Should I Pay Points to Lower My Interest Rate?

Input Information

Loan Information
Amount :	($)
Interest Rate :	(%)
Interest Rate with Points :	(%)
Length :	(Yrs)
Additional Information
Points :	(%)
Your Savings Rate :	(%)
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Financial Analysis (Switch to Plain English)

	Without Points (Am. Table)	With Points (Am. Table)
Amount Financed :	$250,000.00	$250,000.00
Monthly Principal & Interests :	$1,357.37	$1,281.61
Monthly Payment Savings :	$75.76
Points Value :	$2,500.00
Monthly Investment Savings :	$10.42
True Monthly Savings :	$65.35
Break Even :	3 Years 3 Months

Plain English Help (Switch to Financial Analysis)

When applying for a mortgage, you will most likely be presented with the option to pay points to lower your interest rate. In order to determine if this investment is worthwhile for you, you will need to know the amount of your loan, the interest rate before the purchase of points, and the interest rate after the purchase of points. You will also need to know the length of the loan and your savings rate. If you are taking out a $250,000.00 loan with an interest rate of 5.100%, you might be able to buy down the interest rate to 4.600% with points. If you are getting a 30 year loan and paying for your points, your monthly payment (principal and interest only) will change from $1,357.37 to $1,281.61. This will give you a savings of $75.76. But, if you put your money in the fund with an average savings rate of 5.000% rather than purchasing points to cut an interest rate of your mortgage loan, you might get $10.42 per month from your investment. When you figure in your investment savings, your true savings will be $65.35 per month. After considering the cost of paying for the points, you will break even after 3 years and 3 months.

Payment Schedule

No	Interests	Principal	Balance
1	1,062.50	294.87	249,705.13
2	1,061.25	296.13	249,409.00
3	1,059.99	297.39	249,111.61
4	1,058.72	298.65	248,812.96
5	1,057.46	299.92	248,513.04
6	1,056.18	301.19	248,211.85
7	1,054.90	302.47	247,909.37
8	1,053.61	303.76	247,605.61
9	1,052.32	305.05	247,300.56
10	1,051.03	306.35	246,994.22
11	1,049.73	307.65	246,686.57
12	1,048.42	308.96	246,377.61
1 Yr	--- 12,666.10	--- 3,622.39
13	1,047.10	310.27	246,067.34
14	1,045.79	311.59	245,755.75
15	1,044.46	312.91	245,442.84
16	1,043.13	314.24	245,128.60
17	1,041.80	315.58	244,813.02
18	1,040.46	316.92	244,496.10
19	1,039.11	318.27	244,177.84
20	1,037.76	319.62	243,858.22
21	1,036.40	320.98	243,537.24
22	1,035.03	322.34	243,214.90
23	1,033.66	323.71	242,891.19
24	1,032.29	325.09	242,566.10
2 Yr	--- 12,476.98	--- 3,811.51
25	1,030.91	326.47	242,239.63
26	1,029.52	327.86	241,911.78
27	1,028.13	329.25	241,582.53
28	1,026.73	330.65	241,251.88
29	1,025.32	332.05	240,919.82
30	1,023.91	333.47	240,586.36
31	1,022.49	334.88	240,251.48
32	1,021.07	336.31	239,915.17
33	1,019.64	337.73	239,577.44
34	1,018.20	339.17	239,238.27
35	1,016.76	340.61	238,897.65
36	1,015.32	342.06	238,555.59
3 Yr	--- 12,277.99	--- 4,010.51
37	1,013.86	343.51	238,212.08
38	1,012.40	344.97	237,867.11
39	1,010.94	346.44	237,520.67
