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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32 Time-Value-of-Money and Amortization Worksheets
Year 1 2 3 4
Amount $5000 $7000 $8000 $10000
Given a 10% discount rate, does the present value of the cash flows exceed
the original cost of $23,000?
To Press Display
Set all variables to defaults
& }
!
RST 0.00
Enter interest rate per cash flow
period
10 -
I/Y= 10.001
Enter 1st cash flow
5000 S 0
FV= -5,000.001
Enter 1st cash flow period
1 ,
N= 1.001
Compute present value of 1st
cash flow
C .
PV= 4,545.457
Store in
M1 D 1
4,545.45
Enter 2nd cash flow
7000 S 0
FV= -7,000.001
Enter 2nd cash flow period
2 ,
N= 2.001
Compute present value of 2nd
cash flow
C .
PV= 5,785.127
Sum to memory D H
1
5,785.12
Enter 3rd cash flow.
8000 S 0
FV= -8,000.001
Enter period number.
3 ,
N= 3.001
Compute present value of 3rd
cash flow.
C .
PV= 6,010.527