Ownership scenario planner

Compare two user-defined plans with a complete year-by-year ledger.

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Ownership horizon (whole years)Real discount rate (%)

All amounts are today's US dollars. Future events occur at year-end; initial cost occurs now. 3% is an illustrative input, not a recommended rate. No inflation escalation is added because these are constant-dollar inputs. Residual value is a credit in the final year; recurring replacement and care still occur in that year if scheduled.

Scenario A

Your cost assumptions

Material family · A

Initial cost ($) · AAnnual care cash cost ($) · AOne repair / replacement event ($) · AEvent year · ARecurring replacement cost ($) · AReplacement interval (years) · AResidual value at horizon ($) · A

Additional scheduled events · A

One event per line: year, cost in today’s dollars, description. Additional events are added to annual care and replacement costs; avoid duplicates.

Scenario B

Your cost assumptions

Material family · B

Initial cost ($) · BAnnual care cash cost ($) · BOne repair / replacement event ($) · BEvent year · BRecurring replacement cost ($) · BReplacement interval (years) · BResidual value at horizon ($) · B

Additional scheduled events · B

One event per line: year, cost in today’s dollars, description. Additional events are added to annual care and replacement costs; avoid duplicates.

Cost sources, quote dates and comparison scope

Hypothetical starter scenarios—not material prices, maintenance requirements, service-life predictions or quotes. Use equivalent scopes and actual supplier information. Annual care is charged in every future year, including the event year.

The same horizon. Two complete ledgers.

$16,066.53

A present value

$16,490

B present value

$423.47

PV difference

Undiscounted totals: A $16,800 · B $16,900. A has the lower present value under these inputs.

No cumulative cost ordering reversal occurs in this horizon.

Sensitivity check: if every cost and residual assumption for A varies together by ±20%, its PV spans $12,853.23 to $19,279.84; B spans $13,192 to $19,788. This is a proportional scenario range, not a probability or market forecast.

Solid burgundy: A. Dashed ochre: B. Cumulative present value includes the initial cost. The horizontal baseline is zero; terminal residual credits may reduce cumulative cost. Dots mark scheduled events and residual credits. The table supplies exact annual values and event descriptions.

Year	A cash	B cash	A present value	B present value	A events	B events
0	$12,000	$14,500	$12,000	$14,500	Initial scope	Initial scope
1	$300	$150	$291.26	$145.63
2	$300	$150	$282.78	$141.39
3	$300	$150	$274.54	$137.27
4	$300	$150	$266.55	$133.27
5	$300	$150	$258.78	$129.39
6	$2,100	$150	$1,758.72	$125.62	One-time repair / replacement
7	$300	$150	$243.93	$121.96
8	$300	$1,050	$236.82	$828.88		One-time repair / replacement
9	$300	$150	$229.93	$114.96
10	$300	$150	$223.23	$111.61

Change one assumption at a time

These ranges vary just the named cost by ±20%, holding the horizon, rate and every other input fixed. They show model sensitivity, not confidence intervals.

Input varied	A lower PV	A upper PV	B lower PV	B upper PV
Initial scope	$13,666.53	$18,466.53	$13,590	$19,390
Annual care	$15,554.72	$16,578.34	$16,234.09	$16,745.9

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Review material inquiry

Method: PV = cost ÷ (1 + real rate)^year. At 0%, present value equals the cash total. Read the method and a worked example. Material labels do not alter costs. No material is assigned an automatic lifespan or maintenance schedule. Repair and replacement costs are additive; set either to zero when they represent the same work.