Home Equity Loan Calculator Using This Worksheet

This spreadsheet creates an amortization

schedule for a fixed-rate home equity loan, with
Inputs Balance Due at Specified Period optional extra payments. Use the spreadsheet to
Loan Amount $ 150,000 compare different term lengths, rates, and loan
Balance at Year … 30
amounts. This spreadsheet also calculates the
Annual Interest Rate 6.00% Interest Paid #NAME? outstanding balance at the end of a specified
Term Length (in Years) 30 Principal Paid #NAME? number of years and the tax returned if the
First Payment Date 1/1/2015 Outstanding Balance #NAME? interest paid is tax deductible.
Compound Period Monthly
#NAME? Edit the white cells. All the others are calculated.
Payment #NAME?
The payment and the interest are rounded to
Extra Payments (Prepayments) the nearest cent. The last payment is adjusted
to bring the balance to zero.
Extra Payment $ 75
Every N Months 1
Extra Annual Payment $ 1,000

[42] Loan Summary

Monthly Interest Rate #NAME?
Total Payments #NAME? Tax Deduction
Total Interest #NAME?
Number of Payments #NAME? #NAME? Totals Assuming No Extra Payments Tax Bracket 25.00%
Last Payment Date #NAME? Total Payments #NAME? Effective Rate 4.500%
Interest Savings #NAME? Total Interest #NAME? Total Returned #NAME?

Payment Extra Additional Tax Cum. Tax

No. Date Payment Payments Payment Interest Principal Balance Returned Returned
$150,000.00
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 Qualification Calculator

How Much Money Can I Borrow?

Appraised Value of Home $ 175,000

Loan to Value Ratio 80.00%
Maximum Allowable Debt $ 140,000

Balance on 1st Mortgage $ 50,000

Balance on 2nd Mortgage $ -
Balance on other Liens $ 10,000
Total Balance Owed $ 60,000

Potential Loan Amount: $ 80,000

Other considerations affecting how much you can borrow

- State laws
- Credit history
- Income
- Other financial obligations

Hidden fees
- Property appraisal fee
- Originator fees
- Title fees
- Application fee
- Closing fees (attorney, filing, etc.)
- Early Pay-Off fees
[42]

http://www.vertex42.com/Calculators/home-equity-loan-calculator.html © 2007 Vertex42 LLC

 Using This Worksheet
This worksheet estimates how large of a home
equity loan you might qualify for based upon the
current value of your home, the allowable loan-
to-value ratio, and the balance of all the loans
you currently have where your home is listed as
security.

There will likely be other considerations

affecting how much you may qualify for, such as
those listed below the calculator.

Edit the white cells. All the others are calculated.

[42]

http://www.vertex42.com/Calculators/home-equity-loan-calculator.html © 2007 Vertex42 LLC

Home Equity Calculator Using This Worksheet
This spreadsheet estimates the amount of
Summary Table equity in your home after a number of years by
Estimate Your Home Equity after N Years Years Balance Equity subtracting the balance owed from the home's
1 142,665 10,335 value. It takes into account an estimated home
Current Value of Home $ 150,000 2 134,746 21,314 appreciation rate (enter a negative rate if your
Yearly Appreciation Rate 2.00% 3 126,194 32,987
home is decreasing in value). Specifying the
monthly payment amount(s) lets you consider
4 116,958 45,407 amortized fixed-rate loans, interest-only loans,
Balance on 1st Mortgage $ 100,000 5 106,981 58,631 and monthly extra payments. Read the cell
Annual Interest Rate 7.00% 6 96,202 72,723 comments for more info and instructions.
Monthly Payment (PI) $ 1,040 11.79 Years to Pay Off 7 84,554 87,749
8 71,965 103,784 This calculator does not round the interest or
Balance on 2nd Mortgage $ 50,000 payment, and the appreciation rate is highly
Equity
Annual Interest Rate 10.00% variable, so the results are only estimates.
$160,000 Balance
Monthly Payment (PI) $ 550 14.23 Years to Pay Off $140,000
$120,000 Edit the white cells. All the others are calculated.
$100,000
Number of Years from Now 4 (4 years, 0 months) $80,000
$60,000
$40,000
$20,000
Unpaid Balance: $ 116,958 $-
[42] 1 2 3 4 5 6 7 8

