Owner's Manual
Table Of Contents
- Overview of Calculator Operations
- Turning On the Calculator
- Turning Off the Calculator
- Selecting 2nd Functions
- Reading the Display
- Setting Calculator Formats
- Resetting the Calculator
- Clearing Calculator Entries and Memories
- Correcting Entry Errors
- Math Operations
- Memory Operations
- Calculations Using Constants
- Last Answer Feature
- Using Worksheets: Tools for Financial Solutions
- Time-Value-of-Money and Amortization Worksheets
- TVM and Amortization Worksheet Variables
- Entering Cash Inflows and Outflows
- Generating an Amortization Schedule
- Example: Computing Basic Loan Interest
- Examples: Computing Basic Loan Payments
- Examples: Computing Value in Savings
- Example: Computing Present Value in Annuities
- Example: Computing Perpetual Annuities
- Example: Computing Present Value of Variable Cash Flows
- Example: Computing Present Value of a Lease With Residual Value
- Example: Computing Other Monthly Payments
- Example: Saving With Monthly Deposits
- Example: Computing Amount to Borrow and Down Payment
- Example: Computing Regular Deposits for a Specified Future Amount
- Example: Computing Payments and Generating an Amortization Schedule
- Example: Computing Payment, Interest, and Loan Balance After a Specified Payment
- Cash Flow Worksheet
- Bond Worksheet
- Depreciation Worksheet
- Statistics Worksheet
- Other Worksheets
- APPENDIX - Reference Information
- General Information
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Choosing the Number of Decimal Places Displayed
The calculator stores numeric values internally to an accuracy of 13 digits, but
you can specify the number of decimal places you want to display. The
calculator displays up to 10 digits with the floating-decimal option. Results
exceeding 10 digits appear in scientific notation.
Changing the number of decimal places affects the display only. Except for
amortization and depreciation results, the calculator does not round internal
values. To round the internal value, use the round function.
Note: All examples in this guidebook assume a setting of two decimal places.
Other settings might show different results.
Choosing the Angle Units
The angle unit value affects the display of results in trigonometric calculations.
When you select radians, the
RAD indicator appears in the upper right corner
of the display. No indicator appears when you select the default setting of
degrees.
Using Dates
The calculator uses dates with the Bond and Date worksheets and the French
depreciation methods. To enter dates, use this convention:
mm.ddyy
(US) or
dd.mmyy
(European). After you key in the date, press !.
Choosing Calculation Methods
When you choose the chain (
Chn) calculation method, the calculator solves
problems in the order that you enter them. (Most financial calculators use Chn.)
For example, when you enter 3 H 2 < 4 N, the Chn answer is 20 (3 + 2 = 5, 5 *
4 = 20).
Using AOS™ (algebraic operating system), the calculator solves problems
according to the standard rules of algebraic hierarchy, computing multiplication
and division operations before addition and subtraction operations. (Most
scientific calculators use AOS.)
For example, when you enter 3 H 2 < 4 N, the AOS answer is 11 (2 Q 4 = 8; 3
+ 8 = 11).
Resetting Default Values
To reset default values for all of the calculator formats, press & z with
one of the formats displayed.
Overview of Calculator Operations 5