Mortgage amortization Table with different interst rates

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JavaSE

JavaSE6

Write a program that lets the user input a loan amount and starting annual interest rate
(not monthly interest rate), then display the monthly and total payments. Print a table that
displays the monthly and total payments for 4 interest rates, with an increment of ½
starting from the given starting interest rate for the years from 1 to 10 (if pay off the
mortgage in that number of years.)
The formula to compute the monthly payment is as follows:

monthlyPayment = (loanAmount * monthlyInterestRateAdd)/(1-Math.pow(1+monthlyInterestRateAdd,-12));

the output is to look like this:

Enter the loan amount: 10000
Enter the starting interest rate: 5.0
Years Interest Rate Monthly Payment Total Payment
1        5%           856.07           10272.89
         5.5%           858.36           10300.41
         6.0%         860.66           10327.97
         6.5%         862.96             10355.57
2        5%            438.71           10529.13
         5.5%          440.95           10582.95
         6.0%         443.2             10636.94
         6.5%         445.46            10691.1
… …
10          5%        106.06            12727.86
          5.5%        108.52            13023.15
          6.0%        111.02            13322.46
          6.5%        113.54            13625.75

My code looks like this:

import java.util.Scanner;
import java.text.NumberFormat;

public class MortgageCalculator {

    public static void main(String[] args) {
        // declare variables for main method
        double loanAmount;//double value loan amount 
        double annualInterestRate;//double value interest rate
        int loanDuration = 120;//int value for number of months 10 years
        double monthlyPayment, monthlyInterestRate, monthlyInterestRateAdd;
        double annualInterestRateAdd;
        //  double monthlyPaymentTotal = 0;
        double principle;
        
        int year = 1;
        Scanner keyboard = new Scanner(System.in);
        NumberFormat percent = NumberFormat.getPercentInstance();
        percent.setMaximumFractionDigits(3);
        NumberFormat currency = NumberFormat.getCurrencyInstance();
        currency.setMaximumFractionDigits(2);
        System.out.println("Please enter the amount of your loan.");
        loanAmount = keyboard.nextDouble();
        
        System.out.println("Please enter the annual interest rate as a decimal. Ex. 7.5% = .075");
        annualInterestRate = keyboard.nextDouble();
        monthlyInterestRate = (annualInterestRate/12);
        System.out.println("Year    Interest Rate   Monthly Payment         Total Payment" );
        // double monthlyPaymentTotal;
        while (year < 11)
        {
            annualInterestRateAdd = annualInterestRate;
            monthlyInterestRateAdd = monthlyInterestRate;
            System.out.print(year);
            double monthlyPaymentTotal = 0; 
            for (int i = 1; i < 5; i += 1)
            {  
                System.out.print("\t"+ percent.format(annualInterestRateAdd));
                monthlyPayment = (loanAmount * monthlyInterestRateAdd)/(1-Math.pow(1+monthlyInterestRateAdd,-12));              
                System.out.print("\t\t"+ currency.format(monthlyPayment));
                monthlyPaymentTotal = monthlyPayment*12;
                System.out.println("\t\t\t" + currency.format(monthlyPaymentTotal));
                annualInterestRateAdd += .005;
                monthlyInterestRateAdd += monthlyInterestRate/12;
            }
            
            loanAmount = (loanAmount + (1+ monthlyInterestRate))- monthlyPaymentTotal ;   
            
            year += 1;
        }
    }
}

I canot get the subsequent years to cary the Totals and reduce the monthly payments and increase the total amount paid on the far right column any help is appreciated.