Use the calculator below to calculate your monthly home equity payment for the loan from AmeriCU Credit Union. You can adjust loan amount, interest rate, and the home equity term to view the impact on the monthly payment amount. The calculator also provides an amortization table to show the amount of principal and interest payments a borrower will make over the life of the loan.
Product Total Termlength: 20 Years
Interest Rate: 9.74%
| Date | Principal Balance? | Monthly Payment? | Interest? | Monthly Amortization? |
|---|---|---|---|---|
| 05/27/2024 | $319,564.18 | $3,033.15 | $2,597.33 | $435.82 |
| 06/27/2024 | $319,124.83 | $3,033.15 | $2,593.80 | $439.35 |
| 07/27/2024 | $318,681.91 | $3,033.15 | $2,590.23 | $442.92 |
| 08/27/2024 | $318,235.40 | $3,033.15 | $2,586.63 | $446.51 |
| 09/27/2024 | $317,785.26 | $3,033.15 | $2,583.01 | $450.14 |
| 10/27/2024 | $317,331.47 | $3,033.15 | $2,579.36 | $453.79 |
| 11/27/2024 | $316,873.99 | $3,033.15 | $2,575.67 | $457.48 |
| 12/27/2024 | $316,412.80 | $3,033.15 | $2,571.96 | $461.19 |
| 01/27/2025 | $315,947.87 | $3,033.15 | $2,568.22 | $464.93 |
| 02/27/2025 | $315,479.16 | $3,033.15 | $2,564.44 | $468.71 |
| 03/27/2025 | $315,006.65 | $3,033.15 | $2,560.64 | $472.51 |
| 04/27/2025 | $314,530.31 | $3,033.15 | $2,556.80 | $476.35 |
| 05/27/2025 | $314,050.10 | $3,033.15 | $2,552.94 | $480.21 |
| 06/27/2025 | $313,565.99 | $3,033.15 | $2,549.04 | $484.11 |
| 07/27/2025 | $313,077.95 | $3,033.15 | $2,545.11 | $488.04 |
| 08/27/2025 | $312,585.95 | $3,033.15 | $2,541.15 | $492.00 |
| 09/27/2025 | $312,089.96 | $3,033.15 | $2,537.16 | $495.99 |
| 10/27/2025 | $311,589.94 | $3,033.15 | $2,533.13 | $500.02 |
| 11/27/2025 | $311,085.86 | $3,033.15 | $2,529.07 | $504.08 |
| 12/27/2025 | $310,577.69 | $3,033.15 | $2,524.98 | $508.17 |
| 01/27/2026 | $310,065.40 | $3,033.15 | $2,520.86 | $512.29 |
| 02/27/2026 | $309,548.95 | $3,033.15 | $2,516.70 | $516.45 |
| 03/27/2026 | $309,028.30 | $3,033.15 | $2,512.51 | $520.64 |
| 04/27/2026 | $308,503.43 | $3,033.15 | $2,508.28 | $524.87 |
| 05/27/2026 | $307,974.30 | $3,033.15 | $2,504.02 | $529.13 |
| 06/27/2026 | $307,440.88 | $3,033.15 | $2,499.72 | $533.42 |
| 07/27/2026 | $306,903.13 | $3,033.15 | $2,495.40 | $537.75 |
| 08/27/2026 | $306,361.01 | $3,033.15 | $2,491.03 | $542.12 |
| 09/27/2026 | $305,814.49 | $3,033.15 | $2,486.63 | $546.52 |
| 10/27/2026 | $305,263.53 | $3,033.15 | $2,482.19 | $550.95 |
| 11/27/2026 | $304,708.11 | $3,033.15 | $2,477.72 | $555.43 |
| 12/27/2026 | $304,148.17 | $3,033.15 | $2,473.21 | $559.94 |
| 01/27/2027 | $303,583.69 | $3,033.15 | $2,468.67 | $564.48 |