Pre-Tax Home Equity: $ 45,407

Years from Now

Interest Principle Balance Interest Principle Balance Total Home Pre-Tax

Mo. Loan 1 Loan 1 Loan 1 Loan 2 Loan 2 Loan 2 Balance Value Equity
$ 100,000 $ 50,000 $ 150,000 $ 150,000 $ -
1 583.33 456.67 99,543.33 416.67 133.33 49,866.67 149,410.00 150,247.74 837.74
2 580.67 459.33 99,084.00 415.56 134.44 49,732.22 148,816.23 150,495.88 1,679.66
3 577.99 462.01 98,621.99 414.44 135.56 49,596.66 148,218.65 150,744.44 2,525.79
4 575.29 464.71 98,157.29 413.31 136.69 49,459.96 147,617.25 150,993.41 3,376.16
5 572.58 467.42 97,689.87 412.17 137.83 49,322.13 147,012.00 151,242.78 4,230.78
6 569.86 470.14 97,219.73 411.02 138.98 49,183.15 146,402.88 151,492.57 5,089.70
7 567.12 472.88 96,746.84 409.86 140.14 49,043.01 145,789.85 151,742.78 5,952.93
8 564.36 475.64 96,271.20 408.69 141.31 48,901.70 145,172.90 151,993.39 6,820.49
9 561.58 478.42 95,792.78 407.51 142.49 48,759.21 144,552.00 152,244.42 7,692.43
10 558.79 481.21 95,311.57 406.33 143.67 48,615.54 143,927.11 152,495.87 8,568.75
11 555.98 484.02 94,827.56 405.13 144.87 48,470.67 143,298.23 152,747.72 9,449.50
12 553.16 486.84 94,340.72 403.92 146.08 48,324.59 142,665.31 153,000.00 10,334.69
13 550.32 489.68 93,851.04 402.70 147.30 48,177.30 142,028.34 153,252.69 11,224.36
14 547.46 492.54 93,358.50 401.48 148.52 48,028.77 141,387.28 153,505.80 12,118.52
15 544.59 495.41 92,863.10 400.24 149.76 47,879.01 140,742.11 153,759.33 13,017.22
16 541.70 498.30 92,364.80 398.99 151.01 47,728.00 140,092.80 154,013.27 13,920.47
17 538.79 501.21 91,863.59 397.73 152.27 47,575.74 139,439.33 154,267.64 14,828.31
18 535.87 504.13 91,359.46 396.46 153.54 47,422.20 138,781.67 154,522.43 15,740.76
19 532.93 507.07 90,852.39 395.19 154.81 47,267.39 138,119.78 154,777.63 16,657.85
20 529.97 510.03 90,342.37 393.89 156.11 47,111.28 137,453.65 155,033.26 17,579.61
21 527.00 513.00 89,829.36 392.59 157.41 46,953.88 136,783.24 155,289.31 18,506.07
22 524.00 516.00 89,313.37 391.28 158.72 46,795.16 136,108.53 155,545.78 19,437.26
23 520.99 519.01 88,794.36 389.96 160.04 46,635.12 135,429.48 155,802.68 20,373.20
24 517.97 522.03 88,272.33 388.63 161.37 46,473.74 134,746.07 156,060.00 21,313.93
25 514.92 525.08 87,747.25 387.28 162.72 46,311.03 134,058.28 156,317.75 22,259.47
26 511.86 528.14 87,219.11 385.93 164.07 46,146.95 133,366.06 156,575.92 23,209.86
27 508.78 531.22 86,687.89 384.56 165.44 45,981.51 132,669.40 156,834.52 24,165.12
28 505.68 534.32 86,153.57 383.18 166.82 45,814.69 131,968.26 157,093.54 25,125.28
29 502.56 537.44 85,616.13 381.79 168.21 45,646.48 131,262.61 157,352.99 26,090.39
30 499.43 540.57 85,075.56 380.39 169.61 45,476.86 130,552.42 157,612.87 27,060.45
31 496.27 543.73 84,531.83 378.97 171.03 45,305.84 129,837.67 157,873.18 28,035.51
32 493.10 546.90 83,984.93 377.55 172.45 45,133.39 129,118.32 158,133.92 29,015.60
33 489.91 550.09 83,434.85 376.11 173.89 44,959.50 128,394.34 158,395.10 30,000.75
34 486.70 553.30 82,881.55 374.66 175.34 44,784.16 127,665.71 158,656.70 30,990.99
35 483.48 556.52 82,325.02 373.20 176.80 44,607.36 126,932.39 158,918.73 31,986.35
36 480.23 559.77 81,765.25 371.73 178.27 44,429.09 126,194.34 159,181.20 32,986.86
37 476.96 563.04 81,202.22 370.24 179.76 44,249.33 125,451.55 159,444.10 33,992.55
38 473.68 566.32 80,635.90 368.74 181.26 44,068.08 124,703.97 159,707.44 35,003.46
39 470.38 569.62 80,066.27 367.23 182.77 43,885.31 123,951.59 159,971.21 36,019.62
40 467.05 572.95 79,493.33 365.71 184.29 43,701.02 123,194.35 160,235.41 37,041.06
41 463.71 576.29 78,917.04 364.18 185.82 43,515.20 122,432.24 160,500.05 38,067.82
42 460.35 579.65 78,337.39 362.63 187.37 43,327.82 121,665.21 160,765.13 39,099.92
43 456.97 583.03 77,754.36 361.07 188.93 43,138.89 120,893.24 161,030.65 40,137.40
44 453.57 586.43 77,167.92 359.49 190.51 42,948.38 120,116.30 161,296.60 41,180.30
45 450.15 589.85 76,578.07 357.90 192.10 42,756.28 119,334.35 161,563.00 42,228.65
46 446.71 593.29 75,984.77 356.30 193.70 42,562.59 118,547.36 161,829.83 43,282.47
47 443.24 596.76 75,388.02 354.69 195.31 42,367.27 117,755.29 162,097.11 44,341.81
48 439.76 600.24 74,787.78 353.06 196.94 42,170.33 116,958.12 162,364.82 45,406.71
49 436.26 603.74 74,184.04 351.42 198.58 41,971.75 116,155.80 162,632.98 46,477.18
50 432.74 607.26 73,576.78 349.76 200.24 41,771.52 115,348.30 162,901.58 47,553.28
51 429.20 610.80 72,965.98 348.10 201.90 41,569.61 114,535.60 163,170.63 48,635.03
52 425.63 614.37 72,351.62 346.41 203.59 41,366.03 113,717.65 163,440.12 49,722.47
53 422.05 617.95 71,733.67 344.72 205.28 41,160.74 112,894.41 163,710.05 50,815.64
54 418.45 621.55 71,112.11 343.01 206.99 40,953.75 112,065.87 163,980.43 51,914.57
55 414.82 625.18 70,486.94 341.28 208.72 40,745.03 111,231.97 164,251.26 53,019.29
56 411.17 628.83 69,858.11 339.54 210.46 40,534.57 110,392.68 164,522.54 54,129.85
57 407.51 632.49 69,225.61 337.79 212.21 40,322.36 109,547.98 164,794.26 55,246.28
58 403.82 636.18 68,589.43 336.02 213.98 40,108.38 108,697.81 165,066.43 56,368.62
59 400.11 639.89 67,949.54 334.24 215.76 39,892.62 107,842.15 165,339.05 57,496.90
60 396.37 643.63 67,305.91 332.44 217.56 39,675.06 106,980.97 165,612.12 58,631.16
61 392.62 647.38 66,658.53 330.63 219.37 39,455.68 106,114.21 165,885.64 59,771.43
62 388.84 651.16 66,007.37 328.80 221.20 39,234.48 105,241.85 166,159.62 60,917.77
63 385.04 654.96 65,352.41 326.95 223.05 39,011.43 104,363.84 166,434.04 62,070.20

