NPC
| Business Characteristics |
|
|
|
Marginal Tax
Rate: |
15% |
Discount Interest
Rate: |
7.50% |
|
|
A |
B |
C |
D |
E |
F |
G |
H |
I |
J |
K |
L |
|
|
|
|
|
|
|
(B+D+E-F) |
|
(G*H) |
(A+B+C+D-F-I) |
|
(J*K) |
|
|
|
|
|
Non-Cash |
|
|
|
|
|
|
|
|
Principle |
Interest |
Non-Deductible |
Deductible |
Deductible |
Taxable |
Tax |
Tax |
Tax |
Net Cost |
Present |
Present |
| Year |
Payment |
Payment |
Expenses |
Expenses |
Expenses |
Income |
Deductions |
Rate |
Savings |
after-tax |
Value $ |
Cost |
| 0 |
|
|
|
|
$3,170.16
|
$3,163.97 |
$6.19 |
15% |
$0.93 |
-$3,164.90 |
1.000 |
-$3,164.90 |
| 1 |
$5,096.08
|
$2,220.00 |
|
|
$5,662.48 |
$3,163.97 |
$4,718.51 |
15% |
$707.78 |
$3,444.33 |
0.930 |
$3,204.03 |
| 2 |
$5,478.28
|
$1,837.79 |
|
|
$4,448.88 |
$3,163.97 |
$3,122.70 |
15% |
$468.41 |
$3,683.70 |
0.865 |
$3,187.62 |
| 3 |
$5,889.15
|
$1,426.92 |
|
$200.00 |
$3,626.00 |
$3,163.97 |
$2,088.95 |
15% |
$313.34 |
$4,038.76 |
0.805 |
$3,251.04 |
| 4 |
$6,330.84
|
$985.24 |
|
|
$3,626.00 |
$3,163.97 |
$1,447.26 |
15% |
$217.09 |
$3,935.01 |
0.749 |
$2,946.54 |
| 5 |
$6,805.65
|
$510.42 |
|
$2,700.00 |
$3,626.00 |
$3,163.97 |
$3,672.45 |
15% |
$550.87 |
$6,301.24 |
0.697 |
$4,389.18 |
| 6 |
|
|
|
|
$3,626.00 |
$3,163.97 |
$462.03 |
15% |
$69.30 |
-$3,233.28 |
0.648 |
-$2,095.04 |
| 7 |
|
|
|
$100.00 |
$1,814.48 |
$3,163.97 |
-$1,249.49 |
15% |
-$187.42 |
-$2,876.55 |
0.603 |
-$1,733.85 |
| 8 |
|
|
|
|
|
$20,000.00 |
-$20,000.00 |
15% |
-$3,000.00 |
-$17,000.00 |
0.561 |
-$9,531.94 |
| 9 |
|
|
|
|
|
|
$0.00 |
15% |
$0.00 |
$0.00 |
0.522 |
$0.00 |
| 10 |
|
|
|
|
|
|
$0.00 |
15% |
$0.00 |
$0.00 |
0.485 |
$0.00 |
|
|
|
|
|
|
|
|
|
|
Net Present Cost-> |
$452.68 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Business
Characteristics |
|
|
|
Marginal Tax Rate: |
15% |
Discount Interest Rate: |
7.50% |
|
|
A |
B |
C |
D |
E |
F |
G |
H |
I |
J |
K |
L |
|
|
|
|
|
|
|
(B+D+E-F) |
|
(G*H) |
(A+B+C+D-F-I) |
|
(J*K) |
|
|
|
|
|
Non-Cash |
|
|
|
|
|
|
|
|
Principle |
Interest |
Non-Deductible |
Deductible |
Deductible |
Taxable |
Tax |
Tax |
Tax |
Net Cost |
Present |
Present |
| Year |
Payment |
Payment |
Expenses |
Expenses |
Expenses |
Income |
Deductions |
Rate |
Savings |
after-tax |
Value $ |
Cost |
| 0 |
|
|
|
$800.00 |
|
|
$800.00 |
15% |
$120.00 |
$680.00 |
1.000 |
$680.00 |
| 1 |
|
|
|
|
$3,309.39 |
$2,125.00 |
$1,184.39 |
15% |
$177.66 |
-$2,302.66 |
0.930 |
-$2,142.01 |
| 2 |
$5,319.89
|
$2,317.50 |
|
|
