Adjustable Rate Mortgage (ARM) Calculator

$25,000 Loan Balance

Loan Information Cumulative Principal Borrower:
Cumulative Interest [Address, City, ST ZIP]
$20,000
Loan amount 20,000.00 Phone: [Phone]
Term (years) 20
$15,000
Starting interest rate 6.500%
First payment date 1/1/2017 Lender:
$10,000
[Address, City, ST ZIP]
Starting monthly payment 0.00 Phone: [Phone]
$5,000
.
Month
$-
Summary 0 50 100 150 200 250 300 Notes

Total Payments 16,400.00 8% Interest Rate History

Total Interest 10,398.37

Interest Rate
6%
Total Principal 6,001.63
Internal Rate of Return Err:523 {42}
4%
2%
Month
0%
0 50 100 150 200 250 300
Amortization Schedule [42]
Payment Tracking
Payment Extra Cumulative Cumulative Date Actual PI
No. Interest Rate Payment Due Interest Principal Balance Notes
Date Payment Interest Principal Received Payment
6.500% ($20,000.00) $ 20,000
1 1/1/2017 6.500% 0.00 1,000.00 108.33 891.67 19,108.33 108.33 891.67 1/5/2017 1,000.00
2 2/1/2017 6.500% 0.00 5,000.00 103.50 4,896.50 14,211.83 211.83 5,788.17 5,000.00
3 3/1/2017 6.500% 0.00 10,000.00 76.98 9,923.02 4,288.81 288.81 15,711.19 10,000.00
4 4/1/2017 6.500% 0.00 400.00 23.23 376.77 3,912.04 312.04 16,087.96 400.00
5 5/1/2017 6.500% 0.00 0.00 21.19 -21.19 3,933.23 333.23 16,066.77
6 6/1/2017 6.500% 0.00 0.00 21.30 -21.30 3,954.53 354.53 16,045.47
7 7/1/2017 6.500% 0.00 0.00 21.42 -21.42 3,975.95 375.95 16,024.05
8 8/1/2017 6.500% 0.00 0.00 21.54 -21.54 3,997.49 397.49 16,002.51
9 9/1/2017 6.500% 0.00 0.00 21.65 -21.65 4,019.14 419.14 15,980.86
10 10/1/2017 6.500% 0.00 0.00 21.77 -21.77 4,040.91 440.91 15,959.09
11 11/1/2017 6.500% 0.00 0.00 21.89 -21.89 4,062.80 462.80 15,937.20
12 12/1/2017 6.500% 0.00 0.00 22.01 -22.01 4,084.81 484.81 15,915.19
13 1/1/2018 6.500% 0.00 0.00 22.13 -22.13 4,106.94 506.94 15,893.06
14 2/1/2018 6.500% 0.00 0.00 22.25 -22.25 4,129.19 529.19 15,870.81
15 3/1/2018 6.500% 0.00 0.00 22.37 -22.37 4,151.56 551.56 15,848.44
16 4/1/2018 6.500% 0.00 0.00 22.49 -22.49 4,174.05 574.05 15,825.95
17 5/1/2018 6.500% 0.00 0.00 22.61 -22.61 4,196.66 596.66 15,803.34
18 6/1/2018 6.500% 0.00 0.00 22.73 -22.73 4,219.39 619.39 15,780.61
19 7/1/2018 6.500% 0.00 0.00 22.86 -22.86 4,242.25 642.25 15,757.75
20 8/1/2018 6.500% 0.00 0.00 22.98 -22.98 4,265.23 665.23 15,734.77
21 9/1/2018 6.500% 0.00 0.00 23.10 -23.10 4,288.33 688.33 15,711.67
22 10/1/2018 6.500% 0.00 0.00 23.23 -23.23 4,311.56 711.56 15,688.44
23 11/1/2018 6.500% 0.00 0.00 23.35 -23.35 4,334.91 734.91 15,665.09
24 12/1/2018 6.500% 0.00 0.00 23.48 -23.48 4,358.39 758.39 15,641.61
25 1/1/2019 6.500% 0.00 0.00 23.61 -23.61 4,382.00 782.00 15,618.00
26 2/1/2019 6.500% 0.00 0.00 23.74 -23.74 4,405.74 805.74 15,594.26
27 3/1/2019 6.500% 0.00 0.00 23.86 -23.86 4,429.60 829.60 15,570.40
28 4/1/2019 6.500% 0.00 0.00 23.99 -23.99 4,453.59 853.59 15,546.41

