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
Cash Flow Worksheet 43
Grouped Cash Flows
Cash-flow problems can contain cash flows with unique values as well as
consecutive cash flows of equal value.
Although you must enter unequal cash flows separately, you can enter
groups of consecutive, equal cash flows simultaneously using the
Fnn
variable.
Entering Cash Flows
Cash flows consist of an initial cash flow (CFo) and up to 24 additional
cash flows (
C01-C24), each of which can have a unique value. You must
enter the number of occurrences (up to 9,999), or frequency (
F), for each
additional cash flow (
C01-C24).
• The calculator displays positive values for inflows (cash received) and
negative values for outflows (cash paid out).
• To clear the Cash Flow worksheet, press &z.
To enter cash flows:
1. Press '. The initial cash-flow value (
CFo) appears.
2. Key in a value for
CFo and press !.
3. To select an additional cash-flow variable, press #. The
C01 value
appears.
4. To change C01, key in a value and press !.
5. To select the cash-flow frequency variable (
F01), press #. The F01
value appears.
6. To change F01, key in a value and press !.
7. To select an additional cash-flow variable, press #. The
C02 value
appears.
8. Repeat steps 4 through 7 for all remaining cash flows and
frequencies.
9. To review entries, press # or ".
Deleting Cash Flows
When you delete a cash flow, the calculator decreases the number of
subsequent cash flows automatically.