principal = 20000
rate = 3.61%
payment amount = $156/month

year 	month 	payment	interest	principal
2009	4	156	60.1667		19904.2
2009	5	156	59.8784		19808
2009	6	156	59.5892		19711.6
2009	7	156	59.2992		19614.9
2009	8	156	59.0083		19517.9
2009	9	156	58.7165		19420.7
2009	10	156	58.4238		19323.1
2009	11	156	58.1303		19225.2
2009	12	156	57.8358		19127
			Interest paid in 2009 is 531.048
2010	1	156	57.5405		19028.6
2010	2	156	57.2443		18929.8
2010	3	156	56.9472		18830.8
2010	4	156	56.6493		18731.4
2010	5	156	56.3504		18631.8
2010	6	156	56.0506		18531.8
2010	7	156	55.7499		18431.6
2010	8	156	55.4483		18331
2010	9	156	55.1458		18230.2
2010	10	156	54.8424		18129
2010	11	156	54.5381		18027.6
2010	12	156	54.2329		17925.8
			Interest paid in 2010 is 670.74
2011	1	156	53.9267		17823.7
2011	2	156	53.6197		17721.3
2011	3	156	53.3117		17618.6
2011	4	156	53.0028		17515.6
2011	5	156	52.6929		17412.3
2011	6	156	52.3821		17308.7
2011	7	156	52.0704		17204.8
2011	8	156	51.7578		17100.6
2011	9	156	51.4442		16996
2011	10	156	51.1296		16891.1
2011	11	156	50.8141		16785.9
2011	12	156	50.4977		16680.4
			Interest paid in 2011 is 626.65
2012	1	156	50.1803		16574.6
2012	2	156	49.862		16468.5
2012	3	156	49.5427		16362
2012	4	156	49.2224		16255.2
2012	5	156	48.9012		16148.1
2012	6	156	48.579		16040.7
2012	7	156	48.2558		15933
2012	8	156	47.9317		15824.9
2012	9	156	47.6066		15716.5
2012	10	156	47.2805		15607.8
2012	11	156	46.9535		15498.8
2012	12	156	46.6254		15389.4
			Interest paid in 2012 is 580.941
2013	1	156	46.2964		15279.7
2013	2	156	45.9664		15169.6
2013	3	156	45.6353		15059.3
2013	4	156	45.3033		14948.6
2013	5	156	44.9703		14837.6
2013	6	156	44.6363		14726.2
2013	7	156	44.3013		14614.5
2013	8	156	43.9653		14502.5
2013	9	156	43.6282		14390.1
2013	10	156	43.2902		14277.4
2013	11	156	42.9511		14164.3
2013	12	156	42.611		14050.9
			Interest paid in 2013 is 533.555
2014	1	156	42.2699		13937.2
2014	2	156	41.9278		13823.1
2014	3	156	41.5846		13708.7
2014	4	156	41.2404		13594
2014	5	156	40.8952		13478.9
2014	6	156	40.5489		13363.4
2014	7	156	40.2016		13247.6
2014	8	156	39.8532		13131.5
2014	9	156	39.5038		13015
2014	10	156	39.1533		12898.1
2014	11	156	38.8018		12780.9
2014	12	156	38.4493		12663.4
			Interest paid in 2014 is 484.43
2015	1	156	38.0956		12545.5
2015	2	156	37.7409		12427.2
2015	3	156	37.3852		12308.6
2015	4	156	37.0283		12189.6
2015	5	156	36.6704		12070.3
2015	6	156	36.3114		11950.6
2015	7	156	35.9514		11830.5
2015	8	156	35.5902		11710.1
2015	9	156	35.228		11589.4
2015	10	156	34.8647		11468.2
2015	11	156	34.5003		11346.7
2015	12	156	34.1347		11224.9
			Interest paid in 2015 is 433.501
2016	1	156	33.7681		11102.6
2016	2	156	33.4004		10980
2016	3	156	33.0316		10857.1
2016	4	156	32.6617		10733.7
2016	5	156	32.2906		10610
2016	6	156	31.9185		10485.9
2016	7	156	31.5452		10361.5
2016	8	156	31.1708		10236.7
2016	9	156	30.7953		10111.4
2016	10	156	30.4186		9985.87
2016	11	156	30.0408		9859.91
2016	12	156	29.6619		9733.57
			Interest paid in 2016 is 380.703
2017	1	156	29.2818		9606.85
2017	2	156	28.9006		9479.75
2017	3	156	28.5182		9352.27
2017	4	156	28.1347		9224.4
2017	5	156	27.7501		9096.15
2017	6	156	27.3643		8967.52
2017	7	156	26.9773		8838.5
2017	8	156	26.5891		8709.08
2017	9	156	26.1998		8579.28
2017	10	156	25.8093		8449.09
2017	11	156	25.4177		8318.51
2017	12	156	25.0249		8187.54
			Interest paid in 2017 is 325.968
2018	1	156	24.6308		8056.17
2018	2	156	24.2356		7924.4
2018	3	156	23.8392		7792.24
2018	4	156	23.4417		7659.68
2018	5	156	23.0429		7526.73
2018	6	156	22.6429		7393.37
2018	7	156	22.2417		7259.61
2018	8	156	21.8393		7125.45
2018	9	156	21.4357		6990.89
2018	10	156	21.0309		6855.92
2018	11	156	20.6249		6720.54
2018	12	156	20.2176		6584.76
			Interest paid in 2018 is 269.223
2019	1	156	19.8092		6448.57
2019	2	156	19.3994		6311.97
2019	3	156	18.9885		6174.96
2019	4	156	18.5763		6037.53
2019	5	156	18.1629		5899.7
2019	6	156	17.7483		5761.44
2019	7	156	17.3323		5622.78
2019	8	156	16.9152		5483.69
2019	9	156	16.4968		5344.19
2019	10	156	16.0771		5204.27
2019	11	156	15.6562		5063.92
2019	12	156	15.234		4923.16
			Interest paid in 2019 is 210.396
2020	1	156	14.8105		4781.97
2020	2	156	14.3857		4640.35
2020	3	156	13.9597		4498.31
2020	4	156	13.5324		4355.84
2020	5	156	13.1038		4212.95
2020	6	156	12.674		4069.62
2020	7	156	12.2428		3925.86
2020	8	156	11.8103		3781.67
2020	9	156	11.3765		3637.05
2020	10	156	10.9415		3491.99
2020	11	156	10.5051		3346.5
2020	12	156	10.0674		3200.57
			Interest paid in 2020 is 149.41
2021	1	156	9.62837		3054.19
2021	2	156	9.18803		2907.38
2021	3	156	8.74637		2760.13
2021	4	156	8.30339		2612.43
2021	5	156	7.85906		2464.29
2021	6	156	7.41341		2315.7
2021	7	156	6.96641		2166.67
2021	8	156	6.51807		2017.19
2021	9	156	6.06837		1867.26
2021	10	156	5.61733		1716.87
2021	11	156	5.16493		1566.04
2021	12	156	4.71117		1414.75
			Interest paid in 2021 is 86.1849
2022	1	156	4.25604		1263.01
2022	2	156	3.79954		1110.81
2022	3	156	3.34167		958.147
2022	4	156	2.88243		805.03
2022	5	156	2.4218		651.452
2022	6	156	1.95978		497.411
2022	7	156	1.49638		342.908
2022	8	156	1.03158		187.939
2022	9	156	0.565384		32.5048
2022	10	32.5048	0.0977852		0
			Interest paid in 2022 is 21.8524