Final Assignment Part B

As a financial planner, you have been asked by the bishop to help a family in the ward. You have met with Brother and Sister H
to gather all of their financial information and present it to you. During the last meeting they expressed dispair concerning their
with the following information. They have expressed a sincere desire to put their financial life in order, no matter what sacrifices

You have suggested a family council, and they have explained to their 3 children that everyone will be involved in learning corre
During your previous visit you helped them cut up all of their credit cards. They have made a commitment to "pay as you go", b
You have been asked to prepare a comprehensive financial plan that will help them now, as well as prepare them for retirement
Brother and Sister Hopeful are both 35 years old.
Brother Hopeful has a good job and brings home $4,800 / month in net take home pay. He does have a profit sharing program
in the amount of $150 / month. Sister Hopeful does a small part time job out of their home while the children are at school and

They currently have 2 cars. The older car is paid off, but they still have a payment of $200 / month on the new car for 28 more
but they have a first mortgage payment of $1,149.00 / month on the loan at 6% APR, and $582.82 / month payment on the 2nd
When they purchased their home 8 years ago they made a substantial downpayment, and their home is currently worth $175,0

The average monthly expenses that they have provided show the following: $450 / food, $155 / several lessons for each child,
$70 / life insurance, $200 / medical insurance, $120 / car insurance for both cars, $25 / internet, $95 / cable TV, $275 / all utilitie
$85 / cell phone program for both, $170 / gas for both cars, $85 / bowling league, $35 / newspaper, $30 / misc.
They pay $615 in tithing and offerings and $35 to other charities.

They have given you the following information concerning their debt. Because they cannot make all of their payments, they hav
and in some cases, they have missed payments. They are always receiving debt collection phone calls and there is significant
Sister Hopeful's mother has made some of the payments for them, but her family is not very well off and can't help much longer

Amount
$6,000.00
$1,000.00
$12,619.08
$19,225.00
$5,200.00
$1,969.78
$1,876.97
$49,612.40
$119,412.57
$216,915.80

APR % Current Payment

12.0%
15.0%
11.0%
6.0%
7.0%
12.0%
15.0%
9.5%
6.0%

$158.00
$34.67
$274.37
$280.85
$200.00
$92.72
$65.07
$582.82
$1,149.00
$2,837.50

Payments
Remaining

48
36
60
84
28
24
36
142
147

Description
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Car Loan
Gas Credit Card
Medical Bill
2nd Mortgage
1st Mortgage
Total debt

After reading your written report, the bishop has asked you to serve on a ward council welfare committee to help this faithful fam
As a minimum, the committee has been asked to prepare a monthly budget of their current situation, a proposed budget to help
eliminate all of their debt and prepare them for retirement.

You will receive up to 5 points for the budget of their current situation, up to 10 points for a proposed budget along with suggest
and you will receive up to 10 points for a detailed plan to eliminate their debt and establish a retirement plan (5 + 10 + 10 = 25 p

Submit all of your completed spreadsheet for grading.

have met with Brother and Sister Hopeful and have asked them
expressed dispair concerning their situation and presented you
e in order, no matter what sacrifices they have to make.

ne will be involved in learning correct principles for everyone's long term benefit.
a commitment to "pay as you go", but need help to know where to begin.
well as prepare them for retirement.

does have a profit sharing program where the company contributes to his 401k
hile the children are at school and brings home a net take home paycheck of $350 per month.

month on the new car for 28 more months at 7% APR. They own their home
82.82 / month payment on the 2nd mortgage at 9.5% APR.
eir home is currently worth $175,000.

55 / several lessons for each child, $30 / laundry, $20 / dry cleaning, $15 / gifts
net, $95 / cable TV, $275 / all utilities, $75 home phone service,
paper, $30 / misc.

make all of their payments, they have been making minimum payments,
phone calls and there is significant stress in their home.
well off and can't help much longer.

e committee to help this faithful family.

ituation, a proposed budget to help them progress forward, and a detailed plan to

oposed budget along with suggested changes to meet your plans,

retirement plan (5 + 10 + 10 = 25 points total).

