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
106 Index
bond yield (more than one
coupon period to
redemption)
88
bond yield (one coupon period
or less to redemption)
87
bonds
86
breakeven
90
cash flow
85
days between dates
91
depreciation
88
depreciation, declining-balance
89
depreciation, straight-line
88
depreciation, sum-of-the-years’-
digits
88
interest-rate conversions
90
internal rate of return
86
net present value
85
percent change
90
profit margin
90
regressions
89
statistics
89
time-value-of-money
83
French declining balance (DBF)
57,
59, 60
French straight line (SLF)
57, 59, 60
Frequency
44
cash flow
86
coupon
53, 55
one-variable data
66
Y value
63, 65
Frequency of nth cash flow (Fnn)
41
Frequency of X value (Ynn)
65
Future value (FV)
22, 23, 24
FV (future value)
22, 23, 24
G
Grouped cash flows 43
H
Hard reset 6
HYP (hyperbolic) indicator
3
Hyperbolic (HYP) indicator
3
I
I (discount rate) 41
I/Y (interest rate per year)
22, 24
Inflows
21, 23, 25
Initial cash flow (CFo)
41
INS (insert) indicator
3
Insert (IND) indicator
3
INT (interest paid)
22, 24
Interest Conversion worksheet
73
Interest paid (INT)
22, 24
Interest rate per year (I/Y)
22, 24
Internal rate of return (IRR)
41, 45
INV (inverse) indicator
3
Inverse (INV) indicator
3
IRR (internal rate of return)
41, 45
L
Last Answer (ANS) feature 14
Leases
21
LIF (life of the asset)
57, 59, 60
Life of the asset (LIF)
57, 59, 60
LIN (linear regression)
63, 65
Linear regression (LIN)
63, 65
Ln (logarithmic regression)
63, 65
Loans
21, 24
Logarithmic regression (Ln)
63, 65
M
M01 (starting month) 57, 59, 60
M0–M9 (memory)
12, 80, 81
MAR (profit margin)
77, 78
Math operations
8
Mean of X (()
63, 65
Mean of Y (()
63
Memory
arithmetic
12
clearing
12
examples
12
recalling from
12
storing to
12
Memory worksheet
80–81
MOD (modified internal rate of
return)
41
Modified duration (DUR)
52
Modified internal rate of return
(MOD)
41
Mortgages
21
Multiplication
8