RPN CalcSeries Investment Analysis - Rent or Buy - an Investment decision - this calculator performs WHAT-IF analysis for different user defined scenarios. It also calculates a yield on the investment, NCPR, … The analysis is based on:
KEY Features
· WHAT variables:
· ($) - Net Cash Proceeds upon Resale (NCPR) (**)
· (%y) - Yearly House Investment Yield (HIY) (*)
· ($) - Savings Final Balance (SFB) (*)
· IF variables;
· ($) - House Price
· (%y) - Yearly Appreciation Interest Rate
· Years in Investment (Y)
· (%) - Down Payment
· Mortgage Life
· (%y) - Mortgage Interest Rate
· (%m) - Monthly Property Taxes
· ($m) - Monthly Property Expenses / Improvements
· ($) - Closing Costs
· (%) - Resale Costs as a percentage of Marketing Value (MktV)
· ($) - Rent
· (%y) - Savings Interest Rate
· (%) - Tax Bracket (Federal plus State)
·All is visual - you don't have to memorize any key combination to access the calculator functionalities.
·Updates / upgrades are life-time free of charge
·Palm keyboard support
·5-way-navigation-buttons support
·320 x 320 / 320 x 480 high resolutions support
· user-friendly interface
· RPN stack display
· 60 independent storage registers
· examples are provided to teach using the calculator
- The calculated yield or rate of return may be compared with the yield obtained renting a residence and investing the down payment and monthly payment differences in a savings account or other investment opportunity. You can also compare the NCPR and the final balance of the savings account. Both comparisons should aid in determining whether to rent or buy.
- This program takes in account the tax advantages (Federal plus State) obtained by a home owner or property taxes and mortgage interest. Due to the complexities of tax laws and different financial and tax considerations for each individual, this program should only serve as a guide in considering an investment of this type.
· Remarks:
(*) - these items refer to the resale moment or the end of the investment period
(**) - the Net Cash Proceeds upon Resale (NCPR = sales price - commission - mortgage price) is the pre-tax proceeds. The program assumes that the buyer reinvests in like property and is not subject to capital gains tax.
($) - refer to a financial value
(%y) - refer to a yearly percentage
(%) - refer to a percentage value
(%m) - refer to a monthly percentage
($m) - refer to a monthly financial value
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Supported operating systems:
Palm OS 5.x
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