40	1,009.46	347.91	237,172.76
41	1,007.98	349.39	236,823.37
42	1,006.50	350.88	236,472.49
43	1,005.01	352.37	236,120.13
44	1,003.51	353.86	235,766.26
45	1,002.01	355.37	235,410.89
46	1,000.50	356.88	235,054.02
47	998.98	358.39	234,695.62
48	997.46	359.92	234,335.70
4 Yr	--- 12,068.60	--- 4,219.89
49	995.93	361.45	233,974.26
50	994.39	362.98	233,611.27
51	992.85	364.53	233,246.75
52	991.30	366.08	232,880.67
53	989.74	367.63	232,513.04
54	988.18	369.19	232,143.84
55	986.61	370.76	231,773.08
56	985.04	372.34	231,400.74
57	983.45	373.92	231,026.82
58	981.86	375.51	230,651.31
59	980.27	377.11	230,274.20
60	978.67	378.71	229,895.49
5 Yr	--- 11,848.28	--- 4,440.21
61	977.06	380.32	229,515.18
62	975.44	381.93	229,133.24
63	973.82	383.56	228,749.68
64	972.19	385.19	228,364.49
65	970.55	386.83	227,977.67
66	968.91	388.47	227,589.20
67	967.25	390.12	227,199.08
68	965.60	391.78	226,807.30
69	963.93	393.44	226,413.86
70	962.26	395.12	226,018.74
71	960.58	396.79	225,621.95
72	958.89	398.48	225,223.47
6 Yr	--- 11,616.47	--- 4,672.03
73	957.20	400.17	224,823.29
74	955.50	401.88	224,421.42
75	953.79	403.58	224,017.83
76	952.08	405.30	223,612.53
77	950.35	407.02	223,205.51
78	948.62	408.75	222,796.76
79	946.89	410.49	222,386.27
80	945.14	412.23	221,974.04
81	943.39	413.98	221,560.06
82	941.63	415.74	221,144.31
83	939.86	417.51	220,726.80
84	938.09	419.29	220,307.52
7 Yr	--- 11,372.54	--- 4,915.95
85	936.31	421.07	219,886.45
86	934.52	422.86	219,463.59
87	932.72	424.65	219,038.94
88	930.92	426.46	218,612.48
89	929.10	428.27	218,184.21
90	927.28	430.09	217,754.12
91	925.45	431.92	217,322.20
92	923.62	433.76	216,888.44
93	921.78	435.60	216,452.84
94	919.92	437.45	216,015.39
95	918.07	439.31	215,576.08
96	916.20	441.18	215,134.91
8 Yr	--- 11,115.88	--- 5,172.61
97	914.32	443.05	214,691.86
98	912.44	444.93	214,246.92
99	910.55	446.83	213,800.10
100	908.65	448.72	213,351.37
101	906.74	450.63	212,900.74
102	904.83	452.55	212,448.20
103	902.90	454.47	211,993.73
104	900.97	456.40	211,537.32
105	899.03	458.34	211,078.98
106	897.09	460.29	210,618.70
107	895.13	462.24	210,156.45
108	893.16	464.21	209,692.24
9 Yr	--- 10,845.83	--- 5,442.67
109	891.19	466.18	209,226.06
110	889.21	468.16	208,757.89
111	887.22	470.15	208,287.74
112	885.22	472.15	207,815.59
113	883.22	474.16	207,341.43
114	881.20	476.17	206,865.26
115	879.18	478.20	206,387.06
116	877.15	480.23	205,906.83
117	875.10	482.27	205,424.56
118	873.05	484.32	204,940.24
119	871.00	486.38	204,453.86
120	868.93	488.45	203,965.42
10 Yr	--- 10,561.67	--- 5,726.82
121	866.85	490.52	203,474.90
122	864.77	492.61	202,982.29
123	862.67	494.70	202,487.59
124	860.57	496.80	201,990.79
125	858.46	498.91	201,491.87
126	856.34	501.03	200,990.84
127	854.21	503.16	200,487.68
128	852.07	505.30	199,982.38
129	849.93	507.45	199,474.93
130	847.77	509.61	198,965.32
131	845.60	511.77	198,453.55
132	843.43	513.95	197,939.60
11 Yr	--- 10,262.68	--- 6,025.82
133	841.24	516.13	197,423.47
134	839.05	518.32	196,905.15
135	836.85	520.53	196,384.62
136	834.63	522.74	195,861.88
137	832.41	524.96	195,336.92
138	830.18	527.19	194,809.72
139	827.94	529.43	194,280.29
