ARM Loan Calculator Template

Page 1 of 4 Adjustable Rate Mortgage (ARM) Calculator © 2005 Vertex42, LLC v 1.1 Download from Vertex42.com Loan Information Loan amount 150,000 $ Term (years) 15 Starting interest rate 6.500% First payment date 1/1/2007 Starting monthly payment $1,306.66 Rate Adjustments Rate remains fixed for 3 years Months between adjustments 12 Expected adjustment 0.250% Interest rate cap 12.000% Est. Max rate 9.50% Est. Max monthly payment $1,427.48 Total payments $247,007.26 Total interest $97,007.26 Internal Rate of Return 7.13% No. Payment Date Interest Rate Payment Due Additional Payment Interest Principal Balance Cumulative Interest Cumulative Principal (150,000) $ 150,000 $ 1 1/1/2007 6.500% 1,306.66 0.00 812.50 494.16 149,505.84 812.50 494.16 2 2/1/2007 6.500% 1,306.66 809.82 496.84 149,009.00 1,622.32 991.00 3 3/1/2007 6.500% 1,306.66 807.13 499.53 148,509.47 2,429.45 1,490.53 4 4/1/2007 6.500% 1,306.66 804.43 502.23 148,007.24 3,233.88 1,992.76 5 5/1/2007 6.500% 1,306.66 801.71 504.95 147,502.29 4,035.59 2,497.71 6 6/1/2007 6.500% 1,306.66 798.97 507.69 146,994.60 4,834.56 3,005.40 7 7/1/2007 6.500% 1,306.66 796.22 510.44 146,484.16 5,630.78 3,515.84 8 8/1/2007 6.500% 1,306.66 793.46 513.20 145,970.96 6,424.24 4,029.04 9 9/1/2007 6.500% 1,306.66 790.68 515.98 145,454.98 7,214.92 4,545.02 10 10/1/2007 6.500% 1,306.66 787.88 518.78 144,936.20 8,002.80 5,063.80 11 11/1/2007 6.500% 1,306.66 785.07 521.59 144,414.61 8,787.87 5,585.39 12 12/1/2007 6.500% 1,306.66 782.25 524.41 143,890.20 9,570.12 6,109.80 13 1/1/2008 6.500% 1,306.66 779.41 527.25 143,362.95 10,349.53 6,637.05 14 2/1/2008 6.500% 1,306.66 776.55 530.11 142,832.84 11,126.08 7,167.16 15 3/1/2008 6.500% 1,306.66 773.68 532.98 142,299.86 11,899.76 7,700.14 16 4/1/2008 6.500% 1,306.66 770.79 535.87 141,763.99 12,670.55 8,236.01 17 5/1/2008 6.500% 1,306.66 767.89 538.77 141,225.22 13,438.44 8,774.78 18 6/1/2008 6.500% 1,306.66 764.97 541.69 140,683.53 14,203.41 9,316.47 19 7/1/2008 6.500% 1,306.66 762.04 544.62 140,138.91 14,965.45 9,861.09 20 8/1/2008 6.500% 1,306.66 759.09 547.57 139,591.34 15,724.54 10,408.66 21 9/1/2008 6.500% 1,306.66 756.12 550.54 139,040.80 16,480.66 10,959.20 22 10/1/2008 6.500% 1,306.66 753.14 553.52 138,487.28 17,233.80 11,512.72 23 11/1/2008 6.500% 1,306.66 750.14 556.52 137,930.76 17,983.94 12,069.24 24 12/1/2008 6.500% 1,306.66 747.12 559.54 137,371.22 18,731.06 12,628.78 25 1/1/2009 6.500% 1,306.66 744.09 562.57 136,808.65 19,475.15 13,191.35 26 2/1/2009 6.500% 1,306.66 741.05 565.61 136,243.04 20,216.20 13,756.96 27 3/1/2009 6.500% 1,306.66 737.98 568.68 135,674.36 20,954.18 14,325.64 28 4/1/2009 6.500% 1,306.66 734.90 571.76 135,102.60 21,689.08 14,897.40 $-$20,000 $40,000 $60,000 $80,000 $100,000 $120,000 $140,000 $160,000 0 50 100 150 200 Month Loan Balance Cumulative Principal Cumulative Interest 0% 2% 4% 6% 8% 10% 0 50 100 150 200 Month