finance
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CARCASE.xlscar calculation
| FILL IN THE SHADED BLOCKS BELOW WITH THE APPROPRIATE INFORMATION | |||||||||||||||
| 36 Month Purchasse | Lease vs Outright Buy | Lease vs intsallment payments | |||||||||||||
| 36 | 36 | ||||||||||||||
| cost of car | - 0 | Interest | 0.0025 | 0.0025 | |||||||||||
| sales tax % | 0 | ||||||||||||||
| 1 | - 0 | - 0 | - 0 | - 0 | 538.62 | (538.62) | - 0 | 538.62 | - 0 | 37.6205603091 | - 0 | ||||
| - 0 | 2 | - 0 | - 0 | - 0 | -539.96655 | 538.62 | (1,078.59) | - 0 | 538.62 | 17,886.44 | |||||
| transfer fees | - 0 | 3 | - 0 | - 0 | - 0 | -1081.283016375 | 538.62 | (1,619.90) | - 0 | 538.62 | - 0 | ||||
| 4 | - 0 | - 0 | - 0 | -1623.9527739159 | 538.62 | (2,162.57) | - 0 | 538.62 | |||||||
| - 0 | 5 | - 0 | - 0 | - 0 | -2167.9792058507 | 538.62 | (2,706.60) | - 0 | 538.62 | ||||||
| number of monthly payments | 0 | 6 | - 0 | - 0 | - 0 | -2713.3657038654 | 538.62 | (3,251.99) | - 0 | 538.62 | |||||
| - 0 | 7 | - 0 | - 0 | - 0 | -3260.115668125 | 538.62 | (3,798.74) | - 0 | 538.62 | ||||||
| 8 | - 0 | - 0 | - 0 | -3808.2325072953 | 538.62 | (4,346.85) | - 0 | 538.62 | |||||||
| 9 | - 0 | - 0 | - 0 | -4357.7196385636 | 538.62 | (4,896.34) | - 0 | 538.62 | |||||||
| 10 | - 0 | - 0 | - 0 | -4908.58048766 | 538.62 | (5,447.20) | - 0 | 538.62 | |||||||
| 11 | - 0 | - 0 | - 0 | -5460.8184888791 | 538.62 | (5,999.44) | - 0 | 538.62 | |||||||
| 12 | - 0 | - 0 | - 0 | -6014.4370851013 | 538.62 | (6,553.06) | - 0 | 538.62 | |||||||
| 13 | - 0 | - 0 | - 0 | -6569.4397278141 | 538.62 | (7,108.06) | - 0 | 538.62 | |||||||
| 14 | - 0 | - 0 | - 0 | -7125.8298771336 | 538.62 | (7,664.45) | - 0 | 538.62 | |||||||
| 15 | - 0 | - 0 | - 0 | -7683.6110018264 | 538.62 | (8,222.23) | - 0 | 538.62 | |||||||
| 16 | - 0 | - 0 | - 0 | -8242.786579331 | 538.62 | (8,781.41) | - 0 | 538.62 | |||||||
| 17 | - 0 | - 0 | - 0 | -8803.3600957793 | 538.62 | (9,341.98) | - 0 | 538.62 | |||||||
| 18 | - 0 | - 0 | - 0 | -9365.3350460188 | 538.62 | (9,903.96) | - 0 | 538.62 | |||||||
| 19 | - 0 | - 0 | - 0 | -9928.7149336338 | 538.62 | (10,467.33) | - 0 | 538.62 | |||||||
| 20 | - 0 | - 0 | - 0 | -10493.5032709679 | 538.62 | (11,032.12) | - 0 | 538.62 | |||||||
| 21 | - 0 | - 0 | - 0 | -11059.7035791453 | 538.62 | (11,598.32) | - 0 | 538.62 | |||||||
| 22 | - 0 | - 0 | - 0 | -11627.3193880932 | 538.62 | (12,165.94) | - 0 | 538.62 | |||||||
| 23 | - 0 | - 0 | - 0 | -12196.3542365634 | 538.62 | (12,734.97) | - 0 | 538.62 | |||||||
| 24 | - 0 | - 0 | - 0 | -12766.8116721548 | 538.62 | (13,305.43) | - 0 | 538.62 | |||||||
| 25 | - 0 | - 0 | - 0 | -13338.6952513352 | 538.62 | (13,877.32) | - 0 | 538.62 | |||||||
| 26 | - 0 | - 0 | - 0 | -13912.0085394636 | 538.62 | (14,450.63) | - 0 | 538.62 | |||||||
| 27 | - 0 | - 0 | - 0 | -14486.7551108122 | 538.62 | (15,025.38) | - 0 | 538.62 | |||||||
| 28 | - 0 | - 0 | - 0 | -15062.9385485893 | 538.62 | (15,601.56) | - 0 | 538.62 | |||||||
| 29 | - 0 | - 0 | - 0 | -15640.5624449607 | 538.62 | (16,179.18) | - 0 | 538.62 | |||||||
| 30 | - 0 | - 0 | - 0 | -16219.6304010731 | 538.62 | (16,758.25) | - 0 | 538.62 | |||||||
| 31 | - 0 | - 0 | - 0 | -16800.1460270758 | 538.62 | (17,338.77) | - 0 | 538.62 | |||||||
| 32 | - 0 | - 0 | - 0 | -17382.1129421435 | 538.62 | (17,920.73) | - 0 | 538.62 | 37276.811 | ||||||
| 33 | - 0 | - 0 | - 0 | -17965.5347744989 | 538.62 | (18,504.15) | - 0 | 538.62 | - 0 | ||||||
| 34 | - 0 | - 0 | - 0 | -18550.4151614351 | 538.62 | (19,089.04) | - 0 | 538.62 | - 0 | ||||||
| 35 | - 0 | - 0 | - 0 | -19136.7577493387 | 538.62 | (19,675.38) | - 0 | 538.62 | |||||||
| 36 | - 0 | - 0 | - 0 | -19724.566193712 | 538.62 | (20,263.19) | - 0 | 538.62 | |||||||
| - 0 | lease costs | 19390.32 | |||||||||||||
| Buy option | 15458.95 | 24824.0064 | |||||||||||||
| - 0 | 1500 | 538.62 | |||||||||||||
| 927.537 | 24285.3864 | ||||||||||||||
| 17,886.49 | (20,263.19) | ||||||||||||||
| 37,276.81 | |||||||||||||||
| 75,426.48 | 38,149.67 | ||||||||||||||
| 1) out right purchase | - 0 | ||||||||||||||
| 2) installment purchase | - 0 | ||||||||||||||
