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Instructions
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Mortgage calculators are sometimes also referred to as home loan calculators or bond calculators. The aim of this free Excel
template is to enable users to calculate monthly mortgage repayments, determine the affordability of a home loan, calculate the
interest savings that result from increased mortgage instalments and measure the sensitivity of mortgage repayments to changes in
interest rates. After using this template, you will also gain a better understanding of home loan amortization and specifically the
timing of capital repayments on a mortgage.
The following sheets are included in this template:
MortgageCalculator Sheet
All the calculations in this template are based on the values that are entered in the input cells from cell B4 to B9 on the
MortgageCalculator sheet (except for the net disposable income calculation). Input guidance is displayed below the selected input
cell. We have also added data validation to all input cells to ensure that only valid user input is accepted.
Calculation Results:
The monthly mortgage repayment amount is calculated from the mortgage principle amount (cell B4), mortgage period (cell B6)
and the annual interest rate (cell B5).
The total interest paid over the entire mortgage period is the total amount of interest that will have to be paid over the entire
mortgage period.
The total mortgage repayment over the mortgage period is the sum of all the monthly mortgage repayment amounts. This amount
consists of all interest charges and capital repayments.
The monthly net disposable Income is calculated on the NetDisposable sheet - refer to this sheet for more information on the
calculation.
The maximum mortgage qualification amount is calculated based on the net disposable income, annual interest rate and mortgage
period. It represents an estimate of the maximum mortgage amount that applicants can qualify for based on their combined monthly
net disposable income. There are a number of other factors that financial institutions will consider when determining the maximum
mortgage qualification amount - our calculation should therefore only be seen as an estimate which cannot be guaranteed.
The minimum required net disposable income is the minimum net disposable income that is required in order to qualify for the
mortgage principle amount that is entered in cell B4.
The interest rate safety percentage indicates the percentage by which interest rates have to increase before the monthly net
disposable income would not be sufficient to cover the required monthly mortgage repayments.
The increased instalment calculations in row 21 to 26 are based on the additional monthly mortgage repayment that is entered in
cell B7. The assumption is made that the entire additional mortgage repayments are deducted from the outstanding capital
balance, thereby resulting in a shorter mortgage repayment period. Note that the present value of the interest saving is calculated
by discounting the monthly interest savings by the average annual inflation rate over the entire mortgage period. It therefore
represents the value of future interest savings in today's monetary terms.
The interest rate sensitivity calculation measures the effect that changes in the mortgage interest rate have on monthly mortgage
repayments. The interest rate sensitivity percentage that is entered in cell B8 is used for this purpose.
The capital repayment chart is a visual display of the timing of capital repayments over the entire mortgage period.
The increased instalment interest saving chart is a visual display of the interest savings that result from effecting increased monthly
mortgage repayments.
NetDisposable Sheet
This sheet includes a detailed calculation of the monthly net disposable income. All values should be entered as positive values.
Refer to the guidance that has been included from row 38 downwards for more information on the input that is required in each
input cell.
AnnualAmort Sheet
This sheet includes an annual amortization table that is based on the mortgage input values that are entered in cell B4 to B6 on the
MortgageCalculator sheet. We recommend that you pay special attention to the outstanding capital percentage in column G as it
indicates how the capital will be repaid over the entire mortgage period. You'll notice that during the first few years of the mortgage
repayment period, the monthly mortgage repayments consist almost entirely of interest.
MonthAmort Sheet
This sheet includes a monthly amortization table that is based on the mortgage input values that are entered in cell B4 to B6 on the
MortgageCalculator sheet.
Help
If you experience any difficulty while using this template, please e-mail us at support@excel-skills.com.au for assistance.
