Spreadsheet: 35786d1233439715-advanced-subtraction-problem-670447
Sheet: Sheet1

 | 2009 | 32 | 30 | 31 | 30 | 31 | 30 | 31 | 31 | 30 | 31 | 30 | 31 | Days in Billing Cycle
 |  | Jan | Feb | March | April | May | June | July | Aug | Sept | Oct | Nov | Dec
 | Extra Payments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | School Loan | 21785.57
 | School Loan | 21785.57 | 21659.57 | 21533.57 | 21407.57 | 21281.57 | 21155.57 | 21029.57 | 20903.57 | 20777.57 | 20651.57 | 20525.57 | 20399.57 |  |  |  |  |  | Car Loan | 14188.43
 | Car Loan | 14188.43 | 13940.64361041667 | 13691.25693373394 | 13440.25963476431 | 13187.64131157216 | 12933.39149504273 | 12677.49964844821 | 12419.95516701111 | 12160.74737746472 | 11899.86553761085 | 11637.29883587459 | 11373.03639085628 |  |  |  |  |  | CC Total | 15654.01
 | CC Total | 15654.01 | 15497.4699 | 15342.495201 | 15189.07024899 | 15037.1795465001 | 14886.8077510351 | 14737.93967352475 | 14590.5602767895 | 14444.65467402161 | 14300.20812728139 | 14157.20604600857 | 14015.63398554849 |  |  |  |  |  | 0.2099 | 1794.79
 | 0.2099 | 1794.79 | 1827.818069786301 | 1859.351687280669 | 1892.498579044961 | 1925.148068229197 | 1959.467920188541 | 1993.272768115739 | 2028.807087498896 | 2064.97488157464 | 2100.599941380874 | 2138.047595513946 | 2174.933309785046 |  |  | Credit Card |  |  | 0.0799 | 9083.5
 | 0.0799 | 9083.5 | 9147.129295342465 | 9207.199621153248 | 9269.679930034437 | 9330.555060972225 | 9393.872463247628 | 9455.563181862435 | 9519.728892671079 | 9584.330033751236 | 9647.27151071261 | 9712.738159493114 | 9776.522908447374 |  |  | Interest: | Balance * (APR /365) * Days in Cycle |  | 0.0199 | 4775.72
 | 0.0199 | 4775.72 | 4522.522534871233 | 4275.943892566082 | 4026.891739910599 | 3781.476417298676 | 3533.467367598928 | 3289.103723546572 | 3042.024296619524 | 2795.349758695729 | 2552.336675187904 | 2306.420291001514 | 2064.177767316069 |  |  | Monthly Min: | 1% + Interest
 | Total Debt | 51628.01 | 51097.68351041667 | 50567.32213473394 | 50036.8998837543 | 49506.39085807226 | 48975.76924607782 | 48445.00932197296 | 47914.08544380061 | 47382.97205148633 | 46851.64366489224 | 46320.07488188316 | 45788.24037640476
 | Total Interest | 321.4361328832192 | 189.0343788232972 | 191.2768326000228 | 186.912747255155 | 189.1986508610201 | 184.8031172583292 | 187.1345846096434 | 186.1225833864576 | 181.6768169300128 | 184.0813997935414 | 179.6004371487701 | 182.0561597777894 | 2363.333841327258 |  | Interest Rates
 | School | 124.8131614583333 |  |  |  |  |  |  |  |  |  |  |  | 124.8131614583333 |  | Car | 0.0775
 | Car | 91.63361041666667 | 90.03332331727431 | 88.42270103036503 | 86.80167680785281 | 85.1701834705702 | 83.5281534054843 | 81.87551856289473 | 80.21221045361341 | 78.53816014612633 | 76.85329826373673 | 75.15755498169004 | 73.45086002428012 | 991.6772508805548 |  | School | 0.06875
 | CC Total Int. | 104.9893610082192 | 99.00105550602288 | 102.8541315696578 | 100.1110704473022 | 104.0284673904499 | 101.2749638528448 | 105.2590660467486 | 105.9103729328442 | 103.1386567838865 | 107.2281015298046 | 104.44288216708 | 108.6052997535093 | 1246.84342898837 |  | Visa | Variable (20.99%, 7.99%, 1.99%)
 | CC 20.99% | 33.02806978630137 | 31.53361749436805 | 33.14689176429201 | 32.64948918423594 | 34.31985195934401 | 33.80484792719793 | 35.53431938315699 | 36.16779407574402 | 35.62505980623427 | 37.44765413307181 | 36.8857142710995 | 38.77280425600086 | 418.9161140410468