Interest Rate Interest Rate History http://www.vertex42.com/ExcelTemplates/arm-calculator.html © 2005 Vertex42 LLCPage 2 of 4 29 5/1/2009 6.500% 1,306.66 731.81 574.85 134,527.75 22,420.89 15,472.25 30 6/1/2009 6.500% 1,306.66 728.69 577.97 133,949.78 23,149.58 16,050.22 31 7/1/2009 6.500% 1,306.66 725.56 581.10 133,368.68 23,875.14 16,631.32 32 8/1/2009 6.500% 1,306.66 722.41 584.25 132,784.43 24,597.55 17,215.57 33 9/1/2009 6.500% 1,306.66 719.25 587.41 132,197.02 25,316.80 17,802.98 34 10/1/2009 6.500% 1,306.66 716.07 590.59 131,606.43 26,032.87 18,393.57 35 11/1/2009 6.500% 1,306.66 712.87 593.79 131,012.64 26,745.74 18,987.36 36 12/1/2009 6.500% 1,306.66 709.65 597.01 130,415.63 27,455.39 19,584.37 37 1/1/2010 6.750% 1,323.85 733.59 590.26 129,825.37 28,188.98 20,174.63 38 2/1/2010 6.750% 1,323.85 730.27 593.58 129,231.79 28,919.25 20,768.21 39 3/1/2010 6.750% 1,323.85 726.93 596.92 128,634.87 29,646.18 21,365.13 40 4/1/2010 6.750% 1,323.85 723.57 600.28 128,034.59 30,369.75 21,965.41 41 5/1/2010 6.750% 1,323.85 720.19 603.66 127,430.93 31,089.94 22,569.07 42 6/1/2010 6.750% 1,323.85 716.80 607.05 126,823.88 31,806.74 23,176.12 43 7/1/2010 6.750% 1,323.85 713.38 610.47 126,213.41 32,520.12 23,786.59 44 8/1/2010 6.750% 1,323.85 709.95 613.90 125,599.51 33,230.07 24,400.49 45 9/1/2010 6.750% 1,323.85 706.50 617.35 124,982.16 33,936.57 25,017.84 46 10/1/2010 6.750% 1,323.85 703.02 620.83 124,361.33 34,639.59 25,638.67 47 11/1/2010 6.750% 1,323.85 699.53 624.32 123,737.01 35,339.12 26,262.99 48 12/1/2010 6.750% 1,323.85 696.02 627.83 123,109.18 36,035.14 26,890.82 49 1/1/2011 7.000% 1,339.93 718.14 621.79 122,487.39 36,753.28 27,512.61 50 2/1/2011 7.000% 1,339.93 714.51 625.42 121,861.97 37,467.79 28,138.03 51 3/1/2011 7.000% 1,339.93 710.86 629.07 121,232.90 38,178.65 28,767.10 52 4/1/2011 7.000% 1,339.93 707.19 632.74 120,600.16 38,885.84 29,399.84 53 5/1/2011 7.000% 1,339.93 703.50 636.43 119,963.73 39,589.34 30,036.27 54 6/1/2011 7.000% 1,339.93 699.79 640.14 119,323.59 40,289.13 30,676.41 55 7/1/2011 7.000% 1,339.93 696.05 643.88 118,679.71 40,985.18 31,320.29 56 8/1/2011 7.000% 1,339.93 692.30 647.63 118,032.08 41,677.48 31,967.92 57 9/1/2011 7.000% 1,339.93 688.52 651.41 117,380.67 42,366.00 32,619.33 58 10/1/2011 7.000% 1,339.93 684.72 655.21 116,725.46 43,050.72 33,274.54 59 11/1/2011 7.000% 1,339.93 680.90 659.03 116,066.43 43,731.62 33,933.57 60 12/1/2011 7.000% 1,339.93 677.05 662.88 115,403.55 44,408.67 34,596.45 61 1/1/2012 7.250% 1,354.85 697.23 657.62 114,745.93 45,105.90 35,254.07 62 2/1/2012 7.250% 1,354.85 693.26 661.59 114,084.34 45,799.16 35,915.66 63 3/1/2012 7.250% 1,354.85 689.26 665.59 113,418.75 46,488.42 36,581.25 64 4/1/2012 7.250% 1,354.85 685.24 669.61 112,749.14 47,173.66 37,250.86 65 5/1/2012 7.250% 1,354.85 681.19 673.66 112,075.48 47,854.85 37,924.52 66 6/1/2012 7.250% 1,354.85 677.12 677.73 111,397.75 48,531.97 