Mortgage repayment scenarios
ML with Grok 3 support
July 1, 2025
1 Goal
Generate 12 amortization schedules (2 loan sizes × 3 terms × 2 scenarios), save the first 61 months as CSVs, collect GT tables into a list, then render them in separate chunks, followed by a summary and a plot.
2 Assumptions
loan_amounts <- c(300000, 500000)
property_vals <- c(P1=400000, P2=600000)
terms_years <- c(15, 25, 40)
annual_rate <- 6 # %
lump_sum <- 50000 # per year
3 Tables
3.1 Property 1: 15 Years (No Extra)
| P1, 15 yr — No Extra | ||||||
| Month | Balance ($) | Interest ($) | Principal ($) | Lump Sum ($) | Total Payment ($) | Equity ($) |
|---|---|---|---|---|---|---|
| 0 | 300,000.00 | 0.00 | 0.00 | 0.00 | 0.00 | 100,000.00 |
| 1 | 298,968.43 | 1,500.00 | 1,031.57 | 0.00 | 2,531.57 | 101,031.57 |
| 2 | 297,931.70 | 1,494.84 | 1,036.73 | 0.00 | 2,531.57 | 102,068.30 |
| 3 | 296,889.79 | 1,489.66 | 1,041.91 | 0.00 | 2,531.57 | 103,110.21 |
| 4 | 295,842.67 | 1,484.45 | 1,047.12 | 0.00 | 2,531.57 | 104,157.33 |
| 5 | 294,790.31 | 1,479.21 | 1,052.36 | 0.00 | 2,531.57 | 105,209.69 |
| 6 | 293,732.69 | 1,473.95 | 1,057.62 | 0.00 | 2,531.57 | 106,267.31 |
| 7 | 292,669.78 | 1,468.66 | 1,062.91 | 0.00 | 2,531.57 | 107,330.22 |
| 8 | 291,601.56 | 1,463.35 | 1,068.22 | 0.00 | 2,531.57 | 108,398.44 |
| 9 | 290,528.00 | 1,458.01 | 1,073.56 | 0.00 | 2,531.57 | 109,472.00 |
| 10 | 289,449.07 | 1,452.64 | 1,078.93 | 0.00 | 2,531.57 | 110,550.93 |
| 11 | 288,364.74 | 1,447.25 | 1,084.33 | 0.00 | 2,531.57 | 111,635.26 |
| 12 | 287,275.00 | 1,441.82 | 1,089.75 | 0.00 | 2,531.57 | 112,725.00 |
| 13 | 286,179.80 | 1,436.37 | 1,095.20 | 0.00 | 2,531.57 | 113,820.20 |
| 24 | 273,765.15 | 1,374.61 | 1,156.96 | 0.00 | 2,531.57 | 126,234.85 |
| 36 | 259,422.04 | 1,303.25 | 1,228.32 | 0.00 | 2,531.57 | 140,577.96 |
| 48 | 244,194.27 | 1,227.49 | 1,304.08 | 0.00 | 2,531.57 | 155,805.73 |
| 60 | 228,027.30 | 1,147.06 | 1,384.51 | 0.00 | 2,531.57 | 171,972.70 |
3.2 Property 1: 15 Years (Extra)
| P1, 15 yr — $50k/yr Extra | ||||||
| Month | Balance ($) | Interest ($) | Principal ($) | Lump Sum ($) | Total Payment ($) | Equity ($) |
|---|---|---|---|---|---|---|
| 0 | 300,000.00 | 0.00 | 0.00 | 0.00 | 0.00 | 100,000.00 |
| 1 | 298,968.43 | 1,500.00 | 1,031.57 | 0.00 | 2,531.57 | 101,031.57 |
| 2 | 297,931.70 | 1,494.84 | 1,036.73 | 0.00 | 2,531.57 | 102,068.30 |
| 3 | 296,889.79 | 1,489.66 | 1,041.91 | 0.00 | 2,531.57 | 103,110.21 |
| 4 | 295,842.67 | 1,484.45 | 1,047.12 | 0.00 | 2,531.57 | 104,157.33 |
