File Name: 88155362.xls.

ms_office

Sheet Name: Loan Payment

Loan Payment Calculator (Variable Interest Rate)

Customized by:
www.bebas-hutang.com

For a single rate loan (360 month maximum)

**Suitable for Housing Loan, ASB Loan, or Reducing Balance Basis Loan such as Flexi-Cash
No $ sign
$102,500.00 Amount of money borrowed
$657.28 Monthly payment
No % sign
5.95 Annual interest rate. Example: 8.5% = 8.5
$94,683.90 Total interest paid
300 Number of monthly payments
$197,183.90 Total amount repaid
Enter 1 - 12
2 Month first payment due. Example May = 5
25 Year Loan
No $ sign
$343.00 Desired Additional Money Paid Monthly
The extra money each month, reduces your interest to $40,978.23
Your interest savings would be $53,705.68
Number of monthly payments would be 144
156 less monthly payments would have to be made.
Pmnt
#
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov

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

Beginning
Balance

$102,500.00
$102,007.95
$101,513.46
$101,016.52
$100,517.11
$100,015.23
$99,510.86
$99,003.99
$98,494.60
$97,982.69
$97,468.24
$96,951.24
$96,431.68
$95,909.54
$95,384.81
$94,857.48
$94,327.54
$93,794.96
$93,259.75
$92,721.88
$92,181.35
$91,638.14
$91,092.23
$90,543.62
$89,992.28
$89,438.21
$88,881.40
$88,321.82
$87,759.47
$87,194.33
$86,626.39
$86,055.63
$85,482.05
$84,905.62

3/11/2012 10:19 PM

Interest
Payment

$508.23
$505.79
$503.34
$500.87
$498.40
$495.91
$493.41
$490.89
$488.37
$485.83
$483.28
$480.72
$478.14
$475.55
$472.95
$470.34
$467.71
$465.07
$462.41
$459.75
$457.07
$454.37
$451.67
$448.95
$446.21
$443.46
$440.70
$437.93
$435.14
$432.34
$429.52
$426.69
$423.85
$420.99

Principal
Payment

$492.05
$494.49
$496.94
$499.41
$501.88
$504.37
$506.87
$509.38
$511.91
$514.45
$517.00
$519.56
$522.14
$524.73
$527.33
$529.94
$532.57
$535.21
$537.87
$540.53
$543.21
$545.91
$548.61
$551.33
$554.07
$556.82
$559.58
$562.35
$565.14
$567.94
$570.76
$573.59
$576.43
$579.29

Ending
Balance

$102,007.95
$101,513.46
$101,016.52
$100,517.11
$100,015.23
$99,510.86
$99,003.99
$98,494.60
$97,982.69
$97,468.24
$96,951.24
$96,431.68
$95,909.54
$95,384.81
$94,857.48
$94,327.54
$93,794.96
$93,259.75
$92,721.88
$92,181.35
$91,638.14
$91,092.23
$90,543.62
$89,992.28
$89,438.21
$88,881.40
$88,321.82
$87,759.47
$87,194.33
$86,626.39
$86,055.63
$85,482.05
$84,905.62
$84,326.33

Total Principal
Paid to Date

$492.05
$986.54
$1,483.48
$1,982.89
$2,484.77
$2,989.14
$3,496.01
$4,005.40
$4,517.31
$5,031.76
$5,548.76
$6,068.32
$6,590.46
$7,115.19
$7,642.52
$8,172.46
$8,705.04
$9,240.25
$9,778.12
$10,318.65
$10,861.86
$11,407.77
$11,956.38
$12,507.72
$13,061.79
$13,618.60
$14,178.18
$14,740.53
$15,305.67
$15,873.61
$16,444.37
$17,017.95
$17,594.38
$18,173.67

Total Interest
Paid to Date

End of Year
Totals

$508.23
$1,014.02
$1,517.36
$2,018.23
$2,516.63
$3,012.54
$3,505.94
Principle
$3,996.84
$5,548.76
$4,485.21
Interest
$4,971.04
$5,454.32
$5,454.32 End of year 1
$5,935.04
$6,413.18
$6,888.73
$7,361.68
$7,832.01
$8,299.72
$8,764.79
$9,227.20
Principal
$9,686.94
$6,407.63
$10,144.01
Interest
$10,598.38
$5,595.73
$11,050.05 End of year 2
$11,498.99
$11,945.21
$12,388.67
$12,829.37
$13,267.30
$13,702.44
$14,134.78
$14,564.30
Principal
$14,991.00
$6,799.45
$15,414.85
Interest
$15,835.84
$5,203.91

