Get documents about "Beef Budget
Document Sample
This template is a before and after comparison of installing pivots and/or moving towards an in house
farming operation. The transition will likely take several years to accomplish, if stand establishment
occurs at 200 acres per year. The transition period is not analyzed in this template. This template also
does not consider any tax consequences of equipment purchases. Benefits of tax deductions against other
revenue may lower costs estimated here.
Note: This spreadsheet uses the Outlining Feature in Excel. (See Top Edge) Click the number rows or
the + or - signs in the Outlining Bar (top edge) to expand/contract sections of this spreadsheet. This sheet
is not protected as the Outlining feature will not work, if the worksheet is protected. Be careful not to
overwrite a formula during data entry.
Pivot Analysis
New Acres in Years in Annual Acres in
Pivot This Rotation First Year New Stand
Y or N Location Field This Field Tear Out Establishment
Pivot Location Name on Ranch Here
Entering an n Pivot -- 285 acres 270 7 0 0
N in any n Pivot -- 165 acres 165 7 0 0
row will N Other 0 0 0 0
zero out that N Other 0 0 0 0
row. N Other 0 0 0 0
Y or N are Location Name on Ranch Here
not case N Other 0 0 0 0
sensative N Other 0 0 0 0
entries. N Other 0 0 0 0
N Other 0 0 0 0
N Other 0 0 0 0
Location Name on Ranch Here
N Other 0 0 0 0
N Other 0 0 0 0
N Other 0 0 0 0
N Other 0 0 0 0
N Other 0 0 0 0
N Other 0 0 0 0
N Other 0 0 0 0
Location Name on Ranch Here
N Description 0 0 0 0
N Description 0 0 0 0
N Description 0 0 0 0
N Description 0 0 0 0
N Description 0 0 0 0
N Description 0 0 0 0
N Description 0 0 0 0
N Description 0 0 0 0
N Rotation Acres 1st yr 0 0 0 0
N Rot. Acres Yr 2 & 3 0 0 0 0
N Unproductive Ground 0 0
Totals for selected columns>> 435 0 0
Estimated Average Tons of Hay Required for 2
Farming Active (Y or N) Y
Addition of One Employee and Purchase of Equipment to Farm
Purchased Horse Repair Total Hours Total Annual
Y or N Item Description Power Factor Useful Life Hours Used
y Tractor 150 0.8 12,000 400
Y Moldboard Plow 0 0.8 2,500 60
Y Tandem Disk 0 0.75 2,500 260
Y Roller Harrow 0 0.75 2,500 40
Y Grain Drill 0 0.75 1,200 80
Y Weed Sprayer 0 0.5 2,000 50
Y Chisel Plow 0 0.75 2,500 100
Y Tractor Loader 0 0.5 2,000 75
Y Other 0 0 0 0
Y Other 0 0 0 0
Y Other 0 0 0 0
Y Other 0 0 0 0
Totals for selected columns>>
Revenue from all rotation crops planted prior to stand establishment
Average Yield Average Expected
across all fields Yield Number Acres Price
for rotation crop: Bu. Per Acre Per Year $$ per Bu.
Malt Barley 80 400 $3.00
Other Crop #1 0 0 $0.00
Other Crop #2 0 0 $0.00
Total Revenue All Rotations Crops
Potential Revenue from Sale of Excess Hay Production
Total potential revenu from excess hay and rotation crop sales
Custom Farming
Costs by Rotation Crop: Include all inputs (seed, Operating
fertilizer, chemical, etc.) Input Cost
Machinery costs included below, not here. Per Acre
Yield Acres By Crop
Malt Barley 80 400 $30.00
Other Crop #1 0 0 $0.00
Other Crop #2 0 0 $0.00
Subtotal: Operating Input Costs for ALL Rotation Crops
Custom charge for ALL machinery operations, including harvest
Total Operating (Variable Costs) for All Rotation Crops
Total Costs per acre for rotation crop (excludes alfalfa establishment year)
Own Farming Equipment
Costs by Rotation Crop: Include all inputs (seed, Operating
fertilizer, chemical, etc.) Input Cost
Machinery costs included below, not here. Per Acre
Yield Acres By Crop
Malt Barley 80 400 $30.00
Other Crop #1 0 0 $0.00
Other Crop #2 0 0 $0.00
Subtotal: Operating Input Costs for ALL Rotation Crops
Total Annual Operating Cost for Machinery
Custom charges for other operations (harvest & hauling)
Annual costs of new hired labor dedicated to farming activity
Subtotal Operating (Variable Costs) for All Rotation Crops
Average Operating Costs Per Acre
Total Annual Ownership Cost for Machinery
Average Ownership Costs Per Acre For Rotation Crops
Total All Costs (Operating + Ownership) for All Rotation Crops
Avg. Operating and Ownership Costs Per Acre For Rotation Crops
Owned Versus Custom Farming Cost Comparison
Custom Farmed
Operating Inputs (Equip. + Seed, Fert. Etc.) $32,000
Machinery Operating Expenses
Subtotal: Operating Expenses $32,000
Ownership Costs
Machinery Ownership Costs $0
Total Costs for Operating and Ownership $32,000
wards an in house Local Mill Levee 0
nd establishment Taxable Value Rate 0
This template also Insurance Costs Per Thousand $0.30
ductions against other Expected Price of Diesel ($/gallon) $2.25
Total Hay Producing Acres 1,400
Custom Rate OR Cash Costs Per Ton (Swath, Bale, Stack) $25.00
the number rows or Labor allocation Factor after Pivot installation 20%
preadsheet. This sheet
Be careful not to
Expected Expected
Yield Production Yield Production
Acres in Current Per Acre This Field Per Acre This Field
Annual Hay Forage Tons Current Tons Total Pivot
Production Type Before Pivot Operation After Pivot Tons Costs
270 Alf Grass 1.06 287 4 287 $133,875
165 Alf Grass 1.06 175 4 175 $148,341
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
Subtotal 461 461
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
Subtotal 0 0
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
Subtotal 0 0
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
0 Alf Grass 0 0 0 0 $0
Subtotal 0 0
435 461 461 $0
age Tons of Hay Required for 2000 head cow herd (cows, bulls, replacements, horses) 2,700 Total Possible
Possible Tons of Hay Available for Sale 0 Pivot Purchase
Estimated Net Price Per Ton for Excess Hay $70 Costs
Estimated Revenue From Excess Hay Sales $0 $282,216
Expected
ipment to Farm Years Life
10
Total Annual Purchase Annual Opportunity
Acres Used Price Depreciation Costs Taxes Insurance
1,200 $100,358 $10,036 $2,509 $0 $151
200 $8,500 $850 $213 $0 $13
1,200 $38,628 $3,863 $966 $0 $58
400 $18,098 $1,810 $452 $0 $27
400 $17,651 $1,765 $441 $0 $26
800 $3,800 $380 $95 $0 $6
400 $10,228 $1,023 $256 $0 $15
20,000 $13,333 $1,333 $333 $0 $20
0 $0 $0 $0 $0 $0
0 $0 $0 $0 $0 $0
0 $0 $0 $0 $0 $0
0 $0 $0 $0 $0 $0
$210,596 $21,060 $5,265 $0 $316
and establishment
Total
Revenue
by Crop
$96,000
$0
$0
$96,000
$0
$96,000
Total
Operating
Input by
Crop
$12,000
$0
$0
$12,000
$20,000
$32,000
$80
Total
Operating
Input by
Crop
$12,000
$0
$0
$12,000
$13,496
$8,000
$50,000
$83,496
$208.74
$26,640
$66.60
$110,137
$275.34
mparison
Owned Equipment
$20,000
$13,496
$33,496
$110,137
$143,633
Cost calculations for the addition of pivots on specific fields. These calculations do not include current production costs such as
Pivot Ownership Costs Per Year Pivot Operating Costs
Expected Opp. Cost % List Price
Years Life on Avg. Invest. Total Energy 1.00%
20 5.00% Ownership Electricity Repair
Depreciation Opportunity Cost Plus Hookup and
Per Year Costs Taxes Insurance Per Year or Fuel & Lubs Maintenance
$0 $0 $0 $0 $0 $5,900 $0
$0 $0 $0 $0 $0 $4,452 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $10,352 $0
Total Total Total
Ownership Repair Operating Cost Ownership Operating
Cost Energy and Costs Ownership Costs Per Cost Per
Per Year Fuel & Lubs Maintenance Per Year + Operating Hour Used Hour Used
$12,695 $5,940 $2,676 $8,616 $21,312 $31.74 $21.54
$1,075 $0 $163 $163 $1,238 $17.92 $2.72
$4,886 $0 $3,013 $3,013 $7,899 $18.79 $11.59
$2,289 $0 $217 $217 $2,507 $57.23 $5.43
$2,233 $0 $883 $883 $3,115 $27.91 $11.03
$481 $0 $48 $48 $528 $9.61 $0.95
$1,294 $0 $307 $307 $1,601 $12.94 $3.07
$1,687 $0 $250 $250 $1,937 $22.49 $3.33
$0 $0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0 $0.00 $0.00
$26,640 $5,940 $7,556 $13,496 $40,137
Labor
Fuel
Maintenance
Fertilizer
Seed
Custom Hire
Chemicals
Equipment Rental
Utilities
e current production costs such as fertilizer, etc.
Added Costs Due to Pivot Installation
Total Total Cost Total Cash Cash
Operating Total Cost Per Ton Costs By Costs By Allocate Labor
Costs Ownership By Field Field and Field (Y or N)
Per Year + Operating & Operation Operation Per Ton n Fuel
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
$0 $0 $0.00 $0 $0.00 $0 $0
Total Total Expected
Cost Per Cost Per Life in
Hour Used Acre Used Years
$53.28 $17.76 30.0
$20.64 $6.19 41.7
$30.38 $6.58 9.6
$62.66 $6.27 62.5
$38.94 $7.79 15.0
$10.56 $0.66 40.0
$16.01 $4.00 25.0
$25.82 $0.10 26.7
$0.00 $0.00 0.0
$0.00 $0.00 0.0
$0.00 $0.00 0.0
$0.00 $0.00 0.0
Average
I have used information provided
2003 2004 Avg. 03-04 Per Acre individual fields based on average
$0 $0.00 be adjusted using your knowledge
$0 $0.00 allocations for expenses (maintena
$0 $0.00 the pivot system for that field.
$0 $0.00
$0 $0.00 Estimated costs that are based on
$0 $0.00 allocations include subtracting out
allocating the remainder on a per a
$0 $0.00
new expected yields, @ $32/ton.
quipment Rental $0 $0.00
$0 $0.00
$0 $0 $0
Expected Average Production Expenses by Field Befor
Cash Costs by Field, Enter only those costs that are cash (out of pocket) expenses
Custom
Hire - NOT Equipment
Maintenance Fertilizer Seed Harvest Chemicals Rental Utilities
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 0 $0 $0 $0 $0
$0 $0 0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
Actual Avg. Allocated Difference
Labor $0 $0 $0
<< This table compares the alloca
Fuel $0 $0 $0 expenses provided by Todd in a s
Maintenance $0 $0 $0 allocations were, for the most part
Allocating costs based on average
Fertilizer $0 $0 $0
variation in fields and hence is inh
Seed $0 $0 $0 the best I can do. Note that two e
Custom Hire $0 $0 $0 allocated across all fields. These w
allocation, based on averages is $
Chemicals $0 $0 $0
reported for 2003 and 2004.
