Spreadsheet: 138363d1327622385-outstanding-balance-calculation-buy-a-car-pmts
Sheet: Sheet1

Month | Bal | Pmt | Int | New Prin |  | Pmt = | -279.9025157656469 | <<Used Payment [NAME] for this
1 | 40000 | -279.9025157656469 | 106.3333333333333 | 39826.43081756769
2 | 39826.43081756769 | -279.9025157656469 | 105.8719285900341 | 39652.40023039209 |  | I'm assuming the monthly payment is in G1 and you have done equal payments throughout.
3 | 39652.40023039209 | -279.9025157656469 | 105.4092972791256 | 39477.90701190557
4 | 39477.90701190557 | -279.9025157656469 | 104.9454361399823 | 39302.94993227991 |  | Look at the formulas in Month 1 and Month 2
5 | 39302.94993227991 | -279.9025157656469 | 104.4803419033108 | 39127.52775841758 |  | Then simply copy them down for 180 months.
6 | 39127.52775841758 | -279.9025157656469 | 104.0140112911267 | 38951.63925394306
7 | 38951.63925394306 | -279.9025157656469 | 103.5464410167319 | 38775.28317919415 |  | Each month you pay 3.19% / 12 interest on Balance of money borrowed.
8 | 38775.28317919415 | -279.9025157656469 | 103.0776277846911 | 38598.4582912132
9 | 38598.4582912132 | -279.9025157656469 | 102.6075682908084 | 38421.16334373836
10 | 38421.16334373836 | -279.9025157656469 | 102.1362592221045 | 38243.39708719482
11 | 38243.39708719482 | -279.9025157656469 | 101.6636972567929 | 38065.15826868597
12 | 38065.15826868597 | -279.9025157656469 | 101.1898790642569 | 37886.44563198458
13 | 37886.44563198458 | -279.9025157656469 | 100.7148013050257 | 37707.25791752397
14 | 37707.25791752397 | -279.9025157656469 | 100.2384606307512 | 37527.59386238908
15 | 37527.59386238908 | -279.9025157656469 | 99.76085368418428 | 37347.45220030762
16 | 37347.45220030762 | -279.9025157656469 | 99.28197709915109 | 37166.83166164112
17 | 37166.83166164112 | -279.9025157656469 | 98.80182750052931 | 36985.73097337601
18 | 36985.73097337601 | -279.9025157656469 | 98.32040150422456 | 36804.14885911459
19 | 36804.14885911459 | -279.9025157656469 | 97.83769571714627 | 36622.0840390661
20 | 36622.0840390661 | -279.9025157656469 | 97.35370673718404 | 36439.53523003764
21 | 36439.53523003764 | -279.9025157656469 | 96.8684311531834 | 36256.50114542518
22 | 36256.50114542518 | -279.9025157656469 | 96.38186554492194 | 36072.98049520446
23 | 36072.98049520446 | -279.9025157656469 | 95.89400648308516 | 35888.9719859219
24 | 35888.9719859219 | -279.9025157656469 | 95.40485052924237 | 35704.4743206855
25 | 35704.4743206855 | -279.9025157656469 | 94.91439423582227 | 35519.48619915568
26 | 35519.48619915568 | -279.9025157656469 | 94.42263414608884 | 35334.00631753612
27 | 35334.00631753612 | -279.9025157656469 | 93.92956679411685 | 35148.0333685646
28 | 35148.0333685646 | -279.9025157656469 | 93.43518870476754 | 34961.56604150372
29 | 34961.56604150372 | -279.9025157656469 | 92.93949639366406 | 34774.60302213174
30 | 34774.60302213174 | -279.9025157656469 | 92.44248636716686 | 34587.14299273326
31 | 34587.14299273326 | -279.9025157656469 | 91.94415512234924 | 34399.18463208997
32 | 34399.18463208997 | -279.9025157656469 | 91.44449914697249 | 34210.7266154713
