Brother and Sister Hopeful Current Budget

Brother Hopeful net income/ month

Sister Hopeful net income/ month
Total Net Income

$ 4,800.00
$
350.00
$ 5,150.00

Tithes
Offerings
1st Mortgage
2nd Mortgage
Food
All Utilities
Car Insurance
Medical Insurance
Life Insurance
Car Fuel
Internet
Cable
Home Phone
Cell Phones
Bowling league
Children Lessons
Laundry
Gifts
Dry Cleaning
Newspaper
Misc.

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

$
615.00
$
35.00
$ 1,149.00
$
582.82
$
450.00
$
275.00
$
120.00
$
200.00
$
70.00
$
170.00
$
25.00
$
95.00
$
75.00
$
85.00
$
85.00
$
155.00
$
30.00
$
15.00
$
20.00
$
35.00
$
30.00

4,535.00
4,500.00
3,351.00
2,768.18
2,318.18
2,043.18
1,923.18
1,723.18
1,653.18
1,483.18
1,458.18
1,363.18
1,288.18
1,203.18
1,118.18
963.18
933.18
918.18
898.18
863.18
833.18

Current Payments
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Car Loan
Gas Credit Card
Medical Bill

$158.00
$34.67
$274.37
$280.85
$200.00
$92.72
$65.07

This is Brother and Sister Hopeful's current budget.

It is clear they are spending more than they earn.
We need to make adjustments to their budget to find an
additional $100 that could go toward paying off debt
faster.

$675.18
$640.51
$366.14
$85.29
($114.71)
($207.43)
($272.50)

Brother and Sister Hopeful Current Budget

Brother Hopeful net income/ month
Sister Hopeful net income/ month
Total Net Income

$ 4,800.00
$
350.00
$ 5,150.00

Tithes
Offerings
1st Mortgage
2nd Mortgage
Food
All Utilities
Car Insurance
Medical Insurance
Life Insurance
Car Fuel
Internet
Cable
Home Phone
Cell Phones
Bowling league
Children Lessons
Laundry
Gifts
Dry Cleaning
Newspaper
Misc.
Total

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

$
615.00
$
35.00
$ 1,149.00
$
582.82
$
450.00
$
275.00
$
120.00
$
200.00
$
70.00
$
170.00
$
25.00
$
95.00
$
75.00
$
85.00
$
85.00
$
155.00
$
30.00
$
15.00
$
20.00
$
35.00
$
30.00
$ 3,801.82

4,535.00
4,500.00
3,351.00
2,768.18
2,318.18
2,043.18
1,923.18
1,723.18
1,653.18
1,483.18
1,458.18
1,363.18
1,288.18
1,398.18
1,313.18
1,243.18
1,453.18
1,438.18
1,433.18
1,398.18
1,403.18
1,348.18

Current Payments
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Car Loan
Gas Credit Card
Medical Bill

$158.00
$34.67
$274.37
$280.85
$200.00
$92.72
$65.07

$ 1,190.18
$1,155.51
$881.14
$600.29
$400.29
$307.57
$242.50

By cutting out all unnecessary expenditures out of the budget,

I have found the required $100 extra dollars to go towards the
debt roll-over.

Listing of all debts

Debt
Credit Card #2
Medical Bill
Gas Credit Card
Car Loan
Credit Card #1
Credit Card #3
Credit Union Loan
2nd Mortgage
1st Mortgage
Total Debt

Rate
15.0%
15.0%
12.0%
7.0%
12.0%
11.0%
6.0%
9.5%
6.0%

Principal
$1,000.00
$1,876.95
$1,969.78
$5,200.00
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.78

Monthly Income Needed???

Annual Income Needed???
How many years to get completely out of debt?
How much in the back when you complete 30 years of payments?

# of Pmts
36
36
24
28
48
60
84
142
147

$ / mth
$34.67
$65.07
$92.72
$200.00
$158.00
$274.37
$280.85
$582.82
$1,149.00
$2,837.50
$8,107.14
$97,285.71

Real Debt
$1,248.12
$2,342.52
$2,225.28
$5,600.00
$7,584.00
$16,462.20
$23,591.40
$82,760.44
$168,903.00
$310,716.96

Listing of all debts

Debt
Credit Card
Medical Bill
Gas Credit C
Car Loan
Credit Card
Credit Card
Credit Unio
2nd Mortgag
1st Mortgag

Rate
15.0%
15.0%
12.0%
7.0%
12.0%
11.0%
6.0%
9.5%
6.0%

Total Debt
Monthly Income Needed???
Annual Income Needed???

Principal # of Pmts
$1,000.00
36
$1,876.95
36
$1,969.78
24
$5,200.00
28
$6,000.00
48
$12,619.08
60
$19,225.00
84
$49,612.40
142
$119,412.57
147

$ / mth
$34.67
$65.07
$92.72
$200.00
$158.00
$274.37
$280.85
$582.82
$1,149.00

Real Debt
$1,248.12
$2,342.52
$2,225.28
$5,600.00
$7,584.00
$16,462.20
$23,591.40
$82,760.44
$168,903.00

$216,915.78

$2,837.50

$310,716.96

$8,107.14
$97,285.71

How many years to get completely out of debt?

How much in the back when you complete 30 years of payments?

