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
92 APPENDIX - Reference Information
where: M1 =month of first date
DT1 =day of first date
Y1 =year of first date
M2 =month of second date
DT2 =day of second date
Y2 =year of second date
Note: If
DT1 is 31, change DT1 to 30. If DT2 is 31 and DT1 is 30 or 31,
change
DT2 to 30; otherwise, leave it at 31.
Error Messages
Note: To clear an error message, press P.
Error Possible Causes
Error 1
Overflow
• A result is outside the calculator range
( 9.9999999999999E99).
• Tried to divide by zero (can occur internally).
• Tried to compute 1/x when x is zero.
• Statistics worksheet: a calculation included X or Y
values that are all the same.
Error 2
Invalid
argument
• Tried to compute x! when x is not an integer 0-69.
• Tried to compute LN of x when x is not > 0.
• Tried to compute y
x
when y < 0 and x is not an
integer or the inverse of an integer.
• Tried to compute when x < 0.
• Amortization worksheet: tried to compute
BAL,
PRN, and INT when P2 < P1.
• Depreciation worksheet: a calculation included
SAL > CST.
Error 3
Too many
pending
operations
• More than 15 active levels of parentheses were
tried in a calculation.
• A calculation tried to use more than 8 pending
operations.
DBD Y2 Y1 –360 M2 M1++ 30 DT2 DT1–+=
x