33 | 34210.7266154713 | -279.9025157656469 | 90.94351491946121 | 34021.76761462512
34 | 34021.76761462512 | -279.9025157656469 | 90.44119890887843 | 33832.30629776835
35 | 33832.30629776835 | -279.9025157656469 | 89.93754757490086 | 33642.34132957761
36 | 33642.34132957761 | -279.9025157656469 | 89.43255736779382 | 33451.87137117976
37 | 33451.87137117976 | -279.9025157656469 | 88.9262247283862 | 33260.8950801425
38 | 33260.8950801425 | -279.9025157656469 | 88.41854608804549 | 33069.41111046491
39 | 33069.41111046491 | -279.9025157656469 | 87.90951786865253 | 32877.41811256792
40 | 32877.41811256792 | -279.9025157656469 | 87.39913648257637 | 32684.91473328485
41 | 32684.91473328485 | -279.9025157656469 | 86.88739833264889 | 32491.89961585185
42 | 32491.89961585185 | -279.9025157656469 | 86.3742998121395 | 32298.37139989834
43 | 32298.37139989834 | -279.9025157656469 | 85.85983730472975 | 32104.32872143742
44 | 32104.32872143742 | -279.9025157656469 | 85.34400718448781 | 31909.77021285626
45 | 31909.77021285626 | -279.9025157656469 | 84.82680581584289 | 31714.69450290646
46 | 31714.69450290646 | -279.9025157656469 | 84.30822955355966 | 31519.10021669437
47 | 31519.10021669437 | -279.9025157656469 | 83.78827474271253 | 31322.98597567144
48 | 31322.98597567144 | -279.9025157656469 | 83.2669377186599 | 31126.35039762445
49 | 31126.35039762445 | -279.9025157656469 | 82.74421480701834 | 30929.19209666583
50 | 30929.19209666583 | -279.9025157656469 | 82.22010232363665 | 30731.50968322382
51 | 30731.50968322382 | -279.9025157656469 | 81.69459657456997 | 30533.30176403274
52 | 30533.30176403274 | -279.9025157656469 | 81.16769385605369 | 30334.56694212314
53 | 30334.56694212314 | -279.9025157656469 | 80.63939045447735 | 30135.30381681197
54 | 30135.30381681197 | -279.9025157656469 | 80.1096826463585 | 29935.51098369269
55 | 29935.51098369269 | -279.9025157656469 | 79.57856669831638 | 29735.18703462536
56 | 29735.18703462536 | -279.9025157656469 | 79.04603886704574 | 29534.33055772676
57 | 29534.33055772676 | -279.9025157656469 | 78.51209539929029 | 29332.9401373604
58 | 29332.9401373604 | -279.9025157656469 | 77.9767325318164 | 29131.01435412657
59 | 29131.01435412657 | -279.9025157656469 | 77.43994649138646 | 28928.55178485231
60 | 28928.55178485231 | -279.9025157656469 | 76.9017334947324 | 28725.5510025814
61 | 28725.5510025814 | -279.9025157656469 | 76.36208974852887 | 28522.01057656428
62 | 28522.01057656428 | -279.9025157656469 | 75.8210114493667 | 28317.929072248
63 | 28317.929072248 | -279.9025157656469 | 75.27849478372592 | 28113.30505126607
64 | 28113.30505126607 | -279.9025157656469 | 74.73453592794898 | 27908.13707142838
65 | 27908.13707142838 | -279.9025157656469 | 74.18913104821377 | 27702.42368671094
66 | 27702.42368671094 | -279.9025157656469 | 73.64227630050658 | 27496.1634472458
67 | 27496.1634472458 | -279.9025157656469 | 73.09396783059509 | 27289.35489931075
68 | 27289.35489931075 | -279.9025157656469 | 72.54420177400108 | 27081.99658531911
69 | 27081.99658531911 | -279.9025157656469 | 71.9929742559733 | 26874.08704380943
