Are my calculations correct? If not, what went wrong? My payment formula is =PMT(D5/12,D7,D3,0). These are pictures of the beginning and end.

Loan: $10,000 Rate: 10.5% Term: 60 Payment: ($214.94) Month 1 2 3 4 5 4 5 6 7 8 9 10 9 Begin $10,000.00 $9,872.56 $9,744.00 $9,614.32 $9,483.51 $9,351.55 $9,218.44 $9,084.16 $8,948.70 $8,812.07 $8,674.23 $8,535.19 $8,394.93 $8,253.45 $8,110.73 $7,966.76 $7,821.53 $7,675.02 Payment $214.94 $214.94 $214.94 $214.94 $214.94 $214.94 $214.94 $214.94 $214.94 $214.94 $214.94 $214.94 $214.94 $214.94 $214.94 $214.94 $214.94 $214.94 Interest Principal $87.50 $127.44 $86.38 $128.56 $85.26 $129.68 $84.13 $130.81 $82.98 $131.96 $81.83 $133.11 $80.66 $134.28 $79.49 $135.45 $78.30 $136.64 $77.11 $137.83 $75.90 $139.04 $74.68 $140.26 $73.46 $141.48 $72.22 $142.72 $70.97 $143.97 $69.71 $145.23 $68.44 $146.50 $67.16 $147.78 Balance $9,872.56 $9,744.00 $9,614.31 $9,483.51 $9,351.55 $9,218.44 $9,084.16 $8,948.70 $8,812.07 $8,674.23 $8,535.19 $8,394.93 $8,253.45 $8,110.73 $7,966.76 $7,821.53 $7,675.02 $7,527.24 11 12 13 14 15 16 17 18 36 37 38 39 40 41 42 43 4 45 46 47 48 $4,807.53 4,634.66 4.460.27 4,284.36 4. 106.91 $3,927.90 $3,747.33 $3,565.18 $3,381.44 $3,196.08 $3,009.11 $2,820.50 $2,630.24 $2,438.31 $2,244.71 $2,049.41 $1,852.40 $1,653.67 $1,453.20 $1,250.97 $1,046.98 $841.20 $633.62 $424.23 $213.00 5214.94 $214.94 5214.94 5214.94 $214.94 5214.94 $214.94 5214.94 $214.94 $214.94 $214.94 $214.94 $214.94 $214.94 $214.94 $214.94 $214.94 $214.94 5214.94 5214.94 $214.94 $214.94 $214.94 $214.94 $214.94 42.07 S40.55 $39.03 37.49 $35.94 534.37 $32.79 531.20 $29.59 $27.97 $26.33 $24.68 $23.01 $21,34 $19.64 $17.93 $16.21 $14.47 $12.72 $10.95 59.16 $7.36 $5.54 3.71 $1.86 $172.87 $174.39 $175.91 $17.45 $179.00 $180.57 $182.15 $183.74 $185.35 $186.97 $188.61 $190.26 $191.93 $193.60 | $195.30 5197.01 | $198.73 $200.47 S202.22 $203.99 $205.78 $207.58 $209.40 $211.23 $213.08 4,634.66 4,460.27 4,284.36 4,106.91 $3,927.90 $3,747.33 $3,565.18 $3,381.44 $3,196.08 $3,009.11 $2,820.50 $2,630.24 $2,438.31 $2,244.71 $2,049.41 $1,852.40 $1,653.67 $1,453.20 $1,250.97 $1,046.98 $841.20 S633.62 424.23 $213.00 -SO.08 49 50 51 52 53 4 55 56 57 58 59 60