I have tried a 4-panel example using the referenced CG calculator and find that the answers it gives, don't agree with my hand calculations. One reason is that the wing tips are ignored. Another is that the tail efficiency doesn't appear in the neutral point calculation and has a strong influence on the results. I get a much more accurate solutions using the techniques at www.rcaeronauts.com , which can accommodate up to 7-panel wings and 4-panel tails.



Edited to add a space after the URL so the link will work.- BMatthews