Hver måned beregner vi:

• Renter = restlån $\cdot$ 0,0033
• Avdrag = terminbeløp $-$ gebyr $-$ renter = $13\,385 - 50 -$ renter
• Nytt restlån = gammelt restlån $-$ avdrag

Vi setter dette opp i et regneark:

Mnd	Lån (start)	Renter	Avdrag	Lån (slutt)
1	$2\,500\,000$	$8\,250$	$5\,085$	$2\,494\,915$
2	$2\,494\,915$	$8\,233$	$5\,102$	$2\,489\,813$
3	$2\,489\,813$	$8\,216$	$5\,119$	$2\,484\,695$
4	$2\,484\,695$	$8\,199$	$5\,136$	$2\,479\,559$
5	$2\,479\,559$	$8\,183$	$5\,152$	$2\,474\,407$
6	$2\,474\,407$	$8\,166$	$5\,169$	$2\,469\,237$
7	$2\,469\,237$	$8\,148$	$5\,187$	$2\,464\,051$
8	$2\,464\,051$	$8\,131$	$5\,204$	$2\,458\,847$
9	$2\,458\,847$	$8\,114$	$5\,221$	$2\,453\,626$
10	$2\,453\,626$	$8\,097$	$5\,238$	$2\,448\,388$
11	$2\,448\,388$	$8\,080$	$5\,255$	$2\,443\,133$
12	$2\,443\,133$	$8\,062$	$5\,273$	$2\,437\,860$
13	$2\,437\,860$	$8\,045$	$5\,290$	$2\,432\,570$
14	$2\,432\,570$	$8\,027$	$5\,308$	$2\,427\,263$
15	$2\,427\,263$	$8\,010$	$5\,325$	$2\,421\,938$
16	$2\,421\,938$	$7\,992$	$5\,343$	$2\,416\,595$
17	$2\,416\,595$	$7\,975$	$5\,360$	$2\,411\,235$
18	$2\,411\,235$	$7\,957$	$5\,378$	$2\,405\,857$
19	$2\,405\,857$	$7\,939$	$5\,396$	$2\,400\,461$
20	$2\,400\,461$	$7\,922$	$5\,413$	$2\,395\,048$
21	$2\,395\,048$	$7\,904$	$5\,431$	$2\,389\,616$
22	$2\,389\,616$	$7\,886$	$5\,449$	$2\,384\,167$
23	$2\,384\,167$	$7\,868$	$5\,467$	$2\,378\,700$
24	$2\,378\,700$	$7\,850$	$5\,485$	$2\,373\,215$

Vi ser at avdragene øker litt for hver måned (fordi rentene minker), og etter to år er restlånet $\underline{\underline{\approx 2\,373\,215 \, \mathrm{kr}}}$.