Equipment Rental $0 $0 $0
Utilities $0 $0 $0
$0 $0 $0
e used information provided about other production expenses, listed at left, to make some allocations to
vidual fields based on average costs per acre. These allocations are for demonstration purposes only and should
djusted using your knowledge about production inputs and practices on individual fields. I have not made
ations for expenses (maintenance and utilities) that, based on my knowledge, are included in costs estimates of
ivot system for that field.
mated costs that are based on a per ton yield estimate (per ton haying costs) should be reflected below. My
ations include subtracting out custom haying expense @ $32/ton from the Custom Hire listed at left and
ating the remainder on a per acre basis and then including a separate column for custom haying based on the
expected yields, @ $32/ton.
ction Expenses by Field Before Pivot Installation.
cash (out of pocket) expenses NonCash Cost by Field
Annual
Swath, Bale Establishment
and Stack Costs Other Other Other Other Depreciation
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0
< This table compares the allocations I have made for the operating
penses provided by Todd in a summary format to specific fields. These
ocations were, for the most part based on per acre average costs.
locating costs based on average costs per acre does not account for the
riation in fields and hence is inherently wrong. With detailed information, it is
e best I can do. Note that two expenses, Seed and Utilities were not
ocated across all fields. These were allocated to the Marcot fields. My
ocation, based on averages is $15,282 higher than the average expenses
ported for 2003 and 2004.
and should
estimates of
sed on the
NonCash Cost by Field Before Pivot
Total Per Ton
Opportunity Other Cash Plus Cash Plus
Costs NonCash Cash Costs NonCash Cost Cash Cost NonCash Cost
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0 $0 $0 $0.00 $0.00
$0 $0
$0 $0 $0
$0
Additional Cash Expense per acre incurred by field After a Pivot is installed. List O
Custom
Labor Fuel Maintenance Fertilizer Seed Hire Chemicals
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0 $0
er a Pivot is installed. List ONLY added cash expenses. After Pivot, Includes Pivot & Farming Ch
Utilities Annual Hay Annual Tear Total
Equipment Other than Swath, Bale Establishment Out and
Rental for Pivot and Stack Costs Crop Expense Cash Costs
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0
Total Added Costs, All Inputs and Pivot Costs $0
fter Pivot, Includes Pivot & Farming Change, If Any
Total Per Ton
Cash Plus Cash Plus
NonCash Cost Cash Cost NonCash Cost
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
$0 $0.00 $0.00
Introduction to the BeefFinancial-and-PartialBudget spreadsheet:
This spreadsheet is for use in estimating the income and expenses for the beef cow enterprise.
This spreadsheet uses a financial approach rather than an economic approach to estimate income
and costs incurred by the enterprise. The financial approach uses actual income and expenses
incurred, even though they are estimated. An example of this approach is using actual interest expense
and the actual principal payments made. An alternative approach is to use opportunity cost to
estimate the costs of using assets in the beef cow enterprise. To clarify these two approaches an
example is presented below that describes the basics of each approach.
Assume:
1- You have a land worth $5,000,000 used for the beef enterprise (range, hay base, etc.)
This is what it is worth, not what you paid for it.
2- You have a loan ($400,000) on this land with an annual payment of approximately $26,000.
3- You are 22 years in to a thirty year loan schedule.
See the LoanCalc1 tab in this spreadsheet to see what the principle and interest
would be on a loan for this property. This is just an example
4- Principle is about $16,775 and interest is about $9,250.
5- Long term real interest rates are estimated to about 4%
Real interest rate is the "Nominal" or quoted rate minus the expected inflation rate
For example 7% nominal minus 3% expected inflation rate is a 4% real interest rate
Financial Approach:
1- You would enter the principle and interest rates shown in number 4 above in this spreadsheet
These are the financial cost (the cost you would enter in your record keeping system)
Economic Approach.
1- The economic approach ignores information about loan principal and interest amounts and uses
an opportunity costs approach. The opportunity cost approach uses the real rate of interest, assumed
above at 4%, to estimate the cost of using the resources in the beef cow enterprise. Using the
assumption of a 4% real rate of interest and a "market value" of $5,000,000, the opportunity cost
of using this land to produce beef cows is $5 million times 4% = $200,000. The opportunity cost
estimate of $200,000 is used instead of the principal and interest payments estimated in # 4 above.
Other differences between the two approaches exist but this example serves to illustrate a major difference.
Most income and expense that are cash (income actually received in cash or an expense actually paid in cash
are the same in both approaches. Example are fuel, repairs, fertilizer, chemical, hired labor costs paid in cash
or cash received for calf sales.
Both of these estimation methods can be useful, even for the same operation. An example would be using the
financial approach on an operation that is complete debt free. Using the financial approach does provide useful
results, but it may not represent the true economic costs of using such valuable resources to produce
beef. These approaches are presented with judgments left to the user on which may best fit their particular needs.
For a spreadsheet that uses the Economic Approach, download the spreadsheet titled
CowCalfFeederStockerBudgets.xls from this web address:
http://www.montana.edu/extensionecon/softwaredownloads.html
This template includes both Financial and Economic Analysis.
You are allowed/required to enter all text in blue. All else is protected/calculated.
Mouse Pointer Here to Read a message -- READ THIS
Base case = Enter Description Here
Section 1 Base Budget For Cow Calf Operation Calendar Year 2008 Cows in Breeding Herd 300
Production Information Annual Number Calves Born 265
Breeding Herd Size Beginning of Breeding Season - Include cows and 1st calf heifers 300 Number Replacement Heifers on Hand, Jan. 1st 40
Pregnancy percentage 92.0% Number of Bulls, Beginning Breeding Season 14
Number Pregnant After Breeding Season in 2007 = January 1 on hand 276
Number Open, culled and sold before winter feeding period 24 Cows and 1st calf heifers at start of the breeding season 300
Calving Percentage based January 1 cow numbers 97.00% Minus: Cull cows sold beginning breeding to beginning breeding 32
Number cows that calved based on January 1 cows in 2008 268 Minus: Cows/Heifers that died during the year 3
Cull cows sold after calving & before next breeding cycle in 2008 8 Minus: Excess Rep Heifers Sold 5
Total Cull Cows available for sale after breeding and/or calving 32 Plus: Replacment Heifers Kept from Calf Crop and entering cow herd 40
Percent calf loss at calving time 1.00% Plus: Cows & Heifers purchased and added to breeding herd 0
Number of live calves born in 2008 265 Ending breeding cow inventory, start of breeding season next year 300
Weaning Percentage based on live calves born 98.00%
Number of Calves Weaned in 2008 260
Replacements Needed (from culled animals plus death loss of 1% beginning herd size) 35
Average Cull Rate based on beginning breeding inventory 11.76%
Help Replacements are Purchased or Raised (P or R) R
Replacements Heifers kept from calf crop 40
Replacement Breeding Cows or Heifers Purchased and added to breeding herd 0
Average No. Cows per Bull, Adjust for No. animals A.I. 25
Number bulls at beginning of Breeding Season 14
Average Purchase Price of Bulls $3,500
Section 2 Income and Other Inflows/Sources of Cash
Livestock Sales Head Weight $$/Lb $$/Head
43.33% Strs to sell @ weaning 130 600 $1.25 $750.00 $97,500
30.00% Hfrs to sell @ weaning 90 575 $1.20 $690.00 $62,100
0.00% Other Animals 0 0 $0.00 $0.00 Basis $0 Enter a number for each alternative used directly below in this analysis. If it is not used, enter a zero
0.00% Other Animals 0 0 $0.00 $0.00 For Culls $0 for the Alt. #. You must enter a number for each alternative for which you wish to display results.
Cull Cows (1% death loss) 31 1250 $0.50 $625.00 0 $19,375
Cull Rep. Heifers 5 900 $1.00 $900.00 0 $4,248
Cull Bulls 4 1800 $0.55 $990.00 0 $3,960
Total Calves Sold 220 Total Livestock Cash Sales $187,183 Alt. # Alt. # Alt. # Alt. # Alt. # Alt. #
Livestock Cash Sales per Head of Breeding Cows at the Start of the Breeding Season $623.94 1 2 3 4 0 0
Keep Cows, Buy Sell 100 Cows to
Keep Cows and buy Straw & Protein Keep Cows, Ship to Meet Forage
Other Cash inflows that are also income (easements, royalties, etc.) Hay Supplement Grazing Available Description Description
Other 0
Other 0
Other 0
Other 0
Other 0 Enter changes to income and expenses, relative to the base, in rows 182
Other 0 and below.
Other 0
Other 0
Other 0
Other 0
Other 0
Other 0
Other 0
Other 0
Other 0
Total Cash Income for the Base Budget 187,183
Help Average Carry Over Cash Available, Beginning of Calendar Year 10,000
Help Other Cash Inflow s (Cash inflow s that are NOT INCOME)
Other 0 0 0 0 0 0 0
Other 0 0 0 0 0 0 0
Other 0 0 0 0 0 0 0
Total Revenue/Inflows/Sources of Cash for Base Budget $197,183
Section 3 Expenses (List only expenses in this section, i.e. tax deductible) Cost Per
Farm Ranch Cash Expenses (Use Schedule F Income Tax Return as a Source of Information) Head
Additional Description if Desired 0.00
Cost of Purchased Cattle/Sheep/Livestock for Resale 0 0.00
Feeding Expenses 0 0.00
- Feed and Yardage 0 0.00
- Processing, Inspections, Check-Off, etc. 0 0.00
Chemicals 0 0.00
- Herbicide 0 0.00
- Insecticide 0 0.00
- Other weed control 4,500 15.00
- Other 0 0.00
Custom Hire 0 0.00
- Conservation Expense 0 0.00
- Tillage 0 0.00
- Planting 0 0.00
- Harvesting 0 0.00
- Pesticide Application 0 0.00
Feed Purchase 0 0.00
- Concentrate 0 0.00
- Grain 2,500 8.33
- Forage 0 0.00
- Protein 0 0.00
- Mineral & Additives 6,700 22.33
Fertilizer & Lime 10,500 35.00
Freight & Trucking 0 0.00
- Livestock 0 0.00
- Crops 0 0.00
- Feed 0 0.00
- Supplies 0 0.00
Gasoline, Fuel, & Oil 0 0.00
- Diesel 6,500 21.67
- Gas 4,500 15.00
- LP 0 0.00
- Oil 0 0.00
Insurance 1,300 4.33
- Property 0 0.00
- Liability 0 0.00
- Crop - MPCI 0 0.00
- Crop - Hail 0 0.00
Interest on Operating 1,800 6.00
Interest on Long Term Loans 0 0.00
Hired Labor & Management 0 0.00
- Salaried and seasonal help 6,000 20.00
- Payroll Expenses 800 2.67
- Pension & Profit Sharing 0 0.00
- Employee Benefits 250 0.83
- Contract Labor 0 0.00
Rents or Leases 0 0.00
- Building 0 0.00
- Vehicles, Machinery, & Equipment 0 0.00
- Land public land leases 4,000 13.33
- Storage & Warehousing 0 0.00
Expenses (Continued) 0.00
Repairs & Maintenance 0 0.00
- Vehicle 2,000 6.67
- Machinery & Equipment 7,000 23.33
- Buildings & Improvements 2,500 8.33
Seed & Plants 1,100 3.67
Supplies 2,500 8.33
- Livestock 800 2.67
- Crops 0 0.00
- General 0 0.00
- Office 0 0.00
Property Taxes: 0 0.00
- Personal Property Taxes 1,200 4.00
- Real Estate, Land, Improvements 5,000 16.67
Utilities 2,000 6.67
- Electricity 2,300 7.67
- Phone 750 2.50
- Irrigation 3,000 10.00
Veterinary, Breeding, Health 0 0.00
- Professional Vet Service 1,200 4.00
- Medicine 4,550 15.17
- Breeding 800 2.67
Professional Fees 0 0.00
- Accounting 500 1.67
- Legal 0 0.00
- Consulting 0 0.00
- Education & Training 500 1.67
- Marketing & Commissions 0 0.00
- Futures/Options Expense 0 0.00
Miscellaneous 0 0.00
- Dues & Subscriptions 250 0.83
- Travel 1,000 3.33
- Promotion/Assessments 0 0.00
- Overhead 0 0.00
- Processing 0 0.00
- Licenses 800 2.67
Office supplies 300 1.00
Check Off 325 1.08
Other Cash Operating Expenses 0 0.00
Other Cash Operating Expenses 0 0.00
Other Cash Operating Expenses 0 0.00
Other Cash Operating Expenses 0 0.00
Other Cash Operating Expenses 0 0.00
Other Cash Operating Expenses 0 0.00
Other Cash Operating Expenses 0 0.00
Other Cash Operating Expenses 0 0.00
Other Cash Operating Expenses 0 0.00
Other Cash Operating Expenses 0 0.00
Other Cash Operating Expenses 0 0.00
Other Cash Operating Expenses 0 0.00
Other Cash Operating Expenses 0 0.00
Other Cash Operating Expenses 0 0.00
Other Cash Operating Expenses 0 0.00
Other Cash Operating Expenses 0 0.00
Other Cash Operating Expenses 0 0.00
Total Cash Expenses $89,725 299.08
Cash expense per cow on the operation $299.08
Cash expense per LB of calf produced on the operation $0.59
Help Net Cash Income (excludes non income/expense cash flows) $97,458
Alternative Alternative Alternative Alternative Alternative Alternative
From here down you must enter information for each alternative considered # 1 # 2 # 3 # 4 # 5 # 6
Keep Cows, Buy Sell 100 Cows to
Keep Cows and buy Straw & Protein Keep Cows, Ship to Meet Forage
Hay Supplement Grazing Available Description Description
Depreciation Expense for each alternative considered
Help Depreciation (All Depreciable Assets) (Base Case) $40,000 40,000 40,000 40,000 35,000 0 0
Total Expense, Cash + Non-Cash $129,725
Cash + non-cash expense per cow on the operation $432.42
Cash + non-cash expense per LB of calf produced on the operation $0.85
Net Income (Cash Basis-Includes Depreciation) $57,458
Section 4 Capital Asset Replacement or Principal Payments -- Do not include interest expense here* Total Annual Capital replacement (and/or principal) for each Alt.