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 64 381.22 658.78 64,693.63 325.10 224.90 38,786.53 103,480.16 166,708.92 63,228.76
65 377.38 662.62 64,031.01 323.22 226.78 38,559.75 102,590.76 166,984.25 64,393.49
66 373.51 666.49 63,364.53 321.33 228.67 38,331.08 101,695.61 167,260.04 65,564.43
67 369.63 670.37 62,694.15 319.43 230.57 38,100.51 100,794.66 167,536.29 66,741.63
68 365.72 674.28 62,019.87 317.50 232.50 37,868.01 99,887.88 167,812.99 67,925.11
69 361.78 678.22 61,341.65 315.57 234.43 37,633.58 98,975.23 168,090.14 69,114.91
70 357.83 682.17 60,659.48 313.61 236.39 37,397.19 98,056.67 168,367.76 70,311.09
71 353.85 686.15 59,973.32 311.64 238.36 37,158.83 97,132.16 168,645.83 71,513.67
72 349.84 690.16 59,283.17 309.66 240.34 36,918.49 96,201.66 168,924.36 72,722.70
73 345.82 694.18 58,588.99 307.65 242.35 36,676.15 95,265.13 169,203.36 73,938.22
74 341.77 698.23 57,890.76 305.63 244.37 36,431.78 94,322.54 169,482.81 75,160.27
75 337.70 702.30 57,188.45 303.60 246.40 36,185.38 93,373.83 169,762.72 76,388.89
76 333.60 706.40 56,482.05 301.54 248.46 35,936.92 92,418.98 170,043.10 77,624.12
77 329.48 710.52 55,771.53 299.47 250.53 35,686.40 91,457.93 170,323.94 78,866.01
78 325.33 714.67 55,056.86 297.39 252.61 35,433.78 90,490.65 170,605.24 80,114.59
79 321.17 718.83 54,338.03 295.28 254.72 35,179.07 89,517.10 170,887.01 81,369.92
80 316.97 723.03 53,615.00 293.16 256.84 34,922.22 88,537.23 171,169.25 82,632.02
81 312.75 727.25 52,887.76 291.02 258.98 34,663.24 87,551.00 171,451.95 83,900.95
82 308.51 731.49 52,156.27 288.86 261.14 34,402.10 86,558.37 171,735.11 85,176.74
83 304.24 735.76 51,420.51 286.68 263.32 34,138.79 85,559.30 172,018.75 86,459.45
84 299.95 740.05 50,680.47 284.49 265.51 33,873.28 84,553.74 172,302.85 87,749.11
85 295.64 744.36 49,936.10 282.28 267.72 33,605.55 83,541.66 172,587.42 89,045.77
86 291.29 748.71 49,187.40 280.05 269.95 33,335.60 82,523.00 172,872.46 90,349.47
87 286.93 753.07 48,434.32 277.80 272.20 33,063.40 81,497.72 173,157.98 91,660.26
88 282.53 757.47 47,676.86 275.53 274.47 32,788.93 80,465.78 173,443.96 92,978.18
89 278.11 761.89 46,914.97 273.24 276.76 32,512.17 79,427.14 173,730.42 94,303.28
90 273.67 766.33 46,148.64 270.93 279.07 32,233.10 78,381.74 174,017.35 95,635.61
91 269.20 770.80 45,377.84 268.61 281.39 31,951.71 77,329.55 174,304.75 96,975.20
92 264.70 775.30 44,602.55 266.26 283.74 31,667.98 76,270.52 174,592.63 98,322.11
93 260.18 779.82 43,822.73 263.90 286.10 31,381.88 75,204.60 174,880.98 99,676.38
94 255.63 784.37 43,038.36 261.52 288.48 31,093.39 74,131.75 175,169.81 101,038.06
95 251.06 788.94 42,249.42 259.11 290.89 30,802.50 73,051.92 175,459.12 102,407.20
96 246.45 793.55 41,455.87 256.69 293.31 30,509.19 71,965.06 175,748.91 103,783.85
97 241.83 798.17 40,657.70 254.24 295.76 30,213.43 70,871.13 176,039.17 105,168.04
98 237.17 802.83 39,854.87 251.78 298.22 29,915.21 69,770.08 176,329.91 106,559.83
99 232.49 807.51 39,047.35 249.29 300.71 29,614.51 68,661.86 176,621.14 107,959.28
100 227.78 812.22 38,235.13 246.79 303.21 29,311.29 67,546.42 176,912.84 109,366.42
101 223.04 816.96 37,418.17 244.26 305.74 29,005.55 66,423.72 177,205.03 110,781.30
102 218.27 821.73 36,596.44 241.71 308.29 28,697.27 65,293.71 177,497.70 112,203.99
103 213.48 826.52 35,769.92 239.14 310.86 28,386.41 64,156.33 177,790.85 113,634.52
104 208.66 831.34 34,938.58 236.55 313.45 28,072.96 63,011.54 178,084.48 115,072.94
105 203.81 836.19 34,102.39 233.94 316.06 27,756.91 61,859.29 178,378.60 116,519.31
106 198.93 841.07 33,261.32 231.31 318.69 27,438.21 60,699.53 178,673.21 117,973.68
107 194.02 845.98 32,415.34 228.65 321.35 27,116.86 59,532.21 178,968.30 119,436.10
108 189.09 850.91 31,564.43 225.97 324.03 26,792.84 58,357.27 179,263.89 120,906.62
