Financial Planner P

Spr eadsheet Soluti

Author : Dean Mor r ison

-- Trial Vers
 Financial Planner Per sonal v3.2
Spr eadsheet Solutions
Author : Dean Mor r ison 3 / 10 / 2007

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 Financial Summary

Income Summary
Job Paycheck Annual Salary
Total $2,081.05 every two weeks $54,107.26

Income Distribution

Corporate Corp.
Wallmart

Asset Summary
Asset Amount
Total $83,000.00

AssetsSuntrust Savings Wachovia 5-year

CD
Suntrust My Company
Checking 401K
Fidelity IRA Home Equity
Mutual Funds
Wachovia
Savings

Net Worth
Current Net Worth $30,996.54

Cash Flow Summary

Monthly Income $4,508.94 Monthly Incomes Corporate Cor
Wallmart
Monthly Expenditures $3,981.96
Monthly Cash Flow $526.98
% of Income Expended 88.31%
 Allocations Summary
Allocation Amount Allocated Allocations
1 Retirement $5,000.00
2 Emergency $4,000.00
3 House $500.00 Retirement
4 Emergency
5 House
6
7
8
9
10
11
12
13
14
15
Unallocated Assets $73,500.00
Investments Summary
Investment Recurring Investment Amount
Total $1,630.00 every month

Investments (as percentage of total income)

Fidelity IRA
Suntrust Savings

Personal

Liability Summary
Asset Amount
Total $52,003.46

Debts Mortgage
Citicard Debt
Bank of America
Small Business Loan

Corporate Corp. Principal and Groceries

Monthly Incomes Monthly Expenditures
Interest
Wallmart
Taxes Gas
Insurance Miscellaneous
Other
Extra Payment
Utilities
TV & Internet
Auto Insurance
 Insurance Miscellaneous
Other
Extra Payment
Utilities
TV & Internet
Auto Insurance

Allocations

Retirement
Emergency
House

Unallocated
Assets
 Annual Investment Amount
$19,560.00

otal income)

Fidelity IRA
Suntrust Savings

Personal

Principal and Groceries

Monthly Expenditures
Interest
Taxes Gas
Insurance Miscellaneous
Other
Extra Payment
Utilities
TV & Internet
Auto Insurance
Insurance Miscellaneous
Other
Extra Payment
Utilities
TV & Internet
Auto Insurance
 Income Summary
By: Dean Morrison 8/1/2005

Income Summary
Salary
Job Salary Description Hours Worked
Annual Salary
Amount Period per Week
1 Corporate Corp. $60,000.00 Yearly 7 $60,000.00
2 Wallmart $7.50 Hourly 2 40 $15,600.00
3 --- 1
4 --- 1
5 --- 1
6 --- 1
7 All Incomes
8 --- Income Contributions

Corporate Corp.
Wallmart
 Deductions (per paycheck) Federal Withholding
Pre-tax After-tax (per paycheck)
Paycheck Period
Healthcare 401k 401k Taxable Income Social Security Medicare
Bi-Weekly 4 $61.50 $0.00 $154.62 $58,401.00 $139.26 $32.57
Weekly 3 $0.00 $0.00 $0.00 $15,600.00 $18.60 $4.35
--- 1
--- 1
--- 1
--- 1

Income Breakdown
Contribution
Corporate Corp. Job (% of total
Wallmart income)
1 Corporate Corp. 80.6%
2 Wallmart 19.4%
3
4
5
6
 ding Compensation
ck) Annual Salary
Paycheck Description
Withholding Before Taxes, Deductions
$242.79 $1,676.95 every two weeks $60,000.00
$75.00 $202.05 every week $15,600.00

Total: $75,600.00
on Tax Summary Federal Income
Annual Salary Annual Amount Paid in % of Annual Salary Paid in
After Taxes, Deductions Taxes, Withholdings Taxes, Withholdings
$43,600.66 $10,780.22 17.97%
$10,506.60 $5,093.40 32.65%

$54,107.26
Federal Income Tax Rate Schedules

Schedule X -- Single
If taxable income is But not
The Tax is …
over … over …
$0.00 $7,550.00 10% of the amount over $0
$7,550.00 $30,650.00 $755 plus 15% of the amount over $7,550
$30,650.00 $74,200.00 $4,220 plus 25% of the amount over $30,650
$74,200.00 $154,800.00 $15,107.50 plus 28% of the amount over $74,200
$154,800.00 $336,550.00 $37,675.50 plus 33% of the amount over $154,800
$336,550.00 no limit $97,653.00 plus 35% of the amount over $336,550

Schedule Y-1 -- Married, Filing Jointly or Qualified Widow(er)

If taxable income But not

The Tax is …
is over … over …

$0.00 $15,100.00 10% of the amount over $0

$15,100.00 $61,300.00 $1,510.00 plus 15% of the amount over $15,100
$61,300.00 $123,700.00 $8,440.00 plus 25% of the amount over $61,300
$123,700.00 $188,450.00 $24,040.00 plus 28% of the amount over $123,700
$188,450.00 $336,550.00 $42,170.00 plus 33% of the amount over $188,450
$336,550.00 no limit $91,043.00 plus 35% of the amount over $336,550

Schedule Y-2 -- Married, Filing Seperately

If taxable income But not
The Tax is …
is over … over …
$0.00 $7,550.00 10% of the amount over $0
$7,550.00 $30,650.00 $755.00 plus 15% of the amount over 7,550
$30,650.00 $61,850.00 $4,220.00 plus 25% of the amount over 30,650
$61,850.00 $94,225.00 $12,020.00 plus 28% of the amount over 61,850
$94,225.00 $168,275.00 $21,085.00 plus 33% of the amount over 94,225
$168,275.00 no limit $45,521.50 plus 35% of the amount over 168,275

Schedule X - Single
If taxable income But not
The Tax is …
is over … over …
$0.00 $10,750.00 10% of the amount over $0
$10,750.00 $41,050.00 $1,075.00 plus 15% of the amount over 10,750
$41,050.00 $106,000.00 $5,620.00 plus 25% of the amount over 41,050
$106,000.00 $171,650.00 $21,857.50 plus 28% of the amount over 106,000
$171,650.00 $336,550.00 $40,239.50 plus 33% of the amount over 171,650
$336,550.00 no limit $94,656.50 plus 35% of the amount over 336,550
The latest federal tax rate schedules may be found at the following websites:
http://www.irs.gov
http://www.irs.gov/formspubs/article/0,,id=150856,00.html
http://www.irs.gov
http://www.irs.gov/formspubs/article/0,,id=150856,00.html
 Federal Payroll Tax

Social Security
Tax Rate Income Limit
6.20% $97,500.00

Medicare
Tax Rate
1.45%
 Investments Summary

By: Dean Morrison 8/1/2005

Investments

Investment Amount
Investment Pre/Post Tax Divert From
% or $
Fidelity IRA $1,000.00 Pre-tax 2 Corporate Corp. 1
Suntrust Savings 10.0% After Tax 3 All Incomes 7
----- 1 5
----- 1 5
----- 1 5

Investments (as percentage of total income)

Fidelity IRA 22.18%

Suntrust Savings 13.97%
Fidelity IRA
#VALUE! Suntrust Savings
#VALUE!
#VALUE!
Personal 63.85%
Personal
 Investment
Recurring Investment Investment Amount (as
Period Amount (Per
Amount percent of total income)
Year)
Monthly 4 $1,000.00 every month $12,000.00 22.2%
Weekly 3 $145.38 every week $7,560.00 14.0%
---- 1
---- 1
---- 1
Total: $19,560.00
 Investment Description

Err:502
10% ($145.38) of All Incomes is invested into Suntrust Savings every week
$12,000.00
$0.00
$0.00
$0.00
$0.00
 Asset Summary
By: Dean Morrison 8/1/2005

List of Assets
Asset Account Type
1 Suntrust Savings Savings Account 2 Short-term Savings (Liquid)

