ASSUMPTIONS: This spreadsheet assumes that the amount in the "savings" row is invested at the expected ROR.
After the 15-year mortgage is paid off, it is assumed that the
entire monthly amount that was used for the mortgage payment is now being invested.
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Mortgage Comparisons
Loan Term
15
30
40
50
Total Number of Payments
Amount Borrowed
Interest Rate
Periodic Rate
Monthly Payment
Total Payments
Total Interest Paid
Monthly "Savings"
Expected Annual ROR on Savings
Expected Annual Appreciation on House
After 15 Years…
Savings Account Value
$0
Value of House
Amount Still Owed on House
$0
Net Worth
After 30 Years…
Savings Account Value
Value of House
Amount Still Owed on House
Net Worth
After 40 Years…
Savings Account Value
Value of House
Amount Still Owed on House
Net Worth
After 50 Years…
Savings Account Value
Value of House
Net Worth
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