| 5 | 294,790.31 | 1,479.21 | 1,052.36 | 0.00 | 2,531.57 | 105,209.69 |
| 6 | 293,732.69 | 1,473.95 | 1,057.62 | 0.00 | 2,531.57 | 106,267.31 |
| 7 | 292,669.78 | 1,468.66 | 1,062.91 | 0.00 | 2,531.57 | 107,330.22 |
| 8 | 291,601.56 | 1,463.35 | 1,068.22 | 0.00 | 2,531.57 | 108,398.44 |
| 9 | 290,528.00 | 1,458.01 | 1,073.56 | 0.00 | 2,531.57 | 109,472.00 |
| 10 | 289,449.07 | 1,452.64 | 1,078.93 | 0.00 | 2,531.57 | 110,550.93 |
| 11 | 288,364.74 | 1,447.25 | 1,084.33 | 0.00 | 2,531.57 | 111,635.26 |
| 12 | 237,275.00 | 1,441.82 | 1,089.75 | 50,000.00 | 52,531.57 | 162,725.00 |
| 13 | 235,929.80 | 1,186.37 | 1,345.20 | 0.00 | 2,531.57 | 164,070.20 |
| 24 | 170,681.26 | 1,110.51 | 1,421.06 | 50,000.00 | 52,531.57 | 229,318.74 |
| 36 | 99,980.16 | 758.76 | 1,772.81 | 50,000.00 | 52,531.57 | 300,019.84 |
| 48 | 24,918.37 | 385.32 | 2,146.25 | 50,000.00 | 52,531.57 | 375,081.63 |
| 60 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 400,000.00 |
3.3 Property 1: 25 Years (No Extra)
| P1, 25 yr — No Extra | ||||||
| Month | Balance ($) | Interest ($) | Principal ($) | Lump Sum ($) | Total Payment ($) | Equity ($) |
|---|---|---|---|---|---|---|
| 0 | 300,000.00 | 0.00 | 0.00 | 0.00 | 0.00 | 100,000.00 |
| 1 | 299,567.10 | 1,500.00 | 432.90 | 0.00 | 1,932.90 | 100,432.90 |
| 2 | 299,132.03 | 1,497.84 | 435.07 | 0.00 | 1,932.90 | 100,867.97 |
| 3 | 298,694.78 | 1,495.66 | 437.24 | 0.00 | 1,932.90 | 101,305.22 |
| 4 | 298,255.35 | 1,493.47 | 439.43 | 0.00 | 1,932.90 | 101,744.65 |
| 5 | 297,813.73 | 1,491.28 | 441.63 | 0.00 | 1,932.90 | 102,186.27 |
| 6 | 297,369.89 | 1,489.07 | 443.84 | 0.00 | 1,932.90 | 102,630.11 |
| 7 | 296,923.83 | 1,486.85 | 446.05 | 0.00 | 1,932.90 | 103,076.17 |
| 8 | 296,475.55 | 1,484.62 | 448.29 | 0.00 | 1,932.90 | 103,524.45 |
| 9 | 296,025.02 | 1,482.38 | 450.53 | 0.00 | 1,932.90 | 103,974.98 |
| 10 | 295,572.24 | 1,480.13 | 452.78 | 0.00 | 1,932.90 | 104,427.76 |
| 11 | 295,117.20 | 1,477.86 | 455.04 | 0.00 | 1,932.90 | 104,882.80 |
| 12 | 294,659.88 | 1,475.59 | 457.32 | 0.00 | 1,932.90 | 105,340.12 |
| 13 | 294,200.28 | 1,473.30 | 459.60 | 0.00 | 1,932.90 | 105,799.72 |
| 24 | 288,990.40 | 1,447.38 | 485.52 | 0.00 | 1,932.90 | 111,009.60 |
| 36 | 282,971.23 | 1,417.43 | 515.47 | 0.00 | 1,932.90 | 117,028.77 |
| 48 | 276,580.82 | 1,385.64 | 547.26 | 0.00 | 1,932.90 | 123,419.18 |
| 60 | 269,796.26 | 1,351.89 | 581.02 | 0.00 | 1,932.90 | 130,203.74 |
3.4 Property 1: 25 Years (Extra)
| P1, 25 yr — $50k/yr Extra | ||||||
