mortgage calculators

[crabbypatty]

I've been playing around on Bankrate's mtg calculator and b/c I've thrown some money at the loan in the past I can't figure out how to adjust for that.

I can get it to where my payment is about what I am paying now, but the balance is off by a few thousand.

Any suggestions?

[jIM_Ohio]

Here is one I use:

http://mortgages.interest.com/content/calculators/monthly-payment.asp?unroundedPayment=723.1767232681853&loa nAmount=55000.00&nrOfYears=9&nrOfMonths=108&intere stRate=8.25&startMonth=1&startDay=16&startYear=200 6&monthlyPayment=723.18&monthlyAdditional=0&yearly Additional=0&yearlyAdditionalMonth=1&oneAdditional =0&oneAdditionalMonth=1&oneAdditionalYear=2007&pai dOffDate=Feb+16%2C+2015&submit=Calculate

Microsoft also has spreadsheets which can account for more precise APRs, varied pre-payments and similar issues.

Look here

http://office.microsoft.com/en-us/templates/TC011415371033.aspx

[PRICEPLUS]

Thanks for the heads up jim!