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
Time-Value-of-Money and Amortization
Worksheets
Use the Time-Value-of-Money (TVM) variables to solve
problems with equal and regular cash flows that are
either all inflows or all outflows (for example, annuities,
loans, mortgages, leases, and savings).
For cash-flow problems with unequal cash flows, use
the Cash Flow worksheet. (See: Cash Flow
Worksheet.)
After solving a TVM problem, you can use the Amortization worksheet to
generate an amortization schedule.
• To access a TVM variable, press a TVM key (,, -, ., /,or 0).
• To access the prompted Amortization worksheet, press & \.
TVM and Amortization Worksheet Variables
Variable Key Display
Type of
Variable
Number of periods
,
N
Enter-or-
compute
Interest rate per year
-
I/Y
Enter-or-
compute
Present value
.
PV
Enter-or-
compute
Payment
/
PMT
Enter-or-
compute
Future value
0
FV
Enter-or-
compute
Number of payments per year & [
P/Y
Enter-only
Number of compounding
periods per year
#
C/Y
Enter-only
Time-Value-of-Money and Amortization Worksheets 21