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No. of Recommendations: 5
twputnam: "100,000 loan @ 5% for 20 years. No payments for the first 5 years, interest accrues and added to principal. Payments begin in year 6. How much is interest and you much is principal for each year until loan paid off? I can calculate the payments for a loan without the initial time delay.

Interest to compound monthly.
Payments to be monthly.
Loan to be fully amortized by the end of 20 yrs(15 years of payments)."

Balance after 5 years is \$128,335.87, monthly amortizing payment is \$1014.87 for 179 payments and a final payment of (\$1014.87 + \$0.50) being \$1015.27.

Prin. Bal. i rate int. payment P. reduce. new bal.
\$100,000.00 0.05000 \$416.67 \$0.00 (\$416.67) \$100,416.67
\$100,416.67 0.05000 \$418.40 \$0.00 (\$418.40) \$100,835.07
\$100,835.07 0.05000 \$420.15 \$0.00 (\$420.15) \$101,255.22
\$101,255.22 0.05000 \$421.90 \$0.00 (\$421.90) \$101,677.11
\$101,677.11 0.05000 \$423.65 \$0.00 (\$423.65) \$102,100.77
\$102,100.77 0.05000 \$425.42 \$0.00 (\$425.42) \$102,526.19
\$102,526.19 0.05000 \$427.19 \$0.00 (\$427.19) \$102,953.38
\$102,953.38 0.05000 \$428.97 \$0.00 (\$428.97) \$103,382.35
\$103,382.35 0.05000 \$430.76 \$0.00 (\$430.76) \$103,813.11
\$103,813.11 0.05000 \$432.55 \$0.00 (\$432.55) \$104,245.67
\$104,245.67 0.05000 \$434.36 \$0.00 (\$434.36) \$104,680.02
\$104,680.02 0.05000 \$436.17 \$0.00 (\$436.17) \$105,116.19
\$105,116.19 0.05000 \$437.98 \$0.00 (\$437.98) \$105,554.17
\$105,554.17 0.05000 \$439.81 \$0.00 (\$439.81) \$105,993.98
\$105,993.98 0.05000 \$441.64 \$0.00 (\$441.64) \$106,435.62
\$106,435.62 0.05000 \$443.48 \$0.00 (\$443.48) \$106,879.11
\$106,879.11 0.05000 \$445.33 \$0.00 (\$445.33) \$107,324.44
\$107,324.44 0.05000 \$447.19 \$0.00 (\$447.19) \$107,771.62
\$107,771.62 0.05000 \$449.05 \$0.00 (\$449.05) \$108,220.67
\$108,220.67 0.05000 \$450.92 \$0.00 (\$450.92) \$108,671.59
\$108,671.59 0.05000 \$452.80 \$0.00 (\$452.80) \$109,124.39
\$109,124.39 0.05000 \$454.68 \$0.00 (\$454.68) \$109,579.07
\$109,579.07 0.05000 \$456.58 \$0.00 (\$456.58) \$110,035.65
\$110,035.65 0.05000 \$458.48 \$0.00 (\$458.48) \$110,494.13
\$110,494.13 0.05000 \$460.39 \$0.00 (\$460.39) \$110,954.53
\$110,954.53 0.05000 \$462.31 \$0.00 (\$462.31) \$111,416.84
\$111,416.84 0.05000 \$464.24 \$0.00 (\$464.24) \$111,881.07
\$111,881.07 0.05000 \$466.17 \$0.00 (\$466.17) \$112,347.24
\$112,347.24 0.05000 \$468.11 \$0.00 (\$468.11) \$112,815.36
\$112,815.36 0.05000 \$470.06 \$0.00 (\$470.06) \$113,285.42
\$113,285.42 0.05000 \$472.02 \$0.00 (\$472.02) \$113,757.44
