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
Overview of Calculator Operations 15
Using Worksheets: Tools for Financial Solutions
Each worksheet is independent of the others: operations in a worksheet
do not affect variables in other worksheets. When you exit a worksheet
or turn off the calculator, the calculator retains all worksheet data.
Key in a new calculation
2 ; 2.00
Recall the last answer &x 4.00
Complete the calculation N 16.00
Thecalculator contains worksheets with embedded
formulas to solve specific problems. You apply settings or
assign known values to worksheet variables and then
compute the unknown value. Changing the values lets you
ask what if questions and compare results.
Except for TVM variables, accessed in the standard-
calculator mode, all variables are prompted.
For example, to assign values to amortization variables, you
must first press &\ to access the Amortization
worksheet.
To select Function Press
TVM worksheet
(Chapter 2)
Analyzes equal cash flows, for
example, annuities, loans,
mortgages, leases, and savings
,, -, .,
/, 0, or
&[
Amortization worksheet
(Chapter 2)
Performs amortization
calculations and generates an
amortization schedule
&\
Cash Flow worksheet
(Chapter 3)
Analyzes unequal cash flows by
calculating net present value
and internal rate of return
&'
Bond worksheet
(Chapter 4)
Computes bond price and yield
to maturity or call
&l
Depreciation worksheet
(Chapter 5)
Generates a depreciation
schedule using one of six
depreciation methods
&p
To Press Display