These spreadsheet models are provided without any express or implied warranties whatsoever. They do not represent legal, tax, investment, insurance, financial or accounting advice. If such advice is required, the appropriate professional should be consulted. The spreadsheet models may not be suitable for every individual and are not guaranteed or warranted to produce any particular results. Additionally, no warranty is made regarding the accuracy or completeness of the content, and the user must assume the entire risk of acting on anything therein.

You will need a program (see list) that can read the OpenDocument Spreadsheet format. I use LibreOffice. These spreadsheets do not contain macros.

The articles referenced below were published by the National Association of Personal Financial Advisors, but I’m not a financial advisor.

401kexp.ods – developed for Looking at Expenses of 401K Plans. The 2004 version can use different tax rates for dividends and find the breakeven 401k expense rate assuming a rollover IRA after a specified number of years.

buy-rent.ods – after I wrote Should You Buy or Rent Your Home?, Beth Kobliner asked me to develop a Buy vs. Rent model for her bestseller, Get a Financial Life. It’s easy to enter the parameters affecting the analysis, including changing tax rates. Unlike most calculators, you can view the annual cash flows and underlying formulas.

annuity.ods – developed for Index Funds and Variable Annuities.

55860ea7c4c41509b5a28c3f7e3b025d578cf5920cabddc555b6b67eace106a1 401kexp.ods
e1cb68aa6dbecc13c402aeb26f8c2ed51d4b0859bc96d0c45a9e2a07762ef69e buy-rent.ods
752e145a83d96889d753f8555376242e0ac768609122be0da00086faf3668f18 annuity.ods