2 Suntrust Checking Checking Account 3 Short-term Savings (Liquid)

3 Fidelity IRA IRA 4 Retirement Savings

4 Mutual Funds Mutual Fund 6 Long-term Savings

5 Wachovia Savings Savings Account 2 Short-term Savings (Liquid)

6 Wachovia 5-year CD CD 9 Short-term Savings (Non-liquid)

7 My Company 401K 401K 5 Retirement Savings

8 Home Equity ---- 1 Equity

9 0
10 0

Assets
Suntrust Savings
Suntrust Checking
Fidelity IRA Suntrust Savings
Mutual Funds Suntrust Checkin
Wachovia Savings Fidelity IRA
Wachovia 5-year CD Mutual Funds
My Company 401K Wachovia Saving
Home Equity Wachovia 5-year
My Company 401
Home Equity

4/16/2011
1/1/1111 1000
Date Total Assets $ Activity % Activity
 Go To …

Asset Type Value Contribution (%) Reference

Short-term Savings (Liquid) 2 $1,000.00 1.2% http://www.suntrust.com/
Short-term Savings (Liquid) 2 $2,000.00 2.4% http://www.suntrust.com/
Retirement Savings 5 $3,000.00 3.6% http://www.fidelity.com/
Long-term Savings 4 $4,000.00 4.8%
Short-term Savings (Liquid) 2 $5,000.00 6.0%
Short-term Savings (Non-liquid) 3 $6,000.00 7.2%
Retirement Savings 5 $2,000.00 2.4%
Equity 6 $60,000.00 72.3%
0
0
Total: $83,000.00
As of: Today 1

Assets
1.2%
2.4%
Suntrust Savings 3.6%
Suntrust Checking4.8%
Fidelity IRA 6.0%
Mutual Funds 7.2%
Wachovia Savings2.4%
Wachovia 5-year72.3%
CD
My Company 401K
Home Equity

Go To …

1000 $1,000.00 $1,000.00 $1,000.00 $1,000.00 1000

Suntrust Savings Suntrust Checking Fidelity IRA Mutual Funds
Wachovia Wachovia
Savings 5-year CD

Total Assets
12

10
 Total Assets
12

10

8
Asset Total ($)

0
12/30/99 1/1/00 1/3/00 1/5/00 1/7/00

Date

Individual Assets
12

10
Individual Asset Totals ($)

0
Individu
4

0
12/30/99 1/1/00 1/3/00 1/5/00 1/7/00 1/9/00

Date
 Summary of Assets (by account type)
Reference Account Type Value
om/ Savings Account $6,000.00
om/ Checking Account $2,000.00
m/ IRA $3,000.00
401K $2,000.00
Mutual Fund $4,000.00
Stock $0.00
Bond $0.00
CD $6,000.00

Assets (by account type)

Savings Account 7.2%

Checking Account2.4%
IRA 3.6%
401K 2.4%
Mutual Fund 4.8%
Stock 0.0%
Bond 0.0%
CD 7.2%

1000 1000 1000 1000

My Company 401K
Home Equity
1/7/00 1/9/00 1/11/00

Suntrust Savings
Suntrust Checking
Fidelity IRA
Mutual Funds
Wachovia Savings
Wachovia 5-year CD
My Company 401K
Home Equity
Column N
Column O
/7/00 1/9/00 1/11/00
 Go To …

Summary of Assets (by asset type)

Contribution (%) Asset Type
7.2% Short-term Savings (Liquid)
2.4% Short-term Savings (Non-liquid)
3.6% Long-term Savings
2.4% Retirement Savings
4.8% Equity
0.0%
0.0% Assets (by ass
7.2%
Short-term Savings (Liqu

(by account type) Short-term Savings (Non

Long-term Savings
Retirement Savings
Equity

Savings Account
Checking Account
IRA
401K
Mutual Fund
Stock
Bond
CD
 Value Contribution (%)
$8,000.00 9.6%
$6,000.00 7.2%
$4,000.00 4.8%
10.8%
$5,000.00 6.0%
$60,000.00 72.3%

Assets (by asset type)

9.6%
7.2%
4.8%
6.0%
72.3%
Short-term Savings
(Liquid)
Short-term Savings
(Non-liquid)
Long-term Savings
Retirement Savings
Equity
 Debt Summary
By: Dean Morrison 1/1/2007

List of Liabilities

Liabilitiy Debt Type Initial Value

1 Mortgage Home Loan 2 $100,000.00

2 Citicard Debt Credit Card 4 $5,000.00
3 Bank of America Small Business Loan Personal Loan 3 $5,500.00
4 0
5 0
6 0
7 0
8 0
9 0
10 0

Debts Mortgage
Citicard Debt
Bank of America
Small Business Loan

4/16/2011
1/1/1111 1000 1000
Date Total Debts $ Activity % Activity Mortgage

$35,000

$33,000

$31,000
 $35,000

$33,000

$31,000

$29,000

Debt Total ($)

$27,000

$25,000

$23,000

$21,000

$19,000

$17,000
12/30/99 1/1/00

$12

$10

$8
Individual Asset Totals ($)

$6

$4

$2
Individual
$4

$2

$0
12/30/99 1/1/00 1
 Debt Period Inception Accumulated Remaining Remaining
APR (%) Amount Paid
(years) Date Interest Principal Debt
6.17% 30.0 1/17/1985 $81,000.00 $21,000.00 $40,000.00 $40,000.00
8.70% 30.0 2/1/2007 $0.00 $0.00 $5,000.00 $5,000.00
6.50% 10.0 2/1/2007 $0.00 $1,503.46 $7,003.46 $7,003.46

Total: $52,003.46
As of: Today 1

bt
erica
ess Loan

$1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 1000 1000

Citicard DebtBank of America Small Business Loan

Total Debt
$35,000

$33,000

$31,000
 Total Debt
$35,000

$33,000

$31,000

$29,000

$27,000

$25,000

$23,000

$21,000

$19,000

$17,000
12/30/99 1/1/00 1/3/00 1/5/00 1/7/00 1/9/00 1/11/00

Date

Individual Debts
$12

$10 Mortgage
Citicard Debt
Bank of America Small Business
Loan
Column I
Column J
Column L
$8
Column N
Column P
Column Q
Column R

$6

$4

$2
$4

$2

$0
12/30/99 1/1/00 1/3/00 1/5/00 1/7/00 1/9/00 1/11/00

Date
 Summary of Debts (by debt type)
% of Total Accumulated
% Resolved Debt Type
Debt Total Debt
60.00% 76.92% $121,000.00 Home Loan
0.00% 9.61% $5,000.00 Personal Loan
-27.34% 13.47% $7,003.46 Credit Card
Other

Debt (by debt type)

oday

1000 1000
9/00 1/11/00

Mortgage
Citicard Debt
Bank of America Small Business
Loan
Column I
Column J
Column L
Column N
Column P
Column Q
Column R
 Value Contribution (%)

$40,000.00 76.9%
$7,003.46 13.5%
$5,000.00 9.6%
$0.00 0.0%

Debt (by debt type)

Home Loan
Personal Loan
Credit Card
Other
 Net Worth Summary
By: Dean Morrison 1/1/2007
12
Current Net Worth
Total Assets $83,000.00
Total Debt $52,003.46 10
Net Worth $30,996.54

0
Net Worth History 12/30/1899 1/1/1900 1
Date Net Worth $ Activity % Activity
 Net Worth

1/1/1900 1/3/1900 1/5/1900 1/7/1900 1/9/1900 1/11/1900

1/9/1900 1/11/1900
 Cash Flow Summary
By: Dean Morrison 1/1/2007

Monthly Income

Income Amount per Month % of Total

1 Corporate Corp. $3,633.39 80.58%
2 Wallmart $875.55 19.42%
3
4
5
6
7
8
9
10
11
12
13
14
15
Total $4,508.94

Monthly Incomes Corporate Corp.

