XLS Extra Payment Mortgage Calculator

About This Spreadsheet© 2005 Vertex42 LLCLoan InformationInvestment InformationLoan Amount 150000Annual Interest Rate 0.0642Annual Interest Rate 0.0642Term of Loan (in Years) 15Extra Monthly Payment 100Months to Display =E13+15Loan SummaryExtra PaymentsNo Extra PaymentsYears=L9/12Monthly Payment=-PMT(D6/12,D7*12,D5)+D8=-PMT(D6/12,D7*12,D5)Number of Payments=ROUNDUP(NPER(D6/12,D12,-D5),0)=NPER(D6/12,E12,-D5)Loan 1Loan 2Total Payments=SUM(OFFSET(B21,2,0,D13,1))=E13*E12Home Equity=SUM(OFFSET(E21,2,0,L9,1))=-CUMPRINC($D$6/12,$D$7*12,$D$5,1,MIN($L$9,D7*12),0)Total Interest=SUM(OFFSET(C21,2,0,D13,1))=-CUMIPMT(D6/12,D7*12,D5,1,D7*12,0)Investment=IF($L$9>=$D$13,FV($L$6/12,($L$9-$D$13),-$D$12),0)=IF(L9>D7*12,FV(L6/12,L9-D7*12,-D12,-FV(L6/12,D7*12,-D8)),FV(L6/12,L9,-D8))Payoff (in Years)=(D13)/12Interest Savings=E15-D15[42]MonthPaymentInterestCumulative InterestPrincipalCumulative PrincipalBalanceSaved InterestInvestment Option 1Interest GainedInvestment ValueInvestment Option 2Interest Gained=D51=IF(A23$D$13,"",(1+$D$6/12)*G22))=IF(A23>$D$13,"",$D$6/12*G22)=IF($A23>$D$13,"",SUM(C$23:C23))=IF($A23>$D$13,"",B23-C23)=IF($A23>$D$13,"",SUM(E$23:E23))=IF(A23>$D$13,"",G22-E23)=IF(A23>12*$D$7,"",-IPMT($D$6/12,A23,$D$7*12,$D$5)-IF(A23>$D$13,0,C23))=IF(A23>$D$7*12,$D$12,$D$8)=$L$6/12*L22=K23+J23+L22=IF(A23$D$13,"",$D$6/12*G23)=IF($A24>$D$13,"",SUM(C$23:C24))=IF($A24>$D$13,"",B24-C24)=IF($A24>$D$13,"",SUM(E$23:E24))=IF(A24>$D$13,"",G23-E24)=IF(A24>12*$D$7,"",-IPMT($D$6/12,A24,$D$7*12,$D$5)-IF(A24>$D$13,0,C24))=IF(A24>$D$7*12,$D$12,$D$8)=$L$6/12*L23=K24+J24+L23=IF(A24$D$13,"",$D$6/12*G24)=IF($A25>$D$13,"",SUM(C$23:C25))=IF($A25>$D$13,"",B25-C25)=IF($A25>$D$13,"",SUM(E$23:E25))=IF(A25>$D$13,"",G24-E25)=IF(A25>12*$D$7,"",-IPMT($D$6/12,A25,$D$7*12,$D$5)-IF(A25>$D$13,0,C25))=IF(A25>$D$7*12,$D$12,$D$8)=$L$6/12*L24=K25+J25+L24=IF(A25$D$13,"",$D$6/12*G25)=IF($A26>$D$13,"",SUM(C$23:C26))=IF($A26>$D$13,"",B26-C26)=IF($A26>$D$13,"",SUM(E$23:E26))=IF(A26>$D$13,"",G25-E26)=IF(A26>12*$D$7,"",-IPMT($D$6/12,A26,$D$7*12,$D$5)-IF(A26>$D$13,0,C26))=IF(A26>$D$7*12,$D$12,$D$8