140	825.69	531.68	193,748.61
141	823.43	533.94	193,214.66
142	821.16	536.21	192,678.45
143	818.88	538.49	192,139.96
144	816.59	540.78	191,599.18
12 Yr	--- 9,948.07	--- 6,340.42
145	814.30	543.08	191,056.10
146	811.99	545.39	190,510.72
147	809.67	547.70	189,963.01
148	807.34	550.03	189,412.98
149	805.01	552.37	188,860.61
150	802.66	554.72	188,305.90
151	800.30	557.07	187,748.82
152	797.93	559.44	187,189.38
153	795.55	561.82	186,627.56
154	793.17	564.21	186,063.35
155	790.77	566.61	185,496.75
156	788.36	569.01	184,927.73
13 Yr	--- 9,617.05	--- 6,671.45
157	785.94	571.43	184,356.30
158	783.51	573.86	183,782.44
159	781.08	576.30	183,206.14
160	778.63	578.75	182,627.40
161	776.17	581.21	182,046.19
162	773.70	583.68	181,462.51
163	771.22	586.16	180,876.35
164	768.72	588.65	180,287.70
165	766.22	591.15	179,696.55
166	763.71	593.66	179,102.89
167	761.19	596.19	178,506.70
168	758.65	598.72	177,907.98
14 Yr	--- 9,268.74	--- 7,019.76
169	756.11	601.27	177,306.71
170	753.55	603.82	176,702.89
171	750.99	606.39	176,096.50
172	748.41	608.96	175,487.54
173	745.82	611.55	174,875.99
174	743.22	614.15	174,261.84
175	740.61	616.76	173,645.07
176	737.99	619.38	173,025.69
177	735.36	622.02	172,403.68
178	732.72	624.66	171,779.02
179	730.06	627.31	171,151.70
180	727.39	629.98	170,521.72
15 Yr	--- 8,902.24	--- 7,386.25
181	724.72	632.66	169,889.07
182	722.03	635.35	169,253.72
183	719.33	638.05	168,615.67
184	716.62	640.76	167,974.92
185	713.89	643.48	167,331.44
186	711.16	646.22	166,685.22
187	708.41	648.96	166,036.26
188	705.65	651.72	165,384.54
189	702.88	654.49	164,730.05
190	700.10	657.27	164,072.78
191	697.31	660.07	163,412.71
192	694.50	662.87	162,749.84
16 Yr	--- 8,516.61	--- 7,771.88
193	691.69	665.69	162,084.15
194	688.86	668.52	161,415.64
195	686.02	671.36	160,744.28
196	683.16	674.21	160,070.07
197	680.30	677.08	159,392.99
198	677.42	679.95	158,713.04
199	674.53	682.84	158,030.19
200	671.63	685.75	157,344.44
201	668.71	688.66	156,655.78
202	665.79	691.59	155,964.20
203	662.85	694.53	155,269.67
204	659.90	697.48	154,572.19
17 Yr	--- 8,110.85	--- 8,177.65
205	656.93	700.44	153,871.75
206	653.95	703.42	153,168.33
207	650.97	706.41	152,461.92
208	647.96	709.41	151,752.51
209	644.95	712.43	151,040.08
210	641.92	715.45	150,324.63
211	638.88	718.49	149,606.13
212	635.83	721.55	148,884.59
213	632.76	724.61	148,159.97
214	629.68	727.69	147,432.28
215	626.59	730.79	146,701.49
216	623.48	733.89	145,967.60
18 Yr	--- 7,683.90	--- 8,604.60
217	620.36	737.01	145,230.58
218	617.23	740.14	144,490.44
219	614.08	743.29	143,747.15
220	610.93	746.45	143,000.70
221	607.75	749.62	142,251.08
222	604.57	752.81	141,498.27
223	601.37	756.01	140,742.27
224	598.15	759.22	139,983.05
225	594.93	762.45	139,220.60
226	591.69	765.69	138,454.91
227	588.43	768.94	137,685.97
228	585.17	772.21	136,913.76
19 Yr	--- 7,234.66	--- 9,053.83
229	581.88	775.49	136,138.27
230	578.59	778.79	135,359.48
231	575.28	782.10	134,577.39
232	571.95	785.42	133,791.97
233	568.62	788.76	133,003.21
234	565.26	792.11	132,211.10
235	561.90	795.48	131,415.62
236	558.52	798.86	130,616.76
237	555.12	802.25	129,814.51
238	551.71	805.66	129,008.85