Help Principal Payments on Loans + Annual Capital Replacements Paid From Operations (not borrowed)
Bulls 14,000 14,000 14,000 14,000 10,500 0 0
Breeding Cows 0 0 0 0 0 0 0
Rep Heifers for Breeding 0 0 0 0 0 0 0
Other Breeding Livestock 0 0 0 0 0 0 0
Land 0 0 0 0 0 0 0
Buildings and Improvements 0 0 0 0 0 0 0
Machinery & Equipment 5,000 5,000 5,000 5,000 5,000 0 0
Other 0 0 0 0 0 0 0
Other Capital Asset Purchases and/or annual replacements 2,000 2,000 2,000 2,000 1,000 0 0
Other 0 0 0 0 0 0 0
Other 0 0 0 0 0 0 0
Other 0 0 0 0 0 0 0
* Interest expense should be included above or below, not in this section of the spreadsheet.
Total non-expense cash outflows for capital asset purchases and principal payments $21,000
Cash + non-cash expense + non-expense cash outflows per cow on the operation $502.42
Cash + non-cash expense+non-expense cash outflows per LB of calf produced $0.99
Net Cash Flow (Excludes Depreciation Expense but includes $86,458
Non-Income/Expense Cash Flows & Beginning Cash Available
Section 5 Enter only income & expense in the sections below, i.e. not cash inflows/outflows that are not an income or expense. Those
are entered elsewhere. For each alternative, enter the "changes relative to the base operation entered, not the total for the Alternative Alternative Alternative Alternative Alternative Alternative
new alternative."
# 1 # 2 # 3 # 4 # 5 # 6
Keep Cows, Buy Sell 100 Cows to
Keep Cows and buy Straw & Protein Keep Cows, Ship to Meet Forage
Added Rev enue/Income Items: (do not include added inflows that are not also income) Hay Supplement Grazing Available Description Description
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
Section 6 Reduced Rev enue/Income Items: Do not include reduce inflows that are not also income # 1 # 2 # 3 # 4 # 5 # 6
0 0 0 0 0 0
Reduced Revenue from Cow & Calf Sales, Alternative #4 0 0 0 0 0 0
steer calf sales 0 0 0 33,130 0 0
heifer calf sales 0 0 0 22,366 0 0
cull cow sales 0 0 0 7,350 0 0
cull replacement heifers 0 0 0 0 0 0
cull bulls 0 0 0 1,320 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
Net Change in rev enue f or this alternativ e>> 0 0 0 (64,166) 0 0
# 1 # 2 # 3 # 4 # 5 # 6
Keep Cows, Buy Sell 100 Cows to
Keep Cows and buy Straw & Protein Keep Cows, Ship to Meet Forage
Section 7 Reduced Expenses: Do not include reduced cash outflows that are not also expenses Hay Supplement Grazing Available Description Description
0 0 0 0 0 0
Reduced Expenses for Alt # 4, Sell 100 hd Cows 0 0 0 0 0 0
Cut in half from base budget: Feed Purchased, minerals and additives 0 0 0 4,600 0 0
reduce: fert&lime (3000), fuel (500), Interest on operating (250) 0 0 0 3,750 0 0
eliminate seasonal help 0 0 0 6,250 0 0
reduce repairs 0 0 0 1,000 0 0
reduce livestock supplies 0 0 0 300 0 0
vet and med 0 0 0 3,500 0 0
check off 0 0 0 100 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
Keep Cows, Buy Sell 100 Cows to
Keep Cows and buy Straw & Protein Keep Cows, Ship to Meet Forage
Section 8 Increased Expenses: Do not include increased cash outflows that are not also expenses Hay Supplement Grazing Available Description Description
0 0 0 0 0 0
Purchase W ater Hauling Equipment, Truck, tank, pumps, etc. 0 0 0 0 0 0
Interest costs of water hauling equipment, avg. 1st three years 600 600 600 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
Keep Cows, Buy Hay (delivered price): Alt #1 0 0 0 0 0 0
Purchase hay for cows nutrition, 100 head for 8 months @ $75, 4 tons/cow (for winter feeding period) 30,000 0 0 0 0 0
100 head for 4 months @ $70, 1.5 tons/cow (replace summer grazing) 11,250 0 0 0 0 0
Barley, 3 pounds/head/day for 250 days @ $.02 per pound 3,000 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
Keep cows, Buy Straw and Supplement 0 0 0 0 0 0
Straw, for 200 head, 2 ton per head @ $40/ton 0 16,000 0 0 0 0
0 0 0 0 0 0
Barley, 5 pounds/head/day for 250 days @ $.02 per pound 0 5,000 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
Ship to grazing and ship back to ranch after grazing 0 0 0 0 0 0
Ship 100 cows @ $ 3.25 per loaded mile for 1500 miles round trip. Required three trucks 0 0 14,625 0 0 0
Aum charge of grazing, 8 months @ $25/AUM for 100 head 0 0 20,000 0 0 0
Management charge for livetock care and handling at grazing site. 0 0 6,000 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
Net Change in expenses f or this alternativ e>> $44,850 $21,600 $41,225 ($19,500) $0 $0
Keep Cows, Buy Sell 100 Cows to
Section 9 Base Budget Keep Cows and buy Straw & Protein Keep Cows, Ship to Meet Forage
Results Hay Supplement Grazing Available Description Description
Net Cash Income for each alternative (Excludes Depreciation) $97,458 $52,608 $75,858 $56,233 $52,792 $0 $0
Net Income (Cash Basis) Includes Depreciation - Not Accrual $57,458 $12,608 $35,858 $16,233 $17,792 $0 $0
Net Cash Flow (Excludes Dep. & includes other cash in/outflows) $86,458 $41,608 $64,858 $45,233 $46,292 $0 $0
The results for the alternatives show the effects of all changes relative to the base operation.
LOANMORT: LOAN AMORTIZATION Karen L. Holman
Cooperative Extension
This template computes the payment amount and total interest for a Colorado State University
loan, as well as a complete amortization schedule of up to 360 payments. August 1988
The amortization schedule can be viewed on the screen or printed. In
addition, the template allows for principal buydown, and will compute Converted to Windows
annual total principal interest payments. It is not suitable for Format by Duane Griffith
variable interest loans, or for balloon or other irregular payments. Montana State University
December 1995
BASE LOAN INFORMATION:
Loan amount: $400,000
Annual interest rate: 5.00%
Years of loan: 30
Payments per year: 1
Month that first
payment is due: 11
Additional principal: 0 BUYDOWN INFORMATION (OPTIONAL):
Frequency of payments: 1 If you only make 1 extra payment per year, enter 12 here. If extra paym
First such payment: 1
Summary Information for This Loan
BASE LOAN: BASE LOAN WITH BUYDOWN:
Payment: $26,020.57 Years to pay off:
Total interest: $380,617 Total interest:
Interest savings:
LOAN AMORTIZATION SCHEDULE
Loan: $400,000 Payment: $26,020.57 1
Rate: 5.00% Total Interest: $380,617 30
11
Principal Buydown Remaining Accumulated
Payment Number Payment Amount Balance Principal
1 $6,020.57 $0.00 $393,979.43 $6,020.57
2 $6,321.60 $0.00 $387,657.82 $12,342.18
3 $6,637.68 $0.00 $381,020.14 $18,979.86
4 $6,969.57 $0.00 $374,050.57 $25,949.43
5 $7,318.05 $0.00 $366,732.53 $33,267.47
6 $7,683.95 $0.00 $359,048.58 $40,951.42
7 $8,068.15 $0.00 $350,980.44 $49,019.56
8 $8,471.55 $0.00 $342,508.88 $57,491.12
9 $8,895.13 $0.00 $333,613.75 $66,386.25
10 $9,339.89 $0.00 $324,273.87 $75,726.13
11 $9,806.88 $0.00 $314,466.99 $85,533.01
12 $10,297.22 $0.00 $304,169.76 $95,830.24
13 $10,812.09 $0.00 $293,357.68 $106,642.32
14 $11,352.69 $0.00 $282,004.99 $117,995.01
15 $11,920.32 $0.00 $270,084.66 $129,915.34
16 $12,516.34 $0.00 $257,568.32 $142,431.68
17 $13,142.16 $0.00 $244,426.16 $155,573.84
18 $13,799.27 $0.00 $230,626.90 $169,373.10
19 $14,489.23 $0.00 $216,137.67 $183,862.33
20 $15,213.69 $0.00 $200,923.98 $199,076.02
21 $15,974.38 $0.00 $184,949.60 $215,050.40
22 $16,773.09 $0.00 $168,176.51 $231,823.49
23 $17,611.75 $0.00 $150,564.76 $249,435.24
24 $18,492.34 $0.00 $132,072.42 $267,927.58
25 $19,416.95 $0.00 $112,655.47 $287,344.53
26 $20,387.80 $0.00 $92,267.67 $307,732.33
27 $21,407.19 $0.00 $70,860.48 $329,139.52
28 $22,477.55 $0.00 $48,382.93 $351,617.07
29 $23,601.43 $0.00 $24,781.50 $375,218.50
30 $24,781.50 $0.00 $0.00 $400,000.00
31 $0.00 $0.00 $0.00 $400,000.00
32 $0.00 $0.00 $0.00 $400,000.00
33 $0.00 $0.00 $0.00 $400,000.00
34 $0.00 $0.00 $0.00 $400,000.00
35 $0.00 $0.00 $0.00 $400,000.00
36 $0.00 $0.00 $0.00 $400,000.00
37 $0.00 $0.00 $0.00 $400,000.00
38 $0.00 $0.00 $0.00 $400,000.00
39 $0.00 $0.00 $0.00 $400,000.00
40 $0.00 $0.00 $0.00 $400,000.00
41 $0.00 $0.00 $0.00 $400,000.00
42 $0.00 $0.00 $0.00 $400,000.00
43 $0.00 $0.00 $0.00 $400,000.00
44 $0.00 $0.00 $0.00 $400,000.00
45 $0.00 $0.00 $0.00 $400,000.00
46 $0.00 $0.00 $0.00 $400,000.00
47 $0.00 $0.00 $0.00 $400,000.00
48 $0.00 $0.00 $0.00 $400,000.00
49 $0.00 $0.00 $0.00 $400,000.00
50 $0.00 $0.00 $0.00 $400,000.00
51 $0.00 $0.00 $0.00 $400,000.00
52 $0.00 $0.00 $0.00 $400,000.00
53 $0.00 $0.00 $0.00 $400,000.00