Wallmart

Cash Flow

Monthly Income $4,508.94

Monthly Expenditures $3,981.96 $5,000.00
Monthly Cash Flow $526.98 $4,500.00
% of Income Expended 88.31%
$4,000.00
$3,500.00
$3,000.00
$2,500.00
$2,000.00
$1,500.00
$1,000.00
$4,000.00
$3,500.00
$3,000.00
$2,500.00
$2,000.00
$1,500.00
$1,000.00
$500.00
$0.00
1 6 11
Da
Monthly Expenditures

Expenditure Due Day Amount per Month % of Total

1 Principal and Interest 1 $2,110.00 52.99%
2 Taxes 1 $356.24 8.95%
3 Insurance Mortgage 1 $115.56 $2,700.13 2.90% 67.81%
4 Other 1 $18.33 0.46%
5 Extra Payment 1 $100.00 2.51%
6 Utilities 14 $250.00 6.28%
7 TV & Internet 16 $103.00 2.59%
8 Auto Insurance 1 $128.83 3.24%
9 Groceries 15 $450.00 11.30%
10 Gas 15 $250.00 6.28%
11 Miscellaneous 31 $100.00 2.51%
12
13
14
15
Total $3,981.96

Monthly ExpendituresPrincipal and Interest

Taxes
Insurance
Other
Extra Payment
Utilities
TV & Internet
Auto Insurance
Groceries
Gas
Miscellaneous

Monthly Cash Flow

Cumulative Incomes
Cumulative Expenditures
Cumulative Total
 Cumulative Incomes
Cumulative Expenditures
Cumulative Total

11 16 21 26 31
Day
 Cumulative Cumulative Cumulative
Day
Incomes Expenditures Total
1 $4,508.94 $2,828.96 $1,679.98
2 $4,508.94 $2,828.96 $1,679.98
3 $4,508.94 $2,828.96 $1,679.98
4 $4,508.94 $2,828.96 $1,679.98
5 $4,508.94 $2,828.96 $1,679.98
6 $4,508.94 $2,828.96 $1,679.98
7 $4,508.94 $2,828.96 $1,679.98
8 $4,508.94 $2,828.96 $1,679.98
9 $4,508.94 $2,828.96 $1,679.98
10 $4,508.94 $2,828.96 $1,679.98
11 $4,508.94 $2,828.96 $1,679.98
12 $4,508.94 $2,828.96 $1,679.98
13 $4,508.94 $2,828.96 $1,679.98
14 $4,508.94 $3,078.96 $1,429.98
15 $4,508.94 $3,778.96 $729.98
16 $4,508.94 $3,881.96 $626.98
17 $4,508.94 $3,881.96 $626.98
18 $4,508.94 $3,881.96 $626.98
19 $4,508.94 $3,881.96 $626.98
20 $4,508.94 $3,881.96 $626.98
21 $4,508.94 $3,881.96 $626.98
22 $4,508.94 $3,881.96 $626.98
23 $4,508.94 $3,881.96 $626.98
24 $4,508.94 $3,881.96 $626.98
25 $4,508.94 $3,881.96 $626.98
26 $4,508.94 $3,881.96 $626.98
27 $4,508.94 $3,881.96 $626.98
28 $4,508.94 $3,881.96 $626.98
29 $4,508.94 $3,881.96 $626.98
30 $4,508.94 $3,881.96 $626.98
31 $4,508.94 $3,981.96 $526.98
 Allocations Summary
By: Dean Morrison 6/1/2006

Allocations Summary
C
Allocation
% or $ | Asset %
1 Retirement $2,000.00 of Fidelity IRA 4 100.0%
2 Emergency 100.0% of Mutual Funds 5
3 House 50.0% of Suntrust Savings 2

4 ------ 1
5 ------ 1
6 ------ 1
7 ------ 1
8 ------ 1
9 ------ 1
10 ------ 1
11 ------ 1
12 ------ 1
13 ------ 1
14 ------ 1
15 ------ 1
Unallocated Assets

Allocations

Retirement
Emergency
House
 Contributions
or $ | Asset % or $ | Asset
of My Company 401K 8 20.0% of Wachovia Savings 6
------ 1 ------ 1
------ 1 ------ 1
------ 1 ------ 1
------ 1 ------ 1
------ 1 ------ 1
------ 1 ------ 1
------ 1 ------ 1
------ 1 ------ 1
------ 1 ------ 1
------ 1 ------ 1
------ 1 ------ 1
------ 1 ------ 1
------ 1 ------ 1
------ 1 ------ 1

Total Assets:

Asset Allocation Summary

Asset $ Allocated
1 Suntrust Savings $500.00
2 Suntrust Checking $0.00
3 Fidelity IRA $2,000.00
4 Mutual Funds $4,000.00
5 Wachovia Savings $1,000.00
6 Wachovia 5-year CD $0.00
7 My Company 401K $2,000.00
8 Home Equity $0.00
9
10
 Amount % of Total Assets
$5,000.00 6.0%
$4,000.00 4.8%
$500.00 0.6%

$73,500.00 88.6%
$83,000.00

% Allocated
50%
0%
67%
100%
20%
0%
100%
0%
Account Types Asset Types
---- 1 ---- 1
Savings Account 2 Short-term Savings (Liquid) 2
Checking Account 3 Short-term Savings (Non-liquid) 3
IRA 4 Long-term Savings 4
401K 5 Retirement Savings 5
Mutual Fund 6 Equity 6
Stock 7
Bond 8
CD 9

Debt Types
---- 1
Home Loan 2
Personal Loan 3
Credit Card 4
Other 5
Home Loan Amortization

Enter Values Loan Summary

Loan Amount $120,000.00 Scheduled Payment $732.71
Annual Interest Rate 6.171% Scheduled Number of Payments 360
Loan Period in Years 30 Actual Number of Payments 360
Number of Payments Per Year 12 Total Early Payments $-
Start Date of Loan 2/1/2007 Total Interest $143,774.19
Optional Extra Payments $-

