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Monthly Payment

Find the monthly payment on a 30-year
loan of $220,000 at 7.5% annual interest
rate. 

Keystroke

Display

[On/C] [On/C]

0.00

220000 [Loan Amt]

220,000.00

7.5 [Int]

7.50

30 [Term]

30.00 

[Pmt]

1,538.27

Term

How long does it take to pay off a loan of
$275,000 at 6.5% interest if you make pay-
ments of $1,700 each month? 

Keystroke

Display

[On/C] [On/C]

0.00

275000 [Loan Amt]

275,000.00 

6.5 [Int]

6.50

1700 [Pmt]

1,700.00

[Term]

32.23

What is the periodic term, or # of months?
Keystroke

Display

[Term]

386.76

Interest Rate 

Find the interest rate on a mortgage where
the loan amount is $155,000, term is 30
years and the monthly payment is $1,100. 

Keystroke

Display

[On/C] [On/C]

0.00

155000 [Loan Amt]

155,000.00

30 [Term]

30.00

1100 [Pmt]

1,100.00

[Int]

7.65

What is the periodic interest?

Keystroke

Display

[Int]

0.64

LOAN PROBLEMS

Loan Amount

How much can you borrow if the interest
rate is 7.75% on a 30-year mortgage and
you can afford to pay $1,200 each month?

Keystroke

Display

[On/C] [On/C]

0.00

7.75 [Int]

7.75

30 [Term]

30.00

1200 [Pmt]

1,200.00

[Loan Amt]

167,501.32

Quarterly Payment

Find the quarterly payment on a 10-year
loan of $15,000 at 10% annual interest
rate. 

Keystroke

Display

[On/C] [On/C]

0.00

4 [Set] [

÷

]

4.00

10 [Term]

10.00

15000 [Loan Amt]

15,000.00

10 [Int]

10.00

[Pmt]

597.54

12 [Set] [

÷

(return to 12 pmts/yr)

12.00

Delta %—Rate of Appreciation 

A home originally purchased for $150,000
sold a year later for $185,000. What is the
rate of appreciation?

Keystroke

Display

150000 [Set] [%]

150,000.00

185000 [=]

23.33

Total Interest & Principal Paid—
Amortization

How much interest & principal and total will
you pay on a 30-year, $180,000 loan at
7% interest? 

Keystroke

Display

[On/C] [On/C]

0.00

180000 [Loan Amt]

180,000.00

7 [Int]

7.00

30 [Term]

30.00

[Pmt]

1,197.54

[Set] [Pmt] 

(range of pmts.)

1-360

[Pmt] 

(total interest)

251,116.02

[Pmt] 

(total principal)

180,000.00

[Pmt] 

(total payments)

431,116.02

Total Interest, Principal & Rem.
Balance—for Range of Payments

How much total interest & principal will you
pay in payments 1-36 on a 30-year,
$100,000 loan at 7% interest? What is the
remaining balance after payments 1-36?

Keystroke

Display

[On/C] [On/C]

0.00

100000 [Loan Amt]

100,000.00

7 [Int]

7.00

30 [Term]

30.00

[Pmt]

665.30

36 [Set] [Pmt] 

(range of pmts.)

1-36

[Pmt] 

(total interest)

20,677.85

[Pmt] 

(total principal)

3,273.04

[Pmt] 

(total payments)

23,950.89

[Pmt] 

(rem. balance)

96,726.96*

*

Note: Also displayed via 36 [Set] [Loan Amt].

Trust Deed/Purchase Price of a
Note—Fully Amortized

You’d like to buy a mortgage with 15 years
remaining, $100 per month in incoming
payments and you desire a 25% return.
What will you pay for the mortgage? What
if you desire a 20% yield? 

Keystroke

Display

[On/C] [On/C]

0.00

25 [Int]

25.00

15 [Term]

15.00

100 [Pmt]

100.00

[Loan Amt] 

(price)

4,682.68

20 [Int]

20.00

[Loan Amt] 

(new price)

5,693.80

Future Value

What will a $200,000 house be worth after 
3 years, if you figure an inflation or apprecia-
tion rate of 8.5%? 

Note: Set periods to one per year.

Keystroke

Display

[On/C] [On/C]

0.00

1 [Set] [

÷

]

1.00

200000 [Loan Amt]

200,000.00

3 [Term]

3.00

8.5 [Int]

8.50

[FV]

255,457.83

12 [Set] [

÷

(return to 12 pmts/yr)

12.00

USER’S GUIDE

Software copyrighted and licensed to

Calculated Industries, by Real Estate Master 

Technologies, LLC, 2003.

User’s Guide copyrighted by 

Calculated Industries, 2003.

Real Estate Master® and Calculated Industries® are

registered trademarks of Calculated Industries

ALL RIGHTS RESERVED

Designed in the U.S.A.

Calculated Industries

4840 Hytech Drive

Carson City, NV 89706 U.S.A.

Tech. Support Line: 1-775-885-4975

Fax: 1-775-885-4949

[email protected]

www.calculated.com

3265/3275UG-E-E

7/03

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