
$50.00
$50.00
$50.00
$15.00
$15.00
$15.00
$275.00 $275.00 $275.00
$0.00
$0.00
$0.00
$85.00
$85.00
$85.00
$150.00 $150.00 $150.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$40.00
$40.00
$40.00
$30.00
$30.00
$30.00
-$300
$0
$0
$2,838
$2,838
$2,838
$4,723
$5,053
$5,023
$128
$428 158
$1,269 $1,427 $1,555

Aug
$615.00
$350.00
$155.00
$30.00
$0.00
$0.00
$70.00
$200.00
$120.00
$50.00
$15.00
$275.00
$0.00
$85.00
$150.00
$0.00
$0.00
$40.00
$30.00
$0
$2,838
$5,023

128
$1,683

Sept
$615.00
$350.00
$155.00
$30.00
$20.00
$10.00
$70.00
$200.00
$120.00
$50.00
$15.00
$275.00
$0.00
$85.00
$150.00
$0.00
$0.00
$40.00
$30.00
$0
$2,838
$5,053

$158
$1,841

Oct
$615.00
$350.00
$155.00
$30.00
$0.00
$0.00
$70.00
$200.00
$120.00
$50.00
$15.00
$275.00
$0.00
$85.00
$150.00
$0.00
$0.00
$40.00
$30.00
-$300
$2,838
$4,723

428
$2,269

Nov

Dec

$615.00
$350.00
$155.00
$30.00
$0.00
$0.00
$70.00
$200.00
$120.00
$50.00
$15.00
$275.00
$0.00
$85.00
$150.00
$0.00
$0.00
$40.00
$30.00
$0
$2,838
$5,023

$128
$2,397
$265

$615.00
$350.00
$155.00
$30.00
$20.00
$120.00
$70.00
$200.00
$120.00
$50.00
$15.00
$275.00
$0.00
$85.00
$150.00
$0.00
$0.00
$40.00
$30.00
$0
$2,838
$5,163
-$13
$2,384

bishops storehouse
180
once every 3 months
christmas gifts/ birthday

buy better internet for netflix

replace cable tv with netflix
you have cell phones, you don't need home phones
because of no bowling league, less gas

need home phones

Amount
$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

APR % Current Payment Payments Remaining

12.0%
$92.72
24
7.0%
$200.00
28
15.0%
$34.67
36
15.0%
$65.07
36
12.0%
$158.00
48
11.0%
$274.37
60
6.0%
$280.85
84
9.5%
$582.82
142
6.0%
$1,149.00
147

$206,869.05

Description
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

With the new plan the family is saving:

$2,384.00 (per year)

These are the measures created to aid the financial status of the family Hopeful:
1. The family will purchase their foods at the bishops storehouse, making a monthly saving of $100.
2. The dry cleaning will be done only once every three months, making a trimestral savings of $40.
3. Gifts wil only be purchased for birthdays and christmas, generating savings of $30 dollars per year.
4. The cable TV will be replaced by netflix and a better internet plan will be purchased to support netflix, this will g
5. The home phone will be disabled, keeping only the mobile phones, generating a monthly savings of $75.
6. The bowling league won't be attend anymore, which also causing savings in the gas, causing a monthly saving

Month
24
28
36
36
48
60
84
142
147

$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

saving of $100.
avings of $40.
0 dollars per year.
d to support netflix, this will generate a monthly savings of $55.
monthly savings of $75.
as, causing a monthly savings of $105.

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

Rate
12.00%
7.00%
15.00%
15.00%
12.00%
11.00%
6.00%
9.50%
6.00%

Total Debt

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

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

$216,915.80

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

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

$2,837.50

$310,716.96

$8,107.14
$97,285.71

1.
2.
3.
4.

Develop a budget
Cut up the credit cards
Find an extra $50 / month
Put together a "roll over plan"

These are the measures created to aid the financial status of the family Hopeful:

1. The family will purchase their foods at the bishops storehouse, making a monthly saving

2. The dry cleaning will be done only once every three months, making a trimestral savings

3. Gifts wil only be purchased for birthdays and christmas, generating savings of $30 dollar

4. The cable TV will be replaced by netflix and a better internet plan will be purchased to su

5. The home phone will be disabled, keeping only the mobile phones, generating a monthly

6. The bowling league won't be attend anymore, which also causing savings in the gas, cau

475,277.06

of the family Hopeful:

house, making a monthly saving of $100.

nths, making a trimestral savings of $40.

generating savings of $30 dollars per year.

rnet plan will be purchased to support netflix, this will generate a monthly savings of $55.

le phones, generating a monthly savings of $75.

o causing savings in the gas, causing a monthly savings of $105.