Page 1 of 4

File Name: 88155362.xls.ms_office

Pmnt
#
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov

35
36
37
38
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
82

Beginning
Balance

$84,326.33
$83,744.17
$83,159.12
$82,571.17
$81,980.30
$81,386.51
$80,789.77
$80,190.07
$79,587.40
$78,981.75
$78,373.08
$77,761.40
$77,146.69
$76,528.93
$75,908.11
$75,284.20
$74,657.21
$74,027.10
$73,393.88
$72,757.51
$72,117.98
$71,475.29
$70,829.41
$70,180.32
$69,528.02
$68,872.49
$68,213.70
$67,551.65
$66,886.31
$66,217.67
$65,545.72
$64,870.44
$64,191.81
$63,509.82
$62,824.44
$62,135.66
$61,443.47
$60,747.85
$60,048.78
$59,346.24
$58,640.22
$57,930.70
$57,217.66
$56,501.08
$55,780.95
$55,057.26
$54,329.97
$53,599.07

3/11/2012 10:19 PM

Interest
Payment

$418.12
$415.23
$412.33
$409.42
$406.49
$403.54
$400.58
$397.61
$394.62
$391.62
$388.60
$385.57
$382.52
$379.46
$376.38
$373.28
$370.18
$367.05
$363.91
$360.76
$357.59
$354.40
$351.20
$347.98
$344.74
$341.49
$338.23
$334.94
$331.64
$328.33
$325.00
$321.65
$318.28
$314.90
$311.50
$308.09
$304.66
$301.21
$297.74
$294.26
$290.76
$287.24
$283.70
$280.15
$276.58
$272.99
$269.39
$265.76

Sheet Name: Loan Payment

Principal
Payment

$582.16
$585.05
$587.95
$590.86
$593.79
$596.74
$599.70
$602.67
$605.66
$608.66
$611.68
$614.71
$617.76
$620.82
$623.90
$627.00
$630.10
$633.23
$636.37
$639.52
$642.69
$645.88
$649.08
$652.30
$655.54
$658.79
$662.05
$665.34
$668.64
$671.95
$675.28
$678.63
$682.00
$685.38
$688.78
$692.19
$695.62
$699.07
$702.54
$706.02
$709.52
$713.04
$716.58
$720.13
$723.70
$727.29
$730.89
$734.52

Ending
Balance

$83,744.17
$83,159.12
$82,571.17
$81,980.30
$81,386.51
$80,789.77
$80,190.07
$79,587.40
$78,981.75
$78,373.08
$77,761.40
$77,146.69
$76,528.93
$75,908.11
$75,284.20
$74,657.21
$74,027.10
$73,393.88
$72,757.51
$72,117.98
$71,475.29
$70,829.41
$70,180.32
$69,528.02
$68,872.49
$68,213.70
$67,551.65
$66,886.31
$66,217.67
$65,545.72
$64,870.44
$64,191.81
$63,509.82
$62,824.44
$62,135.66
$61,443.47
$60,747.85
$60,048.78
$59,346.24
$58,640.22
$57,930.70
$57,217.66
$56,501.08
$55,780.95
$55,057.26
$54,329.97
$53,599.07
$52,864.56

Total Principal
Paid to Date

$18,755.83
$19,340.88
$19,928.83
$20,519.70
$21,113.49
$21,710.23
$22,309.93
$22,912.60
$23,518.25
$24,126.92
$24,738.60
$25,353.31
$25,971.07
$26,591.89
$27,215.80
$27,842.79
$28,472.90
$29,106.12
$29,742.49
$30,382.02
$31,024.71
$31,670.59
$32,319.68
$32,971.98
$33,627.51
$34,286.30
$34,948.35
$35,613.69
$36,282.33
$36,954.28
$37,629.56
$38,308.19
$38,990.18
$39,675.56
$40,364.34
$41,056.53
$41,752.15
$42,451.22
$43,153.76
$43,859.78
$44,569.30
$45,282.34
$45,998.92
$46,719.05
$47,442.74
$48,170.03
$48,900.93
$49,635.44