\$113,757.44 0.05000 \$473.99 \$0.00 (\$473.99) \$114,231.43
\$114,231.43 0.05000 \$475.96 \$0.00 (\$475.96) \$114,707.40
\$114,707.40 0.05000 \$477.95 \$0.00 (\$477.95) \$115,185.35
\$115,185.35 0.05000 \$479.94 \$0.00 (\$479.94) \$115,665.28
\$115,665.28 0.05000 \$481.94 \$0.00 (\$481.94) \$116,147.22
\$116,147.22 0.05000 \$483.95 \$0.00 (\$483.95) \$116,631.17
\$116,631.17 0.05000 \$485.96 \$0.00 (\$485.96) \$117,117.13
\$117,117.13 0.05000 \$487.99 \$0.00 (\$487.99) \$117,605.12
\$117,605.12 0.05000 \$490.02 \$0.00 (\$490.02) \$118,095.14
\$118,095.14 0.05000 \$492.06 \$0.00 (\$492.06) \$118,587.21
\$118,587.21 0.05000 \$494.11 \$0.00 (\$494.11) \$119,081.32
\$119,081.32 0.05000 \$496.17 \$0.00 (\$496.17) \$119,577.49
\$119,577.49 0.05000 \$498.24 \$0.00 (\$498.24) \$120,075.73
\$120,075.73 0.05000 \$500.32 \$0.00 (\$500.32) \$120,576.05
\$120,576.05 0.05000 \$502.40 \$0.00 (\$502.40) \$121,078.45
\$121,078.45 0.05000 \$504.49 \$0.00 (\$504.49) \$121,582.94
\$121,582.94 0.05000 \$506.60 \$0.00 (\$506.60) \$122,089.54
\$122,089.54 0.05000 \$508.71 \$0.00 (\$508.71) \$122,598.24
\$122,598.24 0.05000 \$510.83 \$0.00 (\$510.83) \$123,109.07
\$123,109.07 0.05000 \$512.95 \$0.00 (\$512.95) \$123,622.02
\$123,622.02 0.05000 \$515.09 \$0.00 (\$515.09) \$124,137.11
\$124,137.11 0.05000 \$517.24 \$0.00 (\$517.24) \$124,654.35
\$124,654.35 0.05000 \$519.39 \$0.00 (\$519.39) \$125,173.75
\$125,173.75 0.05000 \$521.56 \$0.00 (\$521.56) \$125,695.30
\$125,695.30 0.05000 \$523.73 \$0.00 (\$523.73) \$126,219.03
\$126,219.03 0.05000 \$525.91 \$0.00 (\$525.91) \$126,744.95
\$126,744.95 0.05000 \$528.10 \$0.00 (\$528.10) \$127,273.05
\$127,273.05 0.05000 \$530.30 \$0.00 (\$530.30) \$127,803.35
\$127,803.35 0.05000 \$532.51 \$0.00 (\$532.51) \$128,335.87
\$128,335.87 0.05000 \$534.73 \$1,014.87 \$480.14 \$127,855.73
\$127,855.73 0.05000 \$532.73 \$1,014.87 \$482.14 \$127,373.59
\$127,373.59 0.05000 \$530.72 \$1,014.87 \$484.15 \$126,889.45
\$126,889.45 0.05000 \$528.71 \$1,014.87 \$486.16 \$126,403.28
\$126,403.28 0.05000 \$526.68 \$1,014.87 \$488.19 \$125,915.09
\$125,915.09 0.05000 \$524.65 \$1,014.87 \$490.22 \$125,424.87
\$125,424.87 0.05000 \$522.60 \$1,014.87 \$492.27 \$124,932.60
\$124,932.60 0.05000 \$520.55 \$1,014.87 \$494.32 \$124,438.28
\$124,438.28 0.05000 \$518.49 \$1,014.87 \$496.38 \$123,941.91
\$123,941.91 0.05000 \$516.42 \$1,014.87 \$498.45 \$123,443.46
\$123,443.46 0.05000 \$514.35 \$1,014.87 \$500.52 \$122,942.94
\$122,942.94 0.05000 \$512.26 \$1,014.87 \$502.61 \$122,440.33
\$122,440.33 0.05000 \$510.17 \$1,014.87 \$504.70 \$121,935.63
\$121,935.63 0.05000 \$508.07 \$1,014.87 \$506.80 \$121,428.83