Month
1
2
3
4
5
6
7
8
9

Payment
$
134.67
$
134.67
$
134.67
$
134.67
$
134.67
$
134.67
$
134.67
$
134.67
$
134.67

Interest
$
12.50
$
10.97
$
9.43
$
7.86
$
6.28
$
4.67
$
3.05
$
1.40
$
(0.27)

Principal
$
122.17
$
123.70
$
125.24
$
126.81
$
128.39
$
130.00
$
131.62
$
133.27
$
134.94

$
$
$
$
$
$
$
$
$

Remaining Balance
1,000.00
877.83
754.13
628.89
502.08
373.69
243.69
112.06
(21.21)

First Debt = $34.67 + $100.00 = $

An extra $100 is applied to princ

irst Debt = $34.67 + $100.00 = $134.6

An extra $100 is applied to principal from adjusting the monthly budget

Listing of all debts

Debt
Credit Card #2
Medical Bill
Gas Credit Card
Car Loan
Credit Card #1
Credit Card #3
Credit Union Loan
2nd Mortgage
1st Mortgage
Total Debt

Rate
15.0%
15.0%
12.0%
7.0%
12.0%
11.0%
6.0%
9.5%
6.0%

Principal
$1,000.00
$1,876.95
$1,969.78
$5,200.00
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.78

Monthly Income Needed???

Annual Income Needed???
How many years to get completely out of debt?
How much in the back when you complete 30 years of payments?

# of Pmts
36
36
24
28
48
60
84
142
147

$ / mth
$34.67
$65.07
$92.72
$200.00
$158.00
$274.37
$280.85
$582.82
$1,149.00

Real Debt
$1,248.12
$2,342.52
$2,225.28
$5,600.00
$7,584.00
$16,462.20
$23,591.40
$82,760.44
$168,903.00

$2,837.50

$310,716.96

$8,107.14
$97,285.71

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18

Payment
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
199.67
199.67
199.67
199.67
199.67
199.67
199.67
199.67
199.67
199.67

Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Principal
23.46
22.94
22.42
21.88
21.34
20.80
20.24
19.68
19.11
16.86
14.57
12.26
9.92
7.54
5.14
2.71
0.25
(2.24)

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

41.61
42.13
42.65
43.19
43.73
44.27
44.83
45.39
180.56
182.81
185.10
187.41
189.75
192.13
194.53
196.96
199.42
201.91

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Remaining Balance
1,876.95
1,835.34
1,793.21
1,750.56
1,707.37
1,663.64
1,619.37
1,574.54
1,529.15
1,348.60
1,165.78
980.69
793.28
603.52
411.40
216.87
19.91
(179.51)

Second Debt = $65.07 + $134.60 = $199.67

After 8 months, payment goes to $199.67

Listing of all debts

Debt
Credit Card #2
Medical Bill
Gas Credit Card
Car Loan
Credit Card #1
Credit Card #3
Credit Union Loan
2nd Mortgage
1st Mortgage
Total Debt

Rate
15.0%
15.0%
12.0%
7.0%
12.0%
11.0%
6.0%
9.5%
6.0%

Principal
$1,000.00
$1,876.95
$1,969.78
$5,200.00
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.78

Monthly Income Needed???

Annual Income Needed???
How many years to get completely out of debt?
How much in the back when you complete 30 years of payments?

# of Pmts
36
36
24
28
48
60
84
142
147

$ / mth
$34.67
$65.07
$92.72
$200.00
$158.00
$274.37
$280.85
$582.82
$1,149.00

Real Debt
$1,248.12
$2,342.52
$2,225.28
$5,600.00
$7,584.00
$16,462.20
$23,591.40
$82,760.44
$168,903.00

$2,837.50

$310,716.96

$8,107.14
$97,285.71

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21

Payment
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
292.39
292.39
292.39

Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Principal
19.70
18.97
18.23
17.49
16.73
15.97
15.21
14.43
13.65
12.86
12.06
11.25
10.44
9.61
8.78
7.94
7.10
6.24
5.37
2.50
(0.39)

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

73.02
73.75
74.49
75.23
75.99
76.75
77.51
78.29
79.07
79.86
80.66
81.47
82.28
83.11
83.94
84.78
85.62
86.48
287.02
289.89
292.78

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Remaining Balance
1,969.78
1,896.76
1,823.01
1,748.52
1,673.28
1,597.29
1,520.55
1,443.03
1,364.74
1,285.67
1,205.81
1,125.14
1,043.68
961.39
878.29
794.35
709.57
623.95
537.47
250.45
(39.43)

Third Debt = $92.72 + $199.67 = $292.39

After 18 months, Payment goes to $292.39

Listing of all debts

Debt
Credit Card #2
Medical Bill
Gas Credit Card
Car Loan
Credit Card #1
Credit Card #3
Credit Union Loan
2nd Mortgage
1st Mortgage
Total Debt

Rate
15.0%
15.0%
12.0%
7.0%
12.0%
11.0%
6.0%
9.5%
6.0%

Principal
$1,000.00
$1,876.95
$1,969.78
$5,200.00
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.78

Monthly Income Needed???

Annual Income Needed???
How many years to get completely out of debt?
How much in the back when you complete 30 years of payments?

# of Pmts
36
36
24
28
48
60
84
142
147

$ / mth
$34.67
$65.07
$92.72
$200.00
$158.00
$274.37
$280.85
$582.82
$1,149.00

Real Debt
$1,248.12
$2,342.52
$2,225.28
$5,600.00
$7,584.00
$16,462.20
$23,591.40
$82,760.44
$168,903.00

$2,837.50

$310,716.96

$8,107.14
$97,285.71

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Payment
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
492.39
492.39
492.39
492.39

Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

30.33
29.34
28.35
27.35
26.34
25.33
24.31
23.28
22.25
21.22
20.17
19.12
18.07
17.01
15.94
14.87
13.79
12.70
11.61
10.51
9.40
8.29
5.47
2.63
(0.23)

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Principal
169.67
170.66
171.65
172.65
173.66
174.67
175.69
176.72
177.75
178.78
179.83
180.88
181.93
182.99
184.06
185.13
186.21
187.30
188.39
189.49
190.60
484.10
486.92
489.76
492.62