| Month | Balance ($) | Interest ($) | Principal ($) | Lump Sum ($) | Total Payment ($) | Equity ($) |
|---|---|---|---|---|---|---|
| 0 | 300,000.00 | 0.00 | 0.00 | 0.00 | 0.00 | 100,000.00 |
| 1 | 299,567.10 | 1,500.00 | 432.90 | 0.00 | 1,932.90 | 100,432.90 |
| 2 | 299,132.03 | 1,497.84 | 435.07 | 0.00 | 1,932.90 | 100,867.97 |
| 3 | 298,694.78 | 1,495.66 | 437.24 | 0.00 | 1,932.90 | 101,305.22 |
| 4 | 298,255.35 | 1,493.47 | 439.43 | 0.00 | 1,932.90 | 101,744.65 |
| 5 | 297,813.73 | 1,491.28 | 441.63 | 0.00 | 1,932.90 | 102,186.27 |
| 6 | 297,369.89 | 1,489.07 | 443.84 | 0.00 | 1,932.90 | 102,630.11 |
| 7 | 296,923.83 | 1,486.85 | 446.05 | 0.00 | 1,932.90 | 103,076.17 |
| 8 | 296,475.55 | 1,484.62 | 448.29 | 0.00 | 1,932.90 | 103,524.45 |
| 9 | 296,025.02 | 1,482.38 | 450.53 | 0.00 | 1,932.90 | 103,974.98 |
| 10 | 295,572.24 | 1,480.13 | 452.78 | 0.00 | 1,932.90 | 104,427.76 |
| 11 | 295,117.20 | 1,477.86 | 455.04 | 0.00 | 1,932.90 | 104,882.80 |
| 12 | 244,659.88 | 1,475.59 | 457.32 | 50,000.00 | 51,932.90 | 155,340.12 |
| 13 | 243,950.28 | 1,223.30 | 709.60 | 0.00 | 1,932.90 | 156,049.72 |
| 24 | 185,906.51 | 1,183.28 | 749.62 | 50,000.00 | 51,932.90 | 214,093.49 |
| 36 | 123,529.36 | 872.95 | 1,059.96 | 50,000.00 | 51,932.90 | 276,470.64 |
| 48 | 57,304.92 | 543.47 | 1,389.43 | 50,000.00 | 51,932.90 | 342,695.08 |
| 60 | 0.00 | 193.68 | 1,739.23 | 36,995.90 | 38,928.80 | 400,000.00 |
3.5 Property 1: 40 Years (No Extra)
| P1, 40 yr — No Extra | ||||||
| Month | Balance ($) | Interest ($) | Principal ($) | Lump Sum ($) | Total Payment ($) | Equity ($) |
|---|---|---|---|---|---|---|
| 0 | 300,000.00 | 0.00 | 0.00 | 0.00 | 0.00 | 100,000.00 |
| 1 | 299,849.36 | 1,500.00 | 150.64 | 0.00 | 1,650.64 | 100,150.64 |
| 2 | 299,697.96 | 1,499.25 | 151.39 | 0.00 | 1,650.64 | 100,302.04 |
| 3 | 299,545.81 | 1,498.49 | 152.15 | 0.00 | 1,650.64 | 100,454.19 |
| 4 | 299,392.90 | 1,497.73 | 152.91 | 0.00 | 1,650.64 | 100,607.10 |
| 5 | 299,239.23 | 1,496.96 | 153.68 | 0.00 | 1,650.64 | 100,760.77 |
| 6 | 299,084.78 | 1,496.20 | 154.44 | 0.00 | 1,650.64 | 100,915.22 |
| 7 | 298,929.56 | 1,495.42 | 155.22 | 0.00 | 1,650.64 | 101,070.44 |
| 8 | 298,773.57 | 1,494.65 | 155.99 | 0.00 | 1,650.64 | 101,226.43 |
| 9 | 298,616.80 | 1,493.87 | 156.77 | 0.00 | 1,650.64 | 101,383.20 |
| 10 | 298,459.24 | 1,493.08 | 157.56 | 0.00 | 1,650.64 | 101,540.76 |
| 11 | 298,300.90 | 1,492.30 | 158.34 | 0.00 | 1,650.64 | 101,699.10 |
| 12 | 298,141.76 | 1,491.50 | 159.14 | 0.00 | 1,650.64 | 101,858.24 |