Page 1 of 12
 Payment Extra Cumulative Cumulative Date Actual PI
No. Interest Rate Payment Due Interest Principal Balance Notes
Date Payment Interest Principal Received Payment
29 5/1/2019 6.500% 0.00 0.00 24.12 -24.12 4,477.71 877.71 15,522.29
30 6/1/2019 6.500% 0.00 0.00 24.25 -24.25 4,501.96 901.96 15,498.04
31 7/1/2019 6.500% 0.00 0.00 24.39 -24.39 4,526.35 926.35 15,473.65
32 8/1/2019 6.500% 0.00 0.00 24.52 -24.52 4,550.87 950.87 15,449.13
33 9/1/2019 6.500% 0.00 0.00 24.65 -24.65 4,575.52 975.52 15,424.48
34 10/1/2019 6.500% 0.00 0.00 24.78 -24.78 4,600.30 1,000.30 15,399.70
35 11/1/2019 6.500% 0.00 0.00 24.92 -24.92 4,625.22 1,025.22 15,374.78
36 12/1/2019 6.500% 0.00 0.00 25.05 -25.05 4,650.27 1,050.27 15,349.73
37 1/1/2020 6.500% 0.00 0.00 25.19 -25.19 4,675.46 1,075.46 15,324.54
38 2/1/2020 6.500% 0.00 0.00 25.33 -25.33 4,700.79 1,100.79 15,299.21
39 3/1/2020 6.500% 0.00 0.00 25.46 -25.46 4,726.25 1,126.25 15,273.75
40 4/1/2020 6.500% 0.00 0.00 25.60 -25.60 4,751.85 1,151.85 15,248.15
41 5/1/2020 6.500% 0.00 0.00 25.74 -25.74 4,777.59 1,177.59 15,222.41
42 6/1/2020 6.500% 0.00 0.00 25.88 -25.88 4,803.47 1,203.47 15,196.53
43 7/1/2020 6.500% 0.00 0.00 26.02 -26.02 4,829.49 1,229.49 15,170.51
44 8/1/2020 6.500% 0.00 0.00 26.16 -26.16 4,855.65 1,255.65 15,144.35
45 9/1/2020 6.500% 0.00 0.00 26.30 -26.30 4,881.95 1,281.95 15,118.05
46 10/1/2020 6.500% 0.00 0.00 26.44 -26.44 4,908.39 1,308.39 15,091.61
47 11/1/2020 6.500% 0.00 0.00 26.59 -26.59 4,934.98 1,334.98 15,065.02
48 12/1/2020 6.500% 0.00 0.00 26.73 -26.73 4,961.71 1,361.71 15,038.29
49 1/1/2021 6.500% 0.00 0.00 26.88 -26.88 4,988.59 1,388.59 15,011.41
50 2/1/2021 6.500% 0.00 0.00 27.02 -27.02 5,015.61 1,415.61 14,984.39
51 3/1/2021 6.500% 0.00 0.00 27.17 -27.17 5,042.78 1,442.78 14,957.22
52 4/1/2021 6.500% 0.00 0.00 27.32 -27.32 5,070.10 1,470.10 14,929.90
53 5/1/2021 6.500% 0.00 0.00 27.46 -27.46 5,097.56 1,497.56 14,902.44
54 6/1/2021 6.500% 0.00 0.00 27.61 -27.61 5,125.17 1,525.17 14,874.83
55 7/1/2021 6.500% 0.00 0.00 27.76 -27.76 5,152.93 1,552.93 14,847.07
56 8/1/2021 6.500% 0.00 0.00 27.91 -27.91 5,180.84 1,580.84 14,819.16
57 9/1/2021 6.500% 0.00 0.00 28.06 -28.06 5,208.90 1,608.90 14,791.10
58 10/1/2021 6.500% 0.00 0.00 28.21 -28.21 5,237.11 1,637.11 14,762.89
59 11/1/2021 6.500% 0.00 0.00 28.37 -28.37 5,265.48 1,665.48 14,734.52
60 12/1/2021 6.500% 0.00 0.00 28.52 -28.52 5,294.00 1,694.00 14,706.00
61 1/1/2022 6.500% 0.00 0.00 28.68 -28.68 5,322.68 1,722.68 14,677.32
62 2/1/2022 6.500% 0.00 0.00 28.83 -28.83 5,351.51 1,751.51 14,648.49
63 3/1/2022 6.500% 0.00 0.00 28.99 -28.99 5,380.50 1,780.50 14,619.50
64 4/1/2022 6.500% 0.00 0.00 29.14 -29.14 5,409.64 1,809.64 14,590.36
65 5/1/2022 6.500% 0.00 0.00 29.30 -29.30 5,438.94 1,838.94 14,561.06
66 6/1/2022 6.500% 0.00 0.00 29.46 -29.46 5,468.40 1,868.40 14,531.60
67 7/1/2022 6.500% 0.00 0.00 29.62 -29.62 5,498.02 1,898.02 14,501.98
68 8/1/2022 6.500% 0.00 0.00 29.78 -29.78 5,527.80 1,927.80 14,472.20
69 9/1/2022 6.500% 0.00 0.00 29.94 -29.94 5,557.74 1,957.74 14,442.26
70 10/1/2022 6.500% 0.00 0.00 30.10 -30.10 5,587.84 1,987.84 14,412.16
71 11/1/2022 6.500% 0.00 0.00 30.27 -30.27 5,618.11 2,018.11 14,381.89
72 12/1/2022 6.500% 0.00 0.00 30.43 -30.43 5,648.54 2,048.54 14,351.46
73 1/1/2023 6.500% 0.00 0.00 30.60 -30.60 5,679.14 2,079.14 14,320.86
74 2/1/2023 6.500% 0.00 0.00 30.76 -30.76 5,709.90 2,109.90 14,290.10
75 3/1/2023 6.500% 0.00 0.00 30.93 -30.93 5,740.83 2,140.83 14,259.17
76 4/1/2023 6.500% 0.00 0.00 31.10 -31.10 5,771.93 2,171.93 14,228.07
77 5/1/2023 6.500% 0.00 0.00 31.26 -31.26 5,803.19 2,203.19 14,196.81
78 6/1/2023 6.500% 0.00 0.00 31.43 -31.43 5,834.62 2,234.62 14,165.38
79 7/1/2023 6.500% 0.00 0.00 31.60 -31.60 5,866.22 2,266.22 14,133.78
80 8/1/2023 6.500% 0.00 0.00 31.78 -31.78 5,898.00 2,298.00 14,102.00
81 9/1/2023 6.500% 0.00 0.00 31.95 -31.95 5,929.95 2,329.95 14,070.05
82 10/1/2023 6.500% 0.00 0.00 32.12 -32.12 5,962.07 2,362.07 14,037.93
83 11/1/2023 6.500% 0.00 0.00 32.29 -32.29 5,994.36 2,394.36 14,005.64
84 12/1/2023 6.500% 0.00 0.00 32.47 -32.47 6,026.83 2,426.83 13,973.17
85 1/1/2024 6.500% 0.00 0.00 32.65 -32.65 6,059.48 2,459.48 13,940.52