Page 1 of 11
Mortgage Calculator
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Capital Repayment
Capital Repayment
350,000
Input Variables
Mortgage Amount
Annual Interest Rate
Mortgage Period in Years
Additional Monthly Mortgage Repayment
Annual Interest Rate Sensitivity
Average Annual Inflation Rate
300,000.00
7.8%
25
500.00
8.8%
3.0%
300,000
250,000
200,000
150,000
100,000
Calculation Results
Monthly Mortgage Repayment
Total Interest over Mortgage Period
Total Mortgage Repayment over Mortgage Period
2,275.84
382,752.94
682,752.94
3,000
395,457.84
2,276
3.47%
2,775.84
219,399.90
187.11
15.59
163,353.04
106,425.25
50,000
0
Years 1
10
13
16
19
22
25
28
Amortization
Increased Instalment
450,000
400,000
350,000
300,000
250,000
200,000
150,000
100,000
2,275.84
2,476.63
200.79
50,000
0
Years
Page 2 of 11
10
13
16
19
22
25
28
1
2
3
4
5
6
7
8
9
10
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3,000
3,000
1
2
3
4
5
3,000
6
7
8
9
10
11
12
14
15
16
17
13
Operational Expenses
Rent Paid
Water, Electricity & Gas
Property Taxes
Repairs & Maintenance
Levies Paid
Telephone / Cell Phone / Internet
Insurance - Short Term
Insurance - Life
Medical Costs
Investments - Retirement Annuities
Investments - Other
Donations
Education
Fuel & Vehicle Maintenance
Television Subscription
Memberships
Subscriptions
Cleaning Expenses
Gardening
Groceries
Clothing
Entertainment
Maintenance Payments
Other
Total Operational Expenses
3,000
-
3,000
Page 3 of 11
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
Financing Expenses
Mortgage Repayments
Personal Loan Instalments
Financing - Motor Vehicles
Financing - Computers
Financing - Furniture
Credit Card Repayments
Bank Charges
Other
Total Financing Expenses
42
43
44
45
46
47
48
49
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Note: If you're experiencing any difficulty in completing this spreadsheet, we recommend using our Personal Finance template to analyze your monthly household expenses.
Page 4 of 11
Opening
Balance
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Mortgage
Repayment
Interest
Charged
Capital Repaid
Closing
Balance
% Capital
Outstanding
300,000.00
27,310.12
23,257.14
4,052.98
295,947.02
98.6%
295,947.02
27,310.12
22,929.46
4,380.66
291,566.36
97.2%
291,566.36
27,310.12
22,575.28
4,734.84
286,831.53
95.6%
286,831.53
27,310.12
22,192.47
5,117.65
281,713.88
93.9%
281,713.88
27,310.12
21,778.71
5,531.41
276,182.47
92.1%
276,182.47
27,310.12
21,331.50
5,978.62
270,203.85
90.1%
270,203.85
27,310.12
20,848.13
6,461.99
263,741.86
87.9%
263,741.86
27,310.12
20,325.68
6,984.44
256,757.42
85.6%
256,757.42
27,310.12
19,760.99
7,549.13
249,208.29
83.1%
10
249,208.29
27,310.12
19,150.64
8,159.48
241,048.81
80.3%
11
241,048.81
27,310.12
18,490.95
8,819.17
232,229.64
77.4%
12
232,229.64
27,310.12
17,777.92
9,532.20
222,697.44
74.2%
13
222,697.44
27,310.12
17,007.24
10,302.87
212,394.57
70.8%
14
212,394.57
27,310.12
16,174.26
11,135.86
201,258.71
67.1%
15
201,258.71
27,310.12
15,273.93
12,036.19
189,222.52
63.1%
16
189,222.52
27,310.12
14,300.80
13,009.32