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Remaining Balance
5,200.00
5,030.33
4,859.68
4,688.03
4,515.37
4,341.71
4,167.04
3,991.35
3,814.63
3,636.88
3,458.10
3,278.27
3,097.39
2,915.46
2,732.47
2,548.41
2,363.27
2,177.06
1,989.76
1,801.36
1,611.87
1,421.27
937.17
450.25
(39.51)

Fourth Debt = $200 + $292.39 = $492.39

After 21 months, payment goes to 492.39

Listing of all debts

Debt
Credit Card #2
Medical Bill
Gas Credit Card
Car Loan
Credit Card #1
Credit Card #3
Credit Union Loan
2nd Mortgage
1st Mortgage
Total Debt

Rate
15.0%
15.0%
12.0%
7.0%
12.0%
11.0%
6.0%
9.5%
6.0%

Principal
$1,000.00
$1,876.95
$1,969.78
$5,200.00
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.78

Monthly Income Needed???

Annual Income Needed???
How many years to get completely out of debt?
How much in the back when you complete 30 years of payments?

# of Pmts
36
36
24
28
48
60
84
142
147

$ / mth
$34.67
$65.07
$92.72
$200.00
$158.00
$274.37
$280.85
$582.82
$1,149.00

Real Debt
$1,248.12
$2,342.52
$2,225.28
$5,600.00
$7,584.00
$16,462.20
$23,591.40
$82,760.44
$168,903.00

$2,837.50

$310,716.96

$8,107.14
$97,285.71

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Payment
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
650.39
650.39
650.39
650.39
650.39
650.39
650.39

Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Principal
60.00
59.02
58.03
57.03
56.02
55.00
53.97
52.93
51.88
50.82
49.75
48.66
47.57
46.47
45.35
44.23
43.09
41.94
40.78
39.61
38.42
37.23
36.02
34.80
33.57
32.32
26.14
19.90
13.59
7.23
0.79
(5.70)

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

98.00
98.98
99.97
100.97
101.98
103.00
104.03
105.07
106.12
107.18
108.25
109.34
110.43
111.53
112.65
113.77
114.91
116.06
117.22
118.39
119.58
120.77
121.98
123.20
124.43
618.07
624.25
630.49
636.80
643.16
649.60
656.09

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Remaining Balance
6,000.00
5,902.00
5,803.02
5,703.05
5,602.08
5,500.10
5,397.10
5,293.07
5,188.00
5,081.88
4,974.70
4,866.45
4,757.11
4,646.69
4,535.15
4,422.50
4,308.73
4,193.82
4,077.75
3,960.53
3,842.14
3,722.56
3,601.78
3,479.80
3,356.60
3,232.17
2,614.10
1,989.85
1,359.36
722.56
79.40
(570.20)

Fifth Debt = $158 + $492.39 = $650.39

After 25 months, payment goes to $650.39

Listing of all debts

Debt
Credit Card #2
Medical Bill
Gas Credit Card
Car Loan
Credit Card #1
Credit Card #3
Credit Union Loan
2nd Mortgage
1st Mortgage
Total Debt

Rate
15.0%
15.0%
12.0%
7.0%
12.0%
11.0%
6.0%
9.5%
6.0%

Principal
$1,000.00
$1,876.95
$1,969.78
$5,200.00
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.78

Monthly Income Needed???

Annual Income Needed???
How many years to get completely out of debt?
How much in the back when you complete 30 years of payments?

# of Pmts
36
36
24
28
48
60
84
142
147

$ / mth
$34.67
$65.07
$92.72
$200.00
$158.00
$274.37
$280.85
$582.82
$1,149.00

Real Debt
$1,248.12
$2,342.52
$2,225.28
$5,600.00
$7,584.00
$16,462.20
$23,591.40
$82,760.44
$168,903.00

$2,837.50

$310,716.96

$8,107.14
$97,285.71

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Payment
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
924.76
924.76
924.76
924.76
924.76
924.76
924.76
924.76

40

924.76

Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

115.67
114.22
112.75
111.27
109.78
108.27
106.74
105.21
103.66
102.09
100.51
98.92
97.31
95.69
94.05
92.40
90.73
89.05
87.35
85.63
83.90
82.16
80.39
78.62
76.82
75.01
73.18
71.34
69.48
67.60
65.70
63.79
55.90
47.94
39.90
31.79
23.60
15.34
7.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Principal
158.70
160.15
161.62
163.10
164.59
166.10
167.63
169.16
170.71
172.28
173.86
175.45
177.06
178.68
180.32
181.97
183.64
185.32
187.02
188.74
190.47
192.21
193.98
195.75
197.55
199.36
201.19
203.03
204.89
206.77
208.67
860.97
868.86
876.82
884.86
892.97
901.16
909.42
917.76

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Remaining Balance
12,619.08
12,460.38
12,300.24
12,138.62
11,975.52
11,810.92
11,644.82
11,477.19
11,308.03
11,137.32
10,965.04
10,791.18
10,615.73
10,438.67
10,259.99
10,079.67
9,897.70
9,714.06
9,528.73
9,341.71
9,152.97
8,962.50
8,770.29
8,576.32
8,380.56
8,183.01
7,983.65
7,782.47
7,579.44
7,374.55
7,167.78
6,959.11
6,098.14
5,229.28
4,352.46
3,467.59
2,574.62
1,673.46
764.04

(1.41) $

926.17 $

(153.72)

Sixth Debt = $274.37 + $650.39 = $924.76

After 31 months, payment goes to $924.76

Listing of all debts

Debt
Credit Card #2
Medical Bill
Gas Credit Card
Car Loan
Credit Card #1
Credit Card #3
Credit Union Loan
2nd Mortgage
1st Mortgage
Total Debt

Rate
15.0%
15.0%
12.0%
7.0%
12.0%
11.0%
6.0%
9.5%
6.0%

Principal
$1,000.00
$1,876.95
$1,969.78
$5,200.00
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.78

Monthly Income Needed???