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

Rate
12.00%
7.00%
15.00%
15.00%
12.00%
11.00%
6.00%
9.50%
6.00%

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

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

$2,837.50

$310,716.96

$8,107.14
$97,285.71

First Debt = $92.72 + $50.00 = $142.72

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

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
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72
$92.72

12.0%
Interest
$19.69
$18.96
$18.22
$17.48
$16.72
$15.96
$15.20
$14.42
$13.64
$12.85
$12.05
$11.24
$10.43
$9.61
$8.77
$7.93
$7.09
$6.23
$5.37
$4.49
$3.61
$2.72
$1.82
$0.91

Principal
$73.03
$73.76
$74.50
$75.24
$76.00
$76.76
$77.52
$78.30
$79.08
$79.87
$80.67
$81.48
$82.29
$83.11
$83.95
$84.79
$85.63
$86.49
$87.35
$88.23
$89.11
$90.00
$90.90
$91.81

$1,969.00
Remaining Balance
$1,895.97
$1,822.21
$1,747.71
$1,672.47
$1,596.47
$1,519.72
$1,442.20
$1,363.90
$1,284.82
$1,204.94
$1,124.27
$1,042.80
$960.50
$877.39
$793.44
$708.66
$623.02
$536.53
$449.18
$360.95
$271.84
$181.84
$90.94
($0.87)

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 Mortage
1st Mortage

Rate
12.0%
7.0%
15.0%
15.0%
12.0%
11.0%
6.0%
9.50%
6.00%

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
$48,612.40
$119,412.57
$96,503.23

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

$ / mth
$92.72
$200.00
$70.61
$65.07
$158.00
$274.37
$280.85
$582.82
$1,149.00

Real Debt
$2,225.28
$5,600.00
$2,541.96
$2,342.52
$7,584.00
$16,462.20
$23,591.40
$82,760.44
$168,903.00

$1,724.44

$312,010.80

$4,926.97
$59,123.66

Second Debt, after 16months payment goes from 200 to 270.61, after 24 mths paym

Month
1
6
2
4
3
5
7
8

Payment
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00

7.0%
Interest
$30.33
$25.33
$29.34
$27.35
$28.35
$26.34
$24.31
$23.28

9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25

$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$200.00
$270.61
$270.61
$270.61
$270.61
$270.61
$270.61
$270.61
$270.61
$412.33

$22.25
$21.22
$20.17
$19.12
$18.07
$17.01
$15.94
$14.87
$13.79
$12.29
$10.78
$9.27
$7.74
$6.21
$4.66
$3.11
$1.55

Principal
$169.67
$174.67
$170.66
$172.65
$171.65
$173.66
$175.69
$176.72

$5,200.00
Remaining Balance
$5,030.33
$4,167.04
$4,859.68
$4,515.37
$4,688.03
$4,341.71
$3,991.35
$3,814.63

$177.75
$178.78
$179.83
$180.88
$181.93
$182.99
$184.06
$185.13
$256.82
$258.32
$259.83
$261.34
$262.87
$264.40
$265.95
$267.50
$410.78

$3,636.88
$3,458.10
$3,278.27
$3,097.39
$2,915.46
$2,732.47
$2,548.41
$2,363.27
$2,106.45
$1,848.12
$1,588.30
$1,326.95
$1,064.08
$799.68
$533.73
$266.24
($144.54)

after 24 mths payment goes to $270.61 + $142.72 = $342.72

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 Mortage
1st Mortage

Rate
12.0%
7.0%
15.0%
15.0%
12.0%
11.0%
6.0%
9.50%
6.00%

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
$48,612.40
$119,412.57

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

$ / mth
$92.72
$200.00
$70.61
$65.07
$158.00
$274.37
$280.85
$582.82
$1,149.00
$3,282.86
$39,394.29

Real Debt
$2,225.28
$5,600.00
$2,541.96
$2,342.52
$7,584.00
$16,462.20
$23,591.40
$82,760.44
$168,903.00

3rd Debt, after 13 mths payment goes to $126.53 + $195.24 = $321.77

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

Payment
$70.61
$70.61
$70.61
$70.61
$70.61
$70.61
$70.61
$70.61
$70.61
$70.61
$70.61
$70.61
$70.61
$70.61
$70.61
$70.61