61800

Final Assignment Part B

Age
Net take home pay
401K profit share

Brother and Sister Hopeful

Bro.
Sis.
Both
35
35
$4,800.00
350
$150.00

Car Payment

Expenses
$200.00 months

1st Mortgage
2nd Mortgage

28 APR

7%

$1,149.00

APR

6%

$582.82

APR

9.50%

Total

$1,931.82

Total+Others

$2,837.50

Total after 1st expenses

$2,312.50

Current
Food
Lessons
Laundry
Dry Cleaning
gifts
life insurance
medical
car insurance
internet
cable
utilities
home phone
cell phone
gas
bowling leauge
newspaper
misc.
Tithing
other charities
Total
Remainder

$5,150.00

$450.00
$155.00
$30.00
$20.00
$15.00
$70.00
$200.00
$120.00
$25.00
$95.00
$275.00
$75.00
$85.00
$170.00
$85.00
$30.00
$30.00
$615.00
$35.00
$2,580.00
-$267.50

Recommended
Food
Lessons
Laundry
Dry Cleaning
gifts
life insurance
medical
car insurance
internet
cable
utilities
home phone
cell phone
gas
bowling leauge
newspaper
misc.
Tithing
other charities

Changes
$300.00
$200.00
$120.00
$25.00
$150.00
$85.00
$170.00
$30.00
$615.00
$1,695.00
$617.50

Suggestions:
1) Cut laundry, dry cleaning, gifts, cable, home phone, bowling league, newspaper, and ch
life insurance (not required)
2) Cut back on prices for food and utilites.
3) Pay off the 2nd credit card in first month. ($1000)
4) Next, pay off the Medical Bill, etc. (see tab Amortization pay tables)

Current House Worth

Credit Cards
#1
#2
#3
Gas

175,000

PMT
$6,000.00 ($158.00)
$1,000.00 ($34.67)
$12,619.08 ($274.37)
$1,969.78 ($92.72)
$559.76

Other
C.U. Loan
Med. Bill

$19,225.00 ($280.85)
$1,876.97 ($65.07)
$345.92

wling league, newspaper, and charity donations. Cut

n pay tables)

Group
Adam Ovard
Daniel Carter
Garret Homer
Mele Aholelei
Rebecca Granja
Sarah Abel

Amount
$1,000.00
$1,876.97
$1,969.78
$5,200.00
$6,000.00
$12,619.08
$19,225.00
$49,612.40
$119,412.57
$216,915.80

APR % Current Payment Payments Remaining Description

15.0%
15.0%
12.0%
7.0%
12.0%
11.0%
6.0%
9.5%
6.0%

$34.67
$65.07
$92.72
$200.00
$158.00
$274.37
$280.85
$582.82
$1,149.00
$2,837.50

36
36
24
28
48
60
84
142
147

Credit Card #2
Medical Bill
Gas Credit Card
Car Loan
Credit Card #1
Credit Card #3
Credit Union Loan
2nd Mortgage
1st Mortgage
Total debt

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41

Credit Card #2
Payment
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67
34.67

Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

15%
12.50
12.22
11.94
11.66
11.37
11.08
10.78
10.49
10.18
9.88
9.57
9.25
8.94
8.61
8.29
7.96
7.63
7.29
6.94
6.60
6.25
5.89
5.53
5.17
4.80
4.43
4.05
3.67
3.28
2.89
2.49
2.09
1.68
1.27
0.85

Principal
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

22.17
22.45
22.73
23.01
23.30
23.59
23.89
24.18
24.49
24.79
25.10
25.42
25.73
26.06
26.38
26.71
27.04
27.38
27.73
28.07
28.42
28.78
29.14
29.50
29.87
30.24
30.62
31.00
31.39
31.78
32.18
32.58
32.99
33.40
33.82

Balance
$1,000.00
$977.83
$955.38
$932.66
$909.64
$886.34
$862.75
$838.87
$814.68
$790.20
$765.40
$740.30
$714.89
$689.15
$663.10
$636.71
$610.00
$582.96
$555.58
$527.85
$499.78
$471.36
$442.58
$413.44
$383.94
$354.07
$323.82
$293.20
$262.20
$230.80
$199.02
$166.84
$134.25
$101.26
$67.86
$34.03