239	548.29	809.09	128,199.76
240	544.85	812.53	127,387.23
20 Yr	--- 6,761.97	--- 9,526.53
241	541.40	815.98	126,571.26
242	537.93	819.45	125,751.81
243	534.45	822.93	124,928.88
244	530.95	826.43	124,102.45
245	527.44	829.94	123,272.51
246	523.91	833.47	122,439.05
247	520.37	837.01	121,602.04
248	516.81	840.57	120,761.47
249	513.24	844.14	119,917.34
250	509.65	847.73	119,069.61
251	506.05	851.33	118,218.28
252	502.43	854.95	117,363.33
21 Yr	--- 6,264.59	--- 10,023.90
253	498.79	858.58	116,504.75
254	495.15	862.23	115,642.52
255	491.48	865.89	114,776.63
256	487.80	869.57	113,907.06
257	484.10	873.27	113,033.79
258	480.39	876.98	112,156.81
259	476.67	880.71	111,276.10
260	472.92	884.45	110,391.65
261	469.16	888.21	109,503.44
262	465.39	891.98	108,611.45
263	461.60	895.78	107,715.68
264	457.79	899.58	106,816.09
22 Yr	--- 5,741.25	--- 10,547.24
265	453.97	903.41	105,912.69
266	450.13	907.25	105,005.44
267	446.27	911.10	104,094.34
268	442.40	914.97	103,179.37
269	438.51	918.86	102,260.51
270	434.61	922.77	101,337.74
271	430.69	926.69	100,411.05
272	426.75	930.63	99,480.42
273	422.79	934.58	98,545.84
274	418.82	938.55	97,607.28
275	414.83	942.54	96,664.74
276	410.83	946.55	95,718.19
23 Yr	--- 5,190.59	--- 11,097.90
277	406.80	950.57	94,767.62
278	402.76	954.61	93,813.01
279	398.71	958.67	92,854.34
280	394.63	962.74	91,891.60
281	390.54	966.84	90,924.76
282	386.43	970.94	89,953.82
283	382.30	975.07	88,978.75
284	378.16	979.21	87,999.53
285	374.00	983.38	87,016.15
286	369.82	987.56	86,028.60
287	365.62	991.75	85,036.85
288	361.41	995.97	84,040.88
24 Yr	--- 4,611.18	--- 11,677.31
289	357.17	1,000.20	83,040.68
290	352.92	1,004.45	82,036.23
291	348.65	1,008.72	81,027.50
292	344.37	1,013.01	80,014.50
293	340.06	1,017.31	78,997.18
294	335.74	1,021.64	77,975.55
295	331.40	1,025.98	76,949.57
296	327.04	1,030.34	75,919.23
297	322.66	1,034.72	74,884.51
298	318.26	1,039.12	73,845.40
299	313.84	1,043.53	72,801.87
300	309.41	1,047.97	71,753.90
25 Yr	--- 4,001.52	--- 12,286.98
301	304.95	1,052.42	70,701.48
302	300.48	1,056.89	69,644.59
303	295.99	1,061.38	68,583.20
304	291.48	1,065.90	67,517.31
305	286.95	1,070.43	66,446.88
306	282.40	1,074.98	65,371.90
307	277.83	1,079.54	64,292.36
308	273.24	1,084.13	63,208.23
309	268.63	1,088.74	62,119.49
310	264.01	1,093.37	61,026.12
311	259.36	1,098.01	59,928.11
312	254.69	1,102.68	58,825.43
26 Yr	--- 3,360.02	--- 12,928.47
313	250.01	1,107.37	57,718.06
314	245.30	1,112.07	56,605.99
315	240.58	1,116.80	55,489.19
316	235.83	1,121.55	54,367.65
317	231.06	1,126.31	53,241.33
318	226.28	1,131.10	52,110.24
319	221.47	1,135.91	50,974.33
320	216.64	1,140.73	49,833.60
321	211.79	1,145.58	48,688.01
322	206.92	1,150.45	47,537.56
323	202.03	1,155.34	46,382.22
324	197.12	1,160.25	45,221.97
27 Yr	--- 2,685.04	--- 13,603.46
325	192.19	1,165.18	44,056.79
326	187.24	1,170.13	42,886.66
327	182.27	1,175.11	41,711.55
328	177.27	1,180.10	40,531.45
329	172.26	1,185.12	39,346.34
330	167.22	1,190.15	38,156.19
331	162.16	1,195.21	36,960.97
332	157.08	1,200.29	35,760.68
333	151.98	1,205.39	34,555.29
334	146.86	1,210.51	33,344.78
335	141.72	1,215.66	32,129.12