38,602.25 67 7/1/2012 7.250% 1,354.85 673.03 681.82 110,715.93 49,205.00 39,284.07 68 8/1/2012 7.250% 1,354.85 668.91 685.94 110,029.99 49,873.91 39,970.01 69 9/1/2012 7.250% 1,354.85 664.76 690.09 109,339.90 50,538.67 40,660.10 70 10/1/2012 7.250% 1,354.85 660.60 694.25 108,645.65 51,199.27 41,354.35 71 11/1/2012 7.250% 1,354.85 656.40 698.45 107,947.20 51,855.67 42,052.80 72 12/1/2012 7.250% 1,354.85 652.18 702.67 107,244.53 52,507.85 42,755.47 73 1/1/2013 7.500% 1,368.55 670.28 698.27 106,546.26 53,178.13 43,453.74 74 2/1/2013 7.500% 1,368.55 665.91 702.64 105,843.62 53,844.04 44,156.38 75 3/1/2013 7.500% 1,368.55 661.52 707.03 105,136.59 54,505.56 44,863.41 76 4/1/2013 7.500% 1,368.55 657.10 711.45 104,425.14 55,162.66 45,574.86 77 5/1/2013 7.500% 1,368.55 652.66 715.89 103,709.25 55,815.32 46,290.75 78 6/1/2013 7.500% 1,368.55 648.18 720.37 102,988.88 56,463.50 47,011.12 79 7/1/2013 7.500% 1,368.55 643.68 724.87 102,264.01 57,107.18 47,735.99 80 8/1/2013 7.500% 1,368.55 639.15 729.40 101,534.61 57,746.33 48,465.39 81 9/1/2013 7.500% 1,368.55 634.59 733.96 100,800.65 58,380.92 49,199.35 82 10/1/2013 7.500% 1,368.55 630.00 738.55 100,062.10 59,010.92 49,937.90 83 11/1/2013 7.500% 1,368.55 625.39 743.16 99,318.94 59,636.31 50,681.06 84 12/1/2013 7.500% 1,368.55 620.74 747.81 98,571.13 60,257.05 51,428.87 85 1/1/2014 7.750% 1,380.98 636.61 744.37 97,826.76 60,893.66 52,173.24 86 2/1/2014 7.750% 1,380.98 631.80 749.18 97,077.58 61,525.46 52,922.42 http://www.vertex42.com/ExcelTemplates/arm-calculator.html © 2005 Vertex42 LLCPage 3 of 4 87 3/1/2014 7.750% 1,380.98 626.96 754.02 96,323.56 62,152.42 53,676.44 88 4/1/2014 7.750% 1,380.98 622.09 758.89 95,564.67 62,774.51 54,435.33 89 5/1/2014 7.750% 1,380.98 617.19 763.79 94,800.88 63,391.70 55,199.12 90 6/1/2014 7.750% 1,380.98 612.26 768.72 94,032.16 64,003.96 55,967.84 91 7/1/2014 7.750% 1,380.98 607.29 773.69 93,258.47 64,611.25 56,741.53 92 8/1/2014 7.750% 1,380.98 602.29 778.69 92,479.78 65,213.54 57,520.22 93 9/1/2014 7.750% 1,380.98 597.27 783.71 91,696.07 65,810.81 58,303.93 94 10/1/2014 7.750% 1,380.98 592.20 788.78 90,907.29 66,403.01 59,092.71 95 11/1/2014 7.750% 1,380.98 587.11 793.87 90,113.42 66,990.12 59,886.58 96 12/1/2014 7.750% 1,380.98 581.98 799.00 89,314.42 67,572.10 60,685.58 97 1/1/2015 8.000% 1,392.07 595.43 796.64 88,517.78 68,167.53 61,482.22 98 2/1/2015 8.000% 1,392.07 590.12 801.95 87,715.83 68,757.65 62,284.17 99 3/1/2015 8.000% 1,392.07 584.77 807.30 86,908.53 69,342.42 63,091.47 100 4/1/2015 8.000% 1,392.07 579.39 812.68 86,095.85 69,921.81 63,904.15 101 5/1/2015 8.000% 1,392.07 573.97 818.10 85,277.75 70,495.78 64,722.25 102 6/1/2015 8.000% 1,392.07 568.52 823.55 84,454.20 71,064.30 65,545.80 103 7/1/2015 8.000% 1,392.07 563.03 829.04 83,625.16 71,627.33 66,374.84 104 8/1/2015 8.000% 1,392.07 557.50 834.57 82,790.59 72,184.83 67,209.41 105 9/1/2015 8.000% 1,392.07 551.94 840.13 