Lender Name: Century 21

Pmt Payment Beginning Scheduled Extra Total

No. Date Balance Payment Payment Payment Principal Interest
1 3,2007 3/1/2007 $120,000.00 $732.71 $- $732.71 $115.61 $617.10
2 4,2007 4/1/2007 119,884.39 732.71 - 732.71 116.20 616.51
3 5,2007 5/1/2007 119,768.19 732.71 - 732.71 116.80 615.91
4 6,2007 6/1/2007 119,651.40 732.71 - 732.71 117.40 615.31
5 7,2007 7/1/2007 119,534.00 732.71 - 732.71 118.00 614.70
6 8,2007 8/1/2007 119,415.99 732.71 - 732.71 118.61 614.10
7 9,2007 9/1/2007 119,297.38 732.71 - 732.71 119.22 613.49
810,2007 10/1/2007 119,178.17 732.71 - 732.71 119.83 612.87
911,2007 11/1/2007 119,058.33 732.71 - 732.71 120.45 612.26
1012,2007 12/1/2007 118,937.88 732.71 - 732.71 121.07 611.64
11 1,2008 1/1/2008 118,816.82 732.71 - 732.71 121.69 611.02
12 2,2008 2/1/2008 118,695.13 732.71 - 732.71 122.32 610.39
13 3,2008 3/1/2008 118,572.81 732.71 - 732.71 122.95 609.76
14 4,2008 4/1/2008 118,449.86 732.71 - 732.71 123.58 609.13
15 5,2008 5/1/2008 118,326.29 732.71 - 732.71 124.21 608.49
16 6,2008 6/1/2008 118,202.07 732.71 - 732.71 124.85 607.85
17 7,2008 7/1/2008 118,077.22 732.71 - 732.71 125.49 607.21
18 8,2008 8/1/2008 117,951.73 732.71 - 732.71 126.14 606.57
19 9,2008 9/1/2008 117,825.59 732.71 - 732.71 126.79 605.92
2010,2008 10/1/2008 117,698.80 732.71 - 732.71 127.44 605.27
2111,2008 11/1/2008 117,571.36 732.71 - 732.71 128.10 604.61
2212,2008 12/1/2008 117,443.26 732.71 - 732.71 128.75 603.95
23 1,2009 1/1/2009 117,314.51 732.71 - 732.71 129.42 603.29
24 2,2009 2/1/2009 117,185.09 732.71 - 732.71 130.08 602.62
25 3,2009 3/1/2009 117,055.01 732.71 - 732.71 130.75 601.96
26 4,2009 4/1/2009 116,924.26 732.71 - 732.71 131.42 601.28
27 5,2009 5/1/2009 116,792.84 732.71 - 732.71 132.10 600.61
28 6,2009 6/1/2009 116,660.74 732.71 - 732.71 132.78 599.93
29 7,2009 7/1/2009 116,527.96 732.71 - 732.71 133.46 599.25
30 8,2009 8/1/2009 116,394.50 732.71 - 732.71 134.15 598.56
31 9,2009 9/1/2009 116,260.35 732.71 - 732.71 134.84 597.87
3210,2009 10/1/2009 116,125.52 732.71 - 732.71 135.53 597.18
3311,2009 11/1/2009 115,989.99 732.71 - 732.71 136.23 596.48
3412,2009 12/1/2009 115,853.76 732.71 - 732.71 136.93 595.78
35 1,2010 1/1/2010 115,716.83 732.71 - 732.71 137.63 595.07
36 2,2010 2/1/2010 115,579.20 732.71 - 732.71 138.34 594.37
37 3,2010 3/1/2010 115,440.86 732.71 - 732.71 139.05 593.65
38 4,2010 4/1/2010 115,301.81 732.71 - 732.71 139.77 592.94
39 5,2010 5/1/2010 115,162.04 732.71 - 732.71 140.49 592.22
40 6,2010 6/1/2010 115,021.55 732.71 - 732.71 141.21 591.50
41 7,2010 7/1/2010 114,880.35 732.71 - 732.71 141.93 590.77
42 8,2010 8/1/2010 114,738.41 732.71 - 732.71 142.66 590.04
43 9,2010 9/1/2010 114,595.75 732.71 - 732.71 143.40 589.31
4410,2010 10/1/2010 114,452.35 732.71 - 732.71 144.13 588.57
4511,2010 11/1/2010 114,308.22 732.71 - 732.71 144.88 587.83
4612,2010 12/1/2010 114,163.34 732.71 - 732.71 145.62 587.08
47 1,2011 1/1/2011 114,017.72 732.71 - 732.71 146.37 586.34
48 2,2011 2/1/2011 113,871.35 732.71 - 732.71 147.12 585.58
49 3,2011 3/1/2011 113,724.23 732.71 - 732.71 147.88 584.83
50 4,2011 4/1/2011 113,576.35 732.71 - 732.71 148.64 584.07
51 5,2011 5/1/2011 113,427.71 732.71 - 732.71 149.40 583.30
52 6,2011 6/1/2011 113,278.30 732.71 - 732.71 150.17 582.53
53 7,2011 7/1/2011 113,128.13 732.71 - 732.71 150.94 581.76
Pmt Payment Beginning Scheduled Extra Total
No. Date Balance Payment Payment Payment Principal Interest
54 8,2011 8/1/2011 112,977.19 732.71 - 732.71 151.72 580.99
55 9,2011 9/1/2011 112,825.47 732.71 - 732.71 152.50 580.20
5610,2011 10/1/2011 112,672.96 732.71 - 732.71 153.29 579.42
5711,2011 11/1/2011 112,519.68 732.71 - 732.71 154.07 578.63
5812,2011 12/1/2011 112,365.61 732.71 - 732.71 154.87 577.84
59 1,2012 1/1/2012 112,210.74 732.71 - 732.71 155.66 577.04
60 2,2012 2/1/2012 112,055.08 732.71 - 732.71 156.46 576.24
61 3,2012 3/1/2012 111,898.61 732.71 - 732.71 157.27 575.44
62 4,2012 4/1/2012 111,741.35 732.71 - 732.71 158.08 574.63
63 5,2012 5/1/2012 111,583.27 732.71 - 732.71 158.89 573.82
64 6,2012 6/1/2012 111,424.38 732.71 - 732.71 159.71 573.00
65 7,2012 7/1/2012 111,264.68 732.71 - 732.71 160.53 572.18
66 8,2012 8/1/2012 111,104.15 732.71 - 732.71 161.35 571.35
67 9,2012 9/1/2012 110,942.79 732.71 - 732.71 162.18 570.52
6810,2012 10/1/2012 110,780.61 732.71 - 732.71 163.02 569.69
6911,2012 11/1/2012 110,617.60 732.71 - 732.71 163.86 568.85
7012,2012 12/1/2012 110,453.74 732.71 - 732.71 164.70 568.01
71 1,2013 1/1/2013 110,289.04 732.71 - 732.71 165.54 567.16
72 2,2013 2/1/2013 110,123.50 732.71 - 732.71 166.40 566.31
73 3,2013 3/1/2013 109,957.10 732.71 - 732.71 167.25 565.45
74 4,2013 4/1/2013 109,789.85 732.71 - 732.71 168.11 564.59
75 5,2013 5/1/2013 109,621.74 732.71 - 732.71 168.98 563.73
76 6,2013 6/1/2013 109,452.76 732.71 - 732.71 169.85 562.86
77 7,2013 7/1/2013 109,282.92 732.71 - 732.71 170.72 561.99
78 8,2013 8/1/2013 109,112.20 732.71 - 732.71 171.60 561.11
79 9,2013 9/1/2013 108,940.60 732.71 - 732.71 172.48 560.23
8010,2013 10/1/2013 108,768.12 732.71 - 732.71 173.37 559.34
8111,2013 11/1/2013 108,594.76 732.71 - 732.71 174.26 558.45
8212,2013 12/1/2013 108,420.50 732.71 - 732.71 175.15 557.55
83 1,2014 1/1/2014 108,245.35 732.71 - 732.71 176.05 556.65
84 2,2014 2/1/2014 108,069.29 732.71 - 732.71 176.96 555.75
85 3,2014 3/1/2014 107,892.33 732.71 - 732.71 177.87 554.84
86 4,2014 4/1/2014 107,714.46 732.71 - 732.71 178.78 553.92
87 5,2014 5/1/2014 107,535.68 732.71 - 732.71 179.70 553.00
88 6,2014 6/1/2014 107,355.97 732.71 - 732.71 180.63 552.08
89 7,2014 7/1/2014 107,175.35 732.71 - 732.71 181.56 551.15
90 8,2014 8/1/2014 106,993.79 732.71 - 732.71 182.49 550.22
91 9,2014 9/1/2014 106,811.30 732.71 - 732.71 183.43 549.28
9210,2014 10/1/2014 106,627.87 732.71 - 732.71 184.37 548.33
9311,2014 11/1/2014 106,443.50 732.71 - 732.71 185.32 547.39
9412,2014 12/1/2014 106,258.18 732.71 - 732.71 186.27 546.43
95 1,2015 1/1/2015 106,071.90 732.71 - 732.71 187.23 545.47
96 2,2015 2/1/2015 105,884.67 732.71 - 732.71 188.19 544.51
97 3,2015 3/1/2015 105,696.48 732.71 - 732.71 189.16 543.54
98 4,2015 4/1/2015 105,507.32 732.71 - 732.71 190.13 542.57
99 5,2015 5/1/2015 105,317.18 732.71 - 732.71 191.11 541.59
100 6,2015 6/1/2015 105,126.07 732.71 - 732.71 192.10 540.61
101 7,2015 7/1/2015 104,933.97 732.71 - 732.71 193.08 539.62
102 8,2015 8/1/2015 104,740.89 732.71 - 732.71 194.08 538.63
103 9,2015 9/1/2015 104,546.81 732.71 - 732.71 195.07 537.63
10410,2015 10/1/2015 104,351.74 732.71 - 732.71 196.08 536.63
10511,2015 11/1/2015 104,155.66 732.71 - 732.71 197.09 535.62
10612,2015 12/1/2015 103,958.58 732.71 - 732.71 198.10 534.61
107 1,2016 1/1/2016 103,760.48 732.71 - 732.71 199.12 533.59
108 2,2016 2/1/2016 103,561.36 732.71 - 732.71 200.14 532.56
109 3,2016 3/1/2016 103,361.22 732.71 - 732.71 201.17 531.54
110 4,2016 4/1/2016 103,160.05 732.71 - 732.71 202.21 530.50
111 5,2016 5/1/2016 102,957.84 732.71 - 732.71 203.25 529.46
112 6,2016 6/1/2016 102,754.60 732.71 - 732.71 204.29 528.42
113 7,2016 7/1/2016 102,550.31 732.71 - 732.71 205.34 527.36
114 8,2016 8/1/2016 102,344.96 732.71 - 732.71 206.40 526.31
115 9,2016 9/1/2016 102,138.57 732.71 - 732.71 207.46 525.25
11610,2016 10/1/2016 101,931.11 732.71 - 732.71 208.53 524.18
11711,2016 11/1/2016 101,722.58 732.71 - 732.71 209.60 523.11
11812,2016 12/1/2016 101,512.99 732.71 - 732.71 210.68 522.03
119 1,2017 1/1/2017 101,302.31 732.71 - 732.71 211.76 520.95
120 2,2017 2/1/2017 101,090.55 732.71 - 732.71 212.85 519.86