15.0%
Interest
$12.50
$11.77
$11.04
$10.29
$9.54
$8.78
$8.00
$7.22
$6.43
$5.63
$4.81
$3.99
$3.16
$2.32
$1.46
$0.60

Principal
$58.11
$58.84
$59.57
$60.32
$61.07
$61.83
$62.61
$63.39
$64.18
$64.98
$65.80
$66.62
$67.45
$68.29
$69.15
$70.01

$1,000.00
Remaining Balance
$941.89
$883.05
$823.48
$763.17
$702.09
$640.26
$577.65
$514.27
$450.08
$385.10
$319.30
$252.68
$185.23
$116.94
$47.79
($22.22)

Listing of all debts

Completed
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%
9.50%
6.00%

Monthly Income Needed???

Annual Income Needed???

Principal
$1,969.78
$5,200.00
$1,000.00
$1,876.97
$6,000.00
$12,619.00
$19,225.00
$49,612.40
$119,412.57
$216,915.72

# 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

6th Debt, after 24 mths payment goes to $274.37 + $342.72 = $617.09

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
$617.09
$617.09
$617.09
$617.09
$617.09
$617.09
$617.09
$617.09
$617.09
$617.09
$617.09
$617.09
$617.09
$617.09
$617.09

11.0%
Interest
$115.67
$114.22
$112.75
$111.27
$109.77
$108.27
$106.74
$105.21
$103.66
$102.09
$100.51
$98.92
$97.31
$95.69
$94.05
$92.40
$90.73
$89.04
$87.35
$85.63
$83.90
$82.16
$80.39
$78.62
$76.82
$71.87
$66.87
$61.83
$56.74
$51.60
$46.42
$41.19
$35.91
$30.58
$25.20
$19.78
$14.30
$8.78
$3.20

Principal
$158.70
$160.15
$161.62
$163.10
$164.60
$166.10
$167.63
$169.16
$170.71
$172.28
$173.86
$175.45
$177.06
$178.68
$180.32
$181.97
$183.64
$185.33
$187.02
$188.74
$190.47
$192.21
$193.98
$195.75
$540.27
$545.22
$550.22
$555.26
$560.35
$565.49
$570.67
$575.90
$581.18
$586.51
$591.89
$597.31
$602.79
$608.31
$613.89

$12,619.00
Remaining Balance
$12,460.30
$12,300.15
$12,138.54
$11,975.43
$11,810.84
$11,644.74
$11,477.11
$11,307.95
$11,137.23
$10,964.95
$10,791.10
$10,615.64
$10,438.58
$10,259.90
$10,079.58
$9,897.61
$9,713.96
$9,528.64
$9,341.61
$9,152.88
$8,962.41
$8,770.19
$8,576.22
$8,380.46
$7,840.19
$7,294.97
$6,744.75
$6,189.49
$5,629.14
$5,063.65
$4,492.97
$3,917.07
$3,335.88
$2,749.37
$2,157.49
$1,560.17
$957.38
$349.07
($264.82)

617.09

Listing of all debts

Completed
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%
9.50%
6.00%

Monthly Income Needed???

Annual Income Needed???

Principal
$1,969.78
$5,200.00
$1,000.00
$1,876.97
$6,000.00
$12,619.00
$19,225.00
$49,612.40
$119,412.57
$216,915.72

# 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

7th Debt After 28 mths payment goes to $280.85 + $617.09 = $897.94

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
$897.94
$897.94
$897.94
$897.94
$897.94

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
$57.81
$53.61
$49.39
$45.14

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
$835.95
$840.13
$844.33
$848.55
$852.80

$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
$11,561.51
$10,721.37
$9,877.04
$9,028.48
$8,175.69

40
40
40
40
40
40
40
40
40
40

$897.94
$897.94
$897.94
$897.94
$897.94
$897.94
$897.94
$897.94
$897.94
$897.94

$40.88
$36.59
$32.29
$27.96
$23.61
$19.24
$14.84
$10.43
$5.99
$1.53

$857.06
$861.35
$865.65
$869.98
$874.33
$878.70
$883.10
$887.51
$891.95
$896.41

$7,318.63
$6,457.28
$5,591.62
$4,721.64
$3,847.31
$2,968.61
$2,085.51
$1,198.00
$306.05
($590.36)

Listing of all debts

1480.76
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%
9.50%
6.00%

Monthly Income Needed???

Annual Income Needed???

