KCr0.5 for LS for Steward =Cr250
I believe that you meant Cr 500, not Cr 250.
Therefore your total expenses per jump should be Cr 9,062
Your math also assumes that the ship in question has at at least eight passenger staterooms and that if it has more than eight it has an exact multiple of eight. A design with only six staterooms is going to have to spread the Steward costs over the gain from six High Passengers not eight, and a ship with twelve passenger staterooms will have to spread the cost of its two Stewards over the gain from only twelve High Passengers.
Your math also assumes the Steward is Steward-1. If they are more skilled, and draw a higher salary you'll make even less profit. (The best profit would probably be from a crewman filling two jobs, since they'd not require any extra room or life support, and the added salary would be only Cr 750/month or 9,000 a year).
You are also not accounting for the capital cost of the downpayment. If you have to put 20% down, than you had to come up with an extra Cr 80,000 to have that stateroom in the first place. What if you'd invested it elsewhere instead? Assuming a 2% real annual rate of return on that 80,000 that's costing you Cr 800 a year. At 25 jumps per year that's an extra Cr 32 per jump in expenses, pushing your costs to Cr 9,094. Than you'll have to add on the capital cost of an eight of the Stewards stateroom, for another Cr 4 per jump, or Cr 9,098 per jump.
Assuming a non standard design, (since you didn't account for the standard discount to the cost of the stateroom) you should also add on the extra 1% for the architects fee to both staterooms. That will be about another Cr 9 per jump, and your costs are now more like Cr 9,107
While the rules do not seem to reflect this it also seems to me that the odds of highjacking ought to be less if you carry no passengers, so that's an additional cost of carrying them if you chose to be that realistic. The rules should encourage taking passengers because of the story potential they provide, but if you run the math than an all cargo ship might be better.
We also need to account for the cost of the Medic and her stateroom, since Medics aren't required if you don't have passengers in a CT book 2 design [CT Bk 2 p 23].
Since one medic is required per 120 passengers and a medic is paid twice what a Steward is than the Medic will be about Cr 24 per passenger (if you actually have 120 passengers) and your costs will be more like Cr 9,131 per jump.
You are also not accounting for annual maintenance. If you have to pay crew salaries during the time that the ship is undergoing annual maintenance than we will have to spread those salary costs over all the other jumps that the ship makes during the year.
Annual maintenance takes two weeks (14 days) out of a 365 day year, or about 3.8356% of a year. Adding 3.8356% on to the crew costs we've already calculated thats another Cr 5 per jump and our costs are up to Cr 9,136.
Next we'll need to add on the extra expenses for routine maintenance. If each high Passenger requires one stateroom of their own + 1/8 stateroom for their Steward and 1/120th stateroom for their medic than thats 1.1333 staterooms per passenger. At Cr 400,000 per stateroom thats Cr 453,3333 extra in ship costs, which means that our annual maintenance will cost an extra Cr 4,533 per year. At 25 jumps per year that is an extra Cr 182 per jump, and our expenses are now up to Cr 9,318 per jump.
We might now consider the extra capitol costs for the 1/120th of the medics stateroom, but I'm ignoring it since it's less than Cr 1 per jump. Note that medics are required per passenger, not per High Passenger so we really need to spread the cost of the Medics salary over the Low Passengers too, but thats a whole other complication.
Thus our perfectly designed, always full CT book 2 starship, is going to average less than 7% per year return on High Passengers.
assenger rate, and KCr2/mo for a steward, a high passenger costs (on a 2-week cycle)