| 13 | 297,981.83 | 1,490.71 | 159.93 | 0.00 | 1,650.64 | 102,018.17 |
| 24 | 296,168.91 | 1,481.69 | 168.95 | 0.00 | 1,650.64 | 103,831.09 |
| 36 | 294,074.37 | 1,471.27 | 179.37 | 0.00 | 1,650.64 | 105,925.63 |
| 48 | 291,850.65 | 1,460.21 | 190.44 | 0.00 | 1,650.64 | 108,149.35 |
| 60 | 289,489.78 | 1,448.46 | 202.18 | 0.00 | 1,650.64 | 110,510.22 |
3.6 Property 1: 40 Years (Extra)
| P1, 40 yr — $50k/yr Extra | ||||||
| Month | Balance ($) | Interest ($) | Principal ($) | Lump Sum ($) | Total Payment ($) | Equity ($) |
|---|---|---|---|---|---|---|
| 0 | 300,000.00 | 0.00 | 0.00 | 0.00 | 0.00 | 100,000.00 |
| 1 | 299,849.36 | 1,500.00 | 150.64 | 0.00 | 1,650.64 | 100,150.64 |
| 2 | 299,697.96 | 1,499.25 | 151.39 | 0.00 | 1,650.64 | 100,302.04 |
| 3 | 299,545.81 | 1,498.49 | 152.15 | 0.00 | 1,650.64 | 100,454.19 |
| 4 | 299,392.90 | 1,497.73 | 152.91 | 0.00 | 1,650.64 | 100,607.10 |
| 5 | 299,239.23 | 1,496.96 | 153.68 | 0.00 | 1,650.64 | 100,760.77 |
| 6 | 299,084.78 | 1,496.20 | 154.44 | 0.00 | 1,650.64 | 100,915.22 |
| 7 | 298,929.56 | 1,495.42 | 155.22 | 0.00 | 1,650.64 | 101,070.44 |
| 8 | 298,773.57 | 1,494.65 | 155.99 | 0.00 | 1,650.64 | 101,226.43 |
| 9 | 298,616.80 | 1,493.87 | 156.77 | 0.00 | 1,650.64 | 101,383.20 |
| 10 | 298,459.24 | 1,493.08 | 157.56 | 0.00 | 1,650.64 | 101,540.76 |
| 11 | 298,300.90 | 1,492.30 | 158.34 | 0.00 | 1,650.64 | 101,699.10 |
| 12 | 248,141.76 | 1,491.50 | 159.14 | 50,000.00 | 51,650.64 | 151,858.24 |
| 13 | 247,731.83 | 1,240.71 | 409.93 | 0.00 | 1,650.64 | 152,268.17 |
| 24 | 193,085.02 | 1,217.59 | 433.05 | 50,000.00 | 51,650.64 | 206,914.98 |
| 36 | 134,632.49 | 926.78 | 723.86 | 50,000.00 | 51,650.64 | 265,367.51 |
| 48 | 72,574.75 | 618.04 | 1,032.60 | 50,000.00 | 51,650.64 | 327,425.25 |
| 60 | 6,689.41 | 290.25 | 1,360.39 | 50,000.00 | 51,650.64 | 393,310.59 |
3.7 Property 2: 15 Years (No Extra)
| P2, 15 yr — No Extra | ||||||
| Month | Balance ($) | Interest ($) | Principal ($) | Lump Sum ($) | Total Payment ($) | Equity ($) |
|---|---|---|---|---|---|---|
| 0 | 500,000.00 | 0.00 | 0.00 | 0.00 | 0.00 | 100,000.00 |
| 1 | 498,280.72 | 2,500.00 | 1,719.28 | 0.00 | 4,219.28 | 101,719.28 |
| 2 | 496,552.84 | 2,491.40 | 1,727.88 | 0.00 | 4,219.28 | 103,447.16 |
| 3 | 494,816.32 | 2,482.76 | 1,736.52 | 0.00 | 4,219.28 | 105,183.68 |
| 4 | 493,071.11 | 2,474.08 | 1,745.20 | 0.00 | 4,219.28 | 106,928.89 |
| 5 | 491,317.18 | 2,465.36 | 1,753.93 | 0.00 | 4,219.28 | 108,682.82 |
| 6 | 489,554.49 | 2,456.59 | 1,762.70 | 0.00 | 4,219.28 | 110,445.51 |
