I have

If the loan amount is = 100000

and the loan term is = 10 years

and interest is = 5.8%

and i calculated fortnightly repayment as

P =(100000 * .0572275/26) / [1 - 1 / (1 + .0572275/26)^260] = ~505.52

But i am stuck here that how the balance at the end of the first year is solved = 92402

and similarly for second year = 84352????

plz help me !!!