I am trying to calculate when it isn’t worthwhile for me to pay down principle on my mortgage anymore. I am only (just under) 3 years into a 30 year mortgage, and right now according to a spreadsheet I downloaded().For every dollar I pay this month extra , I save $1.66ish on interest, which sounds like a 166% return on my investment.

For our $100,000 mortgage at 5% compounded monthly for 15 years, we would first solve for i as i = 0.05 / 12 = 0.004167 and n as 12 x 15 = 180 monthly payments Next we would solve for (1 + i)n = (1.004167)180 using the xy key on the calculator, which yields 2.11383

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Mortgage loan is $100,000, with 30-year duration. You can choose either to pay down payment or not. If you don’t, annual interest rate is 12%, if you do take the offer of paying $2,000 (2% discount point off initial $100,000), you get 11.5% annual interest rate.

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To calculate mortgage interest, consider each period of the loan with a constant interest rate as a separate loan, then sum the interest payments for each period.

I am trying to reverse engineer the formula to calculate monthly payments on a mortgage, but haven’t been to a math class in about 16 years. I am looking to get the formula (to modify into a google spreadsheet) to figure out what the principal amount on a mortgage is if I know the interest rate and the monthly payment.

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Amortizing a mortgage is popular florida real estate Exam Question. Learn how to calculate mortgage interest payments and principal reduction using mortgage amortization. Study this math problem.

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