176,213.20
58.7%
17
176,213.20
27,310.12
13,249.00
14,061.12
162,152.09
54.1%
18
162,152.09
27,310.12
12,112.16
15,197.96
146,954.13
49.0%
19
146,954.13
27,310.12
10,883.41
16,426.71
130,527.42
43.5%
20
130,527.42
27,310.12
9,555.31
17,754.80
112,772.62
37.6%
21
112,772.62
27,310.12
8,119.84
19,190.28
93,582.34
31.2%
22
93,582.34
27,310.12
6,568.31
20,741.81
72,840.54
24.3%
23
72,840.54
27,310.12
4,891.34
22,418.78
50,421.76
16.8%
24
50,421.76
27,310.12
3,078.79
24,231.33
26,190.43
8.7%
25
26,190.43
27,310.12
1,119.69
26,190.43
0.0%
26
0.0%
27
0.0%
28
0.0%
29
0.0%
30
0.0%
Page 5 of 11
Opening
Balance
300,000.00
299,674.16
299,346.20
299,016.10
298,683.86
298,349.47
298,012.89
297,674.14
297,333.17
296,990.00
296,644.59
296,296.94
295,947.02
295,594.83
295,240.36
294,883.58
294,524.48
294,163.04
293,799.26
293,433.11
293,064.58
292,693.66
292,320.33
291,944.57
291,566.36
291,185.70
290,802.56
290,416.94
290,028.81
289,638.15
289,244.95
288,849.20
288,450.88
288,049.97
287,646.45
287,240.31
286,831.53
286,420.09
286,005.98
285,589.17
285,169.66
284,747.42
284,322.43
283,894.69
283,464.16
283,030.83
282,594.69
282,155.71
281,713.88
281,269.18
280,821.58
280,371.08
279,917.65
279,461.27
279,001.93
278,539.60
278,074.26
277,605.90
277,134.50
276,660.03
276,182.47
275,701.82
www.excel-skills.com.au
Mortgage
Repayment
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
Interest
Charged
Capital Repaid
1,950.00
1,947.88
1,945.75
1,943.60
1,941.45
1,939.27
1,937.08
1,934.88
1,932.67
1,930.43
1,928.19
1,925.93
1,923.66
1,921.37
1,919.06
1,916.74
1,914.41
1,912.06
1,909.70
1,907.32
1,904.92
1,902.51
1,900.08
1,897.64
1,895.18
1,892.71
1,890.22
1,887.71
1,885.19
1,882.65
1,880.09
1,877.52
1,874.93
1,872.32
1,869.70
1,867.06
1,864.40
1,861.73
1,859.04
1,856.33
1,853.60
1,850.86
1,848.10
1,845.32
1,842.52
1,839.70
1,836.87
1,834.01
1,831.14
1,828.25
1,825.34
1,822.41
1,819.46
1,816.50
1,813.51
1,810.51
1,807.48
1,804.44
1,801.37
1,798.29
1,795.19
1,792.06
Page 6 of 11
325.84
327.96
330.09
332.24
334.40
336.57
338.76
340.96
343.18
345.41
347.65
349.91
352.19
354.48
356.78
359.10
361.43
363.78
366.15
368.53
370.92
373.33
375.76
378.20
380.66
383.14
385.63
388.13
390.66
393.20
395.75
398.32
400.91
403.52
406.14
408.78
411.44
414.11
416.80
419.51
422.24
424.98
427.75
430.53
433.33
436.14
438.98
441.83
444.70
447.59
450.50
453.43
456.38
459.34
462.33
465.34
468.36
471.40
474.47
477.55
480.66
483.78
Closing
Balance
299,674.16
299,346.20
299,016.10
298,683.86
298,349.47
298,012.89
297,674.14
297,333.17
296,990.00
296,644.59
296,296.94
295,947.02
295,594.83
295,240.36
294,883.58
294,524.48
294,163.04
293,799.26
293,433.11
293,064.58
292,693.66
292,320.33
291,944.57
291,566.36
291,185.70
290,802.56
290,416.94
290,028.81
289,638.15
289,244.95
288,849.20
288,450.88
288,049.97
287,646.45
287,240.31
286,831.53
286,420.09
286,005.98
285,589.17
285,169.66
284,747.42
284,322.43
283,894.69
283,464.16
283,030.83
282,594.69
282,155.71
281,713.88
281,269.18
280,821.58
280,371.08
279,917.65
279,461.27
279,001.93
278,539.60
278,074.26