| 7 | 487,782.97 | 2,447.77 | 1,771.51 | 0.00 | 4,219.28 | 112,217.03 |
| 8 | 486,002.60 | 2,438.91 | 1,780.37 | 0.00 | 4,219.28 | 113,997.40 |
| 9 | 484,213.33 | 2,430.01 | 1,789.27 | 0.00 | 4,219.28 | 115,786.67 |
| 10 | 482,415.12 | 2,421.07 | 1,798.22 | 0.00 | 4,219.28 | 117,584.88 |
| 11 | 480,607.91 | 2,412.08 | 1,807.21 | 0.00 | 4,219.28 | 119,392.09 |
| 12 | 478,791.66 | 2,403.04 | 1,816.24 | 0.00 | 4,219.28 | 121,208.34 |
| 13 | 476,966.34 | 2,393.96 | 1,825.33 | 0.00 | 4,219.28 | 123,033.66 |
| 24 | 456,275.24 | 2,291.02 | 1,928.27 | 0.00 | 4,219.28 | 143,724.76 |
| 36 | 432,370.06 | 2,172.09 | 2,047.20 | 0.00 | 4,219.28 | 167,629.94 |
| 48 | 406,990.46 | 2,045.82 | 2,173.46 | 0.00 | 4,219.28 | 193,009.54 |
| 60 | 380,045.49 | 1,911.77 | 2,307.52 | 0.00 | 4,219.28 | 219,954.51 |
3.8 Property 2: 15 Years (Extra)
| P2, 15 yr — $50k/yr Extra | ||||||
| Month | Balance ($) | Interest ($) | Principal ($) | Lump Sum ($) | Total Payment ($) | Equity ($) |
|---|---|---|---|---|---|---|
| 0 | 500,000.00 | 0.00 | 0.00 | 0.00 | 0.00 | 100,000.00 |
| 1 | 498,280.72 | 2,500.00 | 1,719.28 | 0.00 | 4,219.28 | 101,719.28 |
| 2 | 496,552.84 | 2,491.40 | 1,727.88 | 0.00 | 4,219.28 | 103,447.16 |
| 3 | 494,816.32 | 2,482.76 | 1,736.52 | 0.00 | 4,219.28 | 105,183.68 |
| 4 | 493,071.11 | 2,474.08 | 1,745.20 | 0.00 | 4,219.28 | 106,928.89 |
| 5 | 491,317.18 | 2,465.36 | 1,753.93 | 0.00 | 4,219.28 | 108,682.82 |
| 6 | 489,554.49 | 2,456.59 | 1,762.70 | 0.00 | 4,219.28 | 110,445.51 |
| 7 | 487,782.97 | 2,447.77 | 1,771.51 | 0.00 | 4,219.28 | 112,217.03 |
| 8 | 486,002.60 | 2,438.91 | 1,780.37 | 0.00 | 4,219.28 | 113,997.40 |
| 9 | 484,213.33 | 2,430.01 | 1,789.27 | 0.00 | 4,219.28 | 115,786.67 |
| 10 | 482,415.12 | 2,421.07 | 1,798.22 | 0.00 | 4,219.28 | 117,584.88 |
| 11 | 480,607.91 | 2,412.08 | 1,807.21 | 0.00 | 4,219.28 | 119,392.09 |
| 12 | 428,791.66 | 2,403.04 | 1,816.24 | 50,000.00 | 54,219.28 | 171,208.34 |
| 13 | 426,716.34 | 2,143.96 | 2,075.33 | 0.00 | 4,219.28 | 173,283.66 |
| 24 | 353,191.35 | 2,026.92 | 2,192.37 | 50,000.00 | 54,219.28 | 246,808.65 |
| 36 | 272,928.18 | 1,627.60 | 2,591.68 | 50,000.00 | 54,219.28 | 327,071.82 |
| 48 | 187,714.55 | 1,203.65 | 3,015.63 | 50,000.00 | 54,219.28 | 412,285.45 |
| 60 | 97,245.13 | 753.55 | 3,465.73 | 50,000.00 | 54,219.28 | 502,754.87 |
3.9 Property 2: 25 Years (No Extra)
| P2, 25 yr — No Extra | ||||||
| Month | Balance ($) | Interest ($) | Principal ($) | Lump Sum ($) | Total Payment ($) | Equity ($) |