Annual Income Needed???
How many years to get completely out of debt?
How much in the back when you complete 30 years of payments?

# of Pmts
36
36
24
28
48
60
84
142
147

$ / mth
$34.67
$65.07
$92.72
$200.00
$158.00
$274.37
$280.85
$582.82
$1,149.00

Real Debt
$1,248.12
$2,342.52
$2,225.28
$5,600.00
$7,584.00
$16,462.20
$23,591.40
$82,760.44
$168,903.00

$2,837.50

$310,716.96

$8,107.14
$97,285.71

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Payment
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85

40
41
42
43
44
45
46
47
48
49
50
51

$
$
$
$
$
$
$
$
$
$
$
$

280.85
1,205.61
1,205.61
1,205.61
1,205.61
1,205.61
1,205.61
1,205.61
1,205.61
1,205.61
1,205.61
1,205.61

Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

96.13
95.20
94.27
93.34
92.40
91.46
90.51
89.56
88.61
87.64
86.68
85.71
84.73
83.75
82.77
81.78
80.78
79.78
78.77
77.76
76.75
75.73
74.70
73.67
72.64
71.59
70.55
69.50
68.44
67.38
66.31
65.24
64.16
63.08
61.99
60.89
59.79
58.69
57.58

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Principal
184.73
185.65
186.58
187.51
188.45
189.39
190.34
191.29
192.24
193.21
194.17
195.14
196.12
197.10
198.08
199.07
200.07
201.07
202.08
203.09
204.10
205.12
206.15
207.18
208.21
209.26
210.30
211.35
212.41
213.47
214.54
215.61
216.69
217.77
218.86
219.96
221.06
222.16
223.27

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Remaining Balance
19,225.00
19,040.28
18,854.63
18,668.05
18,480.54
18,292.09
18,102.70
17,912.37
17,721.08
17,528.83
17,335.63
17,141.46
16,946.31
16,750.19
16,553.10
16,355.01
16,155.94
15,955.87
15,754.80
15,552.72
15,349.63
15,145.53
14,940.41
14,734.26
14,527.08
14,318.87
14,109.61
13,899.31
13,687.96
13,475.55
13,262.07
13,047.53
12,831.92
12,615.23
12,397.46
12,178.60
11,958.64
11,737.58
11,515.42

$
$
$
$
$
$
$
$
$
$
$
$

56.46
55.34
49.59
43.81
38.00
32.16
26.29
20.40
14.47
8.51
2.53
(3.49)

$
$
$
$
$
$
$
$
$
$
$
$

224.39
1,150.27
1,156.02
1,161.80
1,167.61
1,173.45
1,179.32
1,185.21
1,191.14
1,197.10
1,203.08
1,209.10

$
$
$
$
$
$
$
$
$
$
$
$

11,292.15
11,067.76
9,917.49
8,761.46
7,599.66
6,432.05
5,258.60
4,079.28
2,894.07
1,702.93
505.83
(697.25)

Seventh Debt = $280.85 + $924.76 = 1205.61

After 40 months, payment goes to $1205.61

Listing of all debts

Debt
Credit Card #2
Medical Bill
Gas Credit Card
Car Loan
Credit Card #1
Credit Card #3
Credit Union Loan
2nd Mortgage
1st Mortgage
Total Debt

Rate
15.0%
15.0%
12.0%
7.0%
12.0%
11.0%
6.0%
9.5%
6.0%

Principal
$1,000.00
$1,876.95
$1,969.78
$5,200.00
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.78

Monthly Income Needed???

Annual Income Needed???
How many years to get completely out of debt?
How much in the back when you complete 30 years of payments?

# of Pmts
36
36
24
28
48
60
84
142
147

$ / mth
$34.67
$65.07
$92.72
$200.00
$158.00
$274.37
$280.85
$582.82
$1,149.00

Real Debt
$1,248.12
$2,342.52
$2,225.28
$5,600.00
$7,584.00
$16,462.20
$23,591.40
$82,760.44
$168,903.00

$2,837.50

$310,716.96

$8,107.14
$97,285.71

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Payment
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82

40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46
1,788.46

Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

392.76
391.26
389.74
388.22
386.67
385.12
383.56
381.98
380.39
378.79
377.17
375.54
373.90
372.25
370.58
368.90
367.21
365.50
363.78
362.05
360.30
358.54
356.76
354.97
353.17
351.35
349.52
347.67
345.81
343.93
342.04
340.13
338.21
336.28
334.33
332.36
330.38
328.38
326.36

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Principal
190.06
191.56
193.08
194.60
196.15
197.70
199.26
200.84
202.43
204.03
205.65
207.28
208.92
210.57
212.24
213.92
215.61
217.32
219.04
220.77
222.52
224.28
226.06
227.85
229.65
231.47
233.30
235.15
237.01
238.89
240.78
242.69
244.61
246.54
248.49
250.46
252.44
254.44
256.46

Remaining Balance
$49,612.40
$49,422.34
$49,230.79
$49,037.71
$48,843.10
$48,646.96
$48,449.26
$48,250.00
$48,049.16
$47,846.73
$47,642.69
$47,437.04
$47,229.77
$47,020.85
$46,810.28
$46,598.04
$46,384.12
$46,168.51
$45,951.19
$45,732.15
$45,511.37
$45,288.85
$45,064.57
$44,838.51
$44,610.66
$44,381.01
$44,149.54
$43,916.24
$43,681.09
$43,444.08
$43,205.19
$42,964.41
$42,721.72
$42,477.12
$42,230.57
$41,982.08
$41,731.62
$41,479.17
$41,224.73