109 184.13 855.87 30,708.56 223.27 326.73 26,466.11 57,174.67 179,559.95 122,385.29
110 179.13 860.87 29,847.69 220.55 329.45 26,136.66 55,984.35 179,856.51 123,872.16
111 174.11 865.89 28,981.80 217.81 332.19 25,804.47 54,786.27 180,153.56 125,367.29
112 169.06 870.94 28,110.86 215.04 334.96 25,469.51 53,580.37 180,451.10 126,870.73
113 163.98 876.02 27,234.84 212.25 337.75 25,131.75 52,366.59 180,749.13 128,382.53
114 158.87 881.13 26,353.71 209.43 340.57 24,791.18 51,144.90 181,047.65 129,902.75
115 153.73 886.27 25,467.44 206.59 343.41 24,447.78 49,915.22 181,346.66 131,431.45
116 148.56 891.44 24,576.00 203.73 346.27 24,101.51 48,677.51 181,646.17 132,968.66
117 143.36 896.64 23,679.36 200.85 349.15 23,752.35 47,431.72 181,946.18 134,514.46
118 138.13 901.87 22,777.49 197.94 352.06 23,400.29 46,177.78 182,246.68 136,068.89
119 132.87 907.13 21,870.36 195.00 355.00 23,045.29 44,915.65 182,547.67 137,632.02
120 127.58 912.42 20,957.94 192.04 357.96 22,687.34 43,645.27 182,849.16 139,203.89
121 122.25 917.75 20,040.19 189.06 360.94 22,326.40 42,366.59 183,151.15 140,784.56
122 116.90 923.10 19,117.09 186.05 363.95 21,962.45 41,079.54 183,453.64 142,374.10
123 111.52 928.48 18,188.61 183.02 366.98 21,595.47 39,784.08 183,756.63 143,972.55
124 106.10 933.90 17,254.71 179.96 370.04 21,225.43 38,480.14 184,060.12 145,579.98
125 100.65 939.35 16,315.36 176.88 373.12 20,852.31 37,167.67 184,364.11 147,196.44
126 95.17 944.83 15,370.54 173.77 376.23 20,476.08 35,846.62 184,668.60 148,821.99
127 89.66 950.34 14,420.20 170.63 379.37 20,096.72 34,516.91 184,973.60 150,456.69
128 84.12 955.88 13,464.32 167.47 382.53 19,714.19 33,178.50 185,279.10 152,100.59
129 78.54 961.46 12,502.86 164.28 385.72 19,328.47 31,831.33 185,585.10 153,753.77
130 72.93 967.07 11,535.79 161.07 388.93 18,939.54 30,475.33 185,891.61 155,416.28
131 67.29 972.71 10,563.08 157.83 392.17 18,547.37 29,110.46 186,198.62 157,088.17
132 61.62 978.38 9,584.70 154.56 395.44 18,151.93 27,736.63 186,506.15 158,769.51
133 55.91 984.09 8,600.61 151.27 398.73 17,753.20 26,353.81 186,814.18 160,460.36
134 50.17 989.83 7,610.78 147.94 402.06 17,351.14 24,961.92 187,122.72 162,160.79
135 44.40 995.60 6,615.18 144.59 405.41 16,945.74 23,560.91 187,431.76 163,870.85
136 38.59 1,001.41 5,613.77 141.21 408.79 16,536.95 22,150.72 187,741.32 165,590.61
137 32.75 1,007.25 4,606.51 137.81 412.19 16,124.76 20,731.27 188,051.39 167,320.12
138 26.87 1,013.13 3,593.38 134.37 415.63 15,709.13 19,302.52 188,361.97 169,059.46
139 20.96 1,019.04 2,574.35 130.91 419.09 15,290.04 17,864.39 188,673.07 170,808.68
140 15.02 1,024.98 1,549.36 127.42 422.58 14,867.46 16,416.82 188,984.68 172,567.86
141 9.04 1,030.96 518.40 123.90 426.10 14,441.35 14,959.75 189,296.80 174,337.05
142 3.02 515.38 3.02 120.34 429.66 14,011.70 14,014.72 189,609.44 175,594.72
143 0.02 3.01 0.02 116.76 433.24 13,578.46 13,578.48 189,922.60 176,344.12
144 0.00 0.02 0.00 113.15 436.85 13,141.62 13,141.62 190,236.27 177,094.65
145 0.00 0.00 0.00 109.51 440.49 12,701.13 12,701.13 190,550.46 177,849.33
146 0.00 0.00 0.00 105.84 444.16 12,256.97 12,256.97 190,865.17 178,608.20
147 0.00 0.00 0.00 102.14 447.86 11,809.11 11,809.11 191,180.40 179,371.28
148 0.00 0.00 0.00 98.41 451.59 11,357.52 11,357.52 191,496.15 180,138.63
149 0.00 0.00 0.00 94.65 455.35 10,902.17 10,902.17 191,812.42 180,910.25
150 0.00 0.00 0.00 90.85 459.15 10,443.02 10,443.02 192,129.21 181,686.19
151 0.00 0.00 0.00 87.03 462.97 9,980.05 9,980.05 192,446.53 182,466.48
152 0.00 0.00 0.00 83.17 466.83 9,513.21 9,513.21 192,764.37 183,251.16
153 0.00 0.00 0.00 79.28 470.72 9,042.49 9,042.49 193,082.74 184,040.25
154 0.00 0.00 0.00 75.35 474.65 8,567.84 8,567.84 193,401.63 184,833.79
155 0.00 0.00 0.00 71.40 478.60 8,089.24 8,089.24 193,721.05 185,631.81