| 3) lease vs. out right purchase | 75,426.48 | ||||||||||||||
| 4)lease vs installment puchase | - 0 |
table
| annual interest rate in decimals | 3 | ||||||
| number of copmpound periods | 1 through 12 | 12 | |||||
| monthly % | 0.0025 | ||||||
| PERIOD | Future value of present amount | Present value of a future amount | Future value of an annuity | Present value of the annuity | |||
| 1 | 1.0025 | 0.9975062344 | 1 | 0.9975062344 | |||
| 2 | 1.00500625 | 0.9950186877 | 2.0025 | 1.9925249221 | |||
| 3 | 1.0075187656 | 0.9925373443 | 3.00750625 | 2.9850622664 | |||
| 4 | 1.0100375625 | 0.9900621889 | 4.0150250156 | 3.9751244553 | |||
| 5 | 1.0125626564 | 0.9875932058 | 5.0250625782 | 4.9627176612 | |||
| 6 | 1.0150940631 | 0.9851303799 | 6.0376252346 | 5.947848041 | |||
| 7 | 1.0176317982 | 0.9826736957 | 7.0527192977 | 6.9305217367 | |||
| 8 | 1.0201758777 | 0.9802231378 | 8.0703510959 | 7.9107448745 | |||
| 9 | 1.0227263174 | 0.9777786911 | 9.0905269737 | 8.8885235656 | |||
| 10 | 1.0252831332 | 0.9753403402 | 10.1132532911 | 9.8638639058 | |||
| 11 | 1.0278463411 | 0.9729080701 | 11.1385364243 | 10.8367719759 | |||
| 12 | 1.0304159569 | 0.9704818654 | 12.1663827654 | 11.8072538413 | |||
| 13 | 1.0329919968 | 0.9680617111 | 13.1967987223 | 12.7753155524 | |||
| 14 | 1.0355744768 | 0.9656475921 | 14.2297907191 | 13.7409631446 | |||
| 15 | 1.038163413 | 0.9632394934 | 15.2653651959 | 14.704202638 | |||
| 16 | 1.0407588215 | 0.9608373999 | 16.3035286089 | 15.6650400379 | |||
| 17 | 1.0433607186 | 0.9584412967 | 17.3442874304 | 16.6234813345 | |||
| 18 | 1.0459691204 | 0.9560511687 | 18.387648149 | 17.5795325033 | |||
| 19 | 1.0485840432 | 0.9536670012 | 19.4336172694 | 18.5331995045 | |||
| 20 | 1.0512055033 | 0.9512887793 | 20.4822013126 | 19.4844882838 | |||
| 21 | 1.053833517 | 0.9489164881 | 21.5334068158 | 20.4334047719 | |||
| 22 | 1.0564681008 | 0.9465501128 | 22.5872403329 | 21.3799548847 | |||
| 23 | 1.0591092711 | 0.9441896387 | 23.6437084337 | 22.3241445234 | |||
| 24 | 1.0617570443 | 0.9418350511 | 24.7028177048 | 23.2659795744 | |||
| 25 | 1.0644114369 | 0.9394863352 | 25.7645747491 | 24.2054659096 | |||
| 26 | 1.0670724655 | 0.9371434765 | 26.8289861859 | 25.1426093862 | |||
| 27 | 1.0697401466 | 0.9348064604 | 27.8960586514 | 26.0774158466 | |||
| 28 | 1.072414497 | 0.9324752722 | 28.965798798 | 27.0098911188 | |||
| 29 | 1.0750955332 | 0.9301498975 | 30.038213295 | 27.9400410162 | |||
| 30 | 1.0777832721 | 0.9278303217 | 31.1133088283 | 28.8678713379 | |||
| 31 | 1.0804777303 | 0.9255165303 | 32.1910921003 | 29.7933878682 | |||
| 32 | 1.0831789246 | 0.9232085091 | 33.2715698306 | 30.7165963773 | |||
| 33 | 1.0858868719 | 0.9209062434 | 34.3547487551 | 31.6375026207 | |||
| 34 | 1.0886015891 | 0.9186097192 | 35.440635627 | 32.5561123399 | |||
| 35 | 1.091323093 | 0.9163189218 | 36.5292372161 | 33.4724312617 | |||
| 36 | 1.0940514008 | 0.9140338373 | 37.6205603091 | 34.386465099 | |||
| 37 | 1.0967865293 | 0.9117544511 | 38.7146117099 | 35.2982195501 | |||
| 38 | 1.0995284956 | 0.9094807493 | 39.8113982392 | 36.2077002993 | |||
| 39 | 1.1022773168 | 0.9072127175 | 40.9109267348 | 37.1149130168 | |||
| 40 | 1.1050330101 | 0.9049503416 | 42.0132040516 | 38.0198633584 | |||
| 41 | 1.1077955927 | 0.9026936076 | 43.1182370618 | 38.922556966 | |||
| 42 | 1.1105650816 | 0.9004425013 | 44.2260326544 | 39.8229994673 | |||
| 43 | 1.1133414943 | 0.8981970088 | 45.336597736 | 40.7211964761 | |||
| 44 | 1.1161248481 | 0.895957116 | 46.4499392304 | 41.6171535921 | |||
| 45 | 1.1189151602 | 0.893722809 | 47.5660640785 | 42.5108764011 | |||
| 46 | 1.1217124481 | 0.8914940738 | 48.6849792387 | 43.402370475 | |||
| 47 | 1.1245167292 | 0.8892708966 | 49.8066916868 | 44.2916413715 | |||
| 48 | 1.127328021 | 0.8870532634 | 50.931208416 | 45.1786946349 | |||
| 49 | 1.1301463411 | 0.8848411605 | 52.058536437 | 46.0635357955 | |||
| 50 | 1.1329717069 | 0.8826345741 | 53.1886827781 | 46.9461703695 | |||
| 51 | 1.1358041362 | 0.8804334904 | 54.3216544851 | 47.8266038599 | |||
| 52 | 1.1386436466 | 0.8782378956 | 55.4574586213 | 48.7048417555 | |||