Pmt Payment Beginning Scheduled Extra Total
No. Date Balance Payment Payment Payment Principal Interest
121 3,2017 3/1/2017 100,877.70 732.71 - 732.71 213.94 518.76
122 4,2017 4/1/2017 100,663.76 732.71 - 732.71 215.04 517.66
123 5,2017 5/1/2017 100,448.72 732.71 - 732.71 216.15 516.56
124 6,2017 6/1/2017 100,232.57 732.71 - 732.71 217.26 515.45
125 7,2017 7/1/2017 100,015.31 732.71 - 732.71 218.38 514.33
126 8,2017 8/1/2017 99,796.93 732.71 - 732.71 219.50 513.21
127 9,2017 9/1/2017 99,577.43 732.71 - 732.71 220.63 512.08
12810,2017 10/1/2017 99,356.80 732.71 - 732.71 221.76 510.94
12911,2017 11/1/2017 99,135.04 732.71 - 732.71 222.90 509.80
13012,2017 12/1/2017 98,912.13 732.71 - 732.71 224.05 508.66
131 1,2018 1/1/2018 98,688.08 732.71 - 732.71 225.20 507.50
132 2,2018 2/1/2018 98,462.88 732.71 - 732.71 226.36 506.35
133 3,2018 3/1/2018 98,236.52 732.71 - 732.71 227.52 505.18
134 4,2018 4/1/2018 98,009.00 732.71 - 732.71 228.69 504.01
135 5,2018 5/1/2018 97,780.30 732.71 - 732.71 229.87 502.84
136 6,2018 6/1/2018 97,550.43 732.71 - 732.71 231.05 501.65
137 7,2018 7/1/2018 97,319.38 732.71 - 732.71 232.24 500.46
138 8,2018 8/1/2018 97,087.14 732.71 - 732.71 233.44 499.27
139 9,2018 9/1/2018 96,853.70 732.71 - 732.71 234.64 498.07
14010,2018 10/1/2018 96,619.07 732.71 - 732.71 235.84 496.86
14111,2018 11/1/2018 96,383.22 732.71 - 732.71 237.06 495.65
14212,2018 12/1/2018 96,146.17 732.71 - 732.71 238.27 494.43
143 1,2019 1/1/2019 95,907.89 732.71 - 732.71 239.50 493.21
144 2,2019 2/1/2019 95,668.39 732.71 - 732.71 240.73 491.97
145 3,2019 3/1/2019 95,427.66 732.71 - 732.71 241.97 490.74
146 4,2019 4/1/2019 95,185.69 732.71 - 732.71 243.21 489.49
147 5,2019 5/1/2019 94,942.48 732.71 - 732.71 244.46 488.24
148 6,2019 6/1/2019 94,698.01 732.71 - 732.71 245.72 486.98
149 7,2019 7/1/2019 94,452.29 732.71 - 732.71 246.99 485.72
150 8,2019 8/1/2019 94,205.31 732.71 - 732.71 248.26 484.45
151 9,2019 9/1/2019 93,957.05 732.71 - 732.71 249.53 483.17
15210,2019 10/1/2019 93,707.52 732.71 - 732.71 250.82 481.89
15311,2019 11/1/2019 93,456.71 732.71 - 732.71 252.10 480.60
15412,2019 12/1/2019 93,204.60 732.71 - 732.71 253.40 479.30
155 1,2020 1/1/2020 92,951.20 732.71 - 732.71 254.70 478.00
156 2,2020 2/1/2020 92,696.49 732.71 - 732.71 256.01 476.69
157 3,2020 3/1/2020 92,440.48 732.71 - 732.71 257.33 475.38
158 4,2020 4/1/2020 92,183.15 732.71 - 732.71 258.65 474.05
159 5,2020 5/1/2020 91,924.49 732.71 - 732.71 259.98 472.72
160 6,2020 6/1/2020 91,664.51 732.71 - 732.71 261.32 471.38
161 7,2020 7/1/2020 91,403.19 732.71 - 732.71 262.67 470.04
162 8,2020 8/1/2020 91,140.52 732.71 - 732.71 264.02 468.69
163 9,2020 9/1/2020 90,876.51 732.71 - 732.71 265.37 467.33
16410,2020 10/1/2020 90,611.13 732.71 - 732.71 266.74 465.97
16511,2020 11/1/2020 90,344.40 732.71 - 732.71 268.11 464.60
16612,2020 12/1/2020 90,076.29 732.71 - 732.71 269.49 463.22
167 1,2021 1/1/2021 89,806.80 732.71 - 732.71 270.87 461.83
168 2,2021 2/1/2021 89,535.92 732.71 - 732.71 272.27 460.44
169 3,2021 3/1/2021 89,263.65 732.71 - 732.71 273.67 459.04
170 4,2021 4/1/2021 88,989.99 732.71 - 732.71 275.08 457.63
171 5,2021 5/1/2021 88,714.91 732.71 - 732.71 276.49 456.22
172 6,2021 6/1/2021 88,438.42 732.71 - 732.71 277.91 454.79
173 7,2021 7/1/2021 88,160.51 732.71 - 732.71 279.34 453.37
174 8,2021 8/1/2021 87,881.17 732.71 - 732.71 280.78 451.93
175 9,2021 9/1/2021 87,600.39 732.71 - 732.71 282.22 450.49
17610,2021 10/1/2021 87,318.17 732.71 - 732.71 283.67 449.03
17711,2021 11/1/2021 87,034.50 732.71 - 732.71 285.13 447.57
17812,2021 12/1/2021 86,749.37 732.71 - 732.71 286.60 446.11
179 1,2022 1/1/2022 86,462.77 732.71 - 732.71 288.07 444.63
180 2,2022 2/1/2022 86,174.70 732.71 - 732.71 289.55 443.15
181 3,2022 3/1/2022 85,885.15 732.71 - 732.71 291.04 441.66
182 4,2022 4/1/2022 85,594.11 732.71 - 732.71 292.54 440.17
183 5,2022 5/1/2022 85,301.57 732.71 - 732.71 294.04 438.66
184 6,2022 6/1/2022 85,007.52 732.71 - 732.71 295.55 437.15
185 7,2022 7/1/2022 84,711.97 732.71 - 732.71 297.07 435.63
186 8,2022 8/1/2022 84,414.89 732.71 - 732.71 298.60 434.10
187 9,2022 9/1/2022 84,116.29 732.71 - 732.71 300.14 432.57
Pmt Payment Beginning Scheduled Extra Total
No. Date Balance Payment Payment Payment Principal Interest
18810,2022 10/1/2022 83,816.15 732.71 - 732.71 301.68 431.02
18911,2022 11/1/2022 83,514.47 732.71 - 732.71 303.23 429.47
19012,2022 12/1/2022 83,211.24 732.71 - 732.71 304.79 427.91
191 1,2023 1/1/2023 82,906.45 732.71 - 732.71 306.36 426.35
192 2,2023 2/1/2023 82,600.09 732.71 - 732.71 307.94 424.77
193 3,2023 3/1/2023 82,292.15 732.71 - 732.71 309.52 423.19
194 4,2023 4/1/2023 81,982.63 732.71 - 732.71 311.11 421.60
195 5,2023 5/1/2023 81,671.52 732.71 - 732.71 312.71 420.00
196 6,2023 6/1/2023 81,358.81 732.71 - 732.71 314.32 418.39
197 7,2023 7/1/2023 81,044.49 732.71 - 732.71 315.93 416.77
198 8,2023 8/1/2023 80,728.56 732.71 - 732.71 317.56 415.15
199 9,2023 9/1/2023 80,411.00 732.71 - 732.71 319.19 413.51
20010,2023 10/1/2023 80,091.81 732.71 - 732.71 320.83 411.87
20111,2023 11/1/2023 79,770.97 732.71 - 732.71 322.48 410.22
20212,2023 12/1/2023 79,448.49 732.71 - 732.71 324.14 408.56
203 1,2024 1/1/2024 79,124.35 732.71 - 732.71 325.81 406.90
204 2,2024 2/1/2024 78,798.54 732.71 - 732.71 327.48 405.22
205 3,2024 3/1/2024 78,471.05 732.71 - 732.71 329.17 403.54
206 4,2024 4/1/2024 78,141.89 732.71 - 732.71 330.86 401.84
207 5,2024 5/1/2024 77,811.02 732.71 - 732.71 332.56 400.14
208 6,2024 6/1/2024 77,478.46 732.71 - 732.71 334.27 398.43
209 7,2024 7/1/2024 77,144.19 732.71 - 732.71 335.99 396.71
210 8,2024 8/1/2024 76,808.20 732.71 - 732.71 337.72 394.99
211 9,2024 9/1/2024 76,470.48 732.71 - 732.71 339.46 393.25
21210,2024 10/1/2024 76,131.02 732.71 - 732.71 341.20 391.50
21311,2024 11/1/2024 75,789.82 732.71 - 732.71 342.96 389.75
21412,2024 12/1/2024 75,446.86 732.71 - 732.71 344.72 387.99
215 1,2025 1/1/2025 75,102.14 732.71 - 732.71 346.49 386.21
216 2,2025 2/1/2025 74,755.65 732.71 - 732.71 348.28 384.43
217 3,2025 3/1/2025 74,407.37 732.71 - 732.71 350.07 382.64
218 4,2025 4/1/2025 74,057.31 732.71 - 732.71 351.87 380.84
219 5,2025 5/1/2025 73,705.44 732.71 - 732.71 353.68 379.03
220 6,2025 6/1/2025 73,351.76 732.71 - 732.71 355.49 377.21
221 7,2025 7/1/2025 72,996.27 732.71 - 732.71 357.32 375.38
222 8,2025 8/1/2025 72,638.95 732.71 - 732.71 359.16 373.55
223 9,2025 9/1/2025 72,279.79 732.71 - 732.71 361.01 371.70
22410,2025 10/1/2025 71,918.78 732.71 - 732.71 362.86 369.84
22511,2025 11/1/2025 71,555.91 732.71 - 732.71 364.73 367.98
22612,2025 12/1/2025 71,191.18 732.71 - 732.71 366.61 366.10
227 1,2026 1/1/2026 70,824.58 732.71 - 732.71 368.49 364.22
228 2,2026 2/1/2026 70,456.09 732.71 - 732.71 370.39 362.32
229 3,2026 3/1/2026 70,085.70 732.71 - 732.71 372.29 360.42
230 4,2026 4/1/2026 69,713.41 732.71 - 732.71 374.20 358.50
231 5,2026 5/1/2026 69,339.21 732.71 - 732.71 376.13 356.58
232 6,2026 6/1/2026 68,963.08 732.71 - 732.71 378.06 354.64
233 7,2026 7/1/2026 68,585.01 732.71 - 732.71 380.01 352.70
234 8,2026 8/1/2026 68,205.01 732.71 - 732.71 381.96 350.74
235 9,2026 9/1/2026 67,823.05 732.71 - 732.71 383.93 348.78
23610,2026 10/1/2026 67,439.12 732.71 - 732.71 385.90 346.81
23711,2026 11/1/2026 67,053.22 732.71 - 732.71 387.88 344.82
23812,2026 12/1/2026 66,665.33 732.71 - 732.71 389.88 342.83
239 1,2027 1/1/2027 66,275.45 732.71 - 732.71 391.88 340.82
240 2,2027 2/1/2027 65,883.57 732.71 - 732.71 393.90 338.81
241 3,2027 3/1/2027 65,489.67 732.71 - 732.71 395.93 336.78