| 02/27/2027 | $303,014.63 | $3,033.15 | $2,464.09 | $569.06 |
| 03/27/2027 | $302,440.95 | $3,033.15 | $2,459.47 | $573.68 |
| 04/27/2027 | $301,862.61 | $3,033.15 | $2,454.81 | $578.34 |
| 05/27/2027 | $301,279.58 | $3,033.15 | $2,450.12 | $583.03 |
| 06/27/2027 | $300,691.82 | $3,033.15 | $2,445.39 | $587.76 |
| 07/27/2027 | $300,099.28 | $3,033.15 | $2,440.62 | $592.53 |
| 08/27/2027 | $299,501.94 | $3,033.15 | $2,435.81 | $597.34 |
| 09/27/2027 | $298,899.75 | $3,033.15 | $2,430.96 | $602.19 |
| 10/27/2027 | $298,292.67 | $3,033.15 | $2,426.07 | $607.08 |
| 11/27/2027 | $297,680.66 | $3,033.15 | $2,421.14 | $612.01 |
| 12/27/2027 | $297,063.69 | $3,033.15 | $2,416.17 | $616.97 |
| 01/27/2028 | $296,441.71 | $3,033.15 | $2,411.17 | $621.98 |
| 02/27/2028 | $295,814.67 | $3,033.15 | $2,406.12 | $627.03 |
| 03/27/2028 | $295,182.55 | $3,033.15 | $2,401.03 | $632.12 |
| 04/27/2028 | $294,545.30 | $3,033.15 | $2,395.90 | $637.25 |
| 05/27/2028 | $293,902.88 | $3,033.15 | $2,390.73 | $642.42 |
| 06/27/2028 | $293,255.24 | $3,033.15 | $2,385.51 | $647.64 |
| 07/27/2028 | $292,602.35 | $3,033.15 | $2,380.26 | $652.89 |
| 08/27/2028 | $291,944.16 | $3,033.15 | $2,374.96 | $658.19 |
| 09/27/2028 | $291,280.62 | $3,033.15 | $2,369.61 | $663.54 |
| 10/27/2028 | $290,611.70 | $3,033.15 | $2,364.23 | $668.92 |
| 11/27/2028 | $289,937.35 | $3,033.15 | $2,358.80 | $674.35 |
| 12/27/2028 | $289,257.52 | $3,033.15 | $2,353.32 | $679.82 |
| 01/27/2029 | $288,572.18 | $3,033.15 | $2,347.81 | $685.34 |
| 02/27/2029 | $287,881.28 | $3,033.15 | $2,342.24 | $690.90 |
| 03/27/2029 | $287,184.76 | $3,033.15 | $2,336.64 | $696.51 |
| 04/27/2029 | $286,482.60 | $3,033.15 | $2,330.98 | $702.17 |
| 05/27/2029 | $285,774.73 | $3,033.15 | $2,325.28 | $707.87 |
| 06/27/2029 | $285,061.12 | $3,033.15 | $2,319.54 | $713.61 |
| 07/27/2029 | $284,341.72 | $3,033.15 | $2,313.75 | $719.40 |
| 08/27/2029 | $283,616.47 | $3,033.15 | $2,307.91 | $725.24 |
| 09/27/2029 | $282,885.35 | $3,033.15 | $2,302.02 | $731.13 |
| 10/27/2029 | $282,148.28 | $3,033.15 | $2,296.09 | $737.06 |
| 11/27/2029 | $281,405.24 | $3,033.15 | $2,290.10 | $743.05 |
| 12/27/2029 | $280,656.16 | $3,033.15 | $2,284.07 | $749.08 |
| 01/27/2030 | $279,901.00 | $3,033.15 | $2,277.99 | $755.16 |
| 02/27/2030 | $279,139.72 | $3,033.15 | $2,271.86 | $761.29 |
| 03/27/2030 | $278,372.25 | $3,033.15 | $2,265.68 | $767.47 |
| 04/27/2030 | $277,598.56 | $3,033.15 | $2,259.45 | $773.69 |
| 05/27/2030 | $276,818.58 | $3,033.15 | $2,253.17 | $779.97 |
| 06/27/2030 | $276,032.28 | $3,033.15 | $2,246.84 | $786.31 |
| 07/27/2030 | $275,239.59 | $3,033.15 | $2,240.46 | $792.69 |