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 156 0.00 0.00 0.00 67.41 482.59 7,606.65 7,606.65 194,040.99 186,434.34
157 0.00 0.00 0.00 63.39 486.61 7,120.04 7,120.04 194,361.47 187,241.43
158 0.00 0.00 0.00 59.33 490.67 6,629.38 6,629.38 194,682.47 188,053.10
159 0.00 0.00 0.00 55.24 494.76 6,134.62 6,134.62 195,004.01 188,869.39
160 0.00 0.00 0.00 51.12 498.88 5,635.74 5,635.74 195,326.07 189,690.33
161 0.00 0.00 0.00 46.96 503.04 5,132.71 5,132.71 195,648.67 190,515.96
162 0.00 0.00 0.00 42.77 507.23 4,625.48 4,625.48 195,971.80 191,346.32
163 0.00 0.00 0.00 38.55 511.45 4,114.02 4,114.02 196,295.46 192,181.44
164 0.00 0.00 0.00 34.28 515.72 3,598.31 3,598.31 196,619.66 193,021.35
165 0.00 0.00 0.00 29.99 520.01 3,078.29 3,078.29 196,944.39 193,866.10
166 0.00 0.00 0.00 25.65 524.35 2,553.95 2,553.95 197,269.66 194,715.72
167 0.00 0.00 0.00 21.28 528.72 2,025.23 2,025.23 197,595.47 195,570.24
168 0.00 0.00 0.00 16.88 533.12 1,492.11 1,492.11 197,921.81 196,429.71
169 0.00 0.00 0.00 12.43 537.57 954.54 954.54 198,248.70 197,294.16
170 0.00 0.00 0.00 7.95 542.05 412.50 412.50 198,576.12 198,163.63
171 0.00 0.00 0.00 3.44 409.06 3.44 3.44 198,904.09 198,900.65
172 0.00 0.00 0.00 0.03 3.41 0.03 0.03 199,232.59 199,232.56
173 0.00 0.00 0.00 0.00 0.03 0.00 0.00 199,561.64 199,561.64
174 0.00 0.00 0.00 0.00 0.00 0.00 0.00 199,891.23 199,891.23
175 0.00 0.00 0.00 0.00 0.00 0.00 0.00 200,221.37 200,221.37
176 0.00 0.00 0.00 0.00 0.00 0.00 0.00 200,552.05 200,552.05
177 0.00 0.00 0.00 0.00 0.00 0.00 0.00 200,883.28 200,883.28
178 0.00 0.00 0.00 0.00 0.00 0.00 0.00 201,215.06 201,215.06
179 0.00 0.00 0.00 0.00 0.00 0.00 0.00 201,547.38 201,547.38
180 0.00 0.00 0.00 0.00 0.00 0.00 0.00 201,880.25 201,880.25
181 0.00 0.00 0.00 0.00 0.00 0.00 0.00 202,213.67 202,213.67
182 0.00 0.00 0.00 0.00 0.00 0.00 0.00 202,547.64 202,547.64
183 0.00 0.00 0.00 0.00 0.00 0.00 0.00 202,882.17 202,882.17
184 0.00 0.00 0.00 0.00 0.00 0.00 0.00 203,217.25 203,217.25
185 0.00 0.00 0.00 0.00 0.00 0.00 0.00 203,552.87 203,552.87
186 0.00 0.00 0.00 0.00 0.00 0.00 0.00 203,889.06 203,889.06
187 0.00 0.00 0.00 0.00 0.00 0.00 0.00 204,225.80 204,225.80
188 0.00 0.00 0.00 0.00 0.00 0.00 0.00 204,563.09 204,563.09
189 0.00 0.00 0.00 0.00 0.00 0.00 0.00 204,900.95 204,900.95
190 0.00 0.00 0.00 0.00 0.00 0.00 0.00 205,239.36 205,239.36
191 0.00 0.00 0.00 0.00 0.00 0.00 0.00 205,578.33 205,578.33
192 0.00 0.00 0.00 0.00 0.00 0.00 0.00 205,917.86 205,917.86
193 0.00 0.00 0.00 0.00 0.00 0.00 0.00 206,257.95 206,257.95
194 0.00 0.00 0.00 0.00 0.00 0.00 0.00 206,598.60 206,598.60
195 0.00 0.00 0.00 0.00 0.00 0.00 0.00 206,939.81 206,939.81
196 0.00 0.00 0.00 0.00 0.00 0.00 0.00 207,281.59 207,281.59
197 0.00 0.00 0.00 0.00 0.00 0.00 0.00 207,623.93 207,623.93
198 0.00 0.00 0.00 0.00 0.00 0.00 0.00 207,966.84 207,966.84
199 0.00 0.00 0.00 0.00 0.00 0.00 0.00 208,310.31 208,310.31