)=$L$6/12*L25=K26+J26+L25=IF(A26$D$13,"",$D$6/12*G26)=IF($A27>$D$13,"",SUM(C$23:C27))=IF($A27>$D$13,"",B27-C27)=IF($A27>$D$13,"",SUM(E$23:E27))=IF(A27>$D$13,"",G26-E27)=IF(A27>12*$D$7,"",-IPMT($D$6/12,A27,$D$7*12,$D$5)-IF(A27>$D$13,0,C27))=IF(A27>$D$7*12,$D$12,$D$8)=$L$6/12*L26=K27+J27+L26=IF(A27$D$13,"",$D$6/12*G27)=IF($A28>$D$13,"",SUM(C$23:C28))=IF($A28>$D$13,"",B28-C28)=IF($A28>$D$13,"",SUM(E$23:E28))=IF(A28>$D$13,"",G27-E28)=IF(A28>12*$D$7,"",-IPMT($D$6/12,A28,$D$7*12,$D$5)-IF(A28>$D$13,0,C28))=IF(A28>$D$7*12,$D$12,$D$8)=$L$6/12*L27=K28+J28+L27=IF(A28$D$13,"",$D$6/12*G28)=IF($A29>$D$13,"",SUM(C$23:C29))=IF($A29>$D$13,"",B29-C29)=IF($A29>$D$13,"",SUM(E$23:E29))=IF(A29>$D$13,"",G28-E29)=IF(A29>12*$D$7,"",-IPMT($D$6/12,A29,$D$7*12,$D$5)-IF(A29>$D$13,0,C29))=IF(A29>$D$7*12,$D$12,$D$8)=$L$6/12*L28=K29+J29+L28=IF(A29$D$13,"",$D$6/12*G29)=IF($A30>$D$13,"",SUM(C$23:C30))=IF($A30>$D$13,"",B30-C30)=IF($A30>$D$13,"",SUM(E$23:E30))=IF(A30>$D$13,"",G29-E30)=IF(A30>12*$D$7,"",-IPMT($D$6/12,A30,$D$7*12,$D$5)-IF(A30>$D$13,0,C30))=IF(A30>$D$7*12,$D$12,$D$8)=$L$6/12*L29=K30+J30+L29=IF(A30$D$13,"",$D$6/12*G30)=IF($A31>$D$13,"",SUM(C$23:C31))=IF($A31>$D$13,"",B31-C31)=IF($A31>$D$13,"",SUM(E$23:E31))=IF(A31>$D$13,"",G30-E31)=IF(A31>12*$D$7,"",-IPMT($D$6/12,A31,$D$7*12,$D$5)-IF(A31>$D$13,0,C31))=IF(A31>$D$7*12,$D$12,$D$8)=$L$6/12*L30=K31+J31+L30=IF(A31$D$13,"",$D$6/12*G31)=IF($A32>$D$13,"",SUM(C$23:C32))=IF($A32>$D$13,"",B32-C32)=IF($A32>$D$13,"",SUM(E$23:E32))=IF(A32>$D$13,"",G31-E32)=IF(A32>12*$D$7,"",-IPMT($D$6/12,A32,$D$7*12,$D$5)-IF(A32>$D$13,0,C32))=IF(A32>$D$7*12,$D$12,$D$8)=$L$6/12*L31=K32+J32+L31=IF(A32$D$13,"",$D$6/12*G32)=IF($A33>$D$13,"",SUM(C$23:C33))=IF($A33>$D$13,"",B33-C33)=IF($A33>$D$13,"",SUM(E$23:E33))=IF(A33>$D$13,"",G32-E33)=IF(A33>12*$D$7,"",-IPMT($D$6/12,A33,$D$7*12,$D$5)-IF(A33>$D$13,0,C33))=IF(A33>$D$7*12,$D$12,$D$8)=$L$6/12*L32=K33+J33+L32=IF(A33$D$13,"",$D$6/12*G33)=IF($A34>$D$13,"",SUM(C$23:C34))=IF($A34>$D$13,"",B34-C34)=IF($A34>$D$13,"",SUM(E$23:E34))=IF(A34>$D$13,"",G33-E34)=IF(A34>12*$D$7,"",-IPMT($D$6/12,A34,$D$7*12,$D$5)-IF(A34>$D$13,0,C34))=IF(A34>$D$7*12