User Manual
Table Of Contents
- Important Information
- 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
- Using the TVM and Amortization Variables
- Resetting the TVM and Amortization Worksheet Variables
- Clearing the Unused Variable
- Entering Positive and Negative Values for Outflows and Inflows
- Entering Values for I/Y, P/Y, and C/Y
- Specifying Payments Due With Annuities
- Updating P1 and P2
- Different Values for BAL and FV
- Entering, Recalling, and Computing TVM Values
- Using [xP/Y] to Calculate a Value for N
- 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
- TVM and Amortization Worksheet Variables
- Cash Flow Worksheet
- Bond Worksheet
- Depreciation Worksheet
- Statistics Worksheet
- Other Worksheets
- APPENDIX - Reference Information
Index 105
Division 8
Dollar price (PRI)
52, 54, 55
DT1 (starting date)
60
DT1, DT2 (date 1 and 2)
57, 76
DUR (modified duration)
52
E
EFF (annual effective rate) 74
END (end-of-period)
payments
22, 24
Ending payment (P2)
22, 24
End-of-period (END)
payments
22, 24
ENTER indicator
3
Error
clearing
92
messages
92
Examples
accrued interest
56
amortization schedule
38
amount to borrow
36
annuities
30
balloon payment
40
bond price
56
compound interest
71
computing basic loan payments
27
constants
13
converting interest
74
correcting an entry error
7
cost-sell-markup
72
days between dates
76
down payment
36
editing cash flow data
47
entering cash flow data
47
future value (savings)
28
interest received
40
internal rate of return
48
last answer
14
lease with uneven payments
48
memory
12
Memory worksheet
81
modified duration
56
monthly payments
40
monthly savings deposits
35
mortgage payments
38
net present value
47, 48, 49
other monthly payments
34
percent change
71
perpetual annuities
30
present value (annuities)
29
present value (lease with
residual value)
33
present value (savings)
28
present value (variable cash
flow)
33
profit margin
78
regular deposits for specific
goals
37
remaining balance (balloon
payment)
40
residual value
33
saving for future
35
straight-line depreciation
61
EXP (exponential regression)
63, 65
Exponential regression (EXP)
63, 65
F
Face value 54
Factorial
10
FC (fixed cost)
79
Fixed cost (FC)
79
Floating-decimal format
4
Fnn (frequency of nth cash flow)
41
Forecasting
65
Formats
angle units
4, 5
calculation method
5
decimal places
4
number separators
4
setting
4
Formulas
30/360 day-count method
91
accrued interest
88
actual/actual day-count method
91
amortization
85
bond price (more than one
coupon period to
redemption)
87
bond price (one coupon period
or less to redemption)
86