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

324.33
322.29
320.22
318.14
316.05
313.94
311.81
309.66
307.50
305.32
303.12
300.91
298.68
286.88
275.00
263.01
250.94
238.77
226.50
214.13
201.67
189.11
176.45
163.68
150.82
137.86
124.79
111.62
98.34
84.96
71.48
57.88
44.18
30.37
16.46
2.43
(11.71)

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

258.49
260.53
262.60
264.68
266.77
268.88
271.01
273.16
275.32
277.50
279.70
281.91
1,489.78
1,501.58
1,513.46
1,525.45
1,537.52
1,549.69
1,561.96
1,574.33
1,586.79
1,599.35
1,612.01
1,624.78
1,637.64
1,650.60
1,663.67
1,676.84
1,690.12
1,703.50
1,716.98
1,730.58
1,744.28
1,758.09
1,772.00
1,786.03
1,800.17

$40,968.27
$40,709.78
$40,449.25
$40,186.65
$39,921.98
$39,655.21
$39,386.32
$39,115.31
$38,842.16
$38,566.84
$38,289.34
$38,009.64
$37,727.73
$36,237.95
$34,736.37
$33,222.91
$31,697.46
$30,159.94
$28,610.25
$27,048.29
$25,473.96
$23,887.17
$22,287.81
$20,675.80
$19,051.02
$17,413.38
$15,762.78
$14,099.11
$12,422.26
$10,732.15
$9,028.65
$7,311.67
$5,581.09
$3,836.81
$2,078.73
$306.73
($1,479.31)

Eighth Debt = $582.82 + $1205.61 = $1788.46

After 51 months, payment goes to $1788.46

Listing of all debts

Debt
Credit Card #2
Medical Bill
Gas Credit Card
Car Loan
Credit Card #1
Credit Card #3
Credit Union Loan
2nd Mortgage
1st Mortgage
Total Debt

Rate
15.0%
15.0%
12.0%
7.0%
12.0%
11.0%
6.0%
9.5%
6.0%

Principal
$1,000.00
$1,876.95
$1,969.78
$5,200.00
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.78

Monthly Income Needed???

Annual Income Needed???
How many years to get completely out of debt?
How much in the back when you complete 30 years of payments?

# of Pmts
36
36
24
28
48
60
84
142
147

$ / mth
$34.67
$65.07
$92.72
$200.00
$158.00
$274.37
$280.85
$582.82
$1,149.00

Real Debt
$1,248.12
$2,342.52
$2,225.28
$5,600.00
$7,584.00
$16,462.20
$23,591.40
$82,760.44
$168,903.00

$2,837.50

$310,716.96

$8,107.14
$97,285.71
8.5

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Payment
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00

40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
2,937.46
2,937.46
2,937.46
2,937.46
2,937.46
2,937.46

83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

2,937.46
2,937.46
2,937.46
2,937.46
2,937.46
2,937.46
2,937.46
2,937.46
2,937.46
2,937.46
2,937.46
2,937.46
2,937.46
2,937.46
2,937.46
2,937.46
2,937.46
2,937.46
2,937.46
2,937.46

Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

597.06
594.30
591.53
588.74
585.94
583.13
580.30
577.45
574.60
571.72
568.84
565.94
563.02
560.09
557.15
554.19
551.21
548.22
545.22
542.20
539.17
536.12
533.05
529.97
526.88
523.77
520.64
517.50
514.34
511.17
507.98
504.78
501.55
498.32
495.06
491.79
488.51
485.21
481.89

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Principal
551.94
554.70
557.47
560.26
563.06
565.87
568.70
571.55
574.40
577.28
580.16
583.06
585.98
588.91
591.85
594.81
597.79
600.78
603.78
606.80
609.83
612.88
615.95
619.03
622.12
625.23
628.36
631.50
634.66
637.83
641.02
644.22
647.45
650.68
653.94
657.21
660.49
663.79
667.11

Remaining Balance
$119,412.57
$118,860.63
$118,305.94
$117,748.47
$117,188.21
$116,625.15
$116,059.27
$115,490.57
$114,919.02
$114,344.62
$113,767.34
$113,187.18
$112,604.11
$112,018.14
$111,429.23
$110,837.37
$110,242.56
$109,644.77
$109,044.00
$108,440.22
$107,833.42
$107,223.58
$106,610.70
$105,994.76
$105,375.73
$104,753.61
$104,128.38
$103,500.02
$102,868.52
$102,233.86
$101,596.03
$100,955.01
$100,310.78
$99,663.34
$99,012.66
$98,358.72
$97,701.51
$97,041.02
$96,377.22

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

478.55
475.20
471.83
468.44
465.04
461.62
458.18
454.73
451.26
447.77
444.26
440.74
437.20
433.64
430.06
426.47
422.86
419.22
415.58
411.91
408.22
404.52
400.80
397.06
393.30
389.52
385.72
381.90
378.07
374.21
370.34
366.45
362.53
358.60
354.65
350.68
346.69
342.67
329.70
316.66
303.56
290.39
277.15

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

670.45
673.80
677.17
680.56
683.96
687.38
690.82
694.27
697.74
701.23
704.74
708.26
711.80
715.36
718.94
722.53
726.14
729.78
733.42
737.09
740.78
744.48
748.20
751.94
755.70
759.48
763.28
767.10
770.93
774.79
778.66
782.55
786.47
790.40
794.35
798.32
802.31
2,594.79
2,607.76
2,620.80
2,633.90
2,647.07
2,660.31