,$D$12,$D$8)=$L$6/12*L33=K34+J34+L33=IF(A34$D$13,"",$D$6/12*G34)=IF($A35>$D$13,"",SUM(C$23:C35))=IF($A35>$D$13,"",B35-C35)=IF($A35>$D$13,"",SUM(E$23:E35))=IF(A35>$D$13,"",G34-E35)=IF(A35>12*$D$7,"",-IPMT($D$6/12,A35,$D$7*12,$D$5)-IF(A35>$D$13,0,C35))=IF(A35>$D$7*12,$D$12,$D$8)=$L$6/12*L34=K35+J35+L34=IF(A35$D$13,"",$D$6/12*G35)=IF($A36>$D$13,"",SUM(C$23:C36))=IF($A36>$D$13,"",B36-C36)=IF($A36>$D$13,"",SUM(E$23:E36))=IF(A36>$D$13,"",G35-E36)=IF(A36>12*$D$7,"",-IPMT($D$6/12,A36,$D$7*12,$D$5)-IF(A36>$D$13,0,C36))=IF(A36>$D$7*12,$D$12,$D$8)=$L$6/12*L35=K36+J36+L35=IF(A36$D$13,"",$D$6/12*G36)=IF($A37>$D$13,"",SUM(C$23:C37))=IF($A37>$D$13,"",B37-C37)=IF($A37>$D$13,"",SUM(E$23:E37))=IF(A37>$D$13,"",G36-E37)=IF(A37>12*$D$7,"",-IPMT($D$6/12,A37,$D$7*12,$D$5)-IF(A37>$D$13,0,C37))=IF(A37>$D$7*12,$D$12,$D$8)=$L$6/12*L36=K37+J37+L36=IF(A37$D$13,"",$D$6/12*G37)=IF($A38>$D$13,"",SUM(C$23:C38))=IF($A38>$D$13,"",B38-C38)=IF($A38>$D$13,"",SUM(E$23:E38))=IF(A38>$D$13,"",G37-E38)=IF(A38>12*$D$7,"",-IPMT($D$6/12,A38,$D$7*12,$D$5)-IF(A38>$D$13,0,C38))=IF(A38>$D$7*12,$D$12,$D$8)=$L$6/12*L37=K38+J38+L37=IF(A38$D$13,"",$D$6/12*G38)=IF($A39>$D$13,"",SUM(C$23:C39))=IF($A39>$D$13,"",B39-C39)=IF($A39>$D$13,"",SUM(E$23:E39))=IF(A39>$D$13,"",G38-E39)=IF(A39>12*$D$7,"",-IPMT($D$6/12,A39,$D$7*12,$D$5)-IF(A39>$D$13,0,C39))=IF(A39>$D$7*12,$D$12,$D$8)=$L$6/12*L38=K39+J39+L38=IF(A39$D$13,"",$D$6/12*G39)=IF($A40>$D$13,"",SUM(C$23:C40))=IF($A40>$D$13,"",B40-C40)=IF($A40>$D$13,"",SUM(E$23:E40))=IF(A40>$D$13,"",G39-E40)=IF(A40>12*$D$7,"",-IPMT($D$6/12,A40,$D$7*12,$D$5)-IF(A40>$D$13,0,C40))=IF(A40>$D$7*12,$D$12,$D$8)=$L$6/12*L39=K40+J40+L39=IF(A40$D$13,"",$D$6/12*G40)=IF($A41>$D$13,"",SUM(C$23:C41))=IF($A41>$D$13,"",B41-C41)=IF($A41>$D$13,"",SUM(E$23:E41))=IF(A41>$D$13,"",G40-E41)=IF(A41>12*$D$7,"",-IPMT($D$6/12,A41,$D$7*12,$D$5)-IF(A41>$D$13,0,C41))=IF(A41>$D$7*12,$D$12,$D$8)=$L$6/12*L40=K41+J41+L40=IF(A41$D$13,"",$D$6/12*G41)=IF($A42>$D$13,"",SUM(C$23:C42))=IF($A42>$D$13,"",B42-C42)=IF($A42>$D$13,"",SUM(E$23:E42))=IF(A42>$D$13,"",G41-E42)=IF(A42>12*$D$7,"",-IPMT($D$6/12,A42,$D$7*12,$D$5)-IF(A42>$D$13,0,C42))=IF(