200 0.00 0.00 0.00 0.00 0.00 0.00 0.00 208,654.36 208,654.36
201 0.00 0.00 0.00 0.00 0.00 0.00 0.00 208,998.97 208,998.97
202 0.00 0.00 0.00 0.00 0.00 0.00 0.00 209,344.14 209,344.14
203 0.00 0.00 0.00 0.00 0.00 0.00 0.00 209,689.89 209,689.89
204 0.00 0.00 0.00 0.00 0.00 0.00 0.00 210,036.21 210,036.21
205 0.00 0.00 0.00 0.00 0.00 0.00 0.00 210,383.10 210,383.10
206 0.00 0.00 0.00 0.00 0.00 0.00 0.00 210,730.57 210,730.57
207 0.00 0.00 0.00 0.00 0.00 0.00 0.00 211,078.61 211,078.61
208 0.00 0.00 0.00 0.00 0.00 0.00 0.00 211,427.22 211,427.22
209 0.00 0.00 0.00 0.00 0.00 0.00 0.00 211,776.41 211,776.41
210 0.00 0.00 0.00 0.00 0.00 0.00 0.00 212,126.18 212,126.18
211 0.00 0.00 0.00 0.00 0.00 0.00 0.00 212,476.52 212,476.52
212 0.00 0.00 0.00 0.00 0.00 0.00 0.00 212,827.44 212,827.44
213 0.00 0.00 0.00 0.00 0.00 0.00 0.00 213,178.94 213,178.94
214 0.00 0.00 0.00 0.00 0.00 0.00 0.00 213,531.03 213,531.03
215 0.00 0.00 0.00 0.00 0.00 0.00 0.00 213,883.69 213,883.69
216 0.00 0.00 0.00 0.00 0.00 0.00 0.00 214,236.94 214,236.94
217 0.00 0.00 0.00 0.00 0.00 0.00 0.00 214,590.77 214,590.77
218 0.00 0.00 0.00 0.00 0.00 0.00 0.00 214,945.18 214,945.18
219 0.00 0.00 0.00 0.00 0.00 0.00 0.00 215,300.18 215,300.18
220 0.00 0.00 0.00 0.00 0.00 0.00 0.00 215,655.77 215,655.77
221 0.00 0.00 0.00 0.00 0.00 0.00 0.00 216,011.94 216,011.94
222 0.00 0.00 0.00 0.00 0.00 0.00 0.00 216,368.70 216,368.70
223 0.00 0.00 0.00 0.00 0.00 0.00 0.00 216,726.05 216,726.05
224 0.00 0.00 0.00 0.00 0.00 0.00 0.00 217,083.99 217,083.99
225 0.00 0.00 0.00 0.00 0.00 0.00 0.00 217,442.52 217,442.52
226 0.00 0.00 0.00 0.00 0.00 0.00 0.00 217,801.65 217,801.65
227 0.00 0.00 0.00 0.00 0.00 0.00 0.00 218,161.36 218,161.36
228 0.00 0.00 0.00 0.00 0.00 0.00 0.00 218,521.68 218,521.68
229 0.00 0.00 0.00 0.00 0.00 0.00 0.00 218,882.58 218,882.58
230 0.00 0.00 0.00 0.00 0.00 0.00 0.00 219,244.08 219,244.08
231 0.00 0.00 0.00 0.00 0.00 0.00 0.00 219,606.18 219,606.18
232 0.00 0.00 0.00 0.00 0.00 0.00 0.00 219,968.88 219,968.88
233 0.00 0.00 0.00 0.00 0.00 0.00 0.00 220,332.18 220,332.18
234 0.00 0.00 0.00 0.00 0.00 0.00 0.00 220,696.07 220,696.07
235 0.00 0.00 0.00 0.00 0.00 0.00 0.00 221,060.57 221,060.57
236 0.00 0.00 0.00 0.00 0.00 0.00 0.00 221,425.67 221,425.67
237 0.00 0.00 0.00 0.00 0.00 0.00 0.00 221,791.37 221,791.37
238 0.00 0.00 0.00 0.00 0.00 0.00 0.00 222,157.68 222,157.68
239 0.00 0.00 0.00 0.00 0.00 0.00 0.00 222,524.59 222,524.59
240 0.00 0.00 0.00 0.00 0.00 0.00 0.00 222,892.11 222,892.11
241 0.00 0.00 0.00 0.00 0.00 0.00 0.00 223,260.23 223,260.23
242 0.00 0.00 0.00 0.00 0.00 0.00 0.00 223,628.97 223,628.97
243 0.00 0.00 0.00 0.00 0.00 0.00 0.00 223,998.31 223,998.31
244 0.00 0.00 0.00 0.00 0.00 0.00 0.00 224,368.26 224,368.26
245 0.00 0.00 0.00 0.00 0.00 0.00 0.00 224,738.82 224,738.82
246 0.00 0.00 0.00 0.00 0.00 0.00 0.00 225,110.00 225,110.00
247 0.00 0.00 0.00 0.00 0.00 0.00 0.00 225,481.78 225,481.78