| 08/27/2030 | $274,440.47 | $3,033.15 | $2,234.03 | $799.12 |
| 09/27/2030 | $273,634.86 | $3,033.15 | $2,227.54 | $805.61 |
| 10/27/2030 | $272,822.72 | $3,033.15 | $2,221.00 | $812.15 |
| 11/27/2030 | $272,003.98 | $3,033.15 | $2,214.41 | $818.74 |
| 12/27/2030 | $271,178.60 | $3,033.15 | $2,207.77 | $825.38 |
| 01/27/2031 | $270,346.51 | $3,033.15 | $2,201.07 | $832.08 |
| 02/27/2031 | $269,507.68 | $3,033.15 | $2,194.31 | $838.84 |
| 03/27/2031 | $268,662.03 | $3,033.15 | $2,187.50 | $845.65 |
| 04/27/2031 | $267,809.52 | $3,033.15 | $2,180.64 | $852.51 |
| 05/27/2031 | $266,950.09 | $3,033.15 | $2,173.72 | $859.43 |
| 06/27/2031 | $266,083.69 | $3,033.15 | $2,166.74 | $866.40 |
| 07/27/2031 | $265,210.25 | $3,033.15 | $2,159.71 | $873.44 |
| 08/27/2031 | $264,329.73 | $3,033.15 | $2,152.62 | $880.53 |
| 09/27/2031 | $263,442.05 | $3,033.15 | $2,145.48 | $887.67 |
| 10/27/2031 | $262,547.18 | $3,033.15 | $2,138.27 | $894.88 |
| 11/27/2031 | $261,645.03 | $3,033.15 | $2,131.01 | $902.14 |
| 12/27/2031 | $260,735.57 | $3,033.15 | $2,123.69 | $909.46 |
| 01/27/2032 | $259,818.72 | $3,033.15 | $2,116.30 | $916.85 |
| 02/27/2032 | $258,894.44 | $3,033.15 | $2,108.86 | $924.29 |
| 03/27/2032 | $257,962.65 | $3,033.15 | $2,101.36 | $931.79 |
| 04/27/2032 | $257,023.30 | $3,033.15 | $2,093.80 | $939.35 |
| 05/27/2032 | $256,076.32 | $3,033.15 | $2,086.17 | $946.98 |
| 06/27/2032 | $255,121.66 | $3,033.15 | $2,078.49 | $954.66 |
| 07/27/2032 | $254,159.24 | $3,033.15 | $2,070.74 | $962.41 |
| 08/27/2032 | $253,189.02 | $3,033.15 | $2,062.93 | $970.22 |
| 09/27/2032 | $252,210.92 | $3,033.15 | $2,055.05 | $978.10 |
| 10/27/2032 | $251,224.89 | $3,033.15 | $2,047.11 | $986.04 |
| 11/27/2032 | $250,230.85 | $3,033.15 | $2,039.11 | $994.04 |
| 12/27/2032 | $249,228.74 | $3,033.15 | $2,031.04 | $1,002.11 |
| 01/27/2033 | $248,218.49 | $3,033.15 | $2,022.91 | $1,010.24 |
| 02/27/2033 | $247,200.05 | $3,033.15 | $2,014.71 | $1,018.44 |
| 03/27/2033 | $246,173.34 | $3,033.15 | $2,006.44 | $1,026.71 |
| 04/27/2033 | $245,138.30 | $3,033.15 | $1,998.11 | $1,035.04 |
| 05/27/2033 | $244,094.86 | $3,033.15 | $1,989.71 | $1,043.44 |
| 06/27/2033 | $243,042.94 | $3,033.15 | $1,981.24 | $1,051.91 |
| 07/27/2033 | $241,982.49 | $3,033.15 | $1,972.70 | $1,060.45 |
| 08/27/2033 | $240,913.44 | $3,033.15 | $1,964.09 | $1,069.06 |
| 09/27/2033 | $239,835.70 | $3,033.15 | $1,955.41 | $1,077.74 |
| 10/27/2033 | $238,749.22 | $3,033.15 | $1,946.67 | $1,086.48 |
| 11/27/2033 | $237,653.92 | $3,033.15 | $1,937.85 | $1,095.30 |
| 12/27/2033 | $236,549.72 | $3,033.15 | $1,928.96 | $1,104.19 |
| 01/27/2034 | $235,436.57 | $3,033.15 | $1,920.00 | $1,113.15 |