277,605.90
277,134.50
276,660.03
276,182.47
275,701.82
275,218.04
% Capital
Outstanding
99.89%
99.78%
99.67%
99.56%
99.45%
99.34%
99.22%
99.11%
99.00%
98.88%
98.77%
98.65%
98.53%
98.41%
98.29%
98.17%
98.05%
97.93%
97.81%
97.69%
97.56%
97.44%
97.31%
97.19%
97.06%
96.93%
96.81%
96.68%
96.55%
96.41%
96.28%
96.15%
96.02%
95.88%
95.75%
95.61%
95.47%
95.34%
95.20%
95.06%
94.92%
94.77%
94.63%
94.49%
94.34%
94.20%
94.05%
93.90%
93.76%
93.61%
93.46%
93.31%
93.15%
93.00%
92.85%
92.69%
92.54%
92.38%
92.22%
92.06%
91.90%
91.74%
Opening
Balance
275,218.04
274,731.11
274,241.02
273,747.74
273,251.26
272,751.55
272,248.59
271,742.36
271,232.85
270,720.02
270,203.85
269,684.34
269,161.44
268,635.15
268,105.43
267,572.27
267,035.65
266,495.54
265,951.92
265,404.76
264,854.05
264,299.76
263,741.86
263,180.34
262,615.17
262,046.33
261,473.78
260,897.52
260,317.51
259,733.73
259,146.16
258,554.77
257,959.53
257,360.42
256,757.42
256,150.50
255,539.64
254,924.80
254,305.97
253,683.12
253,056.21
252,425.24
251,790.16
251,150.95
250,507.59
249,860.04
249,208.29
248,552.30
247,892.05
247,227.50
246,558.64
245,885.43
245,207.84
244,525.85
243,839.42
243,148.53
242,453.16
241,753.26
241,048.81
240,339.79
239,626.15
238,907.88
www.excel-skills.com.au
Mortgage
Repayment
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
Interest
Charged
Capital Repaid
1,788.92
1,785.75
1,782.57
1,779.36
1,776.13
1,772.89
1,769.62
1,766.33
1,763.01
1,759.68
1,756.33
1,752.95
1,749.55
1,746.13
1,742.69
1,739.22
1,735.73
1,732.22
1,728.69
1,725.13
1,721.55
1,717.95
1,714.32
1,710.67
1,707.00
1,703.30
1,699.58
1,695.83
1,692.06
1,688.27
1,684.45
1,680.61
1,676.74
1,672.84
1,668.92
1,664.98
1,661.01
1,657.01
1,652.99
1,648.94
1,644.87
1,640.76
1,636.64
1,632.48
1,628.30
1,624.09
1,619.85
1,615.59
1,611.30
1,606.98
1,602.63
1,598.26
1,593.85
1,589.42
1,584.96
1,580.47
1,575.95
1,571.40
1,566.82
1,562.21
1,557.57
1,552.90
Page 7 of 11
486.93
490.09
493.28
496.48
499.71
502.96
506.23
509.52
512.83
516.16
519.52
522.89
526.29
529.71
533.16
536.62
540.11
543.62
547.16
550.71
554.29
557.89
561.52
565.17
568.84
572.54
576.26
580.01
583.78
587.57
591.39
595.24
599.11
603.00
606.92
610.86
614.84
618.83
622.85
626.90
630.98
635.08
639.21
643.36
647.54
651.75
655.99
660.25
664.54
668.86
673.21
677.59
681.99
686.43
690.89
695.38
699.90
704.45
709.03
713.63
718.27
722.94
Closing
Balance
274,731.11
274,241.02
273,747.74
273,251.26
272,751.55
272,248.59
271,742.36
271,232.85
270,720.02
270,203.85
269,684.34
269,161.44
268,635.15
268,105.43
267,572.27
267,035.65
266,495.54
265,951.92
265,404.76
264,854.05
264,299.76
263,741.86
263,180.34
262,615.17
262,046.33
261,473.78
260,897.52
260,317.51
259,733.73
259,146.16
258,554.77
257,959.53
257,360.42
256,757.42
256,150.50
255,539.64
254,924.80
254,305.97
253,683.12
253,056.21
252,425.24
251,790.16
251,150.95
250,507.59
249,860.04
249,208.29
248,552.30
247,892.05
247,227.50
246,558.64
245,885.43
245,207.84
244,525.85
243,839.42
243,148.53
242,453.16
241,753.26
241,048.81
240,339.79
239,626.15
238,907.88
238,184.94
% Capital