 | CC 07.99% | 63.62929534246575 | 60.07032581078325 | 62.48030888119035 | 60.8751309377878 | 63.31740227540302 | 61.69071861480702 | 64.16571080864402 | 64.60114108015615 | 62.94147696137455 | 65.46664878050429 | 63.78474895426026 | 66.34375230666657 | 759.3666607540431
 | CC 01.99% | 8.331995879452055 | 7.397112200871579 | 7.226930924175386 | 6.586450325278433 | 6.391213155702886 | 5.779397310839891 | 5.559035854947618 | 5.141437776944066 | 4.572120016277673 | 4.313798616228542 | 3.772418941720285 | 3.488743190841871 | 68.56065419328029
 | CC Monthly Min | 261.5294610082192 | 253.9757545060229 | 256.2790835796577 | 252.0017729372022 | 254.4002628554509 | 250.1430413631958 | 252.6384627819961 | 251.8159757007392 | 247.5852035241026 | 250.2301828026185 | 246.0149426271658 | 248.7616396089942
 | 2010 | 32 | 30 | 31 | 30 | 31 | 30 | 31 | 31 | 30 | 31 | 30 | 31 | Days in Billing Cycle
 |  | Jan | Feb | March | April | May | June | July | Aug | Sept | Oct | Nov | Dec
 | Extra Payments
 | School Loan | 20273.57 | 20147.57 | 20021.57 | 19895.57 | 19769.57 | 19643.57 | 19517.57 | 19391.57 | 19265.57 | 19139.57 | 19013.57 | 18887.57
 | Car Loan | 11107.06725088056 | 10839.38039354249 | 10569.96472525079 | 10298.80908076803 | 10025.90222274799 | 9751.232841269906 | 9474.789553369774 | 9196.56090256862 | 8916.53535839771 | 8634.701315920696 | 8351.047095252685 | 8065.560941076192
 | CC Total | 13875.477645693 | 13736.72286923607 | 13599.35564054371 | 13463.36208413828 | 13328.72846329689 | 13195.44117866393 | 13063.48676687729 | 12932.85189920851 | 12674.52747095203 | 12676.77810550691 | 12550.01032445184 | 12424.51022120732
 | 0.2099 | 2213.706114041046 | 2254.443158498008 | 2293.336935399548 | 2334.220535687085 | 2374.490636271254 | 2416.820973589482 | 2458.516101454395 | 2502.344371099747 | 2546.953972711553 | 2590.894162207894 | 2637.082351862882 | 2682.577441094883
 | 0.0799 | 9842.86666075404 | 9911.815267543672 | 9976.907380410254 | 10044.61094723365 | 10110.57514570082 | 10179.18578564161 | 10246.03375366403 | 10315.56361942965 | 10256.56940750488 | 10085.88394329901 | 9912.927972588957 | 9741.932780112436
 | 0.0199 | 1818.904870897916 | 1570.464443194392 | 1329.111324733911 | 1084.530601217543 | 843.6626813248165 | 599.4344194328345 | 358.936911758864 | 114.9439086791212 | -128.9959092644002 | 0 | 0 | 0
 | Total Debt | 45256.11489657356 | 44723.67326277857 | 44190.8903657945 | 43657.74116490631 | 43124.20068604489 | 42590.24401993383 | 42055.84632024706 | 41520.98280177714 | 40856.63282934974 | 40451.0494214276 | 39914.62741970453 | 39377.64116228351
 | Total Interest | 300.7428214539542 | 176.5588989355588 | 179.0979028370195 | 174.5213171105561 | 177.1175012825965 | 172.5002527773402 | 175.1561371601288 | 174.2000257319339 | 168.8823028269683 | 170.3970537517902 | 164.528355193305 | 166.0217425970188 | 2199.72431165817
 | School | 116.1506614583333 |  |  |  |  |  |  |  |  |  |  |  | 116.1506614583333
 | Car | 71.73314266193692 | 70.00433170829527 | 68.26435551724467 | 66.51314197996021 | 64.75061852191412 | 62.97671209986814 | 61.19134919884646 | 59.394455829089 | 57.58595752298521 | 55.76577933198783 | 53.93384582350692 | 52.09008107778374 | 744.2037712734184
 | CC Total Int. | 112.8590173336839 | 106.5545672272635 | 110.8335473197749 | 108.0081751305959 | 112.3668827606824 | 109.5235406774721 | 113.9647879612824 | 114.8055699028449 | 111.2963453039831 | 114.6312744198024 | 110.5945093697981 | 113.931661519235 | 1339.369878926419
 | CC 20.99% | 40.73704445696137 | 38.8937769015396 | 40.88360028753785 | 40.2701005841687 | 42.33033731822855 | 41.69512786491224 | 43.82826964535233 | 44.60960161180532 | 43.9401894963415 | 46.1881896549878 | 45.49508923200155 | 47.82263877112409 | 516.6939658249609