Page 2 of 12
 Payment Extra Cumulative Cumulative Date Actual PI
No. Interest Rate Payment Due Interest Principal Balance Notes
Date Payment Interest Principal Received Payment
86 2/1/2024 6.500% 0.00 0.00 32.82 -32.82 6,092.30 2,492.30 13,907.70
87 3/1/2024 6.500% 0.00 0.00 33.00 -33.00 6,125.30 2,525.30 13,874.70
88 4/1/2024 6.500% 0.00 0.00 33.18 -33.18 6,158.48 2,558.48 13,841.52
89 5/1/2024 6.500% 0.00 0.00 33.36 -33.36 6,191.84 2,591.84 13,808.16
90 6/1/2024 6.500% 0.00 0.00 33.54 -33.54 6,225.38 2,625.38 13,774.62
91 7/1/2024 6.500% 0.00 0.00 33.72 -33.72 6,259.10 2,659.10 13,740.90
92 8/1/2024 6.500% 0.00 0.00 33.90 -33.90 6,293.00 2,693.00 13,707.00
93 9/1/2024 6.500% 0.00 0.00 34.09 -34.09 6,327.09 2,727.09 13,672.91
94 10/1/2024 6.500% 0.00 0.00 34.27 -34.27 6,361.36 2,761.36 13,638.64
95 11/1/2024 6.500% 0.00 0.00 34.46 -34.46 6,395.82 2,795.82 13,604.18
96 12/1/2024 6.500% 0.00 0.00 34.64 -34.64 6,430.46 2,830.46 13,569.54
97 1/1/2025 6.500% 0.00 0.00 34.83 -34.83 6,465.29 2,865.29 13,534.71
98 2/1/2025 6.500% 0.00 0.00 35.02 -35.02 6,500.31 2,900.31 13,499.69
99 3/1/2025 6.500% 0.00 0.00 35.21 -35.21 6,535.52 2,935.52 13,464.48
100 4/1/2025 6.500% 0.00 0.00 35.40 -35.40 6,570.92 2,970.92 13,429.08
101 5/1/2025 6.500% 0.00 0.00 35.59 -35.59 6,606.51 3,006.51 13,393.49
102 6/1/2025 6.500% 0.00 0.00 35.79 -35.79 6,642.30 3,042.30 13,357.70
103 7/1/2025 6.500% 0.00 0.00 35.98 -35.98 6,678.28 3,078.28 13,321.72
104 8/1/2025 6.500% 0.00 0.00 36.17 -36.17 6,714.45 3,114.45 13,285.55
105 9/1/2025 6.500% 0.00 0.00 36.37 -36.37 6,750.82 3,150.82 13,249.18
106 10/1/2025 6.500% 0.00 0.00 36.57 -36.57 6,787.39 3,187.39 13,212.61
107 11/1/2025 6.500% 0.00 0.00 36.77 -36.77 6,824.16 3,224.16 13,175.84
108 12/1/2025 6.500% 0.00 0.00 36.96 -36.96 6,861.12 3,261.12 13,138.88
109 1/1/2026 6.500% 0.00 0.00 37.16 -37.16 6,898.28 3,298.28 13,101.72
110 2/1/2026 6.500% 0.00 0.00 37.37 -37.37 6,935.65 3,335.65 13,064.35
111 3/1/2026 6.500% 0.00 0.00 37.57 -37.57 6,973.22 3,373.22 13,026.78
112 4/1/2026 6.500% 0.00 0.00 37.77 -37.77 7,010.99 3,410.99 12,989.01