336	136.55	1,220.83	30,908.29
28 Yr	--- 1,974.81	--- 14,313.68
337	131.36	1,226.01	29,682.28
338	126.15	1,231.22	28,451.05
339	120.92	1,236.46	27,214.60
340	115.66	1,241.71	25,972.88
341	110.38	1,246.99	24,725.90
342	105.09	1,252.29	23,473.61
343	99.76	1,257.61	22,215.99
344	94.42	1,262.96	20,953.04
345	89.05	1,268.32	19,684.71
346	83.66	1,273.71	18,411.00
347	78.25	1,279.13	17,131.87
348	72.81	1,284.56	15,847.31
29 Yr	--- 1,227.51	--- 15,060.99
349	67.35	1,290.02	14,557.28
350	61.87	1,295.51	13,261.78
351	56.36	1,301.01	11,960.77
352	50.83	1,306.54	10,654.23
353	45.28	1,312.09	9,342.13
354	39.70	1,317.67	8,024.46
355	34.10	1,323.27	6,701.19
356	28.48	1,328.89	5,372.30
357	22.83	1,334.54	4,037.75
358	17.16	1,340.21	2,697.54
359	11.46	1,345.91	1,351.63
360	5.74	1,351.63	0.00
30 Yr	--- 441.19	--- 15,847.31
	Interests	Principal
Total	238,654.80	250,000.00	0.00

Payment Schedule for Loan with Points

No	Interests	Principal	Balance
1	958.33	323.28	249,676.72
2	957.09	324.52	249,352.21
3	955.85	325.76	249,026.44
4	954.60	327.01	248,699.44
5	953.35	328.26	248,371.17
6	952.09	329.52	248,041.65
7	950.83	330.78	247,710.87
8	949.56	332.05	247,378.81
9	948.29	333.33	247,045.49
10	947.01	334.60	246,710.88
11	945.73	335.89	246,375.00
12	944.44	337.17	246,037.83
1 Yr	--- 11,417.16	--- 3,962.17
13	943.14	338.47	245,699.36
14	941.85	339.76	245,359.60
15	940.55	341.07	245,018.53
16	939.24	342.37	244,676.16
17	937.93	343.69	244,332.47
18	936.61	345.00	243,987.47
19	935.29	346.33	243,641.14
20	933.96	347.65	243,293.49
21	932.63	348.99	242,944.50
22	931.29	350.32	242,594.18
23	929.94	351.67	242,242.51
24	928.60	353.01	241,889.50
2 Yr	--- 11,231.00	--- 4,148.33
25	927.24	354.37	241,535.13
26	925.88	355.73	241,179.40
27	924.52	357.09	240,822.31
28	923.15	358.46	240,463.86
29	921.78	359.83	240,104.02
30	920.40	361.21	239,742.81
31	919.01	362.60	239,380.21
32	917.62	363.99	239,016.23
33	916.23	365.38	238,650.85
34	914.83	366.78	238,284.06
35	913.42	368.19	237,915.87
36	912.01	369.60	237,546.27
3 Yr	--- 11,036.11	--- 4,343.22
37	910.59	371.02	237,175.26
38	909.17	372.44	236,802.82
39	907.74	373.87	236,428.95
40	906.31	375.30	236,053.65
41	904.87	376.74	235,676.91
42	903.43	378.18	235,298.73
43	901.98	379.63	234,919.10
44	900.52	381.09	234,538.01
45	899.06	382.55	234,155.46
46	897.60	384.01	233,771.45
47	896.12	385.49	233,385.96
48	894.65	386.96	232,998.99
4 Yr	--- 10,832.05	--- 4,547.28
49	893.16	388.45	232,610.55
50	891.67	389.94	232,220.61
51	890.18	391.43	231,829.18
52	888.68	392.93	231,436.25
53	887.17	394.44	231,041.81
54	885.66	395.95	230,645.86
55	884.14	397.47	230,248.39
56	882.62	398.99	229,849.40
57	881.09	400.52	229,448.87
58	879.55	402.06	229,046.82
59	878.01	403.60	228,643.22
60	876.47	405.15	228,238.07
5 Yr	--- 10,618.41	--- 4,760.92
61	874.91	406.70	227,831.38
62	873.35	408.26	227,423.12
63	871.79	409.82	227,013.30
64	870.22	411.39	226,601.90
65	868.64	412.97	226,188.93
66	867.06	414.55	225,774.38
67	865.47	416.14	225,358.24
68	863.87	417.74	224,940.50
69	862.27	419.34	224,521.16
70	860.66	420.95	224,100.21
71	859.05	422.56	223,677.65
72	857.43	424.18	223,253.47
