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
4 Overview of Calculator Operations
Setting Calculator Formats
1. To access format options, press &|. The DEC indicator
appears with the selected number of decimal places.
2. To change the number of decimal places displayed, key in a value and
press !.
3. To access another calculator format, press # or once for each format.
For example, to access the angle unit format, press #. To access the
number-separator format, press or ###.
4. To change the selected format, press &V.
5. To change another calculator format, repeat step 3 and step 4.
— or —
To return to the standard-calculator mode, press &U.
— or —
To access a worksheet, press a worksheet key or key sequence.
Choosing the Number of Decimal Places Displayed
The calculator stores numeric values internally to an accuracy of 13 digits,
but you can specify the number of decimal places you want to display.
The calculator displays up to 10 digits with the floating-decimal option.
Results exceeding 10 digits appear in scientific notation.
You can change these calculator formats:
To Select Press Display Defaul
t
Number of
decimal
places
&| DEC 0–9 (Press 9 for
floating-decimal)
2
Angle units # DEG (degrees)
RAD (radians)
DEG
Dates # US (mm-dd-yyyy)
Eur (dd-mm-yyyy)
US
Number
separators
# US (1,000.00 )
Eur (1.000,00)
US
Calculation
method
# Chn (chain)
AOSé (algebraic
operating system)
Chn