42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

Total

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

Medical Bill
Payment
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07
65.07

Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

15%
23.46
22.94
22.42
21.88
21.34
20.80
20.24
19.68
19.11
18.54
17.96
17.37
16.77
16.17
15.56
14.94
14.31
13.68
13.04
12.39
11.73
11.06
10.39
9.70
9.01
8.31
7.60
6.88
6.15
5.42
4.67
3.92
3.15
2.38
1.59
0.80

Principal
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

41.61
42.13
42.65
43.19
43.73
44.27
44.83
45.39
45.96
46.53
47.11
47.70
48.30
48.90
49.51
50.13
50.76
51.39
52.03
52.68
53.34
54.01
54.68
55.37
56.06
56.76
57.47
58.19
58.92
59.65
60.40
61.15
61.92
62.69
63.48
64.27

Balance
$1,876.97
$1,835.36
$1,793.23
$1,750.58
$1,707.39
$1,663.66
$1,619.39
$1,574.56
$1,529.17
$1,483.22
$1,436.69
$1,389.58
$1,341.88
$1,293.58
$1,244.68
$1,195.17
$1,145.04
$1,094.28
$1,042.89
$990.86
$938.17
$884.83
$830.82
$776.14
$720.77
$664.71
$607.95
$550.47
$492.29
$433.37
$373.72
$313.32
$252.16
$190.25
$127.55
$64.08
-$0.19

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

37

37

38

38

39

39

40

40

41

41

42

42

43

43

44

44

45

45

46

46

47

47

48

48

49

49

50

50

51

51

52

52

53

53

54

54

55

55

56

56

57

57

58

58

59

59

60

60

Total

Gas Credit Card

Payment
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72
92.72

Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

12%
19.70
18.97
18.23
17.49
16.73
15.97
15.21
14.43
13.65
12.86
12.06
11.25
10.44
9.61
8.78
7.94
7.10
6.24
5.37
4.50
3.62
2.73
1.83
0.92
0.00

Principal
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

73.02
73.75
74.49
75.23
75.99
76.75
77.51
78.29
79.07
79.86
80.66
81.47
82.28
83.11
83.94
84.78
85.62
86.48
87.35
88.22
89.10
89.99
90.89
91.80
92.72

Balance
$1,969.78
$1,896.76
$1,823.01
$1,748.52
$1,673.28
$1,597.29
$1,520.55
$1,443.03
$1,364.74
$1,285.67
$1,205.81
$1,125.14
$1,043.68
$961.39
$878.29
$794.35
$709.57
$623.95
$537.47
$450.12
$361.90
$272.80
$182.81
$91.92
$0.12
-$92.60

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41

42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

Total

Car Loan
Payment
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Interest
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00
200.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

7%
30.33
29.34
28.35
27.35
26.34
25.33
24.31
23.28
22.25
21.22
20.17
19.12
18.07
17.01
15.94
14.87
13.79
12.70
11.61
10.51
9.40
8.29
7.17
6.05
4.92
3.78
2.63
1.48
0.32

Principal
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

169.67
170.66
171.65
172.65
173.66
174.67
175.69
176.72
177.75
178.78
179.83
180.88
181.93
182.99
184.06
185.13
186.21
187.30
188.39
189.49
190.60
191.71
192.83
193.95
195.08
196.22
197.37
198.52
199.68

Balance
$5,200.00
$5,030.33
$4,859.68
$4,688.03
$4,515.37
$4,341.71
$4,167.04
$3,991.35
$3,814.63
$3,636.88
$3,458.10
$3,278.27
$3,097.39
$2,915.46
$2,732.47
$2,548.41
$2,363.27
$2,177.06
$1,989.76
$1,801.36
$1,611.87
$1,421.27
$1,229.56
$1,036.74
$842.78
$647.70
$451.48
$254.11
$55.60
-$144.08

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41

42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

Total

Credit Card #1
Payment
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Interest
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