| 53 | 1.1414902557 | 0.8760477762 | 56.5961022678 | 49.5808895317 | |||
| 54 | 1.1443439813 | 0.8738631184 | 57.7375925235 | 50.45475265 | |||
| 55 | 1.1472048413 | 0.8716839086 | 58.8819365048 | 51.3264365586 | |||
| 56 | 1.1500728534 | 0.8695101333 | 60.0291413461 | 52.1959466919 | |||
| 57 | 1.1529480355 | 0.8673417788 | 61.1792141994 | 53.0632884707 | |||
| 58 | 1.1558304056 | 0.8651788317 | 62.3321622349 | 53.9284673025 | |||
| 59 | 1.1587199816 | 0.8630212785 | 63.4879926405 | 54.791488581 | |||
| 60 | 1.1616167816 | 0.8608691058 | 64.6467126221 | 55.6523576868 | |||
| 61 | 1.1645208235 | 0.8587223 | 65.8083294037 | 56.5110799868 | |||
| 62 | 1.1674321256 | 0.8565808479 | 66.9728502272 | 57.3676608348 | |||
| 63 | 1.1703507059 | 0.8544447361 | 68.1402823527 | 58.2221055708 | |||
| 64 | 1.1732765826 | 0.8523139512 | 69.3106330586 | 59.074419522 | |||
| 65 | 1.1762097741 | 0.85018848 | 70.4839096413 | 59.924608002 | |||
| 66 | 1.1791502985 | 0.8480683092 | 71.6601194154 | 60.7726763112 | |||
| 67 | 1.1820981743 | 0.8459534257 | 72.8392697139 | 61.6186297369 | |||
| 68 | 1.1850534197 | 0.8438438161 | 74.0213678882 | 62.462473553 | |||
| 69 | 1.1880160533 | 0.8417394674 | 75.2064213079 | 63.3042130205 | |||
| 70 | 1.1909860934 | 0.8396403665 | 76.3944373612 | 64.143853387 | |||
| 71 | 1.1939635586 | 0.8375465003 | 77.5854234546 | 64.9813998873 | |||
| 72 | 1.1969484675 | 0.8354578556 | 78.7793870132 | 65.8168577429 | |||
| 73 | 1.1999408387 | 0.8333744196 | 79.9763354808 | 66.6502321625 | |||
| 74 | 1.2029406908 | 0.8312961791 | 81.1762763195 | 67.4815283417 | |||
| 75 | 1.2059480425 | 0.8292231213 | 82.3792170103 | 68.310751463 | |||
| 76 | 1.2089629126 | 0.8271552333 | 83.5851650528 | 69.1379066963 | |||
| 77 | 1.2119853199 | 0.825092502 | 84.7941279654 | 69.9629991983 | |||
| 78 | 1.2150152832 | 0.8230349147 | 86.0061132853 | 70.786034113 | |||
| 79 | 1.2180528214 | 0.8209824586 | 87.2211285685 | 71.6070165716 | |||
| 80 | 1.2210979535 | 0.8189351208 | 88.43918139 | 72.4259516923 | |||
| 81 | 1.2241506984 | 0.8168928885 | 89.6602793434 | 73.2428445809 | |||
| 82 | 1.2272110751 | 0.8148557492 | 90.8844300418 | 74.05770033 | |||
| 83 | 1.2302791028 | 0.81282369 | 92.1116411169 | 74.87052402 | |||
| 84 | 1.2333548005 | 0.8107966982 | 93.3419202197 | 75.6813207182 | |||
| 85 | 1.2364381876 | 0.8087747613 | 94.5752750202 | 76.4900954795 | |||
| 86 | 1.239529283 | 0.8067578666 | 95.8117132078 | 77.2968533461 | |||
| 87 | 1.2426281062 | 0.8047460016 | 97.0512424908 | 78.1015993478 | |||
| 88 | 1.2457346765 | 0.8027391537 | 98.293870597 | 78.9043385015 | |||
| 89 | 1.2488490132 | 0.8007373105 | 99.5396052735 | 79.705075812 | |||
| 90 | 1.2519711357 | 0.7987404593 | 100.7884542867 | 80.5038162713 | |||
| 91 | 1.2551010636 | 0.7967485879 | 102.0404254224 | 81.3005648592 | |||
| 92 | 1.2582388162 | 0.7947616836 | 103.295526486 | 82.0953265428 | |||
| 93 | 1.2613844133 | 0.7927797343 | 104.5537653022 | 82.8881062771 | |||
| 94 | 1.2645378743 | 0.7908027275 | 105.8151497155 | 83.6789090046 | |||
| 95 | 1.267699219 | 0.7888306509 | 107.0796875898 | 84.4677396555 | |||
| 96 | 1.270868467 | 0.7868634921 | 108.3473868087 | 85.2546031476 | |||
| 97 | 1.2740456382 | 0.784901239 | 109.6182552757 | 86.0395043866 | |||
| 98 | 1.2772307523 | 0.7829438793 | 110.8923009139 | 86.822448266 | |||
| 99 | 1.2804238292 | 0.7809914008 | 112.1695316662 | 87.6034396668 | |||
| 100 | 1.2836248887 | 0.7790437914 | 113.4499554954 | 88.3824834581 | |||
| 101 | 1.286833951 | 0.7771010388 | 114.7335803841 | 89.1595844969 | |||
| 102 | 1.2900510358 | 0.7751631309 | 116.0204143351 | 89.9347476278 | |||
| 103 | 1.2932761634 | 0.7732300558 | 117.3104653709 | 90.7079776836 | |||
| 104 | 1.2965093538 | 0.7713018013 | 118.6037415344 | 91.4792794849 | |||
| 105 | 1.2997506272 | 0.7693783554 | 119.9002508882 | 92.2486578403 | |||
| 106 | 1.3030000038 | 0.7674597061 | 121.2000015154 | 93.0161175464 | |||
| 107 | 1.3062575038 | 0.7655458415 | 122.5030015192 | 93.781663388 | |||
| 108 | 1.3095231476 | 0.7636367497 | 123.809259023 | 94.5453001376 | |||