$95,710.11
$95,039.66
$94,365.86
$93,688.69
$93,008.13
$92,324.17
$91,636.79
$90,945.98
$90,251.71
$89,553.97
$88,852.74
$88,148.00
$87,439.74
$86,727.94
$86,012.58
$85,293.64
$84,571.11
$83,844.97
$83,115.19
$82,381.77
$81,644.67
$80,903.90
$80,159.42
$79,411.21
$78,659.27
$77,903.57
$77,144.09
$76,380.81
$75,613.71
$74,842.78
$74,067.99
$73,289.33
$72,506.78
$71,720.31
$70,929.91
$70,135.56
$69,337.24
$68,534.93
$65,940.14
$63,332.38
$60,711.58
$58,077.68
$55,430.61

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

263.85
250.48
237.05
223.55
209.98
196.34
182.63
168.86
155.02
141.10
127.12
113.07
98.95
84.76
70.49
56.16
41.75
27.27
12.72
(1.90)

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

2,673.61
2,686.98
2,700.41
2,713.91
2,727.48
2,741.12
2,754.83
2,768.60
2,782.44
2,796.36
2,810.34
2,824.39
2,838.51
2,852.70
2,866.97
2,881.30
2,895.71
2,910.19
2,924.74
2,939.36

$52,770.30
$50,096.70
$47,409.72
$44,709.31
$41,995.39
$39,267.91
$36,526.79
$33,771.96
$31,003.36
$28,220.92
$25,424.57
$22,614.23
$19,789.84
$16,951.33
$14,098.63
$11,231.66
$8,350.36
$5,454.65
$2,544.46
($380.28)

Ninth Debt = $1149 + $1788.46 = $2937.46

After 76 months, payment goes to $2937.46

No Debt left. Money goes into an investment at 10.0%

Debt
Credit Card #2
Medical Bill
Gas Credit Card
Car Loan
Credit Card #1
Credit Card #3
Credit Union Loan
2nd Mortgage
1st Mortgage
Total Debt

Rate
15.0%
15.0%
12.0%
7.0%
12.0%
11.0%
6.0%
9.5%
6.0%

Principal
$1,000.00
$1,876.95
$1,969.78
$5,200.00
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.78

Monthly Income Needed???

Annual Income Needed???
How many years to get completely out of debt?
How much in the back when you complete 30 years of payments?

# of Pmts
36
36
24
28
48
60
84
142
147

After 102 mths payment of $2,937.5

$ / mth
$34.67
$65.07
$92.72
$200.00
$158.00
$274.37
$280.85
$582.82
$1,149.00

Real Debt
$1,248.12
$2,342.52
$2,225.28
$5,600.00
$7,584.00
$16,462.20
$23,591.40
$82,760.44
$168,903.00

$2,837.50

$310,716.96

$8,107.14
$97,285.71
8.5

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40

Payment
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50

41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85

$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50

86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130

$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50

131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175

$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50

176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220

$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50

221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
Total Invested

$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$2,937.50
$757,875.00

mths payment of $2,937.50 goes into an investment until month 360.

10.0%

Interest
0
$24.48
$49.16
$74.05
$99.15
$124.45
$149.97
$175.70
$201.64
$227.80
$254.18
$280.78
$307.59
$334.64
$361.90
$389.40
$417.12
$445.08
$473.27
$501.69
$530.35
$559.25
$588.39
$617.77
$647.40
$677.27
$707.40
$737.77
$768.40
$799.28
$830.42
$861.82
$893.48
$925.40
$957.60
$990.05
$1,022.78
$1,055.79
$1,089.06
$1,122.62

$0.00

Ttl Investment
$2,937.50
$2,961.98
$2,986.66
$3,011.55
$3,036.65
$3,061.95
$3,087.47
$3,113.20
$3,139.14
$3,165.30
$3,191.68
$3,218.28
$3,245.09
$3,272.14
$3,299.40
$3,326.90
$3,354.62
$3,382.58
$3,410.77
$3,439.19
$3,467.85
$3,496.75
$3,525.89
$3,555.27
$3,584.90
$3,614.77
$3,644.90
$3,675.27
$3,705.90
$3,736.78
$3,767.92
$3,799.32
$3,830.98
$3,862.90
$3,895.10
$3,927.55
$3,960.28
$3,993.29
$4,026.56
$4,060.12

Ending Balance
$2,937.50
$5,899.48
$8,886.14
$11,897.69
$14,934.34
$17,996.29
$21,083.76
$24,196.96
$27,336.10
$30,501.40
$33,693.08
$36,911.36
$40,156.45
$43,428.59
$46,727.99
$50,054.89
$53,409.52
$56,792.10
$60,202.86
$63,642.05
$67,109.90
$70,606.65
$74,132.54
$77,687.81
$81,272.71
$84,887.48
$88,532.38
$92,207.65
$95,913.55
$99,650.33
$103,418.25
$107,217.57
$111,048.54
$114,911.45
$118,806.54
$122,734.10
$126,694.38
$130,687.67
$134,714.23
$138,774.35

$1,156.45
$1,190.57
$1,224.97
$1,259.66
$1,294.63
$1,329.90
$1,365.46
$1,401.32
$1,437.48
$1,473.94
$1,510.70
$1,547.77
$1,585.14
$1,622.83
$1,660.83
$1,699.15
$1,737.79
$1,776.75
$1,816.04
$1,855.65
$1,895.59
$1,935.87
$1,976.48
$2,017.43
$2,058.72
$2,100.36
$2,142.34
$2,184.67
$2,227.36
$2,270.40
$2,313.80
$2,357.56
$2,401.68
$2,446.18
$2,491.04
$2,536.28
$2,581.89
$2,627.89
$2,674.27
$2,721.03
$2,768.19
$2,815.73
$2,863.68
$2,912.02
$2,960.77