Outstanding
91.58%
91.41%
91.25%
91.08%
90.92%
90.75%
90.58%
90.41%
90.24%
90.07%
89.89%
89.72%
89.55%
89.37%
89.19%
89.01%
88.83%
88.65%
88.47%
88.28%
88.10%
87.91%
87.73%
87.54%
87.35%
87.16%
86.97%
86.77%
86.58%
86.38%
86.18%
85.99%
85.79%
85.59%
85.38%
85.18%
84.97%
84.77%
84.56%
84.35%
84.14%
83.93%
83.72%
83.50%
83.29%
83.07%
82.85%
82.63%
82.41%
82.19%
81.96%
81.74%
81.51%
81.28%
81.05%
80.82%
80.58%
80.35%
80.11%
79.88%
79.64%
79.39%
Opening
Balance
238,184.94
237,457.30
236,724.93
235,987.79
235,245.87
234,499.13
233,747.53
232,991.04
232,229.64
231,463.29
230,691.96
229,915.62
229,134.22
228,347.75
227,556.17
226,759.44
225,957.54
225,150.42
224,338.05
223,520.41
222,697.44
221,869.13
221,035.44
220,196.33
219,351.76
218,501.70
217,646.12
216,784.98
215,918.24
215,045.86
214,167.82
213,284.07
212,394.57
211,499.29
210,598.19
209,691.24
208,778.39
207,859.61
206,934.85
206,004.08
205,067.27
204,124.36
203,175.33
202,220.12
201,258.71
200,291.05
199,317.10
198,336.82
197,350.16
196,357.09
195,357.57
194,351.55
193,339.00
192,319.86
191,294.09
190,261.66
189,222.52
188,176.62
187,123.93
186,064.39
184,997.96
183,924.61
www.excel-skills.com.au
Mortgage
Repayment
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
Interest
Charged
Capital Repaid
1,548.20
1,543.47
1,538.71
1,533.92
1,529.10
1,524.24
1,519.36
1,514.44
1,509.49
1,504.51
1,499.50
1,494.45
1,489.37
1,484.26
1,479.12
1,473.94
1,468.72
1,463.48
1,458.20
1,452.88
1,447.53
1,442.15
1,436.73
1,431.28
1,425.79
1,420.26
1,414.70
1,409.10
1,403.47
1,397.80
1,392.09
1,386.35
1,380.56
1,374.75
1,368.89
1,362.99
1,357.06
1,351.09
1,345.08
1,339.03
1,332.94
1,326.81
1,320.64
1,314.43
1,308.18
1,301.89
1,295.56
1,289.19
1,282.78
1,276.32
1,269.82
1,263.29
1,256.70
1,250.08
1,243.41
1,236.70
1,229.95
1,223.15
1,216.31
1,209.42
1,202.49
1,195.51
Page 8 of 11
727.64
732.37
737.13
741.92
746.74
751.60
756.48
761.40
766.35
771.33
776.35
781.39
786.47
791.58
796.73
801.91
807.12
812.37
817.65
822.96
828.31
833.69
839.11
844.57
850.06
855.58
861.14
866.74
872.37
878.05
883.75
889.50
895.28
901.10
906.95
912.85
918.78
924.76
930.77
936.82
942.91
949.03
955.20
961.41
967.66
973.95
980.28
986.65
993.07
999.52
1,006.02
1,012.56
1,019.14
1,025.76
1,032.43
1,039.14
1,045.90
1,052.70
1,059.54
1,066.42
1,073.36
1,080.33
Closing
Balance
237,457.30
236,724.93
235,987.79
235,245.87
234,499.13
233,747.53
232,991.04
232,229.64
231,463.29
230,691.96
229,915.62
229,134.22
228,347.75
227,556.17
226,759.44
225,957.54
225,150.42
224,338.05
223,520.41
222,697.44
221,869.13
221,035.44
220,196.33
219,351.76
218,501.70
217,646.12
216,784.98
215,918.24
215,045.86
214,167.82
213,284.07
212,394.57
211,499.29
210,598.19
209,691.24
208,778.39
207,859.61
206,934.85
206,004.08
205,067.27
204,124.36
203,175.33
202,220.12
201,258.71
200,291.05
199,317.10
198,336.82
197,350.16
196,357.09
195,357.57
194,351.55
193,339.00
192,319.86
191,294.09
190,261.66
189,222.52
188,176.62
187,123.93
186,064.39
184,997.96
183,924.61
182,844.27
% Capital
Outstanding
79.15%
78.91%
78.66%
78.42%