12%
60.00
59.02
58.03
57.03
56.02
55.00
53.97
52.93
51.88
50.82
49.75
48.66
47.57
46.47
45.35
44.23
43.09
41.94
40.78
39.61
38.42
37.23
36.02
34.80
33.57
32.32
31.06
29.80
28.51
27.22
25.91
24.59
23.26
21.91
20.55
19.17
17.78
16.38
14.97
13.54
12.09

Principal
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

98.00
98.98
99.97
100.97
101.98
103.00
104.03
105.07
106.12
107.18
108.25
109.34
110.43
111.53
112.65
113.77
114.91
116.06
117.22
118.39
119.58
120.77
121.98
123.20
124.43
125.68
126.94
128.20
129.49
130.78
132.09
133.41
134.74
136.09
137.45
138.83
140.22
141.62
143.03
144.46
145.91

Balance
$6,000.00
$5,902.00
$5,803.02
$5,703.05
$5,602.08
$5,500.10
$5,397.10
$5,293.07
$5,188.00
$5,081.88
$4,974.70
$4,866.45
$4,757.11
$4,646.69
$4,535.15
$4,422.50
$4,308.73
$4,193.82
$4,077.75
$3,960.53
$3,842.14
$3,722.56
$3,601.78
$3,479.80
$3,356.60
$3,232.17
$3,106.49
$2,979.55
$2,851.35
$2,721.86
$2,591.08
$2,458.99
$2,325.58
$2,190.84
$2,054.75
$1,917.29
$1,778.47
$1,638.25
$1,496.63
$1,353.60
$1,209.14
$1,063.23

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41

$
$
$
$
$
$
$
$

158.00
158.00
158.00
158.00
158.00
158.00
158.00
158.00

$ 10.63
$
9.16
$
7.67
$
6.17
$
4.65
$
3.12
$
1.57
$
0.00

$
$
$
$
$
$
$
$

147.37
148.84
150.33
151.83
153.35
154.88
156.43
158.00

$915.86
$767.02
$616.69
$464.85
$311.50
$156.62
$0.18
-$157.81

42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

Total

Credit Card #3
Payment
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Interest
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

11%
115.67
114.22
112.75
111.27
109.78
108.27
106.74
105.21
103.66
102.09
100.51
98.92
97.31
95.69
94.05
92.40
90.73
89.05
87.35
85.63
83.90
82.16
80.39
78.62
76.82
75.01
73.18
71.34
69.48
67.60
65.70
63.79
61.86
59.91
57.95
55.96
53.96
51.94
49.90
47.84
45.77

Principal
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

158.70
160.15
161.62
163.10
164.59
166.10
167.63
169.16
170.71
172.28
173.86
175.45
177.06
178.68
180.32
181.97
183.64
185.32
187.02
188.74
190.47
192.21
193.98
195.75
197.55
199.36
201.19
203.03
204.89
206.77
208.67
210.58
212.51
214.46
216.42
218.41
220.41
222.43
224.47
226.53
228.60

Balance
$12,619.08
$12,460.38
$12,300.24
$12,138.62
$11,975.52
$11,810.92
$11,644.82
$11,477.19
$11,308.03
$11,137.32
$10,965.04
$10,791.18
$10,615.73
$10,438.67
$10,259.99
$10,079.67
$9,897.70
$9,714.06
$9,528.73
$9,341.71
$9,152.97
$8,962.50
$8,770.29
$8,576.32
$8,380.56
$8,183.01
$7,983.65
$7,782.47
$7,579.44
$7,374.55
$7,167.78
$6,959.11
$6,748.53
$6,536.02
$6,321.57
$6,105.14
$5,886.74
$5,666.33
$5,443.90
$5,219.43
$4,992.91
$4,764.31

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37
274.37

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

43.67
41.56
39.42
37.27
35.10
32.90
30.69
28.46
26.20
23.93
21.63
19.31
16.98
14.62
12.24
9.83
7.41
4.96
2.49

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

230.70
232.81
234.95
237.10
239.27
241.47
243.68
245.91
248.17
250.44
252.74
255.06
257.39
259.75
262.13
264.54
266.96
269.41
271.88