A42>$D$7*12,$D$12,$D$8)=$L$6/12*L41=K42+J42+L41=IF(A42$D$13,"",$D$6/12*G42)=IF($A43>$D$13,"",SUM(C$23:C43))=IF($A43>$D$13,"",B43-C43)=IF($A43>$D$13,"",SUM(E$23:E43))=IF(A43>$D$13,"",G42-E43)=IF(A43>12*$D$7,"",-IPMT($D$6/12,A43,$D$7*12,$D$5)-IF(A43>$D$13,0,C43))=IF(A43>$D$7*12,$D$12,$D$8)=$L$6/12*L42=K43+J43+L42=IF(A43$D$13,"",$D$6/12*G43)=IF($A44>$D$13,"",SUM(C$23:C44))=IF($A44>$D$13,"",B44-C44)=IF($A44>$D$13,"",SUM(E$23:E44))=IF(A44>$D$13,"",G43-E44)=IF(A44>12*$D$7,"",-IPMT($D$6/12,A44,$D$7*12,$D$5)-IF(A44>$D$13,0,C44))=IF(A44>$D$7*12,$D$12,$D$8)=$L$6/12*L43=K44+J44+L43=IF(A44$D$13,"",$D$6/12*G44)=IF($A45>$D$13,"",SUM(C$23:C45))=IF($A45>$D$13,"",B45-C45)=IF($A45>$D$13,"",SUM(E$23:E45))=IF(A45>$D$13,"",G44-E45)=IF(A45>12*$D$7,"",-IPMT($D$6/12,A45,$D$7*12,$D$5)-IF(A45>$D$13,0,C45))=IF(A45>$D$7*12,$D$12,$D$8)=$L$6/12*L44=K45+J45+L44=IF(A45$D$13,"",$D$6/12*G45)=IF($A46>$D$13,"",SUM(C$23:C46))=IF($A46>$D$13,"",B46-C46)=IF($A46>$D$13,"",SUM(E$23:E46))=IF(A46>$D$13,"",G45-E46)=IF(A46>12*$D$7,"",-IPMT($D$6/12,A46,$D$7*12,$D$5)-IF(A46>$D$13,0,C46))=IF(A46>$D$7*12,$D$12,$D$8)=$L$6/12*L45=K46+J46+L45=IF(A46$D$13,"",$D$6/12*G46)=IF($A47>$D$13,"",SUM(C$23:C47))=IF($A47>$D$13,"",B47-C47)=IF($A47>$D$13,"",SUM(E$23:E47))=IF(A47>$D$13,"",G46-E47)=IF(A47>12*$D$7,"",-IPMT($D$6/12,A47,$D$7*12,$D$5)-IF(A47>$D$13,0,C47))=IF(A47>$D$7*12,$D$12,$D$8)=$L$6/12*L46=K47+J47+L46=IF(A47$D$13,"",$D$6/12*G47)=IF($A48>$D$13,"",SUM(C$23:C48))=IF($A48>$D$13,"",B48-C48)=IF($A48>$D$13,"",SUM(E$23:E48))=IF(A48>$D$13,"",G47-E48)=IF(A48>12*$D$7,"",-IPMT($D$6/12,A48,$D$7*12,$D$5)-IF(A48>$D$13,0,C48))=IF(A48>$D$7*12,$D$12,$D$8)=$L$6/12*L47=K48+J48+L47=IF(A48$D$13,"",$D$6/12*G48)=IF($A49>$D$13,"",SUM(C$23:C49))=IF($A49>$D$13,"",B49-C49)=IF($A49>$D$13,"",SUM(E$23:E49))=IF(A49>$D$13,"",G48-E49)=IF(A49>12*$D$7,"",-IPMT($D$6/12,A49,$D$7*12,$D$5)-IF(A49>$D$13,0,C49))=IF(A49>$D$7*12,$D$12,$D$8)=$L$6/12*L48=K49+J49+L48=IF(A49$D$13,"",$D$6/12*G49)=IF($A50>$D$13,"",SUM(C$23:C50))=IF($A50>$D$13,"",B50-C50)=IF($A50>$D$13,"",SUM(E$23:E50))=IF(A50>$D$13,"",G49-E50)=IF(A50>12*$D$7,"",-IPMT($D$6/12,A50,$D$7*12,$D$5)-IF(A50>$D$13,0