| 109 | 1.3127969554 | 0.7617324186 | 125.1187821706 | 95.3070325562 | |||
| 110 | 1.3160789478 | 0.7598328365 | 126.431579126 | 96.0668653928 | |||
| 111 | 1.3193691452 | 0.7579379915 | 127.7476580738 | 96.8248033843 | |||
| 112 | 1.322667568 | 0.7560478719 | 129.067027219 | 97.5808512562 | |||
| 113 | 1.325974237 | 0.7541624657 | 130.389694787 | 98.3350137219 | |||
| 114 | 1.3292891726 | 0.7522817613 | 131.715669024 | 99.0872954831 | |||
| 115 | 1.3326123955 | 0.7504057469 | 133.0449581966 | 99.8377012301 | |||
| 116 | 1.3359439265 | 0.7485344109 | 134.377570592 | 100.586235641 | |||
| 117 | 1.3392837863 | 0.7466677415 | 135.7135145185 | 101.3329033825 | |||
| 118 | 1.3426319958 | 0.7448057272 | 137.0527983048 | 102.0777091097 | |||
| 119 | 1.3459885758 | 0.7429483563 | 138.3954303006 | 102.8206574661 | |||
| 120 | 1.3493535472 | 0.7410956173 | 139.7414188763 | 103.5617530834 | |||
| 121 | 1.3527269311 | 0.7392474985 | 141.0907724235 | 104.3010005819 | |||
| 122 | 1.3561087484 | 0.7374039886 | 142.4434993546 | 105.0384045705 | |||
| 123 | 1.3594990203 | 0.7355650759 | 143.799608103 | 105.7739696464 | |||
| 124 | 1.3628977678 | 0.733730749 | 145.1591071232 | 106.5077003954 | |||
| 125 | 1.3663050122 | 0.7319009965 | 146.522004891 | 107.2396013919 | |||
| 126 | 1.3697207748 | 0.730075807 | 147.8883099033 | 107.9696771989 | |||
| 127 | 1.3731450767 | 0.7282551691 | 149.258030678 | 108.697932368 | |||
| 128 | 1.3765779394 | 0.7264390714 | 150.6311757547 | 109.4243714394 | |||
| 129 | 1.3800193842 | 0.7246275026 | 152.0077536941 | 110.148998942 | |||
| 130 | 1.3834694327 | 0.7228204515 | 153.3877730783 | 110.8718193935 | |||
| 131 | 1.3869281063 | 0.7210179067 | 154.771242511 | 111.5928373003 | |||
| 132 | 1.3903954265 | 0.7192198571 | 156.1581706173 | 112.3120571574 | |||
| 133 | 1.3938714151 | 0.7174262914 | 157.5485660439 | 113.0294834488 | |||
| 134 | 1.3973560936 | 0.7156371984 | 158.942437459 | 113.7451206472 | |||
| 135 | 1.4008494839 | 0.713852567 | 160.3397935526 | 114.4589732141 | |||
| 136 | 1.4043516076 | 0.712072386 | 161.7406430365 | 115.1710456001 | |||
| 137 | 1.4078624866 | 0.7102966444 | 163.1449946441 | 115.8813422445 | |||
| 138 | 1.4113821428 | 0.7085253311 | 164.5528571307 | 116.5898675756 | |||
| 139 | 1.4149105982 | 0.706758435 | 165.9642392735 | 117.2966260105 | |||
| 140 | 1.4184478747 | 0.7049959451 | 167.3791498717 | 118.0016219557 | |||
| 141 | 1.4219939944 | 0.7032378505 | 168.7975977464 | 118.7048598061 | |||
| 142 | 1.4255489794 | 0.7014841401 | 170.2195917407 | 119.4063439463 | |||
| 143 | 1.4291128518 | 0.6997348031 | 171.6451407201 | 120.1060787494 | |||
| 144 | 1.4326856339 | 0.6979898286 | 173.0742535719 | 120.804068578 | |||
| 145 | 1.436267348 | 0.6962492055 | 174.5069392058 | 121.5003177835 | |||
| 146 | 1.4398580164 | 0.6945129232 | 175.9432065538 | 122.1948307067 | |||
| 147 | 1.4434576614 | 0.6927809708 | 177.3830645702 | 122.8876116775 | |||
| 148 | 1.4470663056 | 0.6910533375 | 178.8265222317 | 123.578665015 | |||
| 149 | 1.4506839713 | 0.6893300124 | 180.2735885372 | 124.2679950274 | |||
| 150 | 1.4543106813 | 0.687610985 | 181.7242725086 | 124.9556060124 | |||
| 151 | 1.457946458 | 0.6858962444 | 183.1785831899 | 125.6415022568 | |||
| 152 | 1.4615913241 | 0.6841857799 | 184.6365296478 | 126.3256880367 | |||
| 153 | 1.4652453024 | 0.682479581 | 186.0981209719 | 127.0081676176 | |||
| 154 | 1.4689084157 | 0.6807776369 | 187.5633662744 | 127.6889452545 | |||
| 155 | 1.4725806867 | 0.679079937 | 189.0322746901 | 128.3680251915 | |||
| 156 | 1.4762621384 | 0.6773864708 | 190.5048553768 | 129.0454116624 | |||
| 157 | 1.4799527938 | 0.6756972278 | 191.9811175152 | 129.7211088901 | |||
| 158 | 1.4836526758 | 0.6740121973 | 193.461070309 | 130.3951210874 | |||
| 159 | 1.4873618075 | 0.6723313689 | 194.9447229848 | 131.0674524563 | |||
| 160 | 1.491080212 | 0.670654732 | 196.4320847923 | 131.7381071883 | |||
| 161 | 1.4948079125 | 0.6689822763 | 197.9231650042 | 132.4070894646 | |||
| 162 | 1.4985449323 | 0.6673139914 | 199.4179729167 | 133.074403456 | |||
| 163 | 1.5022912946 | 0.6656498667 | 200.916517849 | 133.7400533227 | |||