70 | 26874.08704380943 | -279.9025157656469 | 71.44028139146006 | 26665.62480943524
71 | 26665.62480943524 | -279.9025157656469 | 70.88611928508202 | 26456.60841295468
72 | 26456.60841295468 | -279.9025157656469 | 70.33048403110452 | 26247.03638122014
73 | 26247.03638122014 | -279.9025157656469 | 69.77337171341019 | 26036.9072371679
74 | 26036.9072371679 | -279.9025157656469 | 69.21477840547134 | 25826.21949980772
75 | 25826.21949980772 | -279.9025157656469 | 68.6547001703222 | 25614.9716842124
76 | 25614.9716842124 | -279.9025157656469 | 68.09313306053129 | 25403.16230150728
77 | 25403.16230150728 | -279.9025157656469 | 67.53007311817352 | 25190.78985885981
78 | 25190.78985885981 | -279.9025157656469 | 66.96551637480233 | 24977.85285946897
79 | 24977.85285946897 | -279.9025157656469 | 66.39945885142167 | 24764.34980255474
80 | 24764.34980255474 | -279.9025157656469 | 65.83189655845801 | 24550.27918334755
81 | 24550.27918334755 | -279.9025157656469 | 65.26282549573224 | 24335.63949307764
82 | 24335.63949307764 | -279.9025157656469 | 64.69224165243138 | 24120.42921896442
83 | 24120.42921896442 | -279.9025157656469 | 64.12014100708042 | 23904.64684420585
84 | 23904.64684420585 | -279.9025157656469 | 63.54651952751389 | 23688.29084796772
85 | 23688.29084796772 | -279.9025157656469 | 62.97137317084752 | 23471.35970537292
86 | 23471.35970537292 | -279.9025157656469 | 62.39469788344968 | 23253.85188749072
87 | 23253.85188749072 | -279.9025157656469 | 61.81648960091284 | 23035.76586132599
88 | 23035.76586132599 | -279.9025157656469 | 61.23674424802491 | 22817.10008980837
89 | 22817.10008980837 | -279.9025157656469 | 60.65545773874057 | 22597.85303178146
90 | 22597.85303178146 | -279.9025157656469 | 60.07262597615237 | 22378.02314199197
91 | 22378.02314199197 | -279.9025157656469 | 59.48824485246197 | 22157.60887107878
92 | 22157.60887107878 | -279.9025157656469 | 58.90231024895109 | 21936.60866556209
93 | 21936.60866556209 | -279.9025157656469 | 58.31481803595253 | 21715.02096783239
94 | 21715.02096783239 | -279.9025157656469 | 57.72576407282111 | 21492.84421613957
95 | 21492.84421613957 | -279.9025157656469 | 57.13514420790434 | 21270.07684458182
96 | 21270.07684458182 | -279.9025157656469 | 56.54295427851334 | 21046.71728309469
97 | 21046.71728309469 | -279.9025157656469 | 55.94919011089337 | 20822.76395743993
98 | 20822.76395743993 | -279.9025157656469 | 55.35384752019448 | 20598.21528919448
99 | 20598.21528919448 | -279.9025157656469 | 54.75692231044199 | 20373.06969573928
100 | 20373.06969573928 | -279.9025157656469 | 54.15841027450691 | 20147.32559024814
101 | 20147.32559024814 | -279.9025157656469 | 53.55830719407629 | 19920.98138167656
102 | 19920.98138167656 | -279.9025157656469 | 52.95660883962353 | 19694.03547475054
103 | 19694.03547475054 | -279.9025157656469 | 52.35331097037852 | 19466.48626995527
104 | 19466.48626995527 | -279.9025157656469 | 51.74840933429777 | 19238.33216352392
105 | 19238.33216352392 | -279.9025157656469 | 51.14189966803443 | 19009.57154742631
106 | 19009.57154742631 | -279.9025157656469 | 50.53377769690827 | 18780.20280935757