Total Interest
Paid to Date

$16,253.95
$16,669.19
$17,081.52
$17,490.93
$17,897.42
$18,300.96
$18,701.54
$19,099.15
$19,493.77
$19,885.39
$20,273.99
$20,659.56
$21,042.08
$21,421.53
$21,797.91
$22,171.19
$22,541.37
$22,908.42
$23,272.33
$23,633.09
$23,990.67
$24,345.07
$24,696.27
$25,044.24
$25,388.99
$25,730.48
$26,068.71
$26,403.65
$26,735.29
$27,063.62
$27,388.62
$27,710.27
$28,028.55
$28,343.46
$28,654.96
$28,963.05
$29,267.71
$29,568.92
$29,866.66
$30,160.92
$30,451.67
$30,738.91
$31,022.62
$31,302.77
$31,579.35
$31,852.34
$32,121.73
$32,387.49

End of Year
Totals

End of year 3

Principal
$7,215.24
Interest
$4,788.12
End of year 4

Principal
$7,656.44
Interest
$4,346.91
End of year 5

Principal
$8,124.63
Interest
$3,878.72
End of year 6

Principal
$8,621.45
Interest
$3,381.90

Page 2 of 4

File Name: 88155362.xls.ms_office

Pmnt
#
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov

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
125
126
127
128
129
130

Beginning
Balance

$52,864.56
$52,126.40
$51,384.58
$50,639.08
$49,889.89
$49,136.98
$48,380.33
$47,619.94
$46,855.78
$46,087.82
$45,316.06
$44,540.47
$43,761.04
$42,977.74
$42,190.56
$41,399.48
$40,604.47
$39,805.52
$39,002.61
$38,195.72
$37,384.83
$36,569.91
$35,750.96
$34,927.94
$34,100.85
$33,269.65
$32,434.34
$31,594.88
$30,751.25
$29,903.45
$29,051.44
$28,195.21
$27,334.73
$26,469.98
$25,600.95
$24,727.61
$23,849.94
$22,967.91
$22,081.52
$21,190.73
$20,295.52
$19,395.87
$18,491.76
$17,583.17
$16,670.07
$15,752.45
$14,830.27
$13,903.53

3/11/2012 10:19 PM

Interest
Payment

$262.12
$258.46
$254.78
$251.09
$247.37
$243.64
$239.89
$236.12
$232.33
$228.52
$224.69
$220.85
$216.98
$213.10
$209.19
$205.27
$201.33
$197.37
$193.39
$189.39
$185.37
$181.33
$177.27
$173.18
$169.08
$164.96
$160.82
$156.66
$152.47
$148.27
$144.05
$139.80
$135.53
$131.25
$126.94
$122.61
$118.26
$113.88
$109.49
$105.07
$100.63
$96.17
$91.69
$87.18
$82.66
$78.11
$73.53
$68.94

Sheet Name: Loan Payment

Principal
Payment

$738.16
$741.82
$745.50
$749.19
$752.91
$756.64
$760.39
$764.16
$767.95
$771.76
$775.59
$779.43
$783.30
$787.18
$791.08
$795.01
$798.95
$802.91
$806.89
$810.89
$814.91
$818.95
$823.01
$827.10
$831.20
$835.32
$839.46
$843.62
$847.80
$852.01
$856.23
$860.48
$864.74
$869.03
$873.34
$877.67
$882.02
$886.40
$890.79
$895.21
$899.65
$904.11
$908.59
$913.10
$917.62
$922.17
$926.75
$931.34

Ending
Balance

$52,126.40
$51,384.58
$50,639.08
$49,889.89
$49,136.98
$48,380.33
$47,619.94
$46,855.78
$46,087.82
$45,316.06
$44,540.47
$43,761.04
$42,977.74
$42,190.56
$41,399.48
$40,604.47
$39,805.52
$39,002.61
$38,195.72
$37,384.83
$36,569.91
$35,750.96
$34,927.94
$34,100.85
$33,269.65
$32,434.34
$31,594.88
$30,751.25
$29,903.45
$29,051.44
$28,195.21
$27,334.73
$26,469.98
$25,600.95
$24,727.61
$23,849.94
$22,967.91
$22,081.52
$21,190.73
$20,295.52
$19,395.87
$18,491.76
$17,583.17
$16,670.07
$15,752.45
$14,830.27
$13,903.53
$12,972.19