 | CC 07.99% | 68.94860678963268 | 65.09211286658132 | 67.70356682339221 | 65.96419846717548 | 68.61063994078458 | 66.847968022419 | 69.52986576561761 | 70.00169733963092 | 67.3561558076416 | 68.4430847648146 | 65.09942013779651 | 66.10902274811095 | 809.7063394735974
 | CC 01.99% | 3.173366087089844 | 2.568677459142609 | 2.246380208844793 | 1.773876079251708 | 1.425905501669259 | 0.980444790140828 | 0.6066525503124471 | 0.1942709514086297 | 0 | 0 | 0 | 0 | 12.96957362786012
 | CC Monthly Min | 251.6137937906139 | 243.9217959196243 | 246.827103725212 | 242.6417959719786 | 245.6541673936513 | 241.4779524641114 | 244.5996556300553 | 244.13408889493 | 238.0416200135034 | 241.3990554748715 | 236.0946126143165 | 238.1767637313083
 | 2011 | 32 | 30 | 31 | 30 | 31 | 30 | 31 | 31 | 30 | 31 | 30 | 31 | Days in Billing Cycle
 |  | Jan | Feb | March | April | May | June | July | Aug | Sept | Oct | Nov | Dec
 | Extra Payments
 | School Loan | -126 | -252 | -378 | -504 | -630 | -756 | -882 | -1008 | -1134 | -1260 | -1386 | -1512
 | Car Loan | 18548.15 | 18328.52013541667 | 18107.47182795791 | 17884.9959168468 | 17661.08318214311 | 17435.72434436112 | 17208.91006408512 | 16980.63094158233 | 16750.87751641339 | 16519.64026704023 | 16286.90961043153 | 16052.67590166557
 | CC Total | 25076.88376545311 | 24826.11492779858 | 24577.85377852059 | 24332.07524073539 | 24088.75448832803 | 23847.86694344475 | 23609.38827401031 | 23373.2943912702 | 23139.5614473575 | 22908.16583288393 | 22679.08417455509 | 22452.29333280953
 | 0.2099 | 12538.44188272655 | 12769.17669488518 | 12989.47123090625 | 13221.03613598128 | 13449.12617583956 | 13688.8854062877 | 13925.04680739289 | 14173.29033361487 | 14425.95932778419 | 14674.83676857064 | 14936.4468928704 | 15194.13129310165
 | 0.0799 | 2730.400079866008 | 2749.526345411765 | 2767.582823904784 | 2786.363716771989 | 2804.662110824324 | 2823.694624748436 | 2842.238175475894 | 2861.525681604212 | 2880.944073277542 | 2899.863588191641 | 2919.542141949427 | 2938.715135139161
 | 0.0199 | 9808.041802860547 | 9307.411887501636 | 8820.799723709557 | 8324.67538798212 | 7834.966201664146 | 7335.286912408616 | 6842.103291141522 | 6338.478376051115 | 5832.658046295771 | 5333.465476121639 | 4823.095139735254 | 4319.446904568724
 | Total Debt | 43499.03376545311 | 42902.63506321525 | 42307.32560647849 | 41713.07115758219 | 41119.83767047114 | 40527.59128780587 | 39936.29833809542 | 39345.92533285254 | 38756.43896377088 | 38167.80609992416 | 37579.99378498662 | 36992.9692344751
 | Total Interest | 386.0410121486138 | 371.946062937075 | 382.1982466929224 | 375.5116751154854 | 386.0950727541111 | 379.3083874106388 | 390.2360016839731 | 392.4668574139293 | 385.5196977072251 | 396.9923087152018 | 389.9324183493237 | 401.7838420696844 | 4638.031582998185
 | School | -0.7218750000000002 |  |  |  |  |  |  |  |  |  |  |  | -0.7218750000000002
 | Car | 119.7901354166667 | 118.3716925412327 | 116.9440888888948 | 115.5072652963023 | 114.0611622180076 | 112.6057197239989 | 111.1408774972164 | 109.6665748310526 | 108.1827506268365 | 106.6893433913015 | 105.186291234037 | 103.6735318649235 | 1341.81943353047
 | CC Total Int. | 266.9727517319472 | 253.5743703958423 | 265.2541578040276 | 260.0044098191832 | 272.0339105361036 | 266.7026676866399 | 279.0951241867568 | 282.8002825828768 | 277.3369470803886 | 290.3029653239003 | 284.7461271152867 | 298.1103102047609 | 3296.934024467714