,C50))=IF(A50>$D$7*12,$D$12,$D$8)=$L$6/12*L49=K50+J50+L49=IF(A50$D$13,"",$D$6/12*G50)=IF($A51>$D$13,"",SUM(C$23:C51))=IF($A51>$D$13,"",B51-C51)=IF($A51>$D$13,"",SUM(E$23:E51))=IF(A51>$D$13,"",G50-E51)=IF(A51>12*$D$7,"",-IPMT($D$6/12,A51,$D$7*12,$D$5)-IF(A51>$D$13,0,C51))=IF(A51>$D$7*12,$D$12,$D$8)=$L$6/12*L50=K51+J51+L50=IF(A51$D$13,"",$D$6/12*G51)=IF($A52>$D$13,"",SUM(C$23:C52))=IF($A52>$D$13,"",B52-C52)=IF($A52>$D$13,"",SUM(E$23:E52))=IF(A52>$D$13,"",G51-E52)=IF(A52>12*$D$7,"",-IPMT($D$6/12,A52,$D$7*12,$D$5)-IF(A52>$D$13,0,C52))=IF(A52>$D$7*12,$D$12,$D$8)=$L$6/12*L51=K52+J52+L51=IF(A52$D$13,"",$D$6/12*G52)=IF($A53>$D$13,"",SUM(C$23:C53))=IF($A53>$D$13,"",B53-C53)=IF($A53>$D$13,"",SUM(E$23:E53))=IF(A53>$D$13,"",G52-E53)=IF(A53>12*$D$7,"",-IPMT($D$6/12,A53,$D$7*12,$D$5)-IF(A53>$D$13,0,C53))=IF(A53>$D$7*12,$D$12,$D$8)=$L$6/12*L52=K53+J53+L52=IF(A53$D$13,"",$D$6/12*G53)=IF($A54>$D$13,"",SUM(C$23:C54))=IF($A54>$D$13,"",B54-C54)=IF($A54>$D$13,"",SUM(E$23:E54))=IF(A54>$D$13,"",G53-E54)=IF(A54>12*$D$7,"",-IPMT($D$6/12,A54,$D$7*12,$D$5)-IF(A54>$D$13,0,C54))=IF(A54>$D$7*12,$D$12,$D$8)=$L$6/12*L53=K54+J54+L53=IF(A54$D$13,"",$D$6/12*G54)=IF($A55>$D$13,"",SUM(C$23:C55))=IF($A55>$D$13,"",B55-C55)=IF($A55>$D$13,"",SUM(E$23:E55))=IF(A55>$D$13,"",G54-E55)=IF(A55>12*$D$7,"",-IPMT($D$6/12,A55,$D$7*12,$D$5)-IF(A55>$D$13,0,C55))=IF(A55>$D$7*12,$D$12,$D$8)=$L$6/12*L54=K55+J55+L54=IF(A55$D$13,"",$D$6/12*G55)=IF($A56>$D$13,"",SUM(C$23:C56))=IF($A56>$D$13,"",B56-C56)=IF($A56>$D$13,"",SUM(E$23:E56))=IF(A56>$D$13,"",G55-E56)=IF(A56>12*$D$7,"",-IPMT($D$6/12,A56,$D$7*12,$D$5)-IF(A56>$D$13,0,C56))=IF(A56>$D$7*12,$D$12,$D$8)=$L$6/12*L55=K56+J56+L55=IF(A56$D$13,"",$D$6/12*G56)=IF($A57>$D$13,"",SUM(C$23:C57))=IF($A57>$D$13,"",B57-C57)=IF($A57>$D$13,"",SUM(E$23:E57))=IF(A57>$D$13,"",G56-E57)=IF(A57>12*$D$7,"",-IPMT($D$6/12,A57,$D$7*12,$D$5)-IF(A57>$D$13,0,C57))=IF(A57>$D$7*12,$D$12,$D$8)=$L$6/12*L56=K57+J57+L56=IF(A57$D$13,"",$D$6/12*G57)=IF($A58>$D$13,"",SUM(C$23:C58))=IF($A58>$D$13,"",B58-C58)=IF($A58>$D$13,"",SUM(E$23:E58))=IF(A58>$D$13,"",G57-E58)=IF(A58>12*$D$7,"",-IPMT($D$6/12,A58,$D$7*12,$D$5)-IF(A