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[Music] were trying to borrow some money from the bank to purchase a house the problem with mortgages is you have got a monthly or a weekly payment and every week you will make the same payment but as i am self-employed there is a lot of variability in my income so i wanted to know what it would be like if i make some arbitrary extra payments on my mortgage most of the online mortgage calculators that i try do not cater for such a thing they do have extra payment option but it is just a fixed payment every six months or something like that so i did what i do best which is i made an excel mod cage calculator so in this video let me explain how we can construct such a mod cage calculator if you dont want to watch the whole video but rather want to have the mod cage calculator for your situation feel free to download the link for that is in the video description here is my mortgage payments calculator so im borrowing 500 000 for 20 years at 5.35 annual percentage rate and my monthly pa