|---|---|---|---|---|---|---|
| 0 | 500,000.00 | 0.00 | 0.00 | 0.00 | 0.00 | 100,000.00 |
| 1 | 499,278.49 | 2,500.00 | 721.51 | 0.00 | 3,221.51 | 100,721.51 |
| 2 | 498,553.38 | 2,496.39 | 725.11 | 0.00 | 3,221.51 | 101,446.62 |
| 3 | 497,824.64 | 2,492.77 | 728.74 | 0.00 | 3,221.51 | 102,175.36 |
| 4 | 497,092.25 | 2,489.12 | 732.38 | 0.00 | 3,221.51 | 102,907.75 |
| 5 | 496,356.21 | 2,485.46 | 736.05 | 0.00 | 3,221.51 | 103,643.79 |
| 6 | 495,616.48 | 2,481.78 | 739.73 | 0.00 | 3,221.51 | 104,383.52 |
| 7 | 494,873.06 | 2,478.08 | 743.42 | 0.00 | 3,221.51 | 105,126.94 |
| 8 | 494,125.92 | 2,474.37 | 747.14 | 0.00 | 3,221.51 | 105,874.08 |
| 9 | 493,375.04 | 2,470.63 | 750.88 | 0.00 | 3,221.51 | 106,624.96 |
| 10 | 492,620.41 | 2,466.88 | 754.63 | 0.00 | 3,221.51 | 107,379.59 |
| 11 | 491,862.00 | 2,463.10 | 758.40 | 0.00 | 3,221.51 | 108,138.00 |
| 12 | 491,099.81 | 2,459.31 | 762.20 | 0.00 | 3,221.51 | 108,900.19 |
| 13 | 490,333.80 | 2,455.50 | 766.01 | 0.00 | 3,221.51 | 109,666.20 |
| 24 | 481,650.67 | 2,412.30 | 809.21 | 0.00 | 3,221.51 | 118,349.33 |
| 36 | 471,618.72 | 2,362.39 | 859.12 | 0.00 | 3,221.51 | 128,381.28 |
| 48 | 460,968.03 | 2,309.40 | 912.11 | 0.00 | 3,221.51 | 139,031.97 |
| 60 | 449,660.43 | 2,253.14 | 968.36 | 0.00 | 3,221.51 | 150,339.57 |
3.10 Property 2: 25 Years (Extra)
| P2, 25 yr — $50k/yr Extra | ||||||
| Month | Balance ($) | Interest ($) | Principal ($) | Lump Sum ($) | Total Payment ($) | Equity ($) |
|---|---|---|---|---|---|---|
| 0 | 500,000.00 | 0.00 | 0.00 | 0.00 | 0.00 | 100,000.00 |
| 1 | 499,278.49 | 2,500.00 | 721.51 | 0.00 | 3,221.51 | 100,721.51 |
| 2 | 498,553.38 | 2,496.39 | 725.11 | 0.00 | 3,221.51 | 101,446.62 |
| 3 | 497,824.64 | 2,492.77 | 728.74 | 0.00 | 3,221.51 | 102,175.36 |
| 4 | 497,092.25 | 2,489.12 | 732.38 | 0.00 | 3,221.51 | 102,907.75 |
| 5 | 496,356.21 | 2,485.46 | 736.05 | 0.00 | 3,221.51 | 103,643.79 |
| 6 | 495,616.48 | 2,481.78 | 739.73 | 0.00 | 3,221.51 | 104,383.52 |
| 7 | 494,873.06 | 2,478.08 | 743.42 | 0.00 | 3,221.51 | 105,126.94 |
| 8 | 494,125.92 | 2,474.37 | 747.14 | 0.00 | 3,221.51 | 105,874.08 |
| 9 | 493,375.04 | 2,470.63 | 750.88 | 0.00 | 3,221.51 | 106,624.96 |
| 10 | 492,620.41 | 2,466.88 | 754.63 | 0.00 | 3,221.51 | 107,379.59 |
| 11 | 491,862.00 | 2,463.10 | 758.40 | 0.00 | 3,221.51 | 108,138.00 |
| 12 | 441,099.81 | 2,459.31 | 762.20 | 50,000.00 | 53,221.51 | 158,900.19 |
| 13 | 440,083.80 | 2,205.50 | 1,016.01 | 0.00 | 3,221.51 | 159,916.20 |