\$121,428.83 0.05000 \$505.95 \$1,014.87 \$508.92 \$120,919.91
\$120,919.91 0.05000 \$503.83 \$1,014.87 \$511.04 \$120,408.87
\$120,408.87 0.05000 \$501.70 \$1,014.87 \$513.17 \$119,895.71
\$119,895.71 0.05000 \$499.57 \$1,014.87 \$515.30 \$119,380.40
\$119,380.40 0.05000 \$497.42 \$1,014.87 \$517.45 \$118,862.95
\$118,862.95 0.05000 \$495.26 \$1,014.87 \$519.61 \$118,343.34
\$118,343.34 0.05000 \$493.10 \$1,014.87 \$521.77 \$117,821.57
\$117,821.57 0.05000 \$490.92 \$1,014.87 \$523.95 \$117,297.62
\$117,297.62 0.05000 \$488.74 \$1,014.87 \$526.13 \$116,771.49
\$116,771.49 0.05000 \$486.55 \$1,014.87 \$528.32 \$116,243.17
\$116,243.17 0.05000 \$484.35 \$1,014.87 \$530.52 \$115,712.65
\$115,712.65 0.05000 \$482.14 \$1,014.87 \$532.73 \$115,179.91
\$115,179.91 0.05000 \$479.92 \$1,014.87 \$534.95 \$114,644.96
\$114,644.96 0.05000 \$477.69 \$1,014.87 \$537.18 \$114,107.78
\$114,107.78 0.05000 \$475.45 \$1,014.87 \$539.42 \$113,568.36
\$113,568.36 0.05000 \$473.20 \$1,014.87 \$541.67 \$113,026.69
\$113,026.69 0.05000 \$470.94 \$1,014.87 \$543.93 \$112,482.76
\$112,482.76 0.05000 \$468.68 \$1,014.87 \$546.19 \$111,936.57
\$111,936.57 0.05000 \$466.40 \$1,014.87 \$548.47 \$111,388.10
\$111,388.10 0.05000 \$464.12 \$1,014.87 \$550.75 \$110,837.35
\$110,837.35 0.05000 \$461.82 \$1,014.87 \$553.05 \$110,284.30
\$110,284.30 0.05000 \$459.52 \$1,014.87 \$555.35 \$109,728.95
\$109,728.95 0.05000 \$457.20 \$1,014.87 \$557.67 \$109,171.28
\$109,171.28 0.05000 \$454.88 \$1,014.87 \$559.99 \$108,611.29
\$108,611.29 0.05000 \$452.55 \$1,014.87 \$562.32 \$108,048.97
\$108,048.97 0.05000 \$450.20 \$1,014.87 \$564.67 \$107,484.30
\$107,484.30 0.05000 \$447.85 \$1,014.87 \$567.02 \$106,917.29
\$106,917.29 0.05000 \$445.49 \$1,014.87 \$569.38 \$106,347.90
\$106,347.90 0.05000 \$443.12 \$1,014.87 \$571.75 \$105,776.15
\$105,776.15 0.05000 \$440.73 \$1,014.87 \$574.14 \$105,202.01
\$105,202.01 0.05000 \$438.34 \$1,014.87 \$576.53 \$104,625.49
\$104,625.49 0.05000 \$435.94 \$1,014.87 \$578.93 \$104,046.56
\$104,046.56 0.05000 \$433.53 \$1,014.87 \$581.34 \$103,465.21
\$103,465.21 0.05000 \$431.11 \$1,014.87 \$583.76 \$102,881.45
\$102,881.45 0.05000 \$428.67 \$1,014.87 \$586.20 \$102,295.25
\$102,295.25 0.05000 \$426.23 \$1,014.87 \$588.64 \$101,706.61
\$101,706.61 0.05000 \$423.78 \$1,014.87 \$591.09 \$101,115.52
\$101,115.52 0.05000 \$421.31 \$1,014.87 \$593.56 \$100,521.96
\$100,521.96 0.05000 \$418.84 \$1,014.87 \$596.03 \$99,925.94
\$99,925.94 0.05000 \$416.36 \$1,014.87 \$598.51 \$99,327.42
\$99,327.42 0.05000 \$413.86 \$1,014.87 \$601.01 \$98,726.42
\$98,726.42 0.05000 \$411.36 \$1,014.87 \$603.51 \$98,122.91
