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 17
Accessing Prompted-Worksheet Variables
After you access a worksheet, press # or " to select variables. For
example, press &\ to access the Amortization worksheet, and
then press # or " to select the amortization variables (
P1, P2, BAL, PRN,
INT
). (See “TVM and Amortization Worksheet Variables” on page 22.)
Indicators prompt you to select settings, enter values, or compute results.
For example, the #
$ indicators remind you to press # or " to select
other variables. ((See “Reading the Display” on page 2.))
To return to the standard-calculator mode, press &U.
Types of Worksheet Variables
• Enter-only
• Compute-only
• Automatic-compute
• Enter-or-compute
•Settings
Note: The = sign displayed between the variable label and value
indicates that the variable is assigned the value.
Enter-Only Variables
Values for enter-only variables must be entered, cannot be computed,
and are often limited to a specified range, for example,
P/Y and C/Y. The
value for an enter-only variable can be:
• Entered directly from the keyboard.
• The result of a math calculation.
• Recalled from memory.
• Obtained from another worksheet using the last answer feature.
When you access an enter-only variable, the calculator displays the
variable label and
ENTER indicator. The ENTER indicator reminds you to
press ! after keying in a value to assign the value to the variable.
After you press !, the
1 indicator confirms that the value is assigned.
Compute-Only Variables
You cannot enter values manually for compute-only variables, for
example, net present value (
NPV). To compute a value, display a
compute-only variable and press C. The calculator computes and
displays the value based on the values of other variables.