| 02/27/2034 | $234,314.38 | $3,033.15 | $1,910.96 | $1,122.19 |
| 03/27/2034 | $233,183.08 | $3,033.15 | $1,901.85 | $1,131.30 |
| 04/27/2034 | $232,042.60 | $3,033.15 | $1,892.67 | $1,140.48 |
| 05/27/2034 | $230,892.87 | $3,033.15 | $1,883.41 | $1,149.74 |
| 06/27/2034 | $229,733.80 | $3,033.15 | $1,874.08 | $1,159.07 |
| 07/27/2034 | $228,565.32 | $3,033.15 | $1,864.67 | $1,168.48 |
| 08/27/2034 | $227,387.36 | $3,033.15 | $1,855.19 | $1,177.96 |
| 09/27/2034 | $226,199.84 | $3,033.15 | $1,845.63 | $1,187.52 |
| 10/27/2034 | $225,002.68 | $3,033.15 | $1,835.99 | $1,197.16 |
| 11/27/2034 | $223,795.80 | $3,033.15 | $1,826.27 | $1,206.88 |
| 12/27/2034 | $222,579.13 | $3,033.15 | $1,816.48 | $1,216.67 |
| 01/27/2035 | $221,352.58 | $3,033.15 | $1,806.60 | $1,226.55 |
| 02/27/2035 | $220,116.08 | $3,033.15 | $1,796.65 | $1,236.50 |
| 03/27/2035 | $218,869.54 | $3,033.15 | $1,786.61 | $1,246.54 |
| 04/27/2035 | $217,612.88 | $3,033.15 | $1,776.49 | $1,256.66 |
| 05/27/2035 | $216,346.02 | $3,033.15 | $1,766.29 | $1,266.86 |
| 06/27/2035 | $215,068.88 | $3,033.15 | $1,756.01 | $1,277.14 |
| 07/27/2035 | $213,781.37 | $3,033.15 | $1,745.64 | $1,287.51 |
| 08/27/2035 | $212,483.42 | $3,033.15 | $1,735.19 | $1,297.96 |
| 09/27/2035 | $211,174.92 | $3,033.15 | $1,724.66 | $1,308.49 |
| 10/27/2035 | $209,855.81 | $3,033.15 | $1,714.04 | $1,319.11 |
| 11/27/2035 | $208,525.99 | $3,033.15 | $1,703.33 | $1,329.82 |
| 12/27/2035 | $207,185.38 | $3,033.15 | $1,692.54 | $1,340.61 |
| 01/27/2036 | $205,833.88 | $3,033.15 | $1,681.65 | $1,351.49 |
| 02/27/2036 | $204,471.42 | $3,033.15 | $1,670.69 | $1,362.46 |
| 03/27/2036 | $203,097.90 | $3,033.15 | $1,659.63 | $1,373.52 |
| 04/27/2036 | $201,713.23 | $3,033.15 | $1,648.48 | $1,384.67 |
| 05/27/2036 | $200,317.31 | $3,033.15 | $1,637.24 | $1,395.91 |
| 06/27/2036 | $198,910.07 | $3,033.15 | $1,625.91 | $1,407.24 |
| 07/27/2036 | $197,491.41 | $3,033.15 | $1,614.49 | $1,418.66 |
| 08/27/2036 | $196,061.23 | $3,033.15 | $1,602.97 | $1,430.18 |
| 09/27/2036 | $194,619.45 | $3,033.15 | $1,591.36 | $1,441.79 |
| 10/27/2036 | $193,165.96 | $3,033.15 | $1,579.66 | $1,453.49 |
| 11/27/2036 | $191,700.68 | $3,033.15 | $1,567.86 | $1,465.29 |
| 12/27/2036 | $190,223.50 | $3,033.15 | $1,555.97 | $1,477.18 |
| 01/27/2037 | $188,734.33 | $3,033.15 | $1,543.98 | $1,489.17 |
| 02/27/2037 | $187,233.07 | $3,033.15 | $1,531.89 | $1,501.26 |
| 03/27/2037 | $185,719.63 | $3,033.15 | $1,519.71 | $1,513.44 |
| 04/27/2037 | $184,193.91 | $3,033.15 | $1,507.42 | $1,525.72 |
| 05/27/2037 | $182,655.80 | $3,033.15 | $1,495.04 | $1,538.11 |
| 06/27/2037 | $181,105.21 | $3,033.15 | $1,482.56 | $1,550.59 |
