Saw that CCP created some nice discounts for 3m+ Omega packs and I decided to do a little bit of analysis. For this, I just calculated the Net Present Value (NPV), which basically calculates the (*shocking*) present value of a future cashflow. The NPV is calculated as the `

*Cashflow/(1-i)^t*` where

*i*is the discount rate and

*t*is the number of periods.

Now, the discount rate is a tricky business, but to keep it simple, I took the 12m average inflation rate in the US (8.3%) plus a 2% extra to cover for the risk of our money being better invested somewhere else (considering this is a video game, the money can always be invested in something better with actual future return, but this is a different discussion). After getting the final number (10.3%), we divide everything by 12 to get the monthly discount rate, as we also have monthly payments for EVE.

Now, with this little boring introduction, here are some numbers:

-------

3M | Price | 47.98 | ||

3M | StandardCashflow | 19.99 | 19.99 | 19.99 |

3M | NPV | $58.96 | ||

3M | CCPDiscountedCashflow | 15.99 | 15.99 | 15.99 |

3M | NPV | $47.16 | ||

3M | Pay-per-Monthloss | -$11.80 | -24.59% |

6M | Price | 86.95 | |||||

6M | StandardCashflow | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 |

6M | NPV | $116.42 | |||||

6M | CCPDiscountedCashflow | 14.49 | 14.49 | 14.49 | 14.49 | 14.49 | 14.49 |

6M | NPV | $84.39 | |||||

6M | Pay-per-Monthloss | -$32.03 | -36.84% |

12M | Price | 149.9 | |||||||||||

12M | StandardCashflow | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 |

12M | NPV | $227.02 | |||||||||||

12M | CCPDiscountedCashflow | 12.49 | 12.49 | 12.49 | 12.49 | 12.49 | 12.49 | 12.49 | 12.49 | 12.49 | 12.49 | 12.49 | 12.49 |

12M | NPV | $141.84 | |||||||||||

12M | Pay-per-Monthloss | -$85.17 | -56.82% |

24M | Price | 270.99 | |||||||||||||||||||||||

24M | StandardCashflow | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 | 19.99 |

24M | NPV | $431.90 | |||||||||||||||||||||||

24M | CCPDiscountedCashflow | 11.29 | 11.29 | 11.29 | 11.29 | 11.29 | 11.29 | 11.29 | 11.29 | 11.29 | 11.29 | 11.29 | 11.29 | 11.29 | 11.29 | 11.29 | 11.29 | 11.29 | 11.29 | 11.29 | 11.29 | 11.29 | 11.29 | 11.29 | 11.29 |

24M | NPV | $243.93 | |||||||||||||||||||||||

24M | Pay-per-Monthloss | -$187.97 | -69.36% |

Considering that they advertised...

1-month: Full price

3-month: 20% off the full monthly cost of Omega

6-month: 30% off the full monthly cost of Omega

12-month: 40% off the full monthly cost of Omega

24-month: 45% off the full monthly cost of Omega

...comparing these numbers with Pay-per-Month loss and considering current avg inflation rate, we actually get way much bigger decreases.

Don't really know if this is something that would actually help anyone in taking a decision or not, just thought it can be interesting (at least for me) to calculate.

BTW, this is kind of how I make my long-term buying decisions as well. If anyone would be interested learning more about NPV, you can reach me on Discord or go to https://www.investopedia.com/terms/n/npv.asp.

PS: feel free to challenge whatever I wrote above, I might be wrong or not take some parameter in consideration.