principal = 20000
rate = 2.13%
payment amount = $205/month

year 	month 	payment	interest	principal
2009	4	205	35.5		19830.5
2009	5	205	35.1991		19660.7
2009	6	205	34.8977		19490.6
2009	7	205	34.5958		19320.2
2009	8	205	34.2933		19149.5
2009	9	205	33.9903		18978.5
2009	10	205	33.6868		18807.2
2009	11	205	33.3827		18635.5
2009	12	205	33.0781		18463.6
			Interest paid in 2009 is 308.624
2010	1	205	32.7729		18291.4
2010	2	205	32.4672		18118.9
2010	3	205	32.161		17946
2010	4	205	31.8542		17772.9
2010	5	205	31.5469		17599.4
2010	6	205	31.239		17425.7
2010	7	205	30.9306		17251.6
2010	8	205	30.6216		17077.2
2010	9	205	30.3121		16902.5
2010	10	205	30.002		16727.5
2010	11	205	29.6914		16552.2
2010	12	205	29.3802		16376.6
			Interest paid in 2010 is 372.979
2011	1	205	29.0685		16200.7
2011	2	205	28.7562		16024.4
2011	3	205	28.4434		15847.9
2011	4	205	28.13		15671
2011	5	205	27.816		15493.8
2011	6	205	27.5015		15316.3
2011	7	205	27.1865		15138.5
2011	8	205	26.8708		14960.4
2011	9	205	26.5547		14781.9
2011	10	205	26.2379		14603.2
2011	11	205	25.9206		14424.1
2011	12	205	25.6028		14244.7
			Interest paid in 2011 is 328.089
2012	1	205	25.2843		14065
2012	2	205	24.9653		13884.9
2012	3	205	24.6458		13704.6
2012	4	205	24.3256		13523.9
2012	5	205	24.0049		13342.9
2012	6	205	23.6837		13161.6
2012	7	205	23.3618		12980
2012	8	205	23.0394		12798
2012	9	205	22.7165		12615.7
2012	10	205	22.3929		12433.1
2012	11	205	22.0688		12250.2
2012	12	205	21.7441		12066.9
			Interest paid in 2012 is 282.233
2013	1	205	21.4188		11883.3
2013	2	205	21.0929		11699.4
2013	3	205	20.7665		11515.2
2013	4	205	20.4395		11330.6
2013	5	205	20.1119		11145.8
2013	6	205	19.7837		10960.5
2013	7	205	19.455		10775
2013	8	205	19.1256		10589.1
2013	9	205	18.7957		10402.9
2013	10	205	18.4652		10216.4
2013	11	205	18.1341		10029.5
2013	12	205	17.8024		9842.32
			Interest paid in 2013 is 235.391
2014	1	205	17.4701		9654.79
2014	2	205	17.1372		9466.92
2014	3	205	16.8038		9278.73
2014	4	205	16.4697		9090.2
2014	5	205	16.1351		8901.33
2014	6	205	15.7999		8712.13
2014	7	205	15.464		8522.6
2014	8	205	15.1276		8332.72
2014	9	205	14.7906		8142.51
2014	10	205	14.453		7951.97
2014	11	205	14.1147		7761.08
2014	12	205	13.7759		7569.86
			Interest paid in 2014 is 187.542
2015	1	205	13.4365		7378.29
2015	2	205	13.0965		7186.39
2015	3	205	12.7558		6994.15
2015	4	205	12.4146		6801.56
2015	5	205	12.0728		6608.63
2015	6	205	11.7303		6415.36
2015	7	205	11.3873		6221.75
2015	8	205	11.0436		6027.8
2015	9	205	10.6993		5833.49
2015	10	205	10.3545		5638.85
2015	11	205	10.009		5443.86
2015	12	205	9.66285		5248.52
			Interest paid in 2015 is 138.663
2016	1	205	9.31612		5052.84
2016	2	205	8.96879		4856.81
2016	3	205	8.62083		4660.43
2016	4	205	8.27226		4463.7
2016	5	205	7.92307		4266.62
2016	6	205	7.57325		4069.2
2016	7	205	7.22282		3871.42
2016	8	205	6.87177		3673.29
2016	9	205	6.52009		3474.81
2016	10	205	6.16779		3275.98
2016	11	205	5.81486		3076.79
2016	12	205	5.46131		2877.25
			Interest paid in 2016 is 88.7329
2017	1	205	5.10713		2677.36
2017	2	205	4.75232		2477.11
2017	3	205	4.39688		2276.51
2017	4	205	4.04081		2075.55
2017	5	205	3.6841		1874.23
2017	6	205	3.32677		1672.56
2017	7	205	2.9688		1470.53
2017	8	205	2.61019		1268.14
2017	9	205	2.25095		1065.39
2017	10	205	1.89107		862.283
2017	11	205	1.53055		658.813
2017	12	205	1.16939		454.983
			Interest paid in 2017 is 37.7289
2018	1	205	0.807594		250.79
2018	2	205	0.445153		46.2355
2018	3	46.2355	0.0820679		0
			Interest paid in 2018 is 1.33482