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
2 Overview of Calculator Operations
• The Constant Memory™ feature retains all worksheet values and
settings, including the contents of the 10 memories and all format
settings.
Automatic Power Down™ (APD™) Feature
To prolong battery life, the Automatic Power Down (APD) feature turns
off the calculator automatically after about five minutes of inactivity.
The next time you press $, the calculator turns on exactly as you left
it, saving display settings and stored memory and any pending
operations or error conditions.
Selecting 2nd Functions
Reading the Display
The display shows the selected variable labels with values up to 10 digits.
(The calculator displays values exceeding 10 digits in scientific notation.)
The primary function of a key is printed on the key itself.
For example, the primary function of the $ key is to
turn on or turn off the calculator.
Most keys include a second function printed above the key.
To select a second function, press & and the
corresponding key. (When you press &, the 2nd indicator
appears in the upper left corner of the display.)
For example, pressing &U exits the selected
worksheet and returns the calculator to the standard-
calculator mode.
Note: To cancel after pressing &, press & again.