$4,093.95
$4,128.07
$4,162.47
$4,197.16
$4,232.13
$4,267.40
$4,302.96
$4,338.82
$4,374.98
$4,411.44
$4,448.20
$4,485.27
$4,522.64
$4,560.33
$4,598.33
$4,636.65
$4,675.29
$4,714.25
$4,753.54
$4,793.15
$4,833.09
$4,873.37
$4,913.98
$4,954.93
$4,996.22
$5,037.86
$5,079.84
$5,122.17
$5,164.86
$5,207.90
$5,251.30
$5,295.06
$5,339.18
$5,383.68
$5,428.54
$5,473.78
$5,519.39
$5,565.39
$5,611.77
$5,658.53
$5,705.69
$5,753.23
$5,801.18
$5,849.52
$5,898.27

$142,868.31
$146,996.37
$151,158.84
$155,356.00
$159,588.14
$163,855.54
$168,158.50
$172,497.32
$176,872.30
$181,283.73
$185,731.93
$190,217.20
$194,739.84
$199,300.17
$203,898.51
$208,535.16
$213,210.45
$217,924.71
$222,678.25
$227,471.40
$232,304.49
$237,177.87
$242,091.85
$247,046.78
$252,043.00
$257,080.86
$262,160.70
$267,282.87
$272,447.73
$277,655.63
$282,906.93
$288,201.98
$293,541.17
$298,924.84
$304,353.38
$309,827.16
$315,346.55
$320,911.94
$326,523.71
$332,182.24
$337,887.93
$343,641.16
$349,442.33
$355,291.85
$361,190.12

$3,009.92
$3,059.48
$3,109.45
$3,159.85
$3,210.66
$3,261.89
$3,313.55
$3,365.65
$3,418.17
$3,471.14
$3,524.54
$3,578.39
$3,632.69
$3,687.44
$3,742.65
$3,798.32
$3,854.45
$3,911.05
$3,968.12
$4,025.67
$4,083.69
$4,142.20
$4,201.20
$4,260.69
$4,320.67
$4,381.16
$4,442.15
$4,503.65
$4,565.65
$4,628.18
$4,691.23
$4,754.80
$4,818.90
$4,883.54
$4,948.72
$5,014.43
$5,080.70
$5,147.52
$5,214.89
$5,282.83
$5,351.33
$5,420.41
$5,490.06
$5,560.29
$5,631.10

$5,947.42
$5,996.98
$6,046.95
$6,097.35
$6,148.16
$6,199.39
$6,251.05
$6,303.15
$6,355.67
$6,408.64
$6,462.04
$6,515.89
$6,570.19
$6,624.94
$6,680.15
$6,735.82
$6,791.95
$6,848.55
$6,905.62
$6,963.17
$7,021.19
$7,079.70
$7,138.70
$7,198.19
$7,258.17
$7,318.66
$7,379.65
$7,441.15
$7,503.15
$7,565.68
$7,628.73
$7,692.30
$7,756.40
$7,821.04
$7,886.22
$7,951.93
$8,018.20
$8,085.02
$8,152.39
$8,220.33
$8,288.83
$8,357.91
$8,427.56
$8,497.79
$8,568.60

$367,137.54
$373,134.52
$379,181.47
$385,278.82
$391,426.97
$397,626.36
$403,877.42
$410,180.56
$416,536.23
$422,944.87
$429,406.91
$435,922.80
$442,492.99
$449,117.93
$455,798.08
$462,533.90
$469,325.85
$476,174.40
$483,080.02
$490,043.18
$497,064.38
$504,144.08
$511,282.78
$518,480.97
$525,739.15
$533,057.81
$540,437.45
$547,878.60
$555,381.75
$562,947.44
$570,576.16
$578,268.47
$586,024.87
$593,845.91
$601,732.13
$609,684.06
$617,702.26
$625,787.28
$633,939.67
$642,160.00
$650,448.84
$658,806.74
$667,234.30
$675,732.09
$684,300.69

$5,702.51
$5,774.51
$5,847.11
$5,920.31
$5,994.13
$6,068.56
$6,143.61
$6,219.28
$6,295.59
$6,372.53
$6,450.12
$6,528.35
$6,607.23
$6,686.77
$6,766.97
$6,847.84
$6,929.38
$7,011.61
$7,094.52
$7,178.12
$7,262.41
$7,347.41
$7,433.12
$7,519.54
$7,606.68
$7,694.55
$7,783.15
$7,872.49
$7,962.58
$8,053.41
$8,145.00
$8,237.35
$8,330.48
$8,424.38
$8,519.06
$8,614.53
$8,710.80
$8,807.87
$8,905.75
$9,004.44
$9,103.96
$9,204.30
$9,305.48
$9,407.51
$9,510.38

$8,640.01
$8,712.01
$8,784.61
$8,857.81
$8,931.63
$9,006.06
$9,081.11
$9,156.78
$9,233.09
$9,310.03
$9,387.62
$9,465.85
$9,544.73
$9,624.27
$9,704.47
$9,785.34
$9,866.88
$9,949.11
$10,032.02
$10,115.62
$10,199.91
$10,284.91
$10,370.62
$10,457.04
$10,544.18
$10,632.05
$10,720.65
$10,809.99
$10,900.08
$10,990.91
$11,082.50
$11,174.85
$11,267.98
$11,361.88
$11,456.56
$11,552.03
$11,648.30
$11,745.37
$11,843.25
$11,941.94
$12,041.46
$12,141.80
$12,242.98
$12,345.01
$12,447.88