6 Yr	--- 10,394.73	--- 4,984.60
73	855.80	425.81	222,827.67
74	854.17	427.44	222,400.23
75	852.53	429.08	221,971.15
76	850.89	430.72	221,540.43
77	849.24	432.37	221,108.06
78	847.58	434.03	220,674.03
79	845.92	435.69	220,238.33
80	844.25	437.36	219,800.97
81	842.57	439.04	219,361.93
82	840.89	440.72	218,921.21
83	839.20	442.41	218,478.79
84	837.50	444.11	218,034.68
7 Yr	--- 10,160.54	--- 5,218.79
85	835.80	445.81	217,588.87
86	834.09	447.52	217,141.35
87	832.38	449.24	216,692.12
88	830.65	450.96	216,241.16
89	828.92	452.69	215,788.47
90	827.19	454.42	215,334.05
91	825.45	456.16	214,877.89
92	823.70	457.91	214,419.97
93	821.94	459.67	213,960.31
94	820.18	461.43	213,498.88
95	818.41	463.20	213,035.68
96	816.64	464.97	212,570.70
8 Yr	--- 9,915.35	--- 5,463.98
97	814.85	466.76	212,103.95
98	813.07	468.55	211,635.40
99	811.27	470.34	211,165.06
100	809.47	472.14	210,692.92
101	807.66	473.95	210,218.96
102	805.84	475.77	209,743.19
103	804.02	477.60	209,265.59
104	802.18	479.43	208,786.17
105	800.35	481.26	208,304.90
106	798.50	483.11	207,821.80
107	796.65	484.96	207,336.83
108	794.79	486.82	206,850.01
9 Yr	--- 9,658.64	--- 5,720.69
109	792.93	488.69	206,361.33
110	791.05	490.56	205,870.77
111	789.17	492.44	205,378.33
112	787.28	494.33	204,884.00
113	785.39	496.22	204,387.78
114	783.49	498.12	203,889.66
115	781.58	500.03	203,389.62
116	779.66	501.95	202,887.67
117	777.74	503.87	202,383.80
118	775.80	505.81	201,877.99
119	773.87	507.75	201,370.24
120	771.92	509.69	200,860.55
10 Yr	--- 9,389.87	--- 5,989.46
121	769.97	511.65	200,348.91
122	768.00	513.61	199,835.30
123	766.04	515.58	199,319.73
124	764.06	517.55	198,802.17
125	762.07	519.54	198,282.64
126	760.08	521.53	197,761.11
127	758.08	523.53	197,237.58
128	756.08	525.53	196,712.05
129	754.06	527.55	196,184.50
130	752.04	529.57	195,654.93
131	750.01	531.60	195,123.33
132	747.97	533.64	194,589.69
11 Yr	--- 9,108.47	--- 6,270.86
133	745.93	535.68	194,054.01
134	743.87	537.74	193,516.27
135	741.81	539.80	192,976.47
136	739.74	541.87	192,434.61
137	737.67	543.94	191,890.66
138	735.58	546.03	191,344.63
139	733.49	548.12	190,796.51
140	731.39	550.22	190,246.28
141	729.28	552.33	189,693.95
142	727.16	554.45	189,139.50
143	725.03	556.58	188,582.92
144	722.90	558.71	188,024.21
12 Yr	--- 8,813.85	--- 6,565.48
145	720.76	560.85	187,463.36
146	718.61	563.00	186,900.36
147	716.45	565.16	186,335.20
148	714.28	567.33	185,767.87
149	712.11	569.50	185,198.37
150	709.93	571.68	184,626.69
151	707.74	573.88	184,052.81
152	705.54	576.08	183,476.74
153	703.33	578.28	182,898.46
154	701.11	580.50	182,317.96
155	698.89	582.73	181,735.23
156	696.65	584.96	181,150.27
13 Yr	--- 8,505.39	--- 6,873.94
157	694.41	587.20	180,563.07
158	692.16	589.45	179,973.62
159	689.90	591.71	179,381.91
160	687.63	593.98	178,787.93
161	685.35	596.26	178,191.67
162	683.07	598.54	177,593.13
163	680.77	600.84	176,992.29
164	678.47	603.14	176,389.15
165	676.16	605.45	175,783.69
166	673.84	607.77	175,175.92
167	671.51	610.10	174,565.82
168	669.17	612.44	173,953.38
14 Yr	--- 8,182.44	--- 7,196.90
169	666.82	614.79	173,338.59
170	664.46	617.15	172,721.44
171	662.10	619.51	172,101.93
