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You're never going to be completely accurate when predicting the future. Even if you could accurately model every aspect of this loan, so what? Any investment you buy will have unpredictable cashflows, especially if you go variable. The 15 year fixed suggests you prefer safety, which is fine...

If you need to calculate you cashflow so accurately to the point where a leapyear makes a difference, you're not ready. If suggests you're going to stick so close to your projections (which are inevitably wrong, because there are always surprises) that extra fees and repairs might sink you...

Why are you limiting yourself to what the loan allows? If you can in fact save more than 10k a year, refinance to a product that allows unlimited repayments. You're basically asking 'I want a complex spreadsheet to calculate the fastest way I can get to my destination considering my car only...