107 | 18780.20280935757 | -279.9025157656469 | 49.92403913487554 | 18550.2243327268
108 | 18550.2243327268 | -279.9025157656469 | 49.31267968449874 | 18319.63449664565
109 | 18319.63449664565 | -279.9025157656469 | 48.69969503691635 | 18088.43167591692
110 | 18088.43167591692 | -279.9025157656469 | 48.08508087181249 | 17856.61424102309
111 | 17856.61424102309 | -279.9025157656469 | 47.46883285738638 | 17624.18055811483
112 | 17624.18055811483 | -279.9025157656469 | 46.85094665032192 | 17391.1289889995
113 | 17391.1289889995 | -279.9025157656469 | 46.231417895757 | 17157.45789112961
114 | 17157.45789112961 | -279.9025157656469 | 45.61024222725288 | 16923.16561759122
115 | 16923.16561759122 | -279.9025157656469 | 44.98741526676332 | 16688.25051709233
116 | 16688.25051709233 | -279.9025157656469 | 44.36293262460378 | 16452.71093395129
117 | 16452.71093395129 | -279.9025157656469 | 43.73678989942051 | 16216.54520808506
118 | 16216.54520808506 | -279.9025157656469 | 43.10898267815946 | 15979.75167499757
119 | 15979.75167499757 | -279.9025157656469 | 42.47950653603522 | 15742.32866576796
120 | 15742.32866576796 | -279.9025157656469 | 41.84835703649983 | 15504.27450703882
121 | 15504.27450703882 | -279.9025157656469 | 41.21552973121152 | 15265.58752100438
122 | 15265.58752100438 | -279.9025157656469 | 40.58102016000331 | 15026.26602539874
123 | 15026.26602539874 | -279.9025157656469 | 39.94482385085164 | 14786.30833348394
124 | 14786.30833348394 | -279.9025157656469 | 39.30693631984482 | 14545.71275403814
125 | 14545.71275403814 | -279.9025157656469 | 38.66735307115139 | 14304.47759134364
126 | 14304.47759134364 | -279.9025157656469 | 38.02606959698852 | 14062.60114517499
127 | 14062.60114517499 | -279.9025157656469 | 37.38308137759017 | 13820.08171078693
128 | 13820.08171078693 | -279.9025157656469 | 36.73838388117525 | 13576.91757890246
129 | 13576.91757890246 | -279.9025157656469 | 36.0919725639157 | 13333.10703570072
130 | 13333.10703570072 | -279.9025157656469 | 35.44384286990442 | 13088.64836280498
131 | 13088.64836280498 | -279.9025157656469 | 34.79399023112324 | 12843.53983727046
132 | 12843.53983727046 | -279.9025157656469 | 34.14241006741063 | 12597.77973157222
133 | 12597.77973157222 | -279.9025157656469 | 33.48909778642949 | 12351.366313593
134 | 12351.366313593 | -279.9025157656469 | 32.83404878363474 | 12104.29784661099
135 | 12104.29784661099 | -279.9025157656469 | 32.17725844224088 | 11856.57258928759
136 | 11856.57258928759 | -279.9025157656469 | 31.5187221331895 | 11608.18879565513
137 | 11608.18879565513 | -279.9025157656469 | 30.85843521511654 | 11359.1447151046
138 | 11359.1447151046 | -279.9025157656469 | 30.19639303431972 | 11109.43859237327
139 | 11109.43859237327 | -279.9025157656469 | 29.53259092472561 | 10859.06866753235
140 | 10859.06866753235 | -279.9025157656469 | 28.86702420785683 | 10608.03317597456
141 | 10608.03317597456 | -279.9025157656469 | 28.19968819279903 | 10356.33034840171
142 | 10356.33034840171 | -279.9025157656469 | 27.53057817616788 | 10103.95841081223
143 | 10103.95841081223 | -279.9025157656469 | 26.85968944207584 | 9850.915584488659