| 07/27/2037 | $179,542.03 | $3,033.15 | $1,469.97 | $1,563.18 |
| 08/27/2037 | $177,966.16 | $3,033.15 | $1,457.28 | $1,575.87 |
| 09/27/2037 | $176,377.50 | $3,033.15 | $1,444.49 | $1,588.66 |
| 10/27/2037 | $174,775.95 | $3,033.15 | $1,431.60 | $1,601.55 |
| 11/27/2037 | $173,161.40 | $3,033.15 | $1,418.60 | $1,614.55 |
| 12/27/2037 | $171,533.75 | $3,033.15 | $1,405.49 | $1,627.66 |
| 01/27/2038 | $169,892.88 | $3,033.15 | $1,392.28 | $1,640.87 |
| 02/27/2038 | $168,238.69 | $3,033.15 | $1,378.96 | $1,654.19 |
| 03/27/2038 | $166,571.08 | $3,033.15 | $1,365.54 | $1,667.61 |
| 04/27/2038 | $164,889.93 | $3,033.15 | $1,352.00 | $1,681.15 |
| 05/27/2038 | $163,195.14 | $3,033.15 | $1,338.36 | $1,694.79 |
| 06/27/2038 | $161,486.59 | $3,033.15 | $1,324.60 | $1,708.55 |
| 07/27/2038 | $159,764.18 | $3,033.15 | $1,310.73 | $1,722.42 |
| 08/27/2038 | $158,027.78 | $3,033.15 | $1,296.75 | $1,736.40 |
| 09/27/2038 | $156,277.29 | $3,033.15 | $1,282.66 | $1,750.49 |
| 10/27/2038 | $154,512.59 | $3,033.15 | $1,268.45 | $1,764.70 |
| 11/27/2038 | $152,733.57 | $3,033.15 | $1,254.13 | $1,779.02 |
| 12/27/2038 | $150,940.11 | $3,033.15 | $1,239.69 | $1,793.46 |
| 01/27/2039 | $149,132.09 | $3,033.15 | $1,225.13 | $1,808.02 |
| 02/27/2039 | $147,309.39 | $3,033.15 | $1,210.46 | $1,822.69 |
| 03/27/2039 | $145,471.91 | $3,033.15 | $1,195.66 | $1,837.49 |
| 04/27/2039 | $143,619.50 | $3,033.15 | $1,180.75 | $1,852.40 |
| 05/27/2039 | $141,752.07 | $3,033.15 | $1,165.71 | $1,867.44 |
| 06/27/2039 | $139,869.47 | $3,033.15 | $1,150.55 | $1,882.59 |
| 07/27/2039 | $137,971.60 | $3,033.15 | $1,135.27 | $1,897.88 |
| 08/27/2039 | $136,058.32 | $3,033.15 | $1,119.87 | $1,913.28 |
| 09/27/2039 | $134,129.51 | $3,033.15 | $1,104.34 | $1,928.81 |
| 10/27/2039 | $132,185.04 | $3,033.15 | $1,088.68 | $1,944.46 |
| 11/27/2039 | $130,224.80 | $3,033.15 | $1,072.90 | $1,960.25 |
| 12/27/2039 | $128,248.64 | $3,033.15 | $1,056.99 | $1,976.16 |
| 01/27/2040 | $126,256.44 | $3,033.15 | $1,040.95 | $1,992.20 |
| 02/27/2040 | $124,248.07 | $3,033.15 | $1,024.78 | $2,008.37 |
| 03/27/2040 | $122,223.40 | $3,033.15 | $1,008.48 | $2,024.67 |
| 04/27/2040 | $120,182.30 | $3,033.15 | $992.05 | $2,041.10 |
| 05/27/2040 | $118,124.63 | $3,033.15 | $975.48 | $2,057.67 |
| 06/27/2040 | $116,050.26 | $3,033.15 | $958.78 | $2,074.37 |
| 07/27/2040 | $113,959.05 | $3,033.15 | $941.94 | $2,091.21 |
| 08/27/2040 | $111,850.87 | $3,033.15 | $924.97 | $2,108.18 |
| 09/27/2040 | $109,725.58 | $3,033.15 | $907.86 | $2,125.29 |
| 10/27/2040 | $107,583.03 | $3,033.15 | $890.61 | $2,142.54 |
| 11/27/2040 | $105,423.10 | $3,033.15 | $873.22 | $2,159.93 |