 | CC 20.99% | 230.7348121586239 | 220.2945360210739 | 231.5649050750243 | 228.0900398582852 | 239.7592304481382 | 236.161401105188 | 248.2435262219857 | 252.6689941693113 | 248.8774407864576 | 261.6101242997597 | 257.6844002312463 | 270.8676518111866 | 2926.557062186281
 | CC 07.99% | 19.12626554575728 | 18.05647849301918 | 18.78089286720482 | 18.2983940523355 | 19.0325139241117 | 18.54355072745754 | 19.28750612831847 | 19.41839167333006 | 18.91951491409936 | 19.67855375778596 | 19.17299318973363 | 19.94220141979777 | 228.2572566929512
 | CC 01.99% | 17.11167402756602 | 15.22335588174925 | 14.90835986179843 | 13.61597590856254 | 13.24216616385373 | 11.99771585399437 | 11.56409183645262 | 10.71289674023543 | 9.539991379831715 | 9.014287266354629 | 7.888733694306703 | 7.300456973776564 | 142.119705588482
 | CC Monthly Min | 517.7415893864783 | 501.8355196738281 | 511.0326955892335 | 503.325162226537 | 512.9214554193838 | 505.1813371210874 | 515.1890069268599 | 516.5332264955788 | 508.7325615539636 | 519.3846236527396 | 511.5369688608375 | 522.6332435328562
 | 2012 | 32 | 30 | 31 | 30 | 31 | 30 | 31 | 31 | 30 | 31 | 30 | 31 | Days in Billing Cycle
 |  | Jan | Feb | March | April | May | June | July | Aug | Sept | Oct | Nov | Dec
 | Extra Payments
 | School Loan | -126 | -252 | -378 | -504 | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A
 | Car Loan | -1851.42 | -2202.7970875 | -2556.443485356771 | -2912.373849533034 | -3270.602930644601 | -3631.145574571681 | -3994.016723074124 | -4359.231414410644 | -4726.804783962046 | -5096.752064858468 | -5469.088588610679 | -5843.829785745456
 | CC Total | 41166.75946751231 | 40755.09187283719 | 40347.54095410882 | 39944.06554456773 | 38800.83356378216 | 39156.61655348423 | 38765.05038794939 | 38377.39988406989 | 37993.62588522919 | 37613.6896263769 | 37237.55273011314 | 36865.177202812
 | 0.2099 | 22750.40364301429 | 23169.06093394415 | 23568.77484271414 | 23988.93829757457 | 24402.7967755467 | 24837.82844222836 | 25266.33201949058 | 25716.75803542928 | 26175.21385148609 | 26626.79007511022 | 27101.46914453415 | 27569.02517522766
 | 0.0799 | 15464.99894491284 | 15573.33020327545 | 15675.60218271997 | 15781.97724860046 | 15141.82811357535 | 14318.78811125587 | 13498.71836845881 | 12660.64184864062 | 11818.41203374311 | 10986.89955126669 | 10136.08358557899 | 9296.152027584345
 | 0.0199 | 2951.356879585182 | 2012.700735617589 | 1103.163928674703 | 173.1499983926954 | -743.7913253398926 | 0 | 0 | 0 | 0 | 0 | 0 | 0
 | Total Debt | 39189.33946751231 | 38300.29478533719 | 37413.09746875204 | 36527.6916950347 | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A
 | Total Interest | 519.4586938086886 | 491.0514967664106 | 511.892654722464 | 498.9747941590157 | 516.6618831779056 | 499.0856756164408 | 516.2339972784355 | 516.2179089571806 | 498.661911617798 | 516.3199470375621 | 498.7997441193716 | 516.8189523683734 | 6100.177659629645
 | School | -0.7218750000000002 |  |  |  |  |  |  |  |  |  |  |  | -0.7218750000000002
 | Car | -11.9570875 | -14.22639785677083 | -16.51036417626248 | -18.80908111156751 | -21.12264392707972 | -23.45114850244211 | -25.79469133652038 | -28.15336955140208 | -30.52728089642154 | -32.91652375221094 | -35.3211971347773 | -37.74140069960607 | -296.5311864450609
 | CC Total Int. | 532.1376563086886 | 505.2778946231815 | 528.4030188987265 | 517.7838752705832 | 537.7845271049853 | 522.5368241188829 | 542.0286886149559 | 544.3712785085827 | 529.1891925142195 | 549.236470789773 | 534.1209412541489 | 554.5603530679795 | 6397.430721074707
 | CC 20.99% | 418.6572909298586 | 399.7139087699899 | 420.1634548604291 | 413.858477972129 | 435.031666681657 | 428.5035772622245 | 450.4260159386939 | 458.4558160568075 | 451.5762236241312 | 474.6790694239306 | 467.556030693511 | 491.4764107196954 | 5310.097942933058