$692,940.69
$701,652.70
$710,437.30
$719,295.12
$728,226.74
$737,232.80
$746,313.90
$755,470.69
$764,703.78
$774,013.81
$783,401.42
$792,867.27
$802,411.99
$812,036.26
$821,740.73
$831,526.07
$841,392.95
$851,342.06
$861,374.08
$871,489.70
$881,689.61
$891,974.52
$902,345.14
$912,802.19
$923,346.37
$933,978.43
$944,699.08
$955,509.07
$966,409.15
$977,400.06
$988,482.56
$999,657.41
$1,010,925.39
$1,022,287.27
$1,033,743.83
$1,045,295.86
$1,056,944.16
$1,068,689.53
$1,080,532.77
$1,092,474.71
$1,104,516.17
$1,116,657.97
$1,128,900.95
$1,141,245.96
$1,153,693.84

$9,614.12
$9,718.71
$9,824.18
$9,930.53
$10,037.76
$10,145.89
$10,254.92
$10,364.85
$10,475.71
$10,587.48
$10,700.19
$10,813.84
$10,928.43
$11,043.98
$11,160.50
$11,277.98
$11,396.44
$11,515.89
$11,636.34
$11,757.78
$11,880.24
$12,003.73
$12,128.24
$12,253.78
$12,380.38
$12,508.03
$12,636.74
$12,766.52
$12,897.39
$13,029.35
$13,162.41
$13,296.57
$13,431.86
$13,568.27
$13,705.82
$13,844.51
$13,984.36
$14,125.38
$14,267.57
$14,410.94
$14,555.51
$14,701.29
$14,848.28
$14,996.49
$15,145.94

$12,551.62
$12,656.21
$12,761.68
$12,868.03
$12,975.26
$13,083.39
$13,192.42
$13,302.35
$13,413.21
$13,524.98
$13,637.69
$13,751.34
$13,865.93
$13,981.48
$14,098.00
$14,215.48
$14,333.94
$14,453.39
$14,573.84
$14,695.28
$14,817.74
$14,941.23
$15,065.74
$15,191.28
$15,317.88
$15,445.53
$15,574.24
$15,704.02
$15,834.89
$15,966.85
$16,099.91
$16,234.07
$16,369.36
$16,505.77
$16,643.32
$16,782.01
$16,921.86
$17,062.88
$17,205.07
$17,348.44
$17,493.01
$17,638.79
$17,785.78
$17,933.99
$18,083.44

$1,166,245.46
$1,178,901.67
$1,191,663.35
$1,204,531.38
$1,217,506.64
$1,230,590.03
$1,243,782.45
$1,257,084.80
$1,270,498.01
$1,284,022.99
$1,297,660.68
$1,311,412.02
$1,325,277.96
$1,339,259.44
$1,353,357.43
$1,367,572.91
$1,381,906.85
$1,396,360.24
$1,410,934.08
$1,425,629.36
$1,440,447.11
$1,455,388.33
$1,470,454.07
$1,485,645.35
$1,500,963.23
$1,516,408.76
$1,531,983.00
$1,547,687.02
$1,563,521.92
$1,579,488.76
$1,595,588.67
$1,611,822.74
$1,628,192.10
$1,644,697.87
$1,661,341.18
$1,678,123.19
$1,695,045.05
$1,712,107.93
$1,729,312.99
$1,746,661.44
$1,764,154.45
$1,781,793.23
$1,799,579.01
$1,817,513.00
$1,835,596.44

$15,296.64
$15,448.59
$15,601.81
$15,756.30
$15,912.08
$16,069.16
$16,227.55
$16,387.26
$16,548.30
$16,710.68
$16,874.42
$17,039.51
$17,205.99
$17,373.85
$17,543.11
$17,713.78
$17,885.88
$18,059.41
$18,234.38
$18,410.81
$18,588.72
$18,768.10
$18,948.98
$19,131.37
$19,315.28
$19,500.72
$19,687.70
$19,876.24
$20,066.36
$20,258.06
$20,451.35
$20,646.26
$20,842.79
$21,040.96
$21,240.78
$21,442.27
$21,645.43
$21,850.29

$18,234.14
$18,386.09
$18,539.31
$18,693.80
$18,849.58
$19,006.66
$19,165.05
$19,324.76
$19,485.80
$19,648.18
$19,811.92
$19,977.01
$20,143.49
$20,311.35
$20,480.61
$20,651.28
$20,823.38
$20,996.91
$21,171.88
$21,348.31
$21,526.22
$21,705.60
$21,886.48
$22,068.87
$22,252.78
$22,438.22
$22,625.20
$22,813.74
$23,003.86
$23,195.56
$23,388.85
$23,583.76
$23,780.29
$23,978.46
$24,178.28
$24,379.77
$24,582.93
$24,787.79

$1,853,830.58
$1,872,216.67
$1,890,755.98
$1,909,449.78
$1,928,299.36
$1,947,306.02
$1,966,471.07
$1,985,795.83
$2,005,281.63
$2,024,929.81
$2,044,741.72
$2,064,718.74
$2,084,862.22
$2,105,173.58
$2,125,654.19
$2,146,305.47
$2,167,128.85
$2,188,125.76
$2,209,297.64
$2,230,645.96
$2,252,172.17
$2,273,877.77
$2,295,764.25
$2,317,833.12
$2,340,085.90
$2,362,524.12
$2,385,149.32
$2,407,963.06
$2,430,966.92
$2,454,162.48
$2,477,551.33
$2,501,135.09
$2,524,915.38
$2,548,893.85
$2,573,072.13
$2,597,451.90
$2,622,034.83
$2,646,822.62

Brother and Sister Hopeful are 35 years old.

They will retire at age 65. After their debt is
is paid off after 102 months, they will begin
a retirement mutual fund earning 10% interest.
Also, brother Hopeful's company offers $150/mo
towards his 401k.
If he begins this retirement mutual fund after
the 102 months (8.5 years), then he will put
$2,937.50 per month towards retirement for
the next 258 months (21.5 years)