| 12/27/2040 | $103,245.64 | $3,033.15 | $855.68 | $2,177.47 |
| 01/27/2041 | $101,050.50 | $3,033.15 | $838.01 | $2,195.14 |
| 02/27/2041 | $98,837.54 | $3,033.15 | $820.19 | $2,212.96 |
| 03/27/2041 | $96,606.62 | $3,033.15 | $802.23 | $2,230.92 |
| 04/27/2041 | $94,357.60 | $3,033.15 | $784.12 | $2,249.03 |
| 05/27/2041 | $92,090.32 | $3,033.15 | $765.87 | $2,267.28 |
| 06/27/2041 | $89,804.64 | $3,033.15 | $747.47 | $2,285.68 |
| 07/27/2041 | $87,500.40 | $3,033.15 | $728.91 | $2,304.23 |
| 08/27/2041 | $85,177.46 | $3,033.15 | $710.21 | $2,322.94 |
| 09/27/2041 | $82,835.67 | $3,033.15 | $691.36 | $2,341.79 |
| 10/27/2041 | $80,474.87 | $3,033.15 | $672.35 | $2,360.80 |
| 11/27/2041 | $78,094.91 | $3,033.15 | $653.19 | $2,379.96 |
| 12/27/2041 | $75,695.63 | $3,033.15 | $633.87 | $2,399.28 |
| 01/27/2042 | $73,276.88 | $3,033.15 | $614.40 | $2,418.75 |
| 02/27/2042 | $70,838.49 | $3,033.15 | $594.76 | $2,438.39 |
| 03/27/2042 | $68,380.32 | $3,033.15 | $574.97 | $2,458.18 |
| 04/27/2042 | $65,902.19 | $3,033.15 | $555.02 | $2,478.13 |
| 05/27/2042 | $63,403.94 | $3,033.15 | $534.91 | $2,498.24 |
| 06/27/2042 | $60,885.42 | $3,033.15 | $514.63 | $2,518.52 |
| 07/27/2042 | $58,346.46 | $3,033.15 | $494.19 | $2,538.96 |
| 08/27/2042 | $55,786.89 | $3,033.15 | $473.58 | $2,559.57 |
| 09/27/2042 | $53,206.54 | $3,033.15 | $452.80 | $2,580.35 |
| 10/27/2042 | $50,605.26 | $3,033.15 | $431.86 | $2,601.29 |
| 11/27/2042 | $47,982.85 | $3,033.15 | $410.75 | $2,622.40 |
| 12/27/2042 | $45,339.16 | $3,033.15 | $389.46 | $2,643.69 |
| 01/27/2043 | $42,674.02 | $3,033.15 | $368.00 | $2,665.15 |
| 02/27/2043 | $39,987.24 | $3,033.15 | $346.37 | $2,686.78 |
| 03/27/2043 | $37,278.65 | $3,033.15 | $324.56 | $2,708.59 |
| 04/27/2043 | $34,548.08 | $3,033.15 | $302.58 | $2,730.57 |
| 05/27/2043 | $31,795.35 | $3,033.15 | $280.42 | $2,752.73 |
| 06/27/2043 | $29,020.27 | $3,033.15 | $258.07 | $2,775.08 |
| 07/27/2043 | $26,222.67 | $3,033.15 | $235.55 | $2,797.60 |
| 08/27/2043 | $23,402.36 | $3,033.15 | $212.84 | $2,820.31 |
| 09/27/2043 | $20,559.16 | $3,033.15 | $189.95 | $2,843.20 |
| 10/27/2043 | $17,692.88 | $3,033.15 | $166.87 | $2,866.28 |
| 11/27/2043 | $14,803.34 | $3,033.15 | $143.61 | $2,889.54 |
| 12/27/2043 | $11,890.35 | $3,033.15 | $120.15 | $2,913.00 |
| 01/27/2044 | $8,953.71 | $3,033.15 | $96.51 | $2,936.64 |
| 02/27/2044 | $5,993.23 | $3,033.15 | $72.67 | $2,960.47 |
| 03/27/2044 | $3,008.73 | $3,033.15 | $48.65 | $2,984.50 |
| 04/27/2044 | $0.00 | $3,033.15 | $24.42 | $3,008.73 |
| TOTAL: | - | $727,955.81 | $407,955.81 | $320,000.00 |
Change options for different scenario in the form below: