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This is an easy calculation to set up in a spreadsheet program like Excell or even on line on the Google spreadsheet.

You start out with your outstanding balance, and then deduct payment minus interest from principle each month. Then recalculate interest due the following month on the reduced outstanding balance.

You can also set up a column to count months or even set up calendar months and years.

Once you do two rows of calcs you can copy down to make it easy. 358 months for a 30 yr mortgage. If you increase the amount paid each month you can see how much sooner the outstanding balance goes to zero.
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