144 | 9850.915584488659 | -279.9025157656469 | 26.18701726209902 | 9597.20008598511
145 | 9597.20008598511 | -279.9025157656469 | 25.51255689524375 | 9342.810127114708
146 | 9342.810127114708 | -279.9025157656469 | 24.83630358791326 | 9087.743914936975
147 | 9087.743914936975 | -279.9025157656469 | 24.15825257387412 | 8831.999651745202
148 | 8831.999651745202 | -279.9025157656469 | 23.47839907422266 | 8575.575535053778
149 | 8575.575535053778 | -279.9025157656469 | 22.79673829735129 | 8318.469757585483
150 | 8318.469757585483 | -279.9025157656469 | 22.11326543891474 | 8060.68050725875
151 | 8060.68050725875 | -279.9025157656469 | 21.42797568179617 | 7802.205967174899
152 | 7802.205967174899 | -279.9025157656469 | 20.74086419607327 | 7543.044315605325
153 | 7543.044315605325 | -279.9025157656469 | 20.05192613898415 | 7283.193725978663
154 | 7283.193725978663 | -279.9025157656469 | 19.36115665489327 | 7022.652366867909
155 | 7022.652366867909 | -279.9025157656469 | 18.66855087525719 | 6761.418401977519
156 | 6761.418401977519 | -279.9025157656469 | 17.97410391859024 | 6499.489990130463
157 | 6499.489990130463 | -279.9025157656469 | 17.27781089043014 | 6236.865285255246
158 | 6236.865285255246 | -279.9025157656469 | 16.57966688330353 | 5973.542436372903
159 | 5973.542436372903 | -279.9025157656469 | 15.8796669766913 | 5709.519587583947
160 | 5709.519587583947 | -279.9025157656469 | 15.17780623699399 | 5444.794878055294
161 | 5444.794878055294 | -279.9025157656469 | 14.47407971749699 | 5179.366442007145
162 | 5179.366442007145 | -279.9025157656469 | 13.76848245833566 | 4913.232408699833
163 | 4913.232408699833 | -279.9025157656469 | 13.06100948646039 | 4646.390902420647
164 | 4646.390902420647 | -279.9025157656469 | 12.35165581560155 | 4378.840042470601
165 | 4378.840042470601 | -279.9025157656469 | 11.64041644623435 | 4110.577943151189
166 | 4110.577943151189 | -279.9025157656469 | 10.92728636554358 | 3841.602713751086
167 | 3841.602713751086 | -279.9025157656469 | 10.2122605473883 | 3571.912458532827
168 | 3571.912458532827 | -279.9025157656469 | 9.495333952266432 | 3301.505276719447
169 | 3301.505276719447 | -279.9025157656469 | 8.776501527279196 | 3030.379262481079
170 | 3030.379262481079 | -279.9025157656469 | 8.055758206095534 | 2758.532504921528
171 | 2758.532504921528 | -279.9025157656469 | 7.333098908916393 | 2485.963088064797
172 | 2485.963088064797 | -279.9025157656469 | 6.608518542438918 | 2212.669090841589
173 | 2212.669090841589 | -279.9025157656469 | 5.882011999820556 | 1938.648587075763
174 | 1938.648587075763 | -279.9025157656469 | 5.153574160643069 | 1663.899645470759
175 | 1663.899645470759 | -279.9025157656469 | 4.423199890876433 | 1388.420329595988
176 | 1388.420329595988 | -279.9025157656469 | 3.690884042842669 | 1112.208697873184
177 | 1112.208697873184 | -279.9025157656469 | 2.956621455179548 | 835.2628035627166
178 | 835.2628035627166 | -279.9025157656469 | 2.220406952804221 | 557.5806947498739
179 | 557.5806947498739 | -279.9025157656469 | 1.482235346876748 | 279.1604143311038
180 | 279.1604143311038 | -279.9025157656469 | 0.7421014347635175 | 2.203730531391557e-10