Principal
$1,969.78
$5,200.00
$1,000.00
$1,876.97
$6,000.00
$12,619.00
$19,225.00
$49,612.40
$119,412.57
$216,915.72

# 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
$3,282.86
$39,394.29

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 40 mths payment goes to $582.82 + $897.94 = $1480.76

Month
1
2
3
4
5
6
7
8
9
10

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

9.0%
Interest
$168.75
$165.64
$162.52
$159.36
$156.19
$152.99
$149.76
$146.52
$143.24
$139.95

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

$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

$136.63
$133.28
$129.91
$126.51
$123.09
$119.64
$116.17
$112.67
$109.14
$105.59
$102.01
$98.40
$94.77
$91.11
$87.42
$83.71
$79.96
$76.19
$72.39
$68.56
$64.71
$60.82
$56.91
$52.96
$48.99
$44.98
$40.95
$36.89

Principal
$414.07
$417.18
$420.30
$423.46
$426.63
$429.83
$433.06
$436.30
$439.58
$442.87

$22,500.00
Remaining Balance
$22,085.93
$21,668.75
$21,248.45
$20,824.99
$20,398.36
$19,968.53
$19,535.47
$19,099.17
$18,659.59
$18,216.72

$446.19
$449.54
$452.91
$456.31
$459.73
$463.18
$466.65
$470.15
$473.68
$477.23
$480.81
$484.42
$488.05
$491.71
$495.40
$499.11
$502.86
$506.63
$510.43
$514.26
$518.11
$522.00
$525.91
$529.86
$533.83
$537.84
$541.87
$545.93

$17,770.52
$17,320.98
$16,868.07
$16,411.76
$15,952.03
$15,488.85
$15,022.20
$14,552.04
$14,078.36
$13,601.13
$13,120.32
$12,635.90
$12,147.85
$11,656.14
$11,160.74
$10,661.63
$10,158.77
$9,652.14
$9,141.71
$8,627.45
$8,109.34
$7,587.34
$7,061.42
$6,531.57
$5,997.73
$5,459.89
$4,918.02
$4,372.09

39
40
41
42
43
44
45
46
47
48

$582.82
$582.82
$1,480.76
$1,480.76
$1,480.76
$1,480.76
$1,082.42
$1,082.42
$1,082.42
$1,082.42

$32.79
$28.67
$24.51
$13.59
$2.58
($8.50)
($19.67)
($27.94)
($36.27)
($44.66)

$550.03
$554.15
$1,456.25
$1,467.17
$1,478.18
$1,489.26
$1,102.09
$1,110.36
$1,118.69
$1,127.08

$3,822.06
$3,267.91
$1,811.65
$344.48
($1,133.69)
($2,622.96)
($3,725.05)
($4,835.41)
($5,954.09)
($7,081.17)

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%
9.50%
6.00%

Monthly Income Needed???

Annual Income Needed???

Principal
$1,969.78
$5,200.00
$1,000.00
$1,876.97
$6,000.00
$12,619.00
$19,225.00
$49,612.40
$119,412.57
$216,915.72

# 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
$3,282.86
$39,394.29

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 48 mths payment goes to $1,097.75 + $1,082.42 = $2,180.17

Month
1
2
3
4
5
6
7
8
9
10

Payment
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95

7.0%
Interest
$962.50
$961.71
$960.92
$960.12
$959.31
$958.50
$957.69
$956.87
$956.05
$955.22

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

$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95

$954.39
$953.55
$952.71
$951.86
$951.01
$950.15
$949.29
$948.42
$947.55
$946.67
$945.79
$944.90
$944.01
$943.11
$942.21
$941.30
$940.39
$939.47
$938.54
$937.61
$936.68
$935.74
$934.79
$933.84
$932.88
$931.92
$930.95
$929.98

Principal
$135.45
$136.24
$137.03
$137.83
$138.64
$139.45
$140.26
$141.08
$141.90
$142.73

$165,000.00
Remaining Balance
$164,864.55
$164,728.31
$164,591.28
$164,453.44
$164,314.80
$164,175.36
$164,035.10
$163,894.02
$163,752.11
$163,609.39

$143.56
$144.40
$145.24
$146.09
$146.94
$147.80
$148.66
$149.53
$150.40
$151.28
$152.16
$153.05
$153.94
$154.84
$155.74
$156.65
$157.56
$158.48
$159.41
$160.34
$161.27
$162.21
$163.16
$164.11
$165.07
$166.03
$167.00
$167.97