242 4,2027 4/1/2027 65,093.74 732.71 - 732.71 397.96 334.74
243 5,2027 5/1/2027 64,695.78 732.71 - 732.71 400.01 332.70
244 6,2027 6/1/2027 64,295.78 732.71 - 732.71 402.07 330.64
245 7,2027 7/1/2027 63,893.71 732.71 - 732.71 404.13 328.57
246 8,2027 8/1/2027 63,489.58 732.71 - 732.71 406.21 326.50
247 9,2027 9/1/2027 63,083.37 732.71 - 732.71 408.30 324.41
24810,2027 10/1/2027 62,675.07 732.71 - 732.71 410.40 322.31
24911,2027 11/1/2027 62,264.67 732.71 - 732.71 412.51 320.20
25012,2027 12/1/2027 61,852.16 732.71 - 732.71 414.63 318.07
251 1,2028 1/1/2028 61,437.53 732.71 - 732.71 416.76 315.94
252 2,2028 2/1/2028 61,020.76 732.71 - 732.71 418.91 313.80
253 3,2028 3/1/2028 60,601.86 732.71 - 732.71 421.06 311.65
254 4,2028 4/1/2028 60,180.79 732.71 - 732.71 423.23 309.48
Pmt Payment Beginning Scheduled Extra Total
No. Date Balance Payment Payment Payment Principal Interest
255 5,2028 5/1/2028 59,757.57 732.71 - 732.71 425.40 307.30
256 6,2028 6/1/2028 59,332.17 732.71 - 732.71 427.59 305.12
257 7,2028 7/1/2028 58,904.57 732.71 - 732.71 429.79 302.92
258 8,2028 8/1/2028 58,474.79 732.71 - 732.71 432.00 300.71
259 9,2028 9/1/2028 58,042.79 732.71 - 732.71 434.22 298.49
26010,2028 10/1/2028 57,608.56 732.71 - 732.71 436.45 296.25
26111,2028 11/1/2028 57,172.11 732.71 - 732.71 438.70 294.01
26212,2028 12/1/2028 56,733.41 732.71 - 732.71 440.95 291.75
263 1,2029 1/1/2029 56,292.46 732.71 - 732.71 443.22 289.48
264 2,2029 2/1/2029 55,849.24 732.71 - 732.71 445.50 287.20
265 3,2029 3/1/2029 55,403.73 732.71 - 732.71 447.79 284.91
266 4,2029 4/1/2029 54,955.94 732.71 - 732.71 450.10 282.61
267 5,2029 5/1/2029 54,505.85 732.71 - 732.71 452.41 280.30
268 6,2029 6/1/2029 54,053.44 732.71 - 732.71 454.74 277.97
269 7,2029 7/1/2029 53,598.70 732.71 - 732.71 457.07 275.63
270 8,2029 8/1/2029 53,141.63 732.71 - 732.71 459.43 273.28
271 9,2029 9/1/2029 52,682.20 732.71 - 732.71 461.79 270.92
27210,2029 10/1/2029 52,220.41 732.71 - 732.71 464.16 268.54
27311,2029 11/1/2029 51,756.25 732.71 - 732.71 466.55 266.16
27412,2029 12/1/2029 51,289.70 732.71 - 732.71 468.95 263.76
275 1,2030 1/1/2030 50,820.75 732.71 - 732.71 471.36 261.35
276 2,2030 2/1/2030 50,349.39 732.71 - 732.71 473.78 258.92
277 3,2030 3/1/2030 49,875.61 732.71 - 732.71 476.22 256.49
278 4,2030 4/1/2030 49,399.39 732.71 - 732.71 478.67 254.04
279 5,2030 5/1/2030 48,920.72 732.71 - 732.71 481.13 251.57
280 6,2030 6/1/2030 48,439.59 732.71 - 732.71 483.61 249.10
281 7,2030 7/1/2030 47,955.98 732.71 - 732.71 486.09 246.61
282 8,2030 8/1/2030 47,469.89 732.71 - 732.71 488.59 244.11
283 9,2030 9/1/2030 46,981.30 732.71 - 732.71 491.10 241.60
28410,2030 10/1/2030 46,490.19 732.71 - 732.71 493.63 239.08
28511,2030 11/1/2030 45,996.56 732.71 - 732.71 496.17 236.54
28612,2030 12/1/2030 45,500.39 732.71 - 732.71 498.72 233.99
287 1,2031 1/1/2031 45,001.67 732.71 - 732.71 501.28 231.42
288 2,2031 2/1/2031 44,500.39 732.71 - 732.71 503.86 228.84
289 3,2031 3/1/2031 43,996.52 732.71 - 732.71 506.45 226.25
290 4,2031 4/1/2031 43,490.07 732.71 - 732.71 509.06 223.65
291 5,2031 5/1/2031 42,981.01 732.71 - 732.71 511.68 221.03
292 6,2031 6/1/2031 42,469.33 732.71 - 732.71 514.31 218.40
293 7,2031 7/1/2031 41,955.03 732.71 - 732.71 516.95 215.75
294 8,2031 8/1/2031 41,438.07 732.71 - 732.71 519.61 213.10
295 9,2031 9/1/2031 40,918.46 732.71 - 732.71 522.28 210.42
29610,2031 10/1/2031 40,396.18 732.71 - 732.71 524.97 207.74
29711,2031 11/1/2031 39,871.21 732.71 - 732.71 527.67 205.04
29812,2031 12/1/2031 39,343.54 732.71 - 732.71 530.38 202.32
299 1,2032 1/1/2032 38,813.16 732.71 - 732.71 533.11 199.60
300 2,2032 2/1/2032 38,280.05 732.71 - 732.71 535.85 196.86
301 3,2032 3/1/2032 37,744.20 732.71 - 732.71 538.61 194.10
302 4,2032 4/1/2032 37,205.60 732.71 - 732.71 541.38 191.33
303 5,2032 5/1/2032 36,664.22 732.71 - 732.71 544.16 188.55
304 6,2032 6/1/2032 36,120.06 732.71 - 732.71 546.96 185.75
305 7,2032 7/1/2032 35,573.10 732.71 - 732.71 549.77 182.93
306 8,2032 8/1/2032 35,023.33 732.71 - 732.71 552.60 180.11
307 9,2032 9/1/2032 34,470.73 732.71 - 732.71 555.44 177.27
30810,2032 10/1/2032 33,915.29 732.71 - 732.71 558.30 174.41
30911,2032 11/1/2032 33,356.99 732.71 - 732.71 561.17 171.54
31012,2032 12/1/2032 32,795.83 732.71 - 732.71 564.05 168.65
311 1,2033 1/1/2033 32,231.77 732.71 - 732.71 566.95 165.75
312 2,2033 2/1/2033 31,664.82 732.71 - 732.71 569.87 162.84
313 3,2033 3/1/2033 31,094.95 732.71 - 732.71 572.80 159.91
314 4,2033 4/1/2033 30,522.15 732.71 - 732.71 575.75 156.96
315 5,2033 5/1/2033 29,946.40 732.71 - 732.71 578.71 154.00
316 6,2033 6/1/2033 29,367.69 732.71 - 732.71 581.68 151.02
317 7,2033 7/1/2033 28,786.01 732.71 - 732.71 584.67 148.03
318 8,2033 8/1/2033 28,201.34 732.71 - 732.71 587.68 145.03
319 9,2033 9/1/2033 27,613.66 732.71 - 732.71 590.70 142.00
32010,2033 10/1/2033 27,022.95 732.71 - 732.71 593.74 138.97
32111,2033 11/1/2033 26,429.21 732.71 - 732.71 596.79 135.91
Pmt Payment Beginning Scheduled Extra Total
No. Date Balance Payment Payment Payment Principal Interest
32212,2033 12/1/2033 25,832.42 732.71 - 732.71 599.86 132.84
323 1,2034 1/1/2034 25,232.56 732.71 - 732.71 602.95 129.76
324 2,2034 2/1/2034 24,629.61 732.71 - 732.71 606.05 126.66
325 3,2034 3/1/2034 24,023.56 732.71 - 732.71 609.16 123.54
326 4,2034 4/1/2034 23,414.40 732.71 - 732.71 612.30 120.41
327 5,2034 5/1/2034 22,802.10 732.71 - 732.71 615.45 117.26
328 6,2034 6/1/2034 22,186.65 732.71 - 732.71 618.61 114.09
329 7,2034 7/1/2034 21,568.04 732.71 - 732.71 621.79 110.91
330 8,2034 8/1/2034 20,946.25 732.71 - 732.71 624.99 107.72
331 9,2034 9/1/2034 20,321.26 732.71 - 732.71 628.20 104.50
33210,2034 10/1/2034 19,693.05 732.71 - 732.71 631.43 101.27
33311,2034 11/1/2034 19,061.62 732.71 - 732.71 634.68 98.02
33412,2034 12/1/2034 18,426.94 732.71 - 732.71 637.95 94.76
335 1,2035 1/1/2035 17,788.99 732.71 - 732.71 641.23 91.48
336 2,2035 2/1/2035 17,147.77 732.71 - 732.71 644.52 88.18
337 3,2035 3/1/2035 16,503.24 732.71 - 732.71 647.84 84.87
338 4,2035 4/1/2035 15,855.41 732.71 - 732.71 651.17 81.54
339 5,2035 5/1/2035 15,204.24 732.71 - 732.71 654.52 78.19
340 6,2035 6/1/2035 14,549.72 732.71 - 732.71 657.88 74.82
341 7,2035 7/1/2035 13,891.83 732.71 - 732.71 661.27 71.44
342 8,2035 8/1/2035 13,230.57 732.71 - 732.71 664.67 68.04
343 9,2035 9/1/2035 12,565.90 732.71 - 732.71 668.09 64.62
34410,2035 10/1/2035 11,897.81 732.71 - 732.71 671.52 61.18
34511,2035 11/1/2035 11,226.29 732.71 - 732.71 674.97 57.73
34612,2035 12/1/2035 10,551.32 732.71 - 732.71 678.45 54.26
347 1,2036 1/1/2036 9,872.87 732.71 - 732.71 681.93 50.77
348 2,2036 2/1/2036 9,190.93 732.71 - 732.71 685.44 47.26
349 3,2036 3/1/2036 8,505.49 732.71 - 732.71 688.97 43.74
350 4,2036 4/1/2036 7,816.53 732.71 - 732.71 692.51 40.20
351 5,2036 5/1/2036 7,124.02 732.71 - 732.71 696.07 36.64
352 6,2036 6/1/2036 6,427.95 732.71 - 732.71 699.65 33.06
353 7,2036 7/1/2036 5,728.30 732.71 - 732.71 703.25 29.46
354 8,2036 8/1/2036 5,025.05 732.71 - 732.71 706.86 25.84
355 9,2036 9/1/2036 4,318.18 732.71 - 732.71 710.50 22.21
35610,2036 10/1/2036 3,607.68 732.71 - 732.71 714.15 18.55
35711,2036 11/1/2036 2,893.53 732.71 - 732.71 717.83 14.88
35812,2036 12/1/2036 2,175.70 732.71 - 732.71 721.52 11.19
359 1,2037 1/1/2037 1,454.19 732.71 - 732.71 725.23 7.48
360 2,2037 2/1/2037 728.96 732.71 - 728.96 725.21 3.75
 Home Equity Summary
House Price $230,000.00
Down Payment $35,000.00
Total Principal Vested $6,572.29 5.48%
Total Home Equity $41,572.29