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 248 0.00 0.00 0.00 0.00 0.00 0.00 0.00 225,854.18 225,854.18
249 0.00 0.00 0.00 0.00 0.00 0.00 0.00 226,227.20 226,227.20
250 0.00 0.00 0.00 0.00 0.00 0.00 0.00 226,600.83 226,600.83
251 0.00 0.00 0.00 0.00 0.00 0.00 0.00 226,975.08 226,975.08
252 0.00 0.00 0.00 0.00 0.00 0.00 0.00 227,349.95 227,349.95
253 0.00 0.00 0.00 0.00 0.00 0.00 0.00 227,725.44 227,725.44
254 0.00 0.00 0.00 0.00 0.00 0.00 0.00 228,101.55 228,101.55
255 0.00 0.00 0.00 0.00 0.00 0.00 0.00 228,478.27 228,478.27
256 0.00 0.00 0.00 0.00 0.00 0.00 0.00 228,855.62 228,855.62
257 0.00 0.00 0.00 0.00 0.00 0.00 0.00 229,233.60 229,233.60
258 0.00 0.00 0.00 0.00 0.00 0.00 0.00 229,612.20 229,612.20
259 0.00 0.00 0.00 0.00 0.00 0.00 0.00 229,991.42 229,991.42
260 0.00 0.00 0.00 0.00 0.00 0.00 0.00 230,371.27 230,371.27
261 0.00 0.00 0.00 0.00 0.00 0.00 0.00 230,751.75 230,751.75
262 0.00 0.00 0.00 0.00 0.00 0.00 0.00 231,132.85 231,132.85
263 0.00 0.00 0.00 0.00 0.00 0.00 0.00 231,514.59 231,514.59
264 0.00 0.00 0.00 0.00 0.00 0.00 0.00 231,896.95 231,896.95
265 0.00 0.00 0.00 0.00 0.00 0.00 0.00 232,279.95 232,279.95
266 0.00 0.00 0.00 0.00 0.00 0.00 0.00 232,663.58 232,663.58
267 0.00 0.00 0.00 0.00 0.00 0.00 0.00 233,047.84 233,047.84
268 0.00 0.00 0.00 0.00 0.00 0.00 0.00 233,432.74 233,432.74
269 0.00 0.00 0.00 0.00 0.00 0.00 0.00 233,818.27 233,818.27
270 0.00 0.00 0.00 0.00 0.00 0.00 0.00 234,204.44 234,204.44
271 0.00 0.00 0.00 0.00 0.00 0.00 0.00 234,591.25 234,591.25
272 0.00 0.00 0.00 0.00 0.00 0.00 0.00 234,978.69 234,978.69
273 0.00 0.00 0.00 0.00 0.00 0.00 0.00 235,366.78 235,366.78
274 0.00 0.00 0.00 0.00 0.00 0.00 0.00 235,755.51 235,755.51
275 0.00 0.00 0.00 0.00 0.00 0.00 0.00 236,144.88 236,144.88
276 0.00 0.00 0.00 0.00 0.00 0.00 0.00 236,534.89 236,534.89
277 0.00 0.00 0.00 0.00 0.00 0.00 0.00 236,925.55 236,925.55
278 0.00 0.00 0.00 0.00 0.00 0.00 0.00 237,316.85 237,316.85
279 0.00 0.00 0.00 0.00 0.00 0.00 0.00 237,708.80 237,708.80
280 0.00 0.00 0.00 0.00 0.00 0.00 0.00 238,101.39 238,101.39
281 0.00 0.00 0.00 0.00 0.00 0.00 0.00 238,494.64 238,494.64
282 0.00 0.00 0.00 0.00 0.00 0.00 0.00 238,888.53 238,888.53
283 0.00 0.00 0.00 0.00 0.00 0.00 0.00 239,283.07 239,283.07
284 0.00 0.00 0.00 0.00 0.00 0.00 0.00 239,678.27 239,678.27
285 0.00 0.00 0.00 0.00 0.00 0.00 0.00 240,074.12 240,074.12
286 0.00 0.00 0.00 0.00 0.00 0.00 0.00 240,470.62 240,470.62
287 0.00 0.00 0.00 0.00 0.00 0.00 0.00 240,867.77 240,867.77
288 0.00 0.00 0.00 0.00 0.00 0.00 0.00 241,265.59 241,265.59
289 0.00 0.00 0.00 0.00 0.00 0.00 0.00 241,664.06 241,664.06
290 0.00 0.00 0.00 0.00 0.00 0.00 0.00 242,063.18 242,063.18
291 0.00 0.00 0.00 0.00 0.00 0.00 0.00 242,462.97 242,462.97
292 0.00 0.00 0.00 0.00 0.00 0.00 0.00 242,863.42 242,863.42
293 0.00 0.00 0.00 0.00 0.00 0.00 0.00 243,264.53 243,264.53
294 0.00 0.00 0.00 0.00 0.00 0.00 0.00 243,666.30 243,666.30
295 0.00 0.00 0.00 0.00 0.00 0.00 0.00 244,068.73 244,068.73
296 0.00 0.00 0.00 0.00 0.00 0.00 0.00 244,471.83 244,471.83
297 0.00 0.00 0.00 0.00 0.00 0.00 0.00 244,875.60 244,875.60
298 0.00 0.00 0.00 0.00 0.00 0.00 0.00 245,280.03 245,280.03
299 0.00 0.00 0.00 0.00 0.00 0.00 0.00 245,685.13 245,685.13
300 0.00 0.00 0.00 0.00 0.00 0.00 0.00 246,090.90 246,090.90
301 0.00 0.00 0.00 0.00 0.00 0.00 0.00 246,497.34 246,497.34
302 0.00 0.00 0.00 0.00 0.00 0.00 0.00 246,904.45 246,904.45
303 0.00 0.00 0.00 0.00 0.00 0.00 0.00 247,312.23 247,312.23
304 0.00 0.00 0.00 0.00 0.00 0.00 0.00 247,720.69 247,720.69
305 0.00 0.00 0.00 0.00 0.00 0.00 0.00 248,129.82 248,129.82
306 0.00 0.00 0.00 0.00 0.00 0.00 0.00 248,539.63 248,539.63
307 0.00 0.00 0.00 0.00 0.00 0.00 0.00 248,950.11 248,950.11
308 0.00 0.00 0.00 0.00 0.00 0.00 0.00 249,361.27 249,361.27
309 0.00 0.00 0.00 0.00 0.00 0.00 0.00 249,773.11 249,773.11
310 0.00 0.00 0.00 0.00 0.00 0.00 0.00 250,185.63 250,185.63
311 0.00 0.00 0.00 0.00 0.00 0.00 0.00 250,598.83 250,598.83
312 0.00 0.00 0.00 0.00 0.00 0.00 0.00 251,012.72 251,012.72
313 0.00 0.00 0.00 0.00 0.00 0.00 0.00 251,427.29 251,427.29
314 0.00 0.00 0.00 0.00 0.00 0.00 0.00 251,842.54 251,842.54
315 0.00 0.00 0.00 0.00 0.00 0.00 0.00 252,258.48 252,258.48
316 0.00 0.00 0.00 0.00 0.00 0.00 0.00 252,675.10 252,675.10
317 0.00 0.00 0.00 0.00 0.00 0.00 0.00 253,092.41 253,092.41
318 0.00 0.00 0.00 0.00 0.00 0.00 0.00 253,510.42 253,510.42
319 0.00 0.00 0.00 0.00 0.00 0.00 0.00 253,929.11 253,929.11
320 0.00 0.00 0.00 0.00 0.00 0.00 0.00 254,348.50 254,348.50
321 0.00 0.00 0.00 0.00 0.00 0.00 0.00 254,768.57 254,768.57
322 0.00 0.00 0.00 0.00 0.00 0.00 0.00 255,189.34 255,189.34
323 0.00 0.00 0.00 0.00 0.00 0.00 0.00 255,610.81 255,610.81
324 0.00 0.00 0.00 0.00 0.00 0.00 0.00 256,032.97 256,032.97
325 0.00 0.00 0.00 0.00 0.00 0.00 0.00 256,455.83 256,455.83
326 0.00 0.00 0.00 0.00 0.00 0.00 0.00 256,879.39 256,879.39
327 0.00 0.00 0.00 0.00 0.00 0.00 0.00 257,303.65 257,303.65
328 0.00 0.00 0.00 0.00 0.00 0.00 0.00 257,728.60 257,728.60
329 0.00 0.00 0.00 0.00 0.00 0.00 0.00 258,154.26 258,154.26
330 0.00 0.00 0.00 0.00 0.00 0.00 0.00 258,580.63 258,580.63
331 0.00 0.00 0.00 0.00 0.00 0.00 0.00 259,007.69 259,007.69
332 0.00 0.00 0.00 0.00 0.00 0.00 0.00 259,435.47 259,435.47
333 0.00 0.00 0.00 0.00 0.00 0.00 0.00 259,863.94 259,863.94
334 0.00 0.00 0.00 0.00 0.00 0.00 0.00 260,293.13 260,293.13
335 0.00 0.00 0.00 0.00 0.00 0.00 0.00 260,723.03 260,723.03
336 0.00 0.00 0.00 0.00 0.00 0.00 0.00 261,153.63 261,153.63
337 0.00 0.00 0.00 0.00 0.00 0.00 0.00 261,584.95 261,584.95
338 0.00 0.00 0.00 0.00 0.00 0.00 0.00 262,016.98 262,016.98
339 0.00 0.00 0.00 0.00 0.00 0.00 0.00 262,449.72 262,449.72