$163,465.82
$163,321.42
$163,176.18
$163,030.09
$162,883.15
$162,735.35
$162,586.69
$162,437.17
$162,286.77
$162,135.49
$161,983.33
$161,830.28
$161,676.34
$161,521.50
$161,365.76
$161,209.11
$161,051.55
$160,893.07
$160,733.66
$160,573.32
$160,412.05
$160,249.84
$160,086.68
$159,922.57
$159,757.50
$159,591.47
$159,424.47
$159,256.49

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

$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$1,097.95
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17

$929.00
$928.01
$927.02
$926.02
$925.02
$924.01
$923.00
$921.98
$920.95
$919.92
$918.88
$911.52
$904.12
$896.68
$889.19
$881.66
$874.08
$866.46
$858.80
$851.09
$843.34
$835.54
$827.70
$819.81
$811.87
$803.89
$795.86
$787.79
$779.67
$771.50
$763.28
$755.01
$746.70
$738.34
$729.93
$721.47
$712.96
$704.40
$695.79
$687.13
$678.42
$669.66
$660.85

$168.95
$169.94
$170.93
$171.93
$172.93
$173.94
$174.95
$175.97
$177.00
$178.03
$1,261.29
$1,268.65
$1,276.05
$1,283.49
$1,290.98
$1,298.51
$1,306.09
$1,313.71
$1,321.37
$1,329.08
$1,336.83
$1,344.63
$1,352.47
$1,360.36
$1,368.30
$1,376.28
$1,384.31
$1,392.38
$1,400.50
$1,408.67
$1,416.89
$1,425.16
$1,433.47
$1,441.83
$1,450.24
$1,458.70
$1,467.21
$1,475.77
$1,484.38
$1,493.04
$1,501.75
$1,510.51
$1,519.32

$159,087.54
$158,917.60
$158,746.67
$158,574.74
$158,401.81
$158,227.87
$158,052.92
$157,876.94
$157,699.94
$157,521.91
$156,260.62
$154,991.97
$153,715.92
$152,432.42
$151,141.44
$149,842.93
$148,536.84
$147,223.14
$145,901.77
$144,572.69
$143,235.87
$141,891.24
$140,538.77
$139,178.41
$137,810.11
$136,433.83
$135,049.53
$133,657.15
$132,256.64
$130,847.97
$129,431.08
$128,005.92
$126,572.45
$125,130.62
$123,680.38
$122,221.68
$120,754.47
$119,278.70
$117,794.33
$116,301.29
$114,799.54
$113,289.04
$111,769.72

82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124

$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17

$651.99
$643.08
$634.11
$625.09
$616.02
$606.90
$597.72
$588.49
$579.20
$569.86
$560.47
$551.02
$541.52
$531.96
$522.34
$512.67
$502.95
$493.16
$483.32
$473.42
$463.47
$453.45
$443.38
$433.25
$423.06
$412.81
$402.50
$392.13
$381.70
$371.21
$360.66
$350.04
$339.37
$328.63
$317.83
$306.96
$296.04
$285.05
$273.99
$262.87
$251.69
$240.44
$229.12

$1,528.18
$1,537.09
$1,546.06
$1,555.08
$1,564.15
$1,573.27
$1,582.45
$1,591.68
$1,600.97
$1,610.31
$1,619.70
$1,629.15
$1,638.65
$1,648.21
$1,657.83
$1,667.50
$1,677.22
$1,687.01
$1,696.85
$1,706.75
$1,716.70
$1,726.72
$1,736.79
$1,746.92
$1,757.11
$1,767.36
$1,777.67
$1,788.04
$1,798.47
$1,808.96
$1,819.51
$1,830.13
$1,840.80
$1,851.54
$1,862.34
$1,873.21
$1,884.13
$1,895.12
$1,906.18
$1,917.30
$1,928.48
$1,939.73
$1,951.05

$110,241.54
$108,704.45
$107,158.38
$105,603.31
$104,039.15
$102,465.88
$100,883.43
$99,291.74
$97,690.78
$96,080.47
$94,460.77
$92,831.62
$91,192.97
$89,544.76
$87,886.93
$86,219.43
$84,542.21
$82,855.20
$81,158.36
$79,451.61
$77,734.91
$76,008.19
$74,271.40
$72,524.48
$70,767.37
$69,000.01
$67,222.34
$65,434.30
$63,635.83
$61,826.87
$60,007.36
$58,177.23
$56,336.43
$54,484.89
$52,622.54
$50,749.34
$48,865.21
$46,970.08
$45,063.91
$43,146.61
$41,218.13
$39,278.40
$37,327.35