| 164 | 1.5060470229 | 0.663989892 | 202.4188091437 | 134.4040432147 | |||
| 165 | 1.5098121404 | 0.6623340568 | 203.9248561665 | 135.0663772715 | |||
| 166 | 1.5135866708 | 0.6606823509 | 205.4346683069 | 135.7270596224 | |||
| 167 | 1.5173706374 | 0.659034764 | 206.9482549777 | 136.3860943865 | |||
| 168 | 1.521164064 | 0.6573912858 | 208.4656256151 | 137.0434856723 | |||
| 169 | 1.5249669742 | 0.6557519061 | 209.9867896792 | 137.6992375783 | |||
| 170 | 1.5287793916 | 0.6541166145 | 211.5117566534 | 138.3533541928 | |||
| 171 | 1.5326013401 | 0.652485401 | 213.040536045 | 139.0058395939 | |||
| 172 | 1.5364328435 | 0.6508582554 | 214.5731373851 | 139.6566978492 | |||
| 173 | 1.5402739256 | 0.6492351675 | 216.1095702286 | 140.3059330167 | |||
| 174 | 1.5441246104 | 0.6476161271 | 217.6498441542 | 140.9535491438 | |||
| 175 | 1.5479849219 | 0.6460011243 | 219.1939687645 | 141.5995502682 | |||
| 176 | 1.5518548842 | 0.644390149 | 220.7419536865 | 142.2439404171 | |||
| 177 | 1.5557345214 | 0.642783191 | 222.2938085707 | 142.8867236081 | |||
| 178 | 1.5596238577 | 0.6411802404 | 223.8495430921 | 143.5279038485 | |||
| 179 | 1.5635229174 | 0.6395812872 | 225.4091669498 | 144.1674851356 | |||
| 180 | 1.5674317247 | 0.6379863214 | 226.9726898672 | 144.805471457 | |||
| 181 | 1.571350304 | 0.636395333 | 228.5401215919 | 145.44186679 | |||
| 182 | 1.5752786797 | 0.6348083122 | 230.1114718959 | 146.0766751023 | |||
| 183 | 1.5792168764 | 0.6332252491 | 231.6867505756 | 146.7099003514 | |||
| 184 | 1.5831649186 | 0.6316461338 | 233.265967452 | 147.3415464852 | |||
| 185 | 1.5871228309 | 0.6300709564 | 234.8491323707 | 147.9716174416 | |||
| 186 | 1.591090638 | 0.6284997071 | 236.4362552016 | 148.6001171487 | |||
| 187 | 1.5950683646 | 0.6269323762 | 238.0273458396 | 149.2270495249 | |||
| 188 | 1.5990560355 | 0.6253689538 | 239.6224142042 | 149.8524184787 | |||
| 189 | 1.6030536756 | 0.6238094302 | 241.2214702397 | 150.4762279089 | |||
| 190 | 1.6070613098 | 0.6222537957 | 242.8245239153 | 151.0984817047 | |||
| 191 | 1.6110789631 | 0.6207020406 | 244.4315852251 | 151.7191837453 | |||
| 192 | 1.6151066605 | 0.6191541552 | 246.0426641881 | 152.3383379005 | |||
| 193 | 1.6191444271 | 0.6176101299 | 247.6577708486 | 152.9559480305 | |||
| 194 | 1.6231922882 | 0.616069955 | 249.2769152757 | 153.5720179855 | |||
| 195 | 1.6272502689 | 0.614533621 | 250.9001075639 | 154.1865516065 | |||
| 196 | 1.6313183946 | 0.6130011182 | 252.5273578328 | 154.7995527247 | |||
| 197 | 1.6353966906 | 0.6114724371 | 254.1586762274 | 155.4110251618 | |||
| 198 | 1.6394851823 | 0.6099475682 | 255.794072918 | 156.0209727299 | |||
| 199 | 1.6435838953 | 0.6084265019 | 257.4335581003 | 156.6293992319 | |||
| 200 | 1.647692855 | 0.6069092288 | 259.0771419955 | 157.2363084607 | |||
| 201 | 1.6518120871 | 0.6053957395 | 260.7248348505 | 157.8417042002 | |||
| 202 | 1.6559416173 | 0.6038860244 | 262.3766469377 | 158.4455902247 | |||
| 203 | 1.6600814714 | 0.6023800743 | 264.032588555 | 159.0479702989 | |||
| 204 | 1.6642316751 | 0.6008778796 | 265.6926700264 | 159.6488481785 | |||
| 205 | 1.6683922543 | 0.599379431 | 267.3569017014 | 160.2482276094 | |||
| 206 | 1.6725632349 | 0.5978847192 | 269.0252939557 | 160.8461123286 | |||
| 207 | 1.676744643 | 0.5963937348 | 270.6978571906 | 161.4425060635 | |||
| 208 | 1.6809365046 | 0.5949064687 | 272.3746018336 | 162.0374125321 | |||
| 209 | 1.6851388458 | 0.5934229114 | 274.0555383382 | 162.6308354435 | |||
| 210 | 1.689351693 | 0.5919430538 | 275.740677184 | 163.2227784973 | |||
| 211 | 1.6935750722 | 0.5904668865 | 277.430028877 | 163.8132453838 | |||
| 212 | 1.6978090099 | 0.5889944005 | 279.1236039491 | 164.4022397844 | |||
| 213 | 1.7020535324 | 0.5875255866 | 280.821412959 | 164.9897653709 | |||
| 214 | 1.7063086662 | 0.5860604355 | 282.5234664914 | 165.5758258064 | |||
| 215 | 1.7105744379 | 0.5845989381 | 284.2297751576 | 166.1604247445 | |||
| 216 | 1.714850874 | 0.5831410854 | 285.9403495955 | 166.74356583 | |||
| 217 | 1.7191380012 | 0.5816868683 | 287.6552004695 | 167.3252526982 | |||