Ending
Balance
$119,884.39
119,768.19
119,651.40
119,534.00
119,415.99
119,297.38
119,178.17
119,058.33
118,937.88
118,816.82
118,695.13
118,572.81
118,449.86
118,326.29
118,202.07
118,077.22
117,951.73
117,825.59
117,698.80
117,571.36
117,443.26
117,314.51
117,185.09
117,055.01
116,924.26
116,792.84
116,660.74
116,527.96
116,394.50
116,260.35
116,125.52
115,989.99
115,853.76
115,716.83
115,579.20
115,440.86
115,301.81
115,162.04
115,021.55
114,880.35
114,738.41
114,595.75
114,452.35
114,308.22
114,163.34
114,017.72
113,871.35
113,724.23
113,576.35
113,427.71
113,278.30
113,128.13
112,977.19
 Ending
Balance
112,825.47
112,672.96
112,519.68
112,365.61
112,210.74
112,055.08
111,898.61
111,741.35
111,583.27
111,424.38
111,264.68
111,104.15
110,942.79
110,780.61
110,617.60
110,453.74
110,289.04
110,123.50
109,957.10
109,789.85
109,621.74
109,452.76
109,282.92
109,112.20
108,940.60
108,768.12
108,594.76
108,420.50
108,245.35
108,069.29
107,892.33
107,714.46
107,535.68
107,355.97
107,175.35
106,993.79
106,811.30
106,627.87
106,443.50
106,258.18
106,071.90
105,884.67
105,696.48
105,507.32
105,317.18
105,126.07
104,933.97
104,740.89
104,546.81
104,351.74
104,155.66
103,958.58
103,760.48
103,561.36
103,361.22
103,160.05
102,957.84
102,754.60
102,550.31
102,344.96
102,138.57
101,931.11
101,722.58
101,512.99
101,302.31
101,090.55
100,877.70
 Ending
Balance
100,663.76
100,448.72
100,232.57
100,015.31
99,796.93
99,577.43
99,356.80
99,135.04
98,912.13
98,688.08
98,462.88
98,236.52
98,009.00
97,780.30
97,550.43
97,319.38
97,087.14
96,853.70
96,619.07
96,383.22
96,146.17
95,907.89
95,668.39
95,427.66
95,185.69
94,942.48
94,698.01
94,452.29
94,205.31
93,957.05
93,707.52
93,456.71
93,204.60
92,951.20
92,696.49
92,440.48
92,183.15
91,924.49
91,664.51
91,403.19
91,140.52
90,876.51
90,611.13
90,344.40
90,076.29
89,806.80
89,535.92
89,263.65
88,989.99
88,714.91
88,438.42
88,160.51
87,881.17
87,600.39
87,318.17
87,034.50
86,749.37
86,462.77
86,174.70
85,885.15
85,594.11
85,301.57
85,007.52
84,711.97
84,414.89
84,116.29
83,816.15
Ending
Balance
83,514.47
83,211.24
82,906.45
82,600.09
82,292.15
81,982.63
81,671.52
81,358.81
81,044.49
80,728.56
80,411.00
80,091.81
79,770.97
79,448.49
79,124.35
78,798.54
78,471.05
78,141.89
77,811.02
77,478.46
77,144.19
76,808.20
76,470.48
76,131.02
75,789.82
75,446.86
75,102.14
74,755.65
74,407.37
74,057.31
73,705.44
73,351.76
72,996.27
72,638.95
72,279.79
71,918.78
71,555.91
71,191.18
70,824.58
70,456.09
70,085.70
69,713.41
69,339.21
68,963.08
68,585.01
68,205.01
67,823.05
67,439.12
67,053.22
66,665.33
66,275.45
65,883.57
65,489.67
65,093.74
64,695.78
64,295.78
63,893.71
63,489.58
63,083.37
62,675.07
62,264.67
61,852.16
61,437.53
61,020.76
60,601.86
60,180.79
59,757.57
Ending
Balance
59,332.17
58,904.57
58,474.79
58,042.79
57,608.56
57,172.11
56,733.41
56,292.46
55,849.24
55,403.73
54,955.94
54,505.85
54,053.44
53,598.70
53,141.63
52,682.20
52,220.41
51,756.25
51,289.70
50,820.75
50,349.39
49,875.61
49,399.39
48,920.72
48,439.59
47,955.98
47,469.89
46,981.30
46,490.19
45,996.56
45,500.39
45,001.67
44,500.39
43,996.52
43,490.07
42,981.01
42,469.33
41,955.03
41,438.07
40,918.46
40,396.18
39,871.21
39,343.54
38,813.16
38,280.05
37,744.20
37,205.60
36,664.22
36,120.06
35,573.10
35,023.33
34,470.73
33,915.29
33,356.99
32,795.83
32,231.77
31,664.82
31,094.95
30,522.15
29,946.40
29,367.69
28,786.01
28,201.34
27,613.66
27,022.95
26,429.21
25,832.42
Ending
Balance
25,232.56
24,629.61
24,023.56
23,414.40
22,802.10
22,186.65
21,568.04
20,946.25
20,321.26
19,693.05
19,061.62
18,426.94
17,788.99
17,147.77
16,503.24
15,855.41
15,204.24
14,549.72
13,891.83
13,230.57
12,565.90
11,897.81
11,226.29
10,551.32
9,872.87
9,190.93
8,505.49
7,816.53
7,124.02
6,427.95
5,728.30
5,025.05
4,318.18
3,607.68
2,893.53
2,175.70
1,454.19
728.96
0.00
Highlighting