$4,533.61
$4,300.80
$4,065.85
$3,828.75
$3,589.48
$3,348.01
$3,104.33
$2,858.42
$2,610.25
$2,359.81
$2,107.07
$1,852.01
$1,594.62
$1,334.87
$1,072.74
$808.20
$541.24
$271.83
-$0.05

42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84

Credit Union Loan

Payment

Interest

Principal

6%
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

96.13
95.20
94.27
93.34
92.40
91.46
90.51
89.56
88.61
87.64
86.68
85.71
84.73
83.75
82.77
81.78
80.78
79.78
78.77
77.76
76.75
75.73
74.70
73.67
72.64
71.59
70.55
69.50
68.44
67.38
66.31
65.24
64.16
63.08
61.99
60.89
59.79
58.69
57.58
56.46
55.34

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

184.73
185.65
186.58
187.51
188.45
189.39
190.34
191.29
192.24
193.21
194.17
195.14
196.12
197.10
198.08
199.07
200.07
201.07
202.08
203.09
204.10
205.12
206.15
207.18
208.21
209.26
210.30
211.35
212.41
213.47
214.54
215.61
216.69
217.77
218.86
219.96
221.06
222.16
223.27
224.39
225.51

Balance
$19,225.00
$19,040.28
$18,854.63
$18,668.05
$18,480.54
$18,292.09
$18,102.70
$17,912.37
$17,721.08
$17,528.83
$17,335.63
$17,141.46
$16,946.31
$16,750.19
$16,553.10
$16,355.01
$16,155.94
$15,955.87
$15,754.80
$15,552.72
$15,349.63
$15,145.53
$14,940.41
$14,734.26
$14,527.08
$14,318.87
$14,109.61
$13,899.31
$13,687.96
$13,475.55
$13,262.07
$13,047.53
$12,831.92
$12,615.23
$12,397.46
$12,178.60
$11,958.64
$11,737.58
$11,515.42
$11,292.15
$11,067.76
$10,842.25

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85
280.85

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

54.21
53.08
51.94
50.79
49.64
48.49
47.33
46.16
44.99
43.81
42.62
41.43
40.23
39.03
37.82
36.61
35.38
34.16
32.92
31.68
30.44
29.19
27.93
26.66
25.39
24.11
22.83
21.54
20.24
18.94
17.63
16.32
14.99
13.66
12.33
10.99
9.64
8.28
6.92
5.55
4.17
2.79
1.40

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

226.64
227.77
228.91
230.06
231.21
232.36
233.52
234.69
235.86
237.04
238.23
239.42
240.62
241.82
243.03
244.24
245.47
246.69
247.93
249.17
250.41
251.66
252.92
254.19
255.46
256.74
258.02
259.31
260.61
261.91
263.22
264.53
265.86
267.19
268.52
269.86
271.21
272.57
273.93
275.30
276.68
278.06
279.45

$10,615.61
$10,387.83
$10,158.92
$9,928.87
$9,697.66
$9,465.30
$9,231.78
$8,997.09
$8,761.22
$8,524.18
$8,285.95
$8,046.53
$7,805.91
$7,564.09
$7,321.06
$7,076.82
$6,831.35
$6,584.66
$6,336.73
$6,087.56
$5,837.15
$5,585.49
$5,332.57
$5,078.38
$4,822.92
$4,566.19
$4,308.17
$4,048.86
$3,788.25
$3,526.34
$3,263.12
$2,998.59
$2,732.73
$2,465.55
$2,197.02
$1,927.16
$1,655.95
$1,383.37
$1,109.44
$834.14
$557.46
$279.40
-$0.06

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41

2nd Mortgage
Payment
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82

Interest
9.5%
$ 392.76
$ 391.26
$ 389.74
$ 388.22
$ 386.67
$ 385.12
$ 383.56
$ 381.98
$ 380.39
$ 378.79
$ 377.17
$ 375.54
$ 373.90
$ 372.25
$ 370.58
$ 368.90
$ 367.21
$ 365.50
$ 363.78
$ 362.05
$ 360.30
$ 358.54
$ 356.76
$ 354.97
$ 353.17
$ 351.35
$ 349.52
$ 347.67
$ 345.81
$ 343.93
$ 342.04
$ 340.13
$ 338.21
$ 336.28
$ 334.33
$ 332.36
$ 330.38
$ 328.38
$ 326.36
$ 324.33
$ 322.29

Principal
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

190.06
191.56
193.08
194.60
196.15
197.70
199.26
200.84
202.43
204.03
205.65
207.28
208.92
210.57
212.24
213.92
215.61
217.32
219.04
220.77
222.52
224.28
226.06
227.85
229.65
231.47
233.30
235.15
237.01
238.89
240.78
242.69
244.61
246.54
248.49
250.46
252.44
254.44
256.46
258.49
260.53

Balance
$49,612.40
$49,422.34
$49,230.79
$49,037.71
$48,843.10
$48,646.96
$48,449.26
$48,250.00
$48,049.16
$47,846.73
$47,642.69
$47,437.04
$47,229.77
$47,020.85
$46,810.28
$46,598.04
$46,384.12
$46,168.51
$45,951.19
$45,732.15
$45,511.37
$45,288.85
$45,064.57
$44,838.51
$44,610.66
$44,381.01
$44,149.54
$43,916.24
$43,681.09
$43,444.08
$43,205.19
$42,964.41
$42,721.72
$42,477.12
$42,230.57
$41,982.08
$41,731.62
$41,479.17
$41,224.73
$40,968.27
$40,709.78
$40,449.25

42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

320.22
318.14
316.05
313.94
311.81
309.66
307.50
305.32
303.12
300.91
298.68
296.43
294.16
291.88
289.57
287.25
284.91
282.55
280.18
277.78
275.36
272.93
270.48
268.00
265.51
263.00
260.47
257.92
255.34
252.75
250.14
247.51
244.85
242.17
239.48
236.76
234.02
231.26
228.48
225.67
222.84
219.99
217.12
214.23
211.31

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

262.60
264.68
266.77
268.88
271.01
273.16
275.32
277.50
279.70
281.91
284.14
286.39
288.66
290.94
293.25
295.57
297.91
300.27
302.64
305.04
307.46
309.89
312.34
314.82
317.31
319.82
322.35
324.90
327.48
330.07
332.68
335.31
337.97
340.65
343.34
346.06
348.80
351.56
354.34
357.15
359.98
362.83
365.70
368.59
371.51

$40,186.65
$39,921.98
$39,655.21
$39,386.32
$39,115.31
$38,842.16
$38,566.84
$38,289.34
$38,009.64
$37,727.73
$37,443.59
$37,157.20
$36,868.54
$36,577.59
$36,284.35
$35,988.78
$35,690.87
$35,390.60
$35,087.96
$34,782.92
$34,475.46
$34,165.57
$33,853.23
$33,538.41
$33,221.11
$32,901.29
$32,578.94
$32,254.03
$31,926.56
$31,596.49
$31,263.81
$30,928.49
$30,590.52
$30,249.88
$29,906.54
$29,560.48
$29,211.68
$28,860.12
$28,505.77
$28,148.62
$27,788.65
$27,425.82
$27,060.12
$26,691.53
$26,320.01

87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

208.37
205.40
202.41
199.40
196.37
193.31
190.22
187.12
183.98
180.83
177.64
174.44
171.20
167.94
164.66
161.35
158.01
154.65
151.26
147.84
144.40
140.93
137.43
133.91
130.35
126.77
123.16
119.52
115.85
112.16
108.43
104.67
100.89
97.07
93.23
89.35
85.44
81.51
77.54
73.54
69.51
65.44
61.35
57.22
53.06

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

374.45
377.42
380.41
383.42
386.45
389.51
392.60
395.70
398.84
401.99
405.18
408.38
411.62
414.88
418.16
421.47
424.81
428.17
431.56
434.98
438.42
441.89
445.39
448.91
452.47
456.05
459.66
463.30
466.97
470.66
474.39
478.15
481.93
485.75
489.59
493.47
497.38
501.31
505.28
509.28
513.31
517.38
521.47
525.60
529.76

