204K Loan Payoff Graph

I just wanted to share a graph I recently built. I used finance.js (with tweaks, this can be found in my github repo).

The payments/interest,etc are all based on a loan of 204,800 with 4.5% at a 360 month loan (30 years).

I iterated through extra payments ranging from $0-$204,800 , however the graph flattens terribly, so I removed quite a few datapoints and show you the below. This is the range of payments from 0 to 10,000 extra a month, now clearly you wouldn't be paying 10K a month extra but I just wanted to make it obvious that just adding extra payments helps a lot it decays exponentially, but even small amounts net you big wins.



What I this chart tells us is that the difference in interest we save by making an extra $1000 a month payment vs a $3300 a month payment is about 31K, which to be fair is quite a bit, but in contrast the difference between an extra $500 and $1000 is about 26K, so you need to pay nearly exponentially (to a maximum) amount to improve your interest reduction over the life of the loan (clearly never taking a loan will save you money, but you would have to pay the loan the first day within the first smallest unit of time to accrue the smallest amount of interest, which would still not be 0).

EDIT:
Even more awesome, the difference of not paying extra and paying $500 extra a month is nearly 90K in interest..... thats a lot of change

Also the above graph is very similar to my last post but with more data to think about.
Extra Payments | Interest Saved:
0    0
100    31899.0253591402
200    53174.336807235
300    68502.370986308
400    80123.5001343135
500    89262.4827390045
600    96650.7126879693
700    102754.285037028
800    107885.551654743
900    112263.275018666
1000    116042.431216533
1100    119340.653830618
1200    122243.040919221
1300    124818.681888396
1400    127120.652481836
1500    129188.836046827
1600    131059.536893338
1700    132758.303299348
1800    134307.346171495
1900    135728.402567698
2000    137033.908384112
2100    138239.655204327
2200    139353.82667872
2300    140390.062724542
2400    141353.237802147
2500    142252.894075684
2600    143094.401651035
2700    143883.076315226
2800    144624.180047961
2900    145322.921528533
3000    145978.927437695
3100    146600.687453604
3200    147187.12681828
3300    147745.090514619