78.17%
77.92%
77.66%
77.41%
77.15%
76.90%
76.64%
76.38%
76.12%
75.85%
75.59%
75.32%
75.05%
74.78%
74.51%
74.23%
73.96%
73.68%
73.40%
73.12%
72.83%
72.55%
72.26%
71.97%
71.68%
71.39%
71.09%
70.80%
70.50%
70.20%
69.90%
69.59%
69.29%
68.98%
68.67%
68.36%
68.04%
67.73%
67.41%
67.09%
66.76%
66.44%
66.11%
65.78%
65.45%
65.12%
64.78%
64.45%
64.11%
63.76%
63.42%
63.07%
62.73%
62.37%
62.02%
61.67%
61.31%
60.95%
Opening
Balance
182,844.27
181,756.92
180,662.50
179,560.96
178,452.26
177,336.36
176,213.20
175,082.74
173,944.94
172,799.74
171,647.09
170,486.96
169,319.28
168,144.01
166,961.10
165,770.51
164,572.17
163,366.05
162,152.09
160,930.23
159,700.43
158,462.64
157,216.81
155,962.87
154,700.79
153,430.50
152,151.96
150,865.10
149,569.88
148,266.24
146,954.13
145,633.49
144,304.26
142,966.40
141,619.84
140,264.52
138,900.40
137,527.41
136,145.49
134,754.60
133,354.66
131,945.62
130,527.42
129,100.01
127,663.31
126,217.28
124,761.85
123,296.96
121,822.55
120,338.55
118,844.91
117,341.56
115,828.44
114,305.48
112,772.62
111,229.80
109,676.95
108,114.01
106,540.90
104,957.58
103,363.96
101,759.98
www.excel-skills.com.au
Mortgage
Repayment
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
Interest
Charged
Capital Repaid
1,188.49
1,181.42
1,174.31
1,167.15
1,159.94
1,152.69
1,145.39
1,138.04
1,130.64
1,123.20
1,115.71
1,108.17
1,100.58
1,092.94
1,085.25
1,077.51
1,069.72
1,061.88
1,053.99
1,046.05
1,038.05
1,030.01
1,021.91
1,013.76
1,005.56
997.30
988.99
980.62
972.20
963.73
955.20
946.62
937.98
929.28
920.53
911.72
902.85
893.93
884.95
875.90
866.81
857.65
848.43
839.15
829.81
820.41
810.95
801.43
791.85
782.20
772.49
762.72
752.88
742.99
733.02
722.99
712.90
702.74
692.52
682.22
671.87
661.44
Page 9 of 11
1,087.36
1,094.42
1,101.54
1,108.70
1,115.90
1,123.16
1,130.46
1,137.81
1,145.20
1,152.64
1,160.14
1,167.68
1,175.27
1,182.91
1,190.60
1,198.33
1,206.12
1,213.96
1,221.85
1,229.80
1,237.79
1,245.84
1,253.93
1,262.08
1,270.29
1,278.54
1,286.86
1,295.22
1,303.64
1,312.11
1,320.64
1,329.23
1,337.87
1,346.56
1,355.31
1,364.12
1,372.99
1,381.91
1,390.90
1,399.94
1,409.04
1,418.20
1,427.41
1,436.69
1,446.03
1,455.43
1,464.89
1,474.41
1,484.00
1,493.64
1,503.35
1,513.12
1,522.96
1,532.86
1,542.82
1,552.85
1,562.94
1,573.10
1,583.33
1,593.62
1,603.98
1,614.40
Closing
Balance
181,756.92
180,662.50
179,560.96
178,452.26
177,336.36
176,213.20
175,082.74
173,944.94
172,799.74
171,647.09
170,486.96
169,319.28
168,144.01
166,961.10
165,770.51
164,572.17
163,366.05
162,152.09
160,930.23
159,700.43
158,462.64
157,216.81
155,962.87
154,700.79
153,430.50
152,151.96
150,865.10
149,569.88
148,266.24
146,954.13
145,633.49
144,304.26
142,966.40
141,619.84
140,264.52
138,900.40
137,527.41
136,145.49
134,754.60
133,354.66
131,945.62
130,527.42
129,100.01
127,663.31
126,217.28
124,761.85
123,296.96
121,822.55
120,338.55
118,844.91
117,341.56
115,828.44
114,305.48
112,772.62
111,229.80
109,676.95
108,114.01
106,540.90
104,957.58
103,363.96
101,759.98
100,145.58
% Capital
Outstanding
60.59%
60.22%
59.85%
59.48%
59.11%
58.74%
58.36%