113 5/1/2026 6.500% 0.00 0.00 37.98 -37.98 7,048.97 3,448.97 12,951.03
114 6/1/2026 6.500% 0.00 0.00 38.18 -38.18 7,087.15 3,487.15 12,912.85
115 7/1/2026 6.500% 0.00 0.00 38.39 -38.39 7,125.54 3,525.54 12,874.46
116 8/1/2026 6.500% 0.00 0.00 38.60 -38.60 7,164.14 3,564.14 12,835.86
117 9/1/2026 6.500% 0.00 0.00 38.81 -38.81 7,202.95 3,602.95 12,797.05
118 10/1/2026 6.500% 0.00 0.00 39.02 -39.02 7,241.97 3,641.97 12,758.03
119 11/1/2026 6.500% 0.00 0.00 39.23 -39.23 7,281.20 3,681.20 12,718.80
120 12/1/2026 6.500% 0.00 0.00 39.44 -39.44 7,320.64 3,720.64 12,679.36
121 1/1/2027 6.500% 0.00 0.00 39.65 -39.65 7,360.29 3,760.29 12,639.71
122 2/1/2027 6.500% 0.00 0.00 39.87 -39.87 7,400.16 3,800.16 12,599.84
123 3/1/2027 6.500% 0.00 0.00 40.08 -40.08 7,440.24 3,840.24 12,559.76
124 4/1/2027 6.500% 0.00 0.00 40.30 -40.30 7,480.54 3,880.54 12,519.46
125 5/1/2027 6.500% 0.00 0.00 40.52 -40.52 7,521.06 3,921.06 12,478.94
126 6/1/2027 6.500% 0.00 0.00 40.74 -40.74 7,561.80 3,961.80 12,438.20
127 7/1/2027 6.500% 0.00 0.00 40.96 -40.96 7,602.76 4,002.76 12,397.24
128 8/1/2027 6.500% 0.00 0.00 41.18 -41.18 7,643.94 4,043.94 12,356.06
129 9/1/2027 6.500% 0.00 0.00 41.40 -41.40 7,685.34 4,085.34 12,314.66
130 10/1/2027 6.500% 0.00 0.00 41.63 -41.63 7,726.97 4,126.97 12,273.03
131 11/1/2027 6.500% 0.00 0.00 41.85 -41.85 7,768.82 4,168.82 12,231.18
132 12/1/2027 6.500% 0.00 0.00 42.08 -42.08 7,810.90 4,210.90 12,189.10
133 1/1/2028 6.500% 0.00 0.00 42.31 -42.31 7,853.21 4,253.21 12,146.79
134 2/1/2028 6.500% 0.00 0.00 42.54 -42.54 7,895.75 4,295.75 12,104.25
135 3/1/2028 6.500% 0.00 0.00 42.77 -42.77 7,938.52 4,338.52 12,061.48
136 4/1/2028 6.500% 0.00 0.00 43.00 -43.00 7,981.52 4,381.52 12,018.48
137 5/1/2028 6.500% 0.00 0.00 43.23 -43.23 8,024.75 4,424.75 11,975.25
138 6/1/2028 6.500% 0.00 0.00 43.47 -43.47 8,068.22 4,468.22 11,931.78
139 7/1/2028 6.500% 0.00 0.00 43.70 -43.70 8,111.92 4,511.92 11,888.08
140 8/1/2028 6.500% 0.00 0.00 43.94 -43.94 8,155.86 4,555.86 11,844.14
141 9/1/2028 6.500% 0.00 0.00 44.18 -44.18 8,200.04 4,600.04 11,799.96
142 10/1/2028 6.500% 0.00 0.00 44.42 -44.42 8,244.46 4,644.46 11,755.54