\$98,122.91 0.05000 \$408.85 \$1,014.87 \$606.02 \$97,516.88
\$97,516.88 0.05000 \$406.32 \$1,014.87 \$608.55 \$96,908.33
\$96,908.33 0.05000 \$403.78 \$1,014.87 \$611.09 \$96,297.25
\$96,297.25 0.05000 \$401.24 \$1,014.87 \$613.63 \$95,683.62
\$95,683.62 0.05000 \$398.68 \$1,014.87 \$616.19 \$95,067.43
\$95,067.43 0.05000 \$396.11 \$1,014.87 \$618.76 \$94,448.67
\$94,448.67 0.05000 \$393.54 \$1,014.87 \$621.33 \$93,827.34
\$93,827.34 0.05000 \$390.95 \$1,014.87 \$623.92 \$93,203.42
\$93,203.42 0.05000 \$388.35 \$1,014.87 \$626.52 \$92,576.89
\$92,576.89 0.05000 \$385.74 \$1,014.87 \$629.13 \$91,947.76
\$91,947.76 0.05000 \$383.12 \$1,014.87 \$631.75 \$91,316.01
\$91,316.01 0.05000 \$380.48 \$1,014.87 \$634.39 \$90,681.62
\$90,681.62 0.05000 \$377.84 \$1,014.87 \$637.03 \$90,044.59
\$90,044.59 0.05000 \$375.19 \$1,014.87 \$639.68 \$89,404.91
\$89,404.91 0.05000 \$372.52 \$1,014.87 \$642.35 \$88,762.56
\$88,762.56 0.05000 \$369.84 \$1,014.87 \$645.03 \$88,117.53
\$88,117.53 0.05000 \$367.16 \$1,014.87 \$647.71 \$87,469.82
\$87,469.82 0.05000 \$364.46 \$1,014.87 \$650.41 \$86,819.40
\$86,819.40 0.05000 \$361.75 \$1,014.87 \$653.12 \$86,166.28
\$86,166.28 0.05000 \$359.03 \$1,014.87 \$655.84 \$85,510.44
\$85,510.44 0.05000 \$356.29 \$1,014.87 \$658.58 \$84,851.86
\$84,851.86 0.05000 \$353.55 \$1,014.87 \$661.32 \$84,190.54
\$84,190.54 0.05000 \$350.79 \$1,014.87 \$664.08 \$83,526.46
\$83,526.46 0.05000 \$348.03 \$1,014.87 \$666.84 \$82,859.62
\$82,859.62 0.05000 \$345.25 \$1,014.87 \$669.62 \$82,190.00
\$82,190.00 0.05000 \$342.46 \$1,014.87 \$672.41 \$81,517.59
\$81,517.59 0.05000 \$339.66 \$1,014.87 \$675.21 \$80,842.37
\$80,842.37 0.05000 \$336.84 \$1,014.87 \$678.03 \$80,164.35
\$80,164.35 0.05000 \$334.02 \$1,014.87 \$680.85 \$79,483.50
\$79,483.50 0.05000 \$331.18 \$1,014.87 \$683.69 \$78,799.81
\$78,799.81 0.05000 \$328.33 \$1,014.87 \$686.54 \$78,113.27
\$78,113.27 0.05000 \$325.47 \$1,014.87 \$689.40 \$77,423.87
\$77,423.87 0.05000 \$322.60 \$1,014.87 \$692.27 \$76,731.60
\$76,731.60 0.05000 \$319.72 \$1,014.87 \$695.15 \$76,036.45
\$76,036.45 0.05000 \$316.82 \$1,014.87 \$698.05 \$75,338.39
\$75,338.39 0.05000 \$313.91 \$1,014.87 \$700.96 \$74,637.43
\$74,637.43 0.05000 \$310.99 \$1,014.87 \$703.88 \$73,933.55
\$73,933.55 0.05000 \$308.06 \$1,014.87 \$706.81 \$73,226.74
\$73,226.74 0.05000 \$305.11 \$1,014.87 \$709.76 \$72,516.98
\$72,516.98 0.05000 \$302.15 \$1,014.87 \$712.72 \$71,804.27
\$71,804.27 0.05000 \$299.18 \$1,014.87 \$715.69 \$71,088.58
\$71,088.58 0.05000 \$296.20 \$1,014.87 \$718.67 \$70,369.91
\$70,369.91 0.05000 \$293.21 \$1,014.87 \$721.66 \$69,648.25