125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
11.8 years

$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17

$217.74
$206.30
$194.78
$183.20
$171.55
$159.83
$148.05
$136.19
$124.27
$112.28
$100.22
$88.08
$75.88
$63.60
$51.26
$38.84
$26.35
$13.78

$1,962.43
$1,973.87
$1,985.39
$1,996.97
$2,008.62
$2,020.34
$2,032.12
$2,043.98
$2,055.90
$2,067.89
$2,079.95
$2,092.09
$2,104.29
$2,116.57
$2,128.91
$2,141.33
$2,153.82
$2,166.39

$35,364.92
$33,391.05
$31,405.66
$29,408.69
$27,400.07
$25,379.73
$23,347.61
$21,303.64
$19,247.74
$17,179.85
$15,099.89
$13,007.81
$10,903.51
$8,786.95
$6,658.04
$4,516.70
$2,362.88
$196.49

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

Debt
Credit Card #3
Credit Card #1
Credit Card #2
Furniture Loan
Home Equity Loan
Car Loan
Mortgage

Rate
12.0%
12.0%
18.0%
10.0%
11.0%
9.0%
7.0%

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

Principal
$840.00
$1,500.00
$3,500.00
$5,500.00
$9,000.00
$22,500.00
$165,000.00
$207,840.00

# of Pmts
12
24
36
48
84
60
360

$ / mth
$74.63
$70.61
$126.53
$139.49
$154.10
$467.06
$1,097.75

Real Debt
$895.56
$1,694.64
$4,555.08
$6,695.52
$12,944.40
$28,023.60
$395,190.00

$2,130.17

$449,998.80

$6,086.20
$73,034.40

More interest
than payment

Totals

After 142 mths payment of $2,180.17 goes into an investment until month 360.

Month
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
175
176
177
178
179
180
181

Payment
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17

10.0%
Interest
$0.00
$18.17
$36.49
$54.96
$73.59
$92.37
$111.30
$130.40
$149.66
$169.07
$188.65
$208.39
$228.29
$248.36
$268.60
$289.01
$309.58
$330.33
$351.25
$372.35
$393.62
$415.07
$436.69
$458.50
$480.49
$502.66
$525.02
$547.56
$570.29
$593.21
$616.33
$639.63
$663.13
$686.82
$710.71
$734.80
$759.10
$783.59
$808.29

Ttl Investment
$2,180.17
$2,198.34
$2,216.66
$2,235.13
$2,253.76
$2,272.54
$2,291.47
$2,310.57
$2,329.83
$2,349.24
$2,368.82
$2,388.56
$2,408.46
$2,428.53
$2,448.77
$2,469.18
$2,489.75
$2,510.50
$2,531.42
$2,552.52
$2,573.79
$2,595.24
$2,616.86
$2,638.67
$2,660.66
$2,682.83
$2,705.19
$2,727.73
$2,750.46
$2,773.38
$2,796.50
$2,819.80
$2,843.30
$2,866.99
$2,890.88
$2,914.97
$2,939.27
$2,963.76
$2,988.46

$0.00
Ending Balance
$2,180.17
$4,378.51
$6,595.17
$8,830.30
$11,084.05
$13,356.59
$15,648.06
$17,958.63
$20,288.46
$22,637.70
$25,006.52
$27,395.07
$29,803.54
$32,232.07
$34,680.84
$37,150.02
$39,639.77
$42,150.27
$44,681.69
$47,234.21
$49,808.00
$52,403.24
$55,020.10
$57,658.77
$60,319.43
$63,002.26
$65,707.45
$68,435.18
$71,185.65
$73,959.03
$76,755.53
$79,575.33
$82,418.62
$85,285.62
$88,176.50
$91,091.47
$94,030.74
$96,994.50
$99,982.96

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
218
219
220
221
222
223
224

$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17

$833.19
$858.30
$883.62
$909.15
$934.90
$960.86
$987.03
$1,013.43
$1,040.04
$1,066.88
$1,093.93
$1,121.22
$1,148.73
$1,176.47
$1,204.44
$1,232.65
$1,261.09
$1,289.76
$1,318.68
$1,347.84
$1,377.24
$1,406.88
$1,436.78
$1,466.92
$1,497.31
$1,527.95
$1,558.86
$1,590.01
$1,621.43
$1,653.11
$1,685.06
$1,717.27
$1,749.75
$1,782.49
$1,815.52
$1,848.81
$1,882.39
$1,916.24
$1,950.38
$1,984.80
$2,019.51
$2,054.51
$2,089.80