81,950.46 72,736.77 68,049.54 106 10/1/2015 8.000% 1,392.07 546.34 845.73 81,104.73 73,283.11 68,895.27 107 11/1/2015 8.000% 1,392.07 540.70 851.37 80,253.36 73,823.81 69,746.64 108 12/1/2015 8.000% 1,392.07 535.02 857.05 79,396.31 74,358.83 70,603.69 109 1/1/2016 8.250% 1,401.79 545.85 855.94 78,540.37 74,904.68 71,459.63 110 2/1/2016 8.250% 1,401.79 539.97 861.82 77,678.55 75,444.65 72,321.45 111 3/1/2016 8.250% 1,401.79 534.04 867.75 76,810.80 75,978.69 73,189.20 112 4/1/2016 8.250% 1,401.79 528.07 873.72 75,937.08 76,506.76 74,062.92 113 5/1/2016 8.250% 1,401.79 522.07 879.72 75,057.36 77,028.83 74,942.64 114 6/1/2016 8.250% 1,401.79 516.02 885.77 74,171.59 77,544.85 75,828.41 115 7/1/2016 8.250% 1,401.79 509.93 891.86 73,279.73 78,054.78 76,720.27 116 8/1/2016 8.250% 1,401.79 503.80 897.99 72,381.74 78,558.58 77,618.26 117 9/1/2016 8.250% 1,401.79 497.62 904.17 71,477.57 79,056.20 78,522.43 118 10/1/2016 8.250% 1,401.79 491.41 910.38 70,567.19 79,547.61 79,432.81 119 11/1/2016 8.250% 1,401.79 485.15 916.64 69,650.55 80,032.76 80,349.45 120 12/1/2016 8.250% 1,401.79 478.85 922.94 68,727.61 80,511.61 81,272.39 121 1/1/2017 8.500% 1,410.05 486.82 923.23 67,804.38 80,998.43 82,195.62 122 2/1/2017 8.500% 1,410.05 480.28 929.77 66,874.61 81,478.71 83,125.39 123 3/1/2017 8.500% 1,410.05 473.70 936.35 65,938.26 81,952.41 84,061.74 124 4/1/2017 8.500% 1,410.05 467.06 942.99 64,995.27 82,419.47 85,004.73 125 5/1/2017 8.500% 1,410.05 460.38 949.67 64,045.60 82,879.85 85,954.40 126 6/1/2017 8.500% 1,410.05 453.66 956.39 63,089.21 83,333.51 86,910.79 127 7/1/2017 8.500% 1,410.05 446.88 963.17 62,126.04 83,780.39 87,873.96 128 8/1/2017 8.500% 1,410.05 440.06 969.99 61,156.05 84,220.45 88,843.95 129 9/1/2017 8.500% 1,410.05 433.19 976.86 60,179.19 84,653.64 89,820.81 130 10/1/2017 8.500% 1,410.05 426.27 983.78 59,195.41 85,079.91 90,804.59 131 11/1/2017 8.500% 1,410.05 419.30 990.75 58,204.66 85,499.21 91,795.34 132 12/1/2017 8.500% 1,410.05 412.28 997.77 57,206.89 85,911.49 92,793.11 133 1/1/2018 8.750% 1,416.81 417.13 999.68 56,207.21 86,328.62 93,792.79 134 2/1/2018 8.750% 1,416.81 409.84 1,006.97 55,200.24 86,738.46 94,799.76 135 3/1/2018 8.750% 1,416.81 402.50 1,014.31 54,185.93 87,140.96 95,814.07 136 4/1/2018 8.750% 1,416.81 395.11 1,021.70 53,164.23 87,536.07 96,835.77 137 5/1/2018 8.750% 1,416.81 387.66 1,029.15 52,135.08 87,923.73 97,864.92 138 6/1/2018 8.750% 1,416.81 380.15 1,036.66 51,098.42 88,303.88 98,901.58 139 7/1/2018 8.750% 1,416.81 372.59 1,044.22 50,054.20 88,676.47 99,945.80 140 8/1/2018 8.750% 1,416.81 364.98 1,051.83 49,002.37 89,041.45 100,997.63 141 9/1/2018 8.750% 1,416.81 357.31 1,059.50 47,942.87 89,398.76 102,057.13 142 10/1/2018 8.750% 1,416.81 349.58 1,067.23 46,875.64 89,748.34 103,124.36 143 11/1/2018 8.750% 1,416.81 341.80 1,075.01 45,800.63 90,090.14 104,199.37 144 12/1/2018 8.750% 1,416.81 333.96 1,082.85 44,717.78 90,424.10 