 | CC 07.99% | 108.3312583626113 | 102.271979444524 | 106.3750658804907 | 103.6421903147817 | 102.7528604233282 | 94.03324685665844 | 91.60267267626195 | 85.91546245177518 | 77.61296889008831 | 74.55740136584235 | 66.5649105606379 | 63.08394234828401 | 1076.743959575284
 | CC 01.99% | 5.149107016218751 | 3.292006408667673 | 1.864498157806643 | 0.283206983672436 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10.5888185663655
 | CC Monthly Min | 943.8052509838117 | 912.8288133515534 | 931.8784284398146 | 917.2245307162605 | 925.7928627428068 | 914.1029896537252 | 929.6791924944498 | 928.1452773492816 | 909.1254513665115 | 925.373367053542 | 906.4964685552802 | 923.2121250960995
 | 2013 | 32 | 30 | 31 | 30 | 31 | 30 | 31 | 31 | 30 | 31 | 30 | 31 | Days in Billing Cycle
 |  | Jan | Feb | March | April | May | June | July | Aug | Sept | Oct | Nov | Dec
 | Extra Payments
 | School Loan | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A
 | Car Loan | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A
 | CC Total | 74839.47511175997 | 74091.08036064237 | 73350.16955703596 | 72616.6678614656 | 71890.50118285093 | 71171.59617102242 | 70151.96877666438 | 69758.36052154556 | 69060.7769163301 | 68370.1691471668 | 67686.46745569512 | 67009.60278113818
 | 0.2099 | 37419.73755587998 | 38108.34274277131 | 38765.78995989797 | 39456.87247685704 | 40137.58460284818 | 40853.12227203249 | 41557.92257599685 | 42298.78078533864 | 43052.84636531705 | 43795.59642987157 | 44576.34592688399 | 45345.37948935409
 | 0.0799 | 28060.50158594736 | 28257.06347760476 | 28442.63109720974 | 28635.64357108557 | 28823.6973728387 | 29019.29577290112 | 28901.95763331535 | 27459.57973620692 | 26007.93055101305 | 24574.57271729522 | 23110.12152881114 | 21664.22329178408
 | 0.0199 | 9359.23596993263 | 7725.674140266305 | 6141.748499928239 | 4524.151813522978 | 2929.219207164046 | 1299.178126088805 | -307.91143264781 | 0 | 0 | 0 | 0 | 0
 | Total Debt | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A
 | Total Interest | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A
 | School | #N/A |  |  |  |  |  |  |  |  |  |  |  | #N/A
 | Car | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A | #N/A
 | CC Total Int. | 901.4957400984601 | 855.6510763528452 | 894.4753871351908 | 876.1657048200933 | 916.0868509697439 | 897.4985541257741 | 936.9876856759251 | 940.407040385564 | 913.5473509402184 | 947.5132207479447 | 920.8005797428732 | 955.3916834813647 | 10956.020874476
 | CC 20.99% | 688.6051868913278 | 657.44721712666 | 691.0825169590687 | 680.7121259911472 | 715.537669184309 | 704.8003039643523 | 740.8582093417914 | 754.0655799784108 | 742.7500645545244 | 780.7494970124145 | 769.0335624701053 | 808.3776706829537 | 8734.019604157065
 | CC 07.99% | 196.5618916573978 | 185.5676196049825 | 193.0124738758323 | 188.0538017531291 | 195.5984000624224 | 190.5732930620383 | 196.1294763341337 | 186.3414604071532 | 170.7972863856939 | 166.7637237355302 | 151.767017272768 | 147.014012798411 | 2168.180456949493
 | CC 01.99% | 16.32866154973452 | 12.6362396212027 | 10.38039630028967 | 7.399777075817036 | 4.950781723012328 | 2.124957099383607 | 0 | 0 | 0 | 0 | 0 | 0 | 53.82081336943986
 | CC Monthly Min | 1649.89049121606 | 1596.561879959269 | 1627.97708270555 | 1602.332383434749 | 1634.991862798253 | 1609.214515835998 | 1638.507373442569 | 1637.990645601019 | 1604.155120103519 | 1631.214912219613 | 1597.665254299824 | 1625.487711292747