58>$D$13,0,C58))=IF(A58>$D$7*12,$D$12,$D$8)=$L$6/12*L57=K58+J58+L57=IF(A58$D$13,"",$D$6/12*G58)=IF($A59>$D$13,"",SUM(C$23:C59))=IF($A59>$D$13,"",B59-C59)=IF($A59>$D$13,"",SUM(E$23:E59))=IF(A59>$D$13,"",G58-E59)=IF(A59>12*$D$7,"",-IPMT($D$6/12,A59,$D$7*12,$D$5)-IF(A59>$D$13,0,C59))=IF(A59>$D$7*12,$D$12,$D$8)=$L$6/12*L58=K59+J59+L58=IF(A59$D$13,"",$D$6/12*G59)=IF($A60>$D$13,"",SUM(C$23:C60))=IF($A60>$D$13,"",B60-C60)=IF($A60>$D$13,"",SUM(E$23:E60))=IF(A60>$D$13,"",G59-E60)=IF(A60>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))=IF(A79>$D$13,"",G78-E79)=IF(A79>12*$D$7,"",-IPMT($D$6/12,A79,$D$7*12,$D$5)-IF(A79>$D$13,0,C79))=IF(A79>$D$7*12,$D$12,$D$8)=$L$6/12*L78=K79+J79+L78=IF(A79$D$13,"",$D$6/12*G79)=IF($A80>$D$13,"",SUM(C$23:C80))=IF($A80>$D$13,"",B80-C80)=IF($A80>$D$13,"",SUM(E$23:E80))=IF(A80>$D$13,"",G79-E80)=IF(A80>12*$D$7,"",-IPMT($D$6/12,A80,$D$7*12,$D$5)-IF(A80>$D$13,0,C80))=IF(A80>$D$7*12,$D$12,$D$8)=$L$6/12*L79=K80+J80+L79=IF(A80$D$13,"",$D$6/12*G80)=IF($A81>$D$13,"",SUM(C$23:C81))=IF($A81>$D$13,"",B81-C81)=IF($A81>$D$13,"",SUM(E$23:E81))=IF(A81>$D$13,"",G80-E81)=IF(A81>12*$D$7,"",-IPMT($D$6/12,A81,$D$7*12,$D$5)-IF(A81>$D$13,0,C81))=IF(A81>$D$7*12,$D$12,$D$8)=$L$6/12*L80=K81+J81+L80=IF(A81$D$13,"",$D$6/12*G81)=IF($A82>$D$13,"",SUM(C$23:C82))=IF($A82>$D$13,"",B82-C82)=IF($A82>$D$13,"",SUM(E$23:E82))=IF(A82>$D$13,"",G81-E82)=IF(A82>12*$D$7,"",-IPMT($D$6/12,A82,$D$7*12,$D$5)-IF(A82>$D$13,0,C82))=IF(A82>$D$7*12,$D$12,$D$8)=$L$6/12*L81=K82+J82+L81=IF(A82$D$13,"",$D$6/12*G82)=IF($A83>$D$13,"",SUM(C$23:C83))=IF($A83>$D$13,"",B83-C83)=IF($A83>$D$13,"",SUM(E$23:E83))=IF(A83>$D$13,"",G82-E83)=IF(A83>12*$D$7,"",-IPMT($D$6/12,A83,$D$7*12,$D$5)-IF(A83>$D$13,0,C83))=IF(A83>$D$7*12,$D$12,$D$8)=$L$6/12*L82=K83+J83+L82=IF(A83$D$13,"",$D$6/12*G83)=IF($A84>$D$13,"",SUM(C$23:C84))=IF($A84>$D$13,"",B84-C84)=IF($A84>$D$13,"",SUM(E$23:E84))=IF(A84>$D$13,"",G83-E84)=IF(A84>12*$D$7,"",-IPMT($D$6/12,A84,$D$7*12,$D$5)-IF(A84>$D$13,0,C84))=IF(A84>$D$7*12,$D$12,$D$8)=$L$6/12*L83=K84+J84+L83=IF(A84$D$13,"",$D$6/12*G84)=IF($A85>$D$13,"",SUM(C$23:C85))=IF($A85>$D$13,"",B85-C85)=IF($A85>$D$13