| 218 | 1.7234358462 | 0.5802362776 | 289.3743384707 | 167.9054889758 | |||
| 219 | 1.7277444358 | 0.5787893043 | 291.0977743169 | 168.4842782801 | |||
| 220 | 1.7320637969 | 0.5773459395 | 292.8255187527 | 169.0616242195 | |||
| 221 | 1.7363939564 | 0.575906174 | 294.5575825496 | 169.6375303936 | |||
| 222 | 1.7407349413 | 0.574469999 | 296.2939765059 | 170.2120003926 | |||
| 223 | 1.7450867786 | 0.5730374055 | 298.0347114472 | 170.7850377981 | |||
| 224 | 1.7494494956 | 0.5716083845 | 299.7797982258 | 171.3566461826 | |||
| 225 | 1.7538231193 | 0.5701829272 | 301.5292477214 | 171.9268291098 | |||
| 226 | 1.7582076771 | 0.5687610247 | 303.2830708407 | 172.4955901345 | |||
| 227 | 1.7626031963 | 0.567342668 | 305.0412785178 | 173.0629328025 | |||
| 228 | 1.7670097043 | 0.5659278484 | 306.8038817141 | 173.6288606509 | |||
| 229 | 1.7714272285 | 0.564516557 | 308.5708914184 | 174.1933772079 | |||
| 230 | 1.7758557966 | 0.563108785 | 310.3423186469 | 174.7564859929 | |||
| 231 | 1.7802954361 | 0.5617045237 | 312.1181744435 | 175.3181905166 | |||
| 232 | 1.7847461747 | 0.5603037643 | 313.8984698796 | 175.8784942809 | |||
| 233 | 1.7892080401 | 0.5589064981 | 315.6832160543 | 176.4374007789 | |||
| 234 | 1.7936810602 | 0.5575127163 | 317.4724240945 | 176.9949134952 | |||
| 235 | 1.7981652629 | 0.5561224102 | 319.2661051547 | 177.5510359054 | |||
| 236 | 1.802660676 | 0.5547355713 | 321.0642704176 | 178.1057714767 | |||
| 237 | 1.8071673277 | 0.5533521908 | 322.8669310936 | 178.6591236676 | |||
| 238 | 1.8116852461 | 0.5519722602 | 324.6740984214 | 179.2110959278 | |||
| 239 | 1.8162144592 | 0.5505957708 | 326.4857836674 | 179.7616916985 | |||
| 240 | 1.8207549953 | 0.549222714 | 328.3019981266 | 180.3109144125 | |||
| 241 | 1.8253068828 | 0.5478530813 | 330.1227531219 | 180.8587674937 | |||
| 242 | 1.82987015 | 0.5464868641 | 331.9480600047 | 181.4052543578 | |||
| 243 | 1.8344448254 | 0.545124054 | 333.7779301547 | 181.9503784118 | |||
| 244 | 1.8390309375 | 0.5437646424 | 335.6123749801 | 182.4941430542 | |||
| 245 | 1.8436285148 | 0.5424086208 | 337.4514059176 | 183.036551675 | |||
| 246 | 1.8482375861 | 0.5410559809 | 339.2950344324 | 183.5776076559 | |||
| 247 | 1.85285818 | 0.5397067141 | 341.1432720184 | 184.1173143699 | |||
| 248 | 1.8574903255 | 0.538360812 | 342.9961301985 | 184.655675182 | |||
| 249 | 1.8621340513 | 0.5370182664 | 344.853620524 | 185.1926934484 | |||
| 250 | 1.8667893864 | 0.5356790687 | 346.7157545753 | 185.7283725171 | |||
| 251 | 1.8714563599 | 0.5343432107 | 348.5825439617 | 186.2627157277 | |||
| 252 | 1.8761350008 | 0.533010684 | 350.4540003216 | 186.7957264117 | |||
| 253 | 1.8808253383 | 0.5316814803 | 352.3301353224 | 187.327407892 | |||
| 254 | 1.8855274017 | 0.5303555913 | 354.2109606607 | 187.8577634833 | |||
| 255 | 1.8902412202 | 0.5290330088 | 356.0964880624 | 188.386796492 | |||
| 256 | 1.8949668232 | 0.5277137245 | 357.9867292825 | 188.9145102165 | |||
| 257 | 1.8997042403 | 0.5263977301 | 359.8816961058 | 189.4409079466 | |||
| 258 | 1.9044535009 | 0.5250850176 | 361.781400346 | 189.9659929642 | |||
| 259 | 1.9092146346 | 0.5237755786 | 363.6858538469 | 190.4897685429 | |||
| 260 | 1.9139876712 | 0.5224694051 | 365.5950684815 | 191.012237948 | |||
| 261 | 1.9187726404 | 0.5211664889 | 367.5090561527 | 191.5334044369 | |||
| 262 | 1.923569572 | 0.5198668219 | 369.4278287931 | 192.0532712588 | |||
| 263 | 1.9283784959 | 0.5185703959 | 371.3513983651 | 192.5718416546 | |||
| 264 | 1.9331994422 | 0.5172772029 | 373.279776861 | 193.0891188575 | |||
| 265 | 1.9380324408 | 0.5159872348 | 375.2129763031 | 193.6051060922 | |||
| 266 | 1.9428775219 | 0.5147004836 | 377.1510087439 | 194.1198065758 | |||
| 267 | 1.9477347157 | 0.5134169412 | 379.0938862658 | 194.633223517 | |||
| 268 | 1.9526040525 | 0.5121365997 | 381.0416209814 | 195.1453601167 | |||
| 269 | 1.9574855626 | 0.5108594511 | 382.9942250339 | 195.6562195678 | |||
| 270 | 1.9623792765 | 0.5095854874 | 384.9517105965 | 196.1658050552 | |||
| 271 | 1.9672852247 | 0.5083147006 | 386.9140898729 | 196.6741197558 | |||