Page 3 of 12
 Payment Extra Cumulative Cumulative Date Actual PI
No. Interest Rate Payment Due Interest Principal Balance Notes
Date Payment Interest Principal Received Payment
143 11/1/2028 6.500% 0.00 0.00 44.66 -44.66 8,289.12 4,689.12 11,710.88
144 12/1/2028 6.500% 0.00 0.00 44.90 -44.90 8,334.02 4,734.02 11,665.98
145 1/1/2029 6.500% 0.00 0.00 45.14 -45.14 8,379.16 4,779.16 11,620.84
146 2/1/2029 6.500% 0.00 0.00 45.39 -45.39 8,424.55 4,824.55 11,575.45
147 3/1/2029 6.500% 0.00 0.00 45.63 -45.63 8,470.18 4,870.18 11,529.82
148 4/1/2029 6.500% 0.00 0.00 45.88 -45.88 8,516.06 4,916.06 11,483.94
149 5/1/2029 6.500% 0.00 0.00 46.13 -46.13 8,562.19 4,962.19 11,437.81
150 6/1/2029 6.500% 0.00 0.00 46.38 -46.38 8,608.57 5,008.57 11,391.43
151 7/1/2029 6.500% 0.00 0.00 46.63 -46.63 8,655.20 5,055.20 11,344.80
152 8/1/2029 6.500% 0.00 0.00 46.88 -46.88 8,702.08 5,102.08 11,297.92
153 9/1/2029 6.500% 0.00 0.00 47.14 -47.14 8,749.22 5,149.22 11,250.78
154 10/1/2029 6.500% 0.00 0.00 47.39 -47.39 8,796.61 5,196.61 11,203.39
155 11/1/2029 6.500% 0.00 0.00 47.65 -47.65 8,844.26 5,244.26 11,155.74
156 12/1/2029 6.500% 0.00 0.00 47.91 -47.91 8,892.17 5,292.17 11,107.83
157 1/1/2030 6.500% 0.00 0.00 48.17 -48.17 8,940.34 5,340.34 11,059.66
158 2/1/2030 6.500% 0.00 0.00 48.43 -48.43 8,988.77 5,388.77 11,011.23
159 3/1/2030 6.500% 0.00 0.00 48.69 -48.69 9,037.46 5,437.46 10,962.54
160 4/1/2030 6.500% 0.00 0.00 48.95 -48.95 9,086.41 5,486.41 10,913.59
161 5/1/2030 6.500% 0.00 0.00 49.22 -49.22 9,135.63 5,535.63 10,864.37
162 6/1/2030 6.500% 0.00 0.00 49.48 -49.48 9,185.11 5,585.11 10,814.89
163 7/1/2030 6.500% 0.00 0.00 49.75 -49.75 9,234.86 5,634.86 10,765.14
164 8/1/2030 6.500% 0.00 0.00 50.02 -50.02 9,284.88 5,684.88 10,715.12
165 9/1/2030 6.500% 0.00 0.00 50.29 -50.29 9,335.17 5,735.17 10,664.83
166 10/1/2030 6.500% 0.00 0.00 50.57 -50.57 9,385.74 5,785.74 10,614.26
167 11/1/2030 6.500% 0.00 0.00 50.84 -50.84 9,436.58 5,836.58 10,563.42
168 12/1/2030 6.500% 0.00 0.00 51.11 -51.11 9,487.69 5,887.69 10,512.31
169 1/1/2031 6.500% 0.00 0.00 51.39 -51.39 9,539.08 5,939.08 10,460.92
