This a screenshot from one of my very popular, multi-sheet domestic spreadsheets. It is an affordability calculator for a mortgage. It shows you what you need to be earning to get a particular mortgage. It shows you the type of number crunching done by financial institutions.
The five yes/no selectors on the left are used in calculating the stamp duty and the TRS tax allowance. The stress test button adds 1% then 2% then 3% then 0% to the interest rate. This is what the banks do, so you should be ready for any questions the bank may pose. (They usen't do the 3% stress test but they may do so now because of the historically low interest rates)
In general use, you do not have to actually enter any figures into this portion of the spreadsheet. You just click on the up & down arrows and numbers are automatically increased or decreased. This makes what-if calculations very user friendly. The interest rate is adjusted by increments of 0.05% per click.
I made this screenshot when the last stamp duty rates came out (7% & 9%). You can see the formula on the very top of the spreadsheet. The 35% tax and PRSI added back to get a gross wage is now out of date. Of course that won't bother anyone who got this spreadsheet since December 2007. A few clicks and they are up to date with the new tax regime.
The second picture at the bottom of the page shows the VBA code used for the various buttons. You don't have to bother with this. This behind the scenes coding, as well as the coding on the spinner buttons is what makes the spreadsheet so user friendly.
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