| 272 | 1.9722034377 | 0.5070470829 | 388.8813750976 | 197.1811668387 | |||
| 273 | 1.9771339463 | 0.5057826263 | 390.8535785354 | 197.686949465 | |||
| 274 | 1.9820767812 | 0.504521323 | 392.8307124817 | 198.191470788 | |||
| 275 | 1.9870319732 | 0.5032631651 | 394.8127892629 | 198.6947339532 | |||
| 276 | 1.9919995531 | 0.5020081448 | 396.7998212361 | 199.1967420979 | |||
| 277 | 1.996979552 | 0.5007562541 | 398.7918207892 | 199.697498352 | |||
| 278 | 2.0019720009 | 0.4995074854 | 400.7888003411 | 200.1970058374 | |||
| 279 | 2.0069769309 | 0.4982618308 | 402.790772342 | 200.6952676683 | |||
| 280 | 2.0119943732 | 0.4970192826 | 404.7977492728 | 201.1922869509 | |||
| 281 | 2.0170243591 | 0.495779833 | 406.809743646 | 201.6880667839 | |||
| 282 | 2.02206692 | 0.4945434744 | 408.8267680051 | 202.1826102583 | |||
| 283 | 2.0271220873 | 0.4933101989 | 410.8488349252 | 202.6759204571 | |||
| 284 | 2.0321898925 | 0.4920799989 | 412.8759570125 | 203.168000456 | |||
| 285 | 2.0372703673 | 0.4908528667 | 414.908146905 | 203.6588533227 | |||
| 286 | 2.0423635432 | 0.4896287947 | 416.9454172723 | 204.1484821174 | |||
| 287 | 2.047469452 | 0.4884077753 | 418.9877808154 | 204.6368898927 | |||
| 288 | 2.0525881257 | 0.4871898008 | 421.0352502675 | 205.1240796934 | |||
| 289 | 2.057719596 | 0.4859748636 | 423.0878383931 | 205.6100545571 | |||
| 290 | 2.062863895 | 0.4847629562 | 425.1455579891 | 206.0948175133 | |||
| 291 | 2.0680210547 | 0.483554071 | 427.2084218841 | 206.5783715843 | |||
| 292 | 2.0731911073 | 0.4823482005 | 429.2764429388 | 207.0607197848 | |||
| 293 | 2.0783740851 | 0.4811453372 | 431.3496340462 | 207.541865122 | |||
| 294 | 2.0835700203 | 0.4799454735 | 433.4280081313 | 208.0218105956 | |||
| 295 | 2.0887789454 | 0.478748602 | 435.5115781516 | 208.5005591976 | |||
| 296 | 2.0940008927 | 0.4775547152 | 437.600357097 | 208.9781139128 | |||
| 297 | 2.099235895 | 0.4763638057 | 439.6943579897 | 209.4544777185 | |||
| 298 | 2.1044839847 | 0.475175866 | 441.7935938847 | 209.9296535845 | |||
| 299 | 2.1097451947 | 0.4739908888 | 443.8980778694 | 210.4036444733 | |||
| 300 | 2.1150195577 | 0.4728088667 | 446.0078230641 | 210.87645334 | |||
| 301 | 2.1203071066 | 0.4716297922 | 448.1228426217 | 211.3480831322 | |||
| 302 | 2.1256078743 | 0.470453658 | 450.2431497283 | 211.8185367902 | |||
| 303 | 2.130921894 | 0.4692804569 | 452.3687576026 | 212.2878172471 | |||
| 304 | 2.1362491987 | 0.4681101814 | 454.4996794966 | 212.7559274285 | |||
| 305 | 2.1415898217 | 0.4669428244 | 456.6359286954 | 213.2228702529 | |||
| 306 | 2.1469437963 | 0.4657783784 | 458.7775185171 | 213.6886486313 | |||
| 307 | 2.1523111558 | 0.4646168363 | 460.9244623134 | 214.1532654676 | |||
| 308 | 2.1576919337 | 0.4634581909 | 463.0767734692 | 214.6167236585 | |||
| 309 | 2.1630861635 | 0.4623024348 | 465.2344654029 | 215.0790260932 | |||
| 310 | 2.1684938789 | 0.4611495609 | 467.3975515664 | 215.5401756541 | |||
| 311 | 2.1739151136 | 0.459999562 | 469.5660454453 | 216.0001752161 | |||
| 312 | 2.1793499014 | 0.4588524309 | 471.7399605589 | 216.4590276469 | |||
| 313 | 2.1847982762 | 0.4577081605 | 473.9193104603 | 216.9167358074 | |||
| 314 | 2.1902602718 | 0.4565667436 | 476.1041087364 | 217.373302551 | |||
| 315 | 2.1957359225 | 0.4554281732 | 478.2943690083 | 217.8287307242 | |||
| 316 | 2.2012252623 | 0.4542924421 | 480.4901049308 | 218.2830231663 | |||
| 317 | 2.2067283255 | 0.4531595432 | 482.6913301931 | 218.7361827095 | |||
| 318 | 2.2122451463 | 0.4520294696 | 484.8980585186 | 219.1882121791 | |||
| 319 | 2.2177757592 | 0.450902214 | 487.1103036649 | 219.6391143931 | |||
| 320 | 2.2233201986 | 0.4497777696 | 489.3280794241 | 220.0888921627 | |||
| 321 | 2.2288784991 | 0.4486561293 | 491.5513996226 | 220.537548292 | |||
| 322 | 2.2344506953 | 0.4475372861 | 493.7802781217 | 220.985085578 | |||
| 323 | 2.240036822 | 0.446421233 | 496.014728817 | 221.431506811 | |||
| 324 | 2.2456369141 | 0.4453079631 | 498.254765639 | 221.8768147741 | |||
| 325 | 2.2512510064 | 0.4441974694 | 500.5004025531 | 222.3210122435 | |||
| 326 | 2.2568791339 | 0.443089745 | 502.7516535595 | 222.7641019885 | |||