172	659.72	621.89	171,480.04
173	657.34	624.27	170,855.77
174	654.95	626.66	170,229.11
175	652.54	629.07	169,600.04
176	650.13	631.48	168,968.56
177	647.71	633.90	168,334.67
178	645.28	636.33	167,698.34
179	642.84	638.77	167,059.57
180	640.40	641.22	166,418.35
15 Yr	--- 7,844.31	--- 7,535.02
181	637.94	643.67	165,774.68
182	635.47	646.14	165,128.54
183	632.99	648.62	164,479.92
184	630.51	651.10	163,828.82
185	628.01	653.60	163,175.22
186	625.50	656.11	162,519.11
187	622.99	658.62	161,860.49
188	620.47	661.15	161,199.34
189	617.93	663.68	160,535.66
190	615.39	666.22	159,869.44
191	612.83	668.78	159,200.66
192	610.27	671.34	158,529.32
16 Yr	--- 7,490.30	--- 7,889.04
193	607.70	673.92	157,855.40
194	605.11	676.50	157,178.90
195	602.52	679.09	156,499.81
196	599.92	681.69	155,818.12
197	597.30	684.31	155,133.81
198	594.68	686.93	154,446.88
199	592.05	689.56	153,757.31
200	589.40	692.21	153,065.11
201	586.75	694.86	152,370.24
202	584.09	697.52	151,672.72
203	581.41	700.20	150,972.52
204	578.73	702.88	150,269.64
17 Yr	--- 7,119.65	--- 8,259.68
205	576.03	705.58	149,564.06
206	573.33	708.28	148,855.78
207	570.61	711.00	148,144.78
208	567.89	713.72	147,431.06
209	565.15	716.46	146,714.60
210	562.41	719.20	145,995.40
211	559.65	721.96	145,273.43
212	556.88	724.73	144,548.70
213	554.10	727.51	143,821.20
214	551.31	730.30	143,090.90
215	548.52	733.10	142,357.80
216	545.70	735.91	141,621.90
18 Yr	--- 6,731.59	--- 8,647.74
217	542.88	738.73	140,883.17
218	540.05	741.56	140,141.61
219	537.21	744.40	139,397.21
220	534.36	747.25	138,649.96
221	531.49	750.12	137,899.84
222	528.62	752.99	137,146.84
223	525.73	755.88	136,390.96
224	522.83	758.78	135,632.18
225	519.92	761.69	134,870.49
226	517.00	764.61	134,105.89
227	514.07	767.54	133,338.35
228	511.13	770.48	132,567.87
19 Yr	--- 6,325.30	--- 9,054.03
229	508.18	773.43	131,794.43
230	505.21	776.40	131,018.04
231	502.24	779.38	130,238.66
232	499.25	782.36	129,456.30
233	496.25	785.36	128,670.94
234	493.24	788.37	127,882.56
235	490.22	791.39	127,091.17
236	487.18	794.43	126,296.74
237	484.14	797.47	125,499.27
238	481.08	800.53	124,698.74
239	478.01	803.60	123,895.14
240	474.93	806.68	123,088.46
20 Yr	--- 5,899.92	--- 9,479.41
241	471.84	809.77	122,278.69
242	468.73	812.88	121,465.81
243	465.62	815.99	120,649.82
244	462.49	819.12	119,830.70
245	459.35	822.26	119,008.44
246	456.20	825.41	118,183.03
247	453.03	828.58	117,354.45
248	449.86	831.75	116,522.70
249	446.67	834.94	115,687.76
250	443.47	838.14	114,849.62
251	440.26	841.35	114,008.26
252	437.03	844.58	113,163.68
21 Yr	--- 5,454.56	--- 9,924.77
253	433.79	847.82	112,315.87
254	430.54	851.07	111,464.80
255	427.28	854.33	110,610.47
256	424.01	857.60	109,752.87
257	420.72	860.89	108,891.98
258	417.42	864.19	108,027.78
259	414.11	867.50	107,160.28
260	410.78	870.83	106,289.45
261	407.44	874.17	105,415.28
262	404.09	877.52	104,537.76
263	400.73	880.88	103,656.88
264	397.35	884.26	102,772.62
22 Yr	--- 4,988.27	--- 10,391.06
265	393.96	887.65	101,884.97
266	390.56	891.05	100,993.92
267	387.14	894.47	100,099.45
268	383.71	897.90	99,201.55
269	380.27	901.34	98,300.22
270	376.82	904.79	97,395.42
