400,000

100,000
24 bimonthly payments

400,000 = PV of 24 BMP + PV of 100,000

PV of 24 BMP = 400,000-PV of 100,000

PV of 100,000 62172.15

PV 24 BMP 337,828

PV = PMT* ((1-(1+i)^(-n))/i)
PMT = PV/((1-(1+i)^(-n))/i)
PMT = 17861.33
300,000
60,000
60 monthly payments

300,000 = PV of 60 monthly payments + PV of 60,000

PV of 60 MP = 300,000 - PV of 60,000

PV of 60,000 44482.33

PV of 60 MP = 255,518

PVAD = PMT *((1-(1+i)^(-n))/i)*(1+i)

PMT = PVAD/(((1-(1+i)^(-n))/i)*(1+i))

PMT 4915.296
 Balance 70000

PMT = PV/((1-(1+i)^(-n))/i)
PMT = 2282.128 Remaining Liability

0.02
1 70,000 1400 2282.128
2 69,118 1382.357 2282.128
ayments + PV of 60,000 3 68,218 1364.362 2282.128
4 67,300 1346.007 2282.128
5 66,364 1327.284 2282.128
6 65,409 1308.187 2282.128
7 64,435 1288.709 2282.128
8 63,442 1268.84 2282.128
9 62,429 1248.574 2282.128
10 61,395 1227.903 2282.128
11 60,341 1206.819 2282.128
12 59,266 1185.313 2282.128
13 58,169 1163.376 2282.128
14 57,050 1141 2282.128
15 55,909 1118.179 2282.128
16 54,745 1094.9 2282.128
17 53,558 1071.155 2282.128
18 52,347 1046.936 2282.128
19 51,112 1022.232 2282.128
20 49,852 997.0339 2282.128
21 48,567 971.332 2282.128
22 47,256 945.116 2282.128
23 45,919 918.3758 2282.128
24 44,555 891.1007 2282.128
25 43,164 863.2802 2282.128
26 41,745 834.9032 2282.128
27 40,298 805.9587 2282.128
28 38,822 776.4353 2282.128
29 37,316 746.3214 2282.128
30 35,780 715.6053
31 36,496 729.9174 2282.128
32 34,944 698.8732 2282.128
33 33,360 667.2081 2282.128
34 31,745 634.9097 2282.128
35 30,098 601.9653 2282.128
36 28,418 568.362 2282.128
37 26,704 534.0867 2282.128
38 24,956 499.1259 2282.128
39 23,173 463.4658 2282.128
40 21,355 427.0926 2282.128
41 19,500 389.9918 2282.128
42 17,607 352.1491 2282.128
43 15,677 313.5495 2282.128
44 13,709 274.1779 2282.128
45 11,701 234.0189 2282.128
46 9,653 193.0567 2282.128
47 7,564 151.2753 2282.128
48 5,433 108.6582 2282.128
 Balance

PMT = PV/((1-(1+i)^(-n))/i)
Remaining Liability 3259.441 PMT =

69,118 1
68,218 2
67,300 3
66,364 4
65,409 5
64,435 6
63,442 7
62,429 8
61,395 9
60,341 10
59,266 11
58,169 12
57,050 13
55,909 14
54,745 15
53,558 16
52,347 17
51,112 18
49,852 19
48,567 20
47,256 21
45,919 22
44,555 23
43,164 24
41,745 25
40,298 26
38,822 27
37,316 28
35,780 29
36,496 30
34,944 31
33,360 32
31,745 33
30,098 34
 28,418 35
26,704 36
24,956 37
23,173 38
21,355 39
19,500 40
17,607 41
15,677 42
13,709 43
11,701 44
9,653 45
7,564 46
5,433 47
3,259.441 48

PV at the date of missed p

PV at the date prior to the

Period
PMT

PV prior t

PV at mis

PMT
 70000

PMT = PV/((1-(1+i)^(-n))/i)
2282.128

0.02
70,000 1400 2282.128 69,118
69,118 1382.357 2282.128 68,218
68,218 1364.362 2282.128 67,300
67,300 1346.007 2282.128 66,364
66,364 1327.284 2282.128 65,409
65,409 1308.187 2282.128 64,435
64,435 1288.709 2282.128 63,442
63,442 1268.84 2282.128 62,429
62,429 1248.574 2282.128 61,395
61,395 1227.903 2282.128 60,341
60,341 1206.819 2282.128 59,266
59,266 1185.313 2282.128 58,169
58,169 1163.376 2282.128 57,050
57,050 1141 2282.128 55,909
55,909 1118.179 2282.128 54,745
54,745 1094.9 2282.128 53,558
53,558 1071.155 2282.128 52,347
52,347 1046.936 2282.128 51,112
51,112 1022.232 2282.128 49,852
49,852 997.0339 2282.128 48,567
48,567 971.332 2282.128 47,256
47,256 945.116 2282.128 45,919
45,919 918.3758 2282.128 44,555
44,555 891.1007 2282.128 43,164
43,164 863.2802 2282.128 41,745
41,745 834.9032 2282.128 40,298
40,298 805.9587 2282.128 38,822
38,822 776.4353 2282.128 37,316
37,316 746.3214 2282.128 35,780
35,780 715.6053 36,496
36,496 729.9174 2434.353 34,791
34,791 695.8287 2434.353 33,053
33,053 661.0582 2434.353 31,280
31,280 625.5923 2434.353 29,471
 29,471 589.4171 2434.353 27,626
27,626 552.5184 2434.353 25,744
25,744 514.8817 2434.353 23,825
23,825 476.4923 2434.353 21,867
21,867 437.3351 2434.353 19,870
19,870 397.3947 2434.353 17,833
17,833 356.6555 2434.353 15,755
15,755 315.1016 2434.353 13,636
13,636 272.7166 2434.353 11,474
11,474 229.4838 2434.353 9,269
9,269 185.3865 2434.353 7,020
7,020 140.4071 2434.353 4,726
4,726 94.52823 2434.353 2,387
2,387 47.73173 2434.353 -0.035

PV at the date of missed payment?