\$69,648.25 0.05000 \$290.20 \$1,014.87 \$724.67 \$68,923.58
\$68,923.58 0.05000 \$287.18 \$1,014.87 \$727.69 \$68,195.89
\$68,195.89 0.05000 \$284.15 \$1,014.87 \$730.72 \$67,465.17
\$67,465.17 0.05000 \$281.10 \$1,014.87 \$733.77 \$66,731.41
\$66,731.41 0.05000 \$278.05 \$1,014.87 \$736.82 \$65,994.59
\$65,994.59 0.05000 \$274.98 \$1,014.87 \$739.89 \$65,254.69
\$65,254.69 0.05000 \$271.89 \$1,014.87 \$742.98 \$64,511.72
\$64,511.72 0.05000 \$268.80 \$1,014.87 \$746.07 \$63,765.65
\$63,765.65 0.05000 \$265.69 \$1,014.87 \$749.18 \$63,016.47
\$63,016.47 0.05000 \$262.57 \$1,014.87 \$752.30 \$62,264.16
\$62,264.16 0.05000 \$259.43 \$1,014.87 \$755.44 \$61,508.73
\$61,508.73 0.05000 \$256.29 \$1,014.87 \$758.58 \$60,750.15
\$60,750.15 0.05000 \$253.13 \$1,014.87 \$761.74 \$59,988.40
\$59,988.40 0.05000 \$249.95 \$1,014.87 \$764.92 \$59,223.48
\$59,223.48 0.05000 \$246.76 \$1,014.87 \$768.11 \$58,455.38
\$58,455.38 0.05000 \$243.56 \$1,014.87 \$771.31 \$57,684.07
\$57,684.07 0.05000 \$240.35 \$1,014.87 \$774.52 \$56,909.55
\$56,909.55 0.05000 \$237.12 \$1,014.87 \$777.75 \$56,131.80
\$56,131.80 0.05000 \$233.88 \$1,014.87 \$780.99 \$55,350.82
\$55,350.82 0.05000 \$230.63 \$1,014.87 \$784.24 \$54,566.58
\$54,566.58 0.05000 \$227.36 \$1,014.87 \$787.51 \$53,779.07
\$53,779.07 0.05000 \$224.08 \$1,014.87 \$790.79 \$52,988.28
\$52,988.28 0.05000 \$220.78 \$1,014.87 \$794.09 \$52,194.19
\$52,194.19 0.05000 \$217.48 \$1,014.87 \$797.39 \$51,396.80
\$51,396.80 0.05000 \$214.15 \$1,014.87 \$800.72 \$50,596.08
\$50,596.08 0.05000 \$210.82 \$1,014.87 \$804.05 \$49,792.03
\$49,792.03 0.05000 \$207.47 \$1,014.87 \$807.40 \$48,984.62
\$48,984.62 0.05000 \$204.10 \$1,014.87 \$810.77 \$48,173.86
\$48,173.86 0.05000 \$200.72 \$1,014.87 \$814.15 \$47,359.71
\$47,359.71 0.05000 \$197.33 \$1,014.87 \$817.54 \$46,542.17
\$46,542.17 0.05000 \$193.93 \$1,014.87 \$820.94 \$45,721.23
\$45,721.23 0.05000 \$190.51 \$1,014.87 \$824.36 \$44,896.86
\$44,896.86 0.05000 \$187.07 \$1,014.87 \$827.80 \$44,069.06
\$44,069.06 0.05000 \$183.62 \$1,014.87 \$831.25 \$43,237.81
\$43,237.81 0.05000 \$180.16 \$1,014.87 \$834.71 \$42,403.10
\$42,403.10 0.05000 \$176.68 \$1,014.87 \$838.19 \$41,564.91
\$41,564.91 0.05000 \$173.19 \$1,014.87 \$841.68 \$40,723.23
\$40,723.23 0.05000 \$169.68 \$1,014.87 \$845.19 \$39,878.04
\$39,878.04 0.05000 \$166.16 \$1,014.87 \$848.71 \$39,029.33
\$39,029.33 0.05000 \$162.62 \$1,014.87 \$852.25 \$38,177.08
\$38,177.08 0.05000 \$159.07 \$1,014.87 \$855.80 \$37,321.28
\$37,321.28 0.05000 \$155.51 \$1,014.87 \$859.36 \$36,461.92
\$36,461.92 0.05000 \$151.92 \$1,014.87 \$862.95 \$35,598.97
\$35,598.97 0.05000 \$148.33 \$1,014.87 \$866.54 \$34,732.43
