The Math According To Book Five

The ships change a mite when you change them over to the Book 5 rules.  Less fuel, cost more.  Fuel purification is now included in all three designs.

A Type A is a 200 ton, J1, 1G cargo ship.  It costs MCr 71.24.  22 tons of fuel.  It has 80.8 tons of cargo space, 4 crew, 6 passenger cabins and 20 low berths.

A Type A2 is a 200 ton, J2, 1G cargo ship.  It costs MCr 94.48.  44 tons of fuel.  It has 58.8 tons of cargo space, 3 crew, 7 passenger cabins and 4 low berths.

A Type R is a 400 ton, J1, 1G cargo ship.  It costs MCr 139.93.  44 tons of fuel.  It has 215.5 tons of cargo space, 5 crew, 8 passenger cabins and 9 low berths.

Type A costs, book 2.  No payment required since the ship is a boon.  Refined fuel is Cr 385,000 per year.  Life support is Cr 520,000 per year for the crew and passengers and Cr 70,000 for the low berths.  Routine maintenance runs Cr 71,240.  Salaries are Cr 180,000.  Berthing is Cr 3,500.  Total costs per annum: Cr 1,229,740.  The annual costs are an additional Cr 3,562,000 if you have a payment for Cr 4,791,740 a year total.  You save Cr 308,000 per year buying unrefined fuel and using your onboard purification gear.

Type A2 costs, book 2.  No payment required since the ship is a boon.  Refined fuel is Cr 770,000 per year.  Life support is Cr 520,000 per year for the crew and passengers and Cr 14,000 for the low berths.  Routine maintenance runs Cr 94,480.  Salaries are Cr 144,000.  Berthing is Cr 3,500.  Total costs per annum: Cr 1,622,675.  The annual costs are an additional Cr 4,724,000 if you have a payment for Cr 6,346,675 a year total.  You save Cr 616,000 per year buying unrefined fuel and using your onboard purification gear.

Type R costs, book 2.  Monthly payment on 50% ownership Cr 583,041.67 (240 payments remaining).  Refined fuel is Cr 770,000 per year.  Life support is Cr 676,000 per year for the crew and passengers and Cr 31,500 for the low berths.  Routine maintenance runs Cr 139,930.  Salaries are Cr 228,000.  Berthing is Cr 3,500.  Total costs per annum: Cr 8,845,430!  You save Cr 616,000 per year buying unrefined fuel and using your onboard purification gear.
Revenue.  Let's make the assumption of a full hold and max souls per trip.

Type A brings in: Cr 2,828,000 in cargo; Cr 1,680,000 in mid-passages; Cr 700,000 for low-passages.  Cr 5,208,000 per year gross.

Type A2 brings in: Cr 2,058,000 in cargo; Cr 1,960,000 in mid-passages; Cr 140,000 for low-passages.  Cr 4,158,000 per year gross.

Type R brings in: Cr 7,542,500 in cargo; Cr 2,240,000 in mid-passages; Cr 315,000 for low-passages.  Cr 10,097,500 per year gross.

Type R (Subsidized) brings in: Cr 7,367,500 in cargo; Cr 875,000 in mail; Cr 1,960,000 in mid-passages; Cr 315,000 for low-passages.  Cr 10,517,500 per year gross.

So both the A and R turn a profit at the standard rates even making a monthly payment.  The A2 doesn't.  This is a quirk in the rules because they don't account for the extra speed, a trip on a J1 ship costs twice as much to a shipper or passenger than a J2 so the A2 owner should be charging more for J2's.

The annual costs on the Type R are a mere Cr 1,860,930 if subsidized (as above minus the payment plus the cost of a gunner); but you have to give up half the gross so you only have Cr 4,987,500 a year to apply against your expenses.

At the end:

Type A owned outright: Cr 3,978,260 profit.
Type A2 owned outright: Cr 2,535,325 profit.
Type R 50% ownership, unsubsidized: Cr 1,252,070 profit.
Type R 50% ownership, subsidized: Cr 3,397,820 profit.

You can make Cr 70,000 a year more per passenger you can get to upgrade to a High Passage.
You can save a lot of money buying unrefined fuel, but collecting wild fuel costs at least a day and that costs three trips a year so your gross profits are 91.4% what is listed above.