$25,945.56
$25,568.14
$25,187.74
$24,804.32
$24,417.87
$24,028.36
$23,635.76
$23,240.06
$22,841.22
$22,439.23
$22,034.05
$21,625.67
$21,214.05
$20,799.18
$20,381.02
$19,959.54
$19,534.74
$19,106.57
$18,675.01
$18,240.03
$17,801.61
$17,359.72
$16,914.33
$16,465.42
$16,012.95
$15,556.90
$15,097.24
$14,633.94
$14,166.97
$13,696.30
$13,221.91
$12,743.77
$12,261.84
$11,776.09
$11,286.50
$10,793.03
$10,295.65
$9,794.34
$9,289.06
$8,779.78
$8,266.46
$7,749.08
$7,227.61
$6,702.01
$6,172.25

132
133
134
135
136
137
138
139
140
141
142
143

$
$
$
$
$
$
$
$
$
$
$
$

582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82
582.82

$
$
$
$
$
$
$
$
$
$
$
$

48.86
44.64
40.38
36.08
31.75
27.39
22.99
18.56
14.09
9.59
5.05
0.48

$
$
$
$
$
$
$
$
$
$
$
$

533.96
538.18
542.44
546.74
551.07
555.43
559.83
564.26
568.73
573.23
577.77
582.34

$5,638.29
$5,100.11
$4,557.66
$4,010.93
$3,459.86
$2,904.43
$2,344.60
$1,780.34
$1,211.62
$638.39
$60.62
-$521.72

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41

1st Mortgage
Payment
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00

Interest
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

6.0%
597.06
594.30
591.53
588.74
585.94
583.13
580.30
577.45
574.60
571.72
568.84
565.94
563.02
560.09
557.15
554.19
551.21
548.22
545.22
542.20
539.17
536.12
533.05
529.97
526.88
523.77
520.64
517.50
514.34
511.17
507.98
504.78
501.55
498.32
495.06
491.79
488.51
485.21
481.89
478.55
475.20

Principal
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

551.94
554.70
557.47
560.26
563.06
565.87
568.70
571.55
574.40
577.28
580.16
583.06
585.98
588.91
591.85
594.81
597.79
600.78
603.78
606.80
609.83
612.88
615.95
619.03
622.12
625.23
628.36
631.50
634.66
637.83
641.02
644.22
647.45
650.68
653.94
657.21
660.49
663.79
667.11
670.45
673.80

Balance
$119,412.57
$118,860.63
$118,305.94
$117,748.47
$117,188.21
$116,625.15
$116,059.27
$115,490.57
$114,919.02
$114,344.62
$113,767.34
$113,187.18
$112,604.11
$112,018.14
$111,429.23
$110,837.37
$110,242.56
$109,644.77
$109,044.00
$108,440.22
$107,833.42
$107,223.58
$106,610.70
$105,994.76
$105,375.73
$104,753.61
$104,128.38
$103,500.02
$102,868.52
$102,233.86
$101,596.03
$100,955.01
$100,310.78
$99,663.34
$99,012.66
$98,358.72
$97,701.51
$97,041.02
$96,377.22
$95,710.11
$95,039.66
$94,365.86

42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

471.83
468.44
465.04
461.62
458.18
454.73
451.26
447.77
444.26
440.74
437.20
433.64
430.06
426.47
422.86
419.22
415.58
411.91
408.22
404.52
400.80
397.06
393.30
389.52
385.72
381.90
378.07
374.21
370.34
366.45
362.53
358.60
354.65
350.68
346.69
342.67
338.64
334.59
330.52
326.43
322.31
318.18
314.03
309.85
305.66

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

677.17
680.56
683.96
687.38
690.82
694.27
697.74
701.23
704.74
708.26
711.80
715.36
718.94
722.53
726.14
729.78
733.42
737.09
740.78
744.48
748.20
751.94
755.70
759.48
763.28
767.10
770.93
774.79
778.66
782.55
786.47
790.40
794.35
798.32
802.31
806.33
810.36
814.41
818.48
822.57
826.69
830.82
834.97
839.15
843.34