105,282.22 http://www.vertex42.com/ExcelTemplates/arm-calculator.html © 2005 Vertex42 LLCPage 4 of 4 145 1/1/2019 9.000% 1,422.01 335.38 1,086.63 43,631.15 90,759.48 106,368.85 146 2/1/2019 9.000% 1,422.01 327.23 1,094.78 42,536.37 91,086.71 107,463.63 147 3/1/2019 9.000% 1,422.01 319.02 1,102.99 41,433.38 91,405.73 108,566.62 148 4/1/2019 9.000% 1,422.01 310.75 1,111.26 40,322.12 91,716.48 109,677.88 149 5/1/2019 9.000% 1,422.01 302.42 1,119.59 39,202.53 92,018.90 110,797.47 150 6/1/2019 9.000% 1,422.01 294.02 1,127.99 38,074.54 92,312.92 111,925.46 151 7/1/2019 9.000% 1,422.01 285.56 1,136.45 36,938.09 92,598.48 113,061.91 152 8/1/2019 9.000% 1,422.01 277.04 1,144.97 35,793.12 92,875.52 114,206.88 153 9/1/2019 9.000% 1,422.01 268.45 1,153.56 34,639.56 93,143.97 115,360.44 154 10/1/2019 9.000% 1,422.01 259.80 1,162.21 33,477.35 93,403.77 116,522.65 155 11/1/2019 9.000% 1,422.01 251.08 1,170.93 32,306.42 93,654.85 117,693.58 156 12/1/2019 9.000% 1,422.01 242.30 1,179.71 31,126.71 93,897.15 118,873.29 157 1/1/2020 9.250% 1,425.59 239.94 1,185.65 29,941.06 94,137.09 120,058.94 158 2/1/2020 9.250% 1,425.59 230.80 1,194.79 28,746.27 94,367.89 121,253.73 159 3/1/2020 9.250% 1,425.59 221.59 1,204.00 27,542.27 94,589.48 122,457.73 160 4/1/2020 9.250% 1,425.59 212.30 1,213.29 26,328.98 94,801.78 123,671.02 161 5/1/2020 9.250% 1,425.59 202.95 1,222.64 25,106.34 95,004.73 124,893.66 162 6/1/2020 9.250% 1,425.59 193.53 1,232.06 23,874.28 95,198.26 126,125.72 163 7/1/2020 9.250% 1,425.59 184.03 1,241.56 22,632.72 95,382.29 127,367.28 164 8/1/2020 9.250% 1,425.59 174.46 1,251.13 21,381.59 95,556.75 128,618.41 165 9/1/2020 9.250% 1,425.59 164.82 1,260.77 20,120.82 95,721.57 129,879.18 166 10/1/2020 9.250% 1,425.59 155.10 1,270.49 18,850.33 95,876.67 131,149.67 167 11/1/2020 9.250% 1,425.59 145.30 1,280.29 17,570.04 96,021.97 132,429.96 168 12/1/2020 9.250% 1,425.59 135.44 1,290.15 16,279.89 96,157.41 133,720.11 169 1/1/2021 9.500% 1,427.48 128.88 1,298.60 14,981.29 96,286.29 135,018.71 170 2/1/2021 9.500% 1,427.48 118.60 1,308.88 13,672.41 96,404.89 136,327.59 171 3/1/2021 9.500% 1,427.48 108.24 1,319.24 12,353.17 96,513.13 137,646.83 172 4/1/2021 9.500% 1,427.48 97.80 1,329.68 11,023.49 96,610.93 138,976.51 173 5/1/2021 9.500% 1,427.48 87.27 1,340.21 9,683.28 96,698.20 140,316.72 174 6/1/2021 9.500% 1,427.48 76.66 1,350.82 8,332.46 96,774.86 141,667.54 175 7/1/2021 9.500% 1,427.48 65.97 1,361.51 6,970.95 96,840.83 143,029.05 176 8/1/2021 9.500% 1,427.48 55.19 1,372.29 5,598.66 96,896.02 144,401.34 177 9/1/2021 9.500% 1,427.48 44.32 1,383.16 4,215.50 96,940.34 145,784.50 178 10/1/2021 9.500% 1,427.48 33.37 1,394.11 2,821.39 96,973.71 147,178.61 179 11/1/2021 9.500% 1,427.48 22.34 1,405.14 1,416.25 96,996.05 148,583.75 180 12/1/2021 9.500% 1,427.46 11.21 1,416.25 0.00 97,007.26 150,000.00 http://www.vertex42.com/ExcelTemplates/arm-calculator.html © 2005 Vertex42 LLC