| 24 | 378,566.78 | 2,148.20 | 1,073.31 | 50,000.00 | 53,221.51 | 221,433.22 |
| 36 | 312,176.85 | 1,817.90 | 1,403.60 | 50,000.00 | 53,221.51 | 287,823.15 |
| 48 | 241,692.13 | 1,467.23 | 1,754.27 | 50,000.00 | 53,221.51 | 358,307.87 |
| 60 | 166,860.07 | 1,094.93 | 2,126.57 | 50,000.00 | 53,221.51 | 433,139.93 |
3.11 Property 2: 40 Years (No Extra)
| P2, 40 yr — No Extra | ||||||
| Month | Balance ($) | Interest ($) | Principal ($) | Lump Sum ($) | Total Payment ($) | Equity ($) |
|---|---|---|---|---|---|---|
| 0 | 500,000.00 | 0.00 | 0.00 | 0.00 | 0.00 | 100,000.00 |
| 1 | 499,748.93 | 2,500.00 | 251.07 | 0.00 | 2,751.07 | 100,251.07 |
| 2 | 499,496.61 | 2,498.74 | 252.32 | 0.00 | 2,751.07 | 100,503.39 |
| 3 | 499,243.02 | 2,497.48 | 253.59 | 0.00 | 2,751.07 | 100,756.98 |
| 4 | 498,988.17 | 2,496.22 | 254.85 | 0.00 | 2,751.07 | 101,011.83 |
| 5 | 498,732.04 | 2,494.94 | 256.13 | 0.00 | 2,751.07 | 101,267.96 |
| 6 | 498,474.63 | 2,493.66 | 257.41 | 0.00 | 2,751.07 | 101,525.37 |
| 7 | 498,215.94 | 2,492.37 | 258.70 | 0.00 | 2,751.07 | 101,784.06 |
| 8 | 497,955.95 | 2,491.08 | 259.99 | 0.00 | 2,751.07 | 102,044.05 |
| 9 | 497,694.66 | 2,489.78 | 261.29 | 0.00 | 2,751.07 | 102,305.34 |
| 10 | 497,432.07 | 2,488.47 | 262.59 | 0.00 | 2,751.07 | 102,567.93 |
| 11 | 497,168.16 | 2,487.16 | 263.91 | 0.00 | 2,751.07 | 102,831.84 |
| 12 | 496,902.93 | 2,485.84 | 265.23 | 0.00 | 2,751.07 | 103,097.07 |
| 13 | 496,636.38 | 2,484.51 | 266.55 | 0.00 | 2,751.07 | 103,363.62 |
| 24 | 493,614.84 | 2,469.48 | 281.59 | 0.00 | 2,751.07 | 106,385.16 |
| 36 | 490,123.95 | 2,452.11 | 298.95 | 0.00 | 2,751.07 | 109,876.05 |
| 48 | 486,417.75 | 2,433.68 | 317.39 | 0.00 | 2,751.07 | 113,582.25 |
| 60 | 482,482.96 | 2,414.10 | 336.97 | 0.00 | 2,751.07 | 117,517.04 |
3.12 Property 2: 40 Years (Extra)
| P2, 40 yr — $50k/yr Extra | ||||||
| Month | Balance ($) | Interest ($) | Principal ($) | Lump Sum ($) | Total Payment ($) | Equity ($) |
|---|---|---|---|---|---|---|
| 0 | 500,000.00 | 0.00 | 0.00 | 0.00 | 0.00 | 100,000.00 |
| 1 | 499,748.93 | 2,500.00 | 251.07 | 0.00 | 2,751.07 | 100,251.07 |
| 2 | 499,496.61 | 2,498.74 | 252.32 | 0.00 | 2,751.07 | 100,503.39 |
| 3 | 499,243.02 | 2,497.48 | 253.59 | 0.00 | 2,751.07 | 100,756.98 |
| 4 | 498,988.17 | 2,496.22 | 254.85 | 0.00 | 2,751.07 | 101,011.83 |
| 5 | 498,732.04 | 2,494.94 | 256.13 | 0.00 | 2,751.07 | 101,267.96 |
| 6 | 498,474.63 | 2,493.66 | 257.41 | 0.00 | 2,751.07 | 101,525.37 |
| 7 | 498,215.94 | 2,492.37 | 258.70 | 0.00 | 2,751.07 | 101,784.06 |