$93,688.69
$93,008.13
$92,324.17
$91,636.79
$90,945.98
$90,251.71
$89,553.97
$88,852.74
$88,148.00
$87,439.74
$86,727.94
$86,012.58
$85,293.64
$84,571.11
$83,844.97
$83,115.19
$82,381.77
$81,644.67
$80,903.90
$80,159.42
$79,411.21
$78,659.27
$77,903.57
$77,144.09
$76,380.81
$75,613.71
$74,842.78
$74,067.99
$73,289.33
$72,506.78
$71,720.31
$70,929.91
$70,135.56
$69,337.24
$68,534.93
$67,728.60
$66,918.25
$66,103.84
$65,285.36
$64,462.78
$63,636.10
$62,805.28
$61,970.30
$61,131.15
$60,287.81

87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

301.44
297.20
292.94
288.66
284.36
280.04
275.69
271.33
266.94
262.53
258.09
253.64
249.16
244.66
240.14
235.60
231.03
226.44
221.83
217.19
212.53
207.85
203.15
198.42
193.66
188.89
184.09
179.26
174.41
169.54
164.64
159.72
154.77
149.80
144.81
139.79
134.74
129.67
124.57
119.45
114.30
109.13
103.93
98.70
93.45

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

847.56
851.80
856.06
860.34
864.64
868.96
873.31
877.67
882.06
886.47
890.91
895.36
899.84
904.34
908.86
913.40
917.97
922.56
927.17
931.81
936.47
941.15
945.85
950.58
955.34
960.11
964.91
969.74
974.59
979.46
984.36
989.28
994.23
999.20
1,004.19
1,009.21
1,014.26
1,019.33
1,024.43
1,029.55
1,034.70
1,039.87
1,045.07
1,050.30
1,055.55

$59,440.25
$58,588.45
$57,732.39
$56,872.06
$56,007.42
$55,138.45
$54,265.14
$53,387.47
$52,505.41
$51,618.93
$50,728.03
$49,832.67
$48,932.83
$48,028.50
$47,119.64
$46,206.24
$45,288.27
$44,365.71
$43,438.54
$42,506.73
$41,570.27
$40,629.12
$39,683.26
$38,732.68
$37,777.34
$36,817.23
$35,852.31
$34,882.58
$33,907.99
$32,928.53
$31,944.17
$30,954.89
$29,960.67
$28,961.47
$27,957.28
$26,948.06
$25,933.80
$24,914.47
$23,890.05
$22,860.50
$21,825.80
$20,785.93
$19,740.86
$18,690.56
$17,635.01

132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00
1,149.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

88.18
82.87
77.54
72.18
66.80
61.39
55.95
50.48
44.99
39.47
33.92
28.35
22.75
17.11
11.46
5.77
0.05

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,060.82
1,066.13
1,071.46
1,076.82
1,082.20
1,087.61
1,093.05
1,098.52
1,104.01
1,109.53
1,115.08
1,120.65
1,126.25
1,131.89
1,137.54
1,143.23
1,148.95

$16,574.19
$15,508.06
$14,436.60
$13,359.78
$12,277.58
$11,189.97
$10,096.92
$8,998.40
$7,894.40
$6,784.87
$5,669.79
$4,549.14
$3,422.89
$2,291.00
$1,153.46
$10.22
-$1,138.72

Retirement Income Projection

Present Desired Annual Income
Desired Retirement Annual Income

(75% of A)
Inflation Adjusted Income at Retirement

Years to Retirement
Years of Retirement
Years of Retirement divided by 2
Total Years of Inflation
Inflation Rate (%)
Total Inflated Retirement
Annual Income (future value)

Sources of Retirement Income

Social Security (___% of C)

Company Pension Plan (___% of C)
Personal Retirement Plan (___% of C)
Investment Fund Required for Personal Retirement Plan

Estimated rate of return on Investment Funds

Years of Retirement
Total Fund Required (Present Value Annuity)
Annual Savings Required to Generate the

Investment Fund
Years to Retirement
Estimated Rate of Return
Annual Savings Required (Payment)
Monthly Savings Required (Annual divided by 12)

tion
(A)

$61,800.00

75% (B)

$46,350.00

32
20
10
52
10.0%
(C)

0%
5%
4%

$8,222,867.31

$0.00
$411,143.37
$328,914.69

9.0%
20
$3,002,512.79

150
32
9.00%