= Input
= Estimation
= Calculated
High <----------------------> Low
Importance

Cash Flow

Incomes Investments Assets

Checking Account

IRA

$$$ CD

Savings Account

.
.
$$$ .

401K
Allocations

Emergency

Retirement

.
.
.

College Fund
User's Guide

For help using Financial Planner (Personal), please refer to the user's guide located on the following websit
http://home.earthlink.net/~spreadsheetsolutions/products.htm

Disclaimer

The author and distributor of this financial planning tool are not liable for any financial damages that result f
reference to this product. Furthermore, it is strongly recommended to consult a certified Financial Planner p
any decisions related to the user's personal finances. This tool should not be used as a sole source of finan
The main intent of this product is to provide the user with a more lucid and accurate understanding of his or
from all aspects of personal finance. All calculations made in this product are "best estimates". Although th
aware of any potential miscalculations or inherent inaccuracies, there is no guarantee to the absence of suc

Contact Information

If the User's Guide failed to help you with your problem(s), please feel free to contact the Author

Email: SpreadsheetSolutions.help@gmail.com
cated on the following website:

nancial damages that result from the use of or

a certified Financial Planner prior to making
used as a sole source of financial planning.
urate understanding of his or her finances,
best estimates". Although the author is un-
arantee to the absence of such flaws.

ontact the Author