$3,013.36
$3,038.47
$3,063.79
$3,089.32
$3,115.07
$3,141.03
$3,167.20
$3,193.60
$3,220.21
$3,247.05
$3,274.10
$3,301.39
$3,328.90
$3,356.64
$3,384.61
$3,412.82
$3,441.26
$3,469.93
$3,498.85
$3,528.01
$3,557.41
$3,587.05
$3,616.95
$3,647.09
$3,677.48
$3,708.12
$3,739.03
$3,770.18
$3,801.60
$3,833.28
$3,865.23
$3,897.44
$3,929.92
$3,962.66
$3,995.69
$4,028.98
$4,062.56
$4,096.41
$4,130.55
$4,164.97
$4,199.68
$4,234.68
$4,269.97

$102,996.32
$106,034.79
$109,098.58
$112,187.91
$115,302.98
$118,444.00
$121,611.21
$124,804.80
$128,025.02
$131,272.06
$134,546.16
$137,847.55
$141,176.45
$144,533.09
$147,917.70
$151,330.52
$154,771.78
$158,241.71
$161,740.57
$165,268.57
$168,825.98
$172,413.03
$176,029.98
$179,677.07
$183,354.55
$187,062.67
$190,801.70
$194,571.88
$198,373.48
$202,206.76
$206,071.99
$209,969.43
$213,899.34
$217,862.01
$221,857.69
$225,886.68
$229,949.24
$234,045.65
$238,176.20
$242,341.17
$246,540.85
$250,775.53
$255,045.50

225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267

$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17

$2,125.38
$2,161.26
$2,197.44
$2,233.92
$2,270.70
$2,307.79
$2,345.19
$2,382.90
$2,420.93
$2,459.27
$2,497.93
$2,536.92
$2,576.23
$2,615.86
$2,655.83
$2,696.13
$2,736.77
$2,777.74
$2,819.06
$2,860.72
$2,902.72
$2,945.08
$2,987.79
$3,030.86
$3,074.28
$3,118.07
$3,162.22
$3,206.74
$3,251.63
$3,296.90
$3,342.54
$3,388.56
$3,434.97
$3,481.76
$3,528.94
$3,576.52
$3,624.49
$3,672.87
$3,721.64
$3,770.82
$3,820.41
$3,870.42
$3,920.84

$4,305.55
$4,341.43
$4,377.61
$4,414.09
$4,450.87
$4,487.96
$4,525.36
$4,563.07
$4,601.10
$4,639.44
$4,678.10
$4,717.09
$4,756.40
$4,796.03
$4,836.00
$4,876.30
$4,916.94
$4,957.91
$4,999.23
$5,040.89
$5,082.89
$5,125.25
$5,167.96
$5,211.03
$5,254.45
$5,298.24
$5,342.39
$5,386.91
$5,431.80
$5,477.07
$5,522.71
$5,568.73
$5,615.14
$5,661.93
$5,709.11
$5,756.69
$5,804.66
$5,853.04
$5,901.81
$5,950.99
$6,000.58
$6,050.59
$6,101.01

$259,351.04
$263,692.47
$268,070.08
$272,484.17
$276,935.04
$281,423.00
$285,948.36
$290,511.44
$295,112.53
$299,751.98
$304,430.08
$309,147.17
$313,903.56
$318,699.60
$323,535.60
$328,411.90
$333,328.83
$338,286.74
$343,285.97
$348,326.85
$353,409.75
$358,535.00
$363,702.96
$368,913.99
$374,168.44
$379,466.68
$384,809.08
$390,195.99
$395,627.79
$401,104.86
$406,627.57
$412,196.30
$417,811.44
$423,473.37
$429,182.49
$434,939.18
$440,743.84
$446,596.88
$452,498.69
$458,449.68
$464,450.26
$470,500.85
$476,601.86

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
305
306
307
308
309
310

$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17

$3,971.68
$4,022.95
$4,074.64
$4,126.76
$4,179.32
$4,232.32
$4,285.75
$4,339.64
$4,393.97
$4,448.75
$4,503.99
$4,559.70
$4,615.86
$4,672.50
$4,729.60
$4,787.18
$4,845.24
$4,903.79
$4,962.82
$5,022.35
$5,082.37
$5,142.89
$5,203.91
$5,265.45
$5,327.49
$5,390.06
$5,453.14
$5,516.75
$5,580.90
$5,645.57
$5,710.79
$5,776.54
$5,842.85
$5,909.71
$5,977.12
$6,045.10
$6,113.65
$6,182.76
$6,252.45
$6,322.72
$6,393.58
$6,465.03
$6,537.07