170 2/1/2031 6.500% 0.00 0.00 51.67 -51.67 9,590.75 5,990.75 10,409.25
171 3/1/2031 6.500% 0.00 0.00 51.95 -51.95 9,642.70 6,042.70 10,357.30
172 4/1/2031 6.500% 0.00 0.00 52.23 -52.23 9,694.93 6,094.93 10,305.07
173 5/1/2031 6.500% 0.00 0.00 52.51 -52.51 9,747.44 6,147.44 10,252.56
174 6/1/2031 6.500% 0.00 0.00 52.80 -52.80 9,800.24 6,200.24 10,199.76
175 7/1/2031 6.500% 0.00 0.00 53.08 -53.08 9,853.32 6,253.32 10,146.68
176 8/1/2031 6.500% 0.00 0.00 53.37 -53.37 9,906.69 6,306.69 10,093.31
177 9/1/2031 6.500% 0.00 0.00 53.66 -53.66 9,960.35 6,360.35 10,039.65
178 10/1/2031 6.500% 0.00 0.00 53.95 -53.95 10,014.30 6,414.30 9,985.70
179 11/1/2031 6.500% 0.00 0.00 54.24 -54.24 10,068.54 6,468.54 9,931.46
180 12/1/2031 6.500% 0.00 0.00 54.54 -54.54 10,123.08 6,523.08 9,876.92
181 1/1/2032 6.500% 0.00 0.00 54.83 -54.83 10,177.91 6,577.91 9,822.09
182 2/1/2032 6.500% 0.00 0.00 55.13 -55.13 10,233.04 6,633.04 9,766.96
183 3/1/2032 6.500% 0.00 0.00 55.43 -55.43 10,288.47 6,688.47 9,711.53
184 4/1/2032 6.500% 0.00 0.00 55.73 -55.73 10,344.20 6,744.20 9,655.80
185 5/1/2032 6.500% 0.00 0.00 56.03 -56.03 10,400.23 6,800.23 9,599.77
186 6/1/2032 6.500% 0.00 0.00 56.33 -56.33 10,456.56 6,856.56 9,543.44
187 7/1/2032 6.500% 0.00 0.00 56.64 -56.64 10,513.20 6,913.20 9,486.80
188 8/1/2032 6.500% 0.00 0.00 56.95 -56.95 10,570.15 6,970.15 9,429.85
189 9/1/2032 6.500% 0.00 0.00 57.25 -57.25 10,627.40 7,027.40 9,372.60
190 10/1/2032 6.500% 0.00 0.00 57.57 -57.57 10,684.97 7,084.97 9,315.03
191 11/1/2032 6.500% 0.00 0.00 57.88 -57.88 10,742.85 7,142.85 9,257.15
192 12/1/2032 6.500% 0.00 0.00 58.19 -58.19 10,801.04 7,201.04 9,198.96
193 1/1/2033 6.500% 0.00 0.00 58.51 -58.51 10,859.55 7,259.55 9,140.45
194 2/1/2033 6.500% 0.00 0.00 58.82 -58.82 10,918.37 7,318.37 9,081.63
195 3/1/2033 6.500% 0.00 0.00 59.14 -59.14 10,977.51 7,377.51 9,022.49
196 4/1/2033 6.500% 0.00 0.00 59.46 -59.46 11,036.97 7,436.97 8,963.03
197 5/1/2033 6.500% 0.00 0.00 59.78 -59.78 11,096.75 7,496.75 8,903.25
198 6/1/2033 6.500% 0.00 0.00 60.11 -60.11 11,156.86 7,556.86 8,843.14
199 7/1/2033 6.500% 0.00 0.00 60.43 -60.43 11,217.29 7,617.29 8,782.71

