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Author: JAFO31 Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 121572  
Subject: Re: Any Math Whizzes out there? Date: 3/11/2005 2:45 PM
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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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