54 $0.00 $0.00 $0.00 $400,000.00
55 $0.00 $0.00 $0.00 $400,000.00
56 $0.00 $0.00 $0.00 $400,000.00
57 $0.00 $0.00 $0.00 $400,000.00
58 $0.00 $0.00 $0.00 $400,000.00
59 $0.00 $0.00 $0.00 $400,000.00
60 $0.00 $0.00 $0.00 $400,000.00
61 $0.00 $0.00 $0.00 $400,000.00
62 $0.00 $0.00 $0.00 $400,000.00
63 $0.00 $0.00 $0.00 $400,000.00
64 $0.00 $0.00 $0.00 $400,000.00
65 $0.00 $0.00 $0.00 $400,000.00
66 $0.00 $0.00 $0.00 $400,000.00
67 $0.00 $0.00 $0.00 $400,000.00
68 $0.00 $0.00 $0.00 $400,000.00
69 $0.00 $0.00 $0.00 $400,000.00
70 $0.00 $0.00 $0.00 $400,000.00
71 $0.00 $0.00 $0.00 $400,000.00
72 $0.00 $0.00 $0.00 $400,000.00
73 $0.00 $0.00 $0.00 $400,000.00
74 $0.00 $0.00 $0.00 $400,000.00
75 $0.00 $0.00 $0.00 $400,000.00
76 $0.00 $0.00 $0.00 $400,000.00
77 $0.00 $0.00 $0.00 $400,000.00
78 $0.00 $0.00 $0.00 $400,000.00
79 $0.00 $0.00 $0.00 $400,000.00
80 $0.00 $0.00 $0.00 $400,000.00
81 $0.00 $0.00 $0.00 $400,000.00
82 $0.00 $0.00 $0.00 $400,000.00
83 $0.00 $0.00 $0.00 $400,000.00
84 $0.00 $0.00 $0.00 $400,000.00
85 $0.00 $0.00 $0.00 $400,000.00
86 $0.00 $0.00 $0.00 $400,000.00
87 $0.00 $0.00 $0.00 $400,000.00
88 $0.00 $0.00 $0.00 $400,000.00
89 $0.00 $0.00 $0.00 $400,000.00
90 $0.00 $0.00 $0.00 $400,000.00
91 $0.00 $0.00 $0.00 $400,000.00
92 $0.00 $0.00 $0.00 $400,000.00
93 $0.00 $0.00 $0.00 $400,000.00
94 $0.00 $0.00 $0.00 $400,000.00
95 $0.00 $0.00 $0.00 $400,000.00
96 $0.00 $0.00 $0.00 $400,000.00
97 $0.00 $0.00 $0.00 $400,000.00
98 $0.00 $0.00 $0.00 $400,000.00
99 $0.00 $0.00 $0.00 $400,000.00
100 $0.00 $0.00 $0.00 $400,000.00
101 $0.00 $0.00 $0.00 $400,000.00
102 $0.00 $0.00 $0.00 $400,000.00
103 $0.00 $0.00 $0.00 $400,000.00
104 $0.00 $0.00 $0.00 $400,000.00
105 $0.00 $0.00 $0.00 $400,000.00
106 $0.00 $0.00 $0.00 $400,000.00
107 $0.00 $0.00 $0.00 $400,000.00
108 $0.00 $0.00 $0.00 $400,000.00
109 $0.00 $0.00 $0.00 $400,000.00
110 $0.00 $0.00 $0.00 $400,000.00
111 $0.00 $0.00 $0.00 $400,000.00
112 $0.00 $0.00 $0.00 $400,000.00
113 $0.00 $0.00 $0.00 $400,000.00
114 $0.00 $0.00 $0.00 $400,000.00
115 $0.00 $0.00 $0.00 $400,000.00
116 $0.00 $0.00 $0.00 $400,000.00
117 $0.00 $0.00 $0.00 $400,000.00
118 $0.00 $0.00 $0.00 $400,000.00
119 $0.00 $0.00 $0.00 $400,000.00
120 $0.00 $0.00 $0.00 $400,000.00
121 $0.00 $0.00 $0.00 $400,000.00
122 $0.00 $0.00 $0.00 $400,000.00
123 $0.00 $0.00 $0.00 $400,000.00
124 $0.00 $0.00 $0.00 $400,000.00
125 $0.00 $0.00 $0.00 $400,000.00
126 $0.00 $0.00 $0.00 $400,000.00
127 $0.00 $0.00 $0.00 $400,000.00
128 $0.00 $0.00 $0.00 $400,000.00
129 $0.00 $0.00 $0.00 $400,000.00
130 $0.00 $0.00 $0.00 $400,000.00
131 $0.00 $0.00 $0.00 $400,000.00
132 $0.00 $0.00 $0.00 $400,000.00
133 $0.00 $0.00 $0.00 $400,000.00
134 $0.00 $0.00 $0.00 $400,000.00
135 $0.00 $0.00 $0.00 $400,000.00
136 $0.00 $0.00 $0.00 $400,000.00
137 $0.00 $0.00 $0.00 $400,000.00
138 $0.00 $0.00 $0.00 $400,000.00
139 $0.00 $0.00 $0.00 $400,000.00
140 $0.00 $0.00 $0.00 $400,000.00
141 $0.00 $0.00 $0.00 $400,000.00
142 $0.00 $0.00 $0.00 $400,000.00
143 $0.00 $0.00 $0.00 $400,000.00
144 $0.00 $0.00 $0.00 $400,000.00
145 $0.00 $0.00 $0.00 $400,000.00
146 $0.00 $0.00 $0.00 $400,000.00
147 $0.00 $0.00 $0.00 $400,000.00
148 $0.00 $0.00 $0.00 $400,000.00
149 $0.00 $0.00 $0.00 $400,000.00
150 $0.00 $0.00 $0.00 $400,000.00
151 $0.00 $0.00 $0.00 $400,000.00
152 $0.00 $0.00 $0.00 $400,000.00
153 $0.00 $0.00 $0.00 $400,000.00
154 $0.00 $0.00 $0.00 $400,000.00
155 $0.00 $0.00 $0.00 $400,000.00
156 $0.00 $0.00 $0.00 $400,000.00
157 $0.00 $0.00 $0.00 $400,000.00
158 $0.00 $0.00 $0.00 $400,000.00
159 $0.00 $0.00 $0.00 $400,000.00
160 $0.00 $0.00 $0.00 $400,000.00
161 $0.00 $0.00 $0.00 $400,000.00
162 $0.00 $0.00 $0.00 $400,000.00
163 $0.00 $0.00 $0.00 $400,000.00
164 $0.00 $0.00 $0.00 $400,000.00
165 $0.00 $0.00 $0.00 $400,000.00
166 $0.00 $0.00 $0.00 $400,000.00
167 $0.00 $0.00 $0.00 $400,000.00
168 $0.00 $0.00 $0.00 $400,000.00
169 $0.00 $0.00 $0.00 $400,000.00
170 $0.00 $0.00 $0.00 $400,000.00
171 $0.00 $0.00 $0.00 $400,000.00
172 $0.00 $0.00 $0.00 $400,000.00
173 $0.00 $0.00 $0.00 $400,000.00
174 $0.00 $0.00 $0.00 $400,000.00
175 $0.00 $0.00 $0.00 $400,000.00
176 $0.00 $0.00 $0.00 $400,000.00
177 $0.00 $0.00 $0.00 $400,000.00
178 $0.00 $0.00 $0.00 $400,000.00
179 $0.00 $0.00 $0.00 $400,000.00
180 $0.00 $0.00 $0.00 $400,000.00
181 $0.00 $0.00 $0.00 $400,000.00
182 $0.00 $0.00 $0.00 $400,000.00
183 $0.00 $0.00 $0.00 $400,000.00
184 $0.00 $0.00 $0.00 $400,000.00
185 $0.00 $0.00 $0.00 $400,000.00
186 $0.00 $0.00 $0.00 $400,000.00
187 $0.00 $0.00 $0.00 $400,000.00
188 $0.00 $0.00 $0.00 $400,000.00
189 $0.00 $0.00 $0.00 $400,000.00
190 $0.00 $0.00 $0.00 $400,000.00
191 $0.00 $0.00 $0.00 $400,000.00
192 $0.00 $0.00 $0.00 $400,000.00
193 $0.00 $0.00 $0.00 $400,000.00
194 $0.00 $0.00 $0.00 $400,000.00
195 $0.00 $0.00 $0.00 $400,000.00
196 $0.00 $0.00 $0.00 $400,000.00
197 $0.00 $0.00 $0.00 $400,000.00
198 $0.00 $0.00 $0.00 $400,000.00
199 $0.00 $0.00 $0.00 $400,000.00
200 $0.00 $0.00 $0.00 $400,000.00
201 $0.00 $0.00 $0.00 $400,000.00
202 $0.00 $0.00 $0.00 $400,000.00
203 $0.00 $0.00 $0.00 $400,000.00
204 $0.00 $0.00 $0.00 $400,000.00
205 $0.00 $0.00 $0.00 $400,000.00
206 $0.00 $0.00 $0.00 $400,000.00
207 $0.00 $0.00 $0.00 $400,000.00
208 $0.00 $0.00 $0.00 $400,000.00
209 $0.00 $0.00 $0.00 $400,000.00
210 $0.00 $0.00 $0.00 $400,000.00
211 $0.00 $0.00 $0.00 $400,000.00
212 $0.00 $0.00 $0.00 $400,000.00
213 $0.00 $0.00 $0.00 $400,000.00
214 $0.00 $0.00 $0.00 $400,000.00
215 $0.00 $0.00 $0.00 $400,000.00
216 $0.00 $0.00 $0.00 $400,000.00
217 $0.00 $0.00 $0.00 $400,000.00
218 $0.00 $0.00 $0.00 $400,000.00
219 $0.00 $0.00 $0.00 $400,000.00
220 $0.00 $0.00 $0.00 $400,000.00
221 $0.00 $0.00 $0.00 $400,000.00
222 $0.00 $0.00 $0.00 $400,000.00
223 $0.00 $0.00 $0.00 $400,000.00
224 $0.00 $0.00 $0.00 $400,000.00
225 $0.00 $0.00 $0.00 $400,000.00
226 $0.00 $0.00 $0.00 $400,000.00
227 $0.00 $0.00 $0.00 $400,000.00
228 $0.00 $0.00 $0.00 $400,000.00
229 $0.00 $0.00 $0.00 $400,000.00
230 $0.00 $0.00 $0.00 $400,000.00
231 $0.00 $0.00 $0.00 $400,000.00
232 $0.00 $0.00 $0.00 $400,000.00
233 $0.00 $0.00 $0.00 $400,000.00
234 $0.00 $0.00 $0.00 $400,000.00
235 $0.00 $0.00 $0.00 $400,000.00
236 $0.00 $0.00 $0.00 $400,000.00
237 $0.00 $0.00 $0.00 $400,000.00
238 $0.00 $0.00 $0.00 $400,000.00
239 $0.00 $0.00 $0.00 $400,000.00
240 $0.00 $0.00 $0.00 $400,000.00
241 $0.00 $0.00 $0.00 $400,000.00
242 $0.00 $0.00 $0.00 $400,000.00
243 $0.00 $0.00 $0.00 $400,000.00
244 $0.00 $0.00 $0.00 $400,000.00
245 $0.00 $0.00 $0.00 $400,000.00
246 $0.00 $0.00 $0.00 $400,000.00
247 $0.00 $0.00 $0.00 $400,000.00
248 $0.00 $0.00 $0.00 $400,000.00
249 $0.00 $0.00 $0.00 $400,000.00
250 $0.00 $0.00 $0.00 $400,000.00
251 $0.00 $0.00 $0.00 $400,000.00
252 $0.00 $0.00 $0.00 $400,000.00
253 $0.00 $0.00 $0.00 $400,000.00
254 $0.00 $0.00 $0.00 $400,000.00
255 $0.00 $0.00 $0.00 $400,000.00
256 $0.00 $0.00 $0.00 $400,000.00
257 $0.00 $0.00 $0.00 $400,000.00
258 $0.00 $0.00 $0.00 $400,000.00
259 $0.00 $0.00 $0.00 $400,000.00
260 $0.00 $0.00 $0.00 $400,000.00
261 $0.00 $0.00 $0.00 $400,000.00
262 $0.00 $0.00 $0.00 $400,000.00
263 $0.00 $0.00 $0.00 $400,000.00
264 $0.00 $0.00 $0.00 $400,000.00
265 $0.00 $0.00 $0.00 $400,000.00
266 $0.00 $0.00 $0.00 $400,000.00
267 $0.00 $0.00 $0.00 $400,000.00
268 $0.00 $0.00 $0.00 $400,000.00
269 $0.00 $0.00 $0.00 $400,000.00
270 $0.00 $0.00 $0.00 $400,000.00
271 $0.00 $0.00 $0.00 $400,000.00
272 $0.00 $0.00 $0.00 $400,000.00
273 $0.00 $0.00 $0.00 $400,000.00
274 $0.00 $0.00 $0.00 $400,000.00
275 $0.00 $0.00 $0.00 $400,000.00
276 $0.00 $0.00 $0.00 $400,000.00
277 $0.00 $0.00 $0.00 $400,000.00
278 $0.00 $0.00 $0.00 $400,000.00
279 $0.00 $0.00 $0.00 $400,000.00
280 $0.00 $0.00 $0.00 $400,000.00
281 $0.00 $0.00 $0.00 $400,000.00
282 $0.00 $0.00 $0.00 $400,000.00
283 $0.00 $0.00 $0.00 $400,000.00
284 $0.00 $0.00 $0.00 $400,000.00
285 $0.00 $0.00 $0.00 $400,000.00
286 $0.00 $0.00 $0.00 $400,000.00
287 $0.00 $0.00 $0.00 $400,000.00
288 $0.00 $0.00 $0.00 $400,000.00
289 $0.00 $0.00 $0.00 $400,000.00
290 $0.00 $0.00 $0.00 $400,000.00
291 $0.00 $0.00 $0.00 $400,000.00
292 $0.00 $0.00 $0.00 $400,000.00
293 $0.00 $0.00 $0.00 $400,000.00
294 $0.00 $0.00 $0.00 $400,000.00
295 $0.00 $0.00 $0.00 $400,000.00
296 $0.00 $0.00 $0.00 $400,000.00
297 $0.00 $0.00 $0.00 $400,000.00
298 $0.00 $0.00 $0.00 $400,000.00
299 $0.00 $0.00 $0.00 $400,000.00
300 $0.00 $0.00 $0.00 $400,000.00