$5,911.17 |
$2,125.00 |
$6,103.67 |
15% |
$915.55 |
$4,596.84 |
0.865 |
$3,977.79 |
| 3 |
$5,718.88
|
$1,918.51 |
|
|
$4,644.27 |
$2,125.00 |
$4,437.78 |
15% |
$665.67 |
$4,846.72 |
0.805 |
$3,901.42 |
| 4 |
$6,147.80
|
$1,489.59 |
|
$200.00 |
$3,785.25 |
$2,125.00 |
$3,349.84 |
15% |
$502.48 |
$5,209.91 |
0.749 |
$3,901.19 |
| 5 |
$6,608.88
|
$1,028.51 |
|
|
$3,785.25 |
$2,125.00 |
$2,688.76 |
15% |
$403.31 |
$5,109.08 |
0.697 |
$3,558.77 |
| 6 |
$7,104.55
|
$532.84 |
|
$1,900.00 |
$3,785.25 |
$2,125.00 |
$4,093.09 |
15% |
$613.96 |
$6,798.43 |
0.648 |
$4,405.12 |
| 7 |
|
|
|
|
$3,785.25 |
$2,125.00 |
$1,660.25 |
15% |
$249.04 |
-$2,374.04 |
0.603 |
-$1,430.96 |
| 8 |
|
|
|
$100.00 |
$1,894.17 |
$22,125.00 |
-$20,130.83 |
15% |
-$3,019.62 |
-$19,005.38 |
0.561 |
-$10,656.36 |
| 9 |
|
|
|
|
|
|
$0.00 |
15% |
$0.00 |
$0.00 |
0.522 |
$0.00 |
| 10 |
|
|
|
|
|
|
$0.00 |
15% |
$0.00 |
$0.00 |
0.485 |
$0.00 |
|
|
|
|
|
|
|
|
|
|
Net Present Cost-> |
$6,194.96 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Business
Characteristics |
|
|
|
Marginal Tax Rate: |
15% |
Discount Interest Rate: |
7.50% |
|
|
A |
B |
C |
D |
E |
F |
G |
H |
I |
J |
K |
L |
|
|
|
|
|
|
|
(B+D+E-F) |
|
(G*H) |
(A+B+C+D-F-I) |
|
(J*K) |
|
|
|
|
|
Non-Cash |
|
|
|
|
|
|
|
|
Principle |
Interest |
Non-Deductible |
Deductible |
Deductible |
Taxable |
Tax |
Tax |
Tax |
Net Cost |
Present |
Present |
| Year |
Payment |
Payment |
Expenses |
Expenses |
Expenses |
Income |
Deductions |
Rate |
Savings |
after-tax |
Value $ |
Cost |
| 0 |
|
|
|
$800.00 |
|
|
$800.00 |
15% |
$120.00 |
$680.00 |
1.000 |
$680.00 |
| 1 |
|
|
|
$100.00 |
|
|
$100.00 |
15% |
$15.00 |
$85.00 |
0.930 |
$79.07 |
| 2 |
|
|
|
$100.00 |
|
|
$100.00 |
15% |
$15.00 |
$85.00 |
0.865 |
$73.55 |
| 3 |
|
|
|
$100.00 |
|
|
$100.00 |
15% |
$15.00 |
$85.00 |
0.805 |
$68.42 |
| 4 |
|
|
|
$1,400.00 |
|
|
$1,400.00 |
15% |
$210.00 |
$1,190.00 |
0.749 |
$891.07 |
| 5 |
|
|
|
$1,100.00 |
|
|
$1,100.00 |
15% |
$165.00 |
$935.00 |
0.697 |
$651.28 |
| 6 |
|
|
|
$100.00 |
|
|
$100.00 |
15% |
$15.00 |
$85.00 |
0.648 |
$55.08 |
| 7 |
|
|
|
$100.00 |
|
|
$100.00 |
15% |
$15.00 |
$85.00 |
0.603 |
$51.23 |
| 8 |
|
|
|
$100.00 |
|
$4,500.00 |
-$4,400.00 |
15% |
-$660.00 |
-$3,740.00 |
0.561 |
-$2,097.03 |
| 9 |
|
|
|
|
|
|
$0.00 |
15% |
$0.00 |
$0.00 |
0.522 |
$0.00 |
| 10 |
|
|
|
|
|
|
$0.00 |
15% |
$0.00 |
$0.00 |
0.485 |
$0.00 |
|
|
|
|
|
|
|
|
|
|
Net Present Cost-> |
$452.68 |
|
|
|
|
|
|
|
|
|
|
|
|
|