As I decide I was going to go back through my entire purchase history to write reviews for other potential customers, I decided to stay away from two types of reviews: personal electronics (because the industry changes so rapidly and my review, although still valid for that product, would be seen by exponentially less people as months go on), and personal items (because the world doesn't need to know why I love a brand of adhesive bandages used to prevent chafing nipples when I run).
I decided to write a review on this product, however, even though it closely fits into the "personal electronics" category.
This is a simple calculator that anyone (yes ANYONE) should buy. It brings the complexity of time-value-of-money to any layman's hands. I actually first saw this calculator when I went shopping for my first mortgage. I saw the loan officer using this and was able to spit hypothetical numbers at me faster than I could comprehend them. I went home, bought this, and was armed for our next meeting.
Pros:
1. FANTASTIC customer support. Even after reading the manual, I had a question that I couldn't figure the answer to. I emailed the company and within a few days received a complete answer. It was nice I never received an automated email from them, nor did I get an email that gave me a bunch of links to where I could find the answer. The email I received was from a representative who knew the right answer and wrote the email as if to talk me through what to do. At no time did I feel stupid or that I was bothering them. This was impressive.
2. Simple calculator combined with an extensive time-value-to-money calculator. Many specialty calculators (graphing, for example) have so many buttons that it would confuse the casual user, making him feel as if he only uses 10% of the calculator's potential at any given time).
3. Easy to learn. I took about 20 minutes and sat down when I first got this to learn how it works. I am of average intelligence and simply committed to learning this. The ease-of-use allowed me to talk on the phone with a loan officer many times and crunch numbers with her -- throwing numbers back and forth.
4. There is a small pocket built into the back of the calculator where the user manual sits so that if any information is forgotten, it can quickly be referenced. This pocket tucks the manual away nicely so that it doesn't get torn.
5. iOS app with the software to run this same calculator. I still prefer having the calculator in my hand, though. The option is available, though.
6. This may seem petty, but I love the 000 button. It saves time from typing three zeros all the time. One wold think it is silly to write this as a "pro" but I find this button very helpful.
Cons:
1. Although there are one or two features I would like to see added (such as a yearly amortization schedule - for some reason, I can only get it to show me monthly), I can honestly not think of any cons at this time.
2. Sometimes I get frustrated with the payments per year option and how to change it. Admittedly, this is my fault.
Bottom line: Essential for the casual user through the professional banker. If you are going to spring for a simple calculator, get this one (you won't regret it).
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From the manufacturer
Run the numbers and get real estate finance solutions instantly
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Calculate mortgage paymentsYou'll be able to calculate mortgage payments, terms, interest, PITI payments, future value, as well as purchases, and down payment figures. Permanently store local property tax and property insurance rates for customized calculations that will help buyers and sellers develop an informative financial outlook--it even figures mortgage insurance. It also performs numerous 'what-if' calculations from variables like purchase cost, down payment amount, and loan amount financing. |
