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
84 APPENDIX - Reference Information
I/Y =
where:
x = i
y
=P/Y P C/Y
G
i
= 1 + i Q k
where: k =0 for end-of-period payments
k =1 for beginning-of-period payments
where: i 0
N = L(PV + FV) P PMT
where: i =0
where: i 0
PMT = L(PV + FV) P N
where: i =0
where: i 0
100 CY e
yx1+ln
1–
N
PMT G
i
FV i–
PMT G
i
PV i+
----------------------------------------------
ln
1 i+ln
---------------------------------------------------------
=
PMT
–
i
G
i
-----
PV
PV FV+
1 i+
N
1–
---------------------------
+=
PV
PMT G
i
i
------------------------
FV–
1
1 i+
N
------------------
PMT G
i
i
------------------------
–=