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 Payment Extra Cumulative Cumulative Date Actual PI
No. Interest Rate Payment Due Interest Principal Balance Notes
Date Payment Interest Principal Received Payment
200 8/1/2033 6.500% 0.00 0.00 60.76 -60.76 11,278.05 7,678.05 8,721.95
201 9/1/2033 6.500% 0.00 0.00 61.09 -61.09 11,339.14 7,739.14 8,660.86
202 10/1/2033 6.500% 0.00 0.00 61.42 -61.42 11,400.56 7,800.56 8,599.44
203 11/1/2033 6.500% 0.00 0.00 61.75 -61.75 11,462.31 7,862.31 8,537.69
204 12/1/2033 6.500% 0.00 0.00 62.09 -62.09 11,524.40 7,924.40 8,475.60
205 1/1/2034 6.500% 0.00 0.00 62.42 -62.42 11,586.82 7,986.82 8,413.18
206 2/1/2034 6.500% 0.00 0.00 62.76 -62.76 11,649.58 8,049.58 8,350.42
207 3/1/2034 6.500% 0.00 0.00 63.10 -63.10 11,712.68 8,112.68 8,287.32
208 4/1/2034 6.500% 0.00 0.00 63.44 -63.44 11,776.12 8,176.12 8,223.88
209 5/1/2034 6.500% 0.00 0.00 63.79 -63.79 11,839.91 8,239.91 8,160.09
210 6/1/2034 6.500% 0.00 0.00 64.13 -64.13 11,904.04 8,304.04 8,095.96
211 7/1/2034 6.500% 0.00 0.00 64.48 -64.48 11,968.52 8,368.52 8,031.48
212 8/1/2034 6.500% 0.00 0.00 64.83 -64.83 12,033.35 8,433.35 7,966.65
213 9/1/2034 6.500% 0.00 0.00 65.18 -65.18 12,098.53 8,498.53 7,901.47
214 10/1/2034 6.500% 0.00 0.00 65.53 -65.53 12,164.06 8,564.06 7,835.94
215 11/1/2034 6.500% 0.00 0.00 65.89 -65.89 12,229.95 8,629.95 7,770.05
216 12/1/2034 6.500% 0.00 0.00 66.25 -66.25 12,296.20 8,696.20 7,703.80
217 1/1/2035 6.500% 0.00 0.00 66.60 -66.60 12,362.80 8,762.80 7,637.20
218 2/1/2035 6.500% 0.00 0.00 66.97 -66.97 12,429.77 8,829.77 7,570.23
219 3/1/2035 6.500% 0.00 0.00 67.33 -67.33 12,497.10 8,897.10 7,502.90
220 4/1/2035 6.500% 0.00 0.00 67.69 -67.69 12,564.79 8,964.79 7,435.21
221 5/1/2035 6.500% 0.00 0.00 68.06 -68.06 12,632.85 9,032.85 7,367.15
222 6/1/2035 6.500% 0.00 0.00 68.43 -68.43 12,701.28 9,101.28 7,298.72
223 7/1/2035 6.500% 0.00 0.00 68.80 -68.80 12,770.08 9,170.08 7,229.92
224 8/1/2035 6.500% 0.00 0.00 69.17 -69.17 12,839.25 9,239.25 7,160.75
225 9/1/2035 6.500% 0.00 0.00 69.55 -69.55 12,908.80 9,308.80 7,091.20
226 10/1/2035 6.500% 0.00 0.00 69.92 -69.92 12,978.72 9,378.72 7,021.28
227 11/1/2035 6.500% 0.00 0.00 70.30 -70.30 13,049.02 9,449.02 6,950.98
228 12/1/2035 6.500% 0.00 0.00 70.68 -70.68 13,119.70 9,519.70 6,880.30
229 1/1/2036 6.500% 0.00 0.00 71.07 -71.07 13,190.77 9,590.77 6,809.23
230 2/1/2036 6.500% 0.00 0.00 71.45 -71.45 13,262.22 9,662.22 6,737.78
231 3/1/2036 6.500% 0.00 0.00 71.84 -71.84 13,334.06 9,734.06 6,665.94
232 4/1/2036 6.500% 0.00 0.00 72.23 -72.23 13,406.29 9,806.29 6,593.71
233 5/1/2036 6.500% 0.00 0.00 72.62 -72.62 13,478.91 9,878.91 6,521.09
234 6/1/2036 6.500% 0.00 0.00 73.01 -73.01 13,551.92 9,951.92 6,448.08
235 7/1/2036 6.500% 0.00 0.00 73.41 -73.41 13,625.33 10,025.33 6,374.67
236 8/1/2036 6.500% 0.00 0.00 73.80 -73.80 13,699.13 10,099.13 6,300.87
237 9/1/2036 6.500% 0.00 0.00 74.20 -74.20 13,773.33 10,173.33 6,226.67
238 10/1/2036 6.500% 0.00 0.00 74.61 -74.61 13,847.94 10,247.94 6,152.06
239 11/1/2036 6.500% 0.00 0.00 75.01 -75.01 13,922.95 10,322.95 6,077.05
240 12/1/2036 6.500% 0.00 0.00 75.42 -75.42 13,998.37 10,398.37 6,001.63