271	373.35	908.26	96,487.16
272	369.87	911.74	95,575.42
273	366.37	915.24	94,660.18
274	362.86	918.75	93,741.43
275	359.34	922.27	92,819.16
276	355.81	925.80	91,893.36
23 Yr	--- 4,500.07	--- 10,879.26
277	352.26	929.35	90,964.01
278	348.70	932.92	90,031.09
279	345.12	936.49	89,094.60
280	341.53	940.08	88,154.52
281	337.93	943.69	87,210.83
282	334.31	947.30	86,263.53
283	330.68	950.93	85,312.60
284	327.03	954.58	84,358.02
285	323.37	958.24	83,399.78
286	319.70	961.91	82,437.87
287	316.01	965.60	81,472.27
288	312.31	969.30	80,502.97
24 Yr	--- 3,988.94	--- 11,390.39
289	308.59	973.02	79,529.95
290	304.86	976.75	78,553.20
291	301.12	980.49	77,572.71
292	297.36	984.25	76,588.46
293	293.59	988.02	75,600.44
294	289.80	991.81	74,608.63
295	286.00	995.61	73,613.02
296	282.18	999.43	72,613.59
297	278.35	1,003.26	71,610.34
298	274.51	1,007.10	70,603.23
299	270.65	1,010.97	69,592.27
300	266.77	1,014.84	68,577.43
25 Yr	--- 3,453.79	--- 11,925.54
301	262.88	1,018.73	67,558.69
302	258.97	1,022.64	66,536.06
303	255.05	1,026.56	65,509.50
304	251.12	1,030.49	64,479.01
305	247.17	1,034.44	63,444.57
306	243.20	1,038.41	62,406.16
307	239.22	1,042.39	61,363.78
308	235.23	1,046.38	60,317.39
309	231.22	1,050.39	59,267.00
310	227.19	1,054.42	58,212.58
311	223.15	1,058.46	57,154.12
312	219.09	1,062.52	56,091.60
26 Yr	--- 2,893.50	--- 12,485.83
313	215.02	1,066.59	55,025.00
314	210.93	1,070.68	53,954.32
315	206.82	1,074.79	52,879.53
316	202.70	1,078.91	51,800.63
317	198.57	1,083.04	50,717.59
318	194.42	1,087.19	49,630.39
319	190.25	1,091.36	48,539.03
320	186.07	1,095.54	47,443.49
321	181.87	1,099.74	46,343.74
322	177.65	1,103.96	45,239.78
323	173.42	1,108.19	44,131.59
324	169.17	1,112.44	43,019.15
27 Yr	--- 2,306.89	--- 13,072.44
325	164.91	1,116.70	41,902.45
326	160.63	1,120.98	40,781.46
327	156.33	1,125.28	39,656.18
328	152.02	1,129.60	38,526.58
329	147.69	1,133.93	37,392.66
330	143.34	1,138.27	36,254.39
331	138.98	1,142.64	35,111.75
332	134.60	1,147.02	33,964.74
333	130.20	1,151.41	32,813.32
334	125.78	1,155.83	31,657.50
335	121.35	1,160.26	30,497.24
336	116.91	1,164.70	29,332.53
28 Yr	--- 1,692.71	--- 13,686.62
337	112.44	1,169.17	28,163.36
338	107.96	1,173.65	26,989.71
339	103.46	1,178.15	25,811.56
340	98.94	1,182.67	24,628.90
341	94.41	1,187.20	23,441.70
342	89.86	1,191.75	22,249.94
343	85.29	1,196.32	21,053.63
344	80.71	1,200.91	19,852.72
345	76.10	1,205.51	18,647.21
346	71.48	1,210.13	17,437.08
347	66.84	1,214.77	16,222.31
348	62.19	1,219.43	15,002.89
29 Yr	--- 1,049.68	--- 14,329.65
349	57.51	1,224.10	13,778.79
350	52.82	1,228.79	12,549.99
351	48.11	1,233.50	11,316.49
352	43.38	1,238.23	10,078.26
353	38.63	1,242.98	8,835.28
354	33.87	1,247.74	7,587.54
355	29.09	1,252.53	6,335.02
356	24.28	1,257.33	5,077.69
357	19.46	1,262.15	3,815.54
358	14.63	1,266.98	2,548.56
359	9.77	1,271.84	1,276.72
360	4.89	1,276.72	0.00
30 Yr	--- 376.44	--- 15,002.89
	Interests	Principal
Total	461,375.04	250,000.00	0.00

DISCLAIMER: There is NO WARRANTY, expressed or implied, for the accuracy of this information or it's applicability to your financial situation. Please consult your own financial advisor.