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
Like it? Share with your friends!
Supported operating systems:
Palm OS 5.x
Other Software by developer «MC&PH Mobile Computing»:
RPN CalcSeries Poly-Math Calculator RPN CalcSeries Poly-Math Calculator - This calculator solves polynomial equations with real coefficients of degree 5 and below. All roots (REAL and COMPLEX), maximum/minimum and inflection points are also calculated. The polynomial itself, its first and second derivatives can be plotted in GRAPHS or displayed in LISTS
RPN CalcSeries Free Vibrations RPN CalcSeries Free Vibrations - Brief Descripition
· This program provides an exact solution to the differential equation for a damped oscillator vibrating freely: mx" + cx" + kx = 0.
The user inputs the mass m, spring constant k, and damping constant c. The initial conditions are the displacement and velocity at time zero (x0 and x'0)
RPN CalcSeries Date & Time and Tip Calculator RPN CalcSeries Date & Time and Tip Calculator - Brief Descripition
A full featured Date & Time, Tip and Arithmetic high resolution calculator. Ideal for Real Estate, Medical, Financial, ..
RPN CalcSeries Basic Conversion and Mathematics RPN CalcSeries Basic Conversion and Mathematics - Actually, this a two in one calculator - a basic conversion and a mathematics calculator. You switch from one calculator to the other just tapping the Calculator Status Key
KEY Features:
· Units to be converted are classified in two main groups:
Group 1 -> linear, area, volume and weight
Curve Fitting and Polynomial Interpolation This program performs curve fitting & interpolation by using polynomial approximation, in the least squares sense, for any discrete function. Polynomial degree can range between 1 and 9
RPN CAlcSeries Statistics - Distribution Functions RPN CAlcSeries Statistics - Distribution Functions - This program evaluates distribution functions and their respective integral or cumulative distribution functions for NORMAL, NORMAL INVERSE, CHI-SQUARE, t-STUDENT and F-SNEDECOR. The result can be a single value, a GRAPH or a LIST
RPN CAlcSeries Value of Money, Bond and Depreciation RPN CAlcSeries Value of Money, Bond and Depreciation - emulates the respective functionalities of HP-12C Programmable Financial Calculator (HP-12C is a trademark of Hewlett Packard Co.), with some extra features.
KEY Features
· This calculator does not deal with cash flow, mathematics, statistics and date calculation
Cantilever Beams Calculator Cantilever Beams Calculator - This program calculates deflection, slope, moment and shear at any specified point along a rigidly fixed, cantilever beam of uniform cross section. The calculation could be a single point calculation or a diagram for the entire beam. Distributed loads, point loads, applied moments or combinations of all three may be modeled