Page 5 of 12
 Payment Extra Cumulative Cumulative Date Actual PI
No. Interest Rate Payment Due Interest Principal Balance Notes
Date Payment Interest Principal Received Payment

Page 6 of 12
 Payment Extra Cumulative Cumulative Date Actual PI
No. Interest Rate Payment Due Interest Principal Balance Notes
Date Payment Interest Principal Received Payment

Page 7 of 12
 Payment Extra Cumulative Cumulative Date Actual PI
No. Interest Rate Payment Due Interest Principal Balance Notes
Date Payment Interest Principal Received Payment

Page 8 of 12
 Payment Extra Cumulative Cumulative Date Actual PI
No. Interest Rate Payment Due Interest Principal Balance Notes
Date Payment Interest Principal Received Payment

- - -

Page 9 of 12
HELP

About This Template

Payment Tracking

Some Notes and Assumptions

out This Template
This spreadsheet creates an amortization table and graph for an adjustable rate mortgage (ARM)
loan, with optional extra payments. Results may differ from other calculators due to rounding or how
payments are processed.

ment Tracking
In this version of the spreadsheet, a Payment Tracking table is included that allows you to list when
payments are received and the actual payment amount.

Actual Payment: This is the principal+interest amount. It does not include fees, escrow, etc. The
Extra Payment is calculated as the Actual Payment minus the Payment Due.

If a payment is missed, enter an Actual Payment of 0 (zero). If the Actual Payment is zero or not
enough to cover the interest charged, the unpaid interest is added to the principal balance (resulting in
negative amortization).

Date Received: The date entered in the Date Received column is for reference only and has no effect
on the calculations in the spreadsheet.

Interest Rates: For each payment, enter the interest rate to be used in the calculation of interest for
that row (overwriting the formula currently in the Interest Rate column).

me Notes and Assumptions

• The calculator is designed to handle monthly payments only.
• Payment and interest calculations are rounded to the nearest cent (2 decimal places)

• The Payment Due is adjusted after each payment, so extra payments lower future monthly
payments rather than resulting in paying off the loan early.
• The calculator does not take into account fees, insurance, taxes, etc.
• Read cell comments (cells with red triangles) for more information.