| 327 | 2.2625213317 | 0.4419847831 | 505.0085326934 | 223.2060867716 | |||
| 328 | 2.2681776351 | 0.4408825766 | 507.2710540251 | 223.6469693482 | |||
| 329 | 2.2738480792 | 0.4397831188 | 509.5392316602 | 224.086752467 | |||
| 330 | 2.2795326993 | 0.4386864028 | 511.8130797394 | 224.5254388698 | |||
| 331 | 2.2852315311 | 0.4375924218 | 514.0926124387 | 224.9630312916 | |||
| 332 | 2.2909446099 | 0.4365011688 | 516.3778439698 | 225.3995324605 | |||
| 333 | 2.2966719714 | 0.4354126373 | 518.6687885797 | 225.8349450977 | |||
| 334 | 2.3024136514 | 0.4343268202 | 520.9654605512 | 226.2692719179 | |||
| 335 | 2.3081696855 | 0.4332437109 | 523.2678742026 | 226.7025156289 | |||
| 336 | 2.3139401097 | 0.4321633027 | 525.5760438881 | 227.1346789315 | |||
| 337 | 2.31972496 | 0.4310855887 | 527.8899839978 | 227.5657645202 | |||
| 338 | 2.3255242724 | 0.4300105623 | 530.2097089578 | 227.9957750825 | |||
| 339 | 2.3313380831 | 0.4289382168 | 532.5352332302 | 228.4247132993 | |||
| 340 | 2.3371664283 | 0.4278685454 | 534.8665713132 | 228.8525818447 | |||
| 341 | 2.3430093444 | 0.4268015415 | 537.2037377415 | 229.2793833862 | |||
| 342 | 2.3488668677 | 0.4257371985 | 539.5467470859 | 229.7051205847 | |||
| 343 | 2.3547390349 | 0.4246755098 | 541.8956139536 | 230.1297960945 | |||
| 344 | 2.3606258825 | 0.4236164686 | 544.2503529885 | 230.5534125631 | |||
| 345 | 2.3665274472 | 0.4225600684 | 546.610978871 | 230.9759726315 | |||
| 346 | 2.3724437658 | 0.4215063027 | 548.9775063181 | 231.3974789342 | |||
| 347 | 2.3783748752 | 0.4204551648 | 551.3499500839 | 231.8179340989 | |||
| 348 | 2.3843208124 | 0.4194066481 | 553.7283249591 | 232.2373407471 | |||
| 349 | 2.3902816144 | 0.4183607463 | 556.1126457715 | 232.6557014933 | |||
| 350 | 2.3962573185 | 0.4173174526 | 558.502927386 | 233.073018946 | |||
| 351 | 2.4022479618 | 0.4162767607 | 560.8991847044 | 233.4892957067 | |||
| 352 | 2.4082535817 | 0.4152386641 | 563.3014326662 | 233.9045343708 | |||
| 353 | 2.4142742156 | 0.4142031562 | 565.7096862479 | 234.318737527 | |||
| 354 | 2.4203099012 | 0.4131702306 | 568.1239604635 | 234.7319077576 | |||
| 355 | 2.4263606759 | 0.4121398809 | 570.5442703646 | 235.1440476385 | |||
| 356 | 2.4324265776 | 0.4111121007 | 572.9706310405 | 235.5551597391 | |||
| 357 | 2.438507644 | 0.4100868834 | 575.4030576181 | 235.9652466226 | |||
| 358 | 2.4446039132 | 0.4090642229 | 577.8415652622 | 236.3743108454 | |||
| 359 | 2.4507154229 | 0.4080441126 | 580.2861691753 | 236.782354958 | |||
| 360 | 2.4568422115 | 0.4070265462 | 582.7368845983 | 237.1893815043 | |||
| 361 | 2.462984317 | 0.4060115174 | 585.1937268098 | 237.5953930217 | |||
| 362 | 2.4691417778 | 0.4049990199 | 587.6567111268 | 238.0003920416 | |||
| 363 | 2.4753146323 | 0.4039890473 | 590.1258529046 | 238.4043810889 | |||
| 364 | 2.4815029188 | 0.4029815933 | 592.6011675369 | 238.8073626822 | |||
| 365 | 2.4877066761 | 0.4019766517 | 595.0826704557 | 239.2093393339 | |||
| 366 | 2.4939259428 | 0.4009742161 | 597.5703771319 | 239.61031355 | |||
| 367 | 2.5001607577 | 0.3999742804 | 600.0643030747 | 240.0102878304 | |||
| 4 | 1 |
Scenerio
| SCENERIO |
| You decided that a new car is in order, and must determine the most efficient way of purchasing the vehicle. |
| You found the perfect vehicle a 2012 Explorer, Ford is offering zero percent financing. |
| The sticker price of the Explorer is $37,095.00. Of course there is state sales tax (6%) and transfer and tag fees of $1,500. |
| You can pay the Ford Dealer cash for the entire amount, or you can pay for the vehicle in installments of 36 monthly payments (0% financing) or you could lease the vehicle for 36 months (45,000 miles) for $538.62 per month, and at the end of the lease the buy out option is $15,458.95pluse $1,500 in tags and transfer fees and more taxes. Also, compare lease to installment purchase. |
| Which of the options provides the best buy for your money? |
| The bank will pay 3% per annum on all deposits (compounded monthly) |
| Determine which is the best alternative and provide a one page written analysis of your findings. |