301 $0.00 $0.00 $0.00 $400,000.00
302 $0.00 $0.00 $0.00 $400,000.00
303 $0.00 $0.00 $0.00 $400,000.00
304 $0.00 $0.00 $0.00 $400,000.00
305 $0.00 $0.00 $0.00 $400,000.00
306 $0.00 $0.00 $0.00 $400,000.00
307 $0.00 $0.00 $0.00 $400,000.00
308 $0.00 $0.00 $0.00 $400,000.00
309 $0.00 $0.00 $0.00 $400,000.00
310 $0.00 $0.00 $0.00 $400,000.00
311 $0.00 $0.00 $0.00 $400,000.00
312 $0.00 $0.00 $0.00 $400,000.00
313 $0.00 $0.00 $0.00 $400,000.00
314 $0.00 $0.00 $0.00 $400,000.00
315 $0.00 $0.00 $0.00 $400,000.00
316 $0.00 $0.00 $0.00 $400,000.00
317 $0.00 $0.00 $0.00 $400,000.00
318 $0.00 $0.00 $0.00 $400,000.00
319 $0.00 $0.00 $0.00 $400,000.00
320 $0.00 $0.00 $0.00 $400,000.00
321 $0.00 $0.00 $0.00 $400,000.00
322 $0.00 $0.00 $0.00 $400,000.00
323 $0.00 $0.00 $0.00 $400,000.00
324 $0.00 $0.00 $0.00 $400,000.00
325 $0.00 $0.00 $0.00 $400,000.00
326 $0.00 $0.00 $0.00 $400,000.00
327 $0.00 $0.00 $0.00 $400,000.00
328 $0.00 $0.00 $0.00 $400,000.00
329 $0.00 $0.00 $0.00 $400,000.00
330 $0.00 $0.00 $0.00 $400,000.00
331 $0.00 $0.00 $0.00 $400,000.00
332 $0.00 $0.00 $0.00 $400,000.00
333 $0.00 $0.00 $0.00 $400,000.00
334 $0.00 $0.00 $0.00 $400,000.00
335 $0.00 $0.00 $0.00 $400,000.00
336 $0.00 $0.00 $0.00 $400,000.00
337 $0.00 $0.00 $0.00 $400,000.00
338 $0.00 $0.00 $0.00 $400,000.00
339 $0.00 $0.00 $0.00 $400,000.00
340 $0.00 $0.00 $0.00 $400,000.00
341 $0.00 $0.00 $0.00 $400,000.00
342 $0.00 $0.00 $0.00 $400,000.00
343 $0.00 $0.00 $0.00 $400,000.00
344 $0.00 $0.00 $0.00 $400,000.00
345 $0.00 $0.00 $0.00 $400,000.00
346 $0.00 $0.00 $0.00 $400,000.00
347 $0.00 $0.00 $0.00 $400,000.00
348 $0.00 $0.00 $0.00 $400,000.00
349 $0.00 $0.00 $0.00 $400,000.00
350 $0.00 $0.00 $0.00 $400,000.00
351 $0.00 $0.00 $0.00 $400,000.00
352 $0.00 $0.00 $0.00 $400,000.00
353 $0.00 $0.00 $0.00 $400,000.00
354 $0.00 $0.00 $0.00 $400,000.00
355 $0.00 $0.00 $0.00 $400,000.00
356 $0.00 $0.00 $0.00 $400,000.00
357 $0.00 $0.00 $0.00 $400,000.00
358 $0.00 $0.00 $0.00 $400,000.00
359 $0.00 $0.00 $0.00 $400,000.00
360 $0.00 $0.00 $0.00 $400,000.00
en L. Holman
rative Extension
o State University
nverted to Windows
rmat by Duane Griffith
ontana State University
cember 1995
year, enter 12 here. If extra payments are made each month, enter a 1 here.
Payments/yr
Years
First pmt
Interest on
Base Loan
Remaing Calculation
Interest Accumulated Balance W/O Excludes
Payment Interest Buydown BuyDown
$20,000.00 $20,000.00 $393,979.43 $20,000.00
$19,698.97 $39,698.97 $387,657.82 $19,698.97
$19,382.89 $59,081.86 $381,020.14 $19,382.89
$19,051.01 $78,132.87 $374,050.57 $19,051.01
$18,702.53 $96,835.40 $366,732.53 $18,702.53
$18,336.63 $115,172.02 $359,048.58 $18,336.63
$17,952.43 $133,124.45 $350,980.44 $17,952.43
$17,549.02 $150,673.48 $342,508.88 $17,549.02
$17,125.44 $167,798.92 $333,613.75 $17,125.44
$16,680.69 $184,479.61 $324,273.87 $16,680.69
$16,213.69 $200,693.30 $314,466.99 $16,213.69
$15,723.35 $216,416.65 $304,169.76 $15,723.35
$15,208.49 $231,625.14 $293,357.68 $15,208.49
$14,667.88 $246,293.02 $282,004.99 $14,667.88
$14,100.25 $260,393.27 $270,084.66 $14,100.25
$13,504.23 $273,897.50 $257,568.32 $13,504.23
$12,878.42 $286,775.92 $244,426.16 $12,878.42
$12,221.31 $298,997.23 $230,626.90 $12,221.31
$11,531.34 $310,528.57 $216,137.67 $11,531.34
$10,806.88 $321,335.46 $200,923.98 $10,806.88
$10,046.20 $331,381.65 $184,949.60 $10,046.20
$9,247.48 $340,629.13 $168,176.51 $9,247.48
$8,408.83 $349,037.96 $150,564.76 $8,408.83
$7,528.24 $356,566.20 $132,072.42 $7,528.24
$6,603.62 $363,169.82 $112,655.47 $6,603.62
$5,632.77 $368,802.59 $92,267.67 $5,632.77
$4,613.38 $373,415.98 $70,860.48 $4,613.38
$3,543.02 $376,959.00 $48,382.93 $3,543.02
$2,419.15 $379,378.15 $24,781.50 $2,419.15
$1,239.07 $380,617.22 $0.00 $1,239.07
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
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$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
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$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
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$0.00 $380,617.22 $0.00 $0.00
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$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
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$0.00 $380,617.22 $0.00 $0.00
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$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
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$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
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$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
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$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
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$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
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$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
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$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
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$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
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$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
$0.00 $380,617.22 $0.00 $0.00
BALANCE
0
LOANMORT: LOAN AMORTIZATION Karen L. Holman
Cooperative Extension
This template computes the payment amount and total interest for a Colorado State University
loan, as well as a complete amortization schedule of up to 360 payments. August 1988
The amortization schedule can be viewed on the screen or printed. In
addition, the template allows for principal buydown, and will compute Converted to Windows
annual total principal interest payments. It is not suitable for Format by Duane Griffith
variable interest loans, or for balloon or other irregular payments. Montana State University
December 1995
BASE LOAN INFORMATION:
Loan amount: $0
Annual interest rate: 5.00%
Years of loan: 7
Payments per year: 1
Month that first
payment is due: 7
Additional principal: 0 BUYDOWN INFORMATION (OPTIONAL):
Frequency of payments: 1 If you only make 1 extra payment per year, enter 12 here. If extra paym
First such payment: 1
Summary Information for This Loan
BASE LOAN: BASE LOAN WITH BUYDOWN:
Payment: $0.00 Years to pay off:
Total interest: $0 Total interest:
Interest savings:
LOAN AMORTIZATION SCHEDULE
Loan: $0 Payment: $0.00 1
Rate: 5.00% Total Interest: $0 7
7
Principal Buydown Remaining Accumulated
Payment Number Payment Amount Balance Principal
1 $0.00 $0.00 $0.00 $0.00
2 $0.00 $0.00 $0.00 $0.00
3 $0.00 $0.00 $0.00 $0.00
4 $0.00 $0.00 $0.00 $0.00
5 $0.00 $0.00 $0.00 $0.00
6 $0.00 $0.00 $0.00 $0.00
7 $0.00 $0.00 $0.00 $0.00
8 $0.00 $0.00 $0.00 $0.00
9 $0.00 $0.00 $0.00 $0.00
10 $0.00 $0.00 $0.00 $0.00
11 $0.00 $0.00 $0.00 $0.00
12 $0.00 $0.00 $0.00 $0.00
13 $0.00 $0.00 $0.00 $0.00
14 $0.00 $0.00 $0.00 $0.00
15 $0.00 $0.00 $0.00 $0.00
16 $0.00 $0.00 $0.00 $0.00
17 $0.00 $0.00 $0.00 $0.00
18 $0.00 $0.00 $0.00 $0.00
19 $0.00 $0.00 $0.00 $0.00
20 $0.00 $0.00 $0.00 $0.00
21 $0.00 $0.00 $0.00 $0.00
22 $0.00 $0.00 $0.00 $0.00
23 $0.00 $0.00 $0.00 $0.00
24 $0.00 $0.00 $0.00 $0.00
25 $0.00 $0.00 $0.00 $0.00
26 $0.00 $0.00 $0.00 $0.00
27 $0.00 $0.00 $0.00 $0.00
28 $0.00 $0.00 $0.00 $0.00
29 $0.00 $0.00 $0.00 $0.00
30 $0.00 $0.00 $0.00 $0.00
31 $0.00 $0.00 $0.00 $0.00
32 $0.00 $0.00 $0.00 $0.00
33 $0.00 $0.00 $0.00 $0.00
34 $0.00 $0.00 $0.00 $0.00
35 $0.00 $0.00 $0.00 $0.00
36 $0.00 $0.00 $0.00 $0.00
37 $0.00 $0.00 $0.00 $0.00
38 $0.00 $0.00 $0.00 $0.00
39 $0.00 $0.00 $0.00 $0.00
40 $0.00 $0.00 $0.00 $0.00
41 $0.00 $0.00 $0.00 $0.00
42 $0.00 $0.00 $0.00 $0.00
43 $0.00 $0.00 $0.00 $0.00
44 $0.00 $0.00 $0.00 $0.00
45 $0.00 $0.00 $0.00 $0.00
46 $0.00 $0.00 $0.00 $0.00
47 $0.00 $0.00 $0.00 $0.00
48 $0.00 $0.00 $0.00 $0.00
49 $0.00 $0.00 $0.00 $0.00
50 $0.00 $0.00 $0.00 $0.00
51 $0.00 $0.00 $0.00 $0.00
52 $0.00 $0.00 $0.00 $0.00
53 $0.00 $0.00 $0.00 $0.00
54 $0.00 $0.00 $0.00 $0.00
55 $0.00 $0.00 $0.00 $0.00
56 $0.00 $0.00 $0.00 $0.00
57 $0.00 $0.00 $0.00 $0.00
58 $0.00 $0.00 $0.00 $0.00
59 $0.00 $0.00 $0.00 $0.00
60 $0.00 $0.00 $0.00 $0.00
61 $0.00 $0.00 $0.00 $0.00
62 $0.00 $0.00 $0.00 $0.00
63 $0.00 $0.00 $0.00 $0.00
64 $0.00 $0.00 $0.00 $0.00
65 $0.00 $0.00 $0.00 $0.00
66 $0.00 $0.00 $0.00 $0.00
67 $0.00 $0.00 $0.00 $0.00
68 $0.00 $0.00 $0.00 $0.00