Total Principal
Paid to Date

$50,373.60
$51,115.42
$51,860.92
$52,610.11
$53,363.02
$54,119.67
$54,880.06
$55,644.22
$56,412.18
$57,183.94
$57,959.53
$58,738.96
$59,522.26
$60,309.44
$61,100.52
$61,895.53
$62,694.48
$63,497.39
$64,304.28
$65,115.17
$65,930.09
$66,749.04
$67,572.06
$68,399.15
$69,230.35
$70,065.66
$70,905.12
$71,748.75
$72,596.55
$73,448.56
$74,304.79
$75,165.27
$76,030.02
$76,899.05
$77,772.39
$78,650.06
$79,532.09
$80,418.48
$81,309.27
$82,204.48
$83,104.13
$84,008.24
$84,916.83
$85,829.93
$86,747.55
$87,669.73
$88,596.47
$89,527.81

Total Interest
Paid to Date

$32,649.61
$32,908.07
$33,162.85
$33,413.94
$33,661.31
$33,904.95
$34,144.83
$34,380.95
$34,613.27
$34,841.79
$35,066.48
$35,287.33
$35,504.31
$35,717.41
$35,926.61
$36,131.88
$36,333.21
$36,530.58
$36,723.97
$36,913.35
$37,098.72
$37,280.05
$37,457.31
$37,630.49
$37,799.58
$37,964.54
$38,125.36
$38,282.02
$38,434.49
$38,582.76
$38,726.81
$38,866.61
$39,002.15
$39,133.39
$39,260.33
$39,382.94
$39,501.20
$39,615.08
$39,724.57
$39,829.64
$39,930.27
$40,026.44
$40,118.13
$40,205.31
$40,287.97
$40,366.07
$40,439.61
$40,508.54

End of Year
Totals

End of year 7

Principal
$9,148.65
Interest
$2,854.70
End of year 8

Principal
$9,708.09
Interest
$2,295.27
End of year 9

Principal
$10,301.74
Interest
$1,701.62
End of year 10

Principal
$10,931.69
Interest
$1,071.67

Page 3 of 4

File Name: 88155362.xls.ms_office

Pmnt
#
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jan

131
132
133
134
135
136
137
138
139
140
141
142
143
144

Beginning
Balance

$12,972.19
$12,036.23
$11,095.63
$10,150.36
$9,200.41
$8,245.75
$7,286.36
$6,322.21
$5,353.27
$4,379.54
$3,400.97
$2,417.56
$1,429.26
$436.07

Interest
Payment

$64.32
$59.68
$55.02
$50.33
$45.62
$40.89
$36.13
$31.35
$26.54
$21.72
$16.86
$11.99
$7.09
$2.16

Sheet Name: Loan Payment

Principal
Payment

$935.96
$940.60
$945.26
$949.95
$954.66
$959.39
$964.15
$968.93
$973.74
$978.56
$983.42
$988.29
$993.19
$436.07

Ending
Balance

$12,036.23
$11,095.63
$10,150.36
$9,200.41
$8,245.75
$7,286.36
$6,322.21
$5,353.27
$4,379.54
$3,400.97
$2,417.56
$1,429.26
$436.07
$0.00

Total Principal
Paid to Date

$90,463.77
$91,404.37
$92,349.64
$93,299.59
$94,254.25
$95,213.64
$96,177.79
$97,146.73
$98,120.46
$99,099.03
$100,082.44
$101,070.74
$102,063.93
$102,500.00

Total Interest
Paid to Date

End of Year
Totals

$40,572.87 End of year 11

$40,632.54
$40,687.56
$40,737.89
$40,783.51
$40,824.39
$40,860.52
$40,891.87
$40,918.41
Principal
$40,940.13
$11,600.16
$40,956.99
Interest
$40,968.98
$403.20
$40,976.06 End of year 12
$40,978.23

Principal
$436.07
Interest
$2.16

3/11/2012 10:19 PM

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