| 8 | 497,955.95 | 2,491.08 | 259.99 | 0.00 | 2,751.07 | 102,044.05 |
| 9 | 497,694.66 | 2,489.78 | 261.29 | 0.00 | 2,751.07 | 102,305.34 |
| 10 | 497,432.07 | 2,488.47 | 262.59 | 0.00 | 2,751.07 | 102,567.93 |
| 11 | 497,168.16 | 2,487.16 | 263.91 | 0.00 | 2,751.07 | 102,831.84 |
| 12 | 446,902.93 | 2,485.84 | 265.23 | 50,000.00 | 52,751.07 | 153,097.07 |
| 13 | 446,386.38 | 2,234.51 | 516.55 | 0.00 | 2,751.07 | 153,613.62 |
| 24 | 390,530.95 | 2,205.38 | 545.69 | 50,000.00 | 52,751.07 | 209,469.05 |
| 36 | 330,682.08 | 1,907.63 | 843.44 | 50,000.00 | 52,751.07 | 269,317.92 |
| 48 | 267,141.85 | 1,591.51 | 1,159.56 | 50,000.00 | 52,751.07 | 332,858.15 |
| 60 | 199,682.60 | 1,255.89 | 1,495.18 | 50,000.00 | 52,751.07 | 400,317.40 |
4 Summary
| Summary: Equity & Balances After 5 Years | ||||||||||
| With vs without $50 k/yr lump sums | ||||||||||
| Property | Term | Scenario | Equity After 5 Years | Balance Yr 1 | Balance Yr 2 | Balance Yr 3 | Balance Yr 4 | Balance Yr 5 | Total Interest (5 yr) | Interest Saved (5 yr) |
|---|---|---|---|---|---|---|---|---|---|---|
| P1 | 15 Years | No Extra | $171,973 | $287,275 | $273,765 | $259,422 | $244,194 | $228,027 | 79,922 | 0 |
| P1 | 15 Years | $50k/yr Extra | $400,000 | $237,275 | $170,681 | $99,980 | $24,918 | $0 | 47,132 | 32,789 |
| P1 | 25 Years | No Extra | $130,204 | $294,660 | $288,990 | $282,971 | $276,581 | $269,796 | 85,771 | 0 |
| P1 | 25 Years | $50k/yr Extra | $400,000 | $244,660 | $185,907 | $123,529 | $57,305 | $0 | 52,970 | 32,800 |
| P1 | 40 Years | No Extra | $110,510 | $298,142 | $296,169 | $294,074 | $291,851 | $289,490 | 88,528 | 0 |
| P1 | 40 Years | $50k/yr Extra | $393,311 | $248,142 | $193,085 | $134,632 | $72,575 | $6,689 | 55,728 | 32,800 |
| P2 | 15 Years | No Extra | $219,955 | $478,792 | $456,275 | $432,370 | $406,990 | $380,045 | 133,203 | 0 |
| P2 | 15 Years | $50k/yr Extra | $502,755 | $428,792 | $353,191 | $272,928 | $187,715 | $97,245 | 100,402 | 32,800 |
| P2 | 25 Years | No Extra | $150,340 | $491,100 | $481,651 | $471,619 | $460,968 | $449,660 | 142,951 | 0 |
| P2 | 25 Years | $50k/yr Extra | $433,140 | $441,100 | $378,567 | $312,177 | $241,692 | $166,860 | 110,150 | 32,800 |
| P2 | 40 Years | No Extra | $117,517 | $496,903 | $493,615 | $490,124 | $486,418 | $482,483 | 147,547 | 0 |
| P2 | 40 Years | $50k/yr Extra | $400,317 | $446,903 | $390,531 | $330,682 | $267,142 | $199,683 | 114,747 | 32,800 |
| Note: P1 = 600,000 | ||||||||||
4.1 Equity After 5 Years