69 $0.00 $0.00 $0.00 $0.00
70 $0.00 $0.00 $0.00 $0.00
71 $0.00 $0.00 $0.00 $0.00
72 $0.00 $0.00 $0.00 $0.00
73 $0.00 $0.00 $0.00 $0.00
74 $0.00 $0.00 $0.00 $0.00
75 $0.00 $0.00 $0.00 $0.00
76 $0.00 $0.00 $0.00 $0.00
77 $0.00 $0.00 $0.00 $0.00
78 $0.00 $0.00 $0.00 $0.00
79 $0.00 $0.00 $0.00 $0.00
80 $0.00 $0.00 $0.00 $0.00
81 $0.00 $0.00 $0.00 $0.00
82 $0.00 $0.00 $0.00 $0.00
83 $0.00 $0.00 $0.00 $0.00
84 $0.00 $0.00 $0.00 $0.00
85 $0.00 $0.00 $0.00 $0.00
86 $0.00 $0.00 $0.00 $0.00
87 $0.00 $0.00 $0.00 $0.00
88 $0.00 $0.00 $0.00 $0.00
89 $0.00 $0.00 $0.00 $0.00
90 $0.00 $0.00 $0.00 $0.00
91 $0.00 $0.00 $0.00 $0.00
92 $0.00 $0.00 $0.00 $0.00
93 $0.00 $0.00 $0.00 $0.00
94 $0.00 $0.00 $0.00 $0.00
95 $0.00 $0.00 $0.00 $0.00
96 $0.00 $0.00 $0.00 $0.00
97 $0.00 $0.00 $0.00 $0.00
98 $0.00 $0.00 $0.00 $0.00
99 $0.00 $0.00 $0.00 $0.00
100 $0.00 $0.00 $0.00 $0.00
101 $0.00 $0.00 $0.00 $0.00
102 $0.00 $0.00 $0.00 $0.00
103 $0.00 $0.00 $0.00 $0.00
104 $0.00 $0.00 $0.00 $0.00
105 $0.00 $0.00 $0.00 $0.00
106 $0.00 $0.00 $0.00 $0.00
107 $0.00 $0.00 $0.00 $0.00
108 $0.00 $0.00 $0.00 $0.00
109 $0.00 $0.00 $0.00 $0.00
110 $0.00 $0.00 $0.00 $0.00
111 $0.00 $0.00 $0.00 $0.00
112 $0.00 $0.00 $0.00 $0.00
113 $0.00 $0.00 $0.00 $0.00
114 $0.00 $0.00 $0.00 $0.00
115 $0.00 $0.00 $0.00 $0.00
116 $0.00 $0.00 $0.00 $0.00
117 $0.00 $0.00 $0.00 $0.00
118 $0.00 $0.00 $0.00 $0.00
119 $0.00 $0.00 $0.00 $0.00
120 $0.00 $0.00 $0.00 $0.00
121 $0.00 $0.00 $0.00 $0.00
122 $0.00 $0.00 $0.00 $0.00
123 $0.00 $0.00 $0.00 $0.00
124 $0.00 $0.00 $0.00 $0.00
125 $0.00 $0.00 $0.00 $0.00
126 $0.00 $0.00 $0.00 $0.00
127 $0.00 $0.00 $0.00 $0.00
128 $0.00 $0.00 $0.00 $0.00
129 $0.00 $0.00 $0.00 $0.00
130 $0.00 $0.00 $0.00 $0.00
131 $0.00 $0.00 $0.00 $0.00
132 $0.00 $0.00 $0.00 $0.00
133 $0.00 $0.00 $0.00 $0.00
134 $0.00 $0.00 $0.00 $0.00
135 $0.00 $0.00 $0.00 $0.00
136 $0.00 $0.00 $0.00 $0.00
137 $0.00 $0.00 $0.00 $0.00
138 $0.00 $0.00 $0.00 $0.00
139 $0.00 $0.00 $0.00 $0.00
140 $0.00 $0.00 $0.00 $0.00
141 $0.00 $0.00 $0.00 $0.00
142 $0.00 $0.00 $0.00 $0.00
143 $0.00 $0.00 $0.00 $0.00
144 $0.00 $0.00 $0.00 $0.00
145 $0.00 $0.00 $0.00 $0.00
146 $0.00 $0.00 $0.00 $0.00
147 $0.00 $0.00 $0.00 $0.00
148 $0.00 $0.00 $0.00 $0.00
149 $0.00 $0.00 $0.00 $0.00
150 $0.00 $0.00 $0.00 $0.00
151 $0.00 $0.00 $0.00 $0.00
152 $0.00 $0.00 $0.00 $0.00
153 $0.00 $0.00 $0.00 $0.00
154 $0.00 $0.00 $0.00 $0.00
155 $0.00 $0.00 $0.00 $0.00
156 $0.00 $0.00 $0.00 $0.00
157 $0.00 $0.00 $0.00 $0.00
158 $0.00 $0.00 $0.00 $0.00
159 $0.00 $0.00 $0.00 $0.00
160 $0.00 $0.00 $0.00 $0.00
161 $0.00 $0.00 $0.00 $0.00
162 $0.00 $0.00 $0.00 $0.00
163 $0.00 $0.00 $0.00 $0.00
164 $0.00 $0.00 $0.00 $0.00
165 $0.00 $0.00 $0.00 $0.00
166 $0.00 $0.00 $0.00 $0.00
167 $0.00 $0.00 $0.00 $0.00
168 $0.00 $0.00 $0.00 $0.00
169 $0.00 $0.00 $0.00 $0.00
170 $0.00 $0.00 $0.00 $0.00
171 $0.00 $0.00 $0.00 $0.00
172 $0.00 $0.00 $0.00 $0.00
173 $0.00 $0.00 $0.00 $0.00
174 $0.00 $0.00 $0.00 $0.00
175 $0.00 $0.00 $0.00 $0.00
176 $0.00 $0.00 $0.00 $0.00
177 $0.00 $0.00 $0.00 $0.00
178 $0.00 $0.00 $0.00 $0.00
179 $0.00 $0.00 $0.00 $0.00
180 $0.00 $0.00 $0.00 $0.00
181 $0.00 $0.00 $0.00 $0.00
182 $0.00 $0.00 $0.00 $0.00
183 $0.00 $0.00 $0.00 $0.00
184 $0.00 $0.00 $0.00 $0.00
185 $0.00 $0.00 $0.00 $0.00
186 $0.00 $0.00 $0.00 $0.00
187 $0.00 $0.00 $0.00 $0.00
188 $0.00 $0.00 $0.00 $0.00
189 $0.00 $0.00 $0.00 $0.00
190 $0.00 $0.00 $0.00 $0.00
191 $0.00 $0.00 $0.00 $0.00
192 $0.00 $0.00 $0.00 $0.00
193 $0.00 $0.00 $0.00 $0.00
194 $0.00 $0.00 $0.00 $0.00
195 $0.00 $0.00 $0.00 $0.00
196 $0.00 $0.00 $0.00 $0.00
197 $0.00 $0.00 $0.00 $0.00
198 $0.00 $0.00 $0.00 $0.00
199 $0.00 $0.00 $0.00 $0.00
200 $0.00 $0.00 $0.00 $0.00
201 $0.00 $0.00 $0.00 $0.00
202 $0.00 $0.00 $0.00 $0.00
203 $0.00 $0.00 $0.00 $0.00
204 $0.00 $0.00 $0.00 $0.00
205 $0.00 $0.00 $0.00 $0.00
206 $0.00 $0.00 $0.00 $0.00
207 $0.00 $0.00 $0.00 $0.00
208 $0.00 $0.00 $0.00 $0.00
209 $0.00 $0.00 $0.00 $0.00
210 $0.00 $0.00 $0.00 $0.00
211 $0.00 $0.00 $0.00 $0.00
212 $0.00 $0.00 $0.00 $0.00
213 $0.00 $0.00 $0.00 $0.00
214 $0.00 $0.00 $0.00 $0.00
215 $0.00 $0.00 $0.00 $0.00
216 $0.00 $0.00 $0.00 $0.00
217 $0.00 $0.00 $0.00 $0.00
218 $0.00 $0.00 $0.00 $0.00
219 $0.00 $0.00 $0.00 $0.00
220 $0.00 $0.00 $0.00 $0.00
221 $0.00 $0.00 $0.00 $0.00
222 $0.00 $0.00 $0.00 $0.00
223 $0.00 $0.00 $0.00 $0.00
224 $0.00 $0.00 $0.00 $0.00
225 $0.00 $0.00 $0.00 $0.00
226 $0.00 $0.00 $0.00 $0.00
227 $0.00 $0.00 $0.00 $0.00
228 $0.00 $0.00 $0.00 $0.00
229 $0.00 $0.00 $0.00 $0.00
230 $0.00 $0.00 $0.00 $0.00
231 $0.00 $0.00 $0.00 $0.00
232 $0.00 $0.00 $0.00 $0.00
233 $0.00 $0.00 $0.00 $0.00
234 $0.00 $0.00 $0.00 $0.00
235 $0.00 $0.00 $0.00 $0.00
236 $0.00 $0.00 $0.00 $0.00
237 $0.00 $0.00 $0.00 $0.00
238 $0.00 $0.00 $0.00 $0.00
239 $0.00 $0.00 $0.00 $0.00
240 $0.00 $0.00 $0.00 $0.00
241 $0.00 $0.00 $0.00 $0.00
242 $0.00 $0.00 $0.00 $0.00
243 $0.00 $0.00 $0.00 $0.00
244 $0.00 $0.00 $0.00 $0.00
245 $0.00 $0.00 $0.00 $0.00
246 $0.00 $0.00 $0.00 $0.00
247 $0.00 $0.00 $0.00 $0.00
248 $0.00 $0.00 $0.00 $0.00
249 $0.00 $0.00 $0.00 $0.00
250 $0.00 $0.00 $0.00 $0.00
251 $0.00 $0.00 $0.00 $0.00
252 $0.00 $0.00 $0.00 $0.00
253 $0.00 $0.00 $0.00 $0.00
254 $0.00 $0.00 $0.00 $0.00
255 $0.00 $0.00 $0.00 $0.00
256 $0.00 $0.00 $0.00 $0.00
257 $0.00 $0.00 $0.00 $0.00
258 $0.00 $0.00 $0.00 $0.00
259 $0.00 $0.00 $0.00 $0.00
260 $0.00 $0.00 $0.00 $0.00
261 $0.00 $0.00 $0.00 $0.00
262 $0.00 $0.00 $0.00 $0.00
263 $0.00 $0.00 $0.00 $0.00
264 $0.00 $0.00 $0.00 $0.00
265 $0.00 $0.00 $0.00 $0.00
266 $0.00 $0.00 $0.00 $0.00
267 $0.00 $0.00 $0.00 $0.00
268 $0.00 $0.00 $0.00 $0.00
269 $0.00 $0.00 $0.00 $0.00
270 $0.00 $0.00 $0.00 $0.00
271 $0.00 $0.00 $0.00 $0.00
272 $0.00 $0.00 $0.00 $0.00
273 $0.00 $0.00 $0.00 $0.00
274 $0.00 $0.00 $0.00 $0.00
275 $0.00 $0.00 $0.00 $0.00
276 $0.00 $0.00 $0.00 $0.00
277 $0.00 $0.00 $0.00 $0.00
278 $0.00 $0.00 $0.00 $0.00
279 $0.00 $0.00 $0.00 $0.00
280 $0.00 $0.00 $0.00 $0.00
281 $0.00 $0.00 $0.00 $0.00
282 $0.00 $0.00 $0.00 $0.00
283 $0.00 $0.00 $0.00 $0.00
284 $0.00 $0.00 $0.00 $0.00
285 $0.00 $0.00 $0.00 $0.00
286 $0.00 $0.00 $0.00 $0.00
287 $0.00 $0.00 $0.00 $0.00
288 $0.00 $0.00 $0.00 $0.00
289 $0.00 $0.00 $0.00 $0.00
290 $0.00 $0.00 $0.00 $0.00
291 $0.00 $0.00 $0.00 $0.00
292 $0.00 $0.00 $0.00 $0.00
293 $0.00 $0.00 $0.00 $0.00
294 $0.00 $0.00 $0.00 $0.00
295 $0.00 $0.00 $0.00 $0.00
296 $0.00 $0.00 $0.00 $0.00
297 $0.00 $0.00 $0.00 $0.00
298 $0.00 $0.00 $0.00 $0.00
299 $0.00 $0.00 $0.00 $0.00
300 $0.00 $0.00 $0.00 $0.00
301 $0.00 $0.00 $0.00 $0.00
302 $0.00 $0.00 $0.00 $0.00
303 $0.00 $0.00 $0.00 $0.00
304 $0.00 $0.00 $0.00 $0.00
305 $0.00 $0.00 $0.00 $0.00
306 $0.00 $0.00 $0.00 $0.00
307 $0.00 $0.00 $0.00 $0.00
308 $0.00 $0.00 $0.00 $0.00
309 $0.00 $0.00 $0.00 $0.00
310 $0.00 $0.00 $0.00 $0.00
311 $0.00 $0.00 $0.00 $0.00
312 $0.00 $0.00 $0.00 $0.00
313 $0.00 $0.00 $0.00 $0.00
314 $0.00 $0.00 $0.00 $0.00
315 $0.00 $0.00 $0.00 $0.00
316 $0.00 $0.00 $0.00 $0.00
317 $0.00 $0.00 $0.00 $0.00
318 $0.00 $0.00 $0.00 $0.00
319 $0.00 $0.00 $0.00 $0.00
320 $0.00 $0.00 $0.00 $0.00
321 $0.00 $0.00 $0.00 $0.00
322 $0.00 $0.00 $0.00 $0.00
323 $0.00 $0.00 $0.00 $0.00
324 $0.00 $0.00 $0.00 $0.00
325 $0.00 $0.00 $0.00 $0.00
326 $0.00 $0.00 $0.00 $0.00
327 $0.00 $0.00 $0.00 $0.00
328 $0.00 $0.00 $0.00 $0.00
329 $0.00 $0.00 $0.00 $0.00
330 $0.00 $0.00 $0.00 $0.00
331 $0.00 $0.00 $0.00 $0.00
332 $0.00 $0.00 $0.00 $0.00
333 $0.00 $0.00 $0.00 $0.00
334 $0.00 $0.00 $0.00 $0.00
335 $0.00 $0.00 $0.00 $0.00
336 $0.00 $0.00 $0.00 $0.00
337 $0.00 $0.00 $0.00 $0.00
338 $0.00 $0.00 $0.00 $0.00
339 $0.00 $0.00 $0.00 $0.00
340 $0.00 $0.00 $0.00 $0.00
341 $0.00 $0.00 $0.00 $0.00
342 $0.00 $0.00 $0.00 $0.00
343 $0.00 $0.00 $0.00 $0.00
344 $0.00 $0.00 $0.00 $0.00
345 $0.00 $0.00 $0.00 $0.00
346 $0.00 $0.00 $0.00 $0.00
347 $0.00 $0.00 $0.00 $0.00
348 $0.00 $0.00 $0.00 $0.00
349 $0.00 $0.00 $0.00 $0.00
350 $0.00 $0.00 $0.00 $0.00
351 $0.00 $0.00 $0.00 $0.00
352 $0.00 $0.00 $0.00 $0.00
353 $0.00 $0.00 $0.00 $0.00
354 $0.00 $0.00 $0.00 $0.00
355 $0.00 $0.00 $0.00 $0.00
356 $0.00 $0.00 $0.00 $0.00
357 $0.00 $0.00 $0.00 $0.00
358 $0.00 $0.00 $0.00 $0.00
359 $0.00 $0.00 $0.00 $0.00
360 $0.00 $0.00 $0.00 $0.00
en L. Holman
rative Extension
o State University
nverted to Windows
rmat by Duane Griffith
ontana State University
cember 1995
year, enter 12 here. If extra payments are made each month, enter a 1 here.
