Question: I am trying to find the formula bank’s use to calculate the amortization schedule for a typical mortgage loan. Specifically, I would like to be able to calculate how much interest will be saved with pre-payment so that I can compare various investment options. A reference to a source where I could look up more information like this if I need it would be great also.

Answer: HP Calculator (business ) should do the job; range from 100 to 250 with all bells and whistles: Actaully you can get a Texas Instrument Business calculator for as little as $20 to do simply PI calculations.

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