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 340 0.00 0.00 0.00 0.00 0.00 0.00 0.00 262,883.18 262,883.18
341 0.00 0.00 0.00 0.00 0.00 0.00 0.00 263,317.35 263,317.35
342 0.00 0.00 0.00 0.00 0.00 0.00 0.00 263,752.24 263,752.24
343 0.00 0.00 0.00 0.00 0.00 0.00 0.00 264,187.85 264,187.85
344 0.00 0.00 0.00 0.00 0.00 0.00 0.00 264,624.17 264,624.17
345 0.00 0.00 0.00 0.00 0.00 0.00 0.00 265,061.22 265,061.22
346 0.00 0.00 0.00 0.00 0.00 0.00 0.00 265,498.99 265,498.99
347 0.00 0.00 0.00 0.00 0.00 0.00 0.00 265,937.49 265,937.49
348 0.00 0.00 0.00 0.00 0.00 0.00 0.00 266,376.70 266,376.70
349 0.00 0.00 0.00 0.00 0.00 0.00 0.00 266,816.65 266,816.65
350 0.00 0.00 0.00 0.00 0.00 0.00 0.00 267,257.32 267,257.32
351 0.00 0.00 0.00 0.00 0.00 0.00 0.00 267,698.71 267,698.71
352 0.00 0.00 0.00 0.00 0.00 0.00 0.00 268,140.84 268,140.84
353 0.00 0.00 0.00 0.00 0.00 0.00 0.00 268,583.70 268,583.70
354 0.00 0.00 0.00 0.00 0.00 0.00 0.00 269,027.28 269,027.28
355 0.00 0.00 0.00 0.00 0.00 0.00 0.00 269,471.60 269,471.60
356 0.00 0.00 0.00 0.00 0.00 0.00 0.00 269,916.66 269,916.66
357 0.00 0.00 0.00 0.00 0.00 0.00 0.00 270,362.45 270,362.45
358 0.00 0.00 0.00 0.00 0.00 0.00 0.00 270,808.97 270,808.97
359 0.00 0.00 0.00 0.00 0.00 0.00 0.00 271,256.24 271,256.24
360 0.00 0.00 0.00 0.00 0.00 0.00 0.00 271,704.24 271,704.24

[42]

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HELP

Getting Started
General help information for how to use each calculator is provided on the right side of
each worksheet. Specific help information for cells is provided via cell comments.
Additional Help
The link at the top of this worksheet will take you to the web page on vertex42.com that
talks about this template.