Payments/yr
Years
First pmt
Interest on
Base Loan
Remaing Calculation
Interest Accumulated Balance W/O Excludes
Payment Interest Buydown BuyDown
$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 $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
$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 $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
$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 $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
$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 $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
$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 $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
$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 $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
$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 $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
$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 $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
$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 $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
$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 $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
$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 $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
$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 $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
$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 $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
$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 $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
$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
BALANCE
0
This page is divided into two sections. The first calculates the overall grazing and hay requirement
number of livestock on the operation, i.e. we don't care where they are grazing, we just want to kno
how long they are eating forage. The second is a detailed grazing schedule by pasture. This provi
of where and how each type of animal will get its forage needs. It also tells us if we will be short or
grazing needs calculated in the first section.
Enter numbers in BLUE text, all others are calculated & Locked
Section one: Forage (Grazing and Hay) Requirements for the
Note: Mouse here for help
Average
Enter Type of Livestock Weight AUM Factor Lbs/Hay/Day
Cows 1300.0 1.2 33.0
Bulls 2000.0 1.5 49.0
Rep. Heifers 900.0 0.8 18.0
Horses 1300.0 1.25 30.0
Sheep 100.0 0.2 2.5
Other Livestock #1 0.0 0 0.0
Other Livestock #2 0.0 0 0.0
Other Livestock #3 0.0 0 0.0
Note Calves 450.0 0.6 10.0
Deer 130.0 0.2 3.0
Elk 900.0 0.6 22.0
Note 1000 << Start weight for AUM requirements
50 << Increment Wieght for Calcualted AUM table
Mature Calculated Young
Beef Lvstk AUM for Beef Lvstk
Note Avg. Weight Weight Avg. Weight
1,000 1.00 400
1,050 1.04 450
1,100 1.07 500
1,150 1.11 550
1,200 1.15 600
1,250 1.18 650
1,300 1.22 700
1,350 1.25 750
1,400 1.29 800
1,450 1.32 850
1,500 1.36 900
Enter dates in mo/day/yr format below: Examples 6/5/01 or 11/15/02 (Dates will d
Note Forage Requirements for ALL live
Grazing Period
Note Begin Date End Date Total Days No. of Head
Cows 5/1/2006 10/15/2006 167 100
Cows 10/15/2006 11/15/2006 31 100
Cows 0 0
Subtotal-AUMs Grazing for Cows
Begin Date End Date Total Days No. of Head
Bulls 6/1/2006 7/15/2006 44 4
Bulls 7/15/2006 11/15/2006 123 4
Bulls 0 0
Subtotal-AUMs Grazing for Bulls
Begin Date End Date Total Days No. of Head
Rep. Heifers 5/1/2006 11/1/2006 184 0
Rep. Heifers 0 0
Rep. Heifers 0 0
Subtotal-AUMs Grazing for Rep. Heifers
Begin Date End Date Total Days No. of Head
Horses 0 0
Horses 0 0
Horses 0 0
Subtotal-AUMs Grazing for Horses
Begin Date End Date Total Days No. of Head
Sheep 5/15/2006 10/15/2006 153 1000
Sheep 5/15/2006 10/15/2006 153 33
Sheep 0 0
Subtotal-AUMs Grazing for Sheep
Begin Date End Date Total Days No. of Head
Other Livestock #1 5/15/2006 10/15/2006 153 0
Other Livestock #1 5/15/2006 10/15/2006 153 0
Other Livestock #1 0 0
Subtotal-AUMs Grazing for Other Livestock #1
Begin Date End Date Total Days No. of Head
Other Livestock #2 5/15/2006 10/15/2006 153 0
Other Livestock #2 5/15/2006 10/15/2006 153 0
Other Livestock #2 0 0
Subtotal-AUMs Grazing for Other Livestock #2
Begin Date End Date Total Days No. of Head
Other Livestock #3 5/15/2006 10/15/2006 153 0
Other Livestock #3 5/15/2006 10/15/2006 153 0
Other Livestock #3 0 0
Subtotal-AUMs Grazing for Other Livestock #3
Begin Date End Date Total Days No. of Head
Note Calves 7/1/2006 10/15/2006 106 76
Calves 0 0
Calves 0 0
Subtotal-AUMs Grazing for Calves
Begin Date End Date Total Days No. of Head
Deer 0 0
Deer 0 0
Deer 0 0
Subtotal-AUMs Grazing for Deer
Begin Date End Date Total Days No. of Head
Elk 0 0
Elk 0 0
Elk 0 0
Subtotal-AUMs Grazing for Elk
Total AUMs Required for all types of livestock
Note Section two: Detailed Grazing Schedule --- (by pasture and type of Livesto
Type of mm/dd/yy
Pasture Name/Description Livestock Note Date In Date Out
Pasture ID Cows 5/1/2006 11/15/2006
Pasture ID Cows
Pasture ID Cows
Pasture ID Cows
Pasture ID Cows
Pasture ID Cows
Pasture ID Cows
Pasture ID Cows
Pasture ID Cows
Pasture ID Cows
Pasture ID Cows
Pasture ID Cows
Pasture ID Cows
Pasture ID Cows
Pasture ID Cows
Pasture ID Cows
Pasture ID Cows
Pasture ID Cows
Pasture ID Cows
Pasture ID Cows
Subtotal-Days of Grazing
Type of mm/dd/yy
Pasture Name/Description Livestock Date In Date Out
Pasture ID Bulls 6/1/2006 11/15/2006
Pasture ID Bulls
Pasture ID Bulls
Pasture ID Bulls
Pasture ID Bulls
Pasture ID Bulls
Pasture ID Bulls
Pasture ID Bulls
Pasture ID Bulls
Pasture ID Bulls
Pasture ID Bulls
Pasture ID Bulls
Pasture ID Bulls
Pasture ID Bulls
Pasture ID Bulls
Pasture ID Bulls
Pasture ID Bulls
Pasture ID Bulls
Pasture ID Bulls
Pasture ID Bulls
Pasture ID Bulls
Subtotal-Days of Grazing
Type of mm/dd/yy
Pasture Name/Description Livestock Date In Date Out
Pasture ID Rep. Heifers 6/2/2001 6/11/2001
Pasture ID Rep. Heifers
Pasture ID Rep. Heifers
Pasture ID Rep. Heifers
Pasture ID Rep. Heifers
Pasture ID Rep. Heifers
Pasture ID Rep. Heifers
Pasture ID Rep. Heifers
Pasture ID Rep. Heifers
Pasture ID Rep. Heifers
Pasture ID Rep. Heifers
Pasture ID Rep. Heifers
Pasture ID Rep. Heifers
Pasture ID Rep. Heifers
Pasture ID Rep. Heifers
Pasture ID Rep. Heifers
Pasture ID Rep. Heifers
Pasture ID Rep. Heifers
Pasture ID Rep. Heifers
Pasture ID Rep. Heifers
Pasture ID Rep. Heifers
Subtotal-Days of Grazing
Type of mm/dd/yy
Pasture Name/Description Livestock Date In Date Out
Pasture ID Horses 5/1/2001 7/30/2001
Pasture ID Horses
Pasture ID Horses
Pasture ID Horses
Pasture ID Horses
Pasture ID Horses
Pasture ID Horses
Pasture ID Horses
Pasture ID Horses
Pasture ID Horses
Pasture ID Horses
Pasture ID Horses
Pasture ID Horses
Pasture ID Horses
Pasture ID Horses
Pasture ID Horses
Pasture ID Horses
Pasture ID Horses
Pasture ID Horses
Pasture ID Horses
Pasture ID Horses
Subtotal-Days of Grazing
Type of mm/dd/yy
Pasture Name/Description Livestock Date In Date Out
Pasture ID Sheep 5/1/2001 7/30/2001
Pasture ID Sheep
Pasture ID Sheep
Pasture ID Sheep
Pasture ID Sheep
Pasture ID Sheep
Pasture ID Sheep
Pasture ID Sheep
Pasture ID Sheep
Pasture ID Sheep
Pasture ID Sheep
Pasture ID Sheep
Pasture ID Sheep
Pasture ID Sheep
Pasture ID Sheep
Pasture ID Sheep
Pasture ID Sheep
Pasture ID Sheep
Pasture ID Sheep
Pasture ID Sheep
Pasture ID Sheep
Subtotal-Days of Grazing
Type of mm/dd/yy
Pasture Name/Description Livestock Date In Date Out
Pasture ID Other Livestock #1 5/1/2001 7/30/2001
Pasture ID Other Livestock #1
Pasture ID Other Livestock #1
Pasture ID Other Livestock #1
Pasture ID Other Livestock #1
Pasture ID Other Livestock #1
Pasture ID Other Livestock #1
Pasture ID Other Livestock #1
Pasture ID Other Livestock #1
Pasture ID Other Livestock #1
Pasture ID Other Livestock #1
Pasture ID Other Livestock #1
Pasture ID Other Livestock #1
Pasture ID Other Livestock #1
Pasture ID Other Livestock #1
Pasture ID Other Livestock #1
Pasture ID Other Livestock #1
Pasture ID Other Livestock #1
Pasture ID Other Livestock #1
Pasture ID Other Livestock #1
Pasture ID Other Livestock #1
Subtotal-Days of Grazing
Type of mm/dd/yy
Pasture Name/Description Livestock Date In Date Out
Pasture ID Other Livestock #2 5/1/2001 7/30/2001
Pasture ID Other Livestock #2
Pasture ID Other Livestock #2
Pasture ID Other Livestock #2
Pasture ID Other Livestock #2
Pasture ID Other Livestock #2
Pasture ID Other Livestock #2
Pasture ID Other Livestock #2
Pasture ID Other Livestock #2
Pasture ID Other Livestock #2
Pasture ID Other Livestock #2
Pasture ID Other Livestock #2
Pasture ID Other Livestock #2
Pasture ID Other Livestock #2
Pasture ID Other Livestock #2
Pasture ID Other Livestock #2
Pasture ID Other Livestock #2
Pasture ID Other Livestock #2
Pasture ID Other Livestock #2
Pasture ID Other Livestock #2
Pasture ID Other Livestock #2