PV at the date prior to the missed payment

19
2282.13

35780.29 36495.89

36495.89

2434.353
46 payments 45 years

FVOA 45 payments of ordinary annuity

First payment, use compound amount formula and add this to the FVOA of the

FVAD + LP 45 payments of annuity due

Last payment at gross amount will be added yo the FVAD of the 45 payments
FVAD + LP Pmt*(((1+i)^(45)-1)/i)*(1+i)+Pmt

FVOA 1797262.092
CA 182226.2092
Total 1979488.30

FVAD 1976988.301
Last Pmt 2500
Total 1979488.301

0.1
0 2500 250 2750
2750 2500 525 5775
5775 2500 827.5 9102.5
9102.5 2500 1160.25 12762.75
12762.75 2500 1526.275 16789
16789.025 2500 1928.903 21217.93
21217.9275 2500 2371.793 26089.72
26089.7203 2500 2858.972 31448.69
31448.6923 2500 3394.869 37343.56
37343.5615 2500 3984.356 43827.92
43827.9177 2500 4632.792 50960.71
50960.7094 2500 5346.071 58806.78
58806.7804 2500 6130.678 67437.46
67437.4584 2500 6993.746 76931.2
76931.2042 2500 7943.12 87374.32
87374.3247 2500 8987.432 98861.76
98861.7571 2500 10136.18 111498
111497.933 2500 11399.79 125398
125397.726 2500 12789.77 140687
140687.499 2500 14318.75 157506
157506.249 2500 16000.62 176007
176006.873 2500 17850.69 196358
196357.561 2500 19885.76 218743
218743.317 2500 22124.33 243368
243367.649 2500 24586.76 270454
270454.413 2500 27295.44 300250
300249.855 2500 30275 333025
333024.84 2500 33552.48 369077
369077.324 2500 37157.73 408735
408735.057 2500 41123.51 452359
452358.562 2500 45485.86 500344
500344.419 2500 50284.44 553129
553128.86 2500 55562.89 611192
611191.747 2500 61369.17 675061
675060.921 2500 67756.09 745317
745317.013 2500 74781.7 822599
822598.715 2500 82509.87 907609
907608.586 2500 91010.86 1001119
1001119.44 2500 100362 1103981
1103981.39 2500 110648 1217130
1217129.53 2500 121963 1341592
1341592.48 2500 134409 1478502
1478501.73 2500 148100 1629102
1629101.9 2500 163160 1794762
1794762.09 2500 179726 1976988
1976988.3 2500 1979488
d this to the FVOA of the 45 payments

Nest Egg 1979488.3

AD of the 45 payments
FVAD + LP= Pmt*(((1+i)^(35)-1)/i)*(1+i)+Pmt
FVAD + LP= Pmt*((((1+i)^(35)-1)/i)*(1+i)+1)
Pmt = (FVAD+LP)/((((1+i)^(35)-1)/i)*(1+i)+1)

Pmt 5206.926976
Nest Egg

PMT
Period

FVAD + LP

i
0.15
0.13
0.14
Nest Egg
0.1401
 1979488.3

2500
35

Pmt*(((1+i)^(35)-1)/i)*(1+i)+Pmt

2535864.199 H
1546873.314
1979182.201 L
1979488.3 X
1984081.131
306.0987
556682

0.00055
FVAD 18497
FV of MP 3397.701
0.072
0 2400 172.8 2572.8
2572.8 185.2416 2758.042
2758.042 2400 371.379 5529.421
5529.421 2400 570.9183 8500.339
8500.339 2400 784.8244 11685.16
11685.16 2400 1014.132 15099.3

3397.701
Pmt 50321.16
FV of MP 72608.25
Total 122929

0.13
200,000 50321.16 19458.25 169,137
169,137 21987.82 191,125
191,125 50321.16 18304.49 159,108
159,108 50321.16 14142.32 122,929
122,929 50321.16 72,608

122,929
Pmt 45,000

0.13
200,000 45,000 20150
175,150 45,000 16919.5
147,070 45,000 13269
115,339 45,000 9144.01
79,483 45,000
Balance 200,000
PVAD 178851
21,149
CA 34482.54

175,150
147,070
115,339
79,483
34,483
PVOA 1971408
Drawn 80000
Balance 1891408

Pmt 47971
Original 50000
Adjustment -2029.01
FVOA 327508 11462.77
FVAD 338970
11462.77
 36000

PVAD 32183.73
target

10%
8%
6%
5%
4%
4.28%
4.27%
 12000000 X

9216850.6586
10065122.098
11040130.577
11582602.394 L
12166343.669 H
11998515.64
12004449.52 166344
583741

0.284961
Cash Price 400,000

Installment
DP 40000
Installments 196275 236275
163,725