\$34,732.43 0.05000 \$144.72 \$1,014.87 \$870.15 \$33,862.28
\$33,862.28 0.05000 \$141.09 \$1,014.87 \$873.78 \$32,988.50
\$32,988.50 0.05000 \$137.45 \$1,014.87 \$877.42 \$32,111.08
\$32,111.08 0.05000 \$133.80 \$1,014.87 \$881.07 \$31,230.01
\$31,230.01 0.05000 \$130.13 \$1,014.87 \$884.74 \$30,345.26
\$30,345.26 0.05000 \$126.44 \$1,014.87 \$888.43 \$29,456.83
\$29,456.83 0.05000 \$122.74 \$1,014.87 \$892.13 \$28,564.70
\$28,564.70 0.05000 \$119.02 \$1,014.87 \$895.85 \$27,668.85
\$27,668.85 0.05000 \$115.29 \$1,014.87 \$899.58 \$26,769.27
\$26,769.27 0.05000 \$111.54 \$1,014.87 \$903.33 \$25,865.93
\$25,865.93 0.05000 \$107.77 \$1,014.87 \$907.10 \$24,958.84
\$24,958.84 0.05000 \$104.00 \$1,014.87 \$910.87 \$24,047.96
\$24,047.96 0.05000 \$100.20 \$1,014.87 \$914.67 \$23,133.29
\$23,133.29 0.05000 \$96.39 \$1,014.87 \$918.48 \$22,214.81
\$22,214.81 0.05000 \$92.56 \$1,014.87 \$922.31 \$21,292.50
\$21,292.50 0.05000 \$88.72 \$1,014.87 \$926.15 \$20,366.35
\$20,366.35 0.05000 \$84.86 \$1,014.87 \$930.01 \$19,436.34
\$19,436.34 0.05000 \$80.98 \$1,014.87 \$933.89 \$18,502.46
\$18,502.46 0.05000 \$77.09 \$1,014.87 \$937.78 \$17,564.68
\$17,564.68 0.05000 \$73.19 \$1,014.87 \$941.68 \$16,623.00
\$16,623.00 0.05000 \$69.26 \$1,014.87 \$945.61 \$15,677.39
\$15,677.39 0.05000 \$65.32 \$1,014.87 \$949.55 \$14,727.84
\$14,727.84 0.05000 \$61.37 \$1,014.87 \$953.50 \$13,774.34
\$13,774.34 0.05000 \$57.39 \$1,014.87 \$957.48 \$12,816.86
\$12,816.86 0.05000 \$53.40 \$1,014.87 \$961.47 \$11,855.40
\$11,855.40 0.05000 \$49.40 \$1,014.87 \$965.47 \$10,889.92
\$10,889.92 0.05000 \$45.37 \$1,014.87 \$969.50 \$9,920.43
\$9,920.43 0.05000 \$41.34 \$1,014.87 \$973.53 \$8,946.89
\$8,946.89 0.05000 \$37.28 \$1,014.87 \$977.59 \$7,969.30
\$7,969.30 0.05000 \$33.21 \$1,014.87 \$981.66 \$6,987.64
\$6,987.64 0.05000 \$29.12 \$1,014.87 \$985.75 \$6,001.88
\$6,001.88 0.05000 \$25.01 \$1,014.87 \$989.86 \$5,012.02
\$5,012.02 0.05000 \$20.88 \$1,014.87 \$993.99 \$4,018.03
\$4,018.03 0.05000 \$16.74 \$1,014.87 \$998.13 \$3,019.91
\$3,019.91 0.05000 \$12.58 \$1,014.87 \$1,002.29 \$2,017.62
\$2,017.62 0.05000 \$08.41 \$1,014.87 \$1,006.46 \$1,011.16
\$1,011.16 0.05000 \$04.21 \$1,015.27 \$1,010.66 \$0.00

If the table did not appear properly, my apologies, but I do not have time to fiddle with formatting now.

If it helps, you could think of it as being two amortization schedules, first being 100k at 5% montlhy with zero payments for 60 months, and then second being \$128,335.87 at 5% monthly fully amortized over 180 months.

Regards, JAFO

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