Subtotal-Days of Grazing
Type of mm/dd/yy
Pasture Name/Description Livestock Date In Date Out
Pasture ID Other Livestock #3 5/15/2006 10/15/2006
Pasture ID Other Livestock #3
Pasture ID Other Livestock #3
Pasture ID Other Livestock #3
Pasture ID Other Livestock #3
Pasture ID Other Livestock #3
Pasture ID Other Livestock #3
Pasture ID Other Livestock #3
Pasture ID Other Livestock #3
Pasture ID Other Livestock #3
Pasture ID Other Livestock #3
Pasture ID Other Livestock #3
Pasture ID Other Livestock #3
Pasture ID Other Livestock #3
Pasture ID Other Livestock #3
Pasture ID Other Livestock #3
Pasture ID Other Livestock #3
Pasture ID Other Livestock #3
Pasture ID Other Livestock #3
Pasture ID Other Livestock #3
Pasture ID Other Livestock #3
Subtotal-Days of Grazing
This portion of the Section 2 allows varing the AUMs required by date in and out (i.e. growing livesto
AUMs
Type of Required mm/dd/yy
Pasture Name/Description Livestock This Period Date In Date Out
Pasture ID Calves 0.6 7/1/2006 11/1/2006
Pasture ID Calves 0
Pasture ID Calves 0
Pasture ID Calves 0
Pasture ID Calves 0
Pasture ID Calves 0
Pasture ID Calves 0
Pasture ID Calves 0
Pasture ID Calves 0
Pasture ID Calves 0
Pasture ID Calves 0
Pasture ID Calves 0
Pasture ID Calves 0
Pasture ID Calves 0
Pasture ID Calves 0
Pasture ID Calves 0
Pasture ID Calves 0
Pasture ID Calves 0
Pasture ID Calves 0
Pasture ID Calves 0
Subtotal-Days of Grazing
Type of mm/dd/yy
Pasture Name/Description Livestock Date In Date Out
Pasture ID Deer 6/2/2001 6/11/2001
Pasture ID Deer
Pasture ID Deer
Pasture ID Deer
Pasture ID Deer
Pasture ID Deer
Pasture ID Deer
Pasture ID Deer
Pasture ID Deer
Pasture ID Deer
Pasture ID Deer
Pasture ID Deer
Pasture ID Deer
Pasture ID Deer
Pasture ID Deer
Pasture ID Deer
Pasture ID Deer
Pasture ID Deer
Pasture ID Deer
Pasture ID Deer
Pasture ID Deer
Subtotal-Days of Grazing
Type of mm/dd/yy
Pasture Name/Description Livestock Date In Date Out
Pasture ID Elk
Pasture ID Elk
Pasture ID Elk
Pasture ID Elk
Pasture ID Elk
Pasture ID Elk
Pasture ID Elk
Pasture ID Elk
Pasture ID Elk
Pasture ID Elk
Pasture ID Elk
Pasture ID Elk
Pasture ID Elk
Pasture ID Elk
Pasture ID Elk
Pasture ID Elk
Pasture ID Elk
Pasture ID Elk
Pasture ID Elk
Pasture ID Elk
Pasture ID Elk
Subtotal-Days of Grazing
Total AUMs Required for all Livestock and Big Ga
Total AUMs Taken from available pastures
Excess AUMs or AUM Deficiency
Total AUMs taken by big game animals
Total AUMs Taken by Livestock
The tables be list AUM factors for various types of livestock/wildlife that are co
accepted and used to calcualte stocking rates and carrying capacities on public a
C.O.I.N. Beef Book
Reference for
Type of Livestock
Cattle:
Cow, with or without unweaned calf at side, or heifer 2 years old or older
Bull, 2 years old or older
Young cattle, 1 to 2 years old
Weaned calves to yearlings
Horses:
Horse, mature
Horse, yearling
Weaning colt to filly
Sheep:
5 mature ewes, with or without unweanded lambs at side
5 rams, 2 years old or older
5 yearlings
5 weaned lambs to yearlings
Swine:
Sow
Boar
Pigs to 200 lbs (91kg)
Chickens:
75 layers or breeders
325 replacement pullets to 6 months of age
650 8 week old broilers
Turkeys:
35 breeders
40 turkeys raised to maturity
75 turkeys to 6 months of age
A Guide for Planning,
Analyzing, and Balancing
Table 6. Animal Unit Values (AU) for different kinds and classes of livestock and wildlife. The standard
for this guide is based on forage intake of a spring calving cow (1000 pound average milking ability) and
her calf (less than four months in age)
Kind/Class of Animal
Cow (1000 lb., spring calving, above average
milking ability,) and calf (less than 4 months of age)
Cow (1000 lb) non-lactating
Calf (from 4 months of age to weaning)
Replacement hiefers (18-24 months)
Yearling cattle (Long; 12-17 months)
Yearling cattle (Short; 7-12 months)
Young bulls (12-24 months)
Bulls (24-60 months)
Yearling horses
Two-year old horses
Mature horses
Mature lactating ewe (150 lb) and lamb (less than 2 months in age)
Mature non-lactating ewo (150 lb)
Lamb (2 months to weaning)
Lamb (weaned to yearling)
Lamb (yearling)
Ram
Goat (mature)
Kid (yearling)
White-tailed deer
Mule deer
Antelope
Bison (lactating cow)
Bison (bull)
Elk
Moose
Bighorn
Mountain goat
Blactailed jackrabbit
Whitetailed jackrabbit
Columbian ground squirrel
Praire dogs
grazing and hay requirement for the type and
grazing, we just want to know how many and
edule by pasture. This provides a detailed plan
tells us if we will be short or long on the total
ay) Requirements for the current operation:
requirements
Calcualted AUM table
Calculated The tables at left calculate the AUMs required based on the
AUM for "metabolic requirement ratio" for beef livestock. This ratio is
Weight calculated as:
0.50
(Weight of animal).75
0.55
(1000).75
0.59
0.64 Example: (1000 lb cow).75 = 1.0 AUM
0.68 (1000).75
0.72
See Extension Bulletin EB 101, A Guide for Planning, Analyzing
0.77
and Balancing Livestock Forage Supplies with Livstock Demand
0.81 and the AUMFactors tab in this worksheet.
0.85
0.89
0.92
es 6/5/01 or 11/15/02 (Dates will display differently after entry)
ge Requirements for ALL livestock for an Entire year:
Hay Period
Total
Total AUMs Tons Hay
Required Begin Date End Date Total Days No. of Head Required
668.0 11/15/2006 4/30/2007 166 100 273.9
124.0 0 0 0.0
0.0 0 0 0.0
792.0 SubTotal-Tons Hay for Cows 273.9
Total AUMs Begin Date End Date Total Days No. of Head Tons Hay
8.8 0 0 0.0
24.6 0 0 0.0
0.0 0 0 0.0
33.4 SubTotal-Tons Hay for Bulls 0.0
Total AUMs Begin Date End Date Total Days No. of Head Tons Hay
0.0 0 0 0.0
0.0 0 0 0.0
0.0 0 0 0.0
0.0 SubTotal-Tons Hay for Rep. Heifers 0.0
Total AUMs Begin Date End Date Total Days No. of Head Tons Hay
0.0 0 0 0.0
0.0 0 0 0.0
0.0 0 0 0.0
0.0 SubTotal-Tons Hay for Horses 0.0
Total AUMs Begin Date End Date Total Days No. of Head Tons Hay
1,020.0 0 0 0.0
33.7 0 0 0.0
0.0 0 0 0.0
1,053.7 SubTotal-Tons Hay for Sheep 0.0
Total AUMs Begin Date End Date Total Days No. of Head Tons Hay
0.0 0 0 0.0
0.0 0 0 0.0
0.0 0 0 0.0
0.0 SubTotal-Tons Hay for Other Livestock #1 0.0
Total AUMs Begin Date End Date Total Days No. of Head Tons Hay
0.0 0 0 0.0
0.0 0 0 0.0
0.0 0 0 0.0
0.0 SubTotal-Tons Hay for Other Livestock #2 0.0
Total AUMs Begin Date End Date Total Days No. of Head Tons Hay
0.0 0 0 0.0
0.0 0 0 0.0
0.0 0 0 0.0
0.0 SubTotal-Tons Hay for Other Livestock #3 0.0
Total AUMs Begin Date End Date Total Days No. of Head Tons Hay
161.1 0 0 0.0
0.0 0 0 0.0
0.0 0 0 0.0
161.1 SubTotal-Tons Hay for Calves 0.0
Total AUMs Begin Date End Date Total Days No. of Head Tons Hay
0.0 0 0 0.0
0.0 0 0 0.0
0.0 0 0 0.0
0.0 SubTotal-Tons Hay for Deer 0.0
Total AUMs Begin Date End Date Total Days No. of Head Tons Hay
0.0 0 0 0.0
0.0 0 0 0.0
0.0 0 0 0.0
0.0 SubTotal-Tons Hay for Elk 0.0
2,040.2 Total Tons Hay Required for all livestock 273.9
pasture and type of Livestock)
AUMs
Days ON Number Hd Taken
198 80 633.6
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
198 Subtotal-AUMs 633.6
AUMs
Days ON Number Hd Taken
167 4 33.4
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
167 Subtotal-AUMs 33.4
AUMs
Days ON Number Hd Taken
9 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
9 Subtotal-AUMs 0.0
AUMs
Days ON Number Hd Taken
90 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
90 Subtotal-AUMs 0.0
AUMs
Days ON Number Hd Taken
90 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
90 Subtotal-AUMs 0.0
AUMs
Days ON Number Hd Taken
90 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
90 Subtotal-AUMs 0.0
AUMs
Days ON Number Hd Taken
90 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
90 Subtotal-AUMs 0.0
AUMs
Days ON Number Hd Taken
153 1200 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
153 Subtotal-AUMs 0.0
n and out (i.e. growing livestock)
AUMs
Days ON Number Hd Taken
123 76 187.0
0 0 0.0
0 0 0.0
0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
123 Subtotal-AUMs 187.0
AUMs
Days ON Number Hd Taken
9 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
9 Subtotal-AUMs 0.0
AUMs
Days ON Number Hd Taken
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 0 0.0
0 Subtotal-AUMs 0.0
quired for all Livestock and Big Game 2,040.2
ken from available pastures 854.0
or AUM Deficiency 1,186.2
0.0
854.0
s of livestock/wildlife that are commonly
d carrying capacities on public and private land.
Animal
Unit
Months
2 years old or older 1.00
1.30
0.80
0.60
1.30
1.00
0.75
1.00
1.30
0.80
0.60
0.40
0.50
0.20
1.00
1.00
1.00
1.00
1.00
1.00
nd wildlife. The standard
erage milking ability) and
# of
Animals
AU
Equal to 1
AU
1.00 1.0
0.90 1.1
0.30 3.3
1.00 1.0
0.75 1.4
0.50 2.0
1.20 0.8
1.50 0.6
0.75 1.3
1.00 1.0
1.25 0.8
0.20 5.0
0.18 5.5
0.06 16.7
0.12 8.3
0.15 6.6
0.25 4.0
0.15 6.6
0.10 10.0
0.15 6.6
0.20 5.0
0.20 5.0
0.90 1.1
1.50 0.66
0.60 1.7
1.00 1.0
0.20 5.0
0.15 6.6
0.016 62
0.02 48
0.003 385
0.004 256