$6,151.85
$6,203.12
$6,254.81
$6,306.93
$6,359.49
$6,412.49
$6,465.92
$6,519.81
$6,574.14
$6,628.92
$6,684.16
$6,739.87
$6,796.03
$6,852.67
$6,909.77
$6,967.35
$7,025.41
$7,083.96
$7,142.99
$7,202.52
$7,262.54
$7,323.06
$7,384.08
$7,445.62
$7,507.66
$7,570.23
$7,633.31
$7,696.92
$7,761.07
$7,825.74
$7,890.96
$7,956.71
$8,023.02
$8,089.88
$8,157.29
$8,225.27
$8,293.82
$8,362.93
$8,432.62
$8,502.89
$8,573.75
$8,645.20
$8,717.24

$482,753.72
$488,956.83
$495,211.64
$501,518.58
$507,878.07
$514,290.56
$520,756.48
$527,276.29
$533,850.43
$540,479.35
$547,163.52
$553,903.38
$560,699.41
$567,552.08
$574,461.85
$581,429.20
$588,454.61
$595,538.57
$602,681.56
$609,884.08
$617,146.62
$624,469.68
$631,853.76
$639,299.38
$646,807.04
$654,377.27
$662,010.59
$669,707.51
$677,468.58
$685,294.32
$693,185.27
$701,141.99
$709,165.01
$717,254.89
$725,412.18
$733,637.45
$741,931.27
$750,294.20
$758,726.82
$767,229.71
$775,803.46
$784,448.66
$793,165.91

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
348
349
350
351
352
353

$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17

$6,609.72
$6,682.96
$6,756.82
$6,831.30
$6,906.39
$6,982.12
$7,058.47
$7,135.46
$7,213.09
$7,291.36
$7,370.29
$7,449.88
$7,530.13
$7,611.05
$7,692.64
$7,774.92
$7,857.88
$7,941.53
$8,025.87
$8,110.93
$8,196.68
$8,283.16
$8,370.35
$8,458.27
$8,546.93
$8,636.32
$8,726.46
$8,817.35
$8,908.99
$9,001.40
$9,094.58
$9,188.54
$9,283.28
$9,378.81
$9,475.13
$9,572.26
$9,670.19
$9,768.95
$9,868.52
$9,968.93
$10,070.17
$10,172.26
$10,275.19

$8,789.89
$8,863.13
$8,936.99
$9,011.47
$9,086.56
$9,162.29
$9,238.64
$9,315.63
$9,393.26
$9,471.53
$9,550.46
$9,630.05
$9,710.30
$9,791.22
$9,872.81
$9,955.09
$10,038.05
$10,121.70
$10,206.04
$10,291.10
$10,376.85
$10,463.33
$10,550.52
$10,638.44
$10,727.10
$10,816.49
$10,906.63
$10,997.52
$11,089.16
$11,181.57
$11,274.75
$11,368.71
$11,463.45
$11,558.98
$11,655.30
$11,752.43
$11,850.36
$11,949.12
$12,048.69
$12,149.10
$12,250.34
$12,352.43
$12,455.36

$801,955.79
$810,818.93
$819,755.92
$828,767.39
$837,853.95
$847,016.24
$856,254.88
$865,570.51
$874,963.76
$884,435.30
$893,985.76
$903,615.81
$913,326.12
$923,117.34
$932,990.15
$942,945.24
$952,983.29
$963,104.98
$973,311.03
$983,602.12
$993,978.98
$1,004,442.31
$1,014,992.83
$1,025,631.27
$1,036,358.37
$1,047,174.86
$1,058,081.49
$1,069,079.00
$1,080,168.16
$1,091,349.74
$1,102,624.49
$1,113,993.19
$1,125,456.64
$1,137,015.62
$1,148,670.92
$1,160,423.34
$1,172,273.71
$1,184,222.83
$1,196,271.52
$1,208,420.62
$1,220,670.96
$1,233,023.39
$1,245,478.75

354
355
356
357
358
359
360

$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$2,180.17
$475,277.06

$10,378.99
$10,483.65
$10,589.18
$10,695.59
$10,802.89
$10,911.08
$11,020.18

$12,559.16
$12,663.82
$12,769.35
$12,875.76
$12,983.06
$13,091.25
$13,200.35

$1,258,037.91
$1,270,701.73
$1,283,471.08
$1,296,346.85
$1,309,329.91
$1,322,421.16
$1,335,621.51

t until month 360.