,"",SUM(E$23:E85))=IF(A85>$D$13,"",G84-E85)=IF(A85>12*$D$7,"",-IPMT($D$6/12,A85,$D$7*12,$D$5)-IF(A85>$D$13,0,C85))=IF(A85>$D$7*12,$D$12,$D$8)=$L$6/12*L84=K85+J85+L84=IF(A85$D$13,"",$D$6/12*G85)=IF($A86>$D$13,"",SUM(C$23:C86))=IF($A86>$D$13,"",B86-C86)=IF($A86>$D$13,"",SUM(E$23:E86))=IF(A86>$D$13,"",G85-E86)=IF(A86>12*$D$7,"",-IPMT($D$6/12,A86,$D$7*12,$D$5)-IF(A86>$D$13,0,C86))=IF(A86>$D$7*12,$D$12,$D$8)=$L$6/12*L85=K86+J86+L85=IF(A86$D$13,"",$D$6/12*G86)=IF($A87>$D$13,"",SUM(C$23:C87))=IF($A87>$D$13,"",B87-C87)=IF($A87>$D$13,"",SUM(E$23:E87))=IF(A87>$D$13,"",G86-E87)=IF(A87>12*$D$7,"",-IPMT($D$6/12,A87,$D$7*12,$D$5)-IF(A87>$D$13,0,C87))=IF(A87>$D$7*12,$D$12,$D$8)=$L$6/12*L86=K87+J87+L86=IF(A87$D$13,"",$D$6/12*G87)=IF($A88>$D$13,"",SUM(C$23:C88))=IF($A88>$D$13,"",B88-C88)=IF($A88>$D$13,"",SUM(E$23:E88))=IF(A88>$D$13,"",G87-E88)=IF(A88>12*$D$7,"",-IPMT($D$6/12,A88,$D$7*12,$D$5)-IF(A88>$D$13,0,C88))=IF(A88>$D$7*12,$D$12,$D$8)=$L$6/12*L87=K88+J88+L87=IF(A88$D$13,"",$D$6/12*G88)=IF($A89>$D$13,"",SUM(C$23:C89))=IF($A89>$D$13,"",B89-C89)=IF($A89>$D$13,"",SUM(E$23:E89))=IF(A89>$D$13,"",G88-E89)=IF(A89>12*$D$7,"",-IPMT($D$6/12,A89,$D$7*12,$D$5)-IF(A89>$D$13,0,C89))=IF(A89>$D$7*12,$D$12,$D$8)=$L$6/12*L88=K89+J89+L88=IF(A89$D$13,"",$D$6/12*G89)=IF($A90>$D$13,"",SUM(C$23:C90))=IF($A90>$D$13,"",B90-C90)=IF($A90>$D$13,"",SUM(E$23:E90))=IF(A90>$D$13,"",G89-E90)=IF(A90>12*$D$7,"",-IPMT($D$6/12,A90,$D$7*12,$D$5)-IF(A90>$D$13,0,C90))=IF(A90>$D$7*12,$D$12,$D$8)=$L$6/12*L89=K90+J90+L89=IF(A90$D$13,"",$D$6/12*G90)=IF($A91>$D$13,"",SUM(C$23:C91))=IF($A91>$D$13,"",B91-C91)=IF($A91>$D$13,"",SUM(E$23:E91))=IF(A91>$D$13,"",G90-E91)=IF(A91>12*$D$7,"",-IPMT($D$6/12,A91,$D$7*12,$D$5)-IF(A91>$D$13,0,C91))=IF(A91>$D$7*12,$D$12,$D$8)=$L$6/12*L90=K91+J91+L90=IF(A91$D$13,"",$D$6/12*G91)=IF($A92>$D$13,"",SUM(C$23:C92))=IF($A92>$D$13,"",B92-C92)=IF($A92>$D$13,"",SUM(E$23:E92))=IF(A92>$D$13,"",G91-E92)=IF(A92>12*$D$7,"",-IPMT($D$6/12,A92,$D$7*12,$D$5)-IF(A92>$D$13,0,C92))=IF(A92>$D$7*12,$D$12,$D$8)=$L$6/12*L91=K92+J92+L91=IF(A92$D$13,"",$D$6/12*G92)=IF($A93>$D$13,"",SUM(C$23:C93))=IF($A93>$D$13,"",B93-C93)=IF($A93>$D$13,"",SUM(E$23:E93))=IF(A93>$D$13,"",G92-E93)=IF(A93>12*$D$7,"",-IPMT($D$6/12,A93,$D$7*12,$D$5)-IF(A93>$D$13,0,C93))=IF(A93>$D$7*12,$D$12,$D$8)=$L$6/12*L92=K93+J93+L92=IF(A93$D$13,"",$D$6/12*G93)=IF($A94>$D$13,"",SUM(C$23:C94))=IF($A94>$D$13,"",B94-C94)=IF($A94>$D$13,"",SUM(E$23:E94))=IF(A94>$D$13,"",G93-E94)=IF(A94>12*$D$7,"",-IPMT($D$6/12,A94,$D$7*12,$D$5)-IF(A94>$D$13,0,C94))=IF(A94>$D$7*12,$D$12,$D$8)=$L$6/12*L93=K94+J94+L93=IF(A94$D$13,"",$D$6/12*G94)=IF($A95>$D$13,"",SUM(C$23:C95))=IF($A95>$D$13,"",B95-C95)=IF($A95>$D$13,"",SUM(E$23:E95))=IF(A95>$D$13,"",G94-E95)=IF(A95>12*$D$7,"",-IPMT($D$6/12,A95,$D$7*12,$D$5)-IF(A95>$D$13,0,C95))=IF(A95>$D$7*12,$D$12,$D$8)=$L$6/12*L94=K95+J95+L94=IF(A95$D$13,"",$D$6/12*G95)=IF($A96>$D$13,"",SUM(C$23:C96))=IF($A96>$D$13,"",B96-C96)=IF($A96>$D$13,"",SUM(E$23:E96))=IF(A96>$D$13,"",G95-E96)=IF(A96>12*$D$7,"",-IPMT($D$6/12,A96,$D$7*12,$D$5)-IF(A96>$D$13,0,C96))=IF(A96>$D$7*12,$D$12,$D$8)=$L$6/12*L95=K96+J96+L95=IF(A96$D$13,"",$D$6/12*G96)=IF($A97>$D$13,"",SUM(C$23:C97))=IF($A97>$D$13,"",B97-C97)=IF($A97>$D$13,"",SUM(E$23:E97))=IF(A97>$D$13,"",G96-E97)=IF(A97>12*$D$7,"",-IPMT($D$6/12,A97,$D$7*12,$D$5)-IF(A97>$D$13,0,C97))=IF(A97>$D$7*12,$D$12,$D$8)=$L$6/12*L96=K97+J97+L96=IF(A97$D$13,"",$D$6/12*G97)=IF($A98>$D$13,"",SUM(C$23:C98))=IF($A98>$D$13,"",B98-C98)=IF($A98>$D$13,"",SUM(E$23:E98))=IF(A98>$D$13,"",G97-E98)=IF(A98>12*$D$7,"",-IPMT($D$6/12,A98,$D$7*12,$D$5)-IF(A98>$D$13,0,C98))=IF(A98>$D$7*12,$D$12,$D$8)=$L$6/12*L97=K98+J98+L97=IF(A98$D$13,"",$D$6/12*G98)=IF($A99>$D$13,"",SUM(C$23:C99))=IF($A99>$D$13,"",B99-C99)=IF($A99>$D$13,"",SUM(E$23:E99))=IF(A99>$D$13,"",G98-E99)=IF(A99>12*$D$7,"",-IPMT($D$6/12,A99,$D$7*12,$D$5)-IF(A99>$D$13,0,C99))=IF(A99>$D$7*12,$D$12,$D$8)=$L$6/12*L98=K99+J99+L98=IF(A99$D$13,"",$D$6/12*G99)=IF($A100>$D$13,"",SUM(C$23:C100))=IF($A100>$D$13,"",B100-C100)=IF($A100>$D$13,"",SUM(E$23:E100))=IF(A100>$D$13,"",G99-E100)=IF(A100>12*$D$7,"",-IPMT($D$6/12,A100,$D$7*12,$D$5)-IF(A100>$D$13,0,C100))=IF(A100>$D$7*12,$D$12,$D$8)=$L$6/12*L99=K100+J100+L99=IF(A100 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