Loans, sales, payments and moreOther features include bi-weekly and monthly loan comparisons, automatic sales and down payment calculations, and completion of taxes, insurance, and mortgage insurance for true PITI payments. It also offers a built-in date-math function for closing and expiration dates, triple zero key that saves time and keystrokes. |
Increase confidence and enhance professionalismThe Real Estate Master IIIx Model 3405 comes with a protective slide cover, quick reference guide, pocket user's guide, and comes with and is powered by two 1.5-volt LR44 long-life batteries. |
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| Real Estate Master IIIx Model 3405 | Qualifier Plus IIIx Model 3415 | Pocket Real Estate Master Model 3400 | Qualifier Plus IIIfx-Desktop Model 43430 | |
| Customer Reviews |
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| Price | $33.99 | $51.27 | $31.65 | $57.62 |
| Qualify for Income Required | - | ✓ | - | ✓ |
| Maximum Loan Amount and Ratios | - | ✓ | - | ✓ |
| Store Two Ratios (FHA/VA) or Set Custom Ratios | - | ✓ | - | ✓ |
| Combo Loans: 80:10:10, 80:15:5 or any LTV Split | ✓ | ✓ | - | ✓ |
| Cash Flow Analysis/IRR, NPV and NFV | - | - | - | ✓ |
| Principal and Interest Payment | ✓ | ✓ | ✓ | ✓ |
| PITI | ✓ | ✓ | - | ✓ |
| Enter Interest-Only Payment | ✓ | ✓ | ✓ | ✓ |
| Complete Amortization | ✓ | ✓ | ✓ | ✓ |
| Future Value | ✓ | ✓ | ✓ | ✓ |
Compare with similar items
This Item  Calculated Industries 3405 Real Estate Master IIIx Residential Real Estate Finance Calculator | Clearly-Labeled Function Keys | Simplest Operation | Solves Payments, Amortizations, ARMs, Combos, More |  |  |  |  |  | |
| Price | -20% $33.99 Typical: $42.60 | -11% $57.62 List: $64.95 | $27.85 | $31.65 | -7% $51.27 List: $54.95 | -17% $9.99 List: $11.99 |
| Delivery | Get it as soon as Thursday, May 2 | Get it as soon as Thursday, May 2 | Get it as soon as Thursday, May 2 | Get it as soon as Thursday, May 2 | Get it as soon as Thursday, May 2 | Get it as soon as Thursday, May 2 |
| Customer Ratings | ||||||
| Easy to use | ||||||
| Value for money | ||||||
| Accuracy | ||||||
| Sold By | Amazon.com | Amazon.com | Amazon.com | Amazon.com | Amazon.com | Sunlite Industrial Corp. |
| model name | Calculated Industries 3405 Real Estate Master IIIX Real Estate Finance Calculator | — | — | — | Calculated Industries 3415 Qualifier Plus IIIX Real Estate Finance Calculator | CD-2786 |
| power source | Battery Powered | Battery Powered | Solar Powered | Battery Powered | Battery Powered | Solar Powered |
| battery quantity | 1 lithium metal, 2 lr44 | — | 2 aa | 1 cr2 | 1 lr44, 2 aaa, 1 product specific | 1 lr44 |
| display type | LCD | — | LCD | LCD | — | LCD |
| material | Plastic | — | Metal | Plastic | Rubber | Plastic |
Reviews with images
A REALTORS BEST FRIEND!
AS A REALTOR THIS CALCULATOR GIVES ME THE TECHNOLOGY TO ASSIST BUYERS IN-THE-MOMENT WITH THEIR MORTGAGE PAYMENT AMOUNTS. THESE CALCULATORS ARE RELIABLE AND LONG LASTING; MY HUSBAND HAS HIS FIRST ONE SINCE 1989, I AM ON MY 2ND BUT ONLY BECAUSE I LOST MY FIRST.
Top reviews from the United States
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Reviewed in the United States on January 31, 2012
Size: Calculated Industries 3405 Real Estate Master IIIX Real Estate Finance CalculatorVerified Purchase
Reviewed in the United States on August 11, 2014
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Reviewed in the United States on April 19, 2024
Size: Calculated Industries 3405 Real Estate Master IIIX Real Estate Finance CalculatorVerified Purchase
Reviewed in the United States on December 24, 2020
Size: Calculated Industries 3405 Real Estate Master IIIX Real Estate Finance CalculatorVerified Purchase
Reviewed in the United States on September 14, 2015
Size: Calculated Industries 3405 Real Estate Master IIIX Real Estate Finance CalculatorVerified Purchase
Top reviews from other countries
Richard Lam
fine
Reviewed in Canada on October 9, 2021Size: Calculated Industries 3405 Real Estate Master IIIX Real Estate Finance CalculatorVerified Purchase
mary maskevich
Not For Canadian Real Estate
Reviewed in Canada on August 8, 2019Size: Calculated Industries 3405 Real Estate Master IIIX Real Estate Finance CalculatorVerified Purchase