57.98%
57.60%
57.22%
56.83%
56.44%
56.05%
55.65%
55.26%
54.86%
54.46%
54.05%
53.64%
53.23%
52.82%
52.41%
51.99%
51.57%
51.14%
50.72%
50.29%
49.86%
49.42%
48.98%
48.54%
48.10%
47.66%
47.21%
46.75%
46.30%
45.84%
45.38%
44.92%
44.45%
43.98%
43.51%
43.03%
42.55%
42.07%
41.59%
41.10%
40.61%
40.11%
39.61%
39.11%
38.61%
38.10%
37.59%
37.08%
36.56%
36.04%
35.51%
34.99%
34.45%
33.92%
33.38%
Opening
Balance
100,145.58
98,520.68
96,885.22
95,239.13
93,582.34
91,914.79
90,236.39
88,547.08
86,846.79
85,135.46
83,412.99
81,679.33
79,934.41
78,178.14
76,410.45
74,631.28
72,840.54
71,038.16
69,224.06
67,398.18
65,560.42
63,710.72
61,849.00
59,975.17
58,089.17
56,190.90
54,280.30
52,357.28
50,421.76
48,473.66
46,512.89
44,539.39
42,553.05
40,553.80
38,541.56
36,516.23
34,477.75
32,426.01
30,360.93
28,282.44
26,190.43
24,084.82
21,965.53
19,832.47
17,685.53
15,524.65
13,349.71
11,160.64
8,957.34
6,739.72
4,507.69
2,261.15
-
www.excel-skills.com.au
Mortgage
Repayment
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
2,275.84
-
Interest
Charged
Capital Repaid
650.95
640.38
629.75
619.05
608.29
597.45
586.54
575.56
564.50
553.38
542.18
530.92
519.57
508.16
496.67
485.10
473.46
461.75
449.96
438.09
426.14
414.12
402.02
389.84
377.58
365.24
352.82
340.32
327.74
315.08
302.33
289.51
276.59
263.60
250.52
237.36
224.11
210.77
197.35
183.84
170.24
156.55
142.78
128.91
114.96
100.91
86.77
72.54
58.22
43.81
29.30
14.70
-
Page 10 of 11
1,624.90
1,635.46
1,646.09
1,656.79
1,667.56
1,678.40
1,689.31
1,700.29
1,711.34
1,722.46
1,733.66
1,744.93
1,756.27
1,767.69
1,779.18
1,790.74
1,802.38
1,814.10
1,825.89
1,837.75
1,849.70
1,861.72
1,873.82
1,886.00
1,898.26
1,910.60
1,923.02
1,935.52
1,948.10
1,960.76
1,973.51
1,986.34
1,999.25
2,012.24
2,025.32
2,038.49
2,051.74
2,065.07
2,078.50
2,092.01
2,105.61
2,119.29
2,133.07
2,146.93
2,160.89
2,174.93
2,189.07
2,203.30
2,217.62
2,232.03
2,246.54
2,261.15
-
Closing
Balance
98,520.68
96,885.22
95,239.13
93,582.34
91,914.79
90,236.39
88,547.08
86,846.79
85,135.46
83,412.99
81,679.33
79,934.41
78,178.14
76,410.45
74,631.28
72,840.54
71,038.16
69,224.06
67,398.18
65,560.42
63,710.72
61,849.00
59,975.17
58,089.17
56,190.90
54,280.30
52,357.28
50,421.76
48,473.66
46,512.89
44,539.39
42,553.05
40,553.80
38,541.56
36,516.23
34,477.75
32,426.01
30,360.93
28,282.44
26,190.43
24,084.82
21,965.53
19,832.47
17,685.53
15,524.65
13,349.71
11,160.64
8,957.34
6,739.72
4,507.69
2,261.15
-
% Capital
Outstanding
32.84%
32.30%
31.75%
31.19%
30.64%
30.08%
29.52%
28.95%
28.38%
27.80%
27.23%
26.64%
26.06%
25.47%
24.88%
24.28%
23.68%
23.07%
22.47%
21.85%
21.24%
20.62%
19.99%
19.36%
18.73%
18.09%
17.45%
16.81%
16.16%
15.50%
14.85%
14.18%
13.52%
12.85%
12.17%
11.49%
10.81%
10.12%
9.43%
8.73%
8.03%
7.32%
6.61%
5.90%
5.17%
4.45%
3.72%
2.99%
2.25%
1.50%
0.75%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Opening
Balance
www.excel-skills.com.au
Mortgage
Repayment
Interest
Charged
Capital Repaid
